Callaway County, MO Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,779 mortgage applications in Callaway County, MO totaling $219.9 million, up 17% from 2014. The average application was for $123,000, and applicants reported an average income of $58,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was The Central Trust Bank, with 233 applications, followed by The Callaway Bank and Regions 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 1,779
Total Mortgage Loan Application Amount $219,931,000
Average Mortgage Loan Application Amount $123,000
Highest Mortgage Loan Application Amount $6,100,000
Average Applicant Income $58,000
Highest Applicant Income $1,127,000

Mortgage Company List for Lending in Callaway County, MO for 2015

* 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
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 1,892,137,000 233 $ 36,577,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 313,388,000 197 $ 16,242,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 81 $ 6,685,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 365,483,000 71 $ 8,176,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 67 $ 9,027,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 487,284,000 64 $ 6,981,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 55 $ 7,554,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 45 $ 5,902,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ 4,689,000 45 $ 6,055,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 146,069,000 38 $ 4,210,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,154,372,000 36 $ 4,950,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 34 $ 5,827,000
United Credit Union
802 E. BRECKENRIDGE, P.O. BOX 858
MEXICO, MO 65265
* $ 143,110,000 34 $ 2,845,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 33 $ 3,395,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 32 $ 1,643,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,158,075,000 30 $ 3,789,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 28 $ 3,409,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 25 $ 3,251,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 149,740,000 25 $ 2,375,000
Central Bank of Boone County
720 E. BROADWAY
COLUMBIA, MO 65201
* $ 1,448,928,000 25 $ 3,731,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ 54,555,000 23 $ 2,178,000
Bank Star One
118 WEST 5TH STREET
FULTON, MO 65251
* $ 86,520,000 20 $ 2,192,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 282,802,000 20 $ 1,998,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,180,805,000 19 $ 2,824,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 19 $ 2,241,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 18 $ 2,154,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 23,881,169,000 16 $ 2,574,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 16 $ 2,027,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 15 $ 1,519,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 15 $ 1,642,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 13 $ 1,463,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 13 $ 1,425,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 12 $ 1,342,000
Providence Bank
3855 FORUM BOULEVARD
COLUMBIA, MO 65203
* $ 681,940,000 11 $ 2,130,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 11 $ 1,030,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 11 $ 1,188,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 11 $ 1,576,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 10 $ 1,414,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,583,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 1,112,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 9 $ 1,448,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 601,000
Peoples Savings Bank
101 BLUFF STREET
RHINELAND, MO 65069
* $ 211,125,000 6 $ 720,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 6 $ 843,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 662,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 851,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 6 $ 1,110,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 6 $ 762,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 5 $ 362,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,099,674,000 5 $ 532,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 5 $ 794,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 5 $ 556,000
Bank of St. Elizabeth
215 MAIN STREET, PO BOX 8
SAINT ELIZABETH, MO 65075
* $ 112,663,000 5 $ 894,000
Legends Bank
PO BOX 888
LINN, MO 65051
* $ 292,756,000 5 $ 176,000
Martinsburg Bank and Trust
107 W KELLETT P O BOX 66
MARTINSBURG, MO 65264
* $ 184,963,000 5 $ 559,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 4 $ 547,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 4 $ 1,050,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 4 $ 648,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 106,114,000 4 $ 268,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 4 $ 347,000
First Financial Credit Union
3124 W. EDGEWOOD DRIVE
JEFFERSON CITY, MO 65109
* $ 67,562,000 4 $ 423,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 4 $ 457,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 3 $ 239,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ 127,034,000 3 $ 472,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 3 $ 474,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 3 $ 458,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 3 $ 68,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 3 $ 210,000
Heritage Community Bank
100 E LOCUST ST
UNION, MO 63084
* $ 83,927,000 3 $ 334,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 3 $ 589,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 295,627,000 3 $ 469,000
West Community Credit Union
4161 HIGHWAY K
O'FALLON, MO 63368
* $ 160,874,000 3 $ 391,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 592,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 286,000
Merchants & Farmers Bank
507 N WEBER
SALISBURY, MO 65281
* $ 107,741,000 2 $ 227,000
Mainstreet Bank
301 E BROADWAY
ASHLAND, MO 65010
* $ 48,792,000 2 $ 160,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 2 $ 197,000
First Midwest Bank of the Ozarks
P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD
POPLAR BLUFF, MO 63901
* $ 326,898,000 2 $ 161,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 2 $ 301,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 188,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ 10,000,000 2 $ 298,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 5,850,940,000 2 $ 275,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 2 $ 174,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 98,658,000 2 $ 432,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 2 $ 219,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,425,574,000 2 $ 250,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 2 $ 379,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 381,573,000 2 $ 181,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 138,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 2 $ 243,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 2 $ 275,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 210,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 1 $ 230,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 1 $ 205,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 141,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 1 $ 316,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ 4,028,990,000 1 $ 134,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 93,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 200,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 660,993,000 1 $ 52,000
Peoples Bank of Moniteau County
105 W ROW STREET
JAMESTOWN, MO 65046
* $ 58,635,000 1 $ 79,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 190,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 890,389,000 1 $ 261,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 102,971,333,000 1 $ 164,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 122,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 9,636,848,000 1 $ 66,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 1 $ 81,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 182,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 147,431,000 1 $ 255,000
Arvest Bank

