Burleigh County, ND Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 6,888 mortgage applications in Burleigh County, ND totaling $1.2 billion, up 32% from 2011. The average application was for $169,000, and applicants reported an average income of $82,000. 69% of applications resulted in an originated loan and 6% were denied. The most active lender was Wells Fargo Bank NA, with 1,142 applications, followed by Gate City Bank and Dakota Community Bank & Trust, NA.
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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 | 6,888 |
| Total Mortgage Loan Application Amount | $1,164,366,000 |
| Average Mortgage Loan Application Amount | $169,000 |
| Highest Mortgage Loan Application Amount | $4,200,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,269,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 1,142 | $ 198,499,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,403,013,000 | 928 | $ 149,071,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 570,006,000 | 426 | $ 72,502,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 924,641,000 | 403 | $ 67,734,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 266,422,000 | 401 | $ 70,626,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 285,661,000 | 366 | $ 48,905,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 140,532,000 | 359 | $ 60,370,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 351 | $ 67,039,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 270 | $ 52,666,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 896,529,000 | 255 | $ 47,490,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 245 | $ 27,509,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 228 | $ 39,608,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 214 | $ 37,792,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 167,844,000 | 157 | $ 24,674,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 130 | $ 22,445,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 107 | $ 19,838,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 381,178,000 | 73 | $ 8,890,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 65 | $ 10,245,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,562,058,000 | 64 | $ 14,643,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 38 | $ 7,684,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 34 | $ 4,306,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 348,257,000 | 31 | $ 5,422,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 60,007,000 | 31 | $ 2,456,000 |
| Northland Financial 115 E BROADWAY STEELE, ND 58482 |
* | $ 176,859,000 | 31 | $ 6,756,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 30 | $ 4,923,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 28 | $ 4,679,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 26 | $ 4,811,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 20 | $ 4,004,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 19 | $ 2,636,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 18 | $ 2,551,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,088,724,000 | 15 | $ 2,635,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 14 | $ 3,137,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 13 | $ 2,264,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 13 | $ 1,802,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 2,175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 609,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 10 | $ 1,653,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 9 | $ 1,370,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 9 | $ 1,436,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 9 | $ 1,536,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 739,907,000 | 8 | $ 388,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 8 | $ 1,286,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 8 | $ 1,586,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,154,398,000 | 8 | $ 1,709,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 7 | $ 2,490,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 7 | $ 1,310,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 7 | $ 1,062,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 296,912,000 | 5 | $ 785,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 5 | $ 1,127,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 5 | $ 782,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 5 | $ 785,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 5 | $ 778,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 5 | $ 817,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 5 | $ 705,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 1,080,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 730,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 743,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 601,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,241,069,000 | 4 | $ 916,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 4 | $ 1,033,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 4 | $ 729,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 4 | $ 717,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 4 | $ 197,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,226,619,000 | 3 | $ 635,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 3 | $ 420,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 3 | $ 775,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 3 | $ 641,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,459,365,000 | 3 | $ 545,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 1,902,620,000 | 3 | $ 2,276,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 471,627,000 | 3 | $ 602,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 3 | $ 542,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 671,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 3 | $ 950,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 3 | $ 687,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 3 | $ 841,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 202,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 238,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 2 | $ 532,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 575,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 2 | $ 259,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 246,000 |
