Carlton County, MN Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 2,095 mortgage applications in Carlton County, MN totaling $299.5 million, down 18% from 2009. The average application was for $142,000, and applicants reported an average income of $69,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank, NA, with 351 applications, followed by PHH Mortgage Corporation and US Bank, N.A..
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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 | 2,095 |
| Total Mortgage Loan Application Amount | $299,471,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $560,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,000,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 351 | $ 50,598,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 128 | $ 19,807,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 122 | $ 19,373,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 215,677,000 | 121 | $ 19,645,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 282,724,000 | 115 | $ 10,961,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 111 | $ 16,913,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 108 | $ 16,988,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 117,854,000 | 66 | $ 10,209,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 164,190,000 | 62 | $ 8,681,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 54 | $ 7,867,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 49 | $ 5,901,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 47 | $ 4,966,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 47 | $ 8,131,000 |
| Northwoods Credit Union 1702 AVE B CLOQUET, MN 55720 |
* | $ 47,122,000 | 46 | $ 2,966,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 110,341,000 | 44 | $ 4,234,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 40 | $ 6,868,000 |
| Lake State Credit Union PO BOX 330 MOOSE LAKE, MN 55767 |
* | $ 183,030,000 | 36 | $ 5,358,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 31 | $ 4,150,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 27 | $ 4,665,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 23 | $ 3,188,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 23 | $ 3,561,000 |
| The First National Bank of Moose Lake 400 ELM AVENUE PO BOX 429 MOOSE LAKE, MN 55767 |
* | $ 64,490,000 | 21 | $ 1,979,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 20 | $ 1,731,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 20 | $ 3,402,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 17 | $ 2,687,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 16 | $ 2,035,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 15 | $ 2,577,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 14 | $ 1,942,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 13 | $ 2,777,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 569,666,000 | 13 | $ 1,983,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 12 | $ 1,963,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 1,609,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 846,129,000 | 8 | $ 840,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 8 | $ 1,083,000 |
| Queen City Federal Savings Ban 501 CHESTNUT STREET VIRGINIA, MN 55792 |
* | $ 242,864,000 | 8 | $ 635,000 |
| Western National Bank PO BOX 16050 DULUTH, MN 55816 |
* | $ 124,676,000 | 8 | $ 892,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 7 | $ 1,256,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 7 | $ 1,018,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 6 | $ 882,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 6 | $ 949,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 914,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 5 | $ 608,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 748,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 5 | $ 662,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 706,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 4 | $ 860,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 356,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 4 | $ 760,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 434,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 4 | $ 942,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 4 | $ 648,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 497,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 4 | $ 654,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 4 | $ 383,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 4 | $ 661,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 4 | $ 817,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 4 | $ 632,000 |
| Pioneer National Bank of Duluth, the 331 N CENTRAL AVE DULUTH, MN 55807 |
* | $ 81,637,000 | 4 | $ 445,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,120,512,000 | 3 | $ 429,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 3 | $ 537,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 3 | $ 344,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 3 | $ 238,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 3 | $ 322,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 398,000 |
| Mpecu 30 W SUPERIOR ST. STE. 126 DULUTH, MN 55802 |
* | $ 76,696,000 | 3 | $ 299,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 3 | $ 626,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 2 | $ 243,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 504,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 319,000 |
| Harbor Pointe Credit Union PO BOX 161558 DULUTH, MN 55802 |
* | $ 68,603,000 | 2 | $ 249,000 |
| Northern Communities CU 800 16TH AVE S VIRGINIA, MN 55792 |
* | $ 71,664,000 | 2 | $ 240,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 435,000 |
| River City Mortgage and Financ 5001 AMERICAN BLVD SUITE 1000 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 2 | $ 210,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 378,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 643,000 |
| Superior Savings Bank 1130 TOWER AVE SUPERIOR, WI 54880 |
* | $ 66,873,000 | 2 | $ 372,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 230,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 17,921,579,000 | 2 | $ 381,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 2 | $ 341,000 |
| The Business Bank 11100 WAYZATA BLVD SUITE 150 MINNETONKA, MN 55305 |
