Cherokee County, AL Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 826 mortgage applications in Cherokee County, AL totaling $100.4 million, down 18% from 2010. The average application was for $121,000, and applicants reported an average income of $60,000. 40% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 72 applications, followed by Regions Bank and First Federal 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 | 826 |
| Total Mortgage Loan Application Amount | $100,378,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $1,190,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $800,000 |
* 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 |
* | $ 1,104,833,000,000 | 72 | $ 8,764,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 59 | $ 5,296,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 175,796,000 | 49 | $ 5,617,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 49 | $ 5,867,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 39 | $ 6,186,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 38 | $ 4,671,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 34 | $ 4,756,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 28 | $ 3,377,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 23 | $ 2,869,000 |
| Generations Bank 1285 CHESNUT BYPASS CENTRE, AL 35960 |
* | $ 61,466,000 | 23 | $ 645,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 18 | $ 2,205,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 17 | $ 2,589,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 1,026,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 14 | $ 1,991,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 14 | $ 1,749,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 512,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 12 | $ 1,010,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 12 | $ 1,803,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 12 | $ 2,202,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,426,039,000 | 12 | $ 1,391,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 376,850,000 | 12 | $ 522,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 11 | $ 2,063,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 1,947,000 |
| Emblem Credit Union 702 WALNUT ST GADSDEN, AL 35901 |
* | $ 197,839,000 | 9 | $ 821,000 |
| Union State Bank 2019 COGSWELL AVE PELL CITY, AL 35125 |
* | $ 280,724,000 | 9 | $ 323,000 |
| Family Savings Credit Union 711 EAST MEIGHAN BLVD GADSDEN, AL 35903 |
* | $ 263,661,000 | 7 | $ 387,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 898,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 7 | $ 1,045,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 62,638,180,000 | 7 | $ 1,466,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 6 | $ 491,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 1,106,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 5 | $ 756,000 |
| Keystone Bank 2394 E. UNIVERSITY DR. AUBURN, AL 36830 |
* | $ 187,870,000 | 5 | $ 809,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,291,724,000 | 5 | $ 623,000 |
| Peoples Independent Bank 121 BILLY DYAR BLVD PO BOX 669 BOAZ, AL 35957 |
* | $ 168,769,000 | 4 | $ 411,000 |
| Liberty Bank 40956 AL HWY 75, PO BOX 187 GERALDINE, AL 35974 |
* | $ 102,237,000 | 4 | $ 139,000 |
| Superior Bank 17 N 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 3,010,027,000 | 4 | $ 753,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 405,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 4 | $ 500,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 4 | $ 615,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 172,971,000 | 4 | $ 633,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 3 | $ 438,000 |
| Citifinancial Corporation,Llc 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 268,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 3 | $ 384,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 429,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 552,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 299,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 343,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 205,014,000 | 3 | $ 236,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 3 | $ 611,000 |
| Coosa Valley Credit Union 2010 REDMOND CIRCLE ROME, GA 30165 |
* | $ 152,026,000 | 3 | $ 215,000 |
| Fort McClellan Credit Union 1731 NOBLE STREET ANNISTON, AL 36201 |
* | $ 147,508,000 | 2 | $ 100,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ 597,358,000 | 2 | $ 57,000 |
| The Southern Bank Company P O BOX 1130 GADSDEN, AL 35902 |
* | $ 97,911,000 | 2 | $ 194,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 2 | $ 140,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 2 | $ 148,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 277,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 318,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 2 | $ 247,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 2 | $ 309,000 |
| Noblebank & Trust, N.A. 1509 QUINTARD AVENUE ANNISTON, AL 36201 |
* | $ 169,560,000 | 2 | $ 109,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 2 | $ 127,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 170,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 81,053,000 | 1 | $ 98,000 |
| Citizens Bank & Trust, Inc. P O BOX 249 TRENTON, GA 30752 |
* | $ 87,745,000 | 1 | $ 30,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 79,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,516,509,000 | 1 | $ 180,000 |
| Southeast First National Bank P.O. BOX 530, 10144 COMMERCE STREET SUMMERVILLE, GA 30747 |
