Chilton County, AL Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 2,032 mortgage applications in Chilton County, AL totaling $212.5 million, down 5% from 2010. The average application was for $104,000, and applicants reported an average income of $55,000. 39% of applications resulted in an originated loan and 27% were denied. The most active lender was Regions Bank, with 207 applications, followed by The Mortgage Outlet, Inc. and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 2,032
Total Mortgage Loan Application Amount $212,547,000
Average Mortgage Loan Application Amount $104,000
Highest Mortgage Loan Application Amount $3,765,000
Average Applicant Income $55,000
Highest Applicant Income $1,752,000

Mortgage Company List for Lending in Chilton County, AL for 2011

* 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
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 207 $ 20,432,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 182 $ 19,298,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 157 $ 17,812,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 120 $ 6,705,000
Peoples Southern Bank
P O BOX 269
CLANTON, AL 35045
* $ 144,316,000 105 $ 6,493,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 89 $ 4,427,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 74 $ 9,608,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 70 $ 8,747,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 66 $ 7,494,000
Peachtree Bank
P O BOX 39
MAPLESVIILLE, AL 36758
* $ 57,620,000 64 $ 3,646,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 59 $ 4,680,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 43 $ 5,498,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 34 $ 2,888,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 32 $ 3,996,000
Southfirst Bank
126 N NORTON AVENUE
SYLACAUGA, AL 35150
* $ 130,921,000 30 $ 4,097,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 29 $ 5,252,000
Central State Bank
PO BOX 180
CALERA, AL 35040
* $ 148,444,000 26 $ 1,872,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 1,959,467,000 23 $ 2,061,000
Mortgageamerica, Inc.
1800 INTERNATIONAL PARK DR, SUITE 100
BIRMINGHAM, AL 35243
* $ 10,000,000 23 $ 2,562,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 22 $ 2,705,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 20 $ 2,683,000
American Bank of Huntsville
3301 MEMORIAL PKWY SW
HUNTSVILLE, AL 35801
* $ 172,971,000 19 $ 3,245,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 19 $ 1,923,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 18 $ 2,240,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 18 $ 2,411,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 15 $ 1,756,000
Evabank
1710 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 376,850,000 15 $ 629,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 14 $ 2,524,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 12 $ 1,340,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 11 $ 1,657,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ 10,000,000 10 $ 1,118,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 10 $ 1,323,000
Acceptance Loan Company
121 WEST CHURCH STREET
JACKSON, AL 36545
* $ 70,000,000 10 $ 209,000
America's First Federal CU
1200 4TH AVENUE NORTH
BIRMINGHAM, AL 35203
* $ 1,102,513,000 10 $ 1,183,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 861,761,000 10 $ 823,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 9 $ 1,182,000
Hometown Mortgage Services Inc
5511 HWY 280 E STE 210
BIRMINGHAM, AL 35242
* $ 10,000,000 9 $ 1,086,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 8 $ 1,513,000
Mutual Savings Credit Union
2040 VALLEYDALE ROAD
BIRMINGHAM, AL 35244
* $ 172,720,000 8 $ 728,000
Banktrust
107 ST FRANCIS STREET
MOBILE, AL 36602
* $ 2,155,856,000 8 $ 488,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 8 $ 961,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 8 $ 1,229,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 8 $ 1,053,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 7 $ 224,000
First Federal Bank
1300 MCFARLAND BLVD NE
TUSCALOOSA, AL 35406
* $ 175,796,000 7 $ 819,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,362,287,000 7 $ 636,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 7 $ 981,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 6 $ 840,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 466,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 6 $ 66,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 1,279,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 6 $ 804,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 6 $ 502,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 6 $ 1,052,000
Southpoint Bank
3501 GRANDVIEW PARKWAY
BIRMINGHAM, AL 35243
* $ 291,558,000 6 $ 903,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 6 $ 690,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 6 $ 319,000
Bryant Bank
1550 MCFARLAND BLVD N
TUSCALOOSA, AL 35406
* $ 904,886,000 5 $ 250,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 62,638,180,000 5 $ 653,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 610,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 5 $ 710,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 5 $ 497,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 4 $ 619,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 484,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 1,942,629,000 4 $ 833,000
First US Bank
P O BOX 249
BIRMINGHAM, AL 35243
* $ 620,576,000 4 $ 90,000
Merchants and Farmers Bank
134 WEST WASHINGTON ST
KOSCIUSKO, MS 39090
* $ 1,599,283,000 4 $ 257,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 4 $ 332,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 3 $ 80,000
Aliant Bank
200 ALIANT PARKWAY
