Cass County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,089 mortgage applications in Cass County, TX totaling $175.2 million, up 18% from 2024. The average application was for $160,000, and applicants reported an average income of $90,000. 41% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 126 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial Services, Inc..
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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 | 1,089 |
| Total Mortgage Loan Application Amount | $175,195,000 |
| Average Mortgage Loan Application Amount | $160,000 |
| Highest Mortgage Loan Application Amount | $2,355,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,210,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 126 | $ 15,610,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 87 | $ 9,915,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 68 | $ 9,070,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ n/a | 34 | $ 5,280,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 32 | $ 2,350,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 31 | $ 5,415,000 |
| The First National Bank of Hughes Springs PO BOX 188 HUGHES SPRINGS, TX 75656 |
* | $ n/a | 27 | $ 3,905,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 25 | $ 5,415,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 24 | $ 2,580,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 20 | $ 3,830,000 |
| The City National Bank of Sulphur Springs 1108 S BROADWAY ST SULPHUR SPRINGS, TX 75482 |
* | $ n/a | 20 | $ 2,320,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 19 | $ 5,605,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 19 | $ 3,795,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 18 | $ 3,040,000 |
| State Bank of De Kalb 102 S RUNNELS DE KALB, TX 75559 |
* | $ n/a | 18 | $ 3,420,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 17 | $ 2,135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 17 | $ 1,635,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 16 | $ 1,530,000 |
| Texar Federal Credit Union 2301 RICHMOND RD TEXARKANA, TX 75503 |
* | $ n/a | 14 | $ 1,790,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 14 | $ 2,980,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 14 | $ 3,690,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 13 | $ 2,965,000 |
| East Texas Professional C.U. 409 E. LOOP 281 LONGVIEW, TX 75605 |
* | $ n/a | 13 | $ 2,105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 12 | $ 2,260,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 11 | $ 1,825,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 11 | $ 2,505,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 11 | $ 1,745,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 10 | $ 1,450,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 1,835,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 9 | $ 1,585,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 8 | $ 1,680,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 765,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 7 | $ 465,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 7 | $ 2,315,000 |
| Cypress Bank State Savings Bank 120 S GREER BLVD PITTSBURG, TX 75686 |
* | $ n/a | 7 | $ 1,315,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 7 | $ 965,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 7 | $ 1,135,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 7 | $ 555,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ n/a | 6 | $ 1,560,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ n/a | 6 | $ 1,100,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 6 | $ 1,020,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 6 | $ 1,580,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 900,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 6 | $ 600,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 6 | $ 1,110,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 6 | $ 1,010,000 |
| Bodcaw Bank 307 THOMAS ST STAMPS, AR 71860 |
* | $ n/a | 5 | $ 1,185,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 5 | $ 1,245,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,505,000 |
| Texas Heritage National Bank 107 WEBB STREET DAINGERFIELD, TX 75638 |
* | $ n/a | 5 | $ 805,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 5 | $ 655,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 5 | $ 1,385,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 4 | $ 1,400,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 4 | $ 810,000 |
| Barksdale Federal Credit Union 2701 VILLAGE LN BOSSIER CITY, LA 71112 |
* | $ n/a | 4 | $ 440,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 4 | $ 1,170,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 495,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 245,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 375,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 295,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 525,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 1,635,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 3 | $ 605,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 295,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ n/a | 2 | $ 220,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 440,000 |
| Community Bank PO BOX 2232 LONGVIEW, TX 75605 |
* | $ n/a | 2 | $ 360,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 130,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 250,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 190,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 270,000 |
| Citizens Bank and Trust Co PO BOX 992 VIVIAN, LA 71082 |
* | $ n/a | 2 | $ 150,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 280,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 2 | $ 170,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 2 | $ 1,570,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 200,000 |
| Beacon Federal Credit Union 2901 SENS ROAD LA PORTE, TX 77581 |
* | $ n/a | 2 | $ 390,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 410,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 130,000 |
| Diamond Bank PO BOX 10 GLENWOOD, AR 71943 |
* | $ n/a | 2 | $ 120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 380,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 410,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 110,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 150,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 2 | $ 230,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 490,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 670,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 2 | $ 580,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 230,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ n/a | 1 | $ 315,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 195,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 125,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 155,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ n/a | 1 | $ 265,000 |
