Bureau County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 837 mortgage applications in Bureau County, IL totaling $81.9 million, up 9% from 2014. The average application was for $97,000, and applicants reported an average income of $60,000. 60% of applications resulted in an originated loan and 19% were denied. The most active lender was Central Bank Illinois, with 135 applications, followed by Heartland Bank & Trust Company and Midland States 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 | 837 |
| Total Mortgage Loan Application Amount | $81,941,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $780,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $525,000 |
* 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 |
|---|---|---|---|---|
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ 497,969,000 | 135 | $ 14,670,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,508,876,000 | 104 | $ 8,695,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,790,595,000 | 74 | $ 6,435,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 869,784,000 | 72 | $ 6,437,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 32 | $ 3,518,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 29 | $ 2,403,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 26 | $ 2,481,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 19 | $ 1,529,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 2,562,000 |
| Centrue Bank 606 BROADWAY COAL CITY, IL 60416 |
* | $ 813,990,000 | 14 | $ 814,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 291,766,000 | 12 | $ 1,196,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 1,254,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 11 | $ 1,601,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 812,000 |
| First Federal Savings Bank 633 LASALLE ST OTTAWA, IL 61350 |
* | $ 377,350,000 | 9 | $ 905,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 900,812,000 | 9 | $ 389,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 8 | $ 661,000 |
| Hometown National Bank 260 BUCKLIN STREET LA SALLE, IL 61301 |
* | $ 211,212,000 | 8 | $ 822,000 |
| Farmers National Bank 114 W THIRD ST PROPHETSTOWN, IL 61277 |
* | $ 533,488,000 | 6 | $ 893,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ 249,372,000 | 6 | $ 261,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 605,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 563,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 5 | $ 474,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 485,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 5 | $ 652,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 374,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 415,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 380,000 |
| State Bank of Toulon 102 W MAIN STREET, PO BOX 609 TOULON, IL 61483 |
* | $ 202,513,000 | 4 | $ 1,359,000 |
| Brimfield Bank 123 E. KNOXVILLE STREET BRIMFIELD, IL 61517 |
* | $ 48,486,000 | 4 | $ 275,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 385,000 |
| First Federal Savings & Loan A 104 S. TREMONT STREET KEWANEE, IL 61443 |
* | $ 63,160,000 | 3 | $ 131,000 |
| American Commercial Bank & Trust, National Association 701 LASALLE ST OTTAWA, IL 61350 |
* | $ 273,113,000 | 3 | $ 286,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 273,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 484,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 2,040,425,000 | 3 | $ 304,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 3 | $ 37,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 318,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 3 | $ 411,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 3 | $ 492,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,496,905,000 | 2 | $ 157,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 2 | $ 154,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 2 | $ 275,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 156,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 2 | $ 174,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 283,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 2 | $ 257,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 141,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 176,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,508,574,000 | 2 | $ 100,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 127,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 355,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ 273,934,000 | 2 | $ 95,000 |
| Community State Bank 625 SE 2ND ST GALVA, IL 61434 |
* | $ 155,897,000 | 2 | $ 203,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 2 | $ 191,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 335,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,314,575,000 | 2 | $ 50,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 314,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 65,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 2 | $ 154,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Apci Federal Credit Union PO BOX 20147 LEHIGH VALLEY, PA 18002 |
* | $ 513,910,000 | 2 | $ 19,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 727,891,000 | 2 | $ 175,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 2 | $ 581,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 2 | $ 235,000 |
| Union Federal Savings and Loan 104 N TREMONT ST KEWANEE, IL 61443 |
* | $ 108,188,000 | 1 | $ 41,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 81,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 194,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 273,398,000 | 1 | $ 61,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 73,000 |
