Carroll County, VA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,257 mortgage applications in Carroll County, VA totaling $145.9 million, down 5% from 2008. The average application was for $116,000, and applicants reported an average income of $56,000. 47% of applications resulted in an originated loan and 19% were denied. The most active lender was Branch Banking and Trust Co, with 215 applications, followed by Bank of America, N.A. and Wells Fargo Bank, NA.
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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 | 1,257 |
| Total Mortgage Loan Application Amount | $145,872,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $542,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 215 | $ 23,747,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 111 | $ 13,239,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 94 | $ 11,442,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 2,800,478,000 | 75 | $ 3,031,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 56 | $ 7,149,000 |
| First National Bk of the South P.O. BOX 3508 SPARTANBURG, SC 29304 |
* | $ 814,340,000 | 41 | $ 5,765,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 39 | $ 3,856,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 36 | $ 2,392,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 34 | $ 4,294,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 34 | $ 4,030,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 26 | $ 3,883,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 23 | $ 3,880,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 21 | $ 3,219,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 21 | $ 3,333,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 19 | $ 1,295,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 13,862,840,000 | 18 | $ 1,668,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 18 | $ 2,621,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 2,317,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 16 | $ 1,992,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 14 | $ 730,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 14 | $ 2,182,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 13 | $ 1,469,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 13 | $ 1,268,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,195,687,000 | 13 | $ 1,015,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 16,639,856,000 | 11 | $ 954,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 11 | $ 1,146,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 9 | $ 1,284,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 8 | $ 777,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 7 | $ 979,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,686,491,000 | 7 | $ 772,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 6 | $ 987,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 616,230,000 | 6 | $ 873,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 931,419,000 | 6 | $ 410,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 6 | $ 38,000 |
| Residential Mortgage Corporati 2577 RAVENHILL DRIVE FAYETTEVILLE, NC 28303 |
* | $ 1,643,000 | 6 | $ 783,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 5 | $ 980,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 900,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 2,753,725,000 | 5 | $ 669,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 5 | $ 614,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,103,444,000 | 4 | $ 173,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 4 | $ 822,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 998,546,000 | 4 | $ 548,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 4 | $ 1,188,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 4 | $ 735,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,933,064,000 | 4 | $ 407,000 |
| Southern Community Bank and Tr 465 SHEPHERD STREET WINSTON SALEM, NC 27103 |
* | $ 1,800,127,000 | 4 | $ 294,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 4 | $ 944,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 565,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 533,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 436,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 3 | $ 281,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 608,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 3 | $ 266,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 3 | $ 530,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 550,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 1,083,032,000 | 3 | $ 369,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 2,087,336,000 | 3 | $ 714,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 843,658,000 | 3 | $ 426,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 3 | $ 209,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 3 | $ 475,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 1,219,917,000 | 2 | $ 345,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 377,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 2 | $ 434,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 332,035,000 | 2 | $ 112,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 163,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 174,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 2 | $ 302,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 410,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 2 | $ 133,000 |
| Cunningham & Company 804 GREEN VALLEY ROAD, SUITE 106 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 2 | $ 372,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 285,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 2 | $ 109,000 |
| Amerisouth Mortgage Company 2101 SARDIS RD N STE 120 CHARLOTTE, NC 28227 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Bradford Mortgage Company 100 N. CHERRY STREET, SUITE 400 WINSTON-SALEM, NC 27101 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 233,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 122,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Dell Franklin Financial LLC 8334 VETERANS HIGHWAY, SUITE #1 MILLERSVILLE, MD 21108 |
