Cass County, NE Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,164 mortgage applications in Cass County, NE totaling $227.8 million, down 26% from 2022. The average application was for $195,000, and applicants reported an average income of $121,000. 60% of applications resulted in an originated loan and 12% were denied. The most active lender was US Bank, N.A., with 78 applications, followed by First National Bank of Omaha and Pinnacle 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 1,164
Total Mortgage Loan Application Amount $227,780,000
Average Mortgage Loan Application Amount $195,000
Highest Mortgage Loan Application Amount $725,000
Average Applicant Income $121,000
Highest Applicant Income $1,551,000

Mortgage Company List for Lending in Cass County, NE for 2023

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 78 $ 11,530,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 28,274,145,000 59 $ 11,295,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 7,724,198,000 54 $ 10,020,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 54 $ 10,630,000
Cobalt Credit Union
7148 TOWNE CENTER PARKWAY
PAPILLION, NE 68046
* $ 1,263,224,000 41 $ 5,275,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 35 $ 8,715,000
Centris Federal Credit Union
11825 Q STREET
OMAHA, NE 68144
* $ 1,204,977,000 34 $ 3,560,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 6,896,511,000 31 $ 5,525,000
Citizens State Bank
921 AVENUE E
WISNER, NE 68791
* $ 495,220,000 27 $ 4,865,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 7,608,489,000 26 $ 3,760,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 26 $ 1,020,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 22 $ 7,530,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 20 $ 3,910,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 20 $ 3,140,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 4,185,000
First State Bank Nebraska
2701 GRAINGER PARKWAY
LINCOLN, NE 68516
* $ 972,103,000 17 $ 2,925,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 17 $ 4,985,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 1,121,085,000 16 $ 4,210,000
Charter West Bank
201 SOUTH MAIN STREET PO BOX 288
WEST POINT, NE 68788
* $ 415,343,000 16 $ 3,870,000
Core Bank
12100 W CENTER RD
OMAHA, NE 68118
* $ 974,972,000 15 $ 3,295,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 14 $ 2,390,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 14 $ 3,220,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ 531,826,000 12 $ 2,410,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 12 $ 600,000
Cornhusker Bank
8310 O STREET
LINCOLN, NE 68510
* $ 900,683,000 12 $ 2,400,000
Access Bank
8712 WEST DODGE ROAD
OMAHA, NE 68114
* $ 945,731,000 12 $ 2,410,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 12 $ 3,360,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 11 $ 2,465,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 11 $ 3,645,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ 4,920,698,000 11 $ 1,645,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ -1,000 11 $ 3,215,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 10 $ 3,120,000
Lincoln Federal Svgs Bk of Ne
1101 N STREET
LINCOLN, NE 68520
* $ 371,482,000 10 $ 2,160,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 10 $ 1,120,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 9 $ 1,655,000
Cornerstone Bank
529 SOUTH LINCOLN AVENUE
YORK, NE 68467
* $ 2,373,745,000 9 $ 1,495,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 9 $ 2,965,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 2,395,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 9 $ 725,000
Liberty First Credit Union
501 N 46TH STREET
LINCOLN, NE 68503
* $ 422,493,000 9 $ 1,205,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 8 $ 1,550,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 8 $ 1,860,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 1,600,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 8 $ 240,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 8 $ 1,120,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,885,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,365,000
First Nebraska Credit Union
10655 BEDFORD AVE
OMAHA, NE 68134
* $ 183,513,000 7 $ 505,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,565,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 6 $ 1,420,000
Washington County Bank
1523 WASHINGTON ST.
BLAIR, NE 68008
* $ 582,850,000 5 $ 1,685,000
Dayspring Bank
914 LAKE AVENUE
GOTHENBURG, NE 69138
* $ 982,277,000 5 $ 1,255,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 1,215,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 635,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 2,005,000
Lincone Federal Credit Union
2500 N ST
LINCOLN, NE 68503
* $ 178,031,000 5 $ 245,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,436,322,000 5 $ 1,455,000
Nebraska Bank of Commerce
6000 VILLAGE DRIVE, STE 100
LINCOLN, NE 68516
* $ 156,946,000 5 $ 955,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 2,471,026,000 5 $ 255,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 4 $ 1,200,000
First Nebraska Bank
330 N. SPRUCE STREET, PO BOX 315
VALLEY, NE 68064
* $ 368,894,000 4 $ 660,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 4 $ 1,730,000
Firstbank of Nebraska
201 E 5TH ST
WAHOO, NE 68066
* $ 384,159,000 4 $ 750,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 4 $ 1,090,000
Riversone Bank
2002 BROADWAY
SCOTTSBLUFF, NE 69361
* $ 502,721,000 4 $ 660,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 4 $ 670,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 4 $ 1,370,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 32,216,733,000 4 $ 440,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 1,345,000
Security First Bank
5505 RED ROCK LANE
LINCOLN, NE 68516
