Beckley, WV Metro Area Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 3,913 mortgage applications in Beckley, WV metro area totaling $518.9 million, up 21% from 2019. The average application was for $132,600, and applicants reported an average income of $83,066. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was City National Bank of Wv, with 542 applications, followed by Truist Bank and Movement Mortgage, LLC.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 3,913
Total Mortgage Loan Application Amount $518,865,000
Average Mortgage Loan Application Amount $132,600
Highest Mortgage Loan Application Amount $1,345,000
Average Applicant Income $83,066
Highest Applicant Income $3,503,000

Mortgage Company List for Lending in Beckley, WV for 2020

* 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
* $ 4,956,190,000 542 $ 54,580,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 259 $ 36,365,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 255 $ 34,375,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 238 $ 18,230,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 222 $ 34,380,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 150 $ 24,540,000
Fayette County National Bank
PO BOX 209
FAYETTEVILLE, WV 25840
* $ 91,840,000 137 $ 13,235,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 133 $ 17,785,000
United Bank VA

MORGANTOWN, WV 26505
* $ 19,644,548,000 109 $ 15,125,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 108 $ 13,570,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 2,401,941,000 93 $ 15,495,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 85 $ 11,875,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 78 $ 12,300,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 76 $ 6,050,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 76 $ 13,390,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 301,427,000 64 $ 8,100,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 63 $ 11,145,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 62 $ 10,360,000
Pendleton Community Bank
128 N MAIN ST
FRANKLIN, WV 26807
* $ 442,153,000 60 $ 4,460,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 37 $ 2,145,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 33 $ 5,465,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 33 $ 4,155,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 29 $ 4,995,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 29 $ 3,865,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 25 $ 3,865,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 157,540,000 24 $ 3,660,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 1,680,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 1,221,060,000 19 $ 2,465,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 18 $ 3,670,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 18 $ 2,820,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 17 $ 2,535,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 16 $ 1,960,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 16 $ 1,770,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 1,970,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 14 $ 2,700,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 13 $ 1,785,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 13 $ 1,725,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 12 $ 1,090,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 12 $ 1,830,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 11 $ 385,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 10 $ 1,900,000
Pioneer Appalachia Federal Credit Union
1316 KANAWHA BLVD., E.
CHARLESTON, WV 25301
* $ 183,419,000 10 $ 1,350,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 9 $ 875,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 9 $ 1,805,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 9 $ 1,745,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 2,305,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 8 $ 940,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 8 $ 1,280,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 8 $ 1,320,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 7 $ 1,195,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 7 $ 945,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 1,065,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 7 $ 1,285,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 1,125,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 7 $ 1,315,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 1,145,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,015,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,120,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 6 $ 620,000
Clay County Bank
PO BOX 239
CLAY, WV 25125
* $ 94,197,000 6 $ 570,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 6 $ 340,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 292,682,000 6 $ 1,100,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 6 $ 920,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 5 $ 1,545,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 5 $ 955,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 5 $ 355,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 5 $ 665,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 5 $ 675,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 5 $ 1,185,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 5 $ 945,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 685,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 4 $ 740,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 4 $ 350,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 510,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 377,146,000 4 $ 480,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 4 $ 400,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 3 $ 425,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 3 $ 415,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 3 $ 515,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 915,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 415,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 235,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 475,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 3 $ 335,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 465,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 2 $ 240,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ 534,265,000 2 $ 690,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 390,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,424,675,000 2 $ 120,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 2 $ 410,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 2 $ 440,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 648,623,000 2 $ 300,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 460,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 460,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 2 $ 50,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 2 $ 150,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 2 $ 270,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,924,103,000 2 $ 600,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 280,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 2 $ 410,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 2 $ 440,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 65,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 195,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 15,674,361,000 1 $ 125,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 145,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 115,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 255,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 85,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 305,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 195,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 345,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,165,396,000 1 $ 215,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 2,675,632,000 1 $ 25,000
National Bank of Blacksburg
P.O. BOX 90002
BLACKSBURG, VA 24060
* $ 1,318,594,000 1 $ 45,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 17,516,056,000 1 $ 75,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 205,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 1 $ 55,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 1,111,391,000 1 $ 65,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 1 $ 635,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 215,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 135,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 775,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 85,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 2,711,723,000 1 $ 45,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 175,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 125,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 1 $ 285,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
Malvern Bank N.A.
42 E LANCASTER AVE
PAOLI, PA 19301
* $ 1,257,391,000 1 $ 755,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 1 $ 85,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 175,000
The State Credit Union
2200 WASHINGTON STREET, EAST,
CHARLESTON, WV 25311
* $ 70,080,000 1 $ 55,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 145,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 175,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 1 $ 205,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 125,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 305,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 115,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,598,362,000 1 $ 175,000
Inwood National Bank
7621 INWOOD RD
DALLAS, TX 75209
* $ 3,038,098,000 1 $ 305,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,060,114,000 1 $ 185,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ 250,630,000 1 $ 85,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 139,109,000 1 $ 105,000
Incrediblebank
327 N 17TH AVE
WAUSAU, WI 54401
* $ 1,399,926,000 1 $ 55,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ 2,653,556,000 1 $ 35,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 145,000
Wv Central Federal Credit Union
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 197,081,000 1 $ 145,000
Visio Financial Services Inc.
1905 KRAMER LN B700
WILMINGTON, DE 78758
* $ -1,000 1 $ 205,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 235,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 35,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 115,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 185,000