| Grundy Bank 201 LIBERTY STREET MORRIS, IL 60450 |
* | $ 265,520,000 | 1 | $ 90,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 205,241,000 | 1 | $ 102,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,477,918,000 | 1 | $ 96,000 |
| First National Bank of Rochelle 340 MAY MART DRIVE ROCHELLE, IL 61068 |
* | $ 260,395,000 | 1 | $ 180,000 |
| Selfreliance Federal Credit Union 2332 W CHICAGO AVENUE CHICAGO, IL 60622 |
* | $ 429,955,000 | 1 | $ 65,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 83,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 333,038,000 | 1 | $ 43,000 |
| Heritage Bank of Central Il 615 N TRIVOLI TRIVOLI, IL 61569 |
* | $ 269,870,000 | 1 | $ 109,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 28,000 |
| State Bank of Speer 14 MAIN ST. P.O. BOX 37 SPEER, IL 61479 |
* | $ 187,244,000 | 1 | $ 50,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 202,275,000 | 1 | $ 73,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 421,350,000 | 1 | $ 79,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 139,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 161,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 188,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 1 | $ 94,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 210,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 185,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 152,000 |
| American Midwest Bank 1985 DEKALB AVE SYCAMORE, IL 60178 |
* | $ 478,740,000 | 1 | $ 81,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,148,005,000 | 1 | $ 60,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 158,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 2,857,859,000 | 1 | $ 60,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 204,238,000 | 1 | $ 160,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 71,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 72,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 100,000 |
| National Asset Mortgage, LLC 4350 ST. ANDREWS RD.; SUITE F COLUMBIA, SC 29210 |
* | $ 3,392,190,000 | 1 | $ 29,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 660,993,000 | 1 | $ 38,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 107,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 487,730,000 | 1 | $ 86,000 |
| Greylock Federal Credit Union 150 WEST ST. PITTSFIELD, MA 01201 |
* | $ 1,074,827,000 | 1 | $ 5,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 132,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 1 | $ 13,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 113,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 1 | $ 121,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 1 | $ 145,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 5,000 |
The tables below break down 2015 mortgage applications in Bureau County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Bureau County, IL in 2015
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 | 388 | $37,601,000 | $96,000 | $390,000 | $56,000 | $525,000 |
| Refinancing | 387 | $41,628,000 | $107,000 | $780,000 | $64,000 | $480,000 |
| Home Improvement | 62 | $2,712,000 | $43,000 | $200,000 | $56,000 | $143,000 |
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 | 676 | $67,718,000 | $100,000 | $780,000 | $65,000 | $525,000 |
| Not applicable | 60 | $5,467,000 | $91,000 | $188,000 | $2,000 | $71,000 |
| Not Provided | 53 | $5,008,000 | $94,000 | $201,000 | $61,000 | $241,000 |
| Hispanic | 35 | $2,425,000 | $69,000 | $221,000 | $50,000 | $200,000 |
| Asian | 5 | $777,000 | $155,000 | $390,000 | $197,000 | $468,000 |
| Black or African American | 4 | $224,000 | $56,000 | $100,000 | $36,000 | $45,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $126,000 | $63,000 | $101,000 | $48,000 | $48,000 |
| American Indian or Alaskan Native | 2 | $196,000 | $98,000 | $148,000 | $65,000 | $86,000 |
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) | 593 | $56,418,000 | $95,000 | $780,000 | $68,000 | $525,000 |
| FHA-insured (Federal Housing Administration) | 119 | $12,100,000 | $101,000 | $244,000 | $40,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $6,019,000 | $82,000 | $194,000 | $29,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 52 | $7,404,000 | $142,000 | $292,000 | $60,000 | $174,000 |
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 | 505 | $50,040,000 | $99,000 | $780,000 | $67,000 | $525,000 |
| Application Denied By Financial Institution | 155 | $14,330,000 | $92,000 | $390,000 | $57,000 | $468,000 |
| Loan Purchased By The Institution | 69 | $6,407,000 | $92,000 | $284,000 | $13,000 | $93,000 |
| Application Withdrawn By Applicant | 65 | $7,649,000 | $117,000 | $343,000 | $68,000 | $480,000 |
| Application Approved But Not Accepted | 27 | $2,267,000 | $83,000 | $198,000 | $52,000 | $126,000 |
| File Closed For Incompleteness | 16 | $1,248,000 | $78,000 | $195,000 | $40,000 | $97,000 |
| 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 | 23 | $1,811,000 | $78,000 | $160,000 | $61,000 | $136,000 |
| Collateral | 19 | $2,141,000 | $112,000 | $334,000 | $67,000 | $202,000 |
| Debt-To-Income Ratio | 10 | $588,000 | $58,000 | $188,000 | $36,000 | $91,000 |
| Credit Application Incomplete | 5 | $409,000 | $81,000 | $126,000 | $60,000 | $94,000 |
| Other | 4 | $373,000 | $93,000 | $125,000 | $75,000 | $121,000 |
| Unverifiable Information | 3 | $341,000 | $113,000 | $144,000 | $45,000 | $55,000 |
| Employment History | 2 | $125,000 | $62,000 | $72,000 | $47,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $71,000 | $71,000 | $71,000 | $0 | $0 |
| 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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