* $ 1,622,947,000 3 $ 865,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 935,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 645,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 11,283,366,000 3 $ 185,000
I3 Bank
12212 N 156TH ST
BENNINGTON, NE 68007
* $ 192,874,000 3 $ 855,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 345,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 365,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 3 $ 795,000
Mutual First Federal Credit Union
14510 F STREET STE 101
OMAHA, NE 68137
* $ 127,875,000 2 $ 170,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 2 $ 760,000
Availa Bank
126 W 6TH ST
CARROLL, IA 51401
* $ 1,545,185,000 2 $ 510,000
City Bank & Trust Co.
1135 MAIN AVE.
CRETE, NE 68333
* $ 300,784,000 2 $ 660,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 290,000
Five Points Bank
PO BOX 1507
GRAND ISLAND, NE 68802
* $ 2,018,808,000 2 $ 720,000
Commercial State Bank
579 EAST BROADWAY P.O. BOX 179
WAUSA, NE 68786
* $ 195,965,000 2 $ 250,000
Malvern Bank
404 MAIN ST
MALVERN, IA 51551
* $ 184,684,000 2 $ 470,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ 1,196,346,000 2 $ 930,000
Rvr Bank
1005 E 23RD ST #1
FREMONT, NE 68025
* $ 464,756,000 2 $ 190,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 510,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 2 $ 90,000
Home Federal Savings and Loan
221 S LOCUST ST
GRAND ISLAND, NE 68801
* $ 426,464,000 2 $ 290,000
Equitable Bank
PO BOX 160
GRAND ISLAND, NE 68802
* $ 494,217,000 2 $ 420,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 670,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 180,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 479,101,000 2 $ 260,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 800,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 2 $ 220,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 2 $ 300,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 430,704,000 1 $ 45,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 977,048,000 1 $ 75,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 91,580,361,000 1 $ 255,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ -1,000 1 $ 365,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 185,000
Farmers and Merchants Bank of Ashland
1501 SILVER STREET
ASHLAND, NE 68003
* $ 114,696,000 1 $ 115,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 445,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 1,208,524,000 1 $ 135,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 225,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 1 $ 55,000
Farmers and Merchants Bank
617 1ST STREET, BOX E
MILFORD, NE 68405
* $ 839,698,000 1 $ 25,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 1 $ 195,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 355,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 215,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 515,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 185,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 165,000
Exchange Bank
14 LABARRE STREET
KEARNEY, NE 68847
* $ 1,310,158,000 1 $ 435,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 2,576,574,000 1 $ 135,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 205,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,622,526,000 1 $ 25,000
Premier Bank
16802 BURKE ST
OMAHA, NE 68118
* $ 339,176,000 1 $ 335,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 295,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 315,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 135,000
University of Nebraska Federal Credit Union
1720 P STREET
LINCOLN, NE 68508
* $ 140,960,000 1 $ 55,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 348,731,000,000 1 $ 315,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 555,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 345,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 485,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 1 $ 55,000
Midwest Bank
114 W MAIN ST
PIERCE, NE 68767
* $ 989,298,000 1 $ 265,000
Kellogg Midwest Federal Credit Union
9618 BRENTWOOD DR
LA VISTA, NE 68128
* $ 58,857,000 1 $ 45,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 225,000
Security National Bank of Omaha
PO BOX 31400
OMAHA, NE 68124
* $ 1,398,477,000 1 $ 205,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 1 $ 165,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 1,255,880,000 1 $ 295,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 115,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 105,000
Jones Bank
203 S 6TH ST
SEWARD, NE 68434
* $ 401,999,000 1 $ 535,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 1 $ 225,000
Omaha Federal Credit Union
3001 S 82ND AVE
OMAHA, NE 68124
* $ 84,254,000 1 $ 25,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 245,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 145,000
Western National Bank
PO BOX 367 523 THAYER AVE
CHESTER, NE 68327
* $ 248,914,000 1 $ 105,000
Foundation One Bank
4141 N 156TH ST SUITE 101
WATERLOO, NE 68069
* $ 163,549,000 1 $ 505,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 425,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 295,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 225,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 275,000
Four Points Federal Credit Union
510 N 127TH ST
OMAHA, NE 68137
* $ 166,783,000 1 $ 55,000
Lps Employees Federal Credit Union
5625 O ST., STE 106
LINCOLN, NE 68510
* $ 67,129,000 1 $ 185,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ -1,000 1 $ 275,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 215,000
Metro Credit Union
14517 F STREET SUITE 211
OMAHA, NE 68137
* $ 521,259,000 1 $ 365,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 225,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 195,000