ALEXANDER CITY, AL 35010
* $ 904,828,000 3 $ 280,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 3 $ 227,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 3 $ 24,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 4,291,724,000 3 $ 472,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 1,935,266,000 3 $ 761,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 3 $ 404,000
Trustmark National Bank
PO BOX 291
JACKSON, MS 39205
* $ 9,425,755,000 3 $ 356,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 3 $ 760,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 3 $ 196,000
Gms Funding, LLC
824 MEETING STREET
WEST COLUMBIA, SC 29169
* $ 417,745,000 3 $ 499,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 309,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 3 $ 385,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 3 $ 502,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 3 $ 391,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 3 $ 434,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 143,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 359,000
Liberty Mortgage Corporation
200 WILLIAMSBURG OFFICE PARK
BIRMINGHAM, AL 35216
* $ 10,000,000 2 $ 374,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 2 $ 144,000
Castle Mortgage Corporation
701 MONTGOMERY HWY SOUTH SUITE 203
VESTAVIA HILLS, AL 35216
* $ 10,000,000 2 $ 352,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 299,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 373,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 2 $ 353,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 237,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 187,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 2 $ 91,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 2 $ 208,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 2 $ 206,000
First Community Bank of Central Alabama
715 WILSON ST
WETUMPKA, AL 36092
* $ 272,116,000 2 $ 214,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 2 $ 331,000
Legacy Community Federal Credit Union
1400 20TH STREET S
BIRMINGHAM, AL 35205
* $ 348,750,000 2 $ 64,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 2 $ 263,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 2 $ 292,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 159,000
Citifinancial Corporation,Llc
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 1 $ 25,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 192,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 197,000
National Bank of Commerce
813 SHADES CREEK PARKWAY SUITE 100
BIRMINGHAM, AL 35209
* $ 375,336,000 1 $ 358,000
Grandbridge Real Est Capital
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 74,000,000,000 1 $ 3,765,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 117,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 1 $ 120,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 83,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 74,000
Superior Bank
17 N 20TH STREET
BIRMINGHAM, AL 35203
* $ 3,010,027,000 1 $ 86,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 207,000
First Arkansas Bank and Trust
600 WEST MAIN STREET
JACKSONVILLE, AR 72076
* $ 685,506,000 1 $ 46,000
Primesouth Bank
301 MAIN STREET
TALLASSEE, AL 36078
* $ 156,789,000 1 $ 43,000
Peoples Bank of Alabama
1912 CHEROKEE AVE SW
CULLMAN, AL 35055
* $ 498,415,000 1 $ 189,000
First Bank of Georgia
2743 PERIMETER PKWY BLD 100, SUITE 100
AUGUSTA, GA 30909
* $ 495,223,000 1 $ 180,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 110,338,000 1 $ 141,000
West Alabama Bank & Trust
P O BOX 310
REFORM, AL 35481
* $ 576,624,000 1 $ 23,000
Robertson Banking Company
216 NORTH WALNUT AVE
DEMOPOLIS, AL 36732
* $ 234,245,000 1 $ 30,000
First Star Bank, S.S.B.
109 S COMMERCE / PO BOX 7
BREMOND, TX 76629
* $ 193,110,000 1 $ 80,000
Amerifirst Bank
8165 VAUGHN ROAD
MONTGOMERY, AL 36116
* $ 159,973,000 1 $ 66,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,068,872,000 1 $ 85,000
Jefferson Credit Union
5261 ROSS BRIDGE PARKWAY
HOOVER, AL 35226
* $ 63,864,000 1 $ 119,000
Guardian Credit Union
616 MADISON AVENUE
MONTGOMERY, AL 36104
* $ 204,519,000 1 $ 75,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 81,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 79,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 75,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 25,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 142,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 214,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 53,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 149,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 192,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 110,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 83,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 39,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 253,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 105,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 156,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 1 $ 185,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 1 $ 115,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 50,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 100,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ 10,000,000 1 $ 89,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 38,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 1,581,160,000 1 $ 163,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 84,000
Silverton Mortgage Specialists, Inc.
1201 PEACHTREE STREET NE STE 2050
ATLANTA, GA 30361
* $ 10,000,000 1 $ 155,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 162,000
Alabama One Credit Union
1215 VETERANS MEMORIAL PARKWAY
TUSCALOOSA, AL 35404
* $ 560,867,000 1 $ 80,000

