Bryan County, OK Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 2,183 mortgage applications in Bryan County, OK totaling $360.3 million, up 35% from 2019. The average application was for $165,000, and applicants reported an average income of $89,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was First United Bank and Trust Company, with 452 applications, followed by Guild Mortgage Company and Gateway First 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 2,183
Total Mortgage Loan Application Amount $360,285,000
Average Mortgage Loan Application Amount $165,000
Highest Mortgage Loan Application Amount $7,785,000
Average Applicant Income $89,000
Highest Applicant Income $2,150,000

Mortgage Company List for Lending in Bryan County, OK 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
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 8,090,901,000 452 $ 68,940,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 280 $ 49,190,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 238 $ 42,560,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 177 $ 15,565,000
Vision Bank
PO BOX 669
ADA, OK 74820
* $ 690,210,000 71 $ 12,455,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 64 $ 9,530,000
First Texoma National Bank
220 W MAIN
DURANT, OK 74701
* $ 185,533,000 56 $ 5,260,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 51 $ 9,265,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 198,963,000 39 $ 6,195,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 38 $ 6,910,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 37 $ 6,185,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 35 $ 4,865,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 29 $ 2,135,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 28 $ 5,480,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 28 $ 2,450,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 26 $ 2,460,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 20 $ 4,210,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 19 $ 3,105,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 17 $ 3,465,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 7,724,832,000 14 $ 2,930,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 2,785,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 13 $ 2,125,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 13 $ 1,145,000
American Nation Bank
1901 N COMMERCE STREET
ARDMORE, OK 73401
* $ 445,868,000 12 $ 1,630,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 12 $ 1,130,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 10 $ 1,260,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 10 $ 1,180,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 9 $ 2,055,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 1,495,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 1,640,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 7 $ 1,185,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,085,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 7 $ 695,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 6 $ 1,070,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,360,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 5 $ 755,000
Town Square Mortgage & Investments LLC
17300 DALLAS PKWY, STE 1030
DALLAS, TX 75248
* $ -1,000 5 $ 1,055,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 5 $ 1,235,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 5 $ 1,035,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 5 $ 965,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 5 $ 1,325,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 5 $ 395,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 4,228,679,000 4 $ 710,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 770,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 740,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 4 $ 730,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 540,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 635,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 814,382,000 3 $ 625,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 3 $ 335,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 865,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 795,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 3 $ 955,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 3 $ 755,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 1,309,884,000 3 $ 775,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 465,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 265,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 3 $ 565,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 615,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 445,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 330,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 350,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 540,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 2 $ 320,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 14,953,260,000 2 $ 210,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 554,267,000 2 $ 230,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 290,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 230,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 2 $ 240,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 2 $ 240,000
Core Bank
12100 W CENTER RD
OMAHA, NE 68118
* $ 593,829,000 2 $ 330,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 210,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 310,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 2 $ 220,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 2 $ 360,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 2 $ 410,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 629,553,000 2 $ 290,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 450,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 2 $ 710,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 130,000
First State Bank
801 E CALIFORNIA STREET
GAINESVILLE, TX 76240
* $ 1,147,965,000 2 $ 330,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 1,188,467,000 2 $ 190,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 65,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 445,000
First Bank
300 E THRID
BURKBURNETT, TX 76359
* $ 478,725,000 1 $ 285,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 445,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 245,000
Ent Credit Union (68671)
7250 CAMPUS DRIVE
COLORADO SPRINGS, CO 80921
* $ 6,685,914,000 1 $ 55,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 185,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 475,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 205,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,166,684,000 1 $ 225,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 135,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 135,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 2,179,218,000 1 $ 85,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 215,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 305,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 375,000
Financial Concpepts Mortgage
2949 S BRYANT
EDMOND, OK 73013
* $ -1,000 1 $ 135,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ -1,000 1 $ 165,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 205,000
Valor Bank
1501 RENAISSANCE BLVD
EDMOND, OK 73013
* $ 100,086,000 1 $ 185,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 105,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ -1,000 1 $ 5,405,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 185,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 145,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 95,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 195,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 115,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 21,061,188,000 1 $ 105,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 305,000
Mabrey Bank
P O BOX 130
BIXBY, OK 74008
* $ 1,173,300,000 1 $ 255,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 145,000
Firstar Bank
1720 E CHEROKEE AVE
SALLISAW, OK 74955
* $ 710,305,000 1 $ 275,000
Chambers Bank
901 MAIN STREET
DANVILLE, AR 72833
* $ 971,743,000 1 $ 5,505,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 841,254,000 1 $ 45,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 165,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 195,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,630,739,000 1 $ 45,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 3,235,138,000 1 $ 145,000
Oklahoma Educators Credit Union
4001 NW EXPRESSWAY
OKLAHOMA CITY, OK 73116
* $ 166,993,000 1 $ 275,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ -1,000 1 $ 85,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 1 $ 365,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 35,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 325,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 285,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 205,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 55,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 255,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 115,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 185,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 175,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 255,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 55,000
Best Capital Funding
21540 PLUMMER STREET, SUITE A
CHATSWORTH, CA 91311
* $ -1,000 1 $ 55,000
First American Mortgage, Inc.
1501 S. RANCHWOOD BLVD.
YUKON, OK 73099
* $ -1,000 1 $ 365,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 85,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 580,520,000 1 $ 175,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 1 $ 205,000
U.S. Eagle Federal Credit Union
5201 ANTEQUERA NW
ALBUQUERQUE, NM 87120
* $ 1,069,474,000 1 $ 85,000
American State Bank
525 N MAIN AVE, PO BOX 140
SIOUX CENTER, IA 51250
* $ 948,382,000 1 $ 135,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 1 $ 115,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 265,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 480,916,000 1 $ 115,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 1 $ 355,000
Bellwether Enterprise Real Estate Capital, LLC
1360 E. 9TH STREET SUITE 300
CLEVELAND, OH 44114
* $ -1,000 1 $ 7,785,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 75,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 1 $ 195,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 55,000

