Bismarck, ND Metro Area Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 5,490 mortgage applications in Bismarck, ND metro area totaling $1.2 billion, down 25% from 2016. The average application was for $215,765, and applicants reported an average income of $86,000. 65% of applications resulted in an originated loan and 8% were denied. The most active lender was Gate City Bank, with 833 applications, followed by Wells Fargo Bank NA and Dakota Community Bank & Trust, 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 5,490
Total Mortgage Loan Application Amount $1,184,554,000
Average Mortgage Loan Application Amount $215,765
Highest Mortgage Loan Application Amount $10,600,000
Average Applicant Income $86,000
Highest Applicant Income $1,774,000

Mortgage Company List for Lending in Bismarck, ND for 2017

* 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
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ 1,952,398,000 833 $ 161,442,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 326 $ 70,823,000
Dakota Community Bank & Trust, NA
608 MAIN STREET
HEBRON, ND 58638
* $ 763,317,000 313 $ 74,213,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ 447,442,000 300 $ 46,020,000
Cornerstone Bank
2280 45TH STREET SOUTH
FARGO, ND 58104
* $ 820,967,000 261 $ 55,850,000
Starion Bank
109 1ST STREET NW
MANDAN, ND 58554
* $ 1,200,877,000 234 $ 64,942,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 209 $ 40,525,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 190 $ 44,835,000
Blackridgebank
4040 42ND ST SW, SUITE O
FARGO, ND 58104
* $ 432,500,000 140 $ 30,816,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 137 $ 32,251,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 127 $ 30,873,000
Security First Bank of North Dakota
700 ASH AVENUE
NEW SALEM, ND 58563
* $ 184,223,000 122 $ 24,068,000
Kirkwood Bank & Trust Co.
2911 N 14TH STREET
BISMARCK, ND 58503
* $ 226,279,000 121 $ 24,034,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 2,262,003,000 113 $ 25,327,000
BNC National Bank

BISMARCK, ND 58501
* $ 908,911,000 111 $ 24,776,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ 1,333,885,000 108 $ 21,419,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ 1,174,850,000 105 $ 41,339,000
Railway Credit Union
1006 E MAIN STREET
MANDAN, ND 58554
* $ 101,726,000 96 $ 9,559,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 93 $ 17,974,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 93 $ 25,785,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 629,000,000 88 $ 19,325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 87 $ 19,439,000
First Community Credit Union
111 9TH ST SW
JAMESTOWN, ND 58401
* $ 565,398,000 79 $ 17,499,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 67 $ 16,155,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 66 $ 15,390,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 56 $ 9,694,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 52 $ 12,109,000
Vue Community Credit Union
818 E MAIN AVE
BISMARCK, ND 58501
* $ 55,993,000 52 $ 6,101,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 11,496,234,000 40 $ 14,268,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 37 $ 9,716,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 34 $ 7,422,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 32 $ 4,736,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 31 $ 7,311,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 30 $ 6,401,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 23 $ 5,793,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 22 $ 5,007,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 22 $ 3,213,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 22 $ 5,406,000
First Mortgage Service, Inc.
815 23RD AVE E
WEST FARGO, ND 58078
* $ -1,000 21 $ 4,610,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 19 $ 3,177,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 17 $ 3,552,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 15 $ 711,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 15 $ 2,914,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 15 $ 3,164,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 13 $ 2,813,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 13 $ 2,036,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 2,401,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 983,012,000 13 $ 1,234,000
First Western Bank & Trust
900 SOUTH BROADWAY
MINOT, ND 58701
* $ 1,036,965,000 12 $ 1,728,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 11 $ 2,670,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 1,688,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 10 $ 2,394,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 8 $ 510,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 8 $ 1,143,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 13,016,049,000 8 $ 1,690,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 7 $ 176,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,620,732,000 7 $ 1,365,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 7 $ 1,052,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 7 $ 1,654,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 7 $ 1,263,000
Town and Country Credit Union
615 S BROADWAY ST
MINOT, ND 58701
* $ 389,693,000 6 $ 1,599,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 6 $ 1,451,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,328,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ -1,000 6 $ 1,516,000
Union Bank, the
PO BOX 789
BEULAH, ND 58523
* $ 149,364,000 6 $ 1,608,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 6 $ 1,102,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 5 $ 963,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 1,069,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 4,181,458,000 5 $ 11,335,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 220,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 4 $ 1,186,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,982,691,000 4 $ 1,050,000
Western State Bank
755 13TH AVE E
DEVILS LAKE, ND 58301
* $ 960,808,000 4 $ 945,000
Western Cooperative Credit Union
PO BOX 2237/1300 BISON DR
WILLISTON, ND 58801
* $ 321,189,000 4 $ 364,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 561,134,000 4 $ 974,000
Dacotah Bank
308 S MAIN STREET, PO BOX 1210
ABERDEEN, SD 57401
* $ 2,288,868,000 3 $ 993,000
Bank Forward
390 WHEAT STREET, PO BOX 100
FARGO, ND 58104
* $ 544,849,000 3 $ 1,206,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 3 $ 487,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 3 $ 991,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 391,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 3 $ 888,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 3 $ 1,138,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,850,010,000 3 $ 583,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 3 $ 844,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,048,652,000 3 $ 817,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 540,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 801,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 790,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 2 $ 635,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 9,038,469,000 2 $ 298,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 399,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 464,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 0 2 $ 1,341,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 235,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 832,884,000 2 $ 309,000
Valley Mortgage, Inc.
3315 45TH ST S, SUITE 200
FARGO, ND 58104
* $ -1,000 2 $ 754,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 392,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 307,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 131,174,000 2 $ 369,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 2 $ 361,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 514,606,000 2 $ 167,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 618,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 2 $ 289,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 2 $ 256,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 52,958,000,000 2 $ 693,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 539,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 2 $ 434,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,688,730,000 2 $ 786,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 2 $ 633,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 2 $ 354,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 365,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 379,000
Midwest Bank
613 HWY 10 E PO BOX 703
DETROIT LAKES, MN 56501
* $ 387,051,000 1 $ 197,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 276,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 300,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 266,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,070,486,000 1 $ 198,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 550,032,000 1 $ 198,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 300,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 164,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 118,000
First Bank & Trust
110 N. MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 889,889,000 1 $ 185,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ -1,000 1 $ 380,000
Unity Mortgage
615 S BROADWAY
MINOT, ND 58701
* $ 0 1 $ 211,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 50,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 200,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ -1,000 1 $ 248,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ 650,123,000 1 $ 10,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 7,602,676,000 1 $ 39,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 1 $ 219,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 1,919,185,000 1 $ 190,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 178,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 115,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 99,554,985,000 1 $ 615,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 280,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 268,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 95,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 1 $ 102,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,717,614,000 1 $ 35,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 30,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 288,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 926,222,000 1 $ 145,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 136,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 1 $ 299,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 330,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 83,730,044,000 1 $ 360,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 1 $ 110,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 1 $ 185,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,593,928,000 1 $ 416,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 173,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 41,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 260,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 1 $ 168,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 145,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 345,855,000 1 $ 240,000

