Apache County, AZ Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,102 mortgage applications in Apache County, AZ totaling $211.2 million, up 15% from 2023. The average application was for $191,000, and applicants reported an average income of $102,000. 39% of applications resulted in an originated loan and 32% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 245 applications, followed by 21st Mortgage and Guild Mortgage Company.
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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 | 1,102 |
| Total Mortgage Loan Application Amount | $211,200,000 |
| Average Mortgage Loan Application Amount | $191,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $4,095,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 245 | $ 28,155,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 75 | $ 12,895,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 56 | $ 12,420,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 49 | $ 13,705,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 45 | $ 9,485,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 23 | $ 2,665,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ n/a | 22 | $ 2,050,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 21 | $ 2,695,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 20 | $ 4,830,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 19 | $ 6,545,000 |
| Pima Federal Credit Union 6840 N ORACLE ROAD, SUITE 100 TUCSON, AZ 85704 |
* | $ n/a | 16 | $ 1,600,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 16 | $ 3,420,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 15 | $ 2,565,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 14 | $ 2,640,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 13 | $ 3,155,000 |
| Desert Financial Credit Union 148 N. 48TH ST. PHOENIX, AZ 85034 |
* | $ n/a | 12 | $ 3,900,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 12 | $ 3,150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 11 | $ 3,245,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 10 | $ 2,490,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 10 | $ 530,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 2,410,000 |
| Arizona Central Credit Union 2020 N CENTRAL AVE PHOENIX, AZ 85004 |
* | $ n/a | 9 | $ 945,000 |
| Oneaz Credit Union 2355 W PINNACLE PEAK RD PHOENIX, AZ 85027 |
* | $ n/a | 9 | $ 2,545,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 9 | $ 1,185,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 9 | $ 2,325,000 |
| Nova Financial & Investment Corporation 6245 E. BROADWAY BLVD., SUITE 400 TUCSON, AZ 85711 |
* | $ n/a | 8 | $ 1,700,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 8 | $ 2,100,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 2,570,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 790,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 7 | $ 1,825,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 7 | $ 1,395,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 7 | $ 1,975,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 1,120,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,640,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 6 | $ 1,220,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 330,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 6 | $ 1,690,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,520,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 5 | $ 675,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 5 | $ 745,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 5 | $ 1,155,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 5 | $ 2,215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 5 | $ 1,435,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 5 | $ 1,575,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 5 | $ 665,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 715,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 4 | $ 370,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ n/a | 4 | $ 980,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 1,330,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 730,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 4 | $ 910,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 520,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 930,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 4 | $ 1,080,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 3 | $ 825,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 605,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 485,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 3 | $ 275,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 3 | $ 835,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 545,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 3 | $ 645,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 530,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 170,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 430,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 2 | $ 180,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 460,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 120,000 |
| Truwest Credit Union 1667 N PRIEST DR TEMPE, AZ 85284 |
* | $ n/a | 2 | $ 150,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 2 | $ 460,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 2 | $ 380,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 720,000 |
| Sun American Mortgage Company 4140 E. BASELINE RD., #206 MESA, AZ 85206 |
* | $ n/a | 2 | $ 400,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 660,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 2 | $ 1,130,000 |
| Gardner Financial Services 3503 PAESANOS PKWY SAN ANTONIO, TX 78259 |
* | $ n/a | 2 | $ 400,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 2 | $ 530,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 580,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 2 | $ 1,010,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 270,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 2 | $ 590,000 |
| Arizona Financial Credit Union 333 N 44TH ST PHOENIX, AZ 85082 |
* | $ n/a | 2 | $ 490,000 |
| Altitude Financial Corporation 4031 E SUNRISE DRIVE TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 420,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 2 | $ 420,000 |
| Direct Mortgage Loans, LLC 111011 MCCORMICK RD, SUITE 400 HUNT VALLEY, MD 21031 |
* | $ n/a | 2 | $ 550,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 190,000 |
| Saygo Home Loans, LLC 8155 E INDIAN BEND RD, STE 107 SCOTTSDALE, AZ 85250 |
