Carter County, OK Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,900 mortgage applications in Carter County, OK totaling $225.4 million, up 7% from 2014. The average application was for $118,000, and applicants reported an average income of $72,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was First Bank and Trust Co, with 244 applications, followed by Bancfirst and American National 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 1,900
Total Mortgage Loan Application Amount $225,375,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $1,750,000
Average Applicant Income $72,000
Highest Applicant Income $1,248,000

Mortgage Company List for Lending in Carter County, OK for 2015

* 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
First Bank and Trust Co
PO BOX 580
DUNCAN, OK 73533
* $ 615,675,000 244 $ 17,269,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 6,557,187,000 190 $ 11,361,000
American National Bank
BOX 5009
ARDMORE, OK 73403
* $ 349,900,000 122 $ 13,982,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 99 $ 11,783,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,545,267,000 89 $ 11,946,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 78 $ 4,724,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ 5,500,000 50 $ 8,538,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 50 $ 7,278,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 46 $ 6,876,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,154,372,000 42 $ 5,336,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 39 $ 5,635,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 36 $ 4,932,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 34 $ 7,376,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 364,541,000 32 $ 6,522,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 26 $ 3,437,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 24 $ 2,953,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 23 $ 3,028,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 20 $ 3,048,000
Mtc Federal Credit Union
PO BOX 1944
GREENVILLE, SC 29607
* $ 147,873,000 20 $ 2,063,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 20 $ 2,946,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 18 $ 1,711,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 18 $ 2,152,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 987,143,000 18 $ 1,560,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 18 $ 2,913,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 16 $ 1,779,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 16 $ 2,607,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 15 $ 1,859,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 3,264,522,000 15 $ 588,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 14 $ 2,074,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 14 $ 2,358,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 13 $ 684,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 12 $ 1,921,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 12 $ 1,456,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ 20,474,937,000 12 $ 1,728,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 11 $ 1,875,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 11 $ 1,865,000
Vision Bank
PO BOX 669
ADA, OK 74820
* $ 653,775,000 11 $ 1,033,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 11 $ 263,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 11 $ 1,937,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 11 $ 1,530,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 10 $ 648,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 10 $ 1,295,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 108,323,000 10 $ 1,587,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 9 $ 1,770,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 9 $ 1,059,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 71,682,343,000 9 $ 901,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 671,000
Arvest Bank

TULSA, OK 74103
* $ 14,944,176,000 7 $ 1,111,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 7 $ 868,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 7 $ 1,022,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ 96,267,000 7 $ 804,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,892,151,000 7 $ 465,000
Republic Bank & Trust
401 W. MAIN
NORMAN, OK 73069
* $ 466,329,000 6 $ 1,402,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 5 $ 812,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 5 $ 470,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 5 $ 748,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 5 $ 837,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 5 $ 608,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 5 $ 784,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 5 $ 769,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 4 $ 578,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 4 $ 626,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 4 $ 735,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 320,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 409,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 3 $ 444,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 3 $ 101,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 3 $ 607,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 3 $ 416,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 3 $ 254,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 3 $ 539,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 368,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 3 $ 368,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 3 $ 713,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 646,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 3 $ 279,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 323,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 2 $ 367,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,180,805,000 2 $ 374,000
Bank Snb
608 S MAIN
STILLWATER, OK 74074
* $ 1,930,320,000 2 $ 579,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,622,355,000 2 $ 169,000
True Sky Federal Credit Union
P.O. BOX 26406
OKLAHOMA CITY, OK 73126
* $ 553,874,000 2 $ 509,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 276,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 692,541,000 2 $ 405,000
Liberty National Bank
629 SW C AVE
LAWTON, OK 73501
* $ 454,015,000 2 $ 643,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 2 $ 223,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 2 $ 708,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 2 $ 441,000
Oklahoma Educators Credit Union
4001 NW EXPRESSWAY
OKLAHOMA CITY, OK 73116
* $ 113,875,000 2 $ 232,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 2 $ 343,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ 3,295,000 2 $ 266,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 193,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 230,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 155,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ 47,278,000 1 $ 144,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 66,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 1 $ 15,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 1 $ 20,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,508,574,000 1 $ 170,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 500,435,000 1 $ 135,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 359,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 80,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 32,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 190,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 158,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 128,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 194,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 1 $ 79,000
Ynb
P.O BOX 851700
YUKON, OK 73099
* $ 188,969,000 1 $ 125,000
Herring Bank
2201 CIVIC CIRCLE
AMARILLO, TX 79109
* $ 430,598,000 1 $ 54,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 15,892,596,000 1 $ 220,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 143,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ 17,900,000 1 $ 134,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 59,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 228,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 836,647,000 1 $ 86,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 627,880,000 1 $ 1,750,000
American Finance House Lariba
15141 E WHITTIER BLVD, SUITE 400
WHITTIER, CA 90603
* $ 10,000,000 1 $ 138,000
US Employees Oc Federal Credit Union
4301 S INTERSTATE 44 SERVICE RD.
OKLAHOMA CITY, OK 73119
* $ 144,886,000 1 $ 126,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 1 $ 124,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 1 $ 80,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 155,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 164,000
First American Mortgage, Inc.
1501 S. RANCHWOOD BLVD.
YUKON, OK 73099
* $ 1,749,000 1 $ 271,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 351,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 1 $ 110,000
First State Bank
801 E CALIFORNIA STREET
GAINESVILLE, TX 76240
* $ 802,438,000 1 $ 277,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ 2,211,610,000 1 $ 20,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 245,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 180,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 1 $ 92,000
Greater Texas Federal Credit Union
6411 N LAMAR BLVD
AUSTIN, TX 78752
* $ 539,481,000 1 $ 352,000
Synergy Federal Credit Union
1 VALERO WAY
SAN ANTONIO, TX 78249
* $ 204,731,000 1 $ 352,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,105,747,000 1 $ 277,000
Rose Hill Bank
107 N ROSE HILL RD
ROSE HILL, KS 67133
* $ 257,717,000 1 $ 32,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 146,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 270,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 76,000
BNC National Bank