* | $ 151,022,000 | 2 | $ 425,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 2 | $ 225,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 306,722,000 | 2 | $ 334,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 2 | $ 341,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 2 | $ 348,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 219,921,000 | 2 | $ 435,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 69,000 |
| Highland Bank 5270 WEST 84TH STREET, SUITE 120 BLOOMINGTON, MN 55437 |
* | $ 558,991,000 | 1 | $ 15,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 224,936,000 | 1 | $ 159,000 |
| Hermantown Federal Credit Unio 4477 LAVAQUE RD HERMANTOWN, MN 55811 |
* | $ 68,730,000 | 1 | $ 24,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 543,312,000 | 1 | $ 132,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 216,229,000 | 1 | $ 170,000 |
| Farmers State Bank of Hamel PO BOX 236 HAMEL, MN 55340 |
* | $ 76,081,000 | 1 | $ 56,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 1 | $ 30,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 270,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 852,055,000 | 1 | $ 132,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 210,951,000 | 1 | $ 197,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 190,000 |
| Northwoods Bank of Minnesota PO BOX 112 PARK RAPIDS, MN 56470 |
* | $ 120,056,000 | 1 | $ 34,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 85,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 75,000 |
| Citizens Community Federal PO BOX 218 ALTOONA, WI 54720 |
* | $ 566,651,000 | 1 | $ 154,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 1 | $ 124,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 1 | $ 270,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 136,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 124,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 107,000 |
| First National Bank 101 W LAKE ST. CHISHOLM, MN 55719 |
* | $ 78,152,000 | 1 | $ 138,000 |
| Peoples Bank Midwest 10583 MAIN STREET HAYWARD, WI 54843 |
* | $ 331,868,000 | 1 | $ 190,000 |
| Community Resource Bank 1605 HERITAGE DRIVE NORTHFIELD, MN 55057 |
* | $ 244,558,000 | 1 | $ 158,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 137,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,841,918,000 | 1 | $ 156,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 110,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Mac-Clair Mortgage Corporation 4255 S SAGINAW ST BURTON, MI 48529 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 194,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 2,522,940,000 | 1 | $ 153,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 276,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Nsp St Paul Credit Union 825 RICE ST ST PAUL, MN 55117 |
* | $ 56,677,000 | 1 | $ 9,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 795,264,000 | 1 | $ 80,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 267,440,000 | 1 | $ 25,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 107,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 167,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 78,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 119,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 156,000 |
The tables below break down 2010 mortgage applications in Carlton County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Carlton County, MN in 2010
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 | 1,513 | $225,151,000 | $148,000 | $444,000 | $70,000 | $1,000,000 |
| Home Purchase | 463 | $67,574,000 | $145,000 | $560,000 | $66,000 | $852,000 |
| Home Improvement | 119 | $6,746,000 | $56,000 | $245,000 | $65,000 | $210,000 |
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 | 1,828 | $261,512,000 | $143,000 | $560,000 | $72,000 | $1,000,000 |
| Not Provided | 127 | $19,420,000 | $152,000 | $400,000 | $79,000 | $1,000,000 |
| Not applicable | 80 | $11,454,000 | $143,000 | $309,000 | $1,000 | $54,000 |
| American Indian or Alaskan Native | 36 | $3,574,000 | $99,000 | $350,000 | $56,000 | $108,000 |
| Hispanic | 15 | $2,280,000 | $152,000 | $275,000 | $67,000 | $162,000 |
| Asian | 5 | $518,000 | $103,000 | $135,000 | $30,000 | $35,000 |
| Black or African American | 3 | $590,000 | $196,000 | $226,000 | $20,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $123,000 | $123,000 | $123,000 | $52,000 | $52,000 |
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) | 1,602 | $222,088,000 | $138,000 | $560,000 | $75,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 383 | $61,305,000 | $160,000 | $322,000 | $53,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 64 | $9,894,000 | $154,000 | $336,000 | $40,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $6,184,000 | $134,000 | $358,000 | $43,000 | $92,000 |
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 | 1,133 | $153,607,000 | $135,000 | $417,000 | $73,000 | $1,000,000 |
| Application Denied By Financial Institution | 337 | $47,261,000 | $140,000 | $560,000 | $64,000 | $1,000,000 |
| Loan Purchased By The Institution | 262 | $42,033,000 | $160,000 | $417,000 | $52,000 | $498,000 |
| Application Withdrawn By Applicant | 202 | $33,020,000 | $163,000 | $444,000 | $79,000 | $852,000 |
| Application Approved But Not Accepted | 103 | $14,953,000 | $145,000 | $417,000 | $69,000 | $266,000 |
| File Closed For Incompleteness | 58 | $8,597,000 | $148,000 | $316,000 | $57,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 76 | $10,928,000 | $143,000 | $396,000 | $51,000 | $255,000 |
| Collateral | 73 | $10,994,000 | $150,000 | $390,000 | $74,000 | $508,000 |
| Credit History | 62 | $7,686,000 | $123,000 | $560,000 | $67,000 | $248,000 |
| Other | 32 | $4,265,000 | $133,000 | $272,000 | $65,000 | $235,000 |
| Credit Application Incomplete | 11 | $1,381,000 | $125,000 | $212,000 | $46,000 | $170,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $852,000 | $213,000 | $313,000 | $71,000 | $99,000 |
| Unverifiable Information | 3 | $557,000 | $185,000 | $334,000 | $73,000 | $108,000 |
| Employment History | 2 | $225,000 | $112,000 | $138,000 | $21,000 | $26,000 |
| Mortgage Insurance Denied | 1 | $120,000 | $120,000 | $120,000 | $52,000 | $52,000 |
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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