Cherokee County, OK Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,491 mortgage applications in Cherokee County, OK totaling $259.3 million, up 4% from 2023. The average application was for $173,000, and applicants reported an average income of $101,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Arvest Bank, with 158 applications, followed by Bancfirst and Armstrong 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 | 1,491 |
| Total Mortgage Loan Application Amount | $259,335,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $7,045,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $1,410,000 |
* 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 |
|---|---|---|---|---|
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 158 | $ 27,730,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ n/a | 126 | $ 14,770,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ n/a | 89 | $ 11,655,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 75 | $ 8,925,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 75 | $ 9,125,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 54 | $ 7,360,000 |
| Ttcu Federal Credit Union 9815 E 81ST ST TULSA, OK 74133 |
* | $ n/a | 43 | $ 3,995,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 42 | $ 8,170,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 39 | $ 7,815,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 34 | $ 4,560,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 32 | $ 6,250,000 |
| Local Bank 385 EAST MAIN HULBERT, OK 74441 |
* | $ n/a | 32 | $ 6,820,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 31 | $ 5,395,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 31 | $ 6,115,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 23 | $ 1,635,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 23 | $ 4,865,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 21 | $ 4,095,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 20 | $ 5,320,000 |
| Firstar Bank 1720 E CHEROKEE AVE SALLISAW, OK 74955 |
* | $ n/a | 17 | $ 3,835,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 16 | $ 2,370,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 16 | $ 2,540,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ n/a | 16 | $ 2,830,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 3,290,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 15 | $ 2,935,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ n/a | 15 | $ 2,865,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 14 | $ 2,760,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 13 | $ 2,225,000 |
| American Bank of Oklahoma 200 E MAIN, P.O. BOX 66 COLLINSVILLE, OK 74021 |
* | $ n/a | 13 | $ 2,345,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 12 | $ 3,460,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 12 | $ 1,800,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 11 | $ 2,375,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ n/a | 11 | $ 3,465,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 11 | $ 1,875,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 11 | $ 1,275,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 10 | $ 2,240,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 9 | $ 1,325,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 9 | $ 2,095,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 8 | $ 2,020,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 145,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 7 | $ 245,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,345,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,070,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 1,090,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 6 | $ 1,010,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 6 | $ 1,360,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 6 | $ 280,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 5 | $ 585,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 5 | $ 905,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ n/a | 5 | $ 435,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 655,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 1,065,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 4 | $ 1,510,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 4 | $ 610,000 |
| First National Bank of Fort Smith 602 GARRISON AVE FORT SMITH, AR 72901 |
* | $ n/a | 4 | $ 530,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 4 | $ 560,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 4 | $ 930,000 |
| Mabrey Bank P O BOX 130 BIXBY, OK 74008 |
* | $ n/a | 4 | $ 610,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ n/a | 3 | $ 655,000 |
| Developer's Mortgage Company 2700 E DUBLIN GRANVILLE RD SUITE 460 COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 585,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 3 | $ 905,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 3 | $ 435,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 3 | $ 655,000 |
| Oklahoma Central Credit Union 4956 SOUTH PEORIA AVENUE 4956 S. PEORIA AVE, OK 74105 |
* | $ n/a | 3 | $ 1,175,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 7,315,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 3 | $ 1,085,000 |
| Bank of Commerce 322 W 6TH ST CHELSEA, OK 74016 |
* | $ n/a | 3 | $ 315,000 |
| Plus Relocation Mortgage, LLC 1100 VIRGINIA DRIVE, SUITE 125 FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 945,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 2 | $ 410,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 160,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 550,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 650,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 200,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 800,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 490,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 790,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 400,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 380,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 540,000 |
| Community Bank P.O. BOX 1020 BRISTOW, OK 74010 |
* | $ n/a | 2 | $ 140,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 280,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 270,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 2 | $ 530,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ n/a | 2 | $ 50,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 560,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 1 | $ 335,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 545,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 25,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 165,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 225,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ n/a | 1 | $ 285,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 275,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 175,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ n/a | 1 | $ 75,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 1 | $ 95,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ n/a | 1 | $ 85,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 195,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 275,000 |
