Apache County, AZ Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,024 mortgage applications in Apache County, AZ totaling $132.3 million, down 8% from 2017. The average application was for $129,000, and applicants reported an average income of $74,000. 38% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 157 applications, followed by Guild Mortgage Company and 21st Mortgage.

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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 1,024
Total Mortgage Loan Application Amount $132,250,000
Average Mortgage Loan Application Amount $129,000
Highest Mortgage Loan Application Amount $555,000
Average Applicant Income $74,000
Highest Applicant Income $722,000

Mortgage Company List for Lending in Apache County, AZ for 2018

* 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 157 $ 10,845,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 104 $ 15,310,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 66 $ 5,370,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 66,080,511,000 49 $ 4,205,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 44 $ 7,530,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 26 $ 3,210,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 21 $ 2,555,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 89,765,667,000 19 $ 2,595,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 19 $ 2,765,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 18 $ 3,170,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 2,545,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 2,215,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 16 $ 2,800,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 15 $ 2,845,000
Pima Federal Credit Union
6840 N ORACLE ROAD, SUITE 100
TUCSON, AZ 85704
* $ 512,599,000 15 $ 2,185,000
Arizona Central Credit Union
2020 N CENTRAL AVE
PHOENIX, AZ 85004
* $ 477,821,000 14 $ 1,280,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 11 $ 1,745,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 1,735,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 10 $ 1,380,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 9 $ 1,295,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 9 $ 895,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 965,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 9 $ 1,235,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,090,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 8 $ 1,370,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 8 $ 730,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ -1,000 8 $ 1,930,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 8 $ 1,240,000
Sunstreet Mortgage, LLC
SUNSTREET MORTGAGE, LLC
1725 E. SKYLINE DRIVE, AZ 85718
* $ -1,000 7 $ 765,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 740,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 940,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 6 $ 1,150,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 6 $ 960,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 685,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 5 $ 705,000
Desert Financial Credit Union
148 N. 48TH ST.
PHOENIX, AZ 85034
* $ 4,327,612,000 5 $ 745,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 5 $ 555,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 5 $ 315,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 5 $ 915,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 405,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 675,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 5 $ 915,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 675,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 4 $ 1,050,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 680,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 4 $ 490,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 570,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 9,214,916,000 4 $ 150,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 15,585,466,000 4 $ 830,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 133,225,000 4 $ 760,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 840,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 830,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 3 $ 915,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 3 $ 425,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 3 $ 545,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 3 $ 195,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 545,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 415,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 3 $ 395,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 3 $ 605,000
Lhm Financial Corporation
7025 E GREENWAY PARKWAY SUITE 100
PHOENIX, AZ 85254
* $ -1,000 3 $ 545,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 3 $ 435,000
Oneaz Credit Union
2355 W PINNACLE PEAK RD
PHOENIX, AZ 85027
* $ 2,006,867,000 3 $ 755,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 805,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 3 $ 655,000
Arizona Financial Credit Union
333 N 44TH ST
PHOENIX, AZ 85082
* $ 1,537,437,000 3 $ 245,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 3 $ 445,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 155,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 3 $ 675,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 90,000
Vantage West Credit Union
2480 N ARCADIA AVE
TUCSON, AZ 85712
* $ 1,915,425,000 2 $ 390,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 290,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 300,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,720,468,000 2 $ 520,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 500,000
Arvest Bank