* | $ 67,055,000 | 1 | $ 16,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 144,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 427,083,000 | 1 | $ 251,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 77,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 1 | $ 233,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 137,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 16,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 35,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 1 | $ 40,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 224,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 2,023,000 | 1 | $ 52,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 123,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 197,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 186,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 50,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 101,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 475,843,000 | 1 | $ 65,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 15,180,000 | 1 | $ 463,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 83,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Heritage First Bank 501 BROAD STREET ROME, GA 30161 |
* | $ 101,688,000 | 1 | $ 5,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,270,503,000 | 1 | $ 270,000 |
| Affiliated Financial Group, Ll 5690 DTC BLVD GREENWOOD VILLIAGE, CO 80111 |
* | $ 196,687,000 | 1 | $ 72,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,270,503,000 | 1 | $ 270,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 726,447,000 | 1 | $ 1,190,000 |
| Aliant Bank 200 ALIANT PARKWAY ALEXANDER CITY, AL 35010 |
* | $ 904,828,000 | 1 | $ 62,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 1,195,416,000 | 1 | $ 335,000 |
| The Exchange Bank of Alabama PO BOX 1100 GADSDEN, AL 35902 |
* | $ 243,853,000 | 1 | $ 3,000 |
| Homestar Bank and Financial Services 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 394,266,000 | 1 | $ 83,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 495,223,000 | 1 | $ 148,000 |
| Greater Community Bank 1490 MARTHA BERRY BLVD.; P. O. BOX 529 ROME, GA 30162 |
* | $ 166,918,000 | 1 | $ 44,000 |
| Georgia Heritage Bank 18 GOERGIA HERITAGE PLACE PO BOX 1430 DALLAS, GA 30132 |
* | $ 80,770,000 | 1 | $ 83,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 234,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 69,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 234,000 |
| Aod Federal Credit Union 334 VICTORY DRIVE BYNUM, AL 36253 |
* | $ 220,407,000 | 1 | $ 169,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,276,258,000 | 1 | $ 129,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 3,880,849,000 | 1 | $ 203,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 426,954,000 | 1 | $ 30,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 538,410,000 | 1 | $ 175,000 |
| Ibm Southeast Emp Credit Union 1000 NW 17TH AVE DELRAY BEACH, FL 33445 |
* | $ 836,704,000 | 1 | $ 204,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 262,000 |
| Southern States Bank DALLAS, GA 30157 |
* | $ 191,448,000 | 1 | $ 95,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ 1,608,491,000 | 1 | $ 112,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 150,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 197,000 |
The tables below break down 2011 mortgage applications in Cherokee 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 Cherokee County, AL in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 499 | $70,062,000 | $140,000 | $1,190,000 | $65,000 | $800,000 |
| Home Purchase | 269 | $28,257,000 | $105,000 | $463,000 | $52,000 | $607,000 |
| Home Improvement | 58 | $2,059,000 | $35,000 | $375,000 | $47,000 | $283,000 |
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 | 620 | $72,043,000 | $116,000 | $1,190,000 | $68,000 | $645,000 |
| Not applicable | 113 | $16,246,000 | $143,000 | $455,000 | $10,000 | $461,000 |
| Not Provided | 64 | $9,900,000 | $154,000 | $463,000 | $67,000 | $800,000 |
| Black or African American | 18 | $1,320,000 | $73,000 | $146,000 | $43,000 | $120,000 |
| American Indian or Alaskan Native | 4 | $399,000 | $99,000 | $208,000 | $125,000 | $347,000 |
| Asian | 3 | $173,000 | $57,000 | $69,000 | $37,000 | $44,000 |
| Hispanic | 3 | $181,000 | $60,000 | $70,000 | $51,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $116,000 | $116,000 | $116,000 | $43,000 | $43,000 |
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) | 593 | $72,786,000 | $122,000 | $540,000 | $67,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 160 | $17,964,000 | $112,000 | $262,000 | $40,000 | $252,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $6,005,000 | $125,000 | $1,190,000 | $41,000 | $268,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,623,000 | $144,000 | $269,000 | $44,000 | $125,000 |
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 | 332 | $39,522,000 | $119,000 | $1,190,000 | $73,000 | $607,000 |
| Loan Purchased By The Institution | 194 | $26,736,000 | $137,000 | $455,000 | $35,000 | $461,000 |
| Application Denied By Financial Institution | 165 | $18,546,000 | $112,000 | $540,000 | $59,000 | $800,000 |
| Application Withdrawn By Applicant | 70 | $8,219,000 | $117,000 | $386,000 | $60,000 | $396,000 |
| Application Approved But Not Accepted | 38 | $4,015,000 | $105,000 | $234,000 | $52,000 | $270,000 |
| File Closed For Incompleteness | 27 | $3,340,000 | $123,000 | $289,000 | $89,000 | $600,000 |
| 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 | 41 | $3,463,000 | $84,000 | $463,000 | $36,000 | $115,000 |
| Collateral | 27 | $4,846,000 | $179,000 | $540,000 | $122,000 | $800,000 |
| Debt-To-Income Ratio | 16 | $2,630,000 | $164,000 | $389,000 | $46,000 | $91,000 |
| Other | 9 | $1,074,000 | $119,000 | $269,000 | $105,000 | $266,000 |
| Credit Application Incomplete | 8 | $1,080,000 | $135,000 | $270,000 | $79,000 | $143,000 |
| Employment History | 2 | $332,000 | $166,000 | $206,000 | $27,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $283,000 | $283,000 | $283,000 | $131,000 | $131,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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