Bingham County, ID Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 2,993 mortgage applications in Bingham County, ID totaling $413.4 million, up 11% from 2008. The average application was for $138,000, and applicants reported an average income of $61,000. 43% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank, NA, with 289 applications, followed by Metlife Bank, N.A. and Bank of America, N.A..
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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 | 2,993 |
| Total Mortgage Loan Application Amount | $413,411,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,812,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 289 | $ 40,048,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 241 | $ 36,115,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 214 | $ 30,816,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 410,563,000 | 158 | $ 8,655,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 721,003,000 | 141 | $ 16,734,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 128 | $ 19,487,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 121 | $ 18,471,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 114 | $ 14,930,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 101 | $ 15,055,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 20,778,268,000 | 98 | $ 14,374,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 86 | $ 12,800,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 81 | $ 13,352,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 76 | $ 4,466,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 73 | $ 11,962,000 |
| Citizens Community Bank 280 SOUTH ARTHUR AVE POCATELLO, ID 83204 |
* | $ 217,987,000 | 72 | $ 12,941,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 782,413,000 | 71 | $ 10,450,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 67 | $ 3,365,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 804,318,000 | 63 | $ 9,287,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 48 | $ 7,451,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 39 | $ 5,641,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 37 | $ 5,572,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 36 | $ 5,820,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 35 | $ 5,216,000 |
| Lookout Credit Union 707 S 9TH AVE POCATELLO, ID 83201 |
* | $ 95,973,000 | 34 | $ 4,220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 28 | $ 5,542,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 26 | $ 4,215,000 |
| Washington Federal S&L 425 PIKE STREET SEATTLE, WA 98101 |
* | $ 12,516,153,000 | 23 | $ 3,805,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 22 | $ 4,863,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 22 | $ 2,116,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 20 | $ 3,017,000 |
| Frontier Credit Union 865 S WOODRUFF AVE IDAHO FALLS, ID 83401 |
* | $ 206,128,000 | 19 | $ 1,777,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 19 | $ 2,971,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 18 | $ 3,242,000 |
| Ireland Bank 33 BANNOCK STREET MALAD CITY, ID 83252 |
* | $ 208,230,000 | 16 | $ 3,138,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 16 | $ 2,592,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 14 | $ 1,331,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 14 | $ 2,180,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 12 | $ 1,044,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 12 | $ 1,739,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 12 | $ 1,785,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 11 | $ 1,540,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 11 | $ 1,793,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 11 | $ 1,301,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 10 | $ 1,512,000 |
| Hyperion Capital Group 5885 SW MEADOWS ROAD STE 850 LAKE OSWEGO, OR 97035 |
* | $ 66,788,000 | 10 | $ 1,600,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 8 | $ 973,000 |
| Home Mortgage Resources 2076 S EAGLE ROAD MERIDIAN, ID 83642 |
* | $ 10,000,000 | 8 | $ 1,011,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 8 | $ 863,000 |
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 101,198,000 | 8 | $ 1,257,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 6 | $ 670,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 6 | $ 592,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 255,016,000 | 6 | $ 837,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 519,651,000 | 5 | $ 807,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 5 | $ 669,000 |
| Castle & Cooke Mortgage, LLC 13751 S WADSWORTH PARK DRIVE, STE 101 DRAPER, UT 84020 |
* | $ 10,000,000 | 5 | $ 802,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 5 | $ 821,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 5 | $ 859,000 |
| Netmore America, Inc. 109 EAST MAIN STREET, SUITE 301 WALLA WALLA, WA 99362 |
* | $ 37,000,000 | 4 | $ 555,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 355,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 677,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 347,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 4 | $ 61,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 3 | $ 371,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 82,981,000 | 3 | $ 446,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ 10,000,000 | 3 | $ 341,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 3 | $ 798,000 |
| Beehive Federal Credit Union PO BOX 40 REXBURG, ID 83440 |
* | $ 129,560,000 | 3 | $ 423,000 |
| Rails West FCU 4708 YELLOWSTONE AVENUE CHUBBUCK, ID 83202 |
* | $ 56,633,000 | 3 | $ 251,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 3 | $ 409,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 3 | $ 51,000 |
| Direct Equity Mortgage 3285 N. FORT APACHE RD. LAS VEGAS, NV 89129 |
* | $ 10,000,000 | 3 | $ 420,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 3 | $ 491,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 3 | $ 2,175,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 481,000 |
| Axiom Financial LLC 9350 SOUTH 150 EAST SUITE 140 SANDY, UT 84070 |
