Benton County, MO Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 838 mortgage applications in Benton County, MO totaling $100.0 million, down 1% from 2018. The average application was for $119,000, and applicants reported an average income of $74,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was Community Mortgage, LLC, with 67 applications, followed by Equity Bank and Wells Fargo Bank NA.

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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 838
Total Mortgage Loan Application Amount $100,010,000
Average Mortgage Loan Application Amount $119,000
Highest Mortgage Loan Application Amount $905,000
Average Applicant Income $74,000
Highest Applicant Income $1,440,000

Mortgage Company List for Lending in Benton County, MO for 2019

* 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
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 67 $ 9,075,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 4,058,211,000 47 $ 4,295,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 44 $ 6,270,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 33 $ 5,105,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 23,137,750,000 33 $ 2,585,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 32 $ 3,270,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 25 $ 3,455,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,473,877,000 23 $ 2,285,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 21 $ 2,735,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 21 $ 3,425,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 20 $ 2,590,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 18 $ 1,830,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 938,693,000 15 $ 1,875,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 14 $ 1,500,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 14 $ 2,280,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 14 $ 1,740,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 1,430,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 14 $ 1,210,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 13 $ 775,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,686,628,000 13 $ 1,505,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 10 $ 870,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 10 $ 1,270,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,235,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 775,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 1,405,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,383,765,000 7 $ 615,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 870,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 6 $ 840,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 6 $ 270,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 713,950,000 6 $ 750,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 505,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 5 $ 415,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 353,041,000 5 $ 565,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 5 $ 565,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 500,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 300,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 4 $ 660,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 4 $ 490,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 4 $ 580,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 720,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 4 $ 380,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 620,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 3 $ 185,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ 103,481,000 3 $ 255,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 3 $ 535,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 5,665,667,000 3 $ 145,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 405,000
Mazuma Credit Union
7260 W 135TH STREET
OVERLAND PARK, KS 66223
* $ 660,812,000 3 $ 345,000
United Consumers Credit Union
1111 E 23RD ST S
INDEPENDENCE, MO 64055
* $ 142,812,000 3 $ 305,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 3 $ 365,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 3 $ 305,000
The Missouri Bank II
1601 S LIMIT
SEDALIA, MO 65301
* $ 96,274,000 3 $ 295,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 3 $ 315,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 305,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 425,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 455,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 195,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 3 $ 465,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 215,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 3 $ 345,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,679,144,000 3 $ 175,000
Midwest Regional Bank
363 FESTUS CENTRE DRIVE
FESTUS, MO 63028
* $ 661,538,000 3 $ 225,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,321,162,000 2 $ 230,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 390,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 210,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 200,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 16,518,217,000 2 $ 100,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 2 $ 130,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 666,879,000 2 $ 120,000
Bank 21
ONE W WASHINGTON ST
CARROLLTON, MO 64633
* $ 152,514,000 2 $ 240,000
First Option Bank
702 BAPTISTE DR.
PAOLA, KS 66071
* $ 322,711,000 2 $ 390,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 110,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 588,136,000 2 $ 90,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 234,032,000,000 2 $ 300,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 2 $ 280,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 30,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 2 $ 160,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,637,595,000 2 $ 310,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ -1,000 2 $ 120,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 210,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 30,737,643,000 1 $ 45,000
Platte Valley Bank of Missouri
PO BOX 1250
PLATTE CITY, MO 64079
* $ 554,681,000 1 $ 55,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,039,284,000 1 $ 65,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 578,076,000 1 $ 145,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 125,000
Community Bank of Missouri
904 WALTON WAY
RICHMOND, MO 64085
* $ 52,408,000 1 $ 165,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 235,000
Bank of Odessa
301 W HIGHWAY 40
ODESSA, MO 64076
* $ 249,801,000 1 $ 65,000
Central Bank of Boone County
720 E. BROADWAY
COLUMBIA, MO 65201
* $ 2,066,454,000 1 $ 85,000
Central Bank of the Ozarks
1800 S. GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,293,788,000 1 $ 85,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 135,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,465,224,000 1 $ 25,000
The Tipton Latham Bank, National Association
800 W. HWY 50; PO BOX 759
TIPTON, MO 65081
* $ 134,107,000 1 $ 905,000
Kcb Bank
950 W 92 HWY
KEARNEY, MO 64060
* $ 254,742,000 1 $ 205,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 85,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 105,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 105,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 966,018,000 1 $ 95,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 85,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 282,714,000 1 $ 85,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,483,865,000 1 $ 115,000
Central Bank of Warrensburg
PO BOX 477
WARRENSBURG, MO 64093
* $ 249,600,000 1 $ 165,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 115,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 95,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 8,530,262,000 1 $ 85,000
Farmers-Merchants Bank of Illinois
P.O. BOX 217
JOY, IL 61260
* $ 173,321,000 1 $ 125,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 105,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 45,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 135,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ 499,948,000 1 $ 105,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 255,000
Community Bank of Marshall
P.O. BOX 700
MARSHALL, MO 65340
* $ 163,487,000 1 $ 65,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 75,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 182,504,000 1 $ 185,000
F & C Bank
P.O. BOX 157
HOLDEN, MO 64040
* $ 222,158,000 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 105,000
Stockmens Bank

