Callaway County, MO Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,660 mortgage applications in Callaway County, MO totaling $207.0 million, down 14% from 2016. The average application was for $124,000, and applicants reported an average income of $61,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was The Central Trust Bank, with 169 applications, followed by The Callaway Bank and Flat Branch Mortgage, Inc..

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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 1,660
Total Mortgage Loan Application Amount $207,015,000
Average Mortgage Loan Application Amount $124,000
Highest Mortgage Loan Application Amount $2,073,000
Average Applicant Income $61,000
Highest Applicant Income $8,801,000

Mortgage Company List for Lending in Callaway County, MO for 2017

* 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
* $ 2,684,312,000 169 $ 20,540,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 351,524,000 141 $ 13,274,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 92 $ 12,279,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 396,419,000 60 $ 8,466,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 552,964,000 57 $ 7,828,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 56 $ 6,590,000
Landmark Bank
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,567,353,000 50 $ 7,049,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 49 $ 6,787,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 48 $ 6,331,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 202,888,000 47 $ 5,291,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 45 $ 6,203,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 39 $ 6,634,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,042,021,000 36 $ 3,220,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 30 $ 1,809,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 179,014,000 30 $ 3,205,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 28 $ 4,041,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 23 $ 2,667,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 23 $ 3,272,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,681,854,000 23 $ 3,876,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 22 $ 3,131,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ 59,268,000 22 $ 1,689,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 20 $ 3,077,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 184,286,000 19 $ 2,893,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 19 $ 2,111,000
United Credit Union
802 E. BRECKENRIDGE, P.O. BOX 858
MEXICO, MO 65265
* $ 163,460,000 18 $ 1,077,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,280,492,000 17 $ 1,888,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,529,171,000 16 $ 2,104,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 1,477,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 2,472,000
Central Bank of Boone County
720 E. BROADWAY
COLUMBIA, MO 65201
* $ 1,763,908,000 13 $ 1,763,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 13 $ 934,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 13 $ 2,926,000
Providence Bank
3855 FORUM BOULEVARD
COLUMBIA, MO 65203
* $ 940,761,000 12 $ 1,076,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 12 $ 1,281,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 374,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 11 $ 1,361,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 10 $ 1,389,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 9 $ 880,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 310,502,000 9 $ 866,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 9 $ 1,221,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 8 $ 762,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,250,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 632,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 7 $ 638,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 7 $ 661,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 7 $ 983,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 6 $ 633,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 6 $ 1,219,000
Legends Bank
PO BOX 888
LINN, MO 65051
* $ 336,517,000 6 $ 285,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,120,614,000 5 $ 359,000
Bank of St. Elizabeth
215 MAIN STREET, PO BOX 8
SAINT ELIZABETH, MO 65075
* $ 124,225,000 5 $ 499,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 5 $ 811,000
Peoples Savings Bank
101 BLUFF STREET
RHINELAND, MO 65069
* $ 232,036,000 5 $ 617,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 5 $ 826,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 711,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 669,149,000 5 $ 325,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ -1,000 5 $ 583,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 696,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 4 $ 263,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 419,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 4 $ 480,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 4 $ 501,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 4 $ 67,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 3 $ 27,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 347,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 3 $ 484,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 888,000
Martinsburg Bank and Trust
107 W KELLETT P O BOX 66
MARTINSBURG, MO 65264
* $ 189,893,000 3 $ 365,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 3 $ 92,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 3 $ 387,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 3 $ 507,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,160,352,000 3 $ 444,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 298,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 142,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 685,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 969,397,000 2 $ 453,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 474,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 2 $ 181,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ -1,000 2 $ 321,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 2 $ 334,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,183,870,000 2 $ 237,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 333,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,163,042,000 2 $ 274,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 2 $ 221,000
Ozarks Federal Savings and Loan
2 E. COLUMBIA ST.
FARMINGTON, MO 63640
* $ 222,287,000 2 $ 485,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 20,399,583,000 2 $ 273,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 13,265,339,000 2 $ 224,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,483,848,000 2 $ 115,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 198,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 285,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 335,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ 448,132,000 2 $ 167,000
Town & Country Bank
PO BOX 349
SALEM, MO 65560
* $ 506,652,000 2 $ 145,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 362,957,000 2 $ 300,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 246,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 561,134,000 1 $ 165,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 1,842,691,000 1 $ 626,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ 131,370,000 1 $ 61,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 687,852,000 1 $ 736,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 1 $ 49,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ 0 1 $ 0
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 109,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 172,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,335,298,000 1 $ 150,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 1 $ 67,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 39,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 2,191,786,000 1 $ 136,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 148,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,631,667,000 1 $ 108,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 162,355,000 1 $ 253,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 194,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 1 $ 120,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 170,000
Origin Bank