| Red Crown Federal Credit Union 5001 E 91ST ST TULSA, OK 74137 |
* | $ n/a | 1 | $ 95,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ n/a | 1 | $ 95,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 255,000 |
| Green Country Federal Credit Union 202 EAST MORROW ROAD SAND SPRINGS, OK 74063 |
* | $ n/a | 1 | $ 35,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 125,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ n/a | 1 | $ 125,000 |
| Nbc Oklahoma WICHITA, KS 67207 |
* | $ n/a | 1 | $ 65,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 215,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ n/a | 1 | $ 195,000 |
| Triad Bank, N.A. 7666 E. 61ST STEET, SUITE 150 TULSA, OK 74153 |
* | $ n/a | 1 | $ 35,000 |
| Grand Savings Bank P O BOX 451809, 1022 SOUTH MAIN GROVE, OK 74344 |
* | $ n/a | 1 | $ 155,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 255,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 165,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 145,000 |
| Grand Bank, An Oklahoma Banking Corporation 4200 E. SKELLY DRIVE SUITE 200 TULSA, OK 74114 |
* | $ n/a | 1 | $ 2,675,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 305,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 305,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ n/a | 1 | $ 255,000 |
| All America Bank 444 WEST STATE HIGHWAY 152 MUSTANG, OK 73064 |
* | $ n/a | 1 | $ 245,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 485,000 |
| First Western Bank 401 W WALNUT ST ROGERS, AR 72756 |
* | $ n/a | 1 | $ 165,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ n/a | 1 | $ 415,000 |
| Regent Bank 105 N MAPLE TULSA, OK 74136 |
* | $ n/a | 1 | $ 635,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ n/a | 1 | $ 65,000 |
| Credence Funding Corporation 1200 TECHNOLOGY DR SUITE A ABERDEEN, MD 21001 |
* | $ n/a | 1 | $ 235,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 165,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 185,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 275,000 |
| Farmers Bank 71 WEST CENTER GREENWOOD, AR 72936 |
* | $ n/a | 1 | $ 225,000 |
| Genway Home Mortgage, Inc. 3211 INTERNET BOULEVARD, SUITE 300 FRISCO, TX 75034 |
* | $ n/a | 1 | $ 205,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 75,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 65,000 |
| First Texoma National Bank 220 W MAIN DURANT, OK 74701 |
* | $ n/a | 1 | $ 225,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 145,000 |
| Avb Bank 302 SOUTH MAIN BROKEN ARROW, OK 74012 |
* | $ n/a | 1 | $ 195,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 175,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ n/a | 1 | $ 515,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 255,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 15,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 405,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 55,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 205,000 |
| Barksdale Federal Credit Union 2701 VILLAGE LN BOSSIER CITY, LA 71112 |
* | $ n/a | 1 | $ 285,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 315,000 |
| The First National Bank and Trust Company of Broke 121 SOUTH MAIN STEET BROKEN ARROW, OK 74012 |
* | $ n/a | 1 | $ 215,000 |
| Generations Bank 1325 HWY 278 BYPASS ROGERS, AR 72758 |
* | $ n/a | 1 | $ 475,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 225,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 mortgage applications in Cherokee County, OK 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, OK 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 | 909 | $182,355,000 | $200,000 | $7,045,000 | $105,000 | $1,410,000 |
| Cash-out Refinancing | 173 | $30,245,000 | $174,000 | $535,000 | $90,000 | $459,000 |
| Refinancing | 171 | $29,465,000 | $172,000 | $1,215,000 | $94,000 | $682,000 |
| Home Improvement | 129 | $9,205,000 | $71,000 | $515,000 | $113,000 | $920,000 |
| Other Purpose | 107 | $7,985,000 | $74,000 | $355,000 | $86,000 | $408,000 |
| Not Applicable | 2 | $80,000 | $40,000 | $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 | 671 | $109,945,000 | $163,000 | $1,315,000 | $108,000 | $1,410,000 |
| American Indian or Alaskan Native | 404 | $62,590,000 | $154,000 | $725,000 | $89,000 | $900,000 |
| Not applicable | 197 | $50,565,000 | $256,000 | $7,045,000 | $101,000 | $176,000 |
| Not Provided | 114 | $21,660,000 | $190,000 | $775,000 | $120,000 | $920,000 |
| Hispanic | 76 | $10,210,000 | $134,000 | $335,000 | $71,000 | $294,000 |
| Asian | 16 | $2,790,000 | $174,000 | $715,000 | $150,000 | $426,000 |
| Black or African American | 11 | $1,465,000 | $133,000 | $255,000 | $56,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $110,000 | $55,000 | $55,000 | $75,000 | $75,000 |
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) | 1,005 | $163,175,000 | $162,000 | $7,045,000 | $109,000 | $1,410,000 |
| FHA-insured (Federal Housing Administration) | 267 | $50,295,000 | $188,000 | $425,000 | $82,000 | $546,000 |
| VA-guaranteed (Veterans Administration) | 142 | $33,960,000 | $239,000 | $725,000 | $90,000 | $302,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 77 | $11,905,000 | $154,000 | $285,000 | $67,000 | $131,000 |
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 | 710 | $135,050,000 | $190,000 | $7,045,000 | $116,000 | $1,410,000 |
| Application Denied By Financial Institution | 280 | $38,540,000 | $137,000 | $715,000 | $78,000 | $426,000 |
| Application Withdrawn By Applicant | 172 | $28,980,000 | $168,000 | $1,215,000 | $93,000 | $900,000 |
| Loan Purchased By The Institution | 154 | $32,000,000 | $207,000 | $665,000 | $91,000 | $176,000 |
| File Closed For Incompleteness | 98 | $14,380,000 | $146,000 | $585,000 | $75,000 | $246,000 |
| Application Approved But Not Accepted | 76 | $10,270,000 | $135,000 | $435,000 | $107,000 | $682,000 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $261,000 | $261,000 |
| 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 | 1,159 | $208,535,000 | $179,000 | $7,045,000 | $104,000 | $1,410,000 |
| Debt-To-Income Ratio | 135 | $23,835,000 | $176,000 | $2,675,000 | $101,000 | $875,000 |
| Credit History | 102 | $12,460,000 | $122,000 | $675,000 | $74,000 | $291,000 |
| Credit Application Incomplete | 34 | $4,810,000 | $141,000 | $715,000 | $125,000 | $426,000 |
| Collateral | 25 | $3,905,000 | $156,000 | $355,000 | $102,000 | $294,000 |
| Unverifiable Information | 13 | $2,095,000 | $161,000 | $535,000 | $66,000 | $144,000 |
| Other | 12 | $1,610,000 | $134,000 | $425,000 | $77,000 | $298,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,415,000 | $202,000 | $605,000 | $100,000 | $153,000 |
| Employment History | 4 | $670,000 | $167,000 | $265,000 | $43,000 | $86,000 |
| 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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