Christian County, IL Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 924 mortgage applications in Christian County, IL totaling $112.0 million, up 28% from 2024. The average application was for $121,000, and applicants reported an average income of $91,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was First National Bank of Pana, with 77 applications, followed by Regions Bank and Diamond Residential Mtg Corp.
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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 | 924 |
| Total Mortgage Loan Application Amount | $112,040,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,098,000 |
* 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 National Bank of Pana 306 S. LOCUST ST. PANA, IL 62557 |
* | $ n/a | 77 | $ 11,355,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 65 | $ 6,105,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ n/a | 38 | $ 4,990,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 37 | $ 5,195,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 35 | $ 3,345,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 33 | $ 4,895,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ n/a | 30 | $ 3,670,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 29 | $ 3,245,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 24 | $ 2,890,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 22 | $ 2,750,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 22 | $ 1,840,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ n/a | 22 | $ 2,120,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ n/a | 22 | $ 2,160,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 18 | $ 2,550,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ n/a | 17 | $ 2,945,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 15 | $ 965,000 |
| Heartland Credi T Union 2213 W WHITE OAKS DR SPRINGFEILD, IL 62704 |
* | $ n/a | 14 | $ 1,310,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 13 | $ 2,115,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ n/a | 12 | $ 1,900,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 12 | $ 2,470,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 11 | $ 1,355,000 |
| First National Bank of Raymond 403 E. BROAD ST. RAYMOND, IL 62558 |
* | $ n/a | 11 | $ 535,000 |
| Alliance Community Bank 200 N WEST ST, PO BOX 319 PETERSBURG, IL 62675 |
* | $ n/a | 10 | $ 1,220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 675,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 9 | $ 275,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 1,495,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 8 | $ 1,170,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 8 | $ 370,000 |
| Affordable Mortgage Advisors 4640 CAMPBELLS RUN ROAD PITTSBURGH, PA 15205 |
* | $ n/a | 8 | $ 760,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 8 | $ 530,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ n/a | 7 | $ 435,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 7 | $ 565,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 675,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 790,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 210,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 6 | $ 1,000,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 695,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 5 | $ 355,000 |
| Bank & Trust Company 401 N MADISON LITCHFIELD, IL 62056 |
* | $ n/a | 5 | $ 535,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 535,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 235,000 |
| Hickory Point Bank & Trust 225 N WATER STREET DECATUR, IL 62525 |
* | $ n/a | 5 | $ 905,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 475,000 |
| Warren Boynton State Bank 702 W ILLINOIS ST, PO BOX 19 NEW BERLIN, IL 62670 |
* | $ n/a | 5 | $ 1,005,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 415,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 850,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 630,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 570,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 890,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 400,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 4 | $ 780,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 600,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,040,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ n/a | 3 | $ 235,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 615,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 215,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 3 | $ 435,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 3 | $ 675,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 305,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 325,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 3 | $ 145,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 495,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ n/a | 3 | $ 325,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 275,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ n/a | 2 | $ 360,000 |
| Decatur Earthmover Credit Union 260 WEST MARION AVENUE FORSYTH, IL 62535 |
* | $ n/a | 2 | $ 80,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ n/a | 2 | $ 90,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ n/a | 2 | $ 90,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 290,000 |
| Buena Vista National Bank 1309 SWANWICK STREET CHESTER, IL 62233 |
