Cabell County, WV Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 2,646 mortgage applications in Cabell County, WV totaling $383.0 million, down 17% from 2022. The average application was for $144,000, and applicants reported an average income of $88,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 361 applications, followed by City National Bank of Wv and Huntington Federal Savings 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 2,646
Total Mortgage Loan Application Amount $383,030,000
Average Mortgage Loan Application Amount $144,000
Highest Mortgage Loan Application Amount $12,265,000
Average Applicant Income $88,000
Highest Applicant Income $1,700,000

Mortgage Company List for Lending in Cabell County, WV for 2023

* 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
* $ -1,000 361 $ 35,225,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,832,156,000 240 $ 24,440,000
Huntington Federal Savings Bank
1049 5TH AVE
HUNTINGTON, WV 25701
* $ 570,363,000 161 $ 29,825,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 152 $ 21,280,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 144 $ 20,050,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 129 $ 14,785,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,894,686,000 85 $ 11,705,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,430,409,000 82 $ 14,090,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 70 $ 8,610,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 70 $ 3,930,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 62 $ 6,860,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 56 $ 9,550,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 51 $ 8,975,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 48 $ 8,150,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 47 $ 6,755,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 634,206,000 43 $ 8,195,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 42 $ 6,680,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 41 $ 7,505,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 39 $ 5,275,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 1,193,379,000 38 $ 9,570,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 34 $ 4,640,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,890,541,000 31 $ 12,395,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 7,197,574,000 22 $ 1,890,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 22 $ 4,450,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 21 $ 2,705,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 20 $ 2,090,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 18 $ 1,780,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 15 $ 1,905,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 14 $ 2,120,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 14 $ 1,790,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 5,351,295,000 14 $ 1,560,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 495,448,000 13 $ 1,535,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 11 $ 3,285,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 11 $ 915,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 11 $ 1,665,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 11 $ 1,905,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 11 $ 1,845,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 11 $ 1,295,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 10 $ 1,170,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 10 $ 860,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 605,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 9 $ 1,385,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,335,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ -1,000 9 $ 1,945,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,275,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 9 $ 835,000
Universal Federal Credit Union
317 31ST STREET
HUNTINGTON, WV 25702
* $ 95,439,000 8 $ 560,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 8 $ 1,800,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 7 $ 1,205,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 358,470,000 7 $ 3,615,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 6 $ 790,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 6 $ 300,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 439,747,000 6 $ 800,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 5 $ 775,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 5 $ 875,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 5 $ 495,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 5 $ 845,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 4 $ 330,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 4 $ 1,370,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 4 $ 1,360,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 560,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 715,000
Kentucky Farmers Bank Corporation
6313 US RT 60
ASHLAND, KY 41102
* $ 267,317,000 3 $ 785,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 3 $ 445,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 3 $ 635,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 585,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 675,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 605,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 3 $ 815,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 3 $ 225,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 3 $ 325,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 755,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 270,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 696,971,000 2 $ 310,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 2 $ 290,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 2 $ 510,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 2 $ 270,000
Peoples Federal Credit Union
419 1ST AVE S
NITRO, WV 25143
* $ 122,756,000 2 $ 110,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 2 $ 70,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 210,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 530,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 2 $ 460,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 260,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 230,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 2 $ 500,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 180,000
Lebanon FCU
120 SOUTH 16TH STREET
LEBANON, PA 17042
* $ 423,542,000 2 $ 250,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 430,000
West Virginia Federal Credit Union
318 5TH AVENUE
SOUTH CHARLESTON, WV 25303
* $ 133,841,000 2 $ 140,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 320,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 260,000
Members Choice Credit Union
145 RUSSELL RD
ASHLAND, KY 41101
* $ 358,992,000 1 $ 15,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 7,481,805,000 1 $ 275,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 4,684,875,000 1 $ 405,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 1 $ 135,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 4,012,786,000 1 $ 25,000
First Mutual Bank, FSB
631 WASHINGTON BLVD
BELPRE, OH 45714
* $ 109,906,000 1 $ 155,000
First Neighborhood Bank Inc

