Amherst County, VA Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,508 mortgage applications in Amherst County, VA totaling $202.6 million, down 18% from 2009. The average application was for $134,000, and applicants reported an average income of $55,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was Branch Banking and Trust Co, with 261 applications, followed by Wells Fargo Bank, NA and Bank of America, N.A..
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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 | 1,508 |
| Total Mortgage Loan Application Amount | $202,604,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $1,475,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $842,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 261 | $ 27,425,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 154 | $ 19,613,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 111 | $ 15,944,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 97 | $ 13,818,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 68 | $ 10,074,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 696,719,000 | 67 | $ 10,553,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 65 | $ 10,099,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 55 | $ 8,765,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 51 | $ 6,507,000 |
| Bank of the James 828 MAIN STREET LYNCHBURG, VA 24504 |
* | $ 437,592,000 | 36 | $ 3,990,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 35 | $ 5,663,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 33 | $ 6,248,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 33 | $ 2,406,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 28 | $ 402,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 21 | $ 3,068,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 18 | $ 2,761,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 17 | $ 985,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 17 | $ 2,237,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 16 | $ 2,414,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 13 | $ 2,032,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 13 | $ 2,220,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 11 | $ 1,659,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 11 | $ 1,666,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 484,627,000 | 10 | $ 34,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 10 | $ 1,424,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 1,680,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,677,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 821,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 2,081,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ 10,000,000 | 6 | $ 2,027,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 6 | $ 994,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,015,291,000 | 6 | $ 949,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 6 | $ 444,000 |
| First National Bank P. O. BOX 29, 622 BROAD STREET ALTAVISTA, VA 24517 |
* | $ 331,813,000 | 6 | $ 349,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,941,835,000 | 6 | $ 499,000 |
| Beacon Credit Union 107 LEROY BOWEN DR LYNCHBURG, VA 24502 |
* | $ 67,743,000 | 5 | $ 118,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 5 | $ 2,152,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,130,091,000 | 5 | $ 999,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 5 | $ 922,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 806,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 4 | $ 700,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 4 | $ 745,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 254,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 4 | $ 182,000 |
| Member Options LLC 1936 ARLINGTONG BLVD. CHARLOTTESVILLE, VA 22903 |
* | $ 32,364,000 | 4 | $ 801,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 4 | $ 459,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 719,491,000 | 4 | $ 613,000 |
| Central Virginia FCU 1638 MT ATHOS ROAD LYNCHBURG, VA 24504 |
* | $ 76,311,000 | 4 | $ 214,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 808,331,000 | 4 | $ 623,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 3,388,923,000 | 3 | $ 22,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 3 | $ 404,000 |
| Lendmark Mortgage and Finance 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 3 | $ 56,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 258,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 3 | $ 675,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 425,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 514,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 3 | $ 416,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 279,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 2 | $ 135,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 2 | $ 289,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 537,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 181,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 439,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 243,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 420,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 2 | $ 250,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 483,916,000 | 2 | $ 436,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 2 | $ 282,000 |
| Select Bank P.O. BOX 4620 LYNCHBURG, VA 24502 |
* | $ 90,416,000 | 2 | $ 277,000 |
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ 455,665,000 | 2 | $ 7,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 126,024,000 | 2 | $ 33,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 2 | $ 713,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 15,798,830,000 | 1 | $ 65,000 |
| Bank of Botetourt 19747 MAIN STREET BUCHANAN, VA 24066 |
* | $ 309,139,000 | 1 | $ 124,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Municipal Employees Credit Union ONE SOUTH STREET BALTIMORE, MD 21202 |
