Claiborne County, TN Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,367 mortgage applications in Claiborne County, TN totaling $258.8 million, up 19% from 2024. The average application was for $189,000, and applicants reported an average income of $88,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 270 applications, followed by Hearthside Bank Corporation and Commercial Bank.

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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 1,367
Total Mortgage Loan Application Amount $258,815,000
Average Mortgage Loan Application Amount $189,000
Highest Mortgage Loan Application Amount $1,425,000
Average Applicant Income $88,000
Highest Applicant Income $1,200,000

Mortgage Company List for Lending in Claiborne County, TN 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 270 $ 35,420,000
Hearthside Bank Corporation
1602 CUMBERLAND AVENUE
MIDDLESBORO, KY 40965
* $ n/a 50 $ 10,700,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ n/a 46 $ 8,020,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 40 $ 9,540,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 40 $ 7,060,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 34 $ 4,480,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 34 $ 9,130,000
First Century Bank
1780 NORTH BROAD STREET
TAZEWELL, TN 37879
* $ n/a 32 $ 4,830,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 30 $ 4,510,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ n/a 29 $ 5,025,000
Y-12 Federal Credit Union
501 LAFAYETTE DR
OAK RIDGE, TN 37830
* $ n/a 27 $ 3,175,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 27 $ 5,955,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 23 $ 5,795,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 23 $ 6,925,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 23 $ 7,055,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 21 $ 4,615,000
Enrichment Federal Credit Unio
PO BOX 883
OAK RIDGE, TN 37831
* $ n/a 19 $ 4,355,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 17 $ 3,755,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 17 $ 2,465,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 15 $ 3,685,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 14 $ 1,700,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 14 $ 2,670,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 13 $ 1,955,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 11 $ 1,705,000
Ornl Federal Credit Union
221 SOUTH RUTGERS AVENUE
OAK RIDGE, TN 37830
* $ n/a 11 $ 3,105,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 11 $ 1,735,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 11 $ 2,275,000
Peoples Bank of the South
106 WEST CENTRAL AVENUE
LA FOLLETTE, TN 37766
* $ n/a 10 $ 1,030,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 10 $ 1,930,000
First State Bank of the Southeast

OAK RIDGE, TN 37830
* $ n/a 10 $ 2,920,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 9 $ 2,345,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 9 $ 1,865,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 9 $ 2,725,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 9 $ 2,625,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 9 $ 1,255,000
Knoxville Tva Employees Credit Union
301 WALL AVE
KNOXVILLE, TN 37932
* $ n/a 8 $ 590,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 8 $ 1,500,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 8 $ 1,580,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 8 $ 1,060,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 7 $ 1,125,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 1,825,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 7 $ 1,005,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 7 $ 495,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 7 $ 1,185,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 7 $ 1,795,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 1,465,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 7 $ 1,385,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 7 $ 975,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 7 $ 625,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 6 $ 1,130,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 6 $ 1,340,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 6 $ 280,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 1,220,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 6 $ 1,050,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 5 $ 505,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 5 $ 1,045,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 1,005,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 855,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 5 $ 1,405,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 4 $ 780,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 4 $ 760,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 900,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 4 $ 1,120,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 4 $ 210,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 4 $ 840,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 3 $ 805,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 3 $ 655,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 3 $ 1,005,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 3 $ 785,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 585,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 3 $ 1,025,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 3 $ 735,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 3 $ 1,265,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 100,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 2 $ 680,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 2 $ 120,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 400,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 2 $ 220,000
Consumer Credit Union
3634 E. ANDREW JOHNSON HIGHWAY
GREENEVILLE, TN 37745
* $ n/a 2 $ 630,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 2 $ 340,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 430,000
Citizes Bank & Trust Company of Grainger County
8335 RUTLEDGE PIKE
RUTLEDGE, TN 37861
* $ n/a 2 $ 450,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 2 $ 620,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 320,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 330,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 2 $ 520,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 730,000
Builtwell Bank
728 BROAD STREET
CHATTANOOGA, TN 37402
* $ n/a 2 $ 60,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 2 $ 170,000
3rd Street Financial Corp
6964 TYLERSVILLE RD B
WEST CHESTER, OH 45069
* $ n/a 2 $ 510,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 430,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 310,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 2 $ 610,000
Countybank
425 MAIN STREET
GREENWOOD, SC 29648
* $ n/a 2 $ 660,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 2 $ 810,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 2 $ 590,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 2 $ 610,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 390,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 2 $ 850,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 2 $ 670,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 2 $ 690,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 610,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 2 $ 930,000
Home Federal Bank of Tennessee
515 MARKET STREET
KNOXVILLE, TN 37902
* $ n/a 2 $ 240,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 310,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 515,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 1 $ 445,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 225,000
Saxton Mortgage, LLC
9191 TOWNE CENTRE DRIVE SUITE 400
SAN DIEGO, CA 92122
* $ n/a 1 $ 65,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 35,000
First National Bank of Oneida
P.O. BOX 950
ONEIDA, TN 37841
* $ n/a 1 $ 95,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 425,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 325,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 55,000
Onward Home Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ n/a 1 $ 445,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 175,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 285,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 1 $ 1,125,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ n/a 1 $ 45,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 35,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 145,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 115,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 125,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 315,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ n/a 1 $ 15,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 215,000
Metroplex Mortgage Services
8622 N HIMES AVE
TAMPA, FL 33614
* $ n/a 1 $ 265,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 745,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 265,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 215,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 355,000
First South Financial Federal Credit Union
6471 STAGE RD, STE 101
BARTLETT, TN 38134
* $ n/a 1 $ 135,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 375,000
Farmers and Miners Bank
41526 W MORGAN AVENUE
PENNINGTON GAP, VA 24277
* $ n/a 1 $ 35,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 165,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 605,000
Case Credit Union
PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE
LANSING, MI 48909
* $ n/a 1 $ 25,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 1 $ 725,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 195,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ n/a 1 $ 55,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 175,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 725,000
Tnconnect Credit Union
6211 MIDDLEBROOK PIKE
KNOXVILLE, TN 37909
* $ n/a 1 $ 65,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 225,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 1 $ 95,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 105,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 85,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 125,000
CU Community, LLC
2077 TOWN CENTER BOULEVARD
KNOXVILLE, TN 37922
* $ n/a 1 $ 265,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 275,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 175,000
Ut Federal Credit Union
2100 WHITE AVENUE
KNOXVILLE, TN 37919
* $ n/a 1 $ 25,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 175,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 105,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 1 $ 15,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 1 $ 15,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 275,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 105,000