The tables below break down 2011 mortgage applications in Chilton 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 Chilton 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 1,146 $144,559,000 $126,000 $3,765,000 $59,000 $1,752,000
Home Purchase 696 $61,856,000 $88,000 $492,000 $48,000 $635,000
Home Improvement 190 $6,132,000 $32,000 $374,000 $54,000 $183,000

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 1,637 $170,568,000 $104,000 $492,000 $60,000 $1,752,000
Not Provided 132 $14,170,000 $107,000 $559,000 $52,000 $363,000
Not applicable 121 $16,896,000 $139,000 $3,765,000 $8,000 $92,000
Black or African American 117 $8,699,000 $74,000 $244,000 $40,000 $153,000
Hispanic 14 $943,000 $67,000 $156,000 $43,000 $144,000
American Indian or Alaskan Native 4 $227,000 $56,000 $163,000 $58,000 $85,000
Asian 4 $582,000 $145,000 $225,000 $76,000 $207,000
Native Hawaiian or Other Pacific Islander 3 $462,000 $154,000 $234,000 $82,000 $130,000

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) 1,299 $129,717,000 $99,000 $3,765,000 $63,000 $1,752,000
FHA-insured (Federal Housing Administration) 577 $63,955,000 $110,000 $279,000 $40,000 $487,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 94 $10,399,000 $110,000 $218,000 $38,000 $68,000
VA-guaranteed (Veterans Administration) 62 $8,476,000 $136,000 $258,000 $46,000 $166,000

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 792 $84,647,000 $106,000 $3,765,000 $64,000 $635,000
Application Denied By Financial Institution 544 $49,623,000 $91,000 $559,000 $49,000 $1,752,000
Loan Purchased By The Institution 263 $30,895,000 $117,000 $417,000 $39,000 $498,000
Application Withdrawn By Applicant 207 $25,436,000 $122,000 $358,000 $59,000 $441,000
Application Approved But Not Accepted 171 $14,947,000 $87,000 $412,000 $54,000 $788,000
File Closed For Incompleteness 55 $6,999,000 $127,000 $300,000 $59,000 $260,000
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 116 $8,610,000 $74,000 $342,000 $46,000 $168,000
Debt-To-Income Ratio 59 $6,723,000 $113,000 $559,000 $44,000 $118,000
Collateral 38 $5,013,000 $131,000 $389,000 $64,000 $282,000
Other 22 $2,372,000 $107,000 $316,000 $57,000 $123,000
Credit Application Incomplete 18 $2,434,000 $135,000 $417,000 $152,000 $1,752,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,005,000 $111,000 $340,000 $56,000 $130,000
Unverifiable Information 6 $657,000 $109,000 $215,000 $56,000 $104,000
Employment History 3 $263,000 $87,000 $146,000 $38,000 $63,000
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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