The tables below break down 2017 mortgage applications in Bismarck, ND 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 Bismarck, ND in 2017

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 2,999 $692,120,000 $230,000 $3,008,000 $87,000 $1,563,000
Refinancing 2,016 $447,370,000 $221,000 $10,600,000 $81,000 $1,774,000
Home Improvement 475 $45,064,000 $94,000 $1,225,000 $97,000 $530,000

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 4,390 $886,512,000 $201,000 $7,665,000 $95,000 $1,774,000
Not applicable 695 $215,945,000 $310,000 $10,600,000 $20,000 $698,000
Not Provided 237 $47,593,000 $200,000 $959,000 $108,000 $1,563,000
American Indian or Alaskan Native 73 $14,580,000 $199,000 $880,000 $99,000 $439,000
Hispanic 49 $9,627,000 $196,000 $836,000 $79,000 $550,000
Asian 21 $5,575,000 $265,000 $416,000 $104,000 $450,000
Black or African American 20 $3,667,000 $183,000 $270,000 $57,000 $105,000
Native Hawaiian or Other Pacific Islander 5 $1,055,000 $211,000 $263,000 $71,000 $110,000

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) 4,118 $873,054,000 $212,000 $10,600,000 $95,000 $1,774,000
FHA-insured (Federal Housing Administration) 775 $159,627,000 $205,000 $323,000 $58,000 $343,000
VA-guaranteed (Veterans Administration) 514 $134,300,000 $261,000 $625,000 $64,000 $439,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 83 $17,573,000 $211,000 $308,000 $49,000 $106,000

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 3,581 $769,878,000 $214,000 $10,600,000 $95,000 $1,774,000
Loan Purchased By The Institution 773 $189,597,000 $245,000 $770,000 $45,000 $698,000
Application Denied By Financial Institution 452 $79,613,000 $176,000 $870,000 $70,000 $688,000
Application Withdrawn By Applicant 445 $93,465,000 $210,000 $1,000,000 $97,000 $979,000
Application Approved But Not Accepted 155 $33,648,000 $217,000 $630,000 $87,000 $300,000
File Closed For Incompleteness 84 $18,353,000 $218,000 $1,000,000 $112,000 $1,563,000
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
Debt-To-Income Ratio 93 $16,161,000 $173,000 $870,000 $56,000 $178,000
Credit History 58 $7,931,000 $136,000 $840,000 $73,000 $276,000
Collateral 55 $7,705,000 $140,000 $591,000 $73,000 $174,000
Credit Application Incomplete 44 $9,785,000 $222,000 $424,000 $89,000 $688,000
Other 21 $3,726,000 $177,000 $413,000 $73,000 $212,000
Employment History 11 $2,054,000 $186,000 $583,000 $75,000 $242,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,474,000 $184,000 $424,000 $71,000 $171,000
Unverifiable Information 8 $1,432,000 $179,000 $382,000 $65,000 $145,000
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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