Cerro Gordo County, IA Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 663 mortgage applications in Cerro Gordo County, IA totaling $114.1 million, up 2% from 2023. The average application was for $172,000, and applicants reported an average income of $123,000. 60% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 50 applications, followed by US Bank, N.A. and Plains Commerce 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 | 663 |
| Total Mortgage Loan Application Amount | $114,095,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $2,505,000 |
| Average Applicant Income | $123,000 |
| Highest Applicant Income | $7,200,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 50 | $ 6,760,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 49 | $ 4,385,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 37 | $ 4,985,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 26 | $ 3,500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 23 | $ 5,195,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ n/a | 23 | $ 4,515,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 22 | $ 3,190,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 19 | $ 4,245,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 19 | $ 3,405,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ n/a | 15 | $ 2,515,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 14 | $ 1,780,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 13 | $ 1,225,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 12 | $ 1,490,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 2,625,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 11 | $ 1,645,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 10 | $ 1,120,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ n/a | 10 | $ 1,500,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 9 | $ 475,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 9 | $ 3,385,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 9 | $ 1,785,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 250,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 7 | $ 3,065,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 435,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 900,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,210,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 6 | $ 1,240,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,850,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 470,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 830,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 5 | $ 905,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 1,185,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 470,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 590,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 4 | $ 370,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 4 | $ 120,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ n/a | 4 | $ 2,050,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 510,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 4 | $ 660,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 3 | $ 615,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 3 | $ 515,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ n/a | 3 | $ 275,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ n/a | 3 | $ 115,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ n/a | 3 | $ 325,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 425,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 3 | $ 365,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 655,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 795,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ n/a | 3 | $ 565,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 435,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 3 | $ 245,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 480,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 220,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 360,000 |
| First Bank 316 EAST BREMER AVENUE, P.O. BOX 837 WAVERLY, IA 50677 |
* | $ n/a | 2 | $ 430,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 150,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 320,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 2 | $ 90,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ n/a | 2 | $ 350,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 770,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ n/a | 2 | $ 330,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ n/a | 2 | $ 1,360,000 |
| Cedar Falls Community Credit Union 123 W 4TH ST CEDAR FALLS, IA 50613 |
* | $ n/a | 2 | $ 270,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 180,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 260,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 500,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ n/a | 2 | $ 820,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 2 | $ 620,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 490,000 |
| Cusb Bank 111 N ELM ST CRESCO, IA 52136 |
* | $ n/a | 2 | $ 330,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ n/a | 2 | $ 550,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 1 | $ 65,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 195,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 1 | $ 55,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 75,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 35,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 75,000 |
| Hills Bank and Trust Company 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ n/a | 1 | $ 175,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 245,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 1 | $ 315,000 |
| First State Bank 413 EAST ST LYNNVILLE, IA 50153 |
* | $ n/a | 1 | $ 75,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 65,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 1 | $ 45,000 |
| Belem Servicing, LLC dba Patriot Home Mortgage 230 N 1680 E ST GEORGE, UT 84770 |
* | $ n/a | 1 | $ 65,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ n/a | 1 | $ 35,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 1 | $ 55,000 |
