Beckley, WV Metro Area Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 3,538 mortgage applications in Beckley, WV metro area totaling $346.5 million. The average application was for $97,944, and applicants reported an average income of $63,000. 53% of applications resulted in an originated loan and 26% were denied. The most active lender was City National Bank of Wv, with 536 applications, followed by Pioneer Community Bank, Inc. and Vanderbilt Mortgage and Finance, Inc.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 3,538 |
| Total Mortgage Loan Application Amount | $346,526,000 |
| Average Mortgage Loan Application Amount | $97,944 |
| Highest Mortgage Loan Application Amount | $4,813,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $2,122,000 |
* 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 |
|---|---|---|---|---|
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,347,202,000 | 536 | $ 45,660,000 |
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 119,422,000 | 225 | $ 15,146,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 212 | $ 12,379,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,081,543,000 | 209 | $ 22,483,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 205 | $ 26,094,000 |
| Fayette County National Bank PO BOX 209 FAYETTEVILLE, WV 25840 |
* | $ 87,531,000 | 193 | $ 12,020,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 191 | $ 21,276,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 154 | $ 12,576,000 |
| Bank of Mount Hope, Inc. 602 MAIN STREET MOUNT HOPE, WV 25880 |
* | $ 124,338,000 | 126 | $ 4,195,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 119 | $ 13,956,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,575,113,000 | 91 | $ 12,264,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 81 | $ 9,844,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 74 | $ 9,271,000 |
| Whitesville State Bank 38609 COAL RIVER ROAD WHITESVILLE, WV 25209 |
* | $ 83,133,000 | 74 | $ 6,363,000 |
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 303,440,000 | 59 | $ 6,966,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 41 | $ 4,600,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 41 | $ 2,540,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 39 | $ 5,179,000 |
| First Century Bank, Inc. P.O. BOX 1559, 500 FEDERAL STREET BLUEFIELD, WV 24701 |
* | $ 412,191,000 | 36 | $ 3,250,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 32 | $ 3,433,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 23 | $ 3,375,000 |
| First Peoples Bank, Inc. 200 FIRST STREET MULLENS, WV 25882 |
* | $ 120,448,000 | 22 | $ 2,185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 22 | $ 2,865,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 21 | $ 2,139,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 20 | $ 1,911,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 20 | $ 2,011,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 19 | $ 1,983,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 19 | $ 2,705,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 19 | $ 2,508,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 18 | $ 1,683,000 |
| Pioneer Appalachia Federal Credit Union 1316 KANAWHA BLVD., E. CHARLESTON, WV 25301 |
* | $ 171,895,000 | 18 | $ 1,355,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 17 | $ 1,465,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 15 | $ 1,388,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 15 | $ 1,707,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 14 | $ 2,160,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 12 | $ 1,497,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 12 | $ 1,523,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 12 | $ 1,096,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 12 | $ 1,340,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 162,467,000 | 11 | $ 1,443,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 11 | $ 1,759,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 10 | $ 1,005,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 10 | $ 737,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 10 | $ 1,389,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 9 | $ 130,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 8 | $ 556,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 8 | $ 802,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 8 | $ 854,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 8 | $ 796,000 |
| The State Credit Union 2200 WASHINGTON STREET, EAST, CHARLESTON, WV 25311 |
* | $ 56,980,000 | 8 | $ 537,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 7 | $ 501,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 7 | $ 738,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 7 | $ 408,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 7 | $ 1,647,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 7 | $ 464,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 1,378,967,000 | 7 | $ 374,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 6 | $ 765,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 5 | $ 1,051,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 5 | $ 505,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 406,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 5 | $ 339,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 746,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 5 | $ 387,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 78,456,000 | 4 | $ 194,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 4 | $ 267,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 4 | $ 914,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 4 | $ 597,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 3 | $ 358,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 294,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 830,298,000 | 3 | $ 334,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 370,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 489,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 499,849,000 | 3 | $ 292,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 2 | $ 280,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 262,233,000 | 2 | $ 112,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 2 | $ 180,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 185,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 174,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 2 | $ 337,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 2 | $ 29,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 164,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 131,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 2 | $ 60,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 2 | $ 222,000 |
