Barry County, MO Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,081 mortgage applications in Barry County, MO totaling $173.1 million, down 27% from 2022. The average application was for $160,000, and applicants reported an average income of $93,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was Freedom Bank of Southern Missouri, with 130 applications, followed by Arvest Bank and Flat Branch Mortgage, Inc..

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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 1,081
Total Mortgage Loan Application Amount $173,145,000
Average Mortgage Loan Application Amount $160,000
Highest Mortgage Loan Application Amount $1,035,000
Average Applicant Income $93,000
Highest Applicant Income $1,666,000

Mortgage Company List for Lending in Barry County, MO for 2023

* 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
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ 574,033,000 130 $ 18,730,000
Arvest Bank

TULSA, OK 74103
* $ 26,441,420,000 110 $ 13,320,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 50 $ 8,700,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 41 $ 4,875,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 37 $ 7,505,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 34 $ 5,670,000
Cs Bank
PO BOX 309, 152 EAST VAN BUREN
EUREKA SPRINGS, AR 72632
* $ 504,000,000 32 $ 6,040,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 27 $ 3,955,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 31,679,817,000 26 $ 2,580,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 22 $ 4,410,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 22 $ 4,600,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 21 $ 3,805,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 20 $ 1,890,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 17 $ 3,295,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 38,279,055,000 17 $ 1,435,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 15 $ 2,075,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 2,055,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 2,070,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 12 $ 710,000
Guaranty Bank

ANKENY, IA 50023
* $ 2,148,808,000 12 $ 1,810,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,250,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 10 $ 1,450,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 2,335,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 8 $ 970,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 1,180,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,684,000,000 8 $ 1,180,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 7 $ 775,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,145,000
Peoples Community Bank
PO BOX 350
GREENVILLE, MO 63944
* $ 650,597,000 7 $ 995,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 6 $ 810,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 570,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 6 $ 1,630,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,360,000
Community Bank and Trust
100 SOUTH WOOD ST
NEOSHO, MO 64850
* $ 405,161,000 6 $ 950,000
Southwest Missouri Bank
300 WEST THIRD STREET
CARTHAGE, MO 64836
* $ 1,087,807,000 6 $ 1,150,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 6 $ 900,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,010,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 5 $ 865,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 485,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 27,409,758,000 5 $ 575,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 2,022,239,000 5 $ 1,355,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 4 $ 520,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 22,808,174,000 4 $ 720,000
Telcomm Credit Union
2155 E SUNSHINE
SPRINGFIELD, MO 65804
* $ 273,963,000 4 $ 770,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 4 $ 810,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ 2,427,913,000 4 $ 940,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 4 $ 590,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 4 $ 1,180,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 4 $ 770,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 4 $ 530,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 4,976,744,000 4 $ 460,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 3,423,751,000 4 $ 340,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 4 $ 820,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 1,020,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 4 $ 1,040,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 225,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 305,928,000 3 $ 365,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 3 $ 495,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 765,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 3 $ 275,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 3 $ 635,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 3 $ 755,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 3 $ 545,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 575,000
Bank of 1889
PO 367
BERRYVILLE, AR 72616
* $ 296,085,000 3 $ 315,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 585,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 3 $ 605,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 3 $ 645,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 475,000
Peoples Bank and Trust Co
101 S MAIN ST
MCPHERSON, KS 67460
* $ 1,014,460,000 3 $ 1,085,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 3 $ 475,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 3 $ 595,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ 1,188,472,000 3 $ 705,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 310,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 2 $ 170,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 2 $ 190,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 330,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 350,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 430,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,950,802,000 2 $ 650,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 180,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 170,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 190,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 490,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 2 $ 200,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 2 $ 720,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 710,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 310,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 8,876,888,000 2 $ 250,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 48,668,073,000 2 $ 330,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 2,796,291,000 2 $ 870,000
Mainstreet Federal Credit Union
13001 W 95TH STREET
LENEXA, KS 66215
* $ 632,735,000 2 $ 600,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 302,299,000 2 $ 360,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,913,413,000 2 $ 410,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 220,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 2 $ 550,000
The Seymour Bank
119 N MAIN
SEYMOUR, MO 65746
* $ 218,674,000 2 $ 120,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 2 $ 550,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 410,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 275,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 155,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 585,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 75,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ -1,000 1 $ 255,000
Independent Bank
5050 POPLAR AVENUE STE 2100
MEMPHIS, TN 38157
* $ 1,312,940,000 1 $ 115,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 1,093,825,000 1 $ 25,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 1 $ 45,000
Community Bank
601 IOWA AVE., PO BOX 145
DUNLAP, IA 51529
* $ 122,907,000 1 $ 115,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 95,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 903,544,000 1 $ 15,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ -1,000 1 $ 165,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 7,454,262,000 1 $ 315,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 4,700,520,000 1 $ 255,000
City National Bank of Florida
25 WEST FLAGLER STREET
MIAMI, FL 33131
* $ 25,260,713,000 1 $ 155,000
Firstar Bank
1720 E CHEROKEE AVE
SALLISAW, OK 74955
* $ 920,605,000 1 $ 155,000
Stryv Bank
3813 N WOODLAWN BLVD
WICHITA, KS 67219
* $ 183,771,000 1 $ 405,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 1,498,800,000 1 $ 605,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 95,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 405,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 365,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 245,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 135,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 47,596,192,000 1 $ 45,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ 2,199,145,000 1 $ 65,000
Htlf Bank
1800 LARIMER ST #1800
DENVER, CO 80202
* $ 9,178,296,000 1 $ 325,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 384,036,000 1 $ 105,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ 1,812,858,000 1 $ 405,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 902,427,000 1 $ 225,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 245,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 135,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 95,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 21,228,609,000 1 $ 65,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ 191,185,000 1 $ 285,000
Farm Credit Services of Western Arkansas
3115 WEST SECOND COURT
RUSSELLVILLE, AR 72802
* $ -1,000 1 $ 165,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 205,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 647,283,000 1 $ 165,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 105,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 465,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 195,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 598,172,000 1 $ 105,000
Ozark Bank
PO BOX 220
OZARK, MO 65721
* $ 387,680,000 1 $ 85,000
First National Bank of Fort Smith
602 GARRISON AVE
FORT SMITH, AR 72901
* $ 2,203,969,000 1 $ 225,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 155,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 1,208,524,000 1 $ 75,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 1 $ 145,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 155,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 369,076,000 1 $ 175,000
The Nodaway Valley Bank
P. O. BOX 7315, 402 N. BELT HWY
MARYVILLE, MO 64468
* $ 1,332,650,000 1 $ 295,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 1,436,326,000 1 $ 205,000
Conservation Emp Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65109
* $ 153,622,000 1 $ 135,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ -1,000 1 $ 385,000

