Adams County, WA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 673 mortgage applications in Adams County, WA totaling $117.6 million, up 13% from 2018. The average application was for $174,000, and applicants reported an average income of $79,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was US Bank, N.A., with 64 applications, followed by Guild Mortgage Company and Columbia Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 673 |
| Total Mortgage Loan Application Amount | $117,615,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $5,485,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $432,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 64 | $ 7,100,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 50 | $ 9,440,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 26,903,465,000 | 47 | $ 6,545,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 37 | $ 8,805,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ -1,000 | 32 | $ 6,520,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 2,059,210,000 | 23 | $ 3,235,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 21 | $ 3,985,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 18 | $ 3,680,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 13,089,983,000 | 17 | $ 2,945,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 17 | $ 3,555,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 12 | $ 1,760,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 2,145,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 1,530,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 1,860,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 10 | $ 530,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 10 | $ 1,520,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,660,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 7,002,549,000 | 10 | $ 1,630,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 9 | $ 1,565,000 |
| Wheatland Bank 222 N WALL ST SUITE #100 SPOKANE, WA 99201 |
* | $ 434,275,000 | 9 | $ 1,285,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,725,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 2,267,006,000 | 8 | $ 840,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 11,584,693,000 | 7 | $ 1,775,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 6 | $ 960,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,798,459,000 | 6 | $ 900,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 6 | $ 720,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 880,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 137,976,503,000 | 5 | $ 615,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 5 | $ 765,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Inspirus Credit Union 5200 SOUTHCENTER BLVD SEATTLE, WA 98188 |
* | $ 1,324,556,000 | 5 | $ 355,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 5 | $ 665,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 590,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 870,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 4 | $ 430,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 670,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 4 | $ 480,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 950,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 4 | $ 950,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 6,542,924,000 | 4 | $ 360,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,056,461,000 | 4 | $ 660,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 625,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 3 | $ 985,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 325,000 |
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ 2,986,316,000 | 3 | $ 125,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 470,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 1,103,365,000 | 2 | $ 8,130,000 |
| Lpmc, LLC dba Landmark Profess 1255 LEE ST SE SALEM, OR 97302 |
* | $ -1,000 | 2 | $ 220,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 2 | $ 270,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 470,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 340,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 380,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 2,971,354,000 | 2 | $ 110,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 290,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 220,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 290,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 250,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 260,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 2 | $ 150,000 |
| Greenbox Loans 3250 WILSHIRE BLVD., SUITE 1900 LOS ANGELES, CA 90010 |
* | $ -1,000 | 2 | $ 350,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 2 | $ 240,000 |
| Hapo Communtiy Credit Union 4 N UNION ST RICHLAND, WA 99354 |
* | $ 1,688,488,000 | 2 | $ 300,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 12,102,845,000 | 1 | $ 175,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 1 | $ 245,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 85,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,855,606,000 | 1 | $ 165,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 105,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 305,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 125,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 7,650,090,000 | 1 | $ 175,000 |
| MUFG Union Bank, National Association 9865 TOWNE CENTRE DRIVE, 3RD FLOOR SAN DIEGO, CA 92121 |
