Cabell County, WV Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 3,181 mortgage applications in Cabell County, WV totaling $469.7 million, down 23% from 2021. The average application was for $147,000, and applicants reported an average income of $89,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 332 applications, followed by City National Bank of Wv and Movement Mortgage, 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 3,181
Total Mortgage Loan Application Amount $469,655,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $4,875,000
Average Applicant Income $89,000
Highest Applicant Income $2,100,000

Mortgage Company List for Lending in Cabell County, WV for 2022

* 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
* $ -1,000 332 $ 31,920,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,955,821,000 299 $ 32,665,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 205 $ 35,245,000
Huntington Federal Savings Bank
1049 5TH AVE
HUNTINGTON, WV 25701
* $ 557,510,000 196 $ 29,960,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 167 $ 21,415,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 144 $ 23,960,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 106 $ 12,160,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 83 $ 9,435,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 81 $ 12,945,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 79 $ 14,765,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 78 $ 18,030,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 75 $ 13,095,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 61 $ 9,195,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,555,648,000 61 $ 16,305,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 60 $ 6,660,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 59 $ 9,195,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 677,045,000 52 $ 12,230,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 1,233,579,000 42 $ 11,950,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 38 $ 6,750,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 35 $ 2,425,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 34 $ 5,670,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 33 $ 5,595,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 29 $ 4,635,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 29 $ 3,245,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 28 $ 4,910,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 27 $ 4,545,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 27 $ 2,515,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 27 $ 3,545,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 418,573,000 25 $ 5,065,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 24 $ 4,870,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 22 $ 2,560,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 21 $ 2,635,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 5,384,484,000 20 $ 3,020,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 18 $ 2,790,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 2,805,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 17 $ 2,045,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 487,506,000 16 $ 2,650,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 15 $ 975,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 14 $ 2,650,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 1,890,000
Universal Federal Credit Union
317 31ST STREET
HUNTINGTON, WV 25702
* $ 94,471,000 11 $ 1,055,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 1,385,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 10 $ 650,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 1,250,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 10 $ 1,070,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 10 $ 1,540,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 10 $ 1,970,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 9 $ 1,745,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 9 $ 1,345,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 8 $ 940,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 7 $ 1,215,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 635,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 7 $ 665,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 7 $ 685,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 6 $ 1,580,000
Kentucky Farmers Bank Corporation
6313 US RT 60
ASHLAND, KY 41102
* $ 270,868,000 6 $ 910,000
The Farmers Bank & Savings Com
640 E MAIN ST
POMEROY, OH 45769
* $ 395,818,000 6 $ 1,950,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 5 $ 405,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 772,910,000 5 $ 245,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 1,025,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 5 $ 575,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 725,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 510,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 4 $ 630,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 340,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 1,020,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 4 $ 720,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 4 $ 680,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 4 $ 640,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 530,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 3 $ 605,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 345,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 3 $ 315,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 3 $ 745,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 55,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 873,423,000 3 $ 305,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 455,000
Members Choice Credit Union
145 RUSSELL RD
ASHLAND, KY 41101
* $ 332,357,000 3 $ 295,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 3 $ 385,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 349,176,000 3 $ 2,235,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 485,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 635,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 161,574,000 3 $ 255,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 2 $ 260,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 330,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 2 $ 290,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 340,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 807,803,000 2 $ 360,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 220,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 2 $ 200,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 140,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 270,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 2 $ 230,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,759,374,000 2 $ 150,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 3,183,928,000 2 $ 190,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 2 $ 340,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 250,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 360,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 190,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 2 $ 220,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 260,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 145,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 245,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 185,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 1 $ 15,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 55,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 165,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ -1,000 1 $ 65,000
Superior National Bank
235 QUINCY ST
HANCOCK, MI 49930
* $ 1,073,220,000 1 $ 255,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 280,342,000 1 $ 1,025,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 65,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 604,572,000 1 $ 155,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 1 $ 195,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 135,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,886,658,000 1 $ 275,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 1 $ 185,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 1 $ 275,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 1 $ 35,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 215,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 305,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 175,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 1 $ 335,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 1 $ 85,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 145,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 185,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 155,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 195,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 105,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 1 $ 485,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 1 $ 145,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 35,000
Mars Bank
PO BOX 927
MARS, PA 16046
* $ 505,127,000 1 $ 185,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 3,890,783,000 1 $ 35,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 95,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 425,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 125,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 1 $ 75,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 25,000
Peoples Federal Credit Union
419 1ST AVE S
NITRO, WV 25143
* $ 120,509,000 1 $ 55,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 1 $ 225,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 115,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 195,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 265,000
Camc Federal Credit Union
3400 MACCORKLE AVENUE SE
CHARLESTON, WV 25304
* $ 81,042,000 1 $ 25,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 25,000
Atomic Credit Union, Inc
711 BEAVER CREEK ROAD
PIKETON, OH 45661
* $ 496,859,000 1 $ 125,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 1 $ 395,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 1 $ 215,000