PARKERSBURG, WV 26104
* $ 163,153,000 1 $ 285,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 125,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 1 $ 165,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 95,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 115,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 655,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 155,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 35,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 105,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 1 $ 95,000
State Financial Network LLC
5 HILLMAN DR
CHADDS FORD, PA 19317
* $ -1,000 1 $ 105,000
The Farmers Bank & Savings Com
640 E MAIN ST
POMEROY, OH 45769
* $ 393,696,000 1 $ 285,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 175,000
Meade County Bank
PO BOX 278
BRANDENBURG, KY 40108
* $ 343,097,000 1 $ 55,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 155,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 105,000
Member One Federal Credit Union
P.O. BOX 12288
ROANOKE, VA 24024
* $ 1,553,016,000 1 $ 35,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 45,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 95,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 1 $ 225,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 165,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 295,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 225,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 1 $ 55,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 9,776,999,000 1 $ 55,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 155,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 155,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 105,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 1 $ 125,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 75,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 41,842,515,000 1 $ 905,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ 7,207,694,000 1 $ 325,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 235,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 15,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 145,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 854,662,000 1 $ 15,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,534,480,000 1 $ 165,000
Proponent FCU
536 WASHINGTON AVE.
NUTLEY, NJ 07110
* $ 515,394,000 1 $ 55,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 1 $ 175,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 3,450,913,000 1 $ 85,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 1 $ 105,000
Cbre Multifamily Capital, Inc.

HOUSTON, TX 77079
* $ -1,000 1 $ 12,265,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 125,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 295,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 1 $ 105,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 105,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 8,408,012,000 1 $ 185,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 351,968,000 1 $ 65,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ -1,000 1 $ 65,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 275,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 934,534,000 1 $ 245,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 95,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 225,000

The tables below break down 2023 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 2023

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 1,695 $268,375,000 $158,000 $3,365,000 $84,000 $1,484,000
Cash-out Refinancing 262 $35,900,000 $137,000 $495,000 $79,000 $376,000
Other Purpose 240 $19,180,000 $79,000 $655,000 $96,000 $893,000
Home Improvement 228 $17,550,000 $76,000 $2,305,000 $100,000 $816,000
Refinancing 216 $41,750,000 $193,000 $12,265,000 $113,000 $1,700,000
Not Applicable 5 $275,000 $55,000 $75,000 $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 2,087 $268,515,000 $128,000 $905,000 $86,000 $1,484,000
Not applicable 218 $66,110,000 $303,000 $12,265,000 $178,000 $627,000
Not Provided 200 $30,220,000 $151,000 $1,125,000 $110,000 $1,700,000
Black or African American 64 $7,300,000 $114,000 $495,000 $69,000 $168,000
Hispanic 35 $5,715,000 $163,000 $655,000 $85,000 $250,000
Asian 21 $2,635,000 $125,000 $325,000 $133,000 $575,000
American Indian or Alaskan Native 16 $1,790,000 $111,000 $355,000 $62,000 $198,000
Native Hawaiian or Other Pacific Islander 1 $145,000 $145,000 $145,000 $54,000 $54,000

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) 1,967 $274,435,000 $139,000 $12,265,000 $95,000 $1,700,000
FHA-insured (Federal Housing Administration) 488 $70,880,000 $145,000 $455,000 $63,000 $300,000
VA-guaranteed (Veterans Administration) 167 $34,315,000 $205,000 $785,000 $83,000 $467,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 24 $3,400,000 $141,000 $275,000 $66,000 $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 1,253 $213,945,000 $170,000 $12,265,000 $100,000 $1,700,000
Application Denied By Financial Institution 597 $57,605,000 $96,000 $675,000 $67,000 $940,000
Application Withdrawn By Applicant 344 $52,840,000 $153,000 $905,000 $92,000 $1,484,000
File Closed For Incompleteness 235 $26,475,000 $112,000 $2,125,000 $70,000 $750,000
Loan Purchased By The Institution 137 $23,745,000 $173,000 $445,000 $203,000 $627,000
Application Approved But Not Accepted 79 $8,295,000 $105,000 $435,000 $85,000 $468,000
Preapproval Approved but not Accepted 1 $125,000 $125,000 $125,000 $94,000 $94,000
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 1,977 $310,885,000 $157,000 $12,265,000 $94,000 $1,700,000
Credit History 271 $22,985,000 $84,000 $405,000 $64,000 $540,000
Debt-To-Income Ratio 173 $24,355,000 $140,000 $2,305,000 $67,000 $240,000
Collateral 82 $7,820,000 $95,000 $305,000 $92,000 $650,000
Unverifiable Information 51 $5,735,000 $112,000 $325,000 $55,000 $159,000
Credit Application Incomplete 34 $3,800,000 $111,000 $225,000 $76,000 $154,000
Other 30 $4,130,000 $137,000 $675,000 $139,000 $940,000
Employment History 15 $1,945,000 $129,000 $335,000 $65,000 $137,000
Insufficient Cash (Downpayment, Closing Cost) 13 $1,375,000 $105,000 $235,000 $71,000 $166,000
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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