The tables below break down 2023 mortgage applications in Barry 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 Barry County, MO in 2023

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 $114,550,000 $187,000 $1,035,000 $93,000 $998,000
Cash-out Refinancing 169 $29,445,000 $174,000 $565,000 $85,000 $610,000
Refinancing 123 $16,165,000 $131,000 $515,000 $133,000 $1,666,000
Other Purpose 96 $7,310,000 $76,000 $415,000 $73,000 $203,000
Home Improvement 80 $5,220,000 $65,000 $255,000 $80,000 $449,000
Not Applicable 1 $455,000 $455,000 $455,000 $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 751 $116,735,000 $155,000 $725,000 $98,000 $1,666,000
Not applicable 128 $24,880,000 $194,000 $1,035,000 $77,000 $128,000
Not Provided 87 $15,665,000 $180,000 $505,000 $88,000 $385,000
Hispanic 74 $9,250,000 $125,000 $305,000 $66,000 $217,000
American Indian or Alaskan Native 21 $3,245,000 $154,000 $335,000 $75,000 $132,000
Asian 15 $2,875,000 $191,000 $405,000 $76,000 $225,000
Black or African American 3 $325,000 $108,000 $125,000 $68,000 $72,000
Native Hawaiian or Other Pacific Islander 1 $125,000 $125,000 $125,000 $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) 770 $114,850,000 $149,000 $1,035,000 $102,000 $1,666,000
FHA-insured (Federal Housing Administration) 172 $29,580,000 $171,000 $395,000 $68,000 $300,000
VA-guaranteed (Veterans Administration) 88 $20,980,000 $238,000 $535,000 $80,000 $231,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $7,735,000 $151,000 $275,000 $62,000 $113,000

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 584 $98,020,000 $167,000 $1,035,000 $106,000 $1,666,000
Application Denied By Financial Institution 169 $20,755,000 $122,000 $525,000 $66,000 $349,000
Application Withdrawn By Applicant 131 $22,055,000 $168,000 $635,000 $88,000 $822,000
Loan Purchased By The Institution 109 $20,605,000 $189,000 $495,000 $78,000 $163,000
File Closed For Incompleteness 61 $7,495,000 $122,000 $385,000 $71,000 $300,000
Application Approved But Not Accepted 25 $3,665,000 $146,000 $395,000 $77,000 $156,000
Preapproval Approved but not Accepted 1 $305,000 $305,000 $305,000 $610,000 $610,000
Preapproval Denied by Financial Institution 1 $245,000 $245,000 $245,000 $31,000 $31,000

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 740 $125,030,000 $168,000 $725,000 $102,000 $1,666,000
Debt-To-Income Ratio 231 $35,155,000 $152,000 $1,035,000 $78,000 $377,000
Credit History 47 $4,145,000 $88,000 $335,000 $72,000 $173,000
Collateral 19 $3,295,000 $173,000 $525,000 $95,000 $349,000
Unverifiable Information 15 $1,725,000 $115,000 $195,000 $55,000 $92,000
Other 12 $1,810,000 $150,000 $505,000 $66,000 $144,000
Credit Application Incomplete 11 $1,285,000 $116,000 $325,000 $65,000 $171,000
Employment History 3 $275,000 $91,000 $155,000 $102,000 $140,000
Insufficient Cash (Downpayment, Closing Cost) 3 $425,000 $141,000 $145,000 $51,000 $60,000
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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