Clay County, AL Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 818 mortgage applications in Clay County, AL totaling $56.5 million. The average application was for $69,000, and applicants reported an average income of $47,000. 38% of applications resulted in an originated loan and 28% were denied. The most active lender was Colonial Bank, N.A., with 81 applications, followed by South Trust Bank and Rbmg, 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 | 818 |
| Total Mortgage Loan Application Amount | $56,536,000 |
| Average Mortgage Loan Application Amount | $69,000 |
| Highest Mortgage Loan Application Amount | $349,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| Colonial Bank, N.A. PO BOX 1108 - CORPORATE COMPLIANCE MONTGOMERY, AL 36101 |
* | $ 15,804,784,000 | 81 | $ 4,757,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 60 | $ 2,564,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 48 | $ 4,454,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 37 | $ 3,410,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 37 | $ 3,149,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 27 | $ 1,636,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 25 | $ 1,676,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 25 | $ 1,180,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 23 | $ 2,415,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 21 | $ 1,284,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 21 | $ 613,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 19 | $ 1,240,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 19 | $ 696,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 724,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 16 | $ 1,400,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,219,195,000 | 14 | $ 570,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 13 | $ 1,022,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 12 | $ 403,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 44,835,341,000 | 12 | $ 971,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 17,342,936,000 | 12 | $ 993,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 11 | $ 1,031,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 10 | $ 942,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 10 | $ 1,031,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 40,569,048,000 | 10 | $ 888,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,316,308,000 | 9 | $ 540,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 8 | $ 472,000 |
| First American Bank POST OFFICE BOX 2203 DECATUR, AL 35609 |
* | $ 769,660,000 | 8 | $ 741,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 7 | $ 682,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 7 | $ 537,000 |
| Aliant Bank 200 ALIANT PARKWAY ALEXANDER CITY, AL 35010 |
* | $ 687,725,000 | 6 | $ 316,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 6 | $ 380,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 598,000 |
| Emmco, LLC 113 REED AVENUE LEXINGTON, SC 29072 |
* | $ 10,000,000 | 5 | $ 328,000 |
| Crossroads Mortgage, Inc. 850 RIDGELAKE BLVD SUITE 250 MEMPHIS, TN 38120 |
* | $ 10,000,000 | 5 | $ 392,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 302,000 |
| Associates Housing Finance 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 1,097,190,000,000 | 5 | $ 146,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 5 | $ 375,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 4 | $ 172,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 309,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 405,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 4 | $ 337,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 365,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 496,972,000 | 4 | $ 303,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 23,894,865,000 | 4 | $ 289,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 4 | $ 461,000 |
| Frontier Bank 401 VERNON STREET LAGRANGE, GA 30240 |
* | $ 288,990,000 | 4 | $ 145,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 4 | $ 190,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 300,313,000 | 4 | $ 264,000 |
| Heritage South FCU 901 NORTH BROADWAY AVENUE SYLACAUGA, AL 35150 |
* | $ 46,717,000 | 3 | $ 125,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 3 | $ 159,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 3 | $ 191,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 3 | $ 257,000 |
| Citizens Bk & Tst of West Ga PO BOX 2127 CARROLLTON, GA 30117 |
* | $ 459,582,000 | 3 | $ 219,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 3 | $ 211,000 |
| Americapital Funding Corp 3601 LORNA RIDGE DRIVE HOOVER, AL 35216 |
* | $ 10,000,000 | 3 | $ 216,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 309,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 3 | $ 308,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 3 | $ 191,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 3 | $ 397,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 252,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 175,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 3 | $ 224,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 3 | $ 261,000 |
| Mutual Savings Credit Union 2040 VALLEYDALE ROAD BIRMINGHAM, AL 35244 |
* | $ 105,670,000 | 3 | $ 103,000 |
| National Bank of Commerce 1927 1ST AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 1,283,862,000 | 2 | $ 227,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 2 | $ 137,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 125,000 |
| The Bank 17 NORTH 20TH STREET BIRMINGHAM, AL 35203 |
* | $ 1,394,036,000 | 2 | $ 167,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 2 | $ 16,000 |
| Aod Federal Credit Union 334 VICTORY DRIVE BYNUM, AL 36253 |
* | $ 119,252,000 | 2 | $ 150,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 2 | $ 130,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 147,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 2 | $ 211,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 2 | $ 116,000 |