The tables below break down 2023 mortgage applications in Cass County, NE by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Cass County, NE 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 643 $155,215,000 $241,000 $725,000 $118,000 $1,354,000
Cash-out Refinancing 192 $37,360,000 $194,000 $625,000 $116,000 $852,000
Home Improvement 133 $10,525,000 $79,000 $425,000 $133,000 $1,551,000
Other Purpose 108 $7,550,000 $69,000 $505,000 $122,000 $705,000
Refinancing 85 $16,775,000 $197,000 $605,000 $136,000 $662,000
Not Applicable 3 $355,000 $118,000 $145,000 $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 890 $168,930,000 $189,000 $725,000 $121,000 $1,551,000
Not Provided 121 $25,325,000 $209,000 $605,000 $132,000 $790,000
Not applicable 98 $24,040,000 $245,000 $595,000 $79,000 $100,000
Hispanic 36 $6,590,000 $183,000 $645,000 $114,000 $288,000
Black or African American 8 $1,150,000 $143,000 $245,000 $150,000 $489,000
American Indian or Alaskan Native 4 $260,000 $65,000 $195,000 $56,000 $100,000
Asian 3 $1,135,000 $378,000 $405,000 $121,000 $166,000
Native Hawaiian or Other Pacific Islander 3 $335,000 $111,000 $165,000 $53,000 $53,000

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) 867 $152,555,000 $175,000 $725,000 $130,000 $1,551,000
FHA-insured (Federal Housing Administration) 151 $32,745,000 $216,000 $485,000 $85,000 $312,000
VA-guaranteed (Veterans Administration) 126 $40,080,000 $318,000 $645,000 $110,000 $268,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 20 $2,400,000 $120,000 $285,000 $72,000 $117,000

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 700 $139,820,000 $199,000 $725,000 $133,000 $1,551,000
Application Denied By Financial Institution 137 $17,975,000 $131,000 $625,000 $88,000 $257,000
Loan Purchased By The Institution 131 $33,465,000 $255,000 $625,000 $92,000 $270,000
Application Withdrawn By Applicant 122 $24,250,000 $198,000 $505,000 $124,000 $790,000
Application Approved But Not Accepted 41 $6,355,000 $155,000 $445,000 $112,000 $705,000
File Closed For Incompleteness 33 $5,915,000 $179,000 $465,000 $89,000 $195,000
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
Not applicable 930 $191,470,000 $205,000 $725,000 $125,000 $1,551,000
Debt-To-Income Ratio 142 $26,160,000 $184,000 $725,000 $117,000 $682,000
Credit History 47 $5,025,000 $106,000 $625,000 $91,000 $207,000
Collateral 23 $2,525,000 $109,000 $475,000 $100,000 $211,000
Credit Application Incomplete 12 $1,480,000 $123,000 $505,000 $134,000 $257,000
Other 6 $640,000 $106,000 $205,000 $91,000 $172,000
Employment History 2 $160,000 $80,000 $155,000 $73,000 $73,000
Insufficient Cash (Downpayment, Closing Cost) 1 $265,000 $265,000 $265,000 $72,000 $72,000
Unverifiable Information 1 $55,000 $55,000 $55,000 $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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