Chester County, SC Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,845 mortgage applications in Chester County, SC totaling $402.9 million, up 10% from 2024. The average application was for $218,000, and applicants reported an average income of $86,000. 43% of applications resulted in an originated loan and 21% were denied. The most active lender was Lennar Mortgage, LLC, with 155 applications, followed by Founders Federal Credit Union and Vanderbilt Mortgage and Finance, Inc.

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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 1,845
Total Mortgage Loan Application Amount $402,915,000
Average Mortgage Loan Application Amount $218,000
Highest Mortgage Loan Application Amount $7,945,000
Average Applicant Income $86,000
Highest Applicant Income $1,224,000

Mortgage Company List for Lending in Chester County, SC for 2025

* 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
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ n/a 155 $ 42,635,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ n/a 155 $ 23,685,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 121 $ 16,005,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 104 $ 27,180,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 76 $ 20,600,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 52 $ 15,070,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 45 $ 5,725,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 44 $ 5,740,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 40 $ 10,910,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 38 $ 9,340,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 33 $ 8,795,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 32 $ 7,160,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 32 $ 8,620,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 31 $ 8,525,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 31 $ 5,865,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 29 $ 6,005,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 28 $ 4,600,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 22 $ 2,810,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 22 $ 5,590,000
Spratt Savings Bank
121 SALUDA STREET
CHESTER, SC 29706
* $ n/a 22 $ 5,000,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 20 $ 4,650,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 19 $ 4,425,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 19 $ 3,705,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 18 $ 2,610,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 17 $ 965,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 17 $ 2,945,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 17 $ 3,325,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 16 $ 3,660,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 16 $ 3,010,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 16 $ 2,980,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 15 $ 2,575,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 12 $ 2,730,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 12 $ 3,320,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 12 $ 3,190,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 12 $ 1,830,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 12 $ 2,350,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 11 $ 1,555,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 10 $ 1,650,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 10 $ 2,170,000
Family Trust Federal Credit Union
1615 PROGRESS WAY
ROCK HILL, SC 29730
* $ n/a 10 $ 1,390,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 10 $ 1,440,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 9 $ 2,135,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 9 $ 1,655,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 9 $ 1,815,000
Skyla Federal Credit Union
718 CENTRAL AVENUE
CHARLOTTE, NC 28209
* $ n/a 8 $ 2,450,000
Arthur State Bank
131 S MAIN ST
UNION, SC 29379
* $ n/a 8 $ 3,310,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 8 $ 2,030,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 7 $ 965,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 7 $ 735,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 7 $ 1,885,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 7 $ 1,435,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 6 $ 1,530,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 6 $ 1,290,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 6 $ 1,460,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 6 $ 1,110,000
First Community Bank
5455 SUNSET BLVD
LEXINGTON, SC 29072
* $ n/a 6 $ 1,560,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 6 $ 1,680,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 5 $ 1,115,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 5 $ 995,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 5 $ 745,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 5 $ 1,025,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 5 $ 905,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 5 $ 1,135,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 485,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 5 $ 565,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 4 $ 590,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ n/a 4 $ 1,850,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 4 $ 780,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 4 $ 1,420,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 4 $ 780,000
New Story Lending LLC

SENECA, SC 29678
* $ n/a 4 $ 1,070,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 4 $ 930,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 4 $ 1,330,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 4 $ 790,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 4 $ 1,170,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 3 $ 945,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 3 $ 505,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 835,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 145,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 3 $ 425,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 3 $ 405,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 3 $ 905,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 3 $ 755,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 735,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 3 $ 925,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 685,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 3 $ 685,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 835,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 200,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 2 $ 280,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 2 $ 380,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 2 $ 370,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 960,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 2 $ 310,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 2 $ 70,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 550,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 570,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 340,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 2 $ 410,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 2 $ 130,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 2 $ 820,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 270,000
First Palmetto Bank
407 E DEKALB STREET
CAMDEN, SC 29020
* $ n/a 2 $ 290,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 240,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 2 $ 50,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 2 $ 150,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 260,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 550,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 2 $ 400,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 590,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 390,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 760,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 2 $ 12,650,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 2 $ 390,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 260,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 225,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 45,000
Southern Bank