| Homebound Mortgage 150 WATER TOWER CIR COLCHESTER, VT 05446 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 57,441,766,000 | 1 | $ 92,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 70,000 |
| 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 | $ 48,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 1 | $ 100,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 79,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 2,112,754,000 | 1 | $ 58,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 2,300,104,000 | 1 | $ 123,000 |
| Dfb Mortgage, Inc. 8444 CAMPBELLTON STREET DOUGLASVILLE, GA 30134 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Diversified Capital Cor of Tn 3350 PLAYERS CLUB PKWY #110 MEMPHIS, TN 38125 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Douglas County Bank 6157 FAIRBURN RD DOUGLASVILLE, GA 30134 |
* | $ 189,698,000 | 1 | $ 25,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Alatrust Credit Union 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 76,345,000 | 1 | $ 68,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 45,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 1 | $ 125,000 |
| Amerisave Mortgage 3525 PIEDMONT RD BLDG 6 SUITE 7 ATLANTA, GA 30305 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 23,000 |
| All Fund Mortgage 8808 PACIFIC AVE. TACOMA, WA 98444 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Aliant Mortgage Company 200 ALIANT PARKWAY ALEXANDER CITY, AL 35011 |
* | $ 687,725,000 | 1 | $ 135,000 |
| American Freedom Mortgage, Inc 2211 NEWMARKET PARKWAY, SUITE 130 MARIETTA, GA 30067 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Crescent Mortgage Company 115 PERIMETER CENTER PLACE STE 285 ATLANTA, GA 30346 |
* | $ 561,042,000 | 1 | $ 140,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 1 | $ 7,000 |
| Continental Capital Corp 290 BROADWAY ROAD, SUITE 201 MELVILLE, NY 11747 |
* | $ 863,473,000 | 1 | $ 7,000 |
| Continental Capital Corp 290 BROADHOLLOW ROAD 2ND FLOOR EAST MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Cheaha Bank 1320 HIGHWAY DRIVE OXFORD, AL 36203 |
* | $ 65,580,000 | 1 | $ 15,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 1 | $ 82,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Champion Enterprise 10801 MASTIN DRIVE OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 1 | $ 49,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 82,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 176,049,792,000 | 1 | $ 48,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 12,348,756,000 | 1 | $ 85,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 58,000 |
| One Source Mortgage, L.L.C. 1720 S EDMONDS LANE, STE 8 LEWISVILLE, TX 75067 |
* | $ 10,000,000 | 1 | $ 37,000 |
| Peoples Bank & Trust Co 310 BROAD STREET SELMA, AL 36701 |
* | $ 739,873,000 | 1 | $ 25,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 300,000 |
| Metropolitan National Bank 425 WEST CAPITOL AVE LITTLE ROCK, AR 72201 |
* | $ 784,507,000 | 1 | $ 86,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 1 | $ 64,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 84,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 1 | $ 100,000 |
The tables below break down 2003 mortgage applications in Clay 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 Clay 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) | 555 | $43,605,000 | $78,000 | $349,000 | $51,000 | $600,000 |
| Home Purchase (one-to-four family) | 194 | $11,478,000 | $59,000 | $229,000 | $39,000 | $250,000 |
| Home Improvement (one-to-four family) | 69 | $1,453,000 | $21,000 | $76,000 | $43,000 | $102,000 |
| 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 | 567 | $40,995,000 | $72,000 | $349,000 | $49,000 | $600,000 |
| Information not provided by applicant in mail or telephone application | 137 | $9,828,000 | $71,000 | $300,000 | $47,000 | $170,000 |
| Black | 74 | $3,111,000 | $42,000 | $160,000 | $38,000 | $504,000 |
| Not applicable | 32 | $2,109,000 | $65,000 | $177,000 | $14,000 | $80,000 |
| Other | 3 | $218,000 | $72,000 | $75,000 | $193,000 | $480,000 |
| Hispanic | 2 | $65,000 | $32,000 | $34,000 | $19,000 | $20,000 |
| American Indian or Alaskan Native | 2 | $204,000 | $102,000 | $170,000 | $27,000 | $32,000 |
| Asian or Pacific Islander | 1 | $6,000 | $6,000 | $6,000 | $18,000 | $18,000 |
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) | 793 | $54,621,000 | $68,000 | $349,000 | $48,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 12 | $885,000 | $73,000 | $151,000 | $22,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 12 | $946,000 | $78,000 | $94,000 | $59,000 | $504,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $84,000 | $84,000 | $84,000 | $38,000 | $38,000 |
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 | 312 | $22,627,000 | $72,000 | $349,000 | $55,000 | $504,000 |
| Application Denied By Financial Institution | 233 | $13,589,000 | $58,000 | $270,000 | $44,000 | $600,000 |
| Loan Purchased By The Institution | 87 | $6,791,000 | $78,000 | $177,000 | $34,000 | $129,000 |
| Application Withdrawn By Applicant | 80 | $6,475,000 | $80,000 | $323,000 | $47,000 | $465,000 |
| Application Approved But Not Accepted | 75 | $4,474,000 | $59,000 | $180,000 | $41,000 | $87,000 |
| File Closed For Incompleteness | 31 | $2,580,000 | $83,000 | $210,000 | $51,000 | $84,000 |
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 | 67 | $2,964,000 | $44,000 | $170,000 | $31,000 | $160,000 |
| Debt-To-Income Ratio | 22 | $1,464,000 | $66,000 | $270,000 | $25,000 | $75,000 |
| Credit Application Incomplete | 19 | $1,738,000 | $91,000 | $240,000 | $127,000 | $480,000 |
| Collateral | 18 | $1,325,000 | $73,000 | $135,000 | $54,000 | $160,000 |
| Other | 18 | $1,372,000 | $76,000 | $149,000 | $61,000 | $600,000 |
| Employment History | 3 | $227,000 | $75,000 | $109,000 | $51,000 | $63,000 |
| Unverifiable Information | 2 | $112,000 | $56,000 | $70,000 | $54,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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