Callaway County, MO Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,781 mortgage applications in Callaway County, MO totaling $258.0 million, up 9% from 2018. The average application was for $144,000, and applicants reported an average income of $70,000. 56% of applications resulted in an originated loan and 13% were denied. The most active lender was The Central Trust Bank, with 206 applications, followed by Flat Branch Mortgage, Inc. and The Callaway 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 1,781
Total Mortgage Loan Application Amount $258,035,000
Average Mortgage Loan Application Amount $144,000
Highest Mortgage Loan Application Amount $2,705,000
Average Applicant Income $70,000
Highest Applicant Income $2,047,000

Mortgage Company List for Lending in Callaway County, MO for 2019

* 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
* $ 2,581,302,000 206 $ 30,600,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 118 $ 16,720,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 368,874,000 111 $ 14,975,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 588,136,000 66 $ 9,610,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 468,640,000 51 $ 9,005,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 49 $ 3,695,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 47 $ 8,215,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 47 $ 7,075,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 46 $ 8,120,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 46 $ 7,330,000
Landmark Bank
PO BOX 1867
COLUMBIA, MO 65201
* $ 3,131,689,000 38 $ 6,790,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 37 $ 5,575,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 237,246,000 36 $ 4,640,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 341,728,000 34 $ 5,300,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 311,829,000 33 $ 3,845,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 31 $ 4,365,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 28 $ 4,470,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 205,374,000 28 $ 3,250,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 27 $ 3,415,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 23 $ 2,835,000
United Credit Union
802 E. BRECKENRIDGE, P.O. BOX 858
MEXICO, MO 65265
* $ 170,406,000 23 $ 1,705,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 22 $ 3,120,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,473,877,000 22 $ 4,080,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 19 $ 3,905,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,383,765,000 19 $ 1,935,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 18 $ 2,920,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 1,045,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 17 $ 875,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ 63,468,000 16 $ 1,700,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 15 $ 2,605,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 2,300,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 2,135,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 13 $ 2,215,000
Central Bank of Boone County
720 E. BROADWAY
COLUMBIA, MO 65201
* $ 2,066,454,000 13 $ 2,065,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 12 $ 2,010,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 12 $ 1,660,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,390,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 11 $ 1,595,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 2,045,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 10 $ 770,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,773,230,000 8 $ 1,130,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,513,109,000 8 $ 1,320,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 8 $ 920,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 182,504,000 8 $ 1,420,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 1,250,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 825,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 925,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 735,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 7 $ 935,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 7 $ 1,195,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,565,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 540,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 650,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,230,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 6 $ 1,430,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 6 $ 290,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 405,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 895,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 282,714,000 5 $ 815,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 966,018,000 4 $ 1,040,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 340,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,465,224,000 4 $ 510,000
Peoples Savings Bank
101 BLUFF STREET
RHINELAND, MO 65069
* $ 272,288,000 4 $ 500,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 4 $ 700,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 4 $ 750,000
Bank of St. Elizabeth
215 MAIN STREET, PO BOX 8
SAINT ELIZABETH, MO 65075
* $ 140,064,000 4 $ 730,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 740,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 4 $ 420,000
Legends Bank
PO BOX 888
LINN, MO 65051
* $ 375,768,000 3 $ 285,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,504,519,000 3 $ 75,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 595,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,346,426,000 3 $ 485,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 3 $ 605,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 435,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ -1,000 3 $ 615,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 7,690,612,000 3 $ 455,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 3 $ 515,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 605,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 3 $ 415,000
Connections Bank
2817 N BALTIMORE ST
KIRKSVILLE, MO 63501
* $ 86,426,000 3 $ 275,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 145,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 3 $ 275,000
First Midwest Bank of the Ozarks
P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD
POPLAR BLUFF, MO 63901
* $ 421,992,000 3 $ 545,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 3 $ 695,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,637,595,000 3 $ 435,000
Heritage Community Bank
100 E LOCUST ST
UNION, MO 63084
* $ 142,400,000 2 $ 780,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ 472,108,000 2 $ 2,850,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 90,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 200,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ 469,791,000 2 $ 170,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 2 $ 330,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 187,387,000 2 $ 370,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 400,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 220,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 300,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 112,044,000 2 $ 180,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 2 $ 230,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,321,162,000 2 $ 360,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 420,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 16,518,217,000 2 $ 460,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 190,000
The Bank of Old Monroe
2100 HWY C, PO BOX 188
OLD MONROE, MO 63369
* $ 365,325,000 2 $ 400,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 160,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 2 $ 210,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 2 $ 130,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 2 $ 130,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 150,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 2 $ 260,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 75,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 7,347,510,000 1 $ 105,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 175,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 125,000
Jonesburg State Bank
508 N STATE HWY 47
WARRENTON, MO 63383
* $ 94,885,000 1 $ 35,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ 121,031,000 1 $ 195,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 666,879,000 1 $ 65,000
Bank of Franklin County
900 EAST EIGHTH STREET
WASHINGTON, MO 63090
* $ 262,946,000 1 $ 665,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 85,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 1 $ 135,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 215,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 45,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 295,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,707,183,000 1 $ 165,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 15,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 10,322,441,000 1 $ 35,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 205,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 105,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 75,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 353,041,000 1 $ 85,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 75,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 165,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 23,137,750,000 1 $ 175,000
Community Point Bank
13218 RAILROAD AVE PO BOX 457
RUSSELLVILLE, MO 65074
* $ 129,272,000 1 $ 115,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 364,059,000 1 $ 215,000
Tri-County Trust Company
103 COMMERCE ST
GLASGOW, MO 65254
* $ 57,840,000 1 $ 85,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 195,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 295,000
Central Bank of the Midwest
609 N. HIGHWAY 291
LEE'S SUMMIT, MO 64063
* $ 1,761,643,000 1 $ 75,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 1 $ 235,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 295,000
The Missouri Bank II
1601 S LIMIT
SEDALIA, MO 65301
* $ 96,274,000 1 $ 165,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 382,595,000 1 $ 155,000
Citizens Community Bank
100 ROE ST
PILOT GROVE, MO 65276
* $ 99,736,000 1 $ 165,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 75,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 215,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 75,000
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ 159,371,000 1 $ 145,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 1 $ 135,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ 238,260,000 1 $ 155,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 115,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 145,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 105,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 2,599,291,000 1 $ 25,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 135,000
Peoples Bank & Trust Co.
430 E. WOOD STREET
TROY, MO 63379
* $ 457,301,000 1 $ 155,000

