Alexander County, NC Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,392 mortgage applications in Alexander County, NC totaling $186.3 million, up 22% from 2011. The average application was for $133,000, and applicants reported an average income of $62,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 208 applications, followed by Truist Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 1,392 |
| Total Mortgage Loan Application Amount | $186,288,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,400,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 208 | $ 28,967,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 208 | $ 23,370,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 84 | $ 7,661,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 80 | $ 9,851,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 23,695,260,000 | 77 | $ 8,552,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 65 | $ 9,656,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 672,996,000 | 47 | $ 6,832,000 |
| Taylorsville Savings Bank, SSB 107 MAIN AVE DR TAYLORSVILLE, NC 28681 |
* | $ 89,876,000 | 40 | $ 3,845,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 28 | $ 4,500,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,144,104,000 | 25 | $ 2,127,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 3,162,000 |
| Peoples Bank 518 WEST C STREET NEWTON, NC 28658 |
* | $ 1,064,635,000 | 24 | $ 2,890,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 22 | $ 3,429,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 1,653,680,000 | 21 | $ 2,816,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,571,750,000 | 21 | $ 2,977,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 20 | $ 2,081,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 17 | $ 3,056,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 17 | $ 3,006,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,151,341,000 | 15 | $ 1,933,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 14 | $ 3,071,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 12 | $ 1,689,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 11 | $ 3,084,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 10 | $ 1,724,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 10 | $ 1,348,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 10 | $ 1,202,000 |
| Capital Bank, NA 121 ALHAMBRA PLAZA, SUITE 1601 CORAL GABLES, FL 33134 |
* | $ 6,464,192,000 | 9 | $ 1,844,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 8 | $ 59,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 8 | $ 871,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 1,085,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 8 | $ 1,222,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 1,179,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,236,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 7 | $ 1,108,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 954,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 6 | $ 625,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 727,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 383,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 5 | $ 390,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 940,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 4 | $ 653,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 4 | $ 695,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 650,000 |
| Amerisouth Mortgage Company 2101 SARDIS RD N STE 120 CHARLOTTE, NC 28227 |
* | $ 10,000,000 | 4 | $ 338,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 4 | $ 806,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 4 | $ 866,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 4 | $ 458,000 |
| First Financial Services, Inc. 6230 FAIRVIEW RD, 450 CHARLOTTE, NC 28210 |
* | $ 842,786,000 | 4 | $ 508,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 1,990,951,000 | 4 | $ 311,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,494,539,000 | 4 | $ 539,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 4 | $ 476,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,344,283,000 | 3 | $ 132,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 3 | $ 475,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 3 | $ 400,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 228,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 3 | $ 273,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 3 | $ 325,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 3 | $ 974,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 3 | $ 705,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 2 | $ 218,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 623,000 |
| Resource Financial Services 2717 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 2 | $ 462,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 2 | $ 158,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 2 | $ 532,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 429,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 401,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 219,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,677,184,000 | 2 | $ 324,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 2 | $ 284,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 2 | $ 1,227,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 75,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 2 | $ 235,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 2 | $ 292,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 2 | $ 197,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 49,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 792,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 130,000 |
| First National Bank of Stlouis 7707 FORSYTH BLVD CLAYTON, MO 63105 |