* | $ 9,519,000 | 1 | $ 121,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 1 | $ 45,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 43,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ 10,000,000 | 1 | $ 87,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 125,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 80,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 222,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 108,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 242,361,000 | 1 | $ 179,000 |
| Union Bk 108 COLLEGE STREET OXFORD, NC 27565 |
* | $ 138,792,000 | 1 | $ 65,000 |
| Park Sterling Bank 1043 E MOREHEAD ST, STE 201 CHARLOTTE, NC 28204 |
* | $ 428,076,000 | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 145,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 62,318,000 | 1 | $ 131,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 128,000 |
| First Trust Bank of Illinois 275 E COURT ST KANKAKEE, IL 60901 |
* | $ 176,932,000 | 1 | $ 55,000 |
| Homcastle Mortgage, LLC 50 APPLIED CARD WAY GLEN MILLS, PA 19342 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Citizens South Bank PO BOX 2249 GASTONIA, NC 28053 |
* | $ 817,283,000 | 1 | $ 119,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 76,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 80,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,476,384,000 | 1 | $ 210,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 2,246,123,000 | 1 | $ 10,000 |
| Roanoke Postal Employees' FCU PO BOX 12405 ROANOKE, VA 24025 |
* | $ 98,237,000 | 1 | $ 62,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 175,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 35,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 1,098,536,000 | 1 | $ 110,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 1,206,771,000 | 1 | $ 80,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 234,000 |
| Seaside National Bank & Trust 201 S ORANGE AVE, STE 1350 ORLANDO, FL 32801 |
* | $ 367,296,000 | 1 | $ 141,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 131,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 2,042,043,000 | 1 | $ 268,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 124,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 152,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 137,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 168,000 |
| Farmers and Merchants Bank 138 SALISBURY AVENUE GRANITE QUARRY, NC 28072 |
* | $ 680,721,000 | 1 | $ 153,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 15,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 175,104,000 | 1 | $ 100,000 |
| Newbridge Bank 1501 HIGHWOODS BLVD, SUITE 400 GREENSBORO, NC 27410 |
* | $ 2,073,346,000 | 1 | $ 71,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 1,522,454,000 | 1 | $ 90,000 |
The tables below break down 2009 mortgage applications in Carroll County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Carroll County, VA in 2009
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 | 890 | $111,899,000 | $125,000 | $417,000 | $56,000 | $542,000 |
| Home Purchase | 265 | $29,327,000 | $110,000 | $360,000 | $60,000 | $505,000 |
| Home Improvement | 102 | $4,646,000 | $45,000 | $209,000 | $45,000 | $290,000 |
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 | 1,002 | $115,510,000 | $115,000 | $394,000 | $58,000 | $505,000 |
| Not Provided | 117 | $13,571,000 | $115,000 | $334,000 | $56,000 | $542,000 |
| Not applicable | 114 | $14,163,000 | $124,000 | $417,000 | $39,000 | $456,000 |
| Hispanic | 18 | $1,699,000 | $94,000 | $194,000 | $57,000 | $227,000 |
| American Indian or Alaskan Native | 3 | $442,000 | $147,000 | $202,000 | $42,000 | $79,000 |
| Black or African American | 2 | $424,000 | $212,000 | $220,000 | $67,000 | $90,000 |
| Asian | 1 | $63,000 | $63,000 | $63,000 | $27,000 | $27,000 |
| 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) | 926 | $105,175,000 | $113,000 | $417,000 | $63,000 | $542,000 |
| FHA-insured (Federal Housing Administration) | 244 | $30,393,000 | $124,000 | $276,000 | $39,000 | $333,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $7,153,000 | $110,000 | $194,000 | $27,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,151,000 | $143,000 | $241,000 | $47,000 | $110,000 |
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 | 586 | $66,179,000 | $112,000 | $377,000 | $60,000 | $542,000 |
| Application Denied By Financial Institution | 236 | $24,648,000 | $104,000 | $334,000 | $50,000 | $309,000 |
| Loan Purchased By The Institution | 231 | $28,634,000 | $123,000 | $417,000 | $42,000 | $456,000 |
| Application Withdrawn By Applicant | 139 | $18,254,000 | $131,000 | $394,000 | $70,000 | $505,000 |
| Application Approved But Not Accepted | 35 | $4,223,000 | $120,000 | $382,000 | $68,000 | $456,000 |
| File Closed For Incompleteness | 29 | $3,821,000 | $131,000 | $295,000 | $56,000 | $180,000 |
| Preapproval Denied by Financial Institution | 1 | $113,000 | $113,000 | $113,000 | $71,000 | $71,000 |
| Preapproval Approved but not Accepted | 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 | 53 | $3,887,000 | $73,000 | $213,000 | $38,000 | $227,000 |
| Debt-To-Income Ratio | 45 | $6,234,000 | $138,000 | $334,000 | $46,000 | $190,000 |
| Collateral | 35 | $4,284,000 | $122,000 | $322,000 | $77,000 | $254,000 |
| Other | 20 | $1,638,000 | $81,000 | $224,000 | $65,000 | $309,000 |
| Credit Application Incomplete | 5 | $792,000 | $158,000 | $224,000 | $86,000 | $131,000 |
| Employment History | 4 | $308,000 | $77,000 | $122,000 | $22,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $185,000 | $92,000 | $131,000 | $55,000 | $79,000 |
| Unverifiable Information | 2 | $232,000 | $116,000 | $188,000 | $67,000 | $120,000 |
| 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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