Callaway County, MO Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,968 mortgage applications in Callaway County, MO totaling $229.3 million, down 10% from 2010. The average application was for $116,000, and applicants reported an average income of $62,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was Central Trust Bank, with 369 applications, followed by The Callaway Bank and Jefferson Bank of Missouri.
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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 | 1,968 |
| Total Mortgage Loan Application Amount | $229,329,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $2,324,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,138,000 |
* 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 Trust Bank 238 MADISON STREET JEFFERSON CITY, MO 65101 |
* | $ 1,974,691,000 | 369 | $ 40,257,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 273,670,000 | 238 | $ 24,407,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD JEFFERSON CITY, MO 65102 |
* | $ 473,583,000 | 108 | $ 12,639,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 92 | $ 12,778,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 78 | $ 9,788,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,182,218,000 | 64 | $ 8,136,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 60 | $ 6,538,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 51 | $ 6,005,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 50 | $ 5,208,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ 245,614,000 | 49 | $ 6,298,000 |
| Bank Star One 118 WEST 5TH STREET FULTON, MO 65251 |
* | $ 88,337,000 | 45 | $ 4,303,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 43 | $ 4,578,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 41 | $ 3,752,000 |
| United Security Bank 101 E. WALNUT ST. AUXVASSE, MO 65231 |
* | $ 46,509,000 | 36 | $ 3,317,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 34 | $ 2,401,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,233,182,000 | 31 | $ 3,678,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 31 | $ 4,357,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 205,163,000 | 29 | $ 4,197,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 28 | $ 4,034,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 24 | $ 2,887,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 23 | $ 3,424,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,285,632,000 | 22 | $ 3,250,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 18 | $ 2,237,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 18 | $ 2,629,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,488,307,000 | 16 | $ 2,069,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 713,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 16 | $ 2,018,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 15 | $ 1,180,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,748,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 2,171,000 |
| United Credit Union 802 E. BRECKENRIDGE, P.O. BOX 858 MEXICO, MO 65265 |
* | $ 112,731,000 | 13 | $ 825,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 19,413,461,000 | 12 | $ 1,722,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 11 | $ 1,469,000 |
| First Financial Credit Union 3124 W. EDGEWOOD DRIVE JEFFERSON CITY, MO 65109 |
* | $ 60,326,000 | 10 | $ 1,010,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 205,935,000 | 10 | $ 981,000 |
| Exchange Bank of Missouri P.O. BOX 69, 101 SOUTH CHURCH STREET FAYETTE, MO 65248 |
* | $ 68,025,000 | 8 | $ 771,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 1,465,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 706,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 7 | $ 907,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 7 | $ 910,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 68,062,000 | 6 | $ 214,000 |
| Legends Bank PO BOX 888 LINN, MO 65051 |
* | $ 255,126,000 | 6 | $ 568,000 |
| Martinsburg Bank and Trust 107 W KELLETT P O BOX 66 MARTINSBURG, MO 65264 |
* | $ 182,527,000 | 6 | $ 497,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 5 | $ 686,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 488,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 879,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 4 | $ 626,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 7,352,931,000 | 4 | $ 571,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 815,892,000 | 3 | $ 2,742,000 |
| Mainstreet Bank 301 E BROADWAY ASHLAND, MO 65010 |
* | $ 61,068,000 | 3 | $ 431,000 |
| Bank of St. Elizabeth 215 MAIN STREET, PO BOX 8 SAINT ELIZABETH, MO 65075 |
* | $ 100,958,000 | 3 | $ 246,000 |
| Peoples Savings Bank 101 BLUFF STREET RHINELAND, MO 65069 |
* | $ 167,725,000 | 3 | $ 444,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 106,362,000 | 3 | $ 548,000 |
| West Community Credit Union 4161 HIGHWAY K O'FALLON, MO 63368 |
* | $ 125,492,000 | 3 | $ 587,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,225,389,000 | 3 | $ 726,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 129,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 3 | $ 116,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 459,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 10,684,654,000 | 3 | $ 739,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 514,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 3 | $ 463,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 363,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 291,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 559,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 607,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 292,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 325,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 132,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 559,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 2 | $ 263,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,516,509,000 | 2 | $ 133,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,778,147,000 | 2 | $ 168,000 |
| Electro Savings Credit Union 1805 CRAIGSHIRE ROAD ST. LOUIS, MO 63146 |
* | $ 143,887,000 | 2 | $ 175,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 276,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 2 | $ 215,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 172,000 |
| Farmers Bank of Lohman P.O. BOX 22 LOHMAN, MO 65053 |
* | $ 51,651,000 | 2 | $ 189,000 |
| Community Point Bank 13218 RAILROAD AVE PO BOX 457 RUSSELLVILLE, MO 65074 |
* | $ 82,356,000 | 2 | $ 201,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ 305,464,000 | 2 | $ 289,000 |
| Jonesburg State Bank 508 N STATE HWY 47 WARRENTON, MO 63383 |
* | $ 71,532,000 | 2 | $ 235,000 |
