Clay County, MN Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 3,946 mortgage applications in Clay County, MN totaling $510.6 million, down 13% from 2009. The average application was for $129,000, and applicants reported an average income of $66,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank, NA, with 750 applications, followed by Bell Bank and Gate City 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 | 3,946 |
| Total Mortgage Loan Application Amount | $510,617,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $7,600,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $978,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 750 | $ 106,504,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 1,967,973,000 | 396 | $ 44,837,000 |
| Gate City Bank 500 2ND AVENUE NORTH FARGO, ND 58102 |
* | $ 1,146,346,000 | 376 | $ 42,167,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 268 | $ 36,084,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 170 | $ 23,801,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 152 | $ 20,957,000 |
| Bremer Bank NA (Fargo) 1444 45TH ST SW FARGO, ND 58103 |
* | $ 1,475,384,000 | 123 | $ 14,525,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 226,806,000 | 112 | $ 12,892,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 111 | $ 15,097,000 |
| Northwestern Bank, National Association 4 NORTH MAIN - PO BOX 10 DILWORTH, MN 56547 |
* | $ 137,861,000 | 104 | $ 8,224,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,342,381,000 | 87 | $ 9,309,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 361,363,000 | 79 | $ 11,188,000 |
| First National Bank PO BOX 688 HAWLEY, MN 56549 |
* | $ 94,047,000 | 76 | $ 9,244,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 990,482,000 | 59 | $ 8,905,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 59 | $ 9,885,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 58 | $ 8,403,000 |
| American Federal Bank 215 NORTH 5TH STREET FARGO, ND 58102 |
* | $ 400,815,000 | 55 | $ 7,744,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 54 | $ 4,812,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 48 | $ 6,882,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,120,512,000 | 47 | $ 5,665,000 |
| First Mortgage Service, Inc. 815 23RD AVE E WEST FARGO, ND 58078 |
* | $ 10,000,000 | 43 | $ 6,257,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 43 | $ 6,732,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 34 | $ 3,785,000 |
| Valley Premier Bank 416 6TH STREET, PO BOX 648 HAWLEY, MN 56549 |
* | $ 81,383,000 | 33 | $ 2,858,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 252,949,000 | 33 | $ 3,188,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 32 | $ 4,210,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 30 | $ 4,096,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 29 | $ 3,864,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 29 | $ 4,201,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 24 | $ 3,701,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 23 | $ 2,739,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 20 | $ 3,086,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 17 | $ 2,278,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 15 | $ 2,302,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 12 | $ 2,201,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 11 | $ 1,663,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 11 | $ 1,202,000 |
| Border Bank 4530 17TH AVENUE SOUTH FARGO, ND 58103 |
* | $ 60,597,000 | 11 | $ 1,112,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 416,536,000 | 10 | $ 826,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 545,135,000 | 10 | $ 1,709,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 137,680,000 | 10 | $ 1,122,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 10 | $ 1,511,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 10 | $ 1,528,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 9 | $ 1,466,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,594,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 1,599,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 712,559,000 | 9 | $ 1,141,000 |
| Lendsource Inc 12701 WHITEWATER DR STE 340 MINNETONKA, MN 55343 |
* | $ 10,000,000 | 8 | $ 1,155,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 7 | $ 1,363,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 7 | $ 1,065,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 715,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 1,409,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 323,323,000 | 6 | $ 722,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 5 | $ 542,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 5 | $ 750,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 683,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 5 | $ 613,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 5 | $ 567,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 5 | $ 453,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 5 | $ 696,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 4 | $ 548,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 4 | $ 464,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 739,711,000 | 4 | $ 444,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 469,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 4 | $ 335,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 4 | $ 707,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 846,129,000 | 4 | $ 501,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 3 | $ 486,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 3 | $ 474,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 142,000 |
| River City Mortgage and Financ 5001 AMERICAN BLVD SUITE 1000 BLOOMINGTON, MN 55437 |
* | $ 10,000,000 | 3 | $ 462,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 3 | $ 295,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 3 | $ 491,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 493,146,000 | 3 | $ 907,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 3 | $ 602,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 2 | $ 308,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 162,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 2 | $ 342,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 2 | $ 97,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 2 | $ 269,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 226,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 84,748,000 | 2 | $ 150,000 |