* | $ 10,000,000 | 2 | $ 383,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 303,000 | 2 | $ 204,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Idahy Credit Union 1010 N ROSE ST BOISE, ID 83703 |
* | $ 114,936,000 | 2 | $ 166,000 |
| First California Mortgage Co., Inc. 1400 N MCDOWELL BLVD, SUITE 300 PETALUMA, CA 94954 |
* | $ 10,000,000 | 2 | $ 392,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Scenic Falls Credit Union 700 MEMORIAL IDAHO FALLS, ID 83402 |
* | $ 66,940,000 | 2 | $ 59,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 2 | $ 71,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 2 | $ 237,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 2 | $ 354,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 2 | $ 251,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 239,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 369,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 2 | $ 465,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 354,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 157,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 79,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,378,470,000 | 1 | $ 96,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 198,774,000 | 1 | $ 60,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 238,577,000 | 1 | $ 160,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 4,538,985,000 | 1 | $ 220,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 2,884,364,000 | 1 | $ 152,000 |
| Utah Power Credit Union 957 E 6600 S SALT LAKE CITY, UT 84121 |
* | $ 290,304,000 | 1 | $ 43,000 |
| Operating Engineers Federal Credit Union 250 N CANYONS PARKWAY LIVERMORE, CA 94551 |
* | $ 831,675,000 | 1 | $ 103,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 150,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 165,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 85,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 62,318,000 | 1 | $ 112,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 238,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 85,000 |
| Iberiabank Mortgage Company 12719 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 499,416,000 | 1 | $ 168,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 126,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 227,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 1 | $ 149,000 |
| Kearny Federal Savings Bank 120 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ 2,036,034,000 | 1 | $ 642,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 1 | $ 193,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 64,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 182,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 146,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 152,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 210,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Sunset Mortgage Co 16101 SW 72ND AVE STE 200 PORTLAND, OR 97224 |
* | $ 11,000,000 | 1 | $ 94,000 |
The tables below break down 2009 mortgage applications in Bingham County, ID by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bingham County, ID in 2009
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 | 2,242 | $317,020,000 | $141,000 | $1,900,000 | $62,000 | $1,509,000 |
| Home Purchase | 614 | $86,131,000 | $140,000 | $1,463,000 | $54,000 | $1,812,000 |
| Home Improvement | 137 | $10,260,000 | $74,000 | $290,000 | $72,000 | $842,000 |
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 | 2,246 | $311,870,000 | $138,000 | $950,000 | $66,000 | $1,812,000 |
| Not Provided | 277 | $40,615,000 | $146,000 | $1,900,000 | $59,000 | $842,000 |
| Not applicable | 252 | $35,507,000 | $140,000 | $1,463,000 | $20,000 | $242,000 |
| Hispanic | 168 | $18,885,000 | $112,000 | $417,000 | $49,000 | $166,000 |
| American Indian or Alaskan Native | 31 | $2,906,000 | $93,000 | $180,000 | $55,000 | $361,000 |
| Black or African American | 9 | $2,013,000 | $223,000 | $675,000 | $135,000 | $349,000 |
| Asian | 6 | $1,046,000 | $174,000 | $348,000 | $70,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $569,000 | $142,000 | $169,000 | $86,000 | $173,000 |
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) | 1,920 | $260,639,000 | $135,000 | $1,900,000 | $71,000 | $1,812,000 |
| FHA-insured (Federal Housing Administration) | 810 | $115,286,000 | $142,000 | $316,000 | $45,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 211 | $28,198,000 | $133,000 | $301,000 | $36,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 52 | $9,288,000 | $178,000 | $372,000 | $43,000 | $168,000 |
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 | 1,294 | $176,486,000 | $136,000 | $1,900,000 | $71,000 | $1,509,000 |
| Loan Purchased By The Institution | 597 | $88,213,000 | $147,000 | $642,000 | $44,000 | $1,812,000 |
| Application Denied By Financial Institution | 583 | $76,561,000 | $131,000 | $1,463,000 | $56,000 | $549,000 |
| Application Withdrawn By Applicant | 269 | $38,230,000 | $142,000 | $417,000 | $61,000 | $380,000 |
| Application Approved But Not Accepted | 182 | $24,673,000 | $135,000 | $417,000 | $64,000 | $307,000 |
| File Closed For Incompleteness | 68 | $9,248,000 | $136,000 | $417,000 | $39,000 | $134,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 109 | $16,077,000 | $147,000 | $417,000 | $72,000 | $534,000 |
| Credit History | 101 | $12,353,000 | $122,000 | $950,000 | $59,000 | $296,000 |
| Debt-To-Income Ratio | 81 | $11,355,000 | $140,000 | $415,000 | $49,000 | $549,000 |
| Credit Application Incomplete | 49 | $7,069,000 | $144,000 | $279,000 | $55,000 | $145,000 |
| Other | 26 | $3,927,000 | $151,000 | $675,000 | $78,000 | $349,000 |
| Unverifiable Information | 15 | $1,953,000 | $130,000 | $242,000 | $57,000 | $107,000 |
| Employment History | 7 | $1,092,000 | $156,000 | $265,000 | $44,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $401,000 | $100,000 | $168,000 | $60,000 | $74,000 |
| Mortgage Insurance Denied | 1 | $113,000 | $113,000 | $113,000 | $31,000 | $31,000 |
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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