Chowan County, NC Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 834 mortgage applications in Chowan County, NC totaling $142.7 million, up 38% from 2019. The average application was for $171,000, and applicants reported an average income of $98,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was State Employees' Credit Union, with 114 applications, followed by Truist Bank and Cornerstone Home Lending, 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 | 834 |
| Total Mortgage Loan Application Amount | $142,720,000 |
| Average Mortgage Loan Application Amount | $171,000 |
| Highest Mortgage Loan Application Amount | $885,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $1,226,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 41,376,687,000 | 114 | $ 13,500,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 82 | $ 14,660,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 53 | $ 11,785,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 2,925,504,000 | 50 | $ 8,770,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 46 | $ 4,430,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 30 | $ 5,590,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 28 | $ 3,420,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 25 | $ 4,425,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 18 | $ 2,880,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 3,380,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 14 | $ 2,360,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 279,086,000 | 14 | $ 2,900,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 11,947,775,000 | 12 | $ 2,660,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,415,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 10 | $ 1,540,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 9 | $ 1,915,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 9 | $ 1,475,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,785,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 995,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 2,234,264,000 | 9 | $ 1,045,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 8 | $ 2,130,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 7 | $ 1,405,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 665,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,535,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,065,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 34,531,413,000 | 6 | $ 1,300,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 6 | $ 570,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,460,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 6 | $ 840,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 655,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 5 | $ 525,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 5 | $ 1,105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 5 | $ 815,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 4 | $ 1,160,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 4 | $ 460,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 4 | $ 900,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 4 | $ 1,110,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 375,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 3 | $ 895,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 3 | $ 895,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 3 | $ 595,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 3 | $ 865,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 405,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 959,563,000 | 3 | $ 605,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 3 | $ 345,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 3,115,798,000 | 3 | $ 545,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 3 | $ 425,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 400,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 2 | $ 340,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 2 | $ 220,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 270,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 290,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 2 | $ 580,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 2 | $ 420,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 340,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 410,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 340,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 40,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 340,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 2 | $ 280,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 2 | $ 400,000 |
| Towne Mortgage 3 COMMERCIAL PLACE STE 1440 NORFOLK, VA 23510 |
* | $ -1,000 | 2 | $ 260,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 1 | $ 205,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 165,000 |
| Austin Capital Bank SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 139,109,000 | 1 | $ 205,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 275,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 165,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 6,144,669,000 | 1 | $ 255,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 365,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 145,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 165,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,100,500,000 | 1 | $ 275,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 445,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 39,787,666,000 | 1 | $ 165,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 3,387,042,000 | 1 | $ 85,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 65,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 1,396,934,000 | 1 | $ 315,000 |
| Abnb Federal Credit Union 830 GREENBRIER CIRCLE CHESAPEAKE, VA 23320 |
* | $ 650,923,000 | 1 | $ 55,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 255,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 165,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 335,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 1 | $ 125,000 |
| Newtowne Mortgage, LLC 600 22ND STREET SUITE 301 SUFFOLK, VA 23451 |
* | $ -1,000 | 1 | $ 385,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 55,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 2,711,723,000 | 1 | $ 135,000 |
| Signature Mortgage Corporation 4790 DOUGLAS CIRCLE NW CANTON, OH 44718 |
* | $ -1,000 | 1 | $ 85,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 21,759,565,000 | 1 | $ 5,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 325,000 |
| Weyco Community Credit Union PO BOX 69 PLYMOUTH, NC 27962 |
* | $ 71,499,000 | 1 | $ 105,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 3,255,099,000 | 1 | $ 255,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 1 | $ 215,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 185,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 205,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 195,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ 2,173,636,000 | 1 | $ 75,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 515,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 125,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 1,636,541,000 | 1 | $ 75,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,924,103,000 | 1 | $ 515,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 135,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 135,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 805,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 15,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 355,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 394,658,000 | 1 | $ 135,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 3,036,714,000 | 1 | $ 225,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ -1,000 | 1 | $ 255,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 105,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 885,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ -1,000 | 1 | $ 135,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 205,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 1,048,158,000 | 1 | $ 105,000 |
The tables below break down 2020 mortgage applications in Chowan County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Chowan County, NC in 2020
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 | 378 | $68,070,000 | $180,000 | $855,000 | $86,000 | $452,000 |
| Refinancing | 304 | $55,880,000 | $183,000 | $885,000 | $105,000 | $608,000 |
| Cash-out Refinancing | 69 | $12,585,000 | $182,000 | $505,000 | $97,000 | $573,000 |
| Home Improvement | 37 | $2,315,000 | $62,000 | $205,000 | $117,000 | $872,000 |
| Other Purpose | 35 | $2,685,000 | $76,000 | $185,000 | $140,000 | $1,226,000 |
| Not Applicable | 11 | $1,185,000 | $107,000 | $185,000 | $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 | 563 | $101,345,000 | $180,000 | $885,000 | $103,000 | $872,000 |
| Black or African American | 106 | $11,460,000 | $108,000 | $475,000 | $65,000 | $382,000 |
| Not Provided | 96 | $17,740,000 | $184,000 | $855,000 | $103,000 | $1,226,000 |
| Not applicable | 46 | $7,810,000 | $169,000 | $505,000 | $111,000 | $333,000 |
| Hispanic | 11 | $2,285,000 | $207,000 | $425,000 | $136,000 | $410,000 |
| Asian | 6 | $1,450,000 | $241,000 | $385,000 | $76,000 | $94,000 |
| American Indian or Alaskan Native | 5 | $485,000 | $97,000 | $115,000 | $33,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $70,000 | $70,000 |
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) | 608 | $104,070,000 | $171,000 | $885,000 | $105,000 | $1,226,000 |
| VA-guaranteed (Veterans Administration) | 115 | $22,905,000 | $199,000 | $475,000 | $76,000 | $200,000 |
| FHA-insured (Federal Housing Administration) | 85 | $11,885,000 | $139,000 | $335,000 | $62,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $3,860,000 | $148,000 | $345,000 | $50,000 | $88,000 |
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 | 472 | $85,370,000 | $180,000 | $555,000 | $111,000 | $1,226,000 |
| Application Denied By Financial Institution | 128 | $16,580,000 | $129,000 | $805,000 | $65,000 | $395,000 |
| Application Withdrawn By Applicant | 106 | $18,840,000 | $177,000 | $885,000 | $82,000 | $316,000 |
| File Closed For Incompleteness | 57 | $8,955,000 | $157,000 | $515,000 | $75,000 | $608,000 |
| Loan Purchased By The Institution | 56 | $10,600,000 | $189,000 | $515,000 | $134,000 | $413,000 |
| Application Approved But Not Accepted | 15 | $2,375,000 | $158,000 | $455,000 | $94,000 | $452,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 704 | $125,900,000 | $178,000 | $885,000 | $104,000 | $1,226,000 |
| Debt-To-Income Ratio | 45 | $5,795,000 | $128,000 | $415,000 | $69,000 | $442,000 |
| Credit History | 31 | $3,235,000 | $104,000 | $805,000 | $58,000 | $354,000 |
| Collateral | 17 | $2,435,000 | $143,000 | $315,000 | $82,000 | $129,000 |
| Credit Application Incomplete | 16 | $2,920,000 | $182,000 | $275,000 | $63,000 | $118,000 |
| Other | 10 | $1,060,000 | $106,000 | $195,000 | $85,000 | $395,000 |
| Unverifiable Information | 7 | $985,000 | $140,000 | $215,000 | $61,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $390,000 | $97,000 | $135,000 | $74,000 | $215,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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