The tables below break down 2019 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 2019

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 982 $147,640,000 $150,000 $2,705,000 $69,000 $2,047,000
Refinancing 365 $55,335,000 $151,000 $485,000 $76,000 $669,000
Cash-out Refinancing 289 $44,395,000 $153,000 $875,000 $68,000 $220,000
Other Purpose 69 $5,505,000 $79,000 $555,000 $70,000 $160,000
Home Improvement 62 $3,700,000 $59,000 $195,000 $73,000 $255,000
Not Applicable 14 $1,460,000 $104,000 $165,000 $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 1,389 $196,275,000 $141,000 $875,000 $69,000 $640,000
Not applicable 197 $32,675,000 $165,000 $2,705,000 $56,000 $146,000
Not Provided 112 $17,500,000 $156,000 $455,000 $73,000 $467,000
Black or African American 46 $6,070,000 $131,000 $355,000 $49,000 $165,000
Hispanic 17 $2,415,000 $142,000 $285,000 $108,000 $669,000
American Indian or Alaskan Native 15 $2,325,000 $155,000 $335,000 $206,000 $2,047,000
Asian 4 $570,000 $142,000 $295,000 $75,000 $127,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 1,084 $153,570,000 $141,000 $2,705,000 $78,000 $2,047,000
FHA-insured (Federal Housing Administration) 273 $37,025,000 $135,000 $305,000 $54,000 $177,000
VA-guaranteed (Veterans Administration) 239 $43,665,000 $182,000 $405,000 $63,000 $215,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 185 $23,775,000 $128,000 $255,000 $48,000 $95,000

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 997 $149,355,000 $149,000 $2,705,000 $73,000 $2,047,000
Application Withdrawn By Applicant 246 $38,420,000 $156,000 $875,000 $71,000 $499,000
Application Denied By Financial Institution 234 $25,280,000 $108,000 $385,000 $60,000 $208,000
Loan Purchased By The Institution 223 $34,525,000 $154,000 $485,000 $61,000 $157,000
File Closed For Incompleteness 45 $5,855,000 $130,000 $305,000 $50,000 $189,000
Application Approved But Not Accepted 36 $4,600,000 $127,000 $475,000 $91,000 $669,000
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
Not applicable 1,260 $189,650,000 $150,000 $875,000 $68,000 $377,000
Debt-To-Income Ratio 374 $52,920,000 $141,000 $2,705,000 $78,000 $2,047,000
Credit History 70 $7,230,000 $103,000 $275,000 $61,000 $167,000
Collateral 41 $4,765,000 $116,000 $305,000 $69,000 $208,000
Credit Application Incomplete 16 $1,810,000 $113,000 $275,000 $72,000 $190,000
Other 15 $1,415,000 $94,000 $165,000 $48,000 $75,000
Unverifiable Information 4 $160,000 $40,000 $55,000 $39,000 $74,000
Insufficient Cash (Downpayment, Closing Cost) 1 $85,000 $85,000 $85,000 $75,000 $75,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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