| Midwest Bankcentre 2191 LEMAY FERRY ROAD LEMAY SAINT LOUIS, MO 63125 |
* | $ 1,091,514,000 | 2 | $ 509,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 241,311,000 | 2 | $ 17,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,813,409,000 | 2 | $ 221,000 |
| Boulevard Bank 111 E.MAIN STREET NEOSHO, MO 64850 |
* | $ 146,162,000 | 2 | $ 23,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 56,000 |
| Heartland Bank 212 SOUTH CENTRAL ST. LOUIS, MO 63105 |
* | $ 889,445,000 | 1 | $ 199,000 |
| Town & Country Bank PO BOX 349 SALEM, MO 65560 |
* | $ 502,723,000 | 1 | $ 307,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 406,317,000 | 1 | $ 100,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 191,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 119,000 |
| Community State Bank of Missouri 117 W CHURCH ST BOWLING GREEN, MO 63334 |
* | $ 206,561,000 | 1 | $ 101,000 |
| Tri-County Trust Company PO BOX 217, 103 COMMERCE ST. GLASGOW, MO 65254 |
* | $ 48,580,000 | 1 | $ 30,000 |
| Bank of Washington P.O. BOX 377 WASHINGTON, MO 63090 |
* | $ 798,141,000 | 1 | $ 180,000 |
| United Bank of Union PO BOX 500 UNION, MO 63084 |
* | $ 269,548,000 | 1 | $ 120,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 67,913,000 | 1 | $ 183,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 56,603,000 | 1 | $ 3,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,939,474,000 | 1 | $ 22,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 104,461,000 | 1 | $ 160,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 217,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 77,096,000 | 1 | $ 120,000 |
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ 257,888,000 | 1 | $ 25,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 843,305,000 | 1 | $ 258,000 |
| Bank Star 1999 W OSAGE PACIFIC, MO 63069 |
* | $ 68,165,000 | 1 | $ 207,000 |
| Commercial Bank 2330 WEST PORT PLAZA DR ST. LOUIS, MO 63146 |
* | $ 172,556,000 | 1 | $ 72,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 690,925,000 | 1 | $ 214,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 84,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,181,819,000 | 1 | $ 60,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 151,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 16,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 143,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 1 | $ 157,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 11,967,632,000 | 1 | $ 21,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 74,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 118,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 44,000 |
| First National Bank of Stlouis 7707 FORSYTH BLVD CLAYTON, MO 63105 |
* | $ 1,361,840,000 | 1 | $ 130,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 837,325,000 | 1 | $ 92,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Firstrust Mortgage, Inc 6710 W. 121ST STREET OVERLAND PARK, KS 66209 |
* | $ 6,198,000 | 1 | $ 43,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 153,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 136,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 178,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 186,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 151,000 |
| Catalyst Lending, Inc. 6530 S YOSEMITE STREET, SUITE 310 GREENWOOD VILLAGE, CO 80111 |
* | $ 410,214,000 | 1 | $ 68,000 |
| Main Street Financial 9953 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 8,801,000 | 1 | $ 41,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 67,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 48,000 |
The tables below break down 2011 mortgage applications in Callaway County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Callaway County, MO in 2011
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 | 1,103 | $141,141,000 | $127,000 | $2,324,000 | $68,000 | $1,138,000 |
| Home Purchase | 697 | $80,514,000 | $115,000 | $600,000 | $54,000 | $609,000 |
| Home Improvement | 168 | $7,674,000 | $45,000 | $314,000 | $55,000 | $463,000 |
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 | 1,658 | $188,184,000 | $113,000 | $644,000 | $64,000 | $1,138,000 |
| Not Provided | 156 | $17,788,000 | $114,000 | $417,000 | $70,000 | $688,000 |
| Not applicable | 96 | $16,407,000 | $170,000 | $2,324,000 | $11,000 | $124,000 |
| Black or African American | 24 | $2,294,000 | $95,000 | $201,000 | $48,000 | $84,000 |
| Hispanic | 16 | $1,990,000 | $124,000 | $315,000 | $78,000 | $198,000 |
| Asian | 10 | $1,826,000 | $182,000 | $278,000 | $100,000 | $162,000 |
| American Indian or Alaskan Native | 7 | $787,000 | $112,000 | $198,000 | $55,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $53,000 | $53,000 | $53,000 | $47,000 | $47,000 |
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) | 1,421 | $161,520,000 | $113,000 | $2,324,000 | $69,000 | $1,138,000 |
| FHA-insured (Federal Housing Administration) | 252 | $28,931,000 | $114,000 | $254,000 | $43,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 212 | $25,159,000 | $118,000 | $244,000 | $42,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 83 | $13,719,000 | $165,000 | $644,000 | $57,000 | $215,000 |
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 | 1,092 | $126,412,000 | $115,000 | $2,324,000 | $68,000 | $1,138,000 |
| Application Denied By Financial Institution | 331 | $34,749,000 | $104,000 | $644,000 | $51,000 | $240,000 |
| Loan Purchased By The Institution | 238 | $31,537,000 | $132,000 | $417,000 | $45,000 | $249,000 |
| Application Withdrawn By Applicant | 135 | $16,711,000 | $123,000 | $396,000 | $58,000 | $300,000 |
| Application Approved But Not Accepted | 128 | $14,963,000 | $116,000 | $344,000 | $69,000 | $300,000 |
| File Closed For Incompleteness | 44 | $4,957,000 | $112,000 | $243,000 | $71,000 | $804,000 |
| 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 | 70 | $5,740,000 | $82,000 | $305,000 | $50,000 | $140,000 |
| Debt-To-Income Ratio | 48 | $6,424,000 | $133,000 | $417,000 | $40,000 | $149,000 |
| Collateral | 38 | $5,681,000 | $149,000 | $644,000 | $73,000 | $215,000 |
| Other | 12 | $1,396,000 | $116,000 | $214,000 | $51,000 | $150,000 |
| Employment History | 4 | $305,000 | $76,000 | $98,000 | $43,000 | $78,000 |
| Unverifiable Information | 3 | $318,000 | $106,000 | $119,000 | $32,000 | $44,000 |
| Credit Application Incomplete | 3 | $290,000 | $96,000 | $138,000 | $48,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $148,000 | $74,000 | $103,000 | $21,000 | $29,000 |
| Mortgage Insurance Denied | 1 | $198,000 | $198,000 | $198,000 | $72,000 | $72,000 |
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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