| Texas Mortgage Lending, LLC 12515 RESEARCH BLVD BUILDING 5 AUSTIN, TX 78759 |
* | $ n/a | 1 | $ 125,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ n/a | 1 | $ 325,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 125,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 135,000 |
| Amplify Credit Union 3600 W PARMER LANE AUSTIN, TX 78727 |
* | $ n/a | 1 | $ 55,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 75,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 335,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 215,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 1 | $ 265,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 65,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ n/a | 1 | $ 225,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 175,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ n/a | 1 | $ 125,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 215,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ n/a | 1 | $ 245,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 95,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 175,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 215,000 |
| Easy Street Capital LLC 1201 E CESAR CHAVEZ ST SUITE 1 AUSTIN, TX 78702 |
* | $ n/a | 1 | $ 105,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 175,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 115,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ n/a | 1 | $ 485,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 1 | $ 165,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 175,000 |
| Lone Star Credit Union 7508 FERGUSON ROAD DALLAS, TX 75228 |
* | $ n/a | 1 | $ 65,000 |
| Sterling Bank P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63901 |
* | $ n/a | 1 | $ 2,355,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 265,000 |
| Efinity Financial LLC 1901 CENTRAL DRIVE SUITE 612 BEDFORD, TX 76021 |
* | $ n/a | 1 | $ 165,000 |
| South River Mortgage, LLC 1750 FOREST DR SUITE 195 ANNAPOLIS, MD 21401 |
* | $ n/a | 1 | $ 135,000 |
| Eecu 1617 W. 7TH STREET FORT WORTH, TX 76102 |
* | $ n/a | 1 | $ 45,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ n/a | 1 | $ 75,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ n/a | 1 | $ 425,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 1 | $ 225,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 445,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 35,000 |
| Rogue Credit Union 1370 CENTER DRIVE MEDFORD, OR 97501 |
* | $ n/a | 1 | $ 155,000 |
| Texell Credit Union PO BOX 983 TEMPLE, TX 76503 |
* | $ n/a | 1 | $ 85,000 |
| Gardner Financial Services 3503 PAESANOS PKWY SAN ANTONIO, TX 78259 |
* | $ n/a | 1 | $ 315,000 |
| Texas Tech Federal Credit Union 4005 98TH STREET LUBBOCK, TX 79409 |
* | $ n/a | 1 | $ 145,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ n/a | 1 | $ 95,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 105,000 |
| First Guaranty Bank 400 EAST THOMAS STREET HAMMOND, LA 70401 |
* | $ n/a | 1 | $ 195,000 |
| Waggoner National Bank 1818 TEXAS ST VERNON, TX 76384 |
* | $ n/a | 1 | $ 175,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 75,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ n/a | 1 | $ 65,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 115,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 55,000 |
| First Florida Credit Union 500 WEST 1ST STREET JACKSONVILLE, FL 32202 |
* | $ n/a | 1 | $ 95,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2025 mortgage applications in Cass County, TX 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, TX in 2025
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 | 724 | $121,530,000 | $167,000 | $2,355,000 | $86,000 | $379,000 |
| Refinancing | 121 | $24,985,000 | $206,000 | $685,000 | $95,000 | $438,000 |
| Cash-out Refinancing | 119 | $17,155,000 | $144,000 | $855,000 | $87,000 | $550,000 |
| Other Purpose | 70 | $6,860,000 | $98,000 | $375,000 | $124,000 | $1,210,000 |
| Home Improvement | 54 | $4,640,000 | $85,000 | $475,000 | $91,000 | $314,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 738 | $119,460,000 | $161,000 | $685,000 | $93,000 | $1,210,000 |
| Black or African American | 115 | $13,725,000 | $119,000 | $445,000 | $71,000 | $1,158,000 |
| Not applicable | 94 | $19,780,000 | $210,000 | $2,355,000 | $125,000 | $172,000 |
| Not Provided | 84 | $13,940,000 | $165,000 | $1,075,000 | $89,000 | $379,000 |
| Hispanic | 40 | $6,220,000 | $155,000 | $415,000 | $94,000 | $380,000 |
| American Indian or Alaskan Native | 14 | $1,630,000 | $116,000 | $255,000 | $77,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $240,000 | $120,000 | $125,000 | $93,000 | $104,000 |
| Asian | 1 | $125,000 | $125,000 | $125,000 | $60,000 | $60,000 |
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) | 837 | $120,465,000 | $143,000 | $2,355,000 | $91,000 | $1,210,000 |
| FHA-insured (Federal Housing Administration) | 129 | $25,365,000 | $196,000 | $505,000 | $82,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 92 | $24,010,000 | $260,000 | $885,000 | $95,000 | $379,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $5,355,000 | $172,000 | $255,000 | $73,000 | $99,000 |
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 | 444 | $78,000,000 | $175,000 | $2,355,000 | $100,000 | $550,000 |
| Application Denied By Financial Institution | 293 | $38,935,000 | $132,000 | $475,000 | $79,000 | $1,210,000 |
| File Closed For Incompleteness | 111 | $14,925,000 | $134,000 | $415,000 | $83,000 | $261,000 |
| Application Withdrawn By Applicant | 95 | $19,115,000 | $201,000 | $1,075,000 | $91,000 | $337,000 |
| Loan Purchased By The Institution | 78 | $14,020,000 | $179,000 | $465,000 | $109,000 | $172,000 |
| Application Approved But Not Accepted | 67 | $10,085,000 | $150,000 | $455,000 | $87,000 | $380,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $32,000 | $32,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 735 | $123,395,000 | $167,000 | $1,075,000 | $94,000 | $550,000 |
| Debt-To-Income Ratio | 137 | $25,295,000 | $184,000 | $2,355,000 | $76,000 | $380,000 |
| Credit History | 133 | $14,875,000 | $111,000 | $335,000 | $87,000 | $1,210,000 |
| Unverifiable Information | 20 | $2,100,000 | $105,000 | $235,000 | $69,000 | $169,000 |
| Collateral | 20 | $2,520,000 | $126,000 | $325,000 | $88,000 | $163,000 |
| Credit Application Incomplete | 20 | $2,970,000 | $148,000 | $445,000 | $80,000 | $180,000 |
| Other | 16 | $2,450,000 | $153,000 | $365,000 | $102,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,590,000 | $198,000 | $365,000 | $102,000 | $136,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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