Bingham County, ID Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 2,504 mortgage applications in Bingham County, ID totaling $439.4 million, up 14% from 2018. The average application was for $175,000, and applicants reported an average income of $81,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Idaho Central Credit Union, with 548 applications, followed by Westmark Credit Union 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 2,504
Total Mortgage Loan Application Amount $439,390,000
Average Mortgage Loan Application Amount $175,000
Highest Mortgage Loan Application Amount $12,425,000
Average Applicant Income $81,000
Highest Applicant Income $1,188,000

Mortgage Company List for Lending in Bingham County, ID 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
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 4,315,063,000 548 $ 80,470,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ 811,852,000 108 $ 11,310,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 92 $ 15,650,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 8,212,199,000 89 $ 11,715,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 68,745,745,000 87 $ 25,545,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 81 $ 11,385,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 70 $ 9,240,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 67 $ 11,605,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 12,102,845,000 65 $ 16,215,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 404,037,000 63 $ 12,575,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 63 $ 10,325,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 44 $ 9,630,000
Lookout Credit Union
707 S 9TH AVE
POCATELLO, ID 83201
* $ 235,284,000 37 $ 6,055,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 34 $ 8,120,000
Bank of Idaho
399 N CAPITAL
IDAHO FALLS, ID 83403
* $ 334,273,000 34 $ 7,950,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 33 $ 5,745,000
Beehive Federal Credit Union
PO BOX 40
REXBURG, ID 83440
* $ 274,989,000 31 $ 5,375,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 31 $ 6,845,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 30 $ 5,160,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 29 $ 6,975,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 29 $ 5,035,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,190,394,000 29 $ 4,315,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ 1,250,076,000 29 $ 5,635,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 28 $ 4,140,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 27 $ 4,525,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 27 $ 6,465,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 27 $ 4,805,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 26 $ 5,080,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 23 $ 3,555,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 22 $ 4,940,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 17 $ 3,225,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 17 $ 3,785,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 15 $ 905,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 15 $ 1,685,000
Advantage Plus FCU
2133 E CENTER ST.
POCATELLO, ID 83201
* $ 139,599,000 15 $ 1,755,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 15 $ 3,325,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,573,696,000 14 $ 2,790,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 13 $ 1,705,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 13 $ 2,565,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 13 $ 2,535,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 12 $ 2,040,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 2,030,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 2,370,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 12 $ 2,490,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 2,105,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 2,100,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 10 $ 2,070,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 9 $ 1,495,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 9 $ 965,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 1,705,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 9 $ 1,735,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 1,855,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,575,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 7 $ 1,425,000
Frontier Credit Union
865 S WOODRUFF AVE
IDAHO FALLS, ID 83401
* $ 292,276,000 7 $ 1,015,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,095,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 5 $ 335,000
Connections Credit Union
1150 NORTH 8TH AVENUE
POCATELLO, ID 83201
* $ 170,404,000 5 $ 865,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 775,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 5 $ 1,215,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 1,095,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 335,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 845,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 5 $ 945,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 4 $ 590,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 87,268,647,000 4 $ 370,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 4 $ 1,080,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ -1,000 4 $ 970,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 10,322,441,000 4 $ 230,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 540,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 4 $ 1,080,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 3 $ 785,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 345,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 245,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 685,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 3 $ 615,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 625,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 3 $ 615,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 3 $ 255,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 3 $ 765,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 735,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 525,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 795,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 3 $ 595,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 3 $ 755,000
Rails West FCU
4708 YELLOWSTONE AVENUE
CHUBBUCK, ID 83202
* $ 59,327,000 3 $ 225,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 3 $ 275,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 1,422,646,000 2 $ 330,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 2 $ 360,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 2 $ 240,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 490,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 2 $ 310,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 2 $ 450,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 2 $ 510,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 2 $ 900,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ -1,000 2 $ 350,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 12,915,178,000 2 $ 500,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 1,028,840,000 2 $ 1,010,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 2 $ 310,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 320,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 2 $ 530,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 2 $ 300,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 2 $ 340,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 70,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 19,588,565,000 2 $ 600,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 205,000
First Utah Bank
3826 S 2300 E
SALT LAKE CITY, UT 84109
* $ 378,936,000 1 $ 135,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 5,665,667,000 1 $ 105,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 55,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 325,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 265,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 664,284,000 1 $ 275,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 265,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ -1,000 1 $ 95,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 155,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 187,387,000 1 $ 85,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ -1,000 1 $ 205,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 694,519,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 155,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 305,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,798,459,000 1 $ 215,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 382,595,000 1 $ 165,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 1 $ 415,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 1 $ 665,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 1 $ 185,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 365,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 90,056,875,000 1 $ 135,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 245,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 1 $ 295,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 1 $ 65,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 205,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ -1,000 1 $ 5,285,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 245,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 235,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 165,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 1 $ 45,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 485,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 1 $ 125,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 1,380,524,000 1 $ 225,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 175,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 175,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 115,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 335,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 215,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 105,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 55,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 205,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 1 $ 255,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 255,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 241,136,000 1 $ 85,000

