Baxter County, AR Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,900 mortgage applications in Baxter County, AR totaling $230.7 million, up 7% from 2015. The average application was for $121,000, and applicants reported an average income of $63,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Arvest Bank, with 173 applications, followed by First Security Bank and Freedom Mortgage Corporation.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Arkansas.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,900
Total Mortgage Loan Application Amount $230,690,000
Average Mortgage Loan Application Amount $121,000
Highest Mortgage Loan Application Amount $2,014,000
Average Applicant Income $63,000
Highest Applicant Income $1,042,000

Mortgage Company List for Lending in Baxter County, AR for 2016

* 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
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 173 $ 15,728,000
First Security Bank
PO BOX 938
CONWAY, AR 72033
* $ 4,903,891,000 169 $ 19,091,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 143 $ 19,397,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 138 $ 18,498,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 136 $ 12,887,000
Integrity First Bank, National Association
502 S HICKORY ST
MOUNTAIN HOME, AR 72653
* $ 431,724,000 117 $ 14,186,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 94 $ 11,907,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 84 $ 11,360,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,358,315,000 62 $ 6,317,000
Bear State Bank
5315 HIGHLAND DRIVE
LITTLE ROCK, AR 72223
* $ 1,461,020,000 54 $ 5,795,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ 1,046,238,000 47 $ 6,840,000
Bank of the Ozarks
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 9,870,373,000 36 $ 3,211,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 28 $ 4,027,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 28 $ 5,271,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 26 $ 2,701,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 22 $ 2,809,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 9,264,881,000 21 $ 2,367,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 19 $ 1,668,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 19 $ 2,457,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,565,602,000 19 $ 3,063,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 17 $ 2,372,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 17 $ 1,931,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 15 $ 1,851,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 15 $ 1,692,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 14 $ 1,447,000
First National Bank
PO BOX 700
PARAGOULD, AR 72451
* $ 1,011,891,000 12 $ 4,279,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 11 $ 1,128,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 11 $ 1,675,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 11 $ 545,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 7,515,756,000 9 $ 651,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 9 $ 1,514,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 9 $ 1,261,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 8 $ 619,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 8 $ 992,000
Focus Bank
PO BOX 99
CHARLESTON, MO 63834
* $ 722,830,000 8 $ 1,011,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 6 $ 622,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ 12,837,000 6 $ 597,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,358,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 695,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 5 $ 595,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 5 $ 820,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 5 $ 741,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 643,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 4 $ 1,052,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,233,064,000 4 $ 439,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 4 $ 461,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 19,425,339,000 4 $ 761,000
First Service Bank
PO BOX 190
GREENBRIER, AR 72058
* $ 264,095,000 4 $ 190,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 4 $ 303,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 3 $ 541,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 3 $ 126,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,790,125,000 3 $ 155,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 3 $ 35,000
Telcoe Federal Credit Union
PO BOX 34200
LITTLE ROCK, AR 72201
* $ 345,242,000 3 $ 193,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 3 $ 179,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 3 $ 272,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 292,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 3 $ 556,000
Unico Bank
625 VETERANS DR
MINERAL POINT, MO 63660
* $ 244,010,000 3 $ 1,100,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 231,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 289,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 165,000
Farmers Bank and Trust Company
400 W. MAIN STREET, P. O. BOX 688
BLYTHEVILLE, AR 72316
* $ 448,378,000 2 $ 245,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 404,000
Bankers Mortgage Center, Inc.
909 NORTH 18TH STREET STE 110
MONROE, LA 71201
* $ 10,000,000 2 $ 399,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 2 $ 824,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 2 $ 300,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 213,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 189,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 246,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 104,121,677,000 2 $ 90,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 392,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 180,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ 1,185,130,000 2 $ 166,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 2 $ 302,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 1,330,996,000 2 $ 132,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,425,731,000 2 $ 307,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 2 $ 291,000
Community First Bank
P.O. BOX 1700
HARRISON, AR 72602
* $ 468,906,000 2 $ 90,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ 205,378,000 2 $ 239,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 2 $ 624,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 2 $ 556,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 2 $ 161,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 93,038,275,000 1 $ 146,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 17,000
First Midwest Bank of Dexter
819 WEST BUSINESS HIGHWAY 60
DEXTER, MO 63841
* $ 327,824,000 1 $ 111,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 1 $ 171,000
Success Credit Union
P.O. BOX 467
BLYTHEVILLE, AR 72316
* $ 105,384,000 1 $ 40,000
Diamond Lakes Federal Credit U
PO BOX 1080
MALVERN, AR 72104
* $ 69,556,000 1 $ 20,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,014,652,000 1 $ 105,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 1 $ 99,000
Iaa Credit Union
808 IAA DRIVE
BLOOMINGTON, IL 61701
* $ 216,111,000 1 $ 200,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 1 $ 109,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 92,000
First Citizens National Bank

