Carlton County, MN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,086 mortgage applications in Carlton County, MN totaling $192.9 million, down 33% from 2022. The average application was for $177,000, and applicants reported an average income of $102,000. 64% of applications resulted in an originated loan and 12% were denied. The most active lender was Northwoods Credit Union, with 105 applications, followed by Members Cooperative Credit Union 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 | 1,086 |
| Total Mortgage Loan Application Amount | $192,910,000 |
| Average Mortgage Loan Application Amount | $177,000 |
| Highest Mortgage Loan Application Amount | $2,575,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $747,000 |
* 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 |
|---|---|---|---|---|
| Northwoods Credit Union 1702 AVE B CLOQUET, MN 55720 |
* | $ 162,399,000 | 105 | $ 7,965,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 1,152,301,000 | 99 | $ 11,025,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 79 | $ 17,475,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 399,856,000 | 67 | $ 16,185,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 3,163,444,000 | 55 | $ 10,025,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 427,321,000 | 46 | $ 10,110,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 33 | $ 7,375,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 4,078,225,000 | 28 | $ 2,370,000 |
| Fnb Moose Lake 400 ELM AVENUE PO BOX 429 MOOSE LAKE, MN 55767 |
* | $ 124,170,000 | 26 | $ 4,150,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 20 | $ 5,630,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 19 | $ 4,425,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 708,340,000 | 18 | $ 2,670,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 18 | $ 4,400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 15 | $ 3,725,000 |
| Centricity Credit Union 4477 LAVAQUE RD DULUTH, MN 55811 |
* | $ 236,874,000 | 15 | $ 1,125,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 2,590,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 227,336,000 | 13 | $ 1,425,000 |
| National Bank of Commerce 1127 TOWER AVE SUPERIOR, WI 54880 |
* | $ 1,248,794,000 | 13 | $ 3,095,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 13 | $ 2,765,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 13 | $ 895,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 12 | $ 2,880,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 12 | $ 2,850,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 12 | $ 2,990,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 2,745,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 10 | $ 1,470,000 |
| Harbor Pointe Credit Union PO BOX 161558 DULUTH, MN 55802 |
* | $ 152,871,000 | 10 | $ 1,160,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 9 | $ 1,515,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 9 | $ 2,385,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 9 | $ 2,115,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 9 | $ 1,655,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 9 | $ 2,955,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 9 | $ 1,695,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 8 | $ 2,610,000 |
| Woodlands National Bank 122 EAST MAIN STREET P.O. BOX 190 HINCKLEY, MN 55037 |
* | $ 336,354,000 | 8 | $ 950,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,350,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 7 | $ 2,155,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 7 | $ 1,245,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,185,000 |
| Park State Bank 2630 WEST SUPERIOR STREET DULUTH, MN 55806 |
* | $ 1,082,644,000 | 7 | $ 1,535,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,035,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,740,477,000 | 6 | $ 720,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 6 | $ 1,220,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 6 | $ 770,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 745,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 5 | $ 955,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 745,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 4,614,668,000 | 4 | $ 720,000 |
| North Shore Federal Credit Union 85 OUTER DR SILVER BAY, MN 55614 |
* | $ 262,527,000 | 3 | $ 415,000 |
| Minnesota Power Employees Credit Union 30 W SUPERIOR ST. STE. 126 DULUTH, MN 55802 |
* | $ 122,967,000 | 3 | $ 545,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 3 | $ 845,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,552,579,000 | 3 | $ 635,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 3 | $ 635,000 |
| Western National Bank PO BOX 16050 DULUTH, MN 55816 |
* | $ 126,912,000 | 3 | $ 415,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 3 | $ 565,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 135,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 675,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ -1,000 | 3 | $ 555,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 1,105,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 3 | $ 145,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 457,589,000 | 2 | $ 210,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 2 | $ 130,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 70,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ 663,555,000 | 2 | $ 80,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 3,778,066,000 | 2 | $ 470,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 180,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 260,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 6,574,512,000 | 2 | $ 130,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 560,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 580,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 520,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 370,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 660,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 410,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 988,489,000 | 1 | $ 85,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,481,805,000 | 1 | $ 75,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 315,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 125,000 |