The tables below break down 2025 mortgage applications in Claiborne County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Claiborne County, TN 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 892 $173,840,000 $194,000 $1,425,000 $87,000 $1,200,000
Cash-out Refinancing 195 $38,415,000 $197,000 $855,000 $75,000 $348,000
Refinancing 165 $38,145,000 $231,000 $735,000 $106,000 $528,000
Other Purpose 74 $5,570,000 $75,000 $405,000 $98,000 $681,000
Home Improvement 39 $2,795,000 $71,000 $305,000 $91,000 $200,000
Not Applicable 2 $50,000 $25,000 $35,000 $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 1,107 $197,335,000 $178,000 $855,000 $86,000 $1,200,000
Not applicable 113 $27,095,000 $239,000 $725,000 $109,000 $229,000
Not Provided 93 $20,785,000 $223,000 $1,425,000 $86,000 $321,000
Hispanic 19 $4,835,000 $254,000 $615,000 $122,000 $438,000
American Indian or Alaskan Native 15 $2,775,000 $185,000 $335,000 $68,000 $132,000
Black or African American 13 $2,705,000 $208,000 $705,000 $116,000 $420,000
Asian 6 $3,070,000 $511,000 $1,125,000 $273,000 $723,000
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $60,000 $60,000

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 $156,110,000 $166,000 $1,425,000 $92,000 $1,200,000
FHA-insured (Federal Housing Administration) 219 $45,175,000 $206,000 $455,000 $67,000 $197,000
VA-guaranteed (Veterans Administration) 160 $46,870,000 $292,000 $725,000 $90,000 $415,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 50 $10,660,000 $213,000 $315,000 $74,000 $141,000

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 571 $119,105,000 $208,000 $1,125,000 $104,000 $723,000
Application Denied By Financial Institution 340 $48,720,000 $143,000 $745,000 $68,000 $348,000
File Closed For Incompleteness 159 $24,755,000 $155,000 $455,000 $66,000 $297,000
Application Withdrawn By Applicant 154 $33,050,000 $214,000 $755,000 $97,000 $1,200,000
Loan Purchased By The Institution 97 $24,175,000 $249,000 $725,000 $99,000 $229,000
Application Approved But Not Accepted 43 $8,335,000 $193,000 $1,425,000 $93,000 $265,000
Preapproval Approved but not Accepted 2 $430,000 $215,000 $235,000 $152,000 $235,000
Preapproval Denied by Financial Institution 1 $245,000 $245,000 $245,000 $89,000 $89,000

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 934 $191,950,000 $205,000 $1,425,000 $93,000 $1,200,000
Debt-To-Income Ratio 164 $30,770,000 $187,000 $755,000 $94,000 $638,000
Credit History 139 $17,385,000 $125,000 $385,000 $63,000 $237,000
Unverifiable Information 44 $6,270,000 $142,000 $315,000 $63,000 $152,000
Collateral 37 $5,155,000 $139,000 $415,000 $86,000 $330,000
Credit Application Incomplete 26 $3,820,000 $146,000 $335,000 $65,000 $144,000
Other 16 $2,360,000 $147,000 $325,000 $99,000 $190,000
Insufficient Cash (Downpayment, Closing Cost) 6 $990,000 $165,000 $255,000 $72,000 $152,000
Employment History 1 $115,000 $115,000 $115,000 $30,000 $30,000
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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