Clarke County, AL Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 1,593 mortgage applications in Clarke County, AL totaling $111.5 million. The average application was for $69,000, and applicants reported an average income of $51,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was First US Bank, with 274 applications, followed by Countrywide Home Loans and Abn Amro Mtg Group 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 | 1,593 |
| Total Mortgage Loan Application Amount | $111,474,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $393,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $843,000 |
* 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 US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 533,033,000 | 274 | $ 10,930,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 183 | $ 16,755,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 131 | $ 13,171,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 78 | $ 2,683,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 72 | $ 8,034,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 64 | $ 6,315,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 60 | $ 1,699,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 44,835,341,000 | 53 | $ 2,950,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 35 | $ 1,328,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 35 | $ 1,286,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 34 | $ 2,555,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 29 | $ 2,115,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 28 | $ 2,274,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 26 | $ 2,560,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 25 | $ 1,907,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 21 | $ 841,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 21 | $ 1,050,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,219,195,000 | 20 | $ 833,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 19 | $ 1,170,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 19 | $ 1,645,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 18 | $ 1,598,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 15 | $ 1,328,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 15 | $ 591,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 14 | $ 1,100,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 12 | $ 755,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 10 | $ 745,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 23,894,865,000 | 10 | $ 886,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 10 | $ 1,064,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 822,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 9 | $ 596,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 8 | $ 534,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 8 | $ 714,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 57,441,766,000 | 8 | $ 819,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 7 | $ 564,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 7 | $ 783,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 7 | $ 595,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 748,000 |
| Citimortgage, Inc 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 281,018,000,000 | 7 | $ 498,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 7 | $ 662,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 6 | $ 466,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 494,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 6 | $ 339,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 331,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 515,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 5 | $ 350,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 5 | $ 426,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 5 | $ 473,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 40,569,048,000 | 4 | $ 263,000 |
| Charterbank 1233 OG SKINNER DRIVE WEST POINT, GA 31833 |
* | $ 818,343,000 | 4 | $ 247,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 4 | $ 455,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,316,308,000 | 4 | $ 349,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 4 | $ 215,000 |
| Opteum Financial Services LLC WEST 115 CENTURY ROAD - 3RD FLOOR PARAMUS, NJ 07652 |
* | $ 10,000,000 | 4 | $ 327,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 4 | $ 263,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 6,983,369,000 | 4 | $ 370,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 3 | $ 214,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 3 | $ 87,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 3 | $ 165,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 3 | $ 248,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 3 | $ 314,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 206,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 3 | $ 222,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 3 | $ 202,000 |
| Emmco, LLC 113 REED AVENUE LEXINGTON, SC 29072 |
* | $ 10,000,000 | 3 | $ 195,000 |
| Colonial Bank, N.A. PO BOX 1108 - CORPORATE COMPLIANCE MONTGOMERY, AL 36101 |
* | $ 15,804,784,000 | 3 | $ 281,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 2 | $ 111,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 5,110,819,000 | 2 | $ 47,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 17,039,747,000 | 2 | $ 150,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 122,000 |
| First Community Bank 34 COURT STREET CHATOM, AL 36518 |
* | $ 239,887,000 | 2 | $ 75,000 |
| Jarvis Street Mortgage & Inv 137 PROMINENCE COURT, SUITE 120 DAWSONVILLE, GA 30534 |
* | $ 10,000,000 | 2 | $ 197,000 |
| Matrix Financial Services Corp 2133 WEST PEORIA AVE PHOENIX, AZ 85029 |
* | $ 1,138,000,000 | 2 | $ 146,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Mutual Savings Credit Union 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 105,670,000 | 1 | $ 103,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 1 | $ 116,000 |
