Chambers County, AL Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 931 mortgage applications in Chambers County, AL totaling $86.2 million, down 2% from 2016. The average application was for $92,000, and applicants reported an average income of $46,000. 37% of applications resulted in an originated loan and 27% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 96 applications, followed by Auburnbank and Charterbank.
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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 | 931 |
| Total Mortgage Loan Application Amount | $86,198,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $761,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $1,193,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 96 | $ 6,791,000 |
| Auburnbank 100 N. GAY STREET AUBURN, AL 36830 |
* | $ 832,656,000 | 46 | $ 4,370,000 |
| Charterbank 1233 O.G. SKINNER DRIVE WEST POINT, GA 31833 |
* | $ 1,463,342,000 | 44 | $ 4,022,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 41 | $ 3,102,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 31 | $ 3,517,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 31 | $ 2,793,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 30 | $ 1,809,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 28 | $ 2,879,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 8,676,168,000 | 26 | $ 1,935,000 |
| River Bank & Trust 2611 LEGENDS DRIVE PRATTVILLE, AL 36066 |
* | $ 810,312,000 | 24 | $ 1,473,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 23 | $ 2,042,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 22 | $ 2,150,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 19 | $ 1,201,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 2,823,693,000 | 18 | $ 1,218,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 17 | $ 1,241,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 16 | $ 1,710,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ -1,000 | 15 | $ 1,634,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 12 | $ 927,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 595,178,000 | 11 | $ 1,398,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 11 | $ 1,079,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 10 | $ 1,370,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 10 | $ 1,535,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ 0 | 10 | $ 481,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 10 | $ 1,000,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 10 | $ 925,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 9 | $ 228,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 8 | $ 668,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 8 | $ 1,151,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 8 | $ 1,625,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 8 | $ 760,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 8 | $ 310,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 7 | $ 1,875,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 7 | $ 474,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 218,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 7 | $ 387,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 7 | $ 1,684,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 6 | $ 268,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 6 | $ 594,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 235,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 6 | $ 769,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 6 | $ 942,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 5 | $ 463,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 5 | $ 338,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 5 | $ 128,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 5 | $ 492,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 5 | $ 587,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 598,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 388,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 462,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 648,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 4 | $ 639,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 529,000 |
| Auburn University Credit Union PO BOX 1610 AUBURN, AL 36831 |
* | $ 173,508,000 | 4 | $ 408,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 4 | $ 184,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 314,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 509,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 377,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 3 | $ 215,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 0 | 3 | $ 308,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 14,723,604,000 | 3 | $ 350,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 95,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 239,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 198,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 168,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 2 | $ 213,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 174,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 181,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 2 | $ 65,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 162,000 |
| Synovus Mortgage Corp. 800 SHADES CREEK PARKWAY BIRMINGHAM, AL 35209 |
* | $ -1,000 | 2 | $ 282,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 131,174,000 | 2 | $ 345,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 195,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ -1,000 | 2 | $ 238,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 192,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 176,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 83,640,475,000 | 2 | $ 172,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 70,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 217,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 376,513,000 | 2 | $ 241,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,242,871,000 | 2 | $ 96,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 181,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 95,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 117,000 |
| First Community Bank of Central Alabama 715 WILSON ST WETUMPKA, AL 36092 |
* | $ 354,828,000 | 1 | $ 125,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 5,294,501,000 | 1 | $ 123,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 205,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 1 | $ 75,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 550,032,000 | 1 | $ 178,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 207,323,000 | 1 | $ 110,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 100,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 40,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 86,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 737,581,000 | 1 | $ 73,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 29,874,612,000 | 1 | $ 20,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 134,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 117,000 |
| National Bank of Commerce 813 SHADES CREEK PARKWAY SUITE 100 BIRMINGHAM, AL 35209 |
* | $ 1,947,903,000 | 1 | $ 220,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 74,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 189,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ 0 | 1 | $ 401,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 134,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 220,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 908,911,000 | 1 | $ 232,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,686,060,000 | 1 | $ 43,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 1 | $ 85,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 40,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 258,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 216,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 1 | $ 117,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 77,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,093,521,000 | 1 | $ 32,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 110,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 131,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 62,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 587,783,000 | 1 | $ 56,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 91,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 7,178,756,000 | 1 | $ 29,000 |
The tables below break down 2017 mortgage applications in Chambers County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Chambers County, AL in 2017
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 | 490 | $44,088,000 | $89,000 | $347,000 | $42,000 | $189,000 |
| Refinancing | 362 | $38,314,000 | $105,000 | $761,000 | $49,000 | $1,193,000 |
| Home Improvement | 79 | $3,796,000 | $48,000 | $378,000 | $54,000 | $228,000 |
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 | 514 | $49,898,000 | $97,000 | $761,000 | $55,000 | $1,193,000 |
| Black or African American | 232 | $17,318,000 | $74,000 | $378,000 | $38,000 | $150,000 |
| Not Provided | 83 | $7,929,000 | $95,000 | $334,000 | $48,000 | $194,000 |
| Not applicable | 82 | $8,810,000 | $107,000 | $581,000 | $4,000 | $106,000 |
| Hispanic | 10 | $1,392,000 | $139,000 | $338,000 | $72,000 | $172,000 |
| American Indian or Alaskan Native | 5 | $503,000 | $100,000 | $132,000 | $65,000 | $167,000 |
| Asian | 3 | $248,000 | $82,000 | $95,000 | $49,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $100,000 | $50,000 | $80,000 | $29,000 | $30,000 |
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) | 535 | $44,006,000 | $82,000 | $720,000 | $52,000 | $1,193,000 |
| FHA-insured (Federal Housing Administration) | 223 | $21,262,000 | $95,000 | $280,000 | $33,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 98 | $13,729,000 | $140,000 | $761,000 | $55,000 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 75 | $7,201,000 | $96,000 | $260,000 | $24,000 | $64,000 |
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 | 344 | $36,206,000 | $105,000 | $761,000 | $55,000 | $240,000 |
| Application Denied By Financial Institution | 256 | $19,352,000 | $75,000 | $720,000 | $45,000 | $1,193,000 |
| Loan Purchased By The Institution | 109 | $11,176,000 | $102,000 | $270,000 | $16,000 | $124,000 |
| Application Withdrawn By Applicant | 107 | $10,427,000 | $97,000 | $401,000 | $50,000 | $181,000 |
| File Closed For Incompleteness | 90 | $7,222,000 | $80,000 | $270,000 | $42,000 | $150,000 |
| Application Approved But Not Accepted | 25 | $1,815,000 | $72,000 | $153,000 | $49,000 | $107,000 |
| 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 | 36 | $1,654,000 | $45,000 | $155,000 | $45,000 | $187,000 |
| Debt-To-Income Ratio | 31 | $1,880,000 | $60,000 | $255,000 | $36,000 | $72,000 |
| Collateral | 24 | $1,881,000 | $78,000 | $228,000 | $51,000 | $116,000 |
| Credit Application Incomplete | 12 | $1,291,000 | $107,000 | $292,000 | $51,000 | $112,000 |
| Other | 8 | $852,000 | $106,000 | $338,000 | $62,000 | $172,000 |
| Unverifiable Information | 3 | $207,000 | $69,000 | $88,000 | $40,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $245,000 | $122,000 | $190,000 | $51,000 | $64,000 |
| Employment History | 1 | $59,000 | $59,000 | $59,000 | $24,000 | $24,000 |
| 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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