Boise County, ID Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,174 mortgage applications in Boise County, ID totaling $290.0 million, up 26% from 2019. The average application was for $247,000, and applicants reported an average income of $111,000. 63% of applications resulted in an originated loan and 9% were denied. The most active lender was Idaho Central Credit Union, with 180 applications, followed by Mountain America Federal Credit Union and Fairway Independent Mort Corp.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Idaho.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,174
Total Mortgage Loan Application Amount $290,010,000
Average Mortgage Loan Application Amount $247,000
Highest Mortgage Loan Application Amount $1,205,000
Average Applicant Income $111,000
Highest Applicant Income $1,677,000

Mortgage Company List for Lending in Boise County, ID for 2020

* 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
* $ 5,070,732,000 180 $ 39,890,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 9,348,808,000 92 $ 17,190,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 60 $ 16,320,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 32 $ 7,010,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 30 $ 7,350,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 24 $ 6,750,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 24 $ 6,250,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 22 $ 6,130,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 22 $ 5,480,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 20 $ 5,040,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 20 $ 4,950,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 18 $ 4,550,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 17 $ 5,325,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 17 $ 4,775,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 16 $ 4,580,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 15 $ 2,975,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 143,390,269,000 13 $ 2,505,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 13 $ 2,935,000
First Federal Savings Bank
303 SHOSHONE ST N
TWIN FALLS, ID 83303
* $ 705,774,000 13 $ 3,925,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 12 $ 3,630,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,420,261,000 12 $ 3,850,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 11 $ 2,895,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 11 $ 4,315,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 2,260,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 10 $ 3,310,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 2,870,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 10 $ 2,630,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 9 $ 1,335,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 12,304,722,000 9 $ 3,165,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 2,575,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 3,285,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 9 $ 2,305,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 9 $ 2,075,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 9 $ 3,195,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 2,925,000
Capital Educators Fed CU
PO BOX 570 (275 S STRATFORD DR)
MERIDIAN, ID 83680
* $ 783,074,000 8 $ 1,230,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,793,987,000 8 $ 1,210,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 8 $ 1,230,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 8 $ 2,790,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 7,151,922,000 7 $ 795,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 2,445,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 3,465,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 69,171,552,000 7 $ 1,685,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 7 $ 2,585,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 7 $ 1,635,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 1,430,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 6 $ 2,100,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ 869,311,000 6 $ 570,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 6 $ 1,590,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 6 $ 1,370,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 5 $ 1,135,000
Icon Credit Union
7615 W. RIVERSIDE DR.
BOISE, ID 83714
* $ 342,149,000 5 $ 725,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 5 $ 1,505,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 5 $ 1,455,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 5 $ 1,155,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 5 $ 585,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 4 $ 380,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 1,190,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 4 $ 1,740,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 13,110,529,000 4 $ 1,190,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 890,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 4 $ 400,000
Pioneer Federal Credit Union
250 SOUTH 3RD WEST
MOUNTAIN HOME, ID 83647
* $ 489,762,000 4 $ 770,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 820,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 825,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 3 $ 615,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 375,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 825,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 3 $ 855,000
Bank of Idaho
399 N CAPITAL
IDAHO FALLS, ID 83403
* $ 405,330,000 3 $ 725,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 3 $ 915,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 425,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 3 $ 625,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 3 $ 835,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 375,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 3 $ 645,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 515,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 655,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 695,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,121,213,000 3 $ 335,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 410,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 2 $ 520,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 520,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 2 $ 670,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 750,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 500,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 560,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 2 $ 500,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 470,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ -1,000 2 $ 520,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 450,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 450,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 2 $ 400,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 6,771,304,000 2 $ 490,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 430,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 2 $ 90,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 530,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 11,712,644,000 2 $ 690,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 480,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 325,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 275,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ -1,000 1 $ 195,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 315,000
Dignified Home Loans LLC
1 BAXTER WAY, SUITE 120
WESTLAKE VILLAGE, CA 91362
* $ -1,000 1 $ 165,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 365,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 355,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 195,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 1,149,979,000 1 $ 515,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 125,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 1,194,171,000 1 $ 75,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 195,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 355,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 365,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 205,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 275,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 405,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ -1,000 1 $ 155,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 305,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 285,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 61,390,143,000 1 $ 525,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 265,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 1,488,662,000 1 $ 475,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 1 $ 155,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,424,675,000 1 $ 45,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 175,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 625,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 22,178,675,000 1 $ 515,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 335,000
Jmj Financial Group Inc.
26800 ALISO VIEJO PARKWAY STE 200
ALISO VIEJO, CA 92656
* $ -1,000 1 $ 215,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 345,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 515,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 185,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 345,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 8,335,689,000 1 $ 445,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 1 $ 235,000
Connections Credit Union
1150 NORTH 8TH AVENUE
POCATELLO, ID 83201
* $ 180,179,000 1 $ 275,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 195,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 265,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 217,610,000 1 $ 265,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 205,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 496,400,000 1 $ 515,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 1,340,089,000 1 $ 85,000