| Miners Nb of Eveleth 401 GRANT AVE EVELETH, MN 55734 |
* | $ 91,913,000 | 1 | $ 175,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 1 | $ 35,000 |
| First National Bank Minnesota 500 LONG STREET SAINT PETER, MN 56082 |
* | $ 442,713,000 | 1 | $ 405,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 5,145,209,000 | 1 | $ 355,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 632,992,000 | 1 | $ 75,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 145,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 225,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 95,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 533,091,000 | 1 | $ 105,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 125,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 275,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 195,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 35,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 245,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 505,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 575,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 5,264,106,000 | 1 | $ 25,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 542,602,000 | 1 | $ 85,000 |
| Americhoice Federal Credit Union 2175 BUMBLE BEE HOLLOW ROAD MECHANICSBURG, PA 17055 |
* | $ 234,587,000 | 1 | $ 145,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 175,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 435,814,000 | 1 | $ 245,000 |
| United Nations Federal CU 24-01 44TH ROAD 7TH FLOOR LONG ISLAND CITY, NY 11101 |
* | $ 7,971,719,000 | 1 | $ 265,000 |
| Hiawatha National Bank N1555 770TH ST HAGER CITY, WI 54014 |
* | $ 634,681,000 | 1 | $ 65,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 275,000 |
| Minnco Credit Union 235 WEST 1ST AVENUE CAMBRIDGE, MN 55008 |
* | $ 505,737,000 | 1 | $ 25,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 325,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 225,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 615,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 1,037,836,000 | 1 | $ 65,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 185,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 75,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 587,264,000 | 1 | $ 225,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 325,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 65,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 2,119,023,000 | 1 | $ 325,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 235,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 35,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 2,170,641,000 | 1 | $ 105,000 |
| Superior Savings Bank 1130 TOWER AVE SUPERIOR, WI 54880 |
* | $ 81,451,000 | 1 | $ 45,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 1 | $ 245,000 |
| Minnesota Valley Federal Credit Union 1640 ADAMS ST MANKATO, MN 56001 |
* | $ 281,176,000 | 1 | $ 75,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 235,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 455,000 |
The tables below break down 2023 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 2023
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 | 559 | $132,535,000 | $237,000 | $1,025,000 | $109,000 | $747,000 |
| Other Purpose | 172 | $12,840,000 | $74,000 | $605,000 | $99,000 | $530,000 |
| Cash-out Refinancing | 162 | $27,910,000 | $172,000 | $695,000 | $90,000 | $235,000 |
| Home Improvement | 124 | $6,880,000 | $55,000 | $215,000 | $103,000 | $585,000 |
| Refinancing | 68 | $12,620,000 | $185,000 | $2,575,000 | $86,000 | $327,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $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 | 855 | $145,235,000 | $169,000 | $1,025,000 | $103,000 | $747,000 |
| Not Provided | 98 | $18,770,000 | $191,000 | $625,000 | $104,000 | $409,000 |
| Not applicable | 76 | $19,630,000 | $258,000 | $2,575,000 | $0 | $0 |
| American Indian or Alaskan Native | 32 | $4,730,000 | $147,000 | $485,000 | $77,000 | $173,000 |
| Hispanic | 11 | $1,865,000 | $169,000 | $295,000 | $94,000 | $174,000 |
| Black or African American | 7 | $1,485,000 | $212,000 | $275,000 | $102,000 | $223,000 |
| Asian | 5 | $715,000 | $143,000 | $225,000 | $113,000 | $208,000 |
| 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) | 851 | $138,335,000 | $162,000 | $2,575,000 | $107,000 | $747,000 |
| FHA-insured (Federal Housing Administration) | 134 | $29,300,000 | $218,000 | $485,000 | $78,000 | $217,000 |
| VA-guaranteed (Veterans Administration) | 86 | $22,560,000 | $262,000 | $695,000 | $93,000 | $237,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,715,000 | $181,000 | $275,000 | $74,000 | $106,000 |
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 | 699 | $125,525,000 | $179,000 | $2,575,000 | $107,000 | $747,000 |
| Application Denied By Financial Institution | 129 | $17,815,000 | $138,000 | $615,000 | $79,000 | $409,000 |
| Application Withdrawn By Applicant | 111 | $20,475,000 | $184,000 | $615,000 | $94,000 | $360,000 |
| Loan Purchased By The Institution | 85 | $20,625,000 | $242,000 | $725,000 | $115,000 | $583,000 |
| Application Approved But Not Accepted | 34 | $4,020,000 | $118,000 | $325,000 | $115,000 | $530,000 |
| File Closed For Incompleteness | 27 | $4,125,000 | $152,000 | $415,000 | $103,000 | $394,000 |
| Preapproval Approved but not Accepted | 1 | $325,000 | $325,000 | $325,000 | $130,000 | $130,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 924 | $171,980,000 | $186,000 | $2,575,000 | $105,000 | $747,000 |
| Debt-To-Income Ratio | 90 | $12,720,000 | $141,000 | $615,000 | $94,000 | $585,000 |
| Credit History | 39 | $3,755,000 | $96,000 | $255,000 | $87,000 | $197,000 |
| Collateral | 11 | $1,515,000 | $137,000 | $565,000 | $126,000 | $409,000 |
| Credit Application Incomplete | 8 | $910,000 | $113,000 | $215,000 | $66,000 | $180,000 |
| Other | 7 | $875,000 | $125,000 | $315,000 | $85,000 | $119,000 |
| Employment History | 4 | $810,000 | $202,000 | $255,000 | $18,000 | $55,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $165,000 | $59,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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