Anderson County, TX Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,275 mortgage applications in Anderson County, TX totaling $130.2 million, about the same as 2011. The average application was for $102,000, and applicants reported an average income of $78,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was Wells Fargo Bank NA, with 158 applications, followed by JPMorgan Chase Bank, NA and Capital One NA.

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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 1,275
Total Mortgage Loan Application Amount $130,211,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $600,000
Average Applicant Income $78,000
Highest Applicant Income $3,000,000

Mortgage Company List for Lending in Anderson County, TX for 2012

* 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
* $ 1,161,490,000,000 158 $ 20,714,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 129 $ 12,996,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 71,108,281,000 104 $ 5,784,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 99 $ 11,661,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 87 $ 4,251,000
Austin Bank, Texas National Association
PO BOX 1537
JACKSONVILLE, TX 75766
* $ 1,328,143,000 76 $ 6,945,000
First Bank & Trust East Texas
104 N TEMPLE BLVD
DIBOLL, TX 75941
* $ 800,812,000 58 $ 6,130,000
Prosperity Bank
1301 N MECHANIC
EL CAMPO, TX 77437
* $ 9,816,225,000 37 $ 2,588,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 31 $ 2,472,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 26 $ 3,199,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 23 $ 1,428,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 21 $ 1,634,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ 3,299,250,000 21 $ 2,650,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 18 $ 1,938,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 16 $ 1,897,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ 896,948,000 13 $ 701,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 12 $ 1,357,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 11 $ 1,201,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 11 $ 1,440,000
First State Bank
130 E CORSICANA STREET
ATHENS, TX 75751
* $ 334,485,000 11 $ 1,689,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 852,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 10 $ 1,918,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 9 $ 365,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 9 $ 1,082,000
Texas Trust Credit Union
5080 W IH 20
ARLINGTON, TX 76017
* $ 721,653,000 9 $ 1,076,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 8 $ 919,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 847,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 903,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 6 $ 516,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 6 $ 383,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 6 $ 822,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 6 $ 627,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 6 $ 989,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 5 $ 485,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 5 $ 547,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 5 $ 566,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 4 $ 818,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 495,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 4 $ 448,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 4 $ 680,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 354,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ 917,364,000 4 $ 398,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 511,000
Citizens State Bank
3915 SSW LOOP 323
TYLER, TX 75701
* $ 266,021,000 4 $ 541,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,507,508,000 3 $ 359,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 253,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 4,834,204,000 3 $ 345,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 283,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 3 $ 271,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 3 $ 649,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 3 $ 190,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 12,990,345,000 3 $ 318,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 25,359,999,000 2 $ 366,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 219,000
Txl Mortgage Corporation
11931 WICKCHESTER LN STE 444
HOUSTON, TX 77043
* $ 100,000,000 2 $ 387,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 2 $ 120,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 539,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 308,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 182,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 296,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 293,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 285,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 288,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 322,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 124,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 290,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 2 $ 319,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 2 $ 184,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 368,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 298,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 2 $ 112,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 124,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ 451,384,000 2 $ 157,000
American National Bank of Texa
102 W MOORE AVENUE
TERRELL, TX 75160
* $ 2,334,659,000 2 $ 154,000
First Community Bank NA
3 SUGAR CREEK CENTER BLVD SUITE 200
SUGAR LAND, TX 77478
* $ 634,177,000 2 $ 67,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 2 $ 39,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 2 $ 261,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 840,006,000 2 $ 902,000
Ubank
208 S US HIGHWAY 69
HUNTINGTON, TX 75949
* $ 234,548,000 2 $ 360,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ 1,006,478,000 2 $ 128,000
Coop Teachers Credit Union
1424 WSW LOOP 323
TYLER, TX 75701
* $ 57,629,000 2 $ 534,000
East Texas Professional C.U.
409 E. LOOP 281
LONGVIEW, TX 75605
* $ 489,923,000 2 $ 26,000
America's Credit Union
2154 FOREST LN.
GARLAND, TX 75042
* $ 160,501,000 1 $ 100,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ 1,431,344,000 1 $ 28,000
Texas Bank
P O BOX 1190
HENDERSON, TX 75652
* $ 290,528,000 1 $ 8,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 46,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 801,626,000 1 $ 5,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 133,582,000 1 $ 117,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 1 $ 164,000
Lindale State Bank
P O BOX 8
LINDALE, TX 75771
* $ 105,425,000 1 $ 63,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 66,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 244,000
First Service Credit Union
9621 W. SAM HOUSTON PARKWAY N.
HOUSTON, TX 77064
* $ 317,935,000 1 $ 10,000
Member Home Loan LLC
9601 JONES RD SUITE 108
HOUSTON, TX 77065
* $ 589,064,000 1 $ 210,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 42,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 80,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 7,000
Classic Home Financial, Inc.
10700 RICHMOND AVENUE #150
HOUSTON, TX 77042
* $ 428,000,000 1 $ 150,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 1 $ 265,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 1 $ 60,000
First National Bank of Huntsville
PO BOX 659 , 1300 11TH ST
HUNTSVILLE, TX 77340
* $ 406,722,000 1 $ 17,000
First National Bank of East Texas
206 US HWY 271 N
GILMER, TX 75644
* $ 192,103,000 1 $ 80,000
Captex Bank, National Association
PO BOX 4
TRENTON, TX 75490
* $ 151,299,000 1 $ 112,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 944,344,000 1 $ 5,000
First National Bank of Kemp
PO BOX 587
KEMP, TX 75143
* $ 54,486,000 1 $ 60,000
First Victoria National Bank
101 S MAIN
VICTORIA, TX 77901
* $ 1,911,275,000 1 $ 140,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 615,607,000 1 $ 215,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 87,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 150,000
Midsouth Bank, National Association
102 VERSAILLES BLVD
LAFAYETTE, LA 70501
* $ 1,396,117,000 1 $ 75,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 16,000
Kilgore National Bank
410 N KILGORE STREET
KILGORE, TX 75662
* $ 85,700,000 1 $ 100,000
Viewpoint Bank, N.A.
1309 W 15TH, SUITE 302
PLANO, TX 75075
* $ 3,179,743,000 1 $ 92,000
Henderson Federal Savings Bank
130 N MARSHALL ST.
HENDERSON, TX 75652
* $ 108,515,000 1 $ 252,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 1 $ 84,000
Firstcapital Bank of Texas, National Association
3900 S. SONCY RD
AMARILLO, TX 79119
* $ 593,537,000 1 $ 114,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 758,439,000 1 $ 75,000
Citizens 1st Bank
PO BOX 630908
NACOGDOCHES, TX 75963
* $ 798,697,000 1 $ 284,000
Shell Federal Credit Union
301 E 13TH ST
DEER PARK, TX 77536
* $ 482,032,000 1 $ 83,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 227,903,000 1 $ 109,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 30,000
Share Plus Federal Bank
5224 W. PLANO PARKWAY
PLANO, TX 75093
* $ 272,851,000 1 $ 200,000
Omniamerican Bank
1320 SOUTH UNIVERSITY DR SUITE 106
FORT WORTH, TX 76107
* $ 1,335,997,000 1 $ 48,000
American State Bank
1116 TROUP HWY
ARP, TX 75701
* $ 207,494,000 1 $ 45,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 229,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 1 $ 265,000
Reverse Mortgage USA, Inc.
6500 RIVER PLACE BLVD, BLDG 1, STE 425
AUSTIN, TX 78730
* $ 3,305,000 1 $ 53,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 47,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 269,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 84,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 114,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 249,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 184,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 168,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 160,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 177,000
Town Square Mortgage & Investments LLC
17300 DALLAS PKWY, STE 1030
DALLAS, TX 75248
* $ 1,000,000,000 1 $ 182,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 1 $ 116,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 36,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 1 $ 5,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,563,405,000 1 $ 196,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 348,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 85,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 1 $ 101,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 215,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 151,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 1 $ 152,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 1 $ 78,000