DUNCAN, SC 29334
* $ n/a 1 $ 45,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 1 $ 335,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 185,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 1 $ 455,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 385,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 225,000
Srp Federal Credit Union
1070 EDGEFIELD ROAD
NORTH AUGUSTA, SC 29841
* $ n/a 1 $ 75,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 325,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 1 $ 95,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 245,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 165,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 255,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 375,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 225,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 155,000
Palmetto Citizens Federal Cred
PO BOX 5846
COLUMBIA, SC 29250
* $ n/a 1 $ 115,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 165,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 545,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 1 $ 365,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 35,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 305,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 205,000
Jet Homeloans, LP
14701 PHILIPS HIGHWAY SUITE 202
JACKSONVILLE, FL 32256
* $ n/a 1 $ 335,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 1 $ 115,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 185,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 335,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 175,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 215,000
Sc State Credit Union
800 HUGER STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 155,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 205,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 245,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 285,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 105,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 255,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 325,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 1 $ 455,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 155,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 285,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 1 $ 155,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ n/a 1 $ 85,000
Reliant Home Funding, Inc
445 BROADHOLLOW RD SUITE 334
MELVILLE, NY 11747
* $ n/a 1 $ 265,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 325,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 75,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 1 $ 205,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 1 $ 125,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 145,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 215,000

The tables below break down 2025 mortgage applications in Chester 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 Chester County, SC in 2025

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 1,118 $267,090,000 $238,000 $7,945,000 $85,000 $891,000
Cash-out Refinancing 315 $66,085,000 $209,000 $1,175,000 $84,000 $377,000
Refinancing 185 $48,805,000 $263,000 $755,000 $86,000 $470,000
Other Purpose 137 $11,495,000 $83,000 $695,000 $77,000 $389,000
Home Improvement 86 $8,530,000 $99,000 $505,000 $119,000 $1,224,000
Not Applicable 4 $910,000 $227,000 $295,000 $102,000 $102,000

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 874 $183,130,000 $209,000 $905,000 $92,000 $1,224,000
Black or African American 385 $72,785,000 $189,000 $1,175,000 $73,000 $900,000
Not applicable 258 $72,120,000 $279,000 $7,945,000 $97,000 $312,000
Not Provided 198 $43,140,000 $217,000 $905,000 $76,000 $377,000
Hispanic 99 $24,765,000 $250,000 $985,000 $94,000 $483,000
Asian 17 $4,525,000 $266,000 $425,000 $112,000 $162,000
American Indian or Alaskan Native 12 $2,300,000 $191,000 $455,000 $55,000 $95,000
Native Hawaiian or Other Pacific Islander 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) 1,016 $189,360,000 $186,000 $7,945,000 $90,000 $1,224,000
FHA-insured (Federal Housing Administration) 612 $151,250,000 $247,000 $505,000 $78,000 $312,000
VA-guaranteed (Veterans Administration) 186 $54,910,000 $295,000 $1,175,000 $84,000 $207,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $7,395,000 $238,000 $375,000 $75,000 $124,000

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 800 $190,670,000 $238,000 $7,945,000 $91,000 $1,224,000
Application Denied By Financial Institution 386 $71,900,000 $186,000 $905,000 $81,000 $900,000
Loan Purchased By The Institution 246 $59,030,000 $239,000 $525,000 $87,000 $312,000
Application Withdrawn By Applicant 209 $44,465,000 $212,000 $645,000 $84,000 $483,000
File Closed For Incompleteness 148 $26,940,000 $182,000 $655,000 $76,000 $470,000
Application Approved But Not Accepted 52 $9,280,000 $178,000 $375,000 $76,000 $227,000
Preapproval Approved but not Accepted 3 $455,000 $151,000 $295,000 $69,000 $116,000
Preapproval Denied by Financial Institution 1 $175,000 $175,000 $175,000 $67,000 $67,000

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 1,430 $325,330,000 $227,000 $7,945,000 $87,000 $1,224,000
Debt-To-Income Ratio 147 $31,315,000 $213,000 $755,000 $68,000 $240,000
Credit History 118 $19,320,000 $163,000 $755,000 $97,000 $891,000
Collateral 41 $9,625,000 $234,000 $815,000 $92,000 $240,000
Credit Application Incomplete 41 $4,375,000 $106,000 $385,000 $72,000 $256,000
Unverifiable Information 32 $5,370,000 $167,000 $905,000 $73,000 $377,000
Other 25 $5,205,000 $208,000 $905,000 $113,000 $900,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,740,000 $217,000 $445,000 $56,000 $89,000
Employment History 3 $635,000 $211,000 $375,000 $68,000 $106,000
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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