Albany County, WY Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 2,410 mortgage applications in Albany County, WY totaling $604.1 million, up 18% from 2020. The average application was for $250,000, and applicants reported an average income of $106,000. 68% of applications resulted in an originated loan and 8% were denied. The most active lender was Jonah Bank of Wyoming, with 414 applications, followed by Uniwyo Federal Credit Union and First Interstate Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,410
Total Mortgage Loan Application Amount $604,110,000
Average Mortgage Loan Application Amount $250,000
Highest Mortgage Loan Application Amount $12,635,000
Average Applicant Income $106,000
Highest Applicant Income $2,021,000

Mortgage Company List for Lending in Albany County, WY for 2021

* 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
Jonah Bank of Wyoming
777 WEST 1ST STREET
CASPER, WY 82601
* $ 342,417,000 414 $ 106,960,000
Uniwyo Federal Credit Union
2020 GRAND AVE
LARAMIE, WY 82070
* $ -1,000 217 $ 45,575,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 153 $ 33,575,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 134 $ 35,420,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 127 $ 30,075,000
Anb Bank
3033 E 1ST AVENUE
DENVER, CO 80206
* $ 2,646,243,000 52 $ 10,120,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 51 $ 10,565,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 47 $ 11,205,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 44 $ 13,630,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 44 $ 12,220,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 37 $ 8,605,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 36 $ 7,880,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 34 $ 9,380,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 31 $ 8,345,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 27 $ 6,345,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 26 $ 6,020,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 24 $ 7,350,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 23 $ 6,805,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 22 $ 6,320,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 21 $ 1,125,000
Pinnacle Bank - Wyoming
PO BOX 760
CODY, WY 82414
* $ 972,141,000 18 $ 3,060,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 16 $ 4,190,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 16 $ 4,310,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 16 $ 3,910,000
Blue Federal Credit Union
PO BOX 3200
CHEYENNE, WY 82001
* $ 1,152,618,000 16 $ 2,310,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 15 $ 4,875,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 14 $ 2,270,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 14 $ 2,650,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 14 $ 3,370,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 14 $ 3,360,000
Wyoming Bank & Trust
5827 YELLOWSTONE RD
CHEYENNE, WY 82009
* $ 206,728,000 13 $ 3,785,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 12 $ 1,250,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 4,610,000
Platte Valley Bank

SCOTTSBLUFF, NE 69361
* $ 452,945,000 11 $ 3,015,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 11 $ 595,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 11 $ 2,635,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ -1,000 10 $ 2,030,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 10 $ 3,410,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 9 $ 2,705,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 9 $ 1,675,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 9 $ 2,665,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 1,830,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 8 $ 1,280,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 737,952,000 7 $ 2,455,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 7 $ 2,615,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 1,695,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 2,275,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 1,241,291,000 6 $ 1,850,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 6 $ 1,560,000
Meridian Trust Federal Credit Union
PO BOX 548
CHEYENNE, WY 82003
* $ 425,932,000 6 $ 1,000,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 910,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 5 $ 1,315,000
Wyhy Federal Credit Union
1715 STILLWATER AVE
CHEYENNE, WY 82009
* $ 245,184,000 5 $ 285,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 5 $ 1,845,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 5 $ 1,185,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 5 $ 1,365,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 1,525,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 1,540,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 4 $ 590,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 4 $ 4,190,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 620,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 2,140,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 980,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 4 $ 490,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 940,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 680,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 840,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 3 $ 455,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 3 $ 965,000
Hilltop National Bank
POBOX 2680
CASPER, WY 82609
* $ 778,228,000 3 $ 825,000
First Federal Bank & Trust

BILLINGS, MT 59106
* $ -1,000 3 $ 915,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 3 $ 555,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 3 $ 925,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 995,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 765,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 620,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 650,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 340,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 520,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 22,555,038,000 2 $ 300,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 2 $ 630,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 30,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 490,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 2 $ 460,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 340,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 470,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 2 $ 1,090,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 2 $ 520,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 11,335,522,000 2 $ 490,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 9,348,808,000 2 $ 820,000
Bank of Colorado
1609 EAST HARMONY RD
FORT COLLINS, CO 80525
* $ 4,520,376,000 2 $ 500,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 300,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 2 $ 570,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 2 $ 330,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 440,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 700,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 560,000
Western Vista Federal Credit U
3207 SPARKS ROAD
CHEYENNE, WY 82003
* $ 178,108,000 2 $ 310,000
Group Mortgage, LLC

