Avery County, NC Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,064 mortgage applications in Avery County, NC totaling $225.1 million, up 10% from 2011. The average application was for $211,000, and applicants reported an average income of $140,000. 54% of applications resulted in an originated loan and 17% were denied. The most active lender was Wells Fargo Bank NA, with 157 applications, followed by Truist Bank and Yadkin 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 | 1,064 |
| Total Mortgage Loan Application Amount | $225,112,000 |
| Average Mortgage Loan Application Amount | $211,000 |
| Highest Mortgage Loan Application Amount | $2,831,000 |
| Average Applicant Income | $140,000 |
| Highest Applicant Income | $9,999,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 157 | $ 32,996,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 111 | $ 30,997,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 1,990,951,000 | 90 | $ 13,743,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 6,977,357,000 | 60 | $ 7,819,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 23,695,260,000 | 54 | $ 6,093,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 53 | $ 16,523,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 44 | $ 7,547,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 34 | $ 10,012,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 27 | $ 1,886,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 21 | $ 4,072,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 19 | $ 3,678,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 11 | $ 1,211,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 11 | $ 2,388,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 10 | $ 2,274,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 10 | $ 1,589,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 3,347,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 9 | $ 1,820,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,300,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 9 | $ 1,609,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 9 | $ 1,066,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,571,750,000 | 9 | $ 1,698,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,580,221,000 | 9 | $ 848,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 1,309,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 1,066,000 |
| Northeast Community Credit Union 980 JASON WITTEN WAY ELIZABETHTON, TN 37643 |
* | $ 73,389,000 | 7 | $ 773,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 632,479,000 | 7 | $ 1,346,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 7 | $ 1,370,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 1,755,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 1,120,000 |
| Carter County Bank PO BOX 4980 JOHNSON CITY, TN 37602 |
* | $ 270,344,000 | 6 | $ 2,737,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 3,893,784,000 | 5 | $ 1,979,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 1,653,680,000 | 5 | $ 1,125,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 620,609,000 | 5 | $ 461,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,494,539,000 | 5 | $ 254,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 5 | $ 3,558,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 5 | $ 1,831,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 232,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 961,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 4 | $ 1,200,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 487,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 4 | $ 1,712,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 188,912,554,000 | 4 | $ 719,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 4 | $ 2,549,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 4 | $ 692,000 |
| Piedmont Federal Savings Bank 201 SOUTH STRATFORD ROAD WINSTON SALEM, NC 27103 |
* | $ 936,919,000 | 4 | $ 1,034,000 |
| Newbridge Bank 1501 HIGHWOODS BLVD, SUITE 400 GREENSBORO, NC 27410 |
* | $ 1,733,432,000 | 4 | $ 1,334,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,151,341,000 | 4 | $ 424,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 3 | $ 313,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 941,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 3 | $ 422,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 3 | $ 288,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 3 | $ 1,218,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 3 | $ 748,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 3 | $ 705,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 677,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ 99,831,232,000 | 3 | $ 2,190,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 1,025,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 701,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 642,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 395,000 |
| First Citizens Bank 1230 MAIN ST COLUMBIA, SC 29201 |
* | $ 8,103,953,000 | 2 | $ 426,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 2 | $ 364,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 346,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 674,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 429,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 1,148,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,291,705,000 | 2 | $ 1,020,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 34,276,023,000 | 2 | $ 749,000 |
| Capital Bank, NA 121 ALHAMBRA PLAZA, SUITE 1601 CORAL GABLES, FL 33134 |
* | $ 6,464,192,000 | 2 | $ 755,000 |
| Gulfshore Bank 401 S FLORIDA AVE STE 100 TAMPA, FL 33602 |
* | $ 239,931,000 | 2 | $ 644,000 |
| Asheville Savings Bank, SSB PO BOX 652 ASHEVILLE, NC 28802 |
* | $ 785,846,000 | 2 | $ 378,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 2 | $ 580,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 1,899,061,000 | 2 | $ 291,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 2,014,042,000 | 2 | $ 182,000 |
| Hometrust Bank N.A. P O BOX 10 ASHEVILLE, NC 28804 |
* | $ 1,578,541,000 | 2 | $ 315,000 |
| Peoples Bank 518 WEST C STREET NEWTON, NC 28658 |
* | $ 1,064,635,000 | 2 | $ 243,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 256,000 |
| First Financial Services, Inc. 6230 FAIRVIEW RD, 450 CHARLOTTE, NC 28210 |
