Cleburne County, AL Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 939 mortgage applications in Cleburne County, AL totaling $69.7 million, down 3% from 2003. The average application was for $74,000, and applicants reported an average income of $51,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Colonial Bank, N.A., with 114 applications, followed by Ameriquest Mortgage Company and Citizens Bk & Tst of West Ga.
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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 | 939 |
| Total Mortgage Loan Application Amount | $69,663,000 |
| Average Mortgage Loan Application Amount | $74,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $605,000 |
* 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 |
* | $ 16,249,551,000 | 114 | $ 5,957,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 53 | $ 5,163,000 |
| Citizens Bk & Tst of West Ga PO BOX 2127 CARROLLTON, GA 30117 |
* | $ 459,445,000 | 46 | $ 3,735,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ 354,552,000 | 41 | $ 2,022,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 51,884,768,000 | 41 | $ 2,324,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 40 | $ 1,508,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 32 | $ 2,746,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 25 | $ 2,693,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 24 | $ 1,255,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 22 | $ 2,297,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 22 | $ 1,468,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 21 | $ 1,735,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 20 | $ 2,230,000 |
| First National Bank of Georgia 201 MAPLE STREET CARROLLTON, GA 30117 |
* | $ 391,473,000 | 18 | $ 1,049,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 17 | $ 1,344,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 17 | $ 739,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 15 | $ 1,528,000 |
| First National Bank of Georgia P. O. BOX 528 BUCHANAN, GA 30113 |
* | $ 192,448,000 | 13 | $ 812,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 13 | $ 1,145,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 12 | $ 900,000 |
| Citifinancial Corporation 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 12 | $ 424,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 45,629,203,000 | 11 | $ 1,206,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 45,247,734,000 | 11 | $ 801,000 |
| Wells Fargo Fin'l Alabama, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 9 | $ 474,000 |
| Aod Federal Credit Union 334 VICTORY DRIVE BYNUM, AL 36253 |
* | $ 149,011,000 | 9 | $ 525,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 9 | $ 221,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 8 | $ 559,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 7 | $ 426,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 7 | $ 766,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 7 | $ 485,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 6 | $ 271,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 477,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 6 | $ 868,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 6 | $ 497,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 6 | $ 571,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 810,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 5 | $ 402,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 124,453,567,000 | 5 | $ 302,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,342,774,000 | 5 | $ 436,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 5 | $ 609,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 34,000,000 | 5 | $ 573,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 5 | $ 304,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 26,898,673,000 | 5 | $ 285,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 265,899,000 | 5 | $ 655,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 318,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 4 | $ 249,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 4 | $ 389,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 366,720,000 | 4 | $ 288,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 240,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 4 | $ 361,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 4 | $ 219,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 4 | $ 641,000 |
| Unity Mortgage Corp 7840 ROSWELL RD BLDG 300, STE 301 ATLANTA, GA 30350 |
* | $ 10,000,000 | 3 | $ 230,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 378,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 130,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 3 | $ 367,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 289,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 287,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 3 | $ 351,000 |
| Wells Fargo Fin'l Georgia, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 3 | $ 249,000 |
| Cheaha Bank 1320 HIGHWAY DRIVE OXFORD, AL 36203 |
* | $ 81,184,000 | 3 | $ 282,000 |
| Associates Housing Finance 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 1,097,190,000,000 | 3 | $ 142,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 158,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 3 | $ 211,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 3 | $ 277,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 214,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 3 | $ 312,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,312,912,000 | 2 | $ 189,000 |
| First Commerce Community Bank 9001 HOSPITAL DRIVE DOUGLASVILLE, GA 30134 |
* | $ 58,637,000 | 2 | $ 106,000 |
| First Georgia Banking Company 100 TOM REEVE DRIVE (PO BOX 2578) CARRLLTON, GA 30117 |
* | $ 63,099,000 | 2 | $ 112,000 |
| Crescent Mortgage Company 115 PERIMETER CENTER PLACE STE 285 ATLANTA, GA 30346 |
* | $ 367,510,000 | 2 | $ 295,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 90,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 2 | $ 60,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 2 | $ 139,000 |
| Fort McClellan Credit Union 1731 NOBLE STREET ANNISTON, AL 36201 |