* | $ n/a | 2 | $ 630,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ n/a | 2 | $ 800,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 400,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 75,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 105,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 415,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 415,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 145,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 95,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ n/a | 1 | $ 1,315,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 355,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 225,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 285,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 415,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 255,000 |
| Sandia Area Federal Credit Uni PO BOX 18044 ALBUQUERQUE, NM 87185 |
* | $ n/a | 1 | $ 105,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ n/a | 1 | $ 125,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ n/a | 1 | $ 255,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 355,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 155,000 |
| Bellco Credit Union 7600 E. ORCHARD ROAD #400N GREENWOOD VILLAGE, CO 80111 |
* | $ n/a | 1 | $ 75,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 225,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ n/a | 1 | $ 55,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 255,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 145,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 105,000 |
| Hughes Federal Credit Union 971 W WETMORE RD TUCSON, AZ 85705 |
* | $ n/a | 1 | $ 25,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ n/a | 1 | $ 105,000 |
| Bay-Valley Mortgage Group 23320 FOOTHILL BLVD, SUITE 260 HAYWARD, CA 94541 |
* | $ n/a | 1 | $ 105,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 155,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 375,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 245,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 245,000 |
| Wall Street Mortgage Bankers, Ltd. dba Power Expre 1010 NORTHERN BLVD., SUITE 336 GREAT NECK, NY 11021 |
* | $ n/a | 1 | $ 215,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 365,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 215,000 |
| Evo Home Loans, LLC dba Epiq Lending SAN RAMON, CA 94583 |
* | $ n/a | 1 | $ 285,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 535,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ n/a | 1 | $ 155,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 555,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ n/a | 1 | $ 35,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 355,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 105,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 65,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 275,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 1 | $ 195,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 605,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 285,000 |
| Vantage West Credit Union 2480 N ARCADIA AVE TUCSON, AZ 85712 |
* | $ n/a | 1 | $ 355,000 |
| Foundation Mortgage Corporation 1680 MICHIGAN AVE SUITE 700 MIAMI BEACH, FL 33139 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2024 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 2024
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 | 672 | $133,260,000 | $198,000 | $1,025,000 | $106,000 | $4,095,000 |
| Cash-out Refinancing | 177 | $35,145,000 | $198,000 | $605,000 | $92,000 | $716,000 |
| Other Purpose | 92 | $9,960,000 | $108,000 | $625,000 | $95,000 | $360,000 |
| Refinancing | 81 | $23,185,000 | $286,000 | $1,235,000 | $115,000 | $445,000 |
| Home Improvement | 79 | $9,645,000 | $122,000 | $1,315,000 | $89,000 | $199,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $136,000 | $136,000 |
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 | 552 | $121,050,000 | $219,000 | $1,235,000 | $114,000 | $4,095,000 |
| American Indian or Alaskan Native | 259 | $30,685,000 | $118,000 | $365,000 | $73,000 | $600,000 |
| Not Provided | 169 | $31,455,000 | $186,000 | $1,215,000 | $102,000 | $716,000 |
| Hispanic | 72 | $13,450,000 | $186,000 | $505,000 | $124,000 | $1,500,000 |
| Not applicable | 44 | $12,950,000 | $294,000 | $1,315,000 | $44,000 | $44,000 |
| Black or African American | 3 | $1,075,000 | $358,000 | $675,000 | $84,000 | $136,000 |
| Asian | 2 | $380,000 | $190,000 | $275,000 | $85,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $20,000 | $20,000 |
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) | 838 | $141,430,000 | $168,000 | $1,315,000 | $107,000 | $4,095,000 |
| FHA-insured (Federal Housing Administration) | 142 | $33,260,000 | $234,000 | $495,000 | $76,000 | $237,000 |
| VA-guaranteed (Veterans Administration) | 115 | $35,115,000 | $305,000 | $815,000 | $89,000 | $286,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,395,000 | $199,000 | $405,000 | $75,000 | $88,000 |
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 | 432 | $93,480,000 | $216,000 | $1,215,000 | $120,000 | $4,095,000 |
| Application Denied By Financial Institution | 348 | $52,500,000 | $150,000 | $805,000 | $78,000 | $621,000 |
| Application Withdrawn By Applicant | 119 | $27,835,000 | $233,000 | $1,235,000 | $122,000 | $1,500,000 |
| File Closed For Incompleteness | 117 | $17,075,000 | $145,000 | $1,315,000 | $86,000 | $270,000 |
| Loan Purchased By The Institution | 48 | $12,730,000 | $265,000 | $815,000 | $69,000 | $111,000 |
| Application Approved But Not Accepted | 38 | $7,580,000 | $199,000 | $685,000 | $110,000 | $555,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 754 | $158,700,000 | $210,000 | $1,315,000 | $114,000 | $4,095,000 |
| Credit History | 130 | $16,640,000 | $128,000 | $505,000 | $74,000 | $600,000 |
| Debt-To-Income Ratio | 95 | $14,865,000 | $156,000 | $675,000 | $48,000 | $273,000 |
| Collateral | 39 | $7,405,000 | $189,000 | $685,000 | $114,000 | $600,000 |
| Unverifiable Information | 35 | $4,415,000 | $126,000 | $425,000 | $81,000 | $208,000 |
| Credit Application Incomplete | 20 | $3,810,000 | $190,000 | $365,000 | $116,000 | $313,000 |
| Other | 17 | $2,465,000 | $145,000 | $275,000 | $104,000 | $271,000 |
| Employment History | 6 | $840,000 | $140,000 | $225,000 | $56,000 | $212,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $2,060,000 | $343,000 | $805,000 | $215,000 | $621,000 |
| 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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