NEWARK, OH 43055
* $ 1,271,085,000 1 $ 67,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 1 $ 100,000
The First National Bank of Wynne
P.O. BOX 129, 528 E MERRIMAN AVE
WYNNE, AR 72396
* $ 290,916,000 1 $ 56,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 5,998,925,000 1 $ 70,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 152,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 114,257,000 1 $ 93,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 190,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 104,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 380,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 63,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 1 $ 90,000
One Bank & Trust, National Association
300 W CAPITOL AVE
LITTLE ROCK, AR 72201
* $ 325,945,000 1 $ 117,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 160,000
The Farmers & Merchants Bank
708 S MAIN ST
STUTTGART, AR 72160
* $ 969,614,000 1 $ 45,000
First Delta Bank
214 H PARKER DR
MARKED TREE, AR 72365
* $ 57,287,000 1 $ 135,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 98,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 92,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 105,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ 214,531,000 1 $ 71,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 352,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,097,252,000 1 $ 70,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ 321,852,000 1 $ 19,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 1 $ 42,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 68,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 86,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 25,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 1 $ 398,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ 534,966,000 1 $ 50,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 119,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 134,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 129,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 200,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 80,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 136,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 94,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 79,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 866,511,000 1 $ 194,000
Farmers Bank & Trust
200 E MAIN ST
MAGNOLIA, AR 71753
* $ 1,287,700,000 1 $ 98,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 891,158,000 1 $ 29,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 291,925,000 1 $ 35,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 1 $ 45,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 55,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 92,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 155,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 88,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 98,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 193,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 261,000

The tables below break down 2016 mortgage applications in Baxter County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Baxter County, AR in 2016

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 888 $117,915,000 $132,000 $693,000 $62,000 $815,000
Home Purchase 870 $104,452,000 $120,000 $2,014,000 $63,000 $1,042,000
Home Improvement 142 $8,323,000 $58,000 $600,000 $65,000 $1,042,000

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 1,567 $189,078,000 $120,000 $2,014,000 $70,000 $1,042,000
Not applicable 165 $21,697,000 $131,000 $1,200,000 $3,000 $136,000
Not Provided 127 $15,141,000 $119,000 $417,000 $55,000 $211,000
Hispanic 16 $2,567,000 $160,000 $397,000 $46,000 $92,000
American Indian or Alaskan Native 15 $1,383,000 $92,000 $294,000 $33,000 $70,000
Native Hawaiin or Other Pacific Islander 4 $220,000 $55,000 $82,000 $24,000 $34,000
Asian 3 $355,000 $118,000 $221,000 $55,000 $97,000
Black or African American 3 $249,000 $83,000 $124,000 $54,000 $77,000

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) 1,235 $144,979,000 $117,000 $2,014,000 $76,000 $1,042,000
VA-guaranteed (Veterans Administration) 265 $40,987,000 $154,000 $434,000 $41,000 $222,000
FHA-insured (Federal Housing Administration) 247 $29,132,000 $117,000 $276,000 $40,000 $255,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 153 $15,592,000 $101,000 $296,000 $29,000 $84,000

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 1,046 $130,542,000 $124,000 $2,014,000 $72,000 $1,042,000
Application Denied By Financial Institution 342 $38,584,000 $112,000 $764,000 $57,000 $793,000
Loan Purchased By The Institution 257 $30,798,000 $119,000 $417,000 $36,000 $370,000
Application Withdrawn By Applicant 124 $15,302,000 $123,000 $514,000 $66,000 $1,000,000
File Closed For Incompleteness 66 $8,233,000 $124,000 $380,000 $50,000 $240,000
Application Approved But Not Accepted 65 $7,231,000 $111,000 $339,000 $65,000 $270,000
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 44 $3,439,000 $78,000 $355,000 $52,000 $238,000
Collateral 43 $5,150,000 $119,000 $357,000 $57,000 $173,000
Debt-To-Income Ratio 30 $4,018,000 $133,000 $764,000 $45,000 $176,000
Other 14 $1,786,000 $127,000 $417,000 $65,000 $238,000
Credit Application Incomplete 13 $1,070,000 $82,000 $130,000 $32,000 $110,000
Unverifiable Information 6 $1,014,000 $169,000 $295,000 $43,000 $76,000
Employment History 4 $363,000 $90,000 $155,000 $35,000 $91,000
Insufficient Cash (Downpayment, Closing Cost) 3 $202,000 $67,000 $93,000 $68,000 $150,000
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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