BISMARCK, ND 58501
* $ 933,532,000 1 $ 296,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 463,562,000 1 $ 236,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 180,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ 545,884,000 1 $ 203,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 193,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 691,345,000 1 $ 86,000

The tables below break down 2015 mortgage applications in Carter County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Carter County, OK in 2015

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 966 $128,869,000 $133,000 $890,000 $73,000 $1,018,000
Refinancing 663 $86,663,000 $130,000 $1,750,000 $70,000 $1,248,000
Home Improvement 271 $9,843,000 $36,000 $332,000 $71,000 $414,000

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 1,361 $156,043,000 $114,000 $890,000 $80,000 $1,248,000
Not applicable 168 $23,909,000 $142,000 $1,750,000 $3,000 $133,000
American Indian or Alaskan Native 133 $16,520,000 $124,000 $650,000 $66,000 $173,000
Not Provided 98 $13,529,000 $138,000 $688,000 $80,000 $282,000
Black or African American 60 $6,111,000 $101,000 $375,000 $63,000 $468,000
Hispanic 59 $5,621,000 $95,000 $337,000 $69,000 $900,000
Asian 16 $2,917,000 $182,000 $476,000 $108,000 $375,000
Native Hawaiian or Other Pacific Islander 5 $725,000 $145,000 $280,000 $63,000 $146,000

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) 1,296 $142,427,000 $109,000 $1,750,000 $80,000 $1,248,000
FHA-insured (Federal Housing Administration) 371 $47,753,000 $128,000 $283,000 $54,000 $900,000
VA-guaranteed (Veterans Administration) 182 $29,576,000 $162,000 $384,000 $61,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $5,619,000 $110,000 $250,000 $35,000 $93,000

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 1,060 $123,088,000 $116,000 $1,750,000 $81,000 $1,248,000
Application Denied By Financial Institution 314 $32,262,000 $102,000 $581,000 $65,000 $572,000
Loan Purchased By The Institution 241 $34,639,000 $143,000 $417,000 $40,000 $411,000
Application Withdrawn By Applicant 169 $22,391,000 $132,000 $417,000 $80,000 $900,000
File Closed For Incompleteness 59 $5,825,000 $98,000 $295,000 $57,000 $221,000
Application Approved But Not Accepted 55 $6,844,000 $124,000 $417,000 $73,000 $280,000
Preapproval Approved but not Accepted 2 $326,000 $163,000 $223,000 $62,000 $77,000
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
Credit History 41 $2,787,000 $67,000 $277,000 $62,000 $266,000
Debt-To-Income Ratio 34 $3,722,000 $109,000 $350,000 $50,000 $156,000
Collateral 30 $4,009,000 $133,000 $581,000 $96,000 $420,000
Credit Application Incomplete 13 $1,330,000 $102,000 $178,000 $68,000 $193,000
Other 12 $1,438,000 $119,000 $315,000 $115,000 $280,000
Unverifiable Information 7 $945,000 $135,000 $322,000 $82,000 $116,000
Insufficient Cash (Downpayment, Closing Cost) 7 $774,000 $110,000 $248,000 $78,000 $120,000
Employment History 2 $301,000 $150,000 $190,000 $48,000 $70,000
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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