Baldwin County, GA Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,112 mortgage applications in Baldwin County, GA totaling $177.4 million, up 15% from 2014. The average application was for $159,000, and applicants reported an average income of $71,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was Fairway Independent Mort Corp, with 102 applications, followed by Exchange Bank and Wells Fargo Bank NA.

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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 1,112
Total Mortgage Loan Application Amount $177,419,000
Average Mortgage Loan Application Amount $159,000
Highest Mortgage Loan Application Amount $10,000,000
Average Applicant Income $71,000
Highest Applicant Income $780,000

Mortgage Company List for Lending in Baldwin County, GA for 2015

* 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
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 102 $ 14,697,000
Exchange Bank
PO BOX 580
MILLEDGEVILLE, GA 31059
* $ 225,286,000 93 $ 10,382,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 70 $ 29,013,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 67 $ 12,838,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 54 $ 8,859,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 49 $ 6,598,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 33 $ 1,888,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 31 $ 4,210,000
Magnolia State Bank
130 OAK ST
EASTMAN, GA 31023
* $ 187,419,000 29 $ 3,194,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31093
* $ 1,953,066,000 28 $ 3,797,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 26 $ 1,148,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 21 $ 3,092,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 20 $ 2,204,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 16 $ 1,967,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 16 $ 1,675,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 12 $ 1,941,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 11 $ 1,344,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ 81,511,000 11 $ 1,521,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 11 $ 1,531,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 10 $ 1,953,000
State Bank and Trust Company
4219 FORSYTH ROAD
MACON, GA 31210
* $ 2,880,380,000 10 $ 602,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 10 $ 1,349,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 10 $ 761,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 9 $ 733,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 2,097,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 9 $ 1,445,000
Banksouth
6340 LAKE OCONEE PARKWAY
GREENSBORO, GA 30642
* $ 380,330,000 9 $ 1,497,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 26,777,424,000 9 $ 772,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 9 $ 1,226,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 4,040,577,000 9 $ 1,282,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,488,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,192,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 7 $ 1,164,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 7 $ 999,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 6 $ 685,000
Morris Bank
301 BELLEVUE AVENUE
DUBLIN, GA 31021
* $ 503,858,000 6 $ 907,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 6 $ 1,152,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 3,083,087,000 6 $ 1,223,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 6 $ 1,061,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 6 $ 1,192,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 5 $ 936,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 842,864,000 5 $ 1,070,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 764,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 516,959,000 4 $ 667,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 472,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 4 $ 465,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 4 $ 383,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 4 $ 439,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 4 $ 845,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 605,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 343,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 4 $ 563,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,607,137,000 4 $ 765,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 3 $ 310,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 3 $ 297,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 569,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 3 $ 448,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 423,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 3 $ 817,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,663,901,000 3 $ 295,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 3 $ 285,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 3 $ 216,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 15,675,477,000 3 $ 149,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 565,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 205,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 254,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 2 $ 259,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 394,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 2 $ 350,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 2 $ 210,000
Greenbox Loans
3250 WILSHIRE BLVD., SUITE 1900
LOS ANGELES, CA 90010
* $ 5,178,038,000 2 $ 360,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 2 $ 409,000
The National Bank of Georgia
2234 WEST BROAD STREET
ATHENS, GA 30606
* $ 361,642,000 2 $ 590,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,106,057,000 2 $ 305,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 596,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 370,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 358,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 438,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 346,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 2 $ 366,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 499,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 2 $ 412,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ 1,486,000,000 1 $ 184,000
Oconee State Bank
P.O. BOX 205
WATKINSVILLE, GA 30677
* $ 282,706,000 1 $ 180,000
American Pride Bank
4740 LOG CABIN DRIVE
MACON, GA 31204
* $ 121,104,000 1 $ 2,500,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 5,785,742,000 1 $ 184,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 1,487,121,000 1 $ 127,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 90,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 72,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 1 $ 108,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 5,785,742,000 1 $ 123,000
Altabank
33 E MAIN
AMERICAN FORK, UT 84003
* $ 1,079,951,000 1 $ 180,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 1 $ 131,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 176,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ 10,000,000 1 $ 163,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 65,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 127,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ 440,819,000 1 $ 113,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 1 $ 98,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 75,000
Bank of Madison
133 N MAIN ST
MADISON, GA 30650
* $ 201,194,000 1 $ 169,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 157,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 72,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 45,240,000 1 $ 36,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 150,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 184,000
The Commercial Bank
102 N. CHURCH STREET
CRAWFORD, GA 30630
* $ 118,150,000 1 $ 276,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 997,728,000 1 $ 80,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 179,000
First Madison Bank & Trust
780 HIGHWAY 29 NORTH
ATHENS, GA 30601
* $ 167,923,000 1 $ 1,175,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 124,628,000 1 $ 192,000
Private Bank of Buckhead
3565 PIEDMONT ROAD, BLDG 3, STE 210
ATLANTA, GA 30305
* $ 245,738,000 1 $ 86,000
BNC National Bank

