Buckingham County, VA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 601 mortgage applications in Buckingham County, VA totaling $106.7 million, up 9% from 2023. The average application was for $177,000, and applicants reported an average income of $86,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 110 applications, followed by Truist Bank and PennyMac Loan Services LLC.
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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 | 601 |
| Total Mortgage Loan Application Amount | $106,655,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $2,253,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 110 | $ 15,870,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 25 | $ 4,055,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 21 | $ 4,695,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ n/a | 19 | $ 1,715,000 |
| Benchmark Community Bank P O BOX 569 KENBRIDGE, VA 23944 |
* | $ n/a | 18 | $ 2,210,000 |
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ n/a | 15 | $ 2,085,000 |
| The Farmers Bank of Appomattox 223 MAIN ST APPOMATTOX, VA 24522 |
* | $ n/a | 14 | $ 1,600,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 14 | $ 2,580,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 13 | $ 3,345,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 12 | $ 2,830,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 12 | $ 2,680,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 10 | $ 2,400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 9 | $ 2,315,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 8 | $ 1,840,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 8 | $ 1,330,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 7 | $ 1,575,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ n/a | 7 | $ 1,075,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 7 | $ 1,165,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 1,455,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 340,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 6 | $ 1,060,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,690,000 |
| First Bank 112 W KING ST STRASBURG, VA 22657 |
* | $ n/a | 6 | $ 430,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 6 | $ 1,400,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 1,040,000 |
| The Bank of Charlotte County 101 BERKLEY STREET PHENIX, VA 23959 |
* | $ n/a | 6 | $ 1,880,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ n/a | 5 | $ 995,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 385,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ n/a | 5 | $ 1,195,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 325,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 625,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 5 | $ 1,225,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 4 | $ 1,800,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 4 | $ 280,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 4 | $ 930,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 760,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 4 | $ 560,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 910,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 4 | $ 680,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 150,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 185,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 365,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 655,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 485,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 915,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 525,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ n/a | 3 | $ 425,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 3 | $ 495,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ n/a | 3 | $ 245,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 3 | $ 525,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 3 | $ 435,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 3 | $ 675,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 3 | $ 415,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 975,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 3 | $ 665,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 315,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 690,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ n/a | 2 | $ 210,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 660,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 80,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ n/a | 2 | $ 680,000 |
| Bellco Credit Union 7600 E. ORCHARD ROAD #400N GREENWOOD VILLAGE, CO 80111 |
* | $ n/a | 2 | $ 140,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 410,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ n/a | 2 | $ 550,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 200,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 2 | $ 270,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 280,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 220,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 370,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 220,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 370,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 270,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 670,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 650,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 180,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 85,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 195,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 85,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 135,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 325,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 235,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ n/a | 1 | $ 285,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 1 | $ 305,000 |