SPRINGFIELD, MO 65804
* $ 344,725,000 1 $ 225,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 165,000
Guaranty Bank

ANKENY, IA 50023
* $ 632,849,000 1 $ 185,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 341,728,000 1 $ 55,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 1 $ 225,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 45,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 25,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 105,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 285,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 186,588,000 1 $ 55,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 75,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 1 $ 75,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 124,485,000 1 $ 225,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 294,391,000 1 $ 155,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 235,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 55,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 115,000
Adrian Bank
PO BOX 127
ADRIAN, MO 64720
* $ 142,544,000 1 $ 55,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 155,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 235,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,513,109,000 1 $ 115,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,953,334,000 1 $ 45,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 205,374,000 1 $ 145,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 75,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 55,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 135,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 12,568,651,000 1 $ 95,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 195,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 1 $ 15,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,346,426,000 1 $ 165,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 265,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 165,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 65,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 112,044,000 1 $ 105,000

The tables below break down 2019 mortgage applications in Benton 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 Benton County, MO in 2019

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 465 $57,295,000 $123,000 $365,000 $78,000 $1,440,000
Refinancing 155 $20,165,000 $130,000 $905,000 $71,000 $300,000
Cash-out Refinancing 125 $15,495,000 $123,000 $335,000 $65,000 $518,000
Home Improvement 48 $3,670,000 $76,000 $405,000 $81,000 $219,000
Other Purpose 37 $2,445,000 $66,000 $255,000 $55,000 $145,000
Not Applicable 8 $940,000 $117,000 $205,000 $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 633 $74,565,000 $117,000 $905,000 $74,000 $1,440,000
Not applicable 123 $15,645,000 $127,000 $355,000 $83,000 $204,000
Not Provided 68 $7,840,000 $115,000 $285,000 $68,000 $267,000
American Indian or Alaskan Native 7 $1,095,000 $156,000 $275,000 $69,000 $101,000
Hispanic 3 $255,000 $85,000 $155,000 $42,000 $52,000
Native Hawaiian or Other Pacific Islander 2 $430,000 $215,000 $215,000 $0 $0
Black or African American 2 $180,000 $90,000 $175,000 $43,000 $51,000
Asian 0 $0 $0 $0 $0 $0

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) 533 $59,115,000 $110,000 $905,000 $83,000 $1,440,000
VA-guaranteed (Veterans Administration) 153 $23,505,000 $153,000 $315,000 $54,000 $150,000
FHA-insured (Federal Housing Administration) 123 $14,465,000 $117,000 $285,000 $54,000 $333,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $2,925,000 $100,000 $185,000 $43,000 $70,000

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 435 $53,665,000 $123,000 $905,000 $79,000 $518,000
Loan Purchased By The Institution 157 $20,415,000 $130,000 $285,000 $81,000 $295,000
Application Denied By Financial Institution 122 $11,810,000 $96,000 $405,000 $53,000 $205,000
Application Withdrawn By Applicant 87 $10,115,000 $116,000 $295,000 $76,000 $1,440,000
File Closed For Incompleteness 22 $2,350,000 $106,000 $275,000 $58,000 $135,000
Application Approved But Not Accepted 15 $1,655,000 $110,000 $215,000 $82,000 $160,000
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 674 $82,530,000 $122,000 $365,000 $77,000 $1,440,000
Debt-To-Income Ratio 59 $7,795,000 $132,000 $905,000 $77,000 $518,000
Credit History 55 $4,355,000 $79,000 $265,000 $60,000 $205,000
Collateral 15 $1,835,000 $122,000 $255,000 $42,000 $67,000
Credit Application Incomplete 12 $1,480,000 $123,000 $235,000 $56,000 $129,000
Other 10 $1,220,000 $122,000 $315,000 $49,000 $80,000
Unverifiable Information 6 $240,000 $40,000 $65,000 $65,000 $120,000
Employment History 5 $475,000 $95,000 $215,000 $58,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 2 $80,000 $40,000 $75,000 $30,000 $32,000
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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