Clinton County, IL Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,436 mortgage applications in Clinton County, IL totaling $186.1 million, down 12% from 2016. The average application was for $129,000, and applicants reported an average income of $101,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was Fcb Banks, with 248 applications, followed by JPMorgan Chase Bank, NA and Germantown Trust & Savings 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 1,436
Total Mortgage Loan Application Amount $186,053,000
Average Mortