Audrain County, MO Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 976 mortgage applications in Audrain County, MO totaling $116.7 million, up 32% from 2019. The average application was for $119,000, and applicants reported an average income of $69,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Flat Branch Mortgage, Inc., with 94 applications, followed by United Credit Union and Commerce 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 | 976 |
| Total Mortgage Loan Application Amount | $116,650,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $648,000 |
* 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 |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 94 | $ 11,720,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ 182,226,000 | 82 | $ 5,700,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 78 | $ 9,740,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 46 | $ 4,770,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,622,768,000 | 46 | $ 5,040,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 45 | $ 5,245,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,813,626,000 | 36 | $ 3,190,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 31 | $ 3,575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 26 | $ 3,940,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 421,979,000 | 22 | $ 3,480,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 21 | $ 2,535,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 380,135,000 | 20 | $ 3,100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 17 | $ 1,755,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 16 | $ 2,330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 16 | $ 2,160,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 2,221,174,000 | 14 | $ 2,140,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 13 | $ 1,715,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 12 | $ 1,410,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 517,723,000 | 12 | $ 1,180,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 11 | $ 1,655,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 10 | $ 950,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 10 | $ 1,100,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 515,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 9 | $ 1,485,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,535,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 2,678,315,000 | 8 | $ 950,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 8 | $ 460,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 8 | $ 900,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 7 | $ 885,000 |
| Community State Bank of Missouri 117 W CHURCH ST BOWLING GREEN, MO 63334 |
* | $ 240,892,000 | 6 | $ 540,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 530,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 267,453,000 | 5 | $ 435,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 775,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 388,069,000 | 5 | $ 505,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 5 | $ 315,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 5 | $ 505,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 520,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 180,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 4 | $ 880,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 219,165,000 | 4 | $ 580,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 490,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 4 | $ 510,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 270,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 3 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 3 | $ 85,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 485,291,000 | 3 | $ 195,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 285,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 374,223,000 | 3 | $ 565,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 3 | $ 445,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 435,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 208,018,000 | 3 | $ 705,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ 160,401,000 | 3 | $ 415,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,483,698,000 | 3 | $ 475,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 225,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 3 | $ 325,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ -1,000 | 2 | $ 510,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 2 | $ 240,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 150,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 2 | $ 220,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 310,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 250,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 310,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 460,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 2 | $ 360,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 240,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 17,659,319,000 | 2 | $ 330,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ 374,290,000 | 2 | $ 250,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 230,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 70,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 230,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 280,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 470,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ 289,271,000 | 2 | $ 170,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 200,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 2,785,682,000 | 2 | $ 160,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 280,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 280,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 200,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 245,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,956,628,000 | 1 | $ 115,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 115,000 |
| Saints Avenue Bank 390 VETERANS RD HANNIBAL, MO 63401 |
* | $ 104,967,000 | 1 | $ 55,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD. JEFFERSON CITY, MO 65101 |
* | $ 644,699,000 | 1 | $ 75,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 85,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 1 | $ 115,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 105,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 465,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 1 | $ 95,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 145,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 1 | $ 105,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ 315,655,000 | 1 | $ 175,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 135,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 1 | $ 105,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 355,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 1 | $ 65,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,255,666,000 | 1 | $ 85,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 285,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 1,070,090,000 | 1 | $ 105,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,996,752,000 | 1 | $ 95,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 115,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 185,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 205,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 1 | $ 45,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 155,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 65,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ 527,864,000 | 1 | $ 215,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 115,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 1 | $ 65,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 275,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 295,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 85,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 9,043,235,000 | 1 | $ 575,000 |
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ 448,549,000 | 1 | $ 75,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2020 mortgage applications in Audrain County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Audrain County, MO in 2020
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 | 500 | $57,590,000 | $115,000 | $465,000 | $62,000 | $305,000 |
| Refinancing | 307 | $38,325,000 | $124,000 | $575,000 | $75,000 | $507,000 |
| Cash-out Refinancing | 110 | $15,820,000 | $143,000 | $405,000 | $75,000 | $349,000 |
| Home Improvement | 24 | $2,080,000 | $86,000 | $285,000 | $91,000 | $257,000 |
| Other Purpose | 21 | $1,765,000 | $84,000 | $245,000 | $108,000 | $648,000 |
| Not Applicable | 14 | $1,070,000 | $76,000 | $175,000 | $17,000 | $17,000 |
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 | 728 | $87,280,000 | $119,000 | $575,000 | $71,000 | $648,000 |
| Not applicable | 134 | $16,270,000 | $121,000 | $335,000 | $66,000 | $168,000 |
| Not Provided | 75 | $9,275,000 | $123,000 | $355,000 | $63,000 | $160,000 |
| Black or African American | 22 | $2,330,000 | $105,000 | $215,000 | $48,000 | $115,000 |
| Hispanic | 11 | $1,045,000 | $95,000 | $265,000 | $50,000 | $149,000 |
| American Indian or Alaskan Native | 6 | $450,000 | $75,000 | $175,000 | $49,000 | $118,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 623 | $73,565,000 | $118,000 | $575,000 | $77,000 | $648,000 |
| FHA-insured (Federal Housing Administration) | 143 | $17,955,000 | $125,000 | $295,000 | $54,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 114 | $12,130,000 | $106,000 | $215,000 | $41,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 96 | $13,000,000 | $135,000 | $315,000 | $61,000 | $156,000 |
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 | 550 | $69,650,000 | $126,000 | $575,000 | $74,000 | $648,000 |
| Application Denied By Financial Institution | 143 | $13,035,000 | $91,000 | $355,000 | $56,000 | $305,000 |
| Loan Purchased By The Institution | 126 | $15,680,000 | $124,000 | $325,000 | $68,000 | $168,000 |
| Application Withdrawn By Applicant | 99 | $11,485,000 | $116,000 | $465,000 | $65,000 | $206,000 |
| File Closed For Incompleteness | 31 | $3,975,000 | $128,000 | $285,000 | $65,000 | $155,000 |
| Application Approved But Not Accepted | 26 | $2,800,000 | $107,000 | $295,000 | $63,000 | $130,000 |
| Preapproval Approved but not Accepted | 1 | $25,000 | $25,000 | $25,000 | $113,000 | $113,000 |
| 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 | 751 | $95,725,000 | $127,000 | $575,000 | $72,000 | $648,000 |
| Debt-To-Income Ratio | 142 | $13,700,000 | $96,000 | $315,000 | $61,000 | $226,000 |
| Credit History | 40 | $2,800,000 | $70,000 | $195,000 | $61,000 | $191,000 |
| Collateral | 15 | $1,755,000 | $117,000 | $355,000 | $67,000 | $160,000 |
| Other | 12 | $1,060,000 | $88,000 | $175,000 | $81,000 | $305,000 |
| Credit Application Incomplete | 8 | $880,000 | $110,000 | $185,000 | $63,000 | $120,000 |
| Unverifiable Information | 4 | $370,000 | $92,000 | $115,000 | $62,000 | $140,000 |
| Employment History | 2 | $220,000 | $110,000 | $135,000 | $48,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $140,000 | $70,000 | $105,000 | $25,000 | $25,000 |
| 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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