HOUSTON, TX 77027
* $ -1,000 1 $ 405,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 155,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 285,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 75,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 185,000
Visio Financial Services Inc.
1905 KRAMER LN B700
WILMINGTON, DE 78758
* $ -1,000 1 $ 115,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 425,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 1,085,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,097,505,000 1 $ 35,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 8,335,689,000 1 $ 55,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,793,987,000 1 $ 125,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 245,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 185,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 1,149,979,000 1 $ 305,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 215,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 75,000
Adams Bank & Trust
PO BOX 720
OGALLALA, NE 69153
* $ 839,145,000 1 $ 215,000
Valley West Corporation
8010 W SAHARA AVE SUITE #140
LAS VEGAS, NV 89117
* $ -1,000 1 $ 345,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 1,488,662,000 1 $ 135,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 365,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 415,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 435,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 195,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 385,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 841,254,000 1 $ 65,000
Grandbridge Real Estate Capital LLC
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ -1,000 1 $ 12,635,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 1 $ 345,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 347,062,000 1 $ 265,000
Florida Credit Union
PO BOX 5549
GAINESVILLE, FL 32627
* $ 1,266,314,000 1 $ 75,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 5,893,793,000 1 $ 355,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 225,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 69,171,552,000 1 $ 215,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 245,000
Outdoor Bank
2401 N SETH CHILD RD
MANHATTAN, KS 66503
* $ 257,149,000 1 $ 645,000
Sound Community Bank
2400 3RD AVENUE SUITE150
SEATTLE, WA 98121
* $ 719,853,000 1 $ 135,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 315,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ 15,666,543,000 1 $ 155,000
Points West Community Bank
2234 MAIN ST
TORRINGTON, WY 82240
* $ 259,886,000 1 $ 235,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 2,678,315,000 1 $ 265,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 1 $ 265,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 365,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 1 $ 315,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 265,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 165,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 335,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 235,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 1,687,713,000 1 $ 305,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 375,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 1,330,030,000 1 $ 305,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 225,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 1 $ 425,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 145,000
Blueleaf Lending, LLC
112 S SANGAMON STREET 2ND FLOOR
CHICAGO, IL 60607
* $ -1,000 1 $ 95,000

The tables below break down 2021 mortgage applications in Albany County, WY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Albany County, WY in 2021

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
Refinancing 911 $209,505,000 $229,000 $3,335,000 $107,000 $1,436,000
Home Purchase 905 $260,475,000 $287,000 $12,635,000 $111,000 $2,021,000
Cash-out Refinancing 490 $123,800,000 $252,000 $755,000 $95,000 $623,000
Other Purpose 59 $5,915,000 $100,000 $525,000 $93,000 $300,000
Home Improvement 37 $3,215,000 $86,000 $255,000 $145,000 $951,000
Not Applicable 8 $1,200,000 $150,000 $185,000 $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
White 1,783 $430,195,000 $241,000 $1,135,000 $105,000 $1,010,000
Not Provided 274 $68,800,000 $251,000 $765,000 $122,000 $2,021,000
Not applicable 176 $65,720,000 $373,000 $12,635,000 $100,000 $197,000
Hispanic 110 $23,440,000 $213,000 $495,000 $88,000 $306,000
Asian 38 $8,230,000 $216,000 $545,000 $104,000 $300,000
American Indian or Alaskan Native 15 $3,695,000 $246,000 $425,000 $72,000 $211,000
Black or African American 8 $2,380,000 $297,000 $545,000 $99,000 $152,000
Native Hawaiian or Other Pacific Islander 2 $470,000 $235,000 $305,000 $51,000 $74,000

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) 1,999 $487,915,000 $244,000 $12,635,000 $110,000 $2,021,000
VA-guaranteed (Veterans Administration) 261 $80,495,000 $308,000 $765,000 $83,000 $333,000
FHA-insured (Federal Housing Administration) 149 $35,595,000 $238,000 $395,000 $68,000 $190,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $105,000 $105,000 $105,000 $62,000 $62,000

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 1,631 $416,905,000 $255,000 $12,635,000 $108,000 $2,021,000
Loan Purchased By The Institution 267 $75,135,000 $281,000 $765,000 $95,000 $474,000
Application Withdrawn By Applicant 215 $49,535,000 $230,000 $1,085,000 $119,000 $1,010,000
Application Denied By Financial Institution 185 $36,875,000 $199,000 $685,000 $87,000 $1,464,000
File Closed For Incompleteness 86 $19,220,000 $223,000 $475,000 $90,000 $325,000
Application Approved But Not Accepted 25 $6,215,000 $248,000 $1,135,000 $147,000 $357,000
Preapproval Approved but not Accepted 1 $225,000 $225,000 $225,000 $63,000 $63,000
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 2,162 $553,740,000 $256,000 $12,635,000 $108,000 $2,021,000
Debt-To-Income Ratio 110 $21,940,000 $199,000 $745,000 $83,000 $506,000
Credit Application Incomplete 36 $7,530,000 $209,000 $495,000 $79,000 $196,000
Credit History 35 $6,945,000 $198,000 $565,000 $90,000 $225,000
Collateral 31 $7,245,000 $233,000 $685,000 $87,000 $234,000
Other 19 $2,785,000 $146,000 $375,000 $150,000 $1,464,000
Unverifiable Information 9 $1,855,000 $206,000 $465,000 $112,000 $252,000
Employment History 6 $1,600,000 $266,000 $435,000 $79,000 $158,000
Insufficient Cash (Downpayment, Closing Cost) 2 $470,000 $235,000 $365,000 $148,000 $225,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

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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