* | $ 79,679,000 | 2 | $ 80,000 |
| Hometown Bank 1849 CARROLLTON VILLA RICA HIGHWAY VILLA RICA, GA 30180 |
* | $ 162,448,000 | 2 | $ 82,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 2 | $ 195,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 2 | $ 184,000 |
| Choice Capital Funding Inc. 223 ROSWELL STREET SUITE 100 ALPHARETTA, GA 30004 |
* | $ 10,000,000 | 2 | $ 259,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 2 | $ 222,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 2 | $ 131,000 |
| American Freedom Mortgage, Inc 2211 NEWMARKET PARKWAY, SUITE 130 MARIETTA, GA 30067 |
* | $ 10,000,000 | 2 | $ 140,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ 577,066,000 | 2 | $ 95,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 2 | $ 122,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 130,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 2 | $ 163,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 2 | $ 146,000 |
| Your Best Rate Financial L.L.C 5909 PEACHTREE DUNWOODY RD SUITE 700 ATLANTA, GA 30328 |
* | $ 10,000,000 | 2 | $ 193,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 2 | $ 162,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 2 | $ 147,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 168,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 283,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 185,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 2 | $ 114,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 117,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 58,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 1 | $ 155,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 61,258,857,000 | 1 | $ 126,000 |
| McIntosh Commercial Bank 820 DIXIE STREET CARROLLTON, GA 30117 |
* | $ 105,451,000 | 1 | $ 16,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 178,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 716,641,000 | 1 | $ 91,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 1,095,593,000 | 1 | $ 23,000 |
| Acoustic Home Loans, LLC 770 THE CITY DRIVE SOUTH, SUITE 1500 ORANGE, CA 92868 |
* | $ 336,792,793,000 | 1 | $ 66,000 |
| Alabama Telco Credit Union 1849 DATA DRIVE BIRMINGHAM, AL 35244 |
* | $ 311,298,000 | 1 | $ 100,000 |
| Citizens & Merchants State Bk PO BOX 1585 DOUGLASVILLE, GA 30133 |
* | $ 183,582,000 | 1 | $ 7,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 12,620,187,000 | 1 | $ 40,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 67,000 |
| Bsm Financial, L.P. 1301 CENTRAL EXPRESSWAY SOUTH ALLEN, TX 75013 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Auburnbank 100 N. GAY STREET AUBURN, AL 36830 |
* | $ 587,536,000 | 1 | $ 81,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Homebanc Mortgage Corporation 2002 SUMMIT BOULEVARD SUITE 100 ATLANTA, GA 30319 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Georgia Community Bank 111 N PENTZ STREET DALTON, GA 30720 |
* | $ 52,827,000 | 1 | $ 91,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 28,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 234,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Fme Federal Credit Union 29624 HARPER ST CLAIR SHORES, MI 48082 |
* | $ 57,948,000 | 1 | $ 82,000 |
The tables below break down 2004 mortgage applications in Cleburne 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 Cleburne County, AL in 2004
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 | 530 | $47,431,000 | $89,000 | $520,000 | $55,000 | $605,000 |
| Home Purchase | 267 | $17,911,000 | $67,000 | $392,000 | $47,000 | $250,000 |
| Home Improvement | 142 | $4,321,000 | $30,000 | $1,000,000 | $43,000 | $192,000 |
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 | 736 | $53,754,000 | $73,000 | $1,000,000 | $51,000 | $605,000 |
| Not Provided | 83 | $7,306,000 | $88,000 | $317,000 | $64,000 | $221,000 |
| Not applicable | 80 | $5,405,000 | $67,000 | $391,000 | $20,000 | $173,000 |
| Black or African American | 18 | $1,029,000 | $57,000 | $126,000 | $40,000 | $64,000 |
| Asian | 8 | $684,000 | $85,000 | $171,000 | $60,000 | $112,000 |
| Hispanic | 7 | $437,000 | $62,000 | $98,000 | $37,000 | $48,000 |
| American Indian or Alaskan Native | 6 | $882,000 | $147,000 | $198,000 | $86,000 | $173,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $166,000 | $166,000 | $166,000 | $94,000 | $94,000 |
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) | 914 | $67,717,000 | $74,000 | $1,000,000 | $52,000 | $605,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,093,000 | $78,000 | $130,000 | $37,000 | $67,000 |
| VA-guaranteed (Veterans Administration) | 8 | $659,000 | $82,000 | $148,000 | $9,000 | $36,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $194,000 | $64,000 | $66,000 | $16,000 | $30,000 |
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 | 453 | $31,191,000 | $68,000 | $520,000 | $54,000 | $281,000 |
| Application Denied By Financial Institution | 187 | $13,968,000 | $74,000 | $1,000,000 | $43,000 | $173,000 |
| Loan Purchased By The Institution | 128 | $9,591,000 | $74,000 | $317,000 | $38,000 | $181,000 |
| Application Approved But Not Accepted | 62 | $4,587,000 | $73,000 | $190,000 | $78,000 | $605,000 |
| Application Withdrawn By Applicant | 56 | $5,505,000 | $98,000 | $282,000 | $61,000 | $221,000 |
| File Closed For Incompleteness | 53 | $4,821,000 | $90,000 | $200,000 | $37,000 | $144,000 |
| 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 | 55 | $3,450,000 | $62,000 | $1,000,000 | $38,000 | $108,000 |
| Other | 25 | $1,881,000 | $75,000 | $300,000 | $53,000 | $135,000 |
| Debt-To-Income Ratio | 18 | $1,484,000 | $82,000 | $190,000 | $34,000 | $64,000 |
| Collateral | 18 | $1,270,000 | $70,000 | $221,000 | $46,000 | $109,000 |
| Credit Application Incomplete | 11 | $1,458,000 | $132,000 | $275,000 | $61,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $421,000 | $105,000 | $236,000 | $47,000 | $69,000 |
| Employment History | 3 | $478,000 | $159,000 | $198,000 | $68,000 | $173,000 |
| Unverifiable Information | 2 | $89,000 | $44,000 | $64,000 | $35,000 | $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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