* | $ 1,327,659,000 | 1 | $ 199,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 64,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 75,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 264,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 615,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 632,479,000 | 1 | $ 236,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 289,845,000 | 1 | $ 290,000 |
| Parkway Bank PO BOX 1058 LENOIR, NC 28645 |
* | $ 113,658,000 | 1 | $ 45,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 200,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 2,225,317,000 | 1 | $ 121,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 201,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 1 | $ 122,000 |
| Bethpage Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 4,505,104,000 | 1 | $ 399,000 |
| Pacific Mercantile Bank 949 SOUTH COAST DRIVE 3RD FLOOR COSTA MESA, CA 92626 |
* | $ 1,023,563,000 | 1 | $ 138,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,888,611,000 | 1 | $ 108,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 951,995,000 | 1 | $ 100,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 908,098,000 | 1 | $ 248,000 |
| Telco Community Credit Union 712 NEW LEICESTER HWY. CANDLER, NC 28715 |
* | $ 84,857,000 | 1 | $ 17,000 |
| Bank of Granite 315 FIRST AVE NW HICKORY, NC 28603 |
* | $ 753,799,000 | 1 | $ 277,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 67,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 305,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,073,987,000 | 1 | $ 50,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 207,050,000 | 1 | $ 94,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 99,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 450,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 11,018,418,000 | 1 | $ 249,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 176,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 259,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Allen Tate Mortgage Services, 8640 UNIVERSITY EXECUTIVE PARK DR CHARLOTTE, NC 28262 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 1 | $ 50,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 74,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 106,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 89,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 379,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 185,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 168,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 119,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ 50,010,000 | 1 | $ 138,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 160,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 211,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 102,000 |
The tables below break down 2012 mortgage applications in Alexander County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Alexander County, NC in 2012
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 | 884 | $128,082,000 | $144,000 | $785,000 | $65,000 | $1,400,000 |
| Home Purchase | 441 | $54,805,000 | $124,000 | $450,000 | $55,000 | $733,000 |
| Home Improvement | 67 | $3,401,000 | $50,000 | $417,000 | $61,000 | $360,000 |
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 | 1,155 | $156,588,000 | $135,000 | $785,000 | $67,000 | $1,140,000 |
| Not applicable | 114 | $15,222,000 | $133,000 | $387,000 | $6,000 | $152,000 |
| Not Provided | 77 | $9,707,000 | $126,000 | $417,000 | $72,000 | $1,400,000 |
| Black or African American | 20 | $1,993,000 | $99,000 | $234,000 | $45,000 | $164,000 |
| Asian | 12 | $1,450,000 | $120,000 | $249,000 | $56,000 | $97,000 |
| Hispanic | 11 | $894,000 | $81,000 | $194,000 | $52,000 | $102,000 |
| American Indian or Alaskan Native | 2 | $273,000 | $136,000 | $236,000 | $82,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $161,000 | $161,000 | $161,000 | $18,000 | $18,000 |
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) | 1,027 | $140,755,000 | $137,000 | $785,000 | $70,000 | $1,400,000 |
| FHA-insured (Federal Housing Administration) | 192 | $24,064,000 | $125,000 | $379,000 | $35,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $14,470,000 | $113,000 | $270,000 | $38,000 | $115,000 |
| VA-guaranteed (Veterans Administration) | 45 | $6,999,000 | $155,000 | $260,000 | $43,000 | $139,000 |
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 | 667 | $90,062,000 | $135,000 | $675,000 | $70,000 | $733,000 |
| Application Denied By Financial Institution | 269 | $30,544,000 | $113,000 | $417,000 | $65,000 | $1,400,000 |
| Loan Purchased By The Institution | 215 | $30,373,000 | $141,000 | $415,000 | $31,000 | $360,000 |
| Application Withdrawn By Applicant | 118 | $18,258,000 | $154,000 | $785,000 | $61,000 | $371,000 |
| Application Approved But Not Accepted | 86 | $11,096,000 | $129,000 | $615,000 | $60,000 | $279,000 |
| File Closed For Incompleteness | 37 | $5,955,000 | $160,000 | $617,000 | $67,000 | $230,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 54 | $4,087,000 | $75,000 | $294,000 | $53,000 | $192,000 |
| Collateral | 50 | $7,769,000 | $155,000 | $417,000 | $113,000 | $1,400,000 |
| Debt-To-Income Ratio | 36 | $3,691,000 | $102,000 | $258,000 | $37,000 | $93,000 |
| Other | 19 | $2,452,000 | $129,000 | $412,000 | $65,000 | $260,000 |
| Credit Application Incomplete | 18 | $2,901,000 | $161,000 | $396,000 | $88,000 | $330,000 |
| Unverifiable Information | 6 | $662,000 | $110,000 | $242,000 | $92,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $533,000 | $106,000 | $140,000 | $18,000 | $37,000 |
| Employment History | 1 | $83,000 | $83,000 | $83,000 | $43,000 | $43,000 |
| 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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