Boundary County, ID Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,140 mortgage applications in Boundary County, ID totaling $291.1 million, up 8% from 2020. The average application was for $255,000, and applicants reported an average income of $90,000. 58% of applications resulted in an originated loan and 12% were denied. The most active lender was Glacier Bank, with 146 applications, followed by Primelending and Potlatch No 1 Financial Credit U.

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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 1,140
Total Mortgage Loan Application Amount $291,110,000
Average Mortgage Loan Application Amount $255,000
Highest Mortgage Loan Application Amount $1,655,000
Average Applicant Income $90,000
Highest Applicant Income $1,040,000

Mortgage Company List for Lending in Boundary County, ID for 2021

* 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
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 146 $ 35,550,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 82 $ 23,330,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 1,260,852,000 80 $ 13,060,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 68 $ 16,790,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 55 $ 12,365,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 32 $ 8,310,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 29 $ 6,935,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 14,071,995,000 26 $ 6,380,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 24 $ 5,630,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 24 $ 6,200,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 20 $ 6,830,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 5,070,732,000 19 $ 5,515,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ 3,290,019,000 19 $ 4,175,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 19 $ 5,255,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 18 $ 5,970,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 16 $ 5,670,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 13 $ 4,245,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 2,905,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 11 $ 3,005,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 11 $ 2,765,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 2,630,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,730,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 9 $ 3,185,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 2,305,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 12,304,722,000 9 $ 2,465,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 9 $ 2,775,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 2,020,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,715,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 7 $ 855,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 1,985,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 7 $ 1,635,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 7,151,922,000 6 $ 1,160,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 6 $ 2,090,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,160,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 6 $ 1,690,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,840,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 6 $ 980,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 1,445,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 1,085,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,385,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 5 $ 1,305,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 1,775,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 5 $ 1,505,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 4 $ 970,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 1,750,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 4 $ 580,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 1,010,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 870,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 4 $ 1,130,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 150,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,121,213,000 4 $ 440,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 695,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 1,405,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 3 $ 1,045,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 695,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 535,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 585,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 3 $ 935,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,420,261,000 3 $ 805,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 725,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 1,712,897,000 3 $ 735,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 905,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 3 $ 965,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 805,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 22,178,675,000 3 $ 455,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 380,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 580,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 680,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 750,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 400,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 570,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 1,488,662,000 2 $ 380,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 270,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 640,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 2 $ 590,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 760,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 2,515,180,000 2 $ 410,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 1,090,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 550,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 790,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 370,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 2 $ 650,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 450,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ -1,000 2 $ 720,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 590,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 610,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 540,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 397,795,000 1 $ 155,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 305,000
Vision One Mortgage, Inc.
13821 NEWPORT AVE. STE 110
TUSTIN, CA 92780
* $ -1,000 1 $ 205,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 245,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 1 $ 235,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ -1,000 1 $ 225,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 1 $ 1,075,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 11,335,522,000 1 $ 365,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 9,348,808,000 1 $ 155,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 345,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 1 $ 355,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,956,628,000 1 $ 735,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 205,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 245,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 385,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 92,657,948,000 1 $ 705,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 105,000
Rivermark Community Credit Union
14405 MEYERS RD
OREGON CITY, OR 97045
* $ 869,108,000 1 $ 195,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 29,303,000,000 1 $ 505,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 1 $ 355,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 394,658,000 1 $ 265,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 595,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 215,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 45,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 105,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 305,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 285,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 3,684,580,000 1 $ 205,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 215,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 525,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 215,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 1,340,089,000 1 $ 425,000
Columbia Credit Union
PO BOX 324
VANCOUVER, WA 98666
* $ 1,701,571,000 1 $ 575,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 315,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 1 $ 425,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 85,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 145,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 405,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 1 $ 545,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 215,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 355,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 295,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 1 $ 385,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 375,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 225,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 1 $ 325,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 165,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 841,254,000 1 $ 185,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 145,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 1 $ 435,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 1 $ 265,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 255,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,793,987,000 1 $ 195,000
Global
1500 W 4TH AVE
SPOKANE, WA 99201
* $ 474,266,000 1 $ 255,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 455,000

The tables below break down 2021 mortgage applications in Boundary 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 Boundary County, ID in 2021

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 370 $118,750,000 $320,000 $925,000 $97,000 $382,000
Cash-out Refinancing 332 $82,230,000 $247,000 $1,655,000 $89,000 $850,000
Refinancing 327 $75,095,000 $229,000 $765,000 $83,000 $1,040,000
Home Improvement 56 $7,060,000 $126,000 $425,000 $97,000 $657,000
Other Purpose 55 $7,975,000 $145,000 $505,000 $85,000 $458,000
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 830 $205,340,000 $247,000 $1,655,000 $90,000 $1,040,000
Not Provided 220 $62,090,000 $282,000 $885,000 $94,000 $850,000
Not applicable 52 $14,270,000 $274,000 $595,000 $0 $0
Hispanic 24 $6,210,000 $258,000 $545,000 $86,000 $189,000
American Indian or Alaskan Native 10 $2,290,000 $229,000 $425,000 $73,000 $107,000
Asian 3 $645,000 $215,000 $305,000 $81,000 $100,000
Black or African American 1 $265,000 $265,000 $265,000 $240,000 $240,000
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) 891 $221,375,000 $248,000 $1,655,000 $95,000 $1,040,000
VA-guaranteed (Veterans Administration) 163 $50,435,000 $309,000 $915,000 $77,000 $296,000
FHA-insured (Federal Housing Administration) 74 $16,310,000 $220,000 $405,000 $53,000 $114,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $2,990,000 $249,000 $635,000 $47,000 $64,000

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 660 $167,670,000 $254,000 $925,000 $90,000 $657,000
Application Withdrawn By Applicant 183 $49,845,000 $272,000 $1,655,000 $97,000 $1,040,000
Application Denied By Financial Institution 132 $29,920,000 $226,000 $885,000 $84,000 $850,000
Loan Purchased By The Institution 74 $21,020,000 $284,000 $595,000 $98,000 $229,000
File Closed For Incompleteness 58 $13,210,000 $227,000 $705,000 $82,000 $525,000
Application Approved But Not Accepted 32 $9,090,000 $284,000 $715,000 $90,000 $267,000
Preapproval Approved but not Accepted 1 $355,000 $355,000 $355,000 $55,000 $55,000
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 1,007 $260,825,000 $259,000 $1,655,000 $91,000 $1,040,000
Debt-To-Income Ratio 35 $8,775,000 $250,000 $665,000 $58,000 $435,000
Credit History 28 $5,700,000 $203,000 $735,000 $73,000 $251,000
Collateral 23 $3,485,000 $151,000 $475,000 $119,000 $733,000
Other 20 $4,440,000 $222,000 $845,000 $66,000 $149,000
Credit Application Incomplete 17 $4,075,000 $239,000 $485,000 $85,000 $166,000
Unverifiable Information 5 $2,035,000 $407,000 $885,000 $225,000 $850,000
Employment History 3 $795,000 $265,000 $455,000 $65,000 $140,000
Insufficient Cash (Downpayment, Closing Cost) 2 $980,000 $490,000 $695,000 $38,000 $38,000
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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