The tables below break down 2020 mortgage applications in Boise 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 Boise County, ID in 2020

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 402 $104,550,000 $260,000 $1,205,000 $114,000 $1,677,000
Home Purchase 386 $111,740,000 $289,000 $855,000 $121,000 $1,543,000
Cash-out Refinancing 288 $62,350,000 $216,000 $705,000 $99,000 $1,443,000
Other Purpose 50 $5,950,000 $119,000 $405,000 $110,000 $422,000
Home Improvement 48 $5,420,000 $112,000 $405,000 $93,000 $325,000
Not Applicable 0 $0 $0 $0 $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 929 $224,135,000 $241,000 $855,000 $111,000 $1,677,000
Not Provided 162 $42,710,000 $263,000 $695,000 $100,000 $522,000
Not applicable 40 $13,920,000 $348,000 $1,205,000 $318,000 $1,677,000
Hispanic 25 $6,075,000 $243,000 $715,000 $134,000 $444,000
American Indian or Alaskan Native 9 $945,000 $105,000 $205,000 $75,000 $142,000
Asian 5 $1,085,000 $217,000 $335,000 $136,000 $165,000
Black or African American 3 $715,000 $238,000 $295,000 $81,000 $134,000
Native Hawaiian or Other Pacific Islander 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) 915 $216,115,000 $236,000 $1,205,000 $118,000 $1,677,000
VA-guaranteed (Veterans Administration) 178 $55,390,000 $311,000 $705,000 $81,000 $272,000
FHA-insured (Federal Housing Administration) 77 $17,565,000 $228,000 $375,000 $57,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $940,000 $235,000 $265,000 $56,000 $72,000

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 741 $186,355,000 $251,000 $1,205,000 $115,000 $1,677,000
Application Withdrawn By Applicant 139 $35,795,000 $257,000 $685,000 $109,000 $864,000
Application Denied By Financial Institution 111 $21,085,000 $189,000 $715,000 $83,000 $420,000
Application Approved But Not Accepted 73 $17,235,000 $236,000 $515,000 $118,000 $827,000
File Closed For Incompleteness 56 $12,960,000 $231,000 $455,000 $90,000 $552,000
Loan Purchased By The Institution 54 $16,580,000 $307,000 $655,000 $198,000 $1,677,000
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 1,063 $268,925,000 $252,000 $1,205,000 $114,000 $1,677,000
Debt-To-Income Ratio 33 $5,845,000 $177,000 $455,000 $68,000 $318,000
Credit History 20 $3,260,000 $163,000 $465,000 $60,000 $144,000
Collateral 19 $3,095,000 $162,000 $635,000 $85,000 $242,000
Other 18 $3,710,000 $206,000 $655,000 $128,000 $360,000
Credit Application Incomplete 13 $2,645,000 $203,000 $315,000 $68,000 $140,000
Unverifiable Information 5 $1,325,000 $265,000 $425,000 $99,000 $165,000
Insufficient Cash (Downpayment, Closing Cost) 2 $870,000 $435,000 $715,000 $226,000 $420,000
Employment History 1 $335,000 $335,000 $335,000 $39,000 $39,000
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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