Callaway County, MO Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,923 mortgage applications in Callaway County, MO totaling $249.0 million, up 8% from 2015. The average application was for $129,000, and applicants reported an average income of $58,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was The Central Trust Bank, with 266 applications, followed by The Callaway Bank and Flat Branch Mortgage, Inc..

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Missouri.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,923
Total Mortgage Loan Application Amount $249,037,000
Average Mortgage Loan Application Amount $129,000
Highest Mortgage Loan Application Amount $6,135,000
Average Applicant Income $58,000
Highest Applicant Income $847,000

Mortgage Company List for Lending in Callaway County, MO for 2016

* 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
* $ 2,730,795,000 266 $ 33,484,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 336,008,000 208 $ 21,493,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 95 $ 12,682,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 517,715,000 85 $ 11,068,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 70 $ 10,087,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 62 $ 5,897,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 62 $ 8,758,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 55 $ 7,940,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 356,786,000 50 $ 5,495,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 49 $ 6,188,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 48 $ 7,567,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 166,835,000 41 $ 5,075,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,425,731,000 35 $ 6,042,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 34 $ 5,024,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 30 $ 4,196,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ 55,140,000 28 $ 2,244,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 172,822,000 28 $ 4,270,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 27 $ 1,554,000
United Credit Union
802 E. BRECKENRIDGE, P.O. BOX 858
MEXICO, MO 65265
* $ 157,591,000 24 $ 2,260,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 291,351,000 24 $ 2,626,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 23 $ 2,837,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,565,602,000 22 $ 2,937,000
Bank Star One
118 WEST 5TH STREET
FULTON, MO 65251
* $ 85,658,000 20 $ 1,759,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 20 $ 3,507,000
Central Bank of Boone County
720 E. BROADWAY
COLUMBIA, MO 65201
* $ 1,619,374,000 18 $ 2,396,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,194,315,000 18 $ 2,100,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 17 $ 1,710,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 17 $ 2,233,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 115,172,000 14 $ 1,817,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,483,687,000 14 $ 1,819,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 13 $ 1,395,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 11 $ 1,569,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ 4,689,000 11 $ 1,298,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 10 $ 870,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 9 $ 2,014,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 9 $ 855,000
Providence Bank
3855 FORUM BOULEVARD
COLUMBIA, MO 65203
* $ 909,892,000 9 $ 1,365,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 9 $ 1,389,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 9 $ 988,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 1,372,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,124,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 8 $ 1,508,000
Martinsburg Bank and Trust
107 W KELLETT P O BOX 66
MARTINSBURG, MO 65264
* $ 192,165,000 8 $ 847,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 8 $ 1,091,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 8 $ 957,000
Legends Bank
PO BOX 888
LINN, MO 65051
* $ 297,679,000 7 $ 513,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 7 $ 547,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 6 $ 1,109,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 6 $ 988,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 6 $ 771,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 5 $ 709,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 5 $ 743,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 5 $ 633,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 5 $ 847,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 450,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 482,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 4 $ 753,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 4 $ 574,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 488,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 4 $ 972,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ 26,264,000 4 $ 552,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 4 $ 400,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 3 $ 410,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 3 $ 49,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 1,805,078,000 3 $ 432,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 3 $ 24,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 3 $ 130,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 3 $ 630,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 3 $ 489,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 3 $ 258,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ 31,000,000 3 $ 425,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ 1,300,000 3 $ 376,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 390,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 455,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 331,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 3 $ 525,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 399,000
Peoples Savings Bank
101 BLUFF STREET
RHINELAND, MO 65069
* $ 223,996,000 3 $ 377,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 427,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 475,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 3 $ 620,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 3 $ 438,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 361,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 2 $ 70,000
The Missouri Bank II
1601 S LIMIT
SEDALIA, MO 65301
* $ 85,017,000 2 $ 885,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 304,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ 653,000 2 $ 340,000
Merchants & Farmers Bank
507 N WEBER
SALISBURY, MO 65281
* $ 107,830,000 2 $ 252,000
Cornerstone Mortgage Providers, L.P.
1177 WEST LOOP SOUTH, STE. 200
HOUSTON, TX 77027
* $ 10,000,000 2 $ 237,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 208,000
First Financial Credit Union
3124 W. EDGEWOOD DRIVE
JEFFERSON CITY, MO 65109
* $ 69,453,000 2 $ 369,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 2 $ 244,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,949,868,000 2 $ 359,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 938,105,000 2 $ 308,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 2 $ 234,000
Bank of St. Elizabeth
215 MAIN STREET, PO BOX 8
SAINT ELIZABETH, MO 65075
* $ 117,749,000 2 $ 227,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 2 $ 221,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 2 $ 50,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 2 $ 196,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 2 $ 200,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 2 $ 328,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 2 $ 212,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 4,800,524,000 2 $ 177,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 9,622,999,000 2 $ 32,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,233,064,000 1 $ 98,000
Community State Bank of Missouri
117 W CHURCH ST
BOWLING GREEN, MO 63334
* $ 232,866,000 1 $ 129,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ 213,772,000 1 $ 181,000
West Community Credit Union
4161 HIGHWAY K
O'FALLON, MO 63368
* $ 169,142,000 1 $ 212,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 1 $ 167,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 1 $ 129,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 74,000
Ozarks Federal Savings and Loan
2 E. COLUMBIA ST.
FARMINGTON, MO 63640
* $ 212,332,000 1 $ 152,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ 20,474,937,000 1 $ 76,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 244,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 5,998,925,000 1 $ 219,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 1 $ 235,000
Central Bank of Warrensburg
PO BOX 477
WARRENSBURG, MO 64093
* $ 210,640,000 1 $ 162,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 9,264,881,000 1 $ 66,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 148,000
Sterling Bank
P O BOX 460, 1100 STERLING DRIVE
POPLAR BLUFF, MO 63902
* $ 865,444,000 1 $ 6,135,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 206,674,000 1 $ 211,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 119,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 18,823,520,000 1 $ 111,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 155,507,000 1 $ 126,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 94,000
Farmers Bank of Lohman
P.O. BOX 22
LOHMAN, MO 65053
* $ 67,430,000 1 $ 62,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ 445,663,000 1 $ 111,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 402,807,000 1 $ 92,000
Jonesburg State Bank
508 N STATE HWY 47
WARRENTON, MO 63383
* $ 73,060,000 1 $ 248,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ 534,966,000 1 $ 138,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 334,477,000 1 $ 135,000
Newcastle Home Loans LLC
1700 W CORTLAND STREET, STE 203
CHICAGO, IL 60622
* $ 29,707,000 1 $ 129,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 54,000
Origin Bank

