Carroll County, VA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,210 mortgage applications in Carroll County, VA totaling $202.6 million, up 11% from 2012. The average application was for $167,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Truist Bank, with 194 applications, followed by Wells Fargo Bank NA and JPMorgan Chase 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 | 1,210 |
| Total Mortgage Loan Application Amount | $202,635,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $43,848,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $729,000 |
* 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 |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 194 | $ 16,377,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 111 | $ 11,882,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 76 | $ 8,951,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,442,297,000 | 59 | $ 3,080,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 54 | $ 4,516,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 46 | $ 4,861,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 44 | $ 4,589,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 34 | $ 4,364,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 34 | $ 4,093,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 31 | $ 2,683,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,611,769,000 | 27 | $ 2,145,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 26 | $ 2,837,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 25 | $ 2,371,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 22 | $ 2,539,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 25,475,784,000 | 22 | $ 1,708,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 18 | $ 2,962,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 17 | $ 2,528,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 15 | $ 1,797,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,594,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,101,345,000 | 14 | $ 1,168,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 691,779,000 | 14 | $ 1,978,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,568,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 10 | $ 708,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 10 | $ 978,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 9 | $ 1,215,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,908,181,000 | 8 | $ 648,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,015,248,000 | 8 | $ 1,142,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 137,781,000 | 8 | $ 927,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 7 | $ 985,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 7 | $ 899,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 708,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 651,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 750,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 5 | $ 786,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,232,685,000 | 5 | $ 312,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 5 | $ 867,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 5 | $ 363,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 5 | $ 1,301,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 4 | $ 413,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,385,518,000 | 4 | $ 387,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 3,244,951,000 | 4 | $ 378,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 4 | $ 398,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 177,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 3 | $ 227,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 314,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 277,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 361,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 512,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 3 | $ 412,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 3 | $ 79,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 3 | $ 333,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,704,090,000 | 3 | $ 287,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 3 | $ 75,527,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 362,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 1,282,796,000 | 3 | $ 120,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 435,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 236,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 2 | $ 136,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,276,136,000 | 2 | $ 320,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 2 | $ 162,000 |
| The Bank of Marion PO BOX 1067 MARION, VA 24354 |
* | $ 346,259,000 | 2 | $ 39,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Bank of the Carolinas P O BOX 347 ADVANCE, NC 27006 |
* | $ 437,225,000 | 2 | $ 41,000 |
| Blue Eagle Credit Union 2121 ELECTRIC RD ROANOKE, VA 24018 |
* | $ 109,168,000 | 2 | $ 258,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 243,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 116,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 296,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 186,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ 16,639,000 | 2 | $ 291,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 327,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 542,375,000 | 2 | $ 272,000 |
| Severn Savings Bank, FSB dba Severn Bank 200 WESTGATE CIRCLE SUITE 200 ANNAPOLIS, MD 21401 |
* | $ 845,847,000 | 2 | $ 137,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 1,922,082,000 | 2 | $ 306,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 311,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 2 | $ 517,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 154,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 191,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 1 | $ 171,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 1 | $ 56,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 230,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 154,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 138,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 148,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 126,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 167,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ 2,157,000 | 1 | $ 186,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 1 | $ 101,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 117,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 48,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 80,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 862,757,000 | 1 | $ 55,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 78,379,000 | 1 | $ 80,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 179,614,000 | 1 | $ 31,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 146,000 |
| Bank of North Carolina 3980 PREMIER DR. STE 150 HIGH POINT, NC 27265 |
* | $ 3,072,064,000 | 1 | $ 244,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 161,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 67,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 1 | $ 45,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 135,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 361,165,000 | 1 | $ 324,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 6,000 |
| Heartland Bank 430 N HAMILTON ROAD WHITEHALL, OH 43213 |
* | $ 577,721,000 | 1 | $ 170,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 186,789,896,000 | 1 | $ 77,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 45,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 172,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 841,555,000 | 1 | $ 57,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 110,000 |
| The Bank of Fincastle POST OFFICE BOX 107, 17 SOUTH ROANOKE STREET FINCASTLE, VA 24090 |
* | $ 195,726,000 | 1 | $ 100,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 292,115,000 | 1 | $ 70,000 |
| Cabarrus Bank & Trust Company PO BOX 1970 CONCORD, NC 28026 |
* | $ 132,256,000 | 1 | $ 168,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 57,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 200,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 241,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 1 | $ 348,000 |
The tables below break down 2013 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 2013
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 | 714 | $157,392,000 | $220,000 | $43,848,000 | $55,000 | $729,000 |
| Home Purchase | 387 | $40,186,000 | $103,000 | $300,000 | $54,000 | $341,000 |
| Home Improvement | 109 | $5,057,000 | $46,000 | $417,000 | $54,000 | $445,000 |
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 | 1,036 | $106,973,000 | $103,000 | $437,000 | $56,000 | $729,000 |
| Not applicable | 81 | $84,000,000 | $1,037,000 | $43,848,000 | $23,000 | $240,000 |
| Not Provided | 66 | $8,942,000 | $135,000 | $594,000 | $67,000 | $558,000 |
| Hispanic | 14 | $1,223,000 | $87,000 | $137,000 | $75,000 | $253,000 |
| Black or African American | 6 | $600,000 | $100,000 | $167,000 | $52,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $548,000 | $182,000 | $204,000 | $41,000 | $42,000 |
| Asian | 3 | $315,000 | $105,000 | $160,000 | $72,000 | $151,000 |
| American Indian or Alaskan Native | 1 | $34,000 | $34,000 | $34,000 | $27,000 | $27,000 |
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) | 887 | $87,165,000 | $98,000 | $417,000 | $62,000 | $729,000 |
| FHA-insured (Federal Housing Administration) | 168 | $94,703,000 | $563,000 | $43,848,000 | $32,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 86 | $9,170,000 | $106,000 | $170,000 | $35,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 69 | $11,597,000 | $168,000 | $594,000 | $45,000 | $124,000 |
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 | 600 | $61,495,000 | $102,000 | $437,000 | $63,000 | $729,000 |
| Application Denied By Financial Institution | 267 | $27,068,000 | $101,000 | $594,000 | $46,000 | $445,000 |
| Loan Purchased By The Institution | 160 | $94,275,000 | $589,000 | $43,848,000 | $41,000 | $267,000 |
| Application Withdrawn By Applicant | 96 | $11,094,000 | $115,000 | $398,000 | $54,000 | $334,000 |
| Application Approved But Not Accepted | 64 | $6,361,000 | $99,000 | $392,000 | $55,000 | $168,000 |
| File Closed For Incompleteness | 23 | $2,342,000 | $101,000 | $230,000 | $51,000 | $140,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 62 | $4,801,000 | $77,000 | $168,000 | $38,000 | $116,000 |
| Collateral | 46 | $5,825,000 | $126,000 | $417,000 | $67,000 | $445,000 |
| Debt-To-Income Ratio | 37 | $4,463,000 | $120,000 | $348,000 | $46,000 | $163,000 |
| Credit Application Incomplete | 13 | $1,364,000 | $104,000 | $220,000 | $51,000 | $150,000 |
| Other | 13 | $792,000 | $60,000 | $125,000 | $58,000 | $178,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $434,000 | $108,000 | $175,000 | $23,000 | $76,000 |
| Unverifiable Information | 3 | $201,000 | $67,000 | $98,000 | $37,000 | $74,000 |
| Employment History | 3 | $265,000 | $88,000 | $116,000 | $12,000 | $38,000 |
| 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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