* | $ 842,786,000 | 2 | $ 335,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 243,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 83,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 212,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 322,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 133,582,000 | 1 | $ 237,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 46,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 908,098,000 | 1 | $ 213,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 3,289,441,000 | 1 | $ 111,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 556,168,000 | 1 | $ 78,000 |
| Poli Mortgage Group, Inc. 780 DEDHAM STREET CANTON, MA 02021 |
* | $ 7,525,858,000 | 1 | $ 168,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 13,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 1 | $ 208,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 72,848,000 | 1 | $ 278,000 |
| Farmers Bank and Trust Company 400 W. MAIN STREET, P. O. BOX 688 BLYTHEVILLE, AR 72316 |
* | $ 401,832,000 | 1 | $ 352,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,246,957,000 | 1 | $ 133,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,553,220,000 | 1 | $ 417,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,144,104,000 | 1 | $ 106,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,888,611,000 | 1 | $ 222,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 961,324,000 | 1 | $ 32,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 1 | $ 412,000 |
| Bank of Madison 133 N MAIN ST MADISON, GA 30650 |
* | $ 217,907,000 | 1 | $ 230,000 |
| Farmers and Merchants Bank 138 SALISBURY AVENUE GRANITE QUARRY, NC 28072 |
* | $ 570,187,000 | 1 | $ 129,000 |
| First South Bank 1311 CAROLINA AVE WASHINGTON, NC 27889 |
* | $ 744,402,000 | 1 | $ 97,000 |
| Security Federal Bank PO BOX 810 AIKEN, SC 29802 |
* | $ 916,356,000 | 1 | $ 108,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,218,607,000 | 1 | $ 417,000 |
| Bank of North Carolina 3980 PREMIER DR. STE 150 HIGH POINT, NC 27265 |
* | $ 2,453,584,000 | 1 | $ 300,000 |
| City National Bank of Florida 25 WEST FLAGLER STREET MIAMI, FL 33131 |
* | $ 3,973,767,000 | 1 | $ 2,831,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 126,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 242,000 |
| Crescom Bank 288 MEETING ST CHARLESTON, SC 29401 |
* | $ 825,259,000 | 1 | $ 364,000 |
| Corning Credit Union ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 897,588,000 | 1 | $ 130,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 55,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 39,468,720,000 | 1 | $ 800,000 |
| Southern Bank and Trust Compan PO BOX 729 MT OLIVE, NC 28365 |
* | $ 2,039,801,000 | 1 | $ 140,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,863,303,000 | 1 | $ 341,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 152,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 122,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 26,181,267,000 | 1 | $ 174,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 60,000 |
| First National Bank of Shelby 106 S LAFAYETTE STREET SHELBY, NC 28150 |
* | $ 898,380,000 | 1 | $ 95,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 255,171,000 | 1 | $ 161,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 130,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 177,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 610,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 319,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 154,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 57,000 |
| First Priority Financial 3700 HILBORN ROAD, SUITE 700 FAIRFIELD, AL 94534 |
* | $ 19,696,000 | 1 | $ 292,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 208,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Resource Financial Services 2717 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 1 | $ 115,000 |
The tables below break down 2012 mortgage applications in Avery 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 Avery County, NC in 2012
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 | 723 | $162,409,000 | $224,000 | $2,000,000 | $134,000 | $1,269,000 |
| Home Purchase | 289 | $59,030,000 | $204,000 | $2,831,000 | $172,000 | $9,999,000 |
| Home Improvement | 52 | $3,673,000 | $70,000 | $383,000 | $56,000 | $153,000 |
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 | 914 | $187,655,000 | $205,000 | $2,831,000 | $132,000 | $2,565,000 |
| Not Provided | 67 | $17,010,000 | $253,000 | $1,100,000 | $326,000 | $9,999,000 |
| Not applicable | 59 | $15,096,000 | $255,000 | $1,050,000 | $47,000 | $1,078,000 |
| Hispanic | 11 | $2,339,000 | $212,000 | $652,000 | $157,000 | $360,000 |
| Asian | 7 | $1,537,000 | $219,000 | $292,000 | $163,000 | $364,000 |
| Black or African American | 5 | $1,318,000 | $263,000 | $525,000 | $164,000 | $281,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $157,000 | $157,000 | $157,000 | $70,000 | $70,000 |
| American Indian or Alaskan Native | 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) | 956 | $208,413,000 | $218,000 | $2,831,000 | $152,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 59 | $8,227,000 | $139,000 | $234,000 | $40,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 25 | $5,101,000 | $204,000 | $565,000 | $51,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $3,371,000 | $140,000 | $210,000 | $36,000 | $69,000 |
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 | 571 | $127,335,000 | $223,000 | $2,831,000 | $167,000 | $9,999,000 |
| Application Denied By Financial Institution | 184 | $28,628,000 | $155,000 | $1,007,000 | $90,000 | $711,000 |
| Loan Purchased By The Institution | 112 | $22,733,000 | $202,000 | $800,000 | $88,000 | $1,078,000 |
| Application Withdrawn By Applicant | 98 | $23,463,000 | $239,000 | $1,752,000 | $128,000 | $948,000 |
| Application Approved But Not Accepted | 62 | $12,710,000 | $205,000 | $919,000 | $168,000 | $1,269,000 |
| File Closed For Incompleteness | 37 | $10,243,000 | $276,000 | $1,956,000 | $135,000 | $650,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 40 | $7,723,000 | $193,000 | $1,007,000 | $131,000 | $711,000 |
| Debt-To-Income Ratio | 33 | $7,415,000 | $224,000 | $800,000 | $82,000 | $281,000 |
| Credit Application Incomplete | 30 | $4,835,000 | $161,000 | $405,000 | $117,000 | $540,000 |
| Credit History | 21 | $1,223,000 | $58,000 | $171,000 | $41,000 | $106,000 |
| Other | 9 | $981,000 | $109,000 | $250,000 | $112,000 | $360,000 |
| Unverifiable Information | 8 | $661,000 | $82,000 | $175,000 | $76,000 | $229,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $555,000 | $277,000 | $490,000 | $139,000 | $238,000 |
| Employment History | 1 | $314,000 | $314,000 | $314,000 | $320,000 | $320,000 |
| 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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