Boone County, AR Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,838 mortgage applications in Boone County, AR totaling $287.2 million, down 19% from 2021. The average application was for $156,000, and applicants reported an average income of $77,000. 58% of applications resulted in an originated loan and 12% were denied. The most active lender was Equity Bank, with 151 applications, followed by Arvest Bank and Plains Commerce Bank.

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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 1,838
Total Mortgage Loan Application Amount $287,180,000
Average Mortgage Loan Application Amount $156,000
Highest Mortgage Loan Application Amount $3,605,000
Average Applicant Income $77,000
Highest Applicant Income $1,512,000

Mortgage Company List for Lending in Boone County, AR for 2022

* 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
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 5,141,072,000 151 $ 20,925,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 150 $ 16,810,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 112 $ 20,600,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 92 $ 17,230,000
Anstaff Bank
PO BOX 1900
GREEN FOREST, AR 72638
* $ 962,373,000 83 $ 13,005,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 74 $ 12,470,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ 2,049,696,000 65 $ 11,625,000
Cs Bank
PO BOX 309, 152 EAST VAN BUREN
EUREKA SPRINGS, AR 72632
* $ 480,019,000 54 $ 7,330,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 48 $ 8,830,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 48 $ 7,780,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 43 $ 2,855,000
Bank of 1889
PO 367
BERRYVILLE, AR 72616
* $ 280,283,000 38 $ 3,080,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 36 $ 5,630,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 31 $ 4,355,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 28 $ 5,910,000
Signature Bank of Arkansas
3878 N CROSSOVER ROAD STE 20
FAYETTEVILLE, AR 72703
* $ 851,707,000 27 $ 4,245,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 27 $ 4,925,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 27 $ 5,245,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 25 $ 3,985,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 25 $ 4,265,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 23 $ 4,935,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 22 $ 1,960,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 20 $ 1,390,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 20 $ 2,390,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 20 $ 3,550,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 2,165,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 18 $ 2,390,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 17 $ 3,495,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 677,079,000 15 $ 1,685,000
Stone Bank
900 S SHACKLEFORD RD #210
LITTLE ROCK, AR 72211
* $ 553,701,000 14 $ 5,380,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 1,375,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 13 $ 2,965,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 13 $ 1,915,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 26,530,430,000 12 $ 700,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 12 $ 2,110,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 10 $ 2,730,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 10 $ 1,720,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 9 $ 1,185,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 9 $ 475,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 9 $ 2,005,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,145,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,620,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 940,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 7 $ 1,065,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 7 $ 695,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 7 $ 885,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 7 $ 1,435,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ 1,730,211,000 7 $ 815,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 7 $ 1,975,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 6 $ 630,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 5 $ 965,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 485,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 5 $ 855,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 5 $ 505,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 5 $ 755,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 4 $ 590,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 430,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 4 $ 490,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 4 $ 610,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 700,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 50,093,398,000 4 $ 600,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 4 $ 480,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 660,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 750,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 555,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 3 $ 435,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 565,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 3 $ 505,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 2,818,411,000 3 $ 395,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 445,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 395,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 502,207,000 3 $ 485,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 600,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 150,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 2 $ 110,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 280,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 260,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 18,017,667,000 2 $ 150,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 2 $ 1,370,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 370,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 2 $ 540,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 2 $ 550,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 2 $ 210,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 2 $ 410,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 2 $ 290,000
The Farmers & Merchants Bank
708 S MAIN ST
STUTTGART, AR 72160
* $ 1,737,079,000 2 $ 260,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 580,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 500,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 770,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 250,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 340,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 2 $ 250,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 240,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 320,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 2 $ 590,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 2 $ 350,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 95,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 195,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ -1,000 1 $ 115,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 275,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 345,000
Amnet Esop Corp dba American Mortgage Network
347 3RD AVE 2ND FLOOR
CHULA VISTA, CA 91910
* $ -1,000 1 $ 185,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 165,000
Charter West Bank
201 SOUTH MAIN STREET PO BOX 288
WEST POINT, NE 68788
* $ 405,261,000 1 $ 75,000
Jefferson Financial Federal Credit Union

BILOXI, MS 39531
* $ 847,141,000 1 $ 95,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 3,975,223,000 1 $ 115,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 1 $ 155,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 115,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 1,000,660,000 1 $ 75,000
First Security Bank
PO BOX 938
SEARCY, AR 72143
* $ 8,218,007,000 1 $ 155,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 713,131,000 1 $ 65,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ -1,000 1 $ 75,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 9,203,588,000 1 $ 185,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 1 $ 275,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 75,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 125,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 75,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 1 $ 55,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 1 $ 245,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 235,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 125,000
Firstar Bank
1720 E CHEROKEE AVE
SALLISAW, OK 74955
* $ 806,427,000 1 $ 235,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 414,678,000 1 $ 165,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 349,214,000 1 $ 135,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 1 $ 165,000
Grand Valley Bank

FRUITA, CO 81521
* $ 582,595,000 1 $ 125,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,905,965,000 1 $ 75,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 185,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 215,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 145,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 235,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 265,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 205,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ 1,051,472,000 1 $ 95,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 145,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 115,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 415,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 215,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 515,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,886,658,000 1 $ 55,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 290,729,000 1 $ 185,000
Encore Bank
1801 RAHLING RD
LITTLE ROCK, AR 72223
* $ 1,632,951,000 1 $ 255,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 115,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 105,000
First National Bank of Fort Smith
602 GARRISON AVE
FORT SMITH, AR 72901
* $ 1,898,968,000 1 $ 165,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,823,981,000 1 $ 95,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 255,000
Fnbc Bank
636 ASH FLAT DR
ASH FLAT, AR 72513
* $ 634,724,000 1 $ 15,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 175,000
Telcoe Federal Credit Union
PO BOX 34200
LITTLE ROCK, AR 72201
* $ 450,833,000 1 $ 275,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 355,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 45,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 265,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 3,590,117,000 1 $ 205,000

The tables below break down 2022 mortgage applications in Boone County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Boone County, AR in 2022

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 981 $175,545,000 $178,000 $1,005,000 $80,000 $1,512,000
Cash-out Refinancing 358 $54,890,000 $153,000 $455,000 $66,000 $270,000
Refinancing 258 $40,410,000 $156,000 $3,605,000 $84,000 $1,315,000
Home Improvement 123 $9,145,000 $74,000 $395,000 $75,000 $350,000
Other Purpose 115 $6,955,000 $60,000 $255,000 $81,000 $1,200,000
Not Applicable 3 $235,000 $78,000 $115,000 $22,000 $22,000

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 1,413 $213,745,000 $151,000 $1,005,000 $78,000 $1,512,000
Not applicable 220 $41,020,000 $186,000 $3,605,000 $94,000 $193,000
Not Provided 156 $25,930,000 $166,000 $535,000 $73,000 $371,000
American Indian or Alaskan Native 21 $2,595,000 $123,000 $245,000 $71,000 $240,000
Hispanic 16 $2,110,000 $131,000 $255,000 $65,000 $142,000
Asian 7 $1,165,000 $166,000 $355,000 $125,000 $248,000
Black or African American 2 $290,000 $145,000 $145,000 $37,000 $37,000
Native Hawaiian or Other Pacific Islander 2 $190,000 $95,000 $115,000 $64,000 $106,000

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) 1,263 $183,925,000 $145,000 $3,605,000 $83,000 $1,512,000
FHA-insured (Federal Housing Administration) 236 $38,880,000 $164,000 $335,000 $62,000 $240,000
VA-guaranteed (Veterans Administration) 176 $40,170,000 $228,000 $515,000 $76,000 $270,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 163 $24,205,000 $148,000 $365,000 $50,000 $96,000

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 1,061 $167,945,000 $158,000 $3,605,000 $80,000 $1,512,000
Application Withdrawn By Applicant 284 $48,190,000 $169,000 $1,005,000 $80,000 $1,200,000
Application Denied By Financial Institution 227 $26,335,000 $116,000 $475,000 $62,000 $509,000
Loan Purchased By The Institution 177 $32,865,000 $185,000 $455,000 $94,000 $248,000
File Closed For Incompleteness 53 $6,445,000 $121,000 $295,000 $73,000 $252,000
Application Approved But Not Accepted 34 $5,170,000 $152,000 $325,000 $62,000 $128,000
Preapproval Approved but not Accepted 2 $230,000 $115,000 $115,000 $35,000 $47,000
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 1,427 $232,705,000 $163,000 $1,005,000 $77,000 $1,512,000
Debt-To-Income Ratio 255 $37,085,000 $145,000 $3,605,000 $84,000 $1,315,000
Credit History 62 $5,400,000 $87,000 $285,000 $70,000 $327,000
Collateral 34 $4,190,000 $123,000 $415,000 $79,000 $509,000
Credit Application Incomplete 23 $2,845,000 $123,000 $345,000 $93,000 $350,000
Other 16 $2,010,000 $125,000 $285,000 $67,000 $206,000
Unverifiable Information 10 $1,510,000 $151,000 $255,000 $63,000 $142,000
Employment History 8 $880,000 $110,000 $175,000 $36,000 $85,000
Insufficient Cash (Downpayment, Closing Cost) 3 $555,000 $185,000 $345,000 $65,000 $122,000
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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