BISMARCK, ND 58501
* $ 933,532,000 1 $ 441,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 129,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 246,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ 5,479,000 1 $ 150,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ 216,152,000 1 $ 257,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ 3,711,533,000 1 $ 267,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 1,807,705,000 1 $ 280,000
South Georgia Bank
401 S. VETERANS BLVD.
GLENNVILLE, GA 30427
* $ 129,881,000 1 $ 279,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 180,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 80,000
Cgr Credit Union
2040 INGLESIDE AVENUE
MACON, GA 31204
* $ 74,244,000 1 $ 200,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,038,646,000 1 $ 60,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 1,828,682,000 1 $ 50,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 668,685,000 1 $ 60,000
First National Bank of Griffin
318 S. HILL STREET GRIFFIN
GRIFFIN, GA 30224
* $ 239,540,000 1 $ 175,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 163,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 149,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 1 $ 168,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 1 $ 374,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 136,279,317,000 1 $ 60,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 81,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 236,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 175,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 36,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ 10,000,000 1 $ 128,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 171,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 98,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 152,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 1 $ 226,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 1 $ 99,000
Southcrest Bank
1475 PEACHTREE ST SUITE 200
ATLANTA, GA 30309
* $ 561,644,000 1 $ 149,000
Bank of Dudley
200 W JACKSON ST
DUBLIN, GA 31021
* $ 194,222,000 1 $ 81,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 7,827,707,000 1 $ 416,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 256,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 116,000

The tables below break down 2015 mortgage applications in Baldwin County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Baldwin County, GA in 2015

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 562 $86,586,000 $154,000 $2,500,000 $66,000 $780,000
Home Purchase 472 $68,550,000 $145,000 $693,000 $77,000 $666,000
Home Improvement 78 $22,283,000 $285,000 $10,000,000 $69,000 $720,000

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 662 $98,384,000 $148,000 $693,000 $84,000 $780,000
Black or African American 232 $24,258,000 $104,000 $363,000 $55,000 $720,000
Not Provided 92 $12,492,000 $135,000 $441,000 $79,000 $713,000
Not applicable 88 $36,341,000 $412,000 $10,000,000 $2,000 $140,000
Hispanic 16 $2,567,000 $160,000 $351,000 $98,000 $207,000
Asian 12 $1,937,000 $161,000 $261,000 $59,000 $114,000
American Indian or Alaskan Native 10 $1,440,000 $144,000 $290,000 $81,000 $253,000
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) 753 $127,978,000 $169,000 $10,000,000 $85,000 $780,000
FHA-insured (Federal Housing Administration) 237 $28,997,000 $122,000 $300,000 $36,000 $205,000
VA-guaranteed (Veterans Administration) 88 $15,922,000 $180,000 $441,000 $61,000 $294,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $4,522,000 $133,000 $259,000 $33,000 $82,000

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 558 $88,500,000 $158,000 $2,500,000 $83,000 $720,000
Application Denied By Financial Institution 276 $34,892,000 $126,000 $824,000 $67,000 $780,000
Application Withdrawn By Applicant 116 $33,284,000 $286,000 $10,000,000 $60,000 $245,000
Loan Purchased By The Institution 84 $11,379,000 $135,000 $455,000 $21,000 $213,000
File Closed For Incompleteness 51 $5,135,000 $100,000 $242,000 $59,000 $236,000
Application Approved But Not Accepted 27 $4,229,000 $156,000 $394,000 $81,000 $205,000
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
Credit History 40 $3,376,000 $84,000 $356,000 $65,000 $336,000
Debt-To-Income Ratio 34 $4,138,000 $121,000 $408,000 $64,000 $250,000
Collateral 25 $2,723,000 $108,000 $351,000 $74,000 $238,000
Credit Application Incomplete 21 $3,203,000 $152,000 $352,000 $73,000 $182,000
Other 13 $3,145,000 $241,000 $824,000 $58,000 $138,000
Unverifiable Information 6 $1,139,000 $189,000 $363,000 $41,000 $74,000
Employment History 2 $63,000 $31,000 $58,000 $61,000 $77,000
Mortgage Insurance Denied 2 $275,000 $137,000 $161,000 $39,000 $41,000
Insufficient Cash (Downpayment, Closing Cost) 1 $308,000 $308,000 $308,000 $666,000 $666,000

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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