The tables below break down 2020 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 2020

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 1,745 $230,215,000 $131,000 $995,000 $78,000 $1,906,000
Refinancing 1,291 $195,165,000 $151,000 $1,345,000 $91,000 $3,503,000
Cash-out Refinancing 403 $60,915,000 $151,000 $495,000 $90,000 $1,066,000
Home Improvement 216 $12,230,000 $56,000 $335,000 $74,000 $556,000
Other Purpose 177 $12,185,000 $68,000 $505,000 $83,000 $625,000
Not Applicable 81 $8,155,000 $100,000 $265,000 $57,000 $57,000

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 3,031 $395,785,000 $130,000 $1,345,000 $83,000 $3,503,000
Not Provided 455 $64,995,000 $142,000 $495,000 $82,000 $513,000
Not applicable 240 $33,570,000 $139,000 $815,000 $102,000 $549,000
Black or African American 103 $10,985,000 $106,000 $505,000 $63,000 $384,000
Asian 28 $5,040,000 $180,000 $495,000 $132,000 $592,000
Hispanic 23 $3,945,000 $171,000 $435,000 $145,000 $549,000
American Indian or Alaskan Native 21 $2,245,000 $106,000 $325,000 $55,000 $187,000
Native Hawaiian or Other Pacific Islander 6 $1,320,000 $220,000 $535,000 $175,000 $545,000

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) 2,798 $359,340,000 $128,000 $1,345,000 $90,000 $3,503,000
FHA-insured (Federal Housing Administration) 442 $54,090,000 $122,000 $335,000 $57,000 $231,000
VA-guaranteed (Veterans Administration) 442 $80,340,000 $181,000 $675,000 $74,000 $333,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 231 $25,095,000 $108,000 $285,000 $43,000 $95,000

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 2,110 $300,490,000 $142,000 $1,345,000 $88,000 $1,906,000
Application Denied By Financial Institution 752 $77,700,000 $103,000 $775,000 $62,000 $592,000
Application Withdrawn By Applicant 348 $51,770,000 $148,000 $665,000 $105,000 $3,503,000
File Closed For Incompleteness 274 $31,130,000 $113,000 $465,000 $72,000 $491,000
Loan Purchased By The Institution 254 $37,500,000 $147,000 $665,000 $105,000 $549,000
Application Approved But Not Accepted 174 $20,130,000 $115,000 $505,000 $76,000 $587,000
Preapproval Denied by Financial Institution 1 $145,000 $145,000 $145,000 $30,000 $30,000
Preapproval Approved but not Accepted 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
Not applicable 3,075 $430,665,000 $140,000 $1,345,000 $88,000 $3,503,000
Credit History 301 $25,425,000 $84,000 $775,000 $62,000 $468,000
Debt-To-Income Ratio 276 $32,140,000 $116,000 $455,000 $68,000 $1,015,000
Collateral 97 $11,555,000 $119,000 $655,000 $81,000 $592,000
Credit Application Incomplete 52 $6,710,000 $129,000 $305,000 $66,000 $123,000
Unverifiable Information 50 $4,400,000 $88,000 $205,000 $50,000 $125,000
Other 33 $3,985,000 $120,000 $755,000 $75,000 $264,000
Employment History 15 $1,825,000 $121,000 $235,000 $73,000 $240,000
Insufficient Cash (Downpayment, Closing Cost) 14 $2,160,000 $154,000 $305,000 $72,000 $141,000
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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