* | $ 1,032,703,000 | 1 | $ 305,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 1 | $ 250,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 92,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 104,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 45,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 151,583,000 | 1 | $ 31,000 |
| Transportation Federal Credit Union 1600 CAMERON STREET ALEXANDRIA, VA 22314 |
* | $ 164,138,000 | 1 | $ 20,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 142,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 5,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,037,566,000 | 1 | $ 3,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 1 | $ 25,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,396,195,000 | 1 | $ 93,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 1 | $ 28,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 700,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 115,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 91,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 184,000 |
| 1st Commonwealth Bank of Virgi 2500 WILSON BOULEVARD 100 ARLINGTON, VA 22201 |
* | $ 61,263,000 | 1 | $ 95,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 130,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 82,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 200,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 1 | $ 95,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 99,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 112,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 92,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 100,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 113,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 148,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 272,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 243,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Pinnacle Mortgage Group, Inc. 3605 SOUTH TELLER ST LAKEWOOD, CO 80235 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 297,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 220,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 147,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 170,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 97,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 190,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ 8,810,000 | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 150,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 120,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 133,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ 10,000,000 | 1 | $ 335,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 1 | $ 228,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 152,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 1 | $ 118,000 |
The tables below break down 2010 mortgage applications in Amherst County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Amherst County, VA in 2010
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 | 965 | $142,773,000 | $147,000 | $1,475,000 | $57,000 | $842,000 |
| Home Purchase | 386 | $52,345,000 | $135,000 | $700,000 | $51,000 | $438,000 |
| Home Improvement | 157 | $7,486,000 | $47,000 | $336,000 | $51,000 | $185,000 |
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 | 1,018 | $138,955,000 | $136,000 | $1,005,000 | $63,000 | $780,000 |
| Black or African American | 187 | $19,563,000 | $104,000 | $397,000 | $43,000 | $137,000 |
| Not Provided | 139 | $20,566,000 | $147,000 | $1,475,000 | $64,000 | $842,000 |
| Not applicable | 134 | $20,146,000 | $150,000 | $340,000 | $2,000 | $101,000 |
| Hispanic | 13 | $1,829,000 | $140,000 | $417,000 | $57,000 | $137,000 |
| American Indian or Alaskan Native | 11 | $1,041,000 | $94,000 | $143,000 | $38,000 | $157,000 |
| Asian | 4 | $439,000 | $109,000 | $141,000 | $85,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $65,000 | $32,000 | $50,000 | $82,000 | $110,000 |
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) | 1,019 | $128,853,000 | $126,000 | $1,475,000 | $59,000 | $842,000 |
| FHA-insured (Federal Housing Administration) | 346 | $50,517,000 | $146,000 | $310,000 | $47,000 | $347,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $12,169,000 | $136,000 | $212,000 | $41,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 54 | $11,065,000 | $204,000 | $403,000 | $52,000 | $207,000 |
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 | 770 | $102,336,000 | $132,000 | $1,005,000 | $64,000 | $780,000 |
| Loan Purchased By The Institution | 278 | $42,930,000 | $154,000 | $417,000 | $32,000 | $234,000 |
| Application Denied By Financial Institution | 236 | $25,124,000 | $106,000 | $1,475,000 | $50,000 | $842,000 |
| Application Withdrawn By Applicant | 151 | $21,837,000 | $144,000 | $480,000 | $62,000 | $347,000 |
| Application Approved But Not Accepted | 45 | $4,919,000 | $109,000 | $245,000 | $48,000 | $114,000 |
| File Closed For Incompleteness | 28 | $5,458,000 | $194,000 | $402,000 | $60,000 | $150,000 |
| 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 | 59 | $3,365,000 | $57,000 | $417,000 | $38,000 | $104,000 |
| Debt-To-Income Ratio | 38 | $5,162,000 | $135,000 | $1,475,000 | $69,000 | $842,000 |
| Other | 27 | $3,759,000 | $139,000 | $358,000 | $59,000 | $185,000 |
| Collateral | 24 | $3,301,000 | $137,000 | $264,000 | $54,000 | $129,000 |
| Credit Application Incomplete | 8 | $1,151,000 | $143,000 | $300,000 | $92,000 | $322,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $260,000 | $86,000 | $133,000 | $49,000 | $69,000 |
| Unverifiable Information | 2 | $385,000 | $192,000 | $280,000 | $23,000 | $47,000 |
| Mortgage Insurance Denied | 1 | $125,000 | $125,000 | $125,000 | $60,000 | $60,000 |
| Employment History | 1 | $142,000 | $142,000 | $142,000 | $27,000 | $27,000 |
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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