The tables below break down 2022 mortgage applications in Cabell County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Cabell County, WV in 2022

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 1,831 $300,185,000 $163,000 $4,875,000 $82,000 $757,000
Refinancing 460 $73,420,000 $159,000 $1,905,000 $101,000 $1,645,000
Cash-out Refinancing 414 $61,250,000 $147,000 $1,005,000 $87,000 $2,100,000
Home Improvement 267 $17,855,000 $66,000 $485,000 $93,000 $806,000
Other Purpose 198 $16,140,000 $81,000 $595,000 $117,000 $861,000
Not Applicable 11 $805,000 $73,000 $165,000 $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 2,531 $351,405,000 $138,000 $1,375,000 $88,000 $2,100,000
Not Provided 253 $37,875,000 $149,000 $545,000 $92,000 $874,000
Not applicable 217 $56,495,000 $260,000 $4,875,000 $147,000 $350,000
Black or African American 93 $9,455,000 $101,000 $275,000 $63,000 $239,000
Asian 34 $5,750,000 $169,000 $465,000 $106,000 $425,000
Hispanic 24 $4,890,000 $203,000 $995,000 $117,000 $435,000
American Indian or Alaskan Native 18 $2,360,000 $131,000 $345,000 $115,000 $480,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $114,000 $114,000

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) 2,455 $356,745,000 $145,000 $4,875,000 $95,000 $2,100,000
FHA-insured (Federal Housing Administration) 474 $66,670,000 $140,000 $415,000 $63,000 $220,000
VA-guaranteed (Veterans Administration) 218 $40,840,000 $187,000 $815,000 $75,000 $234,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 34 $5,400,000 $158,000 $335,000 $61,000 $115,000

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 1,670 $278,530,000 $166,000 $4,875,000 $98,000 $1,645,000
Application Denied By Financial Institution 634 $63,030,000 $99,000 $905,000 $67,000 $850,000
Application Withdrawn By Applicant 382 $59,350,000 $155,000 $1,025,000 $93,000 $757,000
File Closed For Incompleteness 233 $26,275,000 $112,000 $515,000 $67,000 $370,000
Loan Purchased By The Institution 132 $21,640,000 $163,000 $635,000 $105,000 $350,000
Application Approved But Not Accepted 123 $19,405,000 $157,000 $1,085,000 $107,000 $2,100,000
Preapproval Approved but not Accepted 7 $1,425,000 $203,000 $525,000 $61,000 $143,000
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 2,451 $384,345,000 $156,000 $4,875,000 $94,000 $2,100,000
Credit History 271 $22,005,000 $81,000 $355,000 $73,000 $396,000
Debt-To-Income Ratio 228 $37,390,000 $163,000 $1,355,000 $68,000 $594,000
Collateral 74 $7,580,000 $102,000 $505,000 $79,000 $480,000
Other 54 $6,000,000 $111,000 $455,000 $98,000 $850,000
Unverifiable Information 41 $4,765,000 $116,000 $905,000 $64,000 $443,000
Credit Application Incomplete 37 $4,415,000 $119,000 $445,000 $58,000 $143,000
Employment History 14 $1,150,000 $82,000 $175,000 $44,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 11 $2,005,000 $182,000 $355,000 $67,000 $105,000
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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