The tables below break down 2012 mortgage applications in Anderson County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Anderson County, TX 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
Home Purchase 643 $65,337,000 $101,000 $600,000 $65,000 $365,000
Refinancing 474 $56,829,000 $119,000 $552,000 $97,000 $3,000,000
Home Improvement 158 $8,045,000 $50,000 $506,000 $74,000 $330,000

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 965 $102,301,000 $106,000 $600,000 $85,000 $3,000,000
Not Provided 84 $7,747,000 $92,000 $339,000 $77,000 $1,538,000
Hispanic 75 $5,927,000 $79,000 $232,000 $52,000 $163,000
Black or African American 71 $5,896,000 $83,000 $296,000 $58,000 $263,000
Not applicable 64 $6,856,000 $107,000 $506,000 $26,000 $250,000
American Indian or Alaskan Native 9 $929,000 $103,000 $237,000 $54,000 $93,000
Asian 7 $555,000 $79,000 $141,000 $160,000 $567,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $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) 882 $85,404,000 $96,000 $600,000 $89,000 $3,000,000
FHA-insured (Federal Housing Administration) 194 $22,888,000 $117,000 $265,000 $62,000 $1,538,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 133 $12,995,000 $97,000 $224,000 $40,000 $98,000
VA-guaranteed (Veterans Administration) 66 $8,924,000 $135,000 $276,000 $63,000 $149,000

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 578 $59,421,000 $102,000 $552,000 $86,000 $1,783,000
Application Denied By Financial Institution 277 $23,482,000 $84,000 $600,000 $67,000 $1,538,000
Loan Purchased By The Institution 228 $26,688,000 $117,000 $408,000 $61,000 $308,000
Application Withdrawn By Applicant 96 $12,515,000 $130,000 $528,000 $80,000 $468,000
Application Approved But Not Accepted 70 $5,421,000 $77,000 $407,000 $76,000 $365,000
File Closed For Incompleteness 26 $2,684,000 $103,000 $192,000 $179,000 $3,000,000
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 114 $7,324,000 $64,000 $324,000 $70,000 $1,538,000
Debt-To-Income Ratio 47 $3,710,000 $78,000 $339,000 $54,000 $336,000
Collateral 21 $2,222,000 $105,000 $341,000 $78,000 $280,000
Other 17 $1,577,000 $92,000 $269,000 $69,000 $171,000
Credit Application Incomplete 16 $1,790,000 $111,000 $265,000 $93,000 $480,000
Unverifiable Information 10 $1,364,000 $136,000 $339,000 $45,000 $154,000
Insufficient Cash (Downpayment, Closing Cost) 1 $136,000 $136,000 $136,000 $75,000 $75,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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