Cherokee County, SC Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,499 mortgage applications in Cherokee County, SC totaling $148.7 million, down 8% from 2010. The average application was for $99,000, and applicants reported an average income of $49,000. 40% of applications resulted in an originated loan and 25% were denied. The most active lender was First Piedmont Federal Sla, with 182 applications, followed by Vanderbilt Mortgage and Finance, Inc and Wells Fargo Bank NA.
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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 | 1,499 |
| Total Mortgage Loan Application Amount | $148,726,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $1,020,000 |
* 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 |
|---|---|---|---|---|
| First Piedmont Federal Sla 1229 W FLOYD BAKER BLVD GAFFNEY, SC 29341 |
* | $ 279,390,000 | 182 | $ 21,699,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 128 | $ 8,147,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 127 | $ 13,571,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 88 | $ 9,098,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 83 | $ 7,760,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 68 | $ 6,325,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 67 | $ 8,043,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 676,387,000 | 42 | $ 4,540,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 40 | $ 650,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 38 | $ 4,023,000 |
| The Palmetto Bank 306 EAST NORTH STREET GREENVILLE, SC 29601 |
* | $ 1,356,639,000 | 34 | $ 3,458,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 26 | $ 1,230,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 23 | $ 1,987,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 23 | $ 1,071,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 21 | $ 1,968,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 19 | $ 1,997,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 19 | $ 3,186,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 19 | $ 1,665,000 |
| First Citizens Bank 1230 MAIN ST COLUMBIA, SC 29201 |
* | $ 8,203,738,000 | 17 | $ 2,032,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 16 | $ 1,620,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 15 | $ 1,703,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 15 | $ 1,450,000 |
| Arthur State Bank 131 S MAIN ST UNION, SC 29379 |
* | $ 634,633,000 | 14 | $ 1,360,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 938,997,000 | 14 | $ 1,428,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,478,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 13 | $ 1,801,000 |
| Guardian Fidelity Mortgage, Inc. PO BOX 12248 ROCK HILL, SC 29731 |
* | $ 11,829,000 | 13 | $ 276,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 11 | $ 1,193,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 10 | $ 1,556,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 10 | $ 1,508,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 10 | $ 1,021,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 10 | $ 1,031,000 |
| Founders Federal Credit Union 737 PLANTATION ROAD LANCASTER, SC 29720 |
* | $ 1,554,278,000 | 9 | $ 355,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,057,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 8 | $ 633,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,400,622,000 | 7 | $ 772,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 1,077,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 7 | $ 839,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 6 | $ 398,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 6 | $ 545,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 6 | $ 975,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 2,297,660,000 | 6 | $ 332,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 5 | $ 199,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 5 | $ 596,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 5 | $ 353,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 4 | $ 579,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 4 | $ 340,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 4 | $ 361,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 310,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 4 | $ 639,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 4 | $ 567,000 |
| Spero Financial Federal Credit Union PO BOX 10708 GREENVILLE, SC 29601 |
* | $ 199,908,000 | 4 | $ 569,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,923,419,000 | 4 | $ 257,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 4 | $ 95,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 436,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 339,000 |
| Countybank 425 MAIN STREET GREENWOOD, SC 29648 |
* | $ 274,505,000 | 3 | $ 242,000 |
| Park Sterling Bank 1043 E MOREHEAD ST, STE 201 CHARLOTTE, NC 28204 |
* | $ 616,102,000 | 3 | $ 753,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 435,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 263,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 3 | $ 317,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 3 | $ 384,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ 10,000,000 | 3 | $ 383,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 3 | $ 751,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 439,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 3 | $ 247,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 295,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 3 | $ 207,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 2 | $ 111,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 2 | $ 78,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 223,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 2 | $ 37,000 |
| Scbt, NA PO BOX 1287 ORANGEBURG, SC 29116 |
* | $ 3,593,230,000 | 2 | $ 309,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 92,000 |
| First National Bank of Shelby 106 S LAFAYETTE STREET SHELBY, NC 28150 |
