Beltrami County, MN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 972 mortgage applications in Beltrami County, MN totaling $194.3 million, up 14% from 2024. The average application was for $199,000, and applicants reported an average income of $111,000. 61% of applications resulted in an originated loan and 13% were denied. The most active lender was Affinity Plus Federal Credit Union, with 221 applications, followed by Deerwood Bank and National Bank of Commerce.
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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 | 972 |
| Total Mortgage Loan Application Amount | $194,290,000 |
| Average Mortgage Loan Application Amount | $199,000 |
| Highest Mortgage Loan Application Amount | $6,835,000 |
| Average Applicant Income | $111,000 |
| Highest Applicant Income | $809,000 |
* 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 |
|---|---|---|---|---|
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 221 | $ 19,505,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ n/a | 80 | $ 10,630,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ n/a | 52 | $ 11,410,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 42 | $ 7,650,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 30 | $ 9,200,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 25 | $ 6,335,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 24 | $ 6,520,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ n/a | 20 | $ 3,770,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 18 | $ 3,560,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 16 | $ 2,360,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 15 | $ 3,835,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 14 | $ 2,500,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 14 | $ 1,540,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 13 | $ 3,685,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 13 | $ 2,375,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 13 | $ 2,075,000 |
| Kodabank 104 S MAIN ST DRAYTON, ND 58225 |
* | $ n/a | 11 | $ 3,615,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 11 | $ 1,675,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 9 | $ 1,565,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 9 | $ 1,765,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 380,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 8 | $ 2,090,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 7 | $ 3,495,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 2,235,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,985,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 7 | $ 1,265,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 1,310,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,560,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 1,690,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 430,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 6 | $ 1,740,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 6 | $ 1,340,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 5 | $ 615,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 5 | $ 1,865,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 585,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 635,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 865,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 5 | $ 1,035,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 370,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 4 | $ 720,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 4 | $ 970,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ n/a | 4 | $ 2,990,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,590,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 920,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 760,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 1,020,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 4 | $ 580,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ n/a | 4 | $ 590,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 830,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 1,170,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 265,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 1,005,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 975,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 3 | $ 1,105,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 3 | $ 815,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 3 | $ 235,000 |
| First National Bank Bagley PO BOX N, 31 CENTRAL STREET E BAGLEY, MN 56621 |
* | $ n/a | 3 | $ 725,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 3 | $ 605,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 14,375,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 3 | $ 735,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 445,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 3 | $ 305,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 450,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 220,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 2 | $ 260,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 2 | $ 570,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 150,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 2 | $ 830,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ n/a | 2 | $ 560,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ n/a | 2 | $ 230,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 2 | $ 170,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ n/a | 2 | $ 450,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 710,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 2 | $ 1,060,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 520,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 260,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 390,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 150,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 435,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 1 | $ 55,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 205,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 425,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 185,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 1 | $ 455,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 1 | $ 405,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 105,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ n/a | 1 | $ 275,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 345,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 185,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 1 | $ 385,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 165,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 245,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 95,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 855,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 215,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 195,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 265,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 265,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 225,000 |