HOUSTON, TX 77024
* $ 3,951,154,000 1 $ 180,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 111,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 650,443,000 1 $ 58,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 169,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 162,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 1 $ 146,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 230,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 287,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ 5,324,994,000 1 $ 89,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 40,000

The tables below break down 2016 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 2016

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 1,011 $133,118,000 $131,000 $1,009,000 $57,000 $742,000
Refinancing 734 $99,813,000 $135,000 $1,250,000 $59,000 $847,000
Home Improvement 178 $16,106,000 $90,000 $6,135,000 $58,000 $248,000

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 1,567 $194,192,000 $123,000 $417,000 $63,000 $847,000
Not applicable 154 $29,833,000 $193,000 $6,135,000 $9,000 $200,000
Not Provided 128 $16,359,000 $127,000 $291,000 $63,000 $277,000
Black or African American 28 $2,934,000 $104,000 $180,000 $47,000 $159,000
Hispanic 26 $3,380,000 $130,000 $426,000 $45,000 $177,000
American Indian or Alaskan Native 10 $1,048,000 $104,000 $193,000 $41,000 $85,000
Asian 9 $1,156,000 $128,000 $257,000 $64,000 $104,000
Native Hawaiin or Other Pacific Islander 1 $135,000 $135,000 $135,000 $49,000 $49,000

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) 1,183 $145,862,000 $123,000 $6,135,000 $67,000 $840,000
FHA-insured (Federal Housing Administration) 288 $36,934,000 $128,000 $281,000 $43,000 $262,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 235 $29,215,000 $124,000 $253,000 $37,000 $94,000
VA-guaranteed (Veterans Administration) 217 $37,026,000 $170,000 $426,000 $47,000 $847,000

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 1,083 $146,884,000 $135,000 $6,135,000 $64,000 $742,000
Application Denied By Financial Institution 346 $39,128,000 $113,000 $1,250,000 $56,000 $847,000
Loan Purchased By The Institution 220 $30,016,000 $136,000 $349,000 $32,000 $200,000
Application Withdrawn By Applicant 144 $18,043,000 $125,000 $358,000 $57,000 $239,000
Application Approved But Not Accepted 71 $7,688,000 $108,000 $315,000 $62,000 $171,000
File Closed For Incompleteness 59 $7,278,000 $123,000 $426,000 $45,000 $170,000
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 61 $5,102,000 $83,000 $300,000 $48,000 $167,000
Debt-To-Income Ratio 31 $4,287,000 $138,000 $1,250,000 $35,000 $87,000
Collateral 31 $4,248,000 $137,000 $1,009,000 $52,000 $112,000
Credit Application Incomplete 14 $1,888,000 $134,000 $265,000 $46,000 $95,000
Other 9 $1,178,000 $130,000 $198,000 $56,000 $122,000
Employment History 5 $975,000 $195,000 $367,000 $72,000 $130,000
Insufficient Cash (Downpayment, Closing Cost) 1 $54,000 $54,000 $54,000 $52,000 $52,000
Unverifiable Information 1 $333,000 $333,000 $333,000 $149,000 $149,000
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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