* | $ 995,403,000 | 2 | $ 49,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 376,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 267,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 90,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 2 | $ 185,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 2 | $ 493,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 281,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 89,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 286,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 295,000 |
| Hometrust Bank N.A. P O BOX 10 ASHEVILLE, NC 28804 |
* | $ 1,669,845,000 | 2 | $ 357,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 2 | $ 26,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 2 | $ 135,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 424,689,000 | 1 | $ 146,000 |
| Capital Bank, NA 121 ALHAMBRA PLAZA, SUITE 1601 CORAL GABLES, FL 33134 |
* | $ 1,199,144,000 | 1 | $ 32,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 88,000 |
| Woodruff Federal Savings and Loan Association 247 N MAIN ST WOODRUFF, SC 29388 |
* | $ 94,840,000 | 1 | $ 148,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 47,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 933,501,000 | 1 | $ 98,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 1 | $ 154,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 1 | $ 82,000 |
| Communitysouth Bank 935 SOUTH MAIN STREET, SUITE 300 GREENVILLE, SC 29601 |
* | $ 340,986,000 | 1 | $ 44,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 826,113,000 | 1 | $ 99,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 1,195,416,000 | 1 | $ 121,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 1 | $ 143,000 |
| Alliance Bank & Trust Company 292 W MAIN AVE GASTONIA, NC 28052 |
* | $ 184,923,000 | 1 | $ 48,000 |
| Bank of North Carolina 3980 PREMIER DR. STE 150 HIGH POINT, NC 27265 |
* | $ 2,148,565,000 | 1 | $ 312,000 |
| First South Bancorp, Inc. P.O. BOX 1928 SPARTANBURG, SC 29304 |
* | $ 461,416,000 | 1 | $ 28,000 |
| Carolinas Telco FCU PO BOX 668467 CHARLOTTE, NC 28266 |
* | $ 344,333,000 | 1 | $ 84,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 907,624,000 | 1 | $ 144,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 68,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 264,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 137,000 |
| Carolina Foothills Federal Credit Union 520 N. CHURCH STREET SPARTANBURG, SC 29303 |
* | $ 47,824,000 | 1 | $ 37,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 121,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 122,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 118,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 136,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 475,843,000 | 1 | $ 72,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 70,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Allen Tate Mortgage Services, 8640 UNIVERSITY EXECUTIVE PARK DR CHARLOTTE, NC 28262 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 110,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 1 | $ 86,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 23,061,183,000 | 1 | $ 86,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 1 | $ 114,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 180,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 104,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 149,000 |
The tables below break down 2011 mortgage applications in Cherokee County, SC 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, SC 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 | 756 | $83,890,000 | $110,000 | $375,000 | $56,000 | $1,020,000 |
| Home Purchase | 663 | $62,144,000 | $93,000 | $417,000 | $41,000 | $296,000 |
| Home Improvement | 80 | $2,692,000 | $33,000 | $254,000 | $43,000 | $157,000 |
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 | 1,106 | $109,049,000 | $98,000 | $417,000 | $53,000 | $664,000 |
| Black or African American | 140 | $12,298,000 | $87,000 | $264,000 | $40,000 | $141,000 |
| Not applicable | 120 | $13,736,000 | $114,000 | $330,000 | $4,000 | $80,000 |
| Not Provided | 105 | $10,584,000 | $100,000 | $264,000 | $70,000 | $1,020,000 |
| Hispanic | 19 | $1,750,000 | $92,000 | $312,000 | $62,000 | $395,000 |
| Asian | 6 | $837,000 | $139,000 | $227,000 | $46,000 | $74,000 |
| American Indian or Alaskan Native | 2 | $420,000 | $210,000 | $260,000 | $43,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $52,000 | $52,000 | $52,000 | $64,000 | $64,000 |
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) | 938 | $88,589,000 | $94,000 | $417,000 | $54,000 | $1,020,000 |
| FHA-insured (Federal Housing Administration) | 317 | $33,950,000 | $107,000 | $274,000 | $43,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 175 | $17,627,000 | $100,000 | $191,000 | $34,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 69 | $8,560,000 | $124,000 | $330,000 | $44,000 | $214,000 |
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 | 593 | $63,293,000 | $106,000 | $382,000 | $58,000 | $664,000 |
| Application Denied By Financial Institution | 381 | $29,405,000 | $77,000 | $273,000 | $42,000 | $152,000 |
| Loan Purchased By The Institution | 250 | $30,438,000 | $121,000 | $375,000 | $30,000 | $299,000 |
| Application Withdrawn By Applicant | 137 | $13,843,000 | $101,000 | $417,000 | $66,000 | $1,020,000 |
| Application Approved But Not Accepted | 107 | $7,998,000 | $74,000 | $234,000 | $46,000 | $275,000 |
| File Closed For Incompleteness | 31 | $3,749,000 | $120,000 | $282,000 | $60,000 | $161,000 |
| 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 | 115 | $7,279,000 | $63,000 | $254,000 | $42,000 | $151,000 |
| Debt-To-Income Ratio | 59 | $4,639,000 | $78,000 | $273,000 | $38,000 | $129,000 |
| Collateral | 32 | $3,053,000 | $95,000 | $186,000 | $47,000 | $142,000 |
| Other | 20 | $1,734,000 | $86,000 | $161,000 | $55,000 | $100,000 |
| Credit Application Incomplete | 13 | $1,359,000 | $104,000 | $185,000 | $53,000 | $152,000 |
| Unverifiable Information | 8 | $744,000 | $93,000 | $271,000 | $38,000 | $48,000 |
| Employment History | 3 | $150,000 | $50,000 | $65,000 | $42,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $211,000 | $70,000 | $131,000 | $27,000 | $64,000 |
| 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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