| Citizens State Bank 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ n/a | 1 | $ 595,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ n/a | 1 | $ 175,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ n/a | 1 | $ 175,000 |
| Community State Bank 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ n/a | 1 | $ 475,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ n/a | 1 | $ 305,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 155,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ n/a | 1 | $ 105,000 |
| Lakeview Bank 9725 163RD ST W LAKEVILLE, MN 55044 |
* | $ n/a | 1 | $ 85,000 |
| American Heritage Lending, LLC 19800 MACARTHUR BLVD SUITE 950 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 165,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 385,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 145,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ n/a | 1 | $ 95,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 265,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 615,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 1 | $ 465,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 555,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 335,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 105,000 |
| Bankiowa 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ n/a | 1 | $ 165,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 185,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ n/a | 1 | $ 185,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 95,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 65,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ n/a | 1 | $ 55,000 |
| New Market Bank 101 OLD TOWN RD ELKO NEW MARKET, MN 55054 |
* | $ n/a | 1 | $ 125,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 35,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ n/a | 1 | $ 835,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 415,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 1 | $ 415,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ n/a | 1 | $ 585,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 145,000 |
| Five Star Bank 2240 DOUGLAS BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 2,505,000 |
| Mazuma Credit Union 7260 W 135TH STREET OVERLAND PARK, KS 66223 |
* | $ n/a | 1 | $ 665,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 125,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 75,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 255,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 405,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 275,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 55,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 1 | $ 285,000 |
| Fidelity Bank & Trust 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ n/a | 1 | $ 115,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 75,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ n/a | 1 | $ 155,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2024 mortgage applications in Cerro Gordo County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Cerro Gordo County, IA in 2024
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 | 394 | $74,530,000 | $189,000 | $1,005,000 | $115,000 | $1,248,000 |
| Cash-out Refinancing | 85 | $14,775,000 | $173,000 | $615,000 | $92,000 | $382,000 |
| Refinancing | 71 | $17,445,000 | $245,000 | $2,505,000 | $121,000 | $558,000 |
| Other Purpose | 64 | $3,730,000 | $58,000 | $325,000 | $106,000 | $645,000 |
| Home Improvement | 48 | $3,560,000 | $74,000 | $395,000 | $267,000 | $7,200,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 446 | $71,800,000 | $160,000 | $1,005,000 | $113,000 | $1,244,000 |
| Not applicable | 81 | $21,345,000 | $263,000 | $2,505,000 | $120,000 | $250,000 |
| Not Provided | 80 | $13,020,000 | $162,000 | $615,000 | $214,000 | $7,200,000 |
| Hispanic | 34 | $5,020,000 | $147,000 | $565,000 | $66,000 | $125,000 |
| Black or African American | 13 | $2,145,000 | $165,000 | $275,000 | $96,000 | $360,000 |
| Asian | 8 | $710,000 | $88,000 | $145,000 | $49,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $69,000 | $69,000 |
| American Indian or Alaskan Native | 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) | 456 | $74,690,000 | $163,000 | $2,505,000 | $143,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 124 | $17,790,000 | $143,000 | $395,000 | $65,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 81 | $21,295,000 | $262,000 | $625,000 | $89,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $320,000 | $160,000 | $205,000 | $65,000 | $81,000 |
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 | 400 | $70,930,000 | $177,000 | $2,505,000 | $135,000 | $7,200,000 |
| Application Withdrawn By Applicant | 84 | $15,530,000 | $184,000 | $765,000 | $100,000 | $558,000 |
| Application Denied By Financial Institution | 79 | $10,255,000 | $129,000 | $595,000 | $112,000 | $1,248,000 |
| Loan Purchased By The Institution | 56 | $11,900,000 | $212,000 | $765,000 | $107,000 | $250,000 |
| File Closed For Incompleteness | 21 | $2,805,000 | $133,000 | $335,000 | $93,000 | $231,000 |
| Application Approved But Not Accepted | 17 | $1,245,000 | $73,000 | $205,000 | $83,000 | $177,000 |
| Preapproval Denied by Financial Institution | 4 | $860,000 | $215,000 | $595,000 | $75,000 | $124,000 |
| Preapproval Approved but not Accepted | 2 | $570,000 | $285,000 | $395,000 | $109,000 | $156,000 |
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 | 529 | $90,335,000 | $170,000 | $1,005,000 | $121,000 | $7,200,000 |
| Debt-To-Income Ratio | 67 | $14,975,000 | $223,000 | $2,505,000 | $170,000 | $1,248,000 |
| Credit History | 27 | $2,675,000 | $99,000 | $595,000 | $128,000 | $1,248,000 |
| Collateral | 17 | $2,045,000 | $120,000 | $585,000 | $89,000 | $246,000 |
| Credit Application Incomplete | 14 | $1,770,000 | $126,000 | $285,000 | $63,000 | $180,000 |
| Other | 4 | $1,700,000 | $425,000 | $595,000 | $113,000 | $208,000 |
| Unverifiable Information | 3 | $345,000 | $115,000 | $155,000 | $92,000 | $122,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $59,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $80,000 | $80,000 |
| 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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