* | $ 130,782,945,000 | 1 | $ 215,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 245,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 16,190,394,000 | 1 | $ 25,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 135,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,205,430,000 | 1 | $ 25,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 145,000 |
| All Reverse Mortgage, Inc 2019 W CHAPMAN AVENUE ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
| Civic Financial Services, LLC 2015 MANHATTAN BEACH BLVD STE 106 REDONDO BEACH, CA 90278 |
* | $ -1,000 | 1 | $ 135,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,708,028,000 | 1 | $ 45,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ -1,000 | 1 | $ 155,000 |
| Vision One Mortgage, Inc. 13821 NEWPORT AVE. STE 110 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 135,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 175,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 235,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 10,105,549,000 | 1 | $ 105,000 |
| Alaska USA Mortgage Company LLC 4000 CREDIT UNION DRIVE, STE. 700 ANCHORAGE, AK 99503 |
* | $ -1,000 | 1 | $ 175,000 |
| Cashmere Valley Bank PO BOX G CASHMERE, WA 98815 |
* | $ 1,520,772,000 | 1 | $ 235,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 95,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 115,000 |
| Bank of Eastern Oregon 279 N MAIN ST HEPPNER, OR 97836 |
* | $ 414,528,000 | 1 | $ 215,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 195,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 35,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 195,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 1 | $ 265,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 135,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 275,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 135,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 125,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 175,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 19,588,565,000 | 1 | $ 55,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 555,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 1,621,478,000 | 1 | $ 175,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 245,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 95,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 215,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2019 mortgage applications in Adams County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Adams County, WA in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 323 | $69,225,000 | $214,000 | $5,485,000 | $75,000 | $432,000 |
| Refinancing | 126 | $21,440,000 | $170,000 | $1,005,000 | $76,000 | $365,000 |
| Cash-out Refinancing | 112 | $18,970,000 | $169,000 | $375,000 | $84,000 | $324,000 |
| Other Purpose | 57 | $4,015,000 | $70,000 | $305,000 | $85,000 | $418,000 |
| Home Improvement | 50 | $3,370,000 | $67,000 | $245,000 | $92,000 | $386,000 |
| Not Applicable | 5 | $595,000 | $119,000 | $225,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 254 | $41,120,000 | $161,000 | $405,000 | $76,000 | $418,000 |
| White | 246 | $35,620,000 | $144,000 | $555,000 | $76,000 | $386,000 |
| Not Provided | 94 | $15,470,000 | $164,000 | $395,000 | $89,000 | $409,000 |
| Not applicable | 65 | $22,815,000 | $351,000 | $5,485,000 | $69,000 | $165,000 |
| Asian | 7 | $1,755,000 | $250,000 | $395,000 | $194,000 | $432,000 |
| American Indian or Alaskan Native | 4 | $520,000 | $130,000 | $195,000 | $81,000 | $110,000 |
| Black or African American | 2 | $70,000 | $35,000 | $45,000 | $51,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 434 | $74,260,000 | $171,000 | $5,485,000 | $86,000 | $432,000 |
| FHA-insured (Federal Housing Administration) | 174 | $31,870,000 | $183,000 | $325,000 | $68,000 | $358,000 |
| VA-guaranteed (Veterans Administration) | 38 | $7,060,000 | $185,000 | $355,000 | $52,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,425,000 | $163,000 | $225,000 | $45,000 | $64,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 351 | $66,555,000 | $189,000 | $5,485,000 | $81,000 | $432,000 |
| Application Denied By Financial Institution | 128 | $17,590,000 | $137,000 | $2,365,000 | $71,000 | $409,000 |
| Loan Purchased By The Institution | 89 | $15,985,000 | $179,000 | $315,000 | $64,000 | $165,000 |
| Application Withdrawn By Applicant | 65 | $11,605,000 | $178,000 | $1,005,000 | $81,000 | $365,000 |
| File Closed For Incompleteness | 21 | $2,725,000 | $129,000 | $265,000 | $98,000 | $252,000 |
| Application Approved But Not Accepted | 19 | $3,155,000 | $166,000 | $395,000 | $88,000 | $386,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 525 | $97,015,000 | $184,000 | $5,485,000 | $82,000 | $432,000 |
| Debt-To-Income Ratio | 49 | $6,745,000 | $137,000 | $555,000 | $61,000 | $409,000 |
| Credit History | 48 | $6,850,000 | $142,000 | $2,365,000 | $80,000 | $303,000 |
| Collateral | 20 | $2,000,000 | $100,000 | $245,000 | $71,000 | $222,000 |
| Credit Application Incomplete | 16 | $2,430,000 | $151,000 | $315,000 | $64,000 | $160,000 |
| Other | 8 | $1,620,000 | $202,000 | $325,000 | $79,000 | $180,000 |
| Unverifiable Information | 3 | $305,000 | $101,000 | $175,000 | $69,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $165,000 | $60,000 | $74,000 |
| Mortgage Insurance Denied | 1 | $235,000 | $235,000 | $235,000 | $56,000 | $56,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $34,000 | $34,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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