The tables below break down 2020 mortgage applications in Bryan County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Bryan County, OK 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
Home Purchase 1,147 $183,215,000 $159,000 $5,505,000 $80,000 $2,150,000
Refinancing 643 $112,145,000 $174,000 $605,000 $96,000 $1,911,000
Cash-out Refinancing 249 $53,205,000 $213,000 $7,785,000 $104,000 $610,000
Other Purpose 90 $7,180,000 $79,000 $395,000 $106,000 $525,000
Home Improvement 30 $2,100,000 $70,000 $315,000 $85,000 $180,000
Not Applicable 24 $2,440,000 $101,000 $195,000 $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 1,448 $228,810,000 $158,000 $1,165,000 $90,000 $2,150,000
American Indian or Alaskan Native 236 $35,320,000 $149,000 $515,000 $78,000 $384,000
Not applicable 184 $45,170,000 $245,000 $7,785,000 $128,000 $226,000
Not Provided 170 $29,930,000 $176,000 $525,000 $92,000 $457,000
Hispanic 76 $10,460,000 $137,000 $465,000 $64,000 $175,000
Asian 29 $4,365,000 $150,000 $345,000 $111,000 $195,000
Black or African American 21 $3,205,000 $152,000 $285,000 $88,000 $300,000
Native Hawaiian or Other Pacific Islander 4 $630,000 $157,000 $205,000 $56,000 $67,000

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) 1,521 $247,705,000 $162,000 $7,785,000 $97,000 $2,150,000
FHA-insured (Federal Housing Administration) 328 $50,750,000 $154,000 $335,000 $67,000 $300,000
VA-guaranteed (Veterans Administration) 207 $42,255,000 $204,000 $525,000 $65,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 127 $19,575,000 $154,000 $265,000 $54,000 $105,000

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 1,262 $220,070,000 $174,000 $7,785,000 $97,000 $2,150,000
Application Denied By Financial Institution 339 $43,175,000 $127,000 $665,000 $71,000 $898,000
Application Withdrawn By Applicant 270 $52,040,000 $192,000 $5,505,000 $83,000 $426,000
File Closed For Incompleteness 117 $15,865,000 $135,000 $495,000 $72,000 $278,000
Loan Purchased By The Institution 115 $17,935,000 $155,000 $375,000 $111,000 $226,000
Application Approved But Not Accepted 79 $10,955,000 $138,000 $505,000 $74,000 $229,000
Preapproval Approved but not Accepted 1 $245,000 $245,000 $245,000 $48,000 $48,000
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 1,780 $304,780,000 $171,000 $7,785,000 $92,000 $2,150,000
Credit History 166 $17,410,000 $104,000 $435,000 $69,000 $898,000
Debt-To-Income Ratio 136 $23,200,000 $170,000 $5,505,000 $66,000 $594,000
Collateral 30 $4,290,000 $143,000 $665,000 $87,000 $215,000
Other 22 $3,190,000 $145,000 $305,000 $89,000 $341,000
Credit Application Incomplete 21 $3,395,000 $161,000 $455,000 $84,000 $168,000
Unverifiable Information 14 $1,650,000 $117,000 $395,000 $95,000 $525,000
Employment History 7 $1,435,000 $205,000 $335,000 $72,000 $181,000
Insufficient Cash (Downpayment, Closing Cost) 7 $935,000 $133,000 $285,000 $61,000 $114,000
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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