The tables below break down 2019 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 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 1,051 $197,075,000 $187,000 $695,000 $75,000 $1,188,000
Cash-out Refinancing 682 $127,690,000 $187,000 $12,425,000 $86,000 $626,000
Refinancing 442 $82,510,000 $186,000 $725,000 $82,000 $503,000
Home Improvement 199 $18,775,000 $94,000 $5,285,000 $91,000 $400,000
Other Purpose 115 $10,435,000 $90,000 $1,005,000 $89,000 $509,000
Not Applicable 15 $2,905,000 $193,000 $1,065,000 $237,000 $237,000

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 1,907 $316,655,000 $166,000 $1,065,000 $84,000 $1,188,000
Not Provided 213 $38,705,000 $181,000 $595,000 $73,000 $269,000
Not applicable 186 $55,560,000 $298,000 $12,425,000 $76,000 $191,000
Hispanic 161 $22,765,000 $141,000 $535,000 $66,000 $280,000
American Indian or Alaskan Native 23 $3,145,000 $136,000 $275,000 $63,000 $133,000
Asian 8 $1,370,000 $171,000 $285,000 $125,000 $400,000
Black or African American 4 $920,000 $230,000 $345,000 $66,000 $111,000
Native Hawaiian or Other Pacific Islander 1 $245,000 $245,000 $245,000 $49,000 $49,000

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) 1,805 $295,785,000 $163,000 $12,425,000 $86,000 $626,000
FHA-insured (Federal Housing Administration) 399 $75,755,000 $189,000 $5,285,000 $64,000 $1,188,000
VA-guaranteed (Veterans Administration) 197 $48,885,000 $248,000 $605,000 $76,000 $327,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 103 $18,965,000 $184,000 $395,000 $53,000 $90,000

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 1,432 $261,480,000 $182,000 $12,425,000 $84,000 $626,000
Application Denied By Financial Institution 315 $41,905,000 $133,000 $1,065,000 $69,000 $339,000
Loan Purchased By The Institution 287 $61,155,000 $213,000 $595,000 $85,000 $246,000
Application Withdrawn By Applicant 232 $36,420,000 $156,000 $485,000 $83,000 $1,188,000
Application Approved But Not Accepted 158 $25,520,000 $161,000 $575,000 $80,000 $488,000
File Closed For Incompleteness 79 $12,695,000 $160,000 $395,000 $81,000 $274,000
Preapproval Denied by Financial Institution 1 $215,000 $215,000 $215,000 $73,000 $73,000
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 2,146 $388,710,000 $181,000 $12,425,000 $83,000 $1,188,000
Debt-To-Income Ratio 115 $19,815,000 $172,000 $1,065,000 $71,000 $287,000
Credit History 95 $10,565,000 $111,000 $305,000 $60,000 $164,000
Collateral 81 $10,085,000 $124,000 $405,000 $91,000 $339,000
Other 26 $3,200,000 $123,000 $385,000 $55,000 $110,000
Credit Application Incomplete 23 $4,575,000 $198,000 $465,000 $86,000 $177,000
Unverifiable Information 8 $980,000 $122,000 $285,000 $46,000 $84,000
Employment History 5 $775,000 $155,000 $245,000 $60,000 $101,000
Insufficient Cash (Downpayment, Closing Cost) 5 $685,000 $137,000 $185,000 $52,000 $90,000
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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