* | $ n/a | 2 | $ 240,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 170,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 460,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 2 | $ 360,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 2 | $ 440,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ n/a | 2 | $ 270,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 140,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 2 | $ 170,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 110,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 300,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 220,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 2 | $ 100,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ n/a | 2 | $ 50,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 2 | $ 250,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ n/a | 2 | $ 50,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 110,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ n/a | 2 | $ 350,000 |
| Scott State Bank 101 WEST MAIN STREET BETHANY, IL 61914 |
* | $ n/a | 2 | $ 160,000 |
| Longview Bank PO BOX 47 102 SOUTH EAST AVENUE OGDEN, IL 61859 |
* | $ n/a | 1 | $ 55,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 75,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 135,000 |
| Bank of Pontiac 300 W WASHINGTON ST PONTIAC, IL 61764 |
* | $ n/a | 1 | $ 55,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 275,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 45,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ n/a | 1 | $ 75,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 105,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 85,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 155,000 |
| Providence Bank & Trust 630 EAST 162ND ST SOUTH HOLLAND, IL 60473 |
* | $ n/a | 1 | $ 805,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 1 | $ 25,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 105,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 55,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 95,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ n/a | 1 | $ 25,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ n/a | 1 | $ 65,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 275,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 185,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 275,000 |
| Country Bank for Savings 75 MAIN ST WARE, MA 01082 |
* | $ n/a | 1 | $ 45,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 95,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 1 | $ 305,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 215,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 215,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 255,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 85,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 145,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 115,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ n/a | 1 | $ 295,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 105,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ n/a | 1 | $ 225,000 |
The tables below break down 2025 mortgage applications in Christian County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Christian County, IL 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 | 536 | $73,230,000 | $136,000 | $525,000 | $86,000 | $447,000 |
| Cash-out Refinancing | 121 | $15,515,000 | $128,000 | $355,000 | $86,000 | $256,000 |
| Refinancing | 103 | $15,375,000 | $149,000 | $805,000 | $108,000 | $274,000 |
| Other Purpose | 84 | $3,960,000 | $47,000 | $185,000 | $104,000 | $1,098,000 |
| Home Improvement | 78 | $3,880,000 | $49,000 | $145,000 | $100,000 | $285,000 |
| Not Applicable | 2 | $80,000 | $40,000 | $45,000 | $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 | 722 | $85,570,000 | $118,000 | $525,000 | $92,000 | $1,098,000 |
| Not applicable | 105 | $15,735,000 | $149,000 | $805,000 | $85,000 | $144,000 |
| Not Provided | 56 | $6,230,000 | $111,000 | $355,000 | $87,000 | $234,000 |
| Hispanic | 18 | $2,270,000 | $126,000 | $315,000 | $77,000 | $211,000 |
| Black or African American | 12 | $1,260,000 | $105,000 | $255,000 | $71,000 | $107,000 |
| American Indian or Alaskan Native | 5 | $385,000 | $77,000 | $165,000 | $47,000 | $62,000 |
| Asian | 5 | $525,000 | $105,000 | $145,000 | $120,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $57,000 | $57,000 |
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) | 570 | $58,720,000 | $103,000 | $805,000 | $99,000 | $1,098,000 |
| FHA-insured (Federal Housing Administration) | 180 | $24,520,000 | $136,000 | $355,000 | $69,000 | $191,000 |
| VA-guaranteed (Veterans Administration) | 100 | $20,860,000 | $208,000 | $435,000 | $97,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $7,940,000 | $107,000 | $225,000 | $59,000 | $114,000 |
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 | 553 | $68,935,000 | $124,000 | $805,000 | $96,000 | $1,098,000 |
| Application Denied By Financial Institution | 131 | $12,895,000 | $98,000 | $345,000 | $80,000 | $445,000 |
| Application Withdrawn By Applicant | 98 | $11,910,000 | $121,000 | $435,000 | $87,000 | $256,000 |
| Loan Purchased By The Institution | 98 | $13,440,000 | $137,000 | $355,000 | $69,000 | $144,000 |
| File Closed For Incompleteness | 28 | $3,020,000 | $107,000 | $325,000 | $86,000 | $191,000 |
| Application Approved But Not Accepted | 16 | $1,840,000 | $115,000 | $255,000 | $92,000 | $285,000 |
| 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 | 690 | $84,930,000 | $123,000 | $805,000 | $89,000 | $1,098,000 |
| Debt-To-Income Ratio | 123 | $16,595,000 | $134,000 | $455,000 | $109,000 | $447,000 |
| Credit History | 52 | $4,100,000 | $78,000 | $275,000 | $80,000 | $445,000 |
| Collateral | 25 | $2,525,000 | $101,000 | $335,000 | $74,000 | $198,000 |
| Other | 12 | $1,530,000 | $127,000 | $345,000 | $93,000 | $190,000 |
| Credit Application Incomplete | 10 | $1,010,000 | $101,000 | $255,000 | $104,000 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,010,000 | $168,000 | $255,000 | $109,000 | $321,000 |
| Unverifiable Information | 5 | $275,000 | $55,000 | $105,000 | $52,000 | $86,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $64,000 | $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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