| The Business Bank 11100 WAYZATA BLVD SUITE 150 MINNETONKA, MN 55305 |
* | $ 151,022,000 | 2 | $ 413,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 2,574,801,000 | 2 | $ 160,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,545,707,000 | 2 | $ 187,000 |
| Unity Bank North PO BOX 280 RED LAKE FALLS, MN 56750 |
* | $ 67,828,000 | 2 | $ 240,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 11,000,000 | 2 | $ 408,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 180,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 2 | $ 338,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 220,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 152,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 2 | $ 235,000 |
| Lake State Credit Union PO BOX 330 MOOSE LAKE, MN 55767 |
* | $ 183,030,000 | 1 | $ 77,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 795,264,000 | 1 | $ 134,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 25,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 114,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ 48,476,000 | 1 | $ 148,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 189,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 50,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 1 | $ 157,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 158,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 250,000 |
| Bell America Mortgage LLC dba 1000 SHELARD PARKWAY SUITE 500 MINNEAPOLIS, MN 55434 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 105,000 |
| Kleinbank 301 CHESTNUT ST CHASKA, MN 55318 |
* | $ 1,509,842,000 | 1 | $ 109,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 853,905,000 | 1 | $ 10,000 |
| Rose Land and Finance Corp. 241 EAST SAGINAW PO BOX 980 EAST LANSING, MI 48826 |
* | $ 568,546,000 | 1 | $ 19,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 306,722,000 | 1 | $ 236,000 |
| Bridgewater Bank 4450 EXCELSIOR BOULEVARD ST. LOUIS PARK, MN 55416 |
* | $ 364,402,000 | 1 | $ 410,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 217,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 145,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,371,962,000 | 1 | $ 136,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 267,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 176,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 20,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 108,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 100,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 1 | $ 59,000 |
| Tcf National Bank 2508 LOUISE AVE S (002-01-P) SIOUX FALLS, SD 57106 |
* | $ 17,921,579,000 | 1 | $ 25,000 |
| Bremer Bank NA (Grand Forks) 3100 SOUTH COLUMBIA RD GRAND FORKS, ND 58201 |
* | $ 833,299,000 | 1 | $ 234,000 |
| Homeservices Lending, LLC A 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 98,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 333,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 185,000 |
| Ramsey National Bank PO BOX 160 DEVILS LAKE, ND 58301 |
* | $ 203,315,000 | 1 | $ 27,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 155,000 |
The tables below break down 2010 mortgage applications in Clay County, MN 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, MN in 2010
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 | 2,436 | $331,477,000 | $136,000 | $7,600,000 | $71,000 | $978,000 |
| Home Purchase | 1,229 | $167,467,000 | $136,000 | $3,179,000 | $57,000 | $653,000 |
| Home Improvement | 281 | $11,673,000 | $41,000 | $332,000 | $68,000 | $199,000 |
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 | 3,356 | $421,229,000 | $125,000 | $446,000 | $73,000 | $978,000 |
| Not applicable | 356 | $62,568,000 | $175,000 | $7,600,000 | $3,000 | $85,000 |
| Not Provided | 161 | $17,731,000 | $110,000 | $357,000 | $72,000 | $287,000 |
| Hispanic | 33 | $3,878,000 | $117,000 | $269,000 | $53,000 | $175,000 |
| Asian | 17 | $2,133,000 | $125,000 | $180,000 | $63,000 | $111,000 |
| Black or African American | 16 | $1,869,000 | $116,000 | $181,000 | $54,000 | $117,000 |
| American Indian or Alaskan Native | 6 | $992,000 | $165,000 | $228,000 | $103,000 | $263,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $217,000 | $217,000 | $217,000 | $79,000 | $79,000 |
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) | 2,782 | $347,650,000 | $124,000 | $7,600,000 | $74,000 | $978,000 |
| FHA-insured (Federal Housing Administration) | 987 | $134,930,000 | $136,000 | $311,000 | $47,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 144 | $24,328,000 | $168,000 | $385,000 | $47,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $3,709,000 | $112,000 | $186,000 | $40,000 | $72,000 |
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 | 2,338 | $289,926,000 | $124,000 | $3,179,000 | $74,000 | $978,000 |
| Loan Purchased By The Institution | 706 | $100,134,000 | $141,000 | $411,000 | $40,000 | $433,000 |
| Application Denied By Financial Institution | 423 | $58,104,000 | $137,000 | $7,600,000 | $62,000 | $380,000 |
| Application Withdrawn By Applicant | 329 | $42,370,000 | $128,000 | $417,000 | $71,000 | $410,000 |
| Application Approved But Not Accepted | 97 | $12,584,000 | $129,000 | $372,000 | $77,000 | $365,000 |
| File Closed For Incompleteness | 53 | $7,499,000 | $141,000 | $350,000 | $77,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 93 | $16,451,000 | $176,000 | $7,600,000 | $59,000 | $185,000 |
| Debt-To-Income Ratio | 91 | $11,593,000 | $127,000 | $357,000 | $50,000 | $263,000 |
| Other | 64 | $7,770,000 | $121,000 | $400,000 | $74,000 | $380,000 |
| Collateral | 57 | $7,248,000 | $127,000 | $394,000 | $76,000 | $174,000 |
| Credit Application Incomplete | 25 | $3,119,000 | $124,000 | $280,000 | $82,000 | $237,000 |
| Employment History | 11 | $1,485,000 | $135,000 | $214,000 | $47,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $882,000 | $147,000 | $180,000 | $65,000 | $93,000 |
| Unverifiable Information | 4 | $443,000 | $110,000 | $161,000 | $58,000 | $72,000 |
| Mortgage Insurance Denied | 1 | $155,000 | $155,000 | $155,000 | $51,000 | $51,000 |
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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