| Camc Federal Credit Union 3400 MACCORKLE AVENUE SE CHARLESTON, WV 25304 |
* | $ 58,895,000 | 2 | $ 186,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 118,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 338,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 211,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 846,686,000 | 2 | $ 457,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 2 | $ 977,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 370,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 2 | $ 143,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 40,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 296,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 176,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 672,943,000 | 1 | $ 54,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 744,628,000 | 1 | $ 1,011,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 271,569,000 | 1 | $ 55,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 85,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 8,122,963,000 | 1 | $ 44,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 198,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,138,548,000 | 1 | $ 10,000 |
| Sea Air PO BOX 2648 SEAL BEACH, CA 90740 |
* | $ 146,831,000 | 1 | $ 110,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 729,703,000 | 1 | $ 73,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 35,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 212,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 238,000 |
| Peoples Federal Credit Union 419 FIRST AVENUE SOUTH NITRO, WV 25143 |
* | $ 89,494,000 | 1 | $ 59,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 160,684,000 | 1 | $ 143,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 1,053,750,000 | 1 | $ 69,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 1 | $ 168,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 55,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 1 | $ 56,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Lument Real Estate Capital 10 W BROAD STREET, 8TH FLOOR COLUMBUS, OH 43215 |
* | $ 10,000,000 | 1 | $ 4,813,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 364,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 51,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,664,450,000 | 1 | $ 120,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 912,884,000 | 1 | $ 200,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 5,417,382,000 | 1 | $ 760,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 2,054,173,000 | 1 | $ 272,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 154,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 121,123,000 | 1 | $ 79,000 |
| First Bank of Charleston, Inc. 201 PENNSYLVANIA AVE CHARLESTON, WV 25302 |
* | $ 206,219,000 | 1 | $ 90,000 |
| Toyota Financial Savings Bank 2485 VILLAGE VIEW DRIVE, SUITE 200 HENDERSON, NV 89074 |
* | $ 928,805,000 | 1 | $ 418,000 |
| Trust Company Bank 766 S WHITE STATION RD SUITE 5 MEMPHIS, TN 38117 |
* | $ 32,060,000 | 1 | $ 71,000 |
The tables below break down 2014 mortgage applications in Beckley, WV metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beckley, WV in 2014
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 | 1,658 | $181,696,000 | $109,000 | $4,813,000 | $63,000 | $673,000 |
| Refinancing | 1,267 | $139,311,000 | $109,000 | $1,732,000 | $65,000 | $2,122,000 |
| Home Improvement | 613 | $25,519,000 | $41,000 | $760,000 | $57,000 | $668,000 |
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 | 2,978 | $278,328,000 | $93,000 | $1,732,000 | $65,000 | $2,122,000 |
| Not Provided | 211 | $26,499,000 | $125,000 | $1,011,000 | $74,000 | $800,000 |
| Not applicable | 185 | $27,279,000 | $147,000 | $4,813,000 | $13,000 | $160,000 |
| Black or African American | 102 | $7,134,000 | $69,000 | $750,000 | $52,000 | $668,000 |
| Asian | 23 | $3,880,000 | $168,000 | $657,000 | $118,000 | $497,000 |
| American Indian or Alaskan Native | 18 | $1,649,000 | $91,000 | $257,000 | $64,000 | $208,000 |
| Hispanic | 14 | $1,046,000 | $74,000 | $128,000 | $51,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $711,000 | $101,000 | $217,000 | $64,000 | $200,000 |
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) | 2,730 | $250,194,000 | $91,000 | $1,732,000 | $67,000 | $2,122,000 |
| FHA-insured (Federal Housing Administration) | 398 | $45,307,000 | $113,000 | $4,813,000 | $46,000 | $320,000 |
| VA-guaranteed (Veterans Administration) | 276 | $38,607,000 | $139,000 | $476,000 | $53,000 | $279,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $12,418,000 | $92,000 | $216,000 | $33,000 | $74,000 |
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 | 1,884 | $194,471,000 | $103,000 | $4,813,000 | $69,000 | $2,122,000 |
| Application Denied By Financial Institution | 929 | $79,378,000 | $85,000 | $777,000 | $57,000 | $892,000 |
| Application Withdrawn By Applicant | 237 | $27,434,000 | $115,000 | $760,000 | $65,000 | $744,000 |
| Application Approved But Not Accepted | 223 | $16,037,000 | $71,000 | $289,000 | $57,000 | $425,000 |
| Loan Purchased By The Institution | 194 | $21,425,000 | $110,000 | $417,000 | $28,000 | $303,000 |
| File Closed For Incompleteness | 71 | $7,781,000 | $109,000 | $360,000 | $75,000 | $800,000 |
| 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 | 336 | $19,307,000 | $57,000 | $657,000 | $56,000 | $892,000 |
| Debt-To-Income Ratio | 161 | $15,534,000 | $96,000 | $750,000 | $48,000 | $668,000 |
| Collateral | 94 | $11,555,000 | $122,000 | $540,000 | $85,000 | $653,000 |
| Credit Application Incomplete | 68 | $7,729,000 | $113,000 | $304,000 | $63,000 | $146,000 |
| Other | 25 | $2,311,000 | $92,000 | $332,000 | $58,000 | $232,000 |
| Employment History | 12 | $334,000 | $27,000 | $77,000 | $35,000 | $60,000 |
| Unverifiable Information | 10 | $1,108,000 | $110,000 | $417,000 | $78,000 | $279,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $863,000 | $107,000 | $209,000 | $50,000 | $132,000 |
| 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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