| Bremer Bank NA (St Cloud) 1100 ST GERMAIN ST CLOUD, MN 56301 |
* | $ 608,648,000 | 2 | $ 460,000 |
| Bank of Whittier, NA 15141 E WHITTIER BLVD WHITTIER, CA 90603 |
* | $ 49,298,000 | 2 | $ 339,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 223,553,000 | 2 | $ 226,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 488,840,000 | 2 | $ 1,072,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 230,524,000 | 2 | $ 477,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 284,555,000 | 2 | $ 370,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 2 | $ 15,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 2,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 188,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 477,611,000 | 1 | $ 249,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 898,474,000 | 1 | $ 140,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 45,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,163,507,000 | 1 | $ 178,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 5,152,186,000 | 1 | $ 275,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 1 | $ 8,000 |
| First State Bank of Nd 340 MAIN STREET, PO BOX 98 ARTHUR, ND 58006 |
* | $ 283,605,000 | 1 | $ 176,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 593,779,000 | 1 | $ 960,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,119,448,000 | 1 | $ 91,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 1 | $ 352,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,115,825,000 | 1 | $ 210,000 |
| Mill City Credit Union 9999 WAYZATA BOULEVARD MINNETONKA, MN 55305 |
* | $ 285,094,000 | 1 | $ 150,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 195,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 69,906,000 | 1 | $ 12,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,132,797,000 | 1 | $ 203,000 |
| Bank of Glen Ullin PO BOX 99 GLEN ULLIN, ND 58631 |
* | $ 42,465,000 | 1 | $ 90,000 |
| Unison Bank PO BOX 2056 JAMESTOWN, ND 58401 |
* | $ 209,870,000 | 1 | $ 189,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 144,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 216,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 515,461,000 | 1 | $ 191,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 211,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 241,087,000 | 1 | $ 121,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 335,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 584,153,000 | 1 | $ 308,000 |
| First Trust Bank of Illinois 275 E COURT ST KANKAKEE, IL 60901 |
* | $ 223,115,000 | 1 | $ 122,000 |
| The Business Bank 11100 WAYZATA BLVD SUITE 150 MINNETONKA, MN 55305 |
* | $ 196,128,000 | 1 | $ 265,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 177,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 20,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 160,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,677,184,000 | 1 | $ 246,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 12,019,539,000 | 1 | $ 272,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,291,705,000 | 1 | $ 559,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 150,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 114,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 133,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 108,000 |
The tables below break down 2012 mortgage applications in Burleigh County, ND by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Burleigh County, ND in 2012
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 | 3,922 | $636,842,000 | $162,000 | $960,000 | $82,000 | $1,038,000 |
| Home Purchase | 2,632 | $493,386,000 | $187,000 | $4,200,000 | $79,000 | $1,269,000 |
| Home Improvement | 334 | $34,138,000 | $102,000 | $1,050,000 | $91,000 | $596,000 |
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 | 5,862 | $964,287,000 | $164,000 | $960,000 | $89,000 | $1,269,000 |
| Not applicable | 643 | $134,500,000 | $209,000 | $4,200,000 | $4,000 | $388,000 |
| Not Provided | 281 | $47,667,000 | $169,000 | $560,000 | $93,000 | $625,000 |
| Hispanic | 34 | $5,875,000 | $172,000 | $299,000 | $70,000 | $209,000 |
| American Indian or Alaskan Native | 33 | $5,486,000 | $166,000 | $510,000 | $100,000 | $328,000 |
| Asian | 20 | $3,922,000 | $196,000 | $352,000 | $173,000 | $414,000 |
| Black or African American | 14 | $2,404,000 | $171,000 | $389,000 | $72,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $225,000 | $225,000 | $225,000 | $85,000 | $85,000 |
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) | 5,718 | $944,015,000 | $165,000 | $4,200,000 | $88,000 | $1,269,000 |
| FHA-insured (Federal Housing Administration) | 649 | $113,371,000 | $174,000 | $356,000 | $53,000 | $254,000 |
| VA-guaranteed (Veterans Administration) | 445 | $93,201,000 | $209,000 | $479,000 | $45,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $13,779,000 | $181,000 | $281,000 | $56,000 | $89,000 |
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 | 4,776 | $791,936,000 | $165,000 | $4,200,000 | $90,000 | $1,269,000 |
| Loan Purchased By The Institution | 1,087 | $208,238,000 | $191,000 | $559,000 | $46,000 | $533,000 |
| Application Denied By Financial Institution | 419 | $61,656,000 | $147,000 | $732,000 | $72,000 | $657,000 |
| Application Withdrawn By Applicant | 327 | $56,414,000 | $172,000 | $938,000 | $92,000 | $503,000 |
| Application Approved But Not Accepted | 186 | $31,320,000 | $168,000 | $575,000 | $91,000 | $414,000 |
| File Closed For Incompleteness | 93 | $14,802,000 | $159,000 | $413,000 | $83,000 | $409,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 93 | $13,591,000 | $146,000 | $404,000 | $46,000 | $227,000 |
| Credit History | 78 | $9,672,000 | $124,000 | $510,000 | $74,000 | $328,000 |
| Collateral | 57 | $10,185,000 | $178,000 | $732,000 | $90,000 | $411,000 |
| Other | 38 | $6,800,000 | $178,000 | $408,000 | $121,000 | $657,000 |
| Unverifiable Information | 26 | $4,234,000 | $162,000 | $284,000 | $92,000 | $330,000 |
| Credit Application Incomplete | 25 | $3,334,000 | $133,000 | $396,000 | $70,000 | $212,000 |
| Employment History | 17 | $2,041,000 | $120,000 | $250,000 | $51,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,412,000 | $176,000 | $418,000 | $58,000 | $160,000 |
| 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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