Ashe County, NC Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,146 mortgage applications in Ashe County, NC totaling $191.0 million, down 4% from 2010. The average application was for $166,000, and applicants reported an average income of $81,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was State Employees' Credit Union, with 118 applications, followed by Wells Fargo Bank NA and Truist Bank.
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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 | 1,146 |
| Total Mortgage Loan Application Amount | $191,048,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $950,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 23,061,183,000 | 118 | $ 15,841,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 85 | $ 17,112,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 84 | $ 12,017,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 83 | $ 14,298,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 80 | $ 13,782,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 49 | $ 8,570,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 41 | $ 6,231,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,797,006,000 | 39 | $ 6,248,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 39 | $ 4,011,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 39 | $ 3,263,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 36 | $ 4,818,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 25 | $ 4,113,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 22 | $ 4,542,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 20 | $ 4,884,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,085,592,000 | 20 | $ 2,488,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 2,705,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 18 | $ 3,548,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 2,297,660,000 | 16 | $ 3,876,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 676,387,000 | 14 | $ 2,381,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 14 | $ 3,625,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 1,898,964,000 | 12 | $ 2,144,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 12 | $ 2,176,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 9 | $ 1,914,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 2,086,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 8 | $ 1,046,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 8 | $ 664,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 1,497,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 6 | $ 1,547,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 6 | $ 1,043,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 6 | $ 1,192,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 6 | $ 1,286,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 6 | $ 979,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 6 | $ 970,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 6 | $ 1,138,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 753,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,400,622,000 | 4 | $ 355,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 1,944,330,000 | 4 | $ 966,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 2,579,350,000 | 4 | $ 1,031,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 837,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 124,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 4 | $ 733,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 465,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 376,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 686,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 715,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 886,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 3 | $ 729,000 |
| Piedmont Federal Savings Bank 201 SOUTH STRATFORD ROAD WINSTON SALEM, NC 27103 |
* | $ 920,546,000 | 3 | $ 826,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 178,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 3 | $ 547,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 907,624,000 | 3 | $ 495,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 437,000 |
| First Financial Services, Inc. 6230 FAIRVIEW RD, 450 CHARLOTTE, NC 28210 |
* | $ 842,786,000 | 2 | $ 631,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,550,836,000 | 2 | $ 830,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 2 | $ 353,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 268,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 632,904,000 | 2 | $ 302,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 427,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 313,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 496,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 404,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 2 | $ 234,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 164,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 438,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 314,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 434,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 626,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 2 | $ 327,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 2 | $ 429,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 389,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 64,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ 50,010,000 | 1 | $ 145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 235,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 50,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 75,000 |
| First National Bank of Shelby 106 S LAFAYETTE STREET SHELBY, NC 28150 |
* | $ 995,403,000 | 1 | $ 229,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 138,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ 10,000,000 | 1 | $ 266,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 415,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 63,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 166,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 157,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 260,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 221,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 415,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 101,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 46,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 228,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 1 | $ 248,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 1 | $ 166,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 1 | $ 273,000 |