| C&F Select LLC 1 PARK WEST CIRCLE SUITE 203 MIDLOTHIAN, VA 23113 |
* | $ n/a | 1 | $ 165,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ n/a | 1 | $ 285,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ n/a | 1 | $ 505,000 |
| Nation One Mortgage Corporatio 701 ROUTE 73 N SUITE 2 MARLTON, NJ 08053 |
* | $ n/a | 1 | $ 205,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 195,000 |
| Henrico Federal Credit Union 9401 WEST BROAD ST HENRICO, VA 23294 |
* | $ n/a | 1 | $ 75,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ n/a | 1 | $ 135,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 465,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 265,000 |
| Gray Fox Mortgage, LLC 1135 ROSE HILL DR STE 101 CHARLOTTESVILLE, VA 22903 |
* | $ n/a | 1 | $ 285,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 25,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 205,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 245,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 125,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 335,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 155,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 155,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 245,000 |
| Gte Federal Credit Union 711 E HENDERSON AVENUE TAMPA, FL 33602 |
* | $ n/a | 1 | $ 85,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 1 | $ 175,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 75,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 265,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 85,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 85,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ n/a | 1 | $ 245,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 295,000 |
| Agriculture Federal Credit Union 1400 INDEPENDENCE AVE SW WASHINGTON, DC 20250 |
* | $ n/a | 1 | $ 85,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ n/a | 1 | $ 315,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 355,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 205,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 95,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 45,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 275,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 465,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 1,005,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 75,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 205,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 1 | $ 225,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 325,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 45,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 75,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ n/a | 1 | $ 215,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2024 mortgage applications in Buckingham County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Buckingham County, VA in 2024
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 | 318 | $64,480,000 | $202,000 | $785,000 | $79,000 | $329,000 |
| Cash-out Refinancing | 95 | $17,965,000 | $189,000 | $795,000 | $80,000 | $337,000 |
| Other Purpose | 80 | $6,540,000 | $81,000 | $275,000 | $90,000 | $326,000 |
| Refinancing | 60 | $14,720,000 | $245,000 | $1,005,000 | $133,000 | $2,253,000 |
| Home Improvement | 47 | $2,945,000 | $62,000 | $165,000 | $99,000 | $720,000 |
| Not Applicable | 1 | $5,000 | $5,000 | $5,000 | $26,000 | $26,000 |
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 | 323 | $58,555,000 | $181,000 | $1,005,000 | $95,000 | $2,253,000 |
| Black or African American | 131 | $18,835,000 | $143,000 | $505,000 | $63,000 | $231,000 |
| Not Provided | 70 | $12,520,000 | $178,000 | $745,000 | $77,000 | $337,000 |
| Not applicable | 60 | $13,720,000 | $228,000 | $765,000 | $113,000 | $236,000 |
| Hispanic | 11 | $1,835,000 | $166,000 | $365,000 | $128,000 | $720,000 |
| American Indian or Alaskan Native | 3 | $465,000 | $155,000 | $275,000 | $84,000 | $118,000 |
| Asian | 2 | $460,000 | $230,000 | $245,000 | $75,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $306,000 | $306,000 |
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) | 404 | $61,650,000 | $152,000 | $1,005,000 | $92,000 | $2,253,000 |
| FHA-insured (Federal Housing Administration) | 130 | $25,950,000 | $199,000 | $375,000 | $68,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 53 | $15,975,000 | $301,000 | $735,000 | $80,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $3,080,000 | $220,000 | $295,000 | $73,000 | $92,000 |
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 | 259 | $50,005,000 | $193,000 | $785,000 | $90,000 | $337,000 |
| Application Denied By Financial Institution | 138 | $18,550,000 | $134,000 | $1,005,000 | $88,000 | $2,253,000 |
| File Closed For Incompleteness | 74 | $11,880,000 | $160,000 | $485,000 | $67,000 | $243,000 |
| Loan Purchased By The Institution | 61 | $13,875,000 | $227,000 | $765,000 | $118,000 | $236,000 |
| Application Withdrawn By Applicant | 56 | $10,560,000 | $188,000 | $705,000 | $90,000 | $720,000 |
| Application Approved But Not Accepted | 13 | $1,785,000 | $137,000 | $345,000 | $71,000 | $178,000 |
| 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 | 437 | $84,325,000 | $192,000 | $785,000 | $84,000 | $337,000 |
| Debt-To-Income Ratio | 60 | $8,250,000 | $137,000 | $795,000 | $75,000 | $720,000 |
| Credit History | 53 | $6,135,000 | $115,000 | $345,000 | $83,000 | $258,000 |
| Unverifiable Information | 22 | $3,130,000 | $142,000 | $335,000 | $62,000 | $123,000 |
| Collateral | 12 | $2,100,000 | $175,000 | $1,005,000 | $288,000 | $2,253,000 |
| Credit Application Incomplete | 10 | $1,520,000 | $152,000 | $365,000 | $66,000 | $100,000 |
| Other | 6 | $890,000 | $148,000 | $285,000 | $113,000 | $239,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $305,000 | $305,000 | $305,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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