TULSA, OK 74103
* $ 14,944,176,000 1 $ 85,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 1 $ 202,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,680,579,000 1 $ 120,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 40,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 150,000
Home Federal Bank
225 S MAIN
SIOUX FALLS, SD 57104
* $ 1,261,060,000 1 $ 203,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 119,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 81,661,915,000 1 $ 28,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 1 $ 34,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,070,573,000 1 $ 111,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 691,345,000 1 $ 74,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 1 $ 187,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 115,000
United Bank of Union
PO BOX 500
UNION, MO 63084
* $ 291,403,000 1 $ 105,000
Citizens Bank
P.O. BOX 197
NEW HAVEN, MO 63068
* $ 169,645,000 1 $ 20,000
Homebank
PO BOX 311
PALMYRA, MO 63461
* $ 170,429,000 1 $ 196,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 133,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 187,860,000 1 $ 118,000
1st Advantage Bank
240 SALT LICK ROAD
ST PETERS, MO 63376
* $ 76,151,000 1 $ 1,850,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 5,045,286,000 1 $ 99,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 854,981,000 1 $ 110,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 147,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 161,483,000 1 $ 102,000
The Missouri Bank
104 N HWY 47
WARRENTON, MO 63383
* $ 211,448,000 1 $ 132,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 90,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 123,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 202,275,000 1 $ 73,000
Farmers Bank of Lohman
P.O. BOX 22
LOHMAN, MO 65053
* $ 64,924,000 1 $ 216,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 1 $ 81,000
Lead Bank
200 N 3RD ST
GARDEN CITY, MO 64747
* $ 125,741,000 1 $ 65,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ 353,467,000 1 $ 3,613,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 123,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ 10,000,000 1 $ 98,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 1 $ 150,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 147,000

The tables below break down 2015 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 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 907 $129,917,000 $143,000 $6,100,000 $58,000 $1,127,000
Refinancing 684 $80,238,000 $117,000 $514,000 $55,000 $829,000
Home Improvement 188 $9,776,000 $52,000 $284,000 $69,000 $565,000

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 1,442 $164,161,000 $113,000 $550,000 $63,000 $1,127,000
Not applicable 142 $33,863,000 $238,000 $6,100,000 $5,000 $81,000
Not Provided 121 $14,413,000 $119,000 $417,000 $65,000 $235,000
Black or African American 33 $2,887,000 $87,000 $153,000 $38,000 $131,000
Hispanic 19 $2,426,000 $127,000 $428,000 $68,000 $258,000
American Indian or Alaskan Native 10 $1,131,000 $113,000 $180,000 $47,000 $88,000
Asian 9 $689,000 $76,000 $183,000 $41,000 $70,000
Native Hawaiian or Other Pacific Islander 3 $361,000 $120,000 $200,000 $99,000 $155,000

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) 1,167 $140,037,000 $119,000 $6,100,000 $66,000 $1,127,000
FHA-insured (Federal Housing Administration) 246 $30,095,000 $122,000 $276,000 $43,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 210 $24,753,000 $117,000 $298,000 $35,000 $109,000
VA-guaranteed (Veterans Administration) 156 $25,046,000 $160,000 $466,000 $51,000 $532,000

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 987 $122,373,000 $123,000 $6,100,000 $65,000 $829,000
Application Denied By Financial Institution 367 $34,733,000 $94,000 $404,000 $50,000 $432,000
Loan Purchased By The Institution 179 $22,870,000 $127,000 $407,000 $28,000 $177,000
Application Withdrawn By Applicant 126 $22,937,000 $182,000 $5,664,000 $62,000 $1,127,000
Application Approved But Not Accepted 89 $13,449,000 $151,000 $3,613,000 $67,000 $532,000
File Closed For Incompleteness 31 $3,569,000 $115,000 $466,000 $48,000 $195,000
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 75 $6,639,000 $88,000 $335,000 $51,000 $192,000
Debt-To-Income Ratio 34 $4,173,000 $122,000 $296,000 $41,000 $89,000
Collateral 20 $2,519,000 $125,000 $404,000 $52,000 $142,000
Credit Application Incomplete 19 $1,970,000 $103,000 $196,000 $57,000 $160,000
Other 15 $1,811,000 $120,000 $288,000 $68,000 $169,000
Insufficient Cash (Downpayment, Closing Cost) 4 $306,000 $76,000 $108,000 $80,000 $145,000
Unverifiable Information 3 $366,000 $122,000 $207,000 $166,000 $432,000
Employment History 2 $198,000 $99,000 $145,000 $38,000 $54,000
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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