TULSA, OK 74103
* $ 16,758,528,000 2 $ 90,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 2 $ 590,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 230,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 390,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 360,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 10,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 2 $ 160,000
Suburban Mortgage, Inc.
7500 N DREAMY DRAW DRIVE, STE 110
PHOENIX, AZ 85020
* $ -1,000 2 $ 710,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 7,093,314,000 2 $ 180,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 190,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 380,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 2 $ 250,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 350,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 2 $ 300,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 2 $ 190,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 190,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 410,000
Sun American Mortgage Company
4140 E. BASELINE RD., #206
MESA, AZ 85206
* $ -1,000 2 $ 180,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 210,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 305,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 1 $ 145,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 1 $ 85,000
Starboard Financial Management, LLC
4145 E BASELINE RD
GILBERT, AZ 85234
* $ -1,000 1 $ 85,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 1 $ 195,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 395,000
First Nations Home Finance Corporation
7330 ENGINEER ROAD, STE. #A
SAN DIEGO, CA 92111
* $ -1,000 1 $ 135,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 93,722,000 1 $ 235,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 21,866,592,000 1 $ 255,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 85,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,364,710,000 1 $ 75,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 225,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
St. Charles Bank & Trust Company
411 W MAIN ST
ST CHARLES, IL 60174
* $ 1,067,951,000 1 $ 165,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 1 $ 115,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 95,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 6,700,442,000 1 $ 285,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 65,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 185,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 115,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 275,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,787,790,000 1 $ 235,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 205,000
Andigo Credit Union
1501 E WOODFIELD RD
SCHAUMBURG, IL 60173
* $ 867,139,000 1 $ 25,000
Skyline Financial Corp.
27001 AGOURA ROAD STE. 350
CALABASAS, CA 91301
* $ -1,000 1 $ 155,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 71,609,090,000 1 $ 25,000
Tucson Old Pueblo Credit Union
2500 E 22ND ST
TUCSON, AZ 85713
* $ 147,524,000 1 $ 95,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 305,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 145,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 1 $ 105,000
Taylor Morrison Home Funding, Inc.
495 N KELLER RD
MAITLAND, FL 32751
* $ -1,000 1 $ 75,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 105,000
Pinal County Federal Credit Union
1000 E FLORENCE BLVD
CASA GRANDE, AZ 85122
* $ 137,774,000 1 $ 165,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,569,402,000 1 $ 75,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 1 $ 55,000
First Fidelity Bank
5100 N CLASSEN BLVD SUITE 500
OKLAHOMA CITY, OK 73118
* $ 1,558,657,000 1 $ 35,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 105,000
All Reverse Mortgage, Inc
2019 W CHAPMAN AVENUE
ORANGE, CA 92868
* $ -1,000 1 $ 235,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 20,030,342,000 1 $ 355,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 15,000
Bank of Colorado
1609 EAST HARMONY RD
FORT COLLINS, CO 80525
* $ 3,690,879,000 1 $ 25,000
Ideal Home Loans LLC
2679 WEST MAIN STREET SUITE 300-338
LITTLETON, CO 80120
* $ -1,000 1 $ 55,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 4,250,082,000 1 $ 145,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 245,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 1 $ 115,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 145,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 1 $ 95,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 21,557,938,000 1 $ 415,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 1 $ 155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 255,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 145,000

The tables below break down 2018 mortgage applications in Apache County, AZ by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Apache County, AZ in 2018

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 597 $77,525,000 $129,000 $555,000 $72,000 $722,000
Cash-out Refinancing 171 $25,575,000 $149,000 $495,000 $70,000 $300,000
Refinancing 135 $20,195,000 $149,000 $415,000 $81,000 $716,000
Other Purpose 62 $4,480,000 $72,000 $295,000 $73,000 $264,000
Home Improvement 41 $2,915,000 $71,000 $245,000 $88,000 $528,000
Not Applicable 18 $1,560,000 $86,000 $315,000 $99,000 $119,000

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 568 $83,500,000 $147,000 $555,000 $81,000 $722,000
American Indian or Alaskan Native 227 $18,995,000 $83,000 $305,000 $62,000 $470,000
Not Provided 94 $12,420,000 $132,000 $485,000 $73,000 $462,000
Not applicable 75 $9,935,000 $132,000 $315,000 $62,000 $138,000
Hispanic 50 $6,400,000 $128,000 $315,000 $57,000 $191,000
Asian 4 $370,000 $92,000 $155,000 $52,000 $134,000
Black or African American 3 $505,000 $168,000 $225,000 $134,000 $257,000
Native Hawaiian or Other Pacific Islander 1 $5,000 $5,000 $5,000 $24,000 $24,000

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) 709 $85,325,000 $120,000 $555,000 $81,000 $722,000
FHA-insured (Federal Housing Administration) 159 $21,765,000 $136,000 $315,000 $53,000 $336,000
VA-guaranteed (Veterans Administration) 118 $19,680,000 $166,000 $495,000 $62,000 $233,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $5,480,000 $144,000 $215,000 $50,000 $90,000

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 390 $57,170,000 $146,000 $555,000 $86,000 $722,000
Application Denied By Financial Institution 304 $29,020,000 $95,000 $485,000 $57,000 $470,000
Application Withdrawn By Applicant 127 $19,335,000 $152,000 $495,000 $80,000 $716,000
Loan Purchased By The Institution 98 $14,770,000 $150,000 $405,000 $78,000 $294,000
File Closed For Incompleteness 69 $7,925,000 $114,000 $495,000 $64,000 $410,000
Application Approved But Not Accepted 27 $2,675,000 $99,000 $295,000 $67,000 $264,000
Preapproval Approved but not Accepted 9 $1,355,000 $150,000 $275,000 $91,000 $234,000
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 709 $101,825,000 $143,000 $555,000 $81,000 $722,000
Credit History 114 $8,810,000 $77,000 $205,000 $59,000 $470,000
Debt-To-Income Ratio 80 $8,640,000 $108,000 $425,000 $52,000 $410,000
Collateral 49 $5,165,000 $105,000 $305,000 $82,000 $402,000
Unverifiable Information 35 $2,945,000 $84,000 $335,000 $60,000 $229,000
Credit Application Incomplete 19 $2,725,000 $143,000 $305,000 $53,000 $169,000
Other 15 $1,835,000 $122,000 $485,000 $45,000 $100,000
Employment History 2 $180,000 $90,000 $115,000 $34,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 1 $125,000 $125,000 $125,000 $52,000 $52,000
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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