| Market Street Mortgage Corp 2650 MCCORMICK DR, SUITE 200 CLEARWATER, FL 33759 |
* | $ 335,650,000 | 1 | $ 141,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 107,099,000 | 1 | $ 125,000 |
| The New York Mortgage Company 1301 AVENUE OF THE AMERICAS NEW YORK, NY 10019 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Tribeca Lending Corporation 101 HUDSON STREET 25TH FLOOR JERSEY CITY, NJ 07302 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 77,000 |
| Watermark Financial Partners 4582 S ULSTER ST, SUITE 300 DENVER, CO 80237 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,366,324,000 | 1 | $ 66,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 18,988,174,000 | 1 | $ 254,000 |
| Whitney National Bank 400 LABARRE ROAD, 3RD FLOOR JEFFERSON, LA 70121 |
* | $ 7,127,712,000 | 1 | $ 225,000 |
| Keybank USA, N.A. 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 8,943,095,000 | 1 | $ 60,000 |
| HSBC Bank, USA ONE HSBC CENTER/24TH FLOOR BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 1 | $ 15,000 |
| Homebound Mortgage 150 WATER TOWER CIR COLCHESTER, VT 05446 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 15,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 49,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 2,112,754,000 | 1 | $ 85,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 1 | $ 106,000 |
| First Federal Bank 1300 MCFARLAND BOULEVARD NE TUSCALOOSA, AL 35406 |
* | $ 116,623,000 | 1 | $ 44,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 65,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 1 | $ 18,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 40,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 77,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 56,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Americapital Funding Corp 3601 LORNA RIDGE DRIVE HOOVER, AL 35216 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 1 | $ 157,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 979,735,000 | 1 | $ 75,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ 455,986,000 | 1 | $ 19,000 |
| Banktrust 107 ST FRANCIS STREET MOBILE, AL 36602 |
* | $ 233,527,000 | 1 | $ 48,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 4,000 |
| Central Pacfic Mortgage 950 IRON POINT RD SUITE 200 FOLSOM, CA 95630 |
* | $ 31,000,000 | 1 | $ 90,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,430,439,000 | 1 | $ 92,000 |
| Commercial Federal Bank 11207 WEST DODGE ROAD 2ND FL OMAHA, NE 68154 |
* | $ 13,094,324,000 | 1 | $ 70,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 95,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Diversified Capital Cor of Tn 3350 PLAYERS CLUB PKWY #110 MEMPHIS, TN 38125 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Citizens Bank PO BOX 1900 ELIZABETHTON, TN 37644 |
* | $ 536,274,000 | 1 | $ 148,000 |
| CMG Mortgage, Inc. 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, CA 94583 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Coats & Co., Inc. 2000B SOUTHBRIDGE PARKWAY #200 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 23,205,467,000 | 1 | $ 10,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 1 | $ 47,000 |
The tables below break down 2003 mortgage applications in Clarke 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 Clarke County, AL in 2003
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 (home purchase or home improvement, one-to-four family) | 1,075 | $85,520,000 | $79,000 | $393,000 | $57,000 | $843,000 |
| Home Purchase (one-to-four family) | 457 | $24,503,000 | $53,000 | $268,000 | $42,000 | $216,000 |
| Home Improvement (one-to-four family) | 61 | $1,451,000 | $23,000 | $144,000 | $34,000 | $113,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 882 | $65,447,000 | $74,000 | $393,000 | $54,000 | $360,000 |
| Black | 389 | $20,808,000 | $53,000 | $210,000 | $44,000 | $240,000 |
| Information not provided by applicant in mail or telephone application | 190 | $16,269,000 | $85,000 | $366,000 | $58,000 | $360,000 |
| Not applicable | 101 | $5,776,000 | $57,000 | $185,000 | $0 | $0 |
| Other | 20 | $2,308,000 | $115,000 | $255,000 | $111,000 | $843,000 |
| Hispanic | 6 | $535,000 | $89,000 | $288,000 | $73,000 | $206,000 |
| Asian or Pacific Islander | 3 | $177,000 | $59,000 | $100,000 | $15,000 | $16,000 |
| American Indian or Alaskan Native | 2 | $154,000 | $77,000 | $90,000 | $58,000 | $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) | 1,556 | $109,092,000 | $70,000 | $393,000 | $53,000 | $843,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,442,000 | $60,000 | $147,000 | $23,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 13 | $940,000 | $72,000 | $129,000 | $19,000 | $55,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 722 | $49,249,000 | $68,000 | $393,000 | $56,000 | $360,000 |
| Application Denied By Financial Institution | 351 | $20,336,000 | $57,000 | $315,000 | $48,000 | $481,000 |
| Loan Purchased By The Institution | 248 | $19,222,000 | $77,000 | $240,000 | $38,000 | $220,000 |
| Application Withdrawn By Applicant | 130 | $11,311,000 | $87,000 | $366,000 | $53,000 | $843,000 |
| Application Approved But Not Accepted | 107 | $8,416,000 | $78,000 | $252,000 | $54,000 | $218,000 |
| File Closed For Incompleteness | 35 | $2,940,000 | $84,000 | $180,000 | $58,000 | $114,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 122 | $5,781,000 | $47,000 | $200,000 | $46,000 | $214,000 |
| Other | 48 | $3,494,000 | $72,000 | $255,000 | $56,000 | $481,000 |
| Debt-To-Income Ratio | 30 | $1,545,000 | $51,000 | $135,000 | $35,000 | $92,000 |
| Collateral | 15 | $910,000 | $60,000 | $169,000 | $37,000 | $85,000 |
| Credit Application Incomplete | 13 | $1,652,000 | $127,000 | $315,000 | $74,000 | $250,000 |
| Employment History | 4 | $157,000 | $39,000 | $62,000 | $37,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $47,000 | $47,000 | $47,000 | $37,000 | $37,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $336,000 | $336,000 |
| 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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