| Scbt, NA PO BOX 1287 ORANGEBURG, SC 29116 |
* | $ 3,593,230,000 | 1 | $ 151,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 335,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 175,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 113,000 |
| First Citizens Bank 1230 MAIN ST COLUMBIA, SC 29201 |
* | $ 8,203,738,000 | 1 | $ 220,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 1 | $ 105,000 |
| Crescom Bank 288 MEETING ST CHARLESTON, SC 29401 |
* | $ 367,064,000 | 1 | $ 200,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 3,706,069,000 | 1 | $ 50,000 |
| Coastal Bank & Trust 2414 N MARINE BLVD JACKSONVILLE, NC 28546 |
* | $ 49,993,000 | 1 | $ 210,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,426,039,000 | 1 | $ 139,000 |
| Citizens South Bank PO BOX 2249 GASTONIA, NC 28053 |
* | $ 1,061,313,000 | 1 | $ 693,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 1 | $ 175,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 655,625,000 | 1 | $ 58,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,923,419,000 | 1 | $ 154,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 96,000 |
| The East Carolina Bank 1816 PROGRESS ROAD GREENVILLE, NC 27834 |
* | $ 919,869,000 | 1 | $ 290,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 130,979,000 | 1 | $ 119,000 |
| The Palmetto Bank 306 EAST NORTH STREET GREENVILLE, SC 29601 |
* | $ 1,356,639,000 | 1 | $ 330,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 96,000 |
| Hometrust Bank N.A. P O BOX 10 ASHEVILLE, NC 28804 |
* | $ 1,669,845,000 | 1 | $ 288,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 69,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 140,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 267,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 1 | $ 126,000 |
| First Community Bank, NA 5455 SUNSET BLVD LEXINGTON, SC 29072 |
* | $ 598,275,000 | 1 | $ 160,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 427,083,000 | 1 | $ 232,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 72,051,000 | 1 | $ 162,000 |
| Seaside National Bank & Trust 201 S ORANGE AVE, STE 1350 ORLANDO, FL 32801 |
* | $ 765,917,000 | 1 | $ 406,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 15,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 129,000 |
| Northeast Community Credit Union 980 JASON WITTEN WAY ELIZABETHTON, TN 37643 |
* | $ 68,175,000 | 1 | $ 154,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,444,690,000 | 1 | $ 175,000 |
| Founders Federal Credit Union 737 PLANTATION ROAD LANCASTER, SC 29720 |
* | $ 1,554,278,000 | 1 | $ 220,000 |
| Palmetto Citizens Federal Cred PO BOX 5846 COLUMBIA, SC 29250 |
* | $ 463,410,000 | 1 | $ 245,000 |
| Southern Community Bank and Tr 465 SHEPHERD STREET WINSTON SALEM, NC 27103 |
* | $ 1,649,633,000 | 1 | $ 318,000 |
| Rtp Federal Credit Union PO BOX 12807 RESEARCH TRIANGLE PARK DURHAM, NC 27709 |
* | $ 96,116,000 | 1 | $ 59,000 |
| Carolinas Telco FCU PO BOX 668467 CHARLOTTE, NC 28266 |
* | $ 344,333,000 | 1 | $ 170,000 |
The tables below break down 2011 mortgage applications in Ashe 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 Ashe County, NC in 2011
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 | 795 | $140,257,000 | $176,000 | $1,485,000 | $83,000 | $950,000 |
| Home Purchase | 317 | $45,921,000 | $144,000 | $1,500,000 | $76,000 | $445,000 |
| Home Improvement | 34 | $4,870,000 | $143,000 | $1,095,000 | $77,000 | $239,000 |
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 | 981 | $161,165,000 | $164,000 | $1,485,000 | $83,000 | $950,000 |
| Not Provided | 80 | $14,520,000 | $181,000 | $664,000 | $104,000 | $607,000 |
| Not applicable | 60 | $11,878,000 | $197,000 | $1,500,000 | $23,000 | $333,000 |
| Hispanic | 19 | $2,409,000 | $126,000 | $407,000 | $60,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $322,000 | $161,000 | $196,000 | $158,000 | $225,000 |
| Black or African American | 2 | $454,000 | $227,000 | $294,000 | $48,000 | $96,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $14,000 | $14,000 |
| Asian | 1 | $250,000 | $250,000 | $250,000 | $344,000 | $344,000 |
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) | 952 | $161,589,000 | $169,000 | $1,500,000 | $89,000 | $702,000 |
| FHA-insured (Federal Housing Administration) | 102 | $13,814,000 | $135,000 | $415,000 | $41,000 | $950,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $8,858,000 | $140,000 | $287,000 | $41,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 29 | $6,787,000 | $234,000 | $417,000 | $57,000 | $120,000 |
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 | 554 | $94,417,000 | $170,000 | $1,500,000 | $93,000 | $702,000 |
| Application Denied By Financial Institution | 247 | $37,072,000 | $150,000 | $485,000 | $63,000 | $306,000 |
| Loan Purchased By The Institution | 135 | $22,498,000 | $166,000 | $650,000 | $61,000 | $651,000 |
| Application Withdrawn By Applicant | 133 | $22,577,000 | $169,000 | $693,000 | $88,000 | $950,000 |
| Application Approved But Not Accepted | 49 | $9,597,000 | $195,000 | $1,095,000 | $83,000 | $444,000 |
| File Closed For Incompleteness | 28 | $4,887,000 | $174,000 | $324,000 | $68,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 56 | $9,040,000 | $161,000 | $390,000 | $51,000 | $209,000 |
| Collateral | 44 | $8,861,000 | $201,000 | $417,000 | $96,000 | $306,000 |
| Credit History | 30 | $3,453,000 | $115,000 | $417,000 | $61,000 | $260,000 |
| Credit Application Incomplete | 23 | $3,348,000 | $145,000 | $246,000 | $74,000 | $250,000 |
| Other | 17 | $2,602,000 | $153,000 | $335,000 | $70,000 | $195,000 |
| Unverifiable Information | 5 | $1,000,000 | $200,000 | $406,000 | $66,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $314,000 | $104,000 | $179,000 | $64,000 | $83,000 |
| Employment History | 1 | $168,000 | $168,000 | $168,000 | $23,000 | $23,000 |
| 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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