| St. Cloud Financial Credit Union 3030 1ST ST S SAINT CLOUD, MN 56301 |
* | $ n/a | 1 | $ 35,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 145,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 445,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 205,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 305,000 |
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ n/a | 1 | $ 315,000 |
| Dakota Heritage Bank RED LAKE FALLS, MN 56750 |
* | $ n/a | 1 | $ 85,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 1 | $ 505,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ n/a | 1 | $ 25,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ n/a | 1 | $ 345,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ n/a | 1 | $ 285,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ n/a | 1 | $ 85,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 515,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ n/a | 1 | $ 85,000 |
| First Resource Bank 7449 VILLAGE DRIVE LINO LAKES, MN 55014 |
* | $ n/a | 1 | $ 365,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ n/a | 1 | $ 95,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 1 | $ 605,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 415,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 255,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ n/a | 1 | $ 185,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 445,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ n/a | 1 | $ 155,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 1 | $ 575,000 |
| Bonanza Valley State Bank PO BOX 400 147 CENTRAL AVE S BROOTEN, MN 56316 |
* | $ n/a | 1 | $ 225,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 95,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 575,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ n/a | 1 | $ 105,000 |
| Liberty Bank Minnesota 111 7TH AVE S ST CLOUD, MN 56301 |
* | $ n/a | 1 | $ 325,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 145,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ n/a | 1 | $ 155,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ n/a | 1 | $ 15,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ n/a | 1 | $ 85,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 225,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 545,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 1 | $ 515,000 |
The tables below break down 2025 mortgage applications in Beltrami County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Beltrami County, MN in 2025
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 | 395 | $98,575,000 | $249,000 | $2,345,000 | $116,000 | $809,000 |
| Refinancing | 151 | $34,445,000 | $228,000 | $1,585,000 | $98,000 | $504,000 |
| Cash-out Refinancing | 149 | $42,795,000 | $287,000 | $6,835,000 | $100,000 | $600,000 |
| Home Improvement | 142 | $8,880,000 | $62,000 | $315,000 | $117,000 | $679,000 |
| Other Purpose | 133 | $9,465,000 | $71,000 | $385,000 | $113,000 | $560,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $75,000 | $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 | 738 | $133,690,000 | $181,000 | $1,585,000 | $111,000 | $809,000 |
| Not Provided | 74 | $13,990,000 | $189,000 | $795,000 | $114,000 | $394,000 |
| Not applicable | 70 | $31,570,000 | $451,000 | $6,835,000 | $74,000 | $154,000 |
| American Indian or Alaskan Native | 44 | $7,330,000 | $166,000 | $795,000 | $98,000 | $464,000 |
| Hispanic | 22 | $2,670,000 | $121,000 | $335,000 | $95,000 | $289,000 |
| Asian | 11 | $1,755,000 | $159,000 | $415,000 | $170,000 | $560,000 |
| Black or African American | 9 | $2,475,000 | $275,000 | $435,000 | $173,000 | $378,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $810,000 | $202,000 | $435,000 | $79,000 | $133,000 |
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) | 739 | $133,975,000 | $181,000 | $6,835,000 | $117,000 | $809,000 |
| VA-guaranteed (Veterans Administration) | 112 | $35,530,000 | $317,000 | $1,585,000 | $103,000 | $342,000 |
| FHA-insured (Federal Housing Administration) | 100 | $21,090,000 | $210,000 | $465,000 | $78,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,695,000 | $175,000 | $235,000 | $66,000 | $91,000 |
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 | 593 | $119,675,000 | $201,000 | $6,835,000 | $115,000 | $809,000 |
| Application Denied By Financial Institution | 122 | $21,140,000 | $173,000 | $795,000 | $89,000 | $700,000 |
| Application Withdrawn By Applicant | 105 | $23,615,000 | $224,000 | $2,345,000 | $125,000 | $653,000 |
| Loan Purchased By The Institution | 84 | $17,810,000 | $212,000 | $605,000 | $90,000 | $300,000 |
| File Closed For Incompleteness | 46 | $6,960,000 | $151,000 | $365,000 | $98,000 | $519,000 |
| Application Approved But Not Accepted | 22 | $5,090,000 | $231,000 | $1,585,000 | $128,000 | $679,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 802 | $160,420,000 | $200,000 | $6,835,000 | $114,000 | $809,000 |
| Debt-To-Income Ratio | 74 | $17,440,000 | $235,000 | $2,345,000 | $100,000 | $261,000 |
| Credit History | 38 | $6,250,000 | $164,000 | $685,000 | $105,000 | $700,000 |
| Collateral | 25 | $3,775,000 | $151,000 | $435,000 | $90,000 | $229,000 |
| Credit Application Incomplete | 11 | $1,945,000 | $176,000 | $435,000 | $114,000 | $232,000 |
| Other | 10 | $2,800,000 | $280,000 | $705,000 | $87,000 | $236,000 |
| Unverifiable Information | 9 | $1,105,000 | $122,000 | $245,000 | $56,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $555,000 | $185,000 | $235,000 | $54,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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