HOUSTON, TX 77024
* $ 4,051,724,000 1 $ 116,000
The Missouri Bank II
1601 S LIMIT
SEDALIA, MO 65301
* $ 84,177,000 1 $ 53,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 1 $ 189,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 1 $ 169,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 236,585,000 1 $ 68,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 190,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,553,702,000 1 $ 9,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 1 $ 25,000
Partner Colorado Credit Union
6221 SHERIDAN BLVD
ARVADA, CO 80003
* $ 318,883,000 1 $ 230,000
Community Point Bank
13218 RAILROAD AVE PO BOX 457
RUSSELLVILLE, MO 65074
* $ 115,210,000 1 $ 153,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 1 $ 98,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 186,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 149,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 102,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,712,246,000 1 $ 178,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 1 $ 520,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ 99,724,000 1 $ 250,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 1 $ 187,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 132,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 19,227,800,000 1 $ 70,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 63,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 155,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 1 $ 140,000
BNC National Bank

BISMARCK, ND 58501
* $ 908,911,000 1 $ 123,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 77,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,234,613,000 1 $ 164,000
Fortunebank
3494 JEFFCO BLVD
ARNOLD, MO 63010
* $ 188,284,000 1 $ 188,000
Mazuma Credit Union
7260 W 135TH STREET
OVERLAND PARK, KS 66223
* $ 580,082,000 1 $ 55,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 0 1 $ 70,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 21,301,361,000 1 $ 135,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 148,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 201,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 68,000
Community State Bank
625 SE 2ND ST
GALVA, IL 61434
* $ 207,122,000 1 $ 2,073,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 236,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 107,963,000 1 $ 169,000

The tables below break down 2017 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 2017

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 988 $131,865,000 $133,000 $705,000 $55,000 $825,000
Refinancing 519 $67,479,000 $130,000 $2,073,000 $73,000 $8,801,000
Home Improvement 153 $7,671,000 $50,000 $300,000 $64,000 $600,000

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 1,308 $158,815,000 $121,000 $705,000 $69,000 $8,801,000
Not applicable 201 $29,345,000 $145,000 $2,073,000 $6,000 $145,000
Not Provided 97 $12,461,000 $128,000 $670,000 $75,000 $600,000
Black or African American 22 $2,262,000 $102,000 $236,000 $54,000 $128,000
Hispanic 19 $2,502,000 $131,000 $421,000 $48,000 $111,000
American Indian or Alaskan Native 10 $1,083,000 $108,000 $253,000 $45,000 $70,000
Native Hawaiian or Other Pacific Islander 2 $429,000 $214,000 $216,000 $52,000 $53,000
Asian 1 $118,000 $118,000 $118,000 $595,000 $595,000

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) 975 $116,098,000 $119,000 $2,073,000 $68,000 $825,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 267 $31,525,000 $118,000 $365,000 $33,000 $101,000
FHA-insured (Federal Housing Administration) 240 $29,385,000 $122,000 $254,000 $75,000 $8,801,000
VA-guaranteed (Veterans Administration) 178 $30,007,000 $168,000 $421,000 $51,000 $165,000

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 916 $117,306,000 $128,000 $2,073,000 $74,000 $8,801,000
Application Denied By Financial Institution 256 $27,237,000 $106,000 $670,000 $51,000 $271,000
Loan Purchased By The Institution 227 $30,228,000 $133,000 $417,000 $21,000 $208,000
Application Withdrawn By Applicant 167 $21,310,000 $127,000 $350,000 $52,000 $200,000
Application Approved But Not Accepted 48 $5,694,000 $118,000 $285,000 $90,000 $825,000
File Closed For Incompleteness 45 $5,154,000 $114,000 $421,000 $64,000 $540,000
Preapproval Approved but not Accepted 1 $86,000 $86,000 $86,000 $31,000 $31,000
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
Credit History 42 $3,605,000 $85,000 $280,000 $61,000 $271,000
Debt-To-Income Ratio 27 $3,745,000 $138,000 $520,000 $50,000 $120,000
Collateral 22 $2,111,000 $95,000 $260,000 $63,000 $162,000
Credit Application Incomplete 16 $2,247,000 $140,000 $280,000 $54,000 $174,000
Other 9 $982,000 $109,000 $200,000 $62,000 $154,000
Insufficient Cash (Downpayment, Closing Cost) 2 $270,000 $135,000 $200,000 $75,000 $117,000
Unverifiable Information 1 $173,000 $173,000 $173,000 $65,000 $65,000
Employment History 1 $100,000 $100,000 $100,000 $31,000 $31,000
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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