Audrain County, MO Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 966 mortgage applications in Audrain County, MO totaling $122.6 million, down 15% from 2021. The average application was for $126,000, and applicants reported an average income of $74,000. 55% of applications resulted in an originated loan and 14% were denied. The most active lender was Flat Branch Mortgage, Inc., with 141 applications, followed by The Central Trust Bank and United Credit Union.
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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 | 966 |
| Total Mortgage Loan Application Amount | $122,600,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $2,475,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $859,000 |
* 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 | 141 | $ 19,835,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 20,248,406,000 | 94 | $ 11,430,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ 263,887,000 | 70 | $ 4,810,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 3,828,717,000 | 50 | $ 5,820,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 35 | $ 4,405,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 34 | $ 3,710,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 32 | $ 4,910,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 30 | $ 2,900,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 26 | $ 3,930,000 |
| Homebank PO BOX 311 PALMYRA, MO 63461 |
* | $ 491,259,000 | 21 | $ 3,415,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 20 | $ 2,330,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 20 | $ 3,110,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 2,818,411,000 | 18 | $ 2,320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 1,460,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 12 | $ 1,430,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 392,061,000 | 11 | $ 975,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 10 | $ 1,020,000 |
| Community State Bank of Missouri 117 W CHURCH ST BOWLING GREEN, MO 63334 |
* | $ 303,817,000 | 10 | $ 590,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 10 | $ 890,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 9 | $ 1,395,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 9 | $ 1,305,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 9 | $ 595,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 710,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,060,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,050,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 8 | $ 1,040,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 7 | $ 915,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 7 | $ 785,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 308,493,000 | 6 | $ 970,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 490,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 6 | $ 660,000 |
| Hnb National Bank PO BOX 1107; 100 NORTH MAIN STREET HANNIBAL, MO 63401 |
* | $ 669,775,000 | 6 | $ 440,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 830,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 730,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 5 | $ 1,015,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ -1,000 | 5 | $ 555,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 477,405,000 | 5 | $ 1,335,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 620,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 640,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 500,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 590,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 4 | $ 650,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 650,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 590,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 4 | $ 620,000 |
| Commercial Trust Company 119 NORTH MAIN STREET FAYETTE, MO 65248 |
* | $ 171,387,000 | 4 | $ 630,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 526,231,000 | 4 | $ 660,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ -1,000 | 3 | $ 275,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 3,831,637,000 | 3 | $ 265,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 3 | $ 135,000 |
| Alliant Bank 201 S BALTIMORE ST KIRKSVILLE, MO 63501 |
* | $ 200,773,000 | 3 | $ 455,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,920,266,000 | 3 | $ 255,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 685,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 265,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ 364,558,000 | 3 | $ 165,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 3 | $ 565,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 3 | $ 155,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 766,690,000 | 3 | $ 55,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 280,806,000 | 3 | $ 365,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 385,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 3 | $ 285,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 135,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 2 | $ 190,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 2 | $ 250,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ 596,954,000 | 2 | $ 1,130,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 2 | $ 150,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ -1,000 | 2 | $ 210,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 280,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 2 | $ 230,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 390,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 2 | $ 410,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 110,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 3,095,714,000 | 2 | $ 320,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 340,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 260,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 115,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 165,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 205,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 24,685,744,000 | 1 | $ 15,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 1 | $ 95,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 145,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 1 | $ 145,000 |
| Regional Missouri Bank 1201 S MISSOURI AVE MARCELINE, MO 64658 |
* | $ 497,079,000 | 1 | $ 255,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 65,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 1 | $ 165,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 145,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 125,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 1 | $ 175,000 |
| United Bank of Union PO BOX 500 UNION, MO 63084 |
* | $ 456,873,000 | 1 | $ 85,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 125,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 195,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 195,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 85,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ 628,111,000 | 1 | $ 1,045,000 |
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ 637,147,000 | 1 | $ 305,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 115,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 175,000 |
| Bank of Odessa 301 W HIGHWAY 40 ODESSA, MO 64076 |
* | $ 341,617,000 | 1 | $ 2,475,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 125,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,905,965,000 | 1 | $ 185,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 165,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 75,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,823,981,000 | 1 | $ 175,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 1 | $ 95,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 185,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,089,286,000 | 1 | $ 235,000 |
| F&B Acquisition Group LLC 12412 POWERSCOURT DRIVE STE. 20 ST. LOUIS, MO 63131 |
* | $ -1,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 75,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 465,517,000 | 1 | $ 215,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 85,000 |
| Red Diamond Home Loans, LLC 165 S KIMBALL AVE SUITE 100 SOUTHLAKE, TX 76092 |
* | $ -1,000 | 1 | $ 115,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,455,015,000 | 1 | $ 235,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 85,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 55,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 95,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 370,967,000 | 1 | $ 75,000 |
The tables below break down 2022 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 2022
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 | 612 | $84,940,000 | $138,000 | $2,475,000 | $74,000 | $859,000 |
| Refinancing | 131 | $16,345,000 | $124,000 | $1,065,000 | $76,000 | $665,000 |
| Cash-out Refinancing | 125 | $16,025,000 | $128,000 | $455,000 | $68,000 | $215,000 |
| Other Purpose | 53 | $2,935,000 | $55,000 | $155,000 | $80,000 | $479,000 |
| Home Improvement | 44 | $2,310,000 | $52,000 | $225,000 | $87,000 | $496,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
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 | 683 | $84,035,000 | $123,000 | $495,000 | $76,000 | $859,000 |
| Not applicable | 157 | $24,055,000 | $153,000 | $2,475,000 | $69,000 | $103,000 |
| Not Provided | 78 | $9,500,000 | $121,000 | $375,000 | $64,000 | $187,000 |
| Black or African American | 28 | $2,540,000 | $90,000 | $195,000 | $64,000 | $233,000 |
| Hispanic | 11 | $1,155,000 | $105,000 | $205,000 | $55,000 | $75,000 |
| Asian | 5 | $875,000 | $175,000 | $265,000 | $46,000 | $65,000 |
| American Indian or Alaskan Native | 3 | $305,000 | $101,000 | $105,000 | $81,000 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $44,000 | $44,000 |
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) | 601 | $74,975,000 | $124,000 | $2,475,000 | $84,000 | $859,000 |
| FHA-insured (Federal Housing Administration) | 172 | $21,370,000 | $124,000 | $295,000 | $57,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 107 | $11,575,000 | $108,000 | $195,000 | $47,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 86 | $14,680,000 | $170,000 | $425,000 | $62,000 | $165,000 |
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 | 528 | $69,050,000 | $130,000 | $2,475,000 | $78,000 | $732,000 |
| Application Denied By Financial Institution | 135 | $13,155,000 | $97,000 | $305,000 | $61,000 | $665,000 |
| Loan Purchased By The Institution | 124 | $16,050,000 | $129,000 | $295,000 | $60,000 | $103,000 |
| Application Withdrawn By Applicant | 119 | $16,785,000 | $141,000 | $475,000 | $74,000 | $859,000 |
| Application Approved But Not Accepted | 34 | $4,670,000 | $137,000 | $1,045,000 | $73,000 | $217,000 |
| File Closed For Incompleteness | 17 | $1,705,000 | $100,000 | $255,000 | $74,000 | $153,000 |
| Preapproval Approved but not Accepted | 8 | $1,070,000 | $133,000 | $175,000 | $58,000 | $72,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $44,000 | $44,000 |
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 | 749 | $98,515,000 | $131,000 | $575,000 | $77,000 | $859,000 |
| Debt-To-Income Ratio | 123 | $14,765,000 | $120,000 | $2,475,000 | $70,000 | $665,000 |
| Credit History | 42 | $3,900,000 | $92,000 | $295,000 | $60,000 | $123,000 |
| Collateral | 19 | $1,695,000 | $89,000 | $225,000 | $75,000 | $223,000 |
| Credit Application Incomplete | 12 | $1,400,000 | $116,000 | $295,000 | $68,000 | $187,000 |
| Other | 8 | $890,000 | $111,000 | $195,000 | $49,000 | $83,000 |
| Unverifiable Information | 8 | $1,000,000 | $125,000 | $205,000 | $52,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $435,000 | $87,000 | $135,000 | $49,000 | $102,000 |
| 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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