Box Elder County, UT Mortgage Lenders & HMDA Data, 2008

In 2008, lenders reported 3,750 mortgage applications in Box Elder County, UT totaling $592.4 million, down 13% from 2007. The average application was for $157,000, and applicants reported an average income of $59,000. 46% of applications resulted in an originated loan and 18% were denied. The most active lender was Countrywide Bank FSB, with 455 applications, followed by Wells Fargo Bank, NA and America First Federal Credit Union.

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Total Number of Mortgage Applications 3,750
Total Mortgage Loan Application Amount $592,385,000
Average Mortgage Loan Application Amount $157,000
Highest Mortgage Loan Application Amount $990,000
Average Applicant Income $59,000
Highest Applicant Income $990,000

Mortgage Company List for Lending in Box Elder County, UT for 2008

* 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
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 121,054,736,000 455 $ 74,311,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 467,861,000,000 317 $ 48,747,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 4,156,253,000 262 $ 32,019,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,318,888,000,000 222 $ 33,863,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 185 $ 32,633,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 173 $ 27,461,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 232,759,503,000 140 $ 25,683,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 137 $ 18,092,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 18,878,056,000 136 $ 20,294,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 36,725,591,000 117 $ 19,412,000
Zions First National Bank
ONE S MAIN ST 11TH FL
SALT LAKE CITY, UT 84133
* $ 18,453,976,000 116 $ 20,466,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 696,225,000 115 $ 22,071,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 88 $ 15,167,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 78 $ 12,947,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE #2
MURRAY, UT 84107
* $ 10,000,000 77 $ 11,707,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 69 $ 11,212,000
Wells Fargo Fin'l Utah, Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 62 $ 8,345,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 56 $ 11,066,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 28,404,352,000 39 $ 7,621,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 36 $ 3,907,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 97,517,902,000 34 $ 349,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ 582,507,000 33 $ 4,552,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 32 $ 5,671,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 32 $ 4,499,000
Washington Federal S&L
425 PIKE STREET
SEATTLE, WA 98101
* $ 10,577,104,000 31 $ 6,852,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,757,171,000 30 $ 5,172,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 7,406,877,000 30 $ 5,057,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 29 $ 4,645,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 95,861,810,000 28 $ 2,786,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 28 $ 1,619,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 25 $ 4,792,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 23 $ 4,196,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 19 $ 2,890,000
American Sterling Bank
535 S STERLING
SUGAR CREEK, MO 64054
* $ 272,321,000 18 $ 3,338,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 14,839,190,000 17 $ 172,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 2,301,878,000 17 $ 2,544,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 16 $ 3,121,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,028,246,000 16 $ 1,376,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 15 $ 1,953,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ 10,000,000 15 $ 3,019,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ 10,000,000 14 $ 2,304,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,072,546,000 14 $ 2,906,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 303,000 13 $ 2,086,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 15,898,003,000 12 $ 1,923,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 56,294,475,000 12 $ 2,462,000
Affiliated Mortgage Company
1301 HUDSON LANE
MONROE, LA 71201
* $ 212,423,000 11 $ 2,676,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 175,107,526,000 11 $ 1,859,000
Universal Mortgage Corporation
12080 NORTH CORPORATE PKWY SUITE 100
MEQUON, WI 53092
* $ 10,000,000 10 $ 1,927,000
Utah Financial Inc.
189 FORT UNION BLVD
MIDVALE, UT 84047
* $ 17,168,000 9 $ 1,419,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 9 $ 1,769,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 9 $ 2,076,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,251,715,000,000 8 $ 1,531,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 16,938,391,000 8 $ 1,507,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 138,755,343,000 7 $ 1,392,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 343,735,670,000 6 $ 946,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 127,698,351,000 6 $ 1,080,000
Allen Mortgage, LLC
P.O. BOX 1168
CENTENNIAL PARK, AZ 86021
* $ 10,000,000 6 $ 802,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 30,219,506,000 6 $ 920,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 6 $ 772,000
Utah Mortgage Loan Corp
488 E 6400 S, 300
SALT LAKE CITY, UT 84107
* $ 10,000,000 6 $ 1,169,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 5 $ 1,080,000
Ctx Mortgage Company, LLC
1603 LBJ FREEWAY FL 6
DALLAS, TX 75234
* $ 31,000,000 5 $ 560,000
Mountain America Financial Ser
7181 S CAMPUS VIEW DR
WEST JORDAN, UT 84084
* $ 1,694,905,000 5 $ 1,080,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 5 $ 990,000
Mountain West Bank
P O BOX 1059
COEUR D'ALENE, ID 83816
* $ 1,037,874,000 5 $ 772,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 275,851,000 5 $ 830,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,970,989,000 5 $ 600,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 77,748,330,000 5 $ 1,073,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,312,794,218,000 4 $ 632,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 79,977,597,000 4 $ 872,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 418,629,000 4 $ 461,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ 10,000,000 4 $ 731,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 735,000
Intermountain Industries Inc
2474 PATTERSON ROAD, STE. 200
GRAND JUNCTION, CO 81505
* $ 1,354,081,000 4 $ 826,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 4 $ 685,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 4 $ 607,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 4 $ 554,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 3 $ 635,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 3 $ 452,000
Cherry Creek Mortgage Co., Inc
7600 EAST ORCHARD RD., STE 250-N
GREENWOOD VILLAGE, CO 80111
* $ 10,000,000 3 $ 587,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ 10,000,000 3 $ 689,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 3 $ 437,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 249,679,000 3 $ 518,000
Gb Mortgage, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 29,183,000 3 $ 277,000
Guaranty Bank
8333 DOUGLAS AVENUE
DALLAS, TX 75225
* $ 16,674,004,000 3 $ 514,000
Beneficial Financial I, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 11,000,000 3 $ 418,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 290,400,000 3 $ 681,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 3 $ 411,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 3 $ 482,000
Barnes Banking Company
33 S MAIN ST., PO BOX 207
KAYSVILLE, UT 84037
* $ 874,860,000 3 $ 971,000
Sterling National Mortgage Co.
98 CUTTERMILL RD
GREAT NECK, NY 11021
* $ 964,388,000 2 $ 291,000
Citi Residential Lending Inc.
153 EAST 53RD ST, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,121,487,000 2 $ 371,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 124,782,289,000 2 $ 47,000
Americanwest Bank
P O BOX 105
CHEWELAH, WA 99109
* $ 2,118,772,000 2 $ 353,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,507,032,000 2 $ 497,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 16,047,364,000 2 $ 548,000
Progressive Mortgage Company
125 S. FIFTH AVE.
ANN ARBOR, MI 48104
* $ 327,000,000 2 $ 441,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 2 $ 68,000
Granite Federal Credit Union
3675 S 900 E
SALT LAKE CITY, UT 84106
* $ 240,613,000 2 $ 282,000
Weber Credit Union
975 WASHINGTON BLVD
OGDEN, UT 84404
* $ 76,021,000 2 $ 80,000
Premium Capital Funding LLC
125 JERICHO TPKE
JERICHO, NY 11753
* $ 10,000,000 2 $ 353,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 2 $ 7,000
American Mortgage Specialists
16100 N GREENWAY HAYDEN LOOP STE 108
SCOTTSDALE, AZ 85260
* $ 38,791,000 2 $ 345,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ 12,500,000 2 $ 555,000
Bankerswest Funding Corporatio
17595 ALMAHURST STREET, SUITE 100A
CITY OF INDUSTRY, CA 91748
* $ 10,000,000 2 $ 288,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 320,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 126,000
Pinnacle Mortgage Group, Inc.
3605 SOUTH TELLER ST
LAKEWOOD, CO 80235
* $ 10,000,000 1 $ 200,000
Atherton Mortgage
1481 SOUTH STATE
OREM, UT 84097
* $ 383,000 1 $ 159,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 1 $ 121,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 204,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 400,000
Land/Home Financial Services
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 174,000
Iserve Residential Lending
13520 EVENING CREEK DRIVE SUITE #400
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 136,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 152,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 16,000
Lime Financial Services, Ltd.
3815 SOUTH WEST TEMPLE
SALT LAKE CITY, UT 84115
* $ 10,000,000 1 $ 306,000
Summit Mortgage Corporation
13355 10TH AVE N, #100
PLYMOUTH, MN 55441
* $ 10,000,000 1 $ 158,000
Stonewater Mortgage Corporatio
603 N. WILMOT ROAD
TUCSON, AZ 85711
* $ 10,000,000 1 $ 232,000
Trust One Mortgage Corporation
108 PACIFICA, SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 310,000
Unitrust Mortgage, Inc.
11230 SORRENTO VALLEY ROAD SUITE 215
SAN DIEGO, CA 92121
* $ 585,000 1 $ 329,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 1 $ 50,000
Megastar Financial
1080 CHEROKEE ST
DENVER, CO 80204
* $ 10,000,000 1 $ 134,000
Assurity Financial Services
6025 SOUTH QUEBEC STREET, #260
ENGLEWOOD, CO 80111
* $ 10,000,000 1 $ 231,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 1 $ 211,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 115,000
Ccsf, LLC
8925 S. PECOS RD., SUITE 16-A
HENDERSON, NV 89074
* $ 10,000,000 1 $ 111,000
Prospect Mortgage, LLC
15301 VENTURA BLVD. SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 113,000
Ark-La-Tex Financial Services
5160 TENNYSON PKWY, SUITE 2000W
PLANO, TX 75024
* $ 10,000,000 1 $ 138,000
Idaho Independent Bank
1260 W RIVERSTONE DR
COEUR D ALENE, ID 83814
* $ 625,922,000 1 $ 89,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 171,611,000 1 $ 145,000
Centennial Bank
4605 HARRISON BLVD SUITE #1
OGDEN, UT 84403
* $ 234,066,000 1 $ 200,000
Principal Bank
711 HIGH STREET
DES MOINES, IA 50392
* $ 1,944,868,000 1 $ 76,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 5,518,089,000 1 $ 167,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 33,011,920,000 1 $ 185,000
Blue Federal Credit Union
PO BOX 3200
CHEYENNE, WY 82001
* $ 207,162,000 1 $ 34,000
Ascent Federal Credit Union
4140 HARRISON BLVD
OGDEN, UT 84403
* $ 78,429,000 1 $ 257,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ 821,078,000 1 $ 113,000
Mountain High Credit Union
4051 S. 1900 W.
ROY, UT 84405
* $ 59,241,000 1 $ 152,000
Guaranty Bank, FSB
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,795,053,000 1 $ 173,000
Merrill Lynch Credit Corp.
4804 DEER LAKE DRIVE EAST BLDG 3 FL 5
JACKSONVILLE, FL 32246
* $ 4,500,000,000 1 $ 114,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 180,000
Bankmortgagesolutions LLC
14425 COLLEGE BLVD SUITE 100
LENEXA, KS 66215
* $ 11,000,000 1 $ 153,000
Rbs Citizens, N.A.
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 128,863,082,000 1 $ 40,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 118,000
Wachovia Mortgage Corp
301 S COLLEGE ST
CHARLOTTE, NC 28202
* $ 2,687,938,000 1 $ 92,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 3,154,401,000 1 $ 181,000
Wells Fargo Fin'l California
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 1 $ 125,000

The tables below break down 2008 mortgage applications in Box Elder County, UT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Box Elder County, UT in 2008

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 2,393 $388,659,000 $162,000 $990,000 $60,000 $990,000
Home Purchase 1,129 $188,548,000 $167,000 $850,000 $57,000 $549,000
Home Improvement 228 $15,178,000 $66,000 $309,000 $63,000 $260,000

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 3,065 $485,972,000 $158,000 $850,000 $64,000 $990,000
Not applicable 290 $52,290,000 $180,000 $990,000 $13,000 $252,000
Not Provided 192 $26,083,000 $135,000 $394,000 $62,000 $175,000
Hispanic 147 $19,753,000 $134,000 $400,000 $50,000 $195,000
Asian 23 $3,043,000 $132,000 $247,000 $59,000 $122,000
American Indian or Alaskan Native 17 $2,534,000 $149,000 $507,000 $56,000 $158,000
Native Hawaiian or Other Pacific Islander 9 $1,754,000 $194,000 $328,000 $65,000 $125,000
Black or African American 7 $956,000 $136,000 $152,000 $43,000 $50,000

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) 2,534 $398,276,000 $157,000 $990,000 $65,000 $990,000
FHA-insured (Federal Housing Administration) 990 $158,529,000 $160,000 $353,000 $50,000 $202,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 166 $24,043,000 $144,000 $281,000 $28,000 $72,000
VA-guaranteed (Veterans Administration) 60 $11,537,000 $192,000 $396,000 $48,000 $167,000

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 1,716 $274,139,000 $159,000 $850,000 $64,000 $990,000
Loan Purchased By The Institution 755 $129,438,000 $171,000 $417,000 $39,000 $255,000
Application Denied By Financial Institution 687 $97,325,000 $141,000 $507,000 $63,000 $850,000
Application Withdrawn By Applicant 297 $47,481,000 $159,000 $450,000 $64,000 $235,000
Application Approved But Not Accepted 249 $38,140,000 $153,000 $990,000 $66,000 $260,000
File Closed For Incompleteness 46 $5,862,000 $127,000 $275,000 $70,000 $564,000
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
Credit History 123 $10,818,000 $87,000 $425,000 $56,000 $260,000
Collateral 114 $18,164,000 $159,000 $441,000 $71,000 $261,000
Debt-To-Income Ratio 91 $15,041,000 $165,000 $457,000 $44,000 $168,000
Credit Application Incomplete 51 $9,904,000 $194,000 $417,000 $75,000 $190,000
Other 50 $6,735,000 $134,000 $417,000 $77,000 $300,000
Unverifiable Information 20 $3,732,000 $186,000 $400,000 $71,000 $186,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,471,000 $210,000 $417,000 $108,000 $222,000
Employment History 5 $480,000 $96,000 $158,000 $52,000 $64,000
Mortgage Insurance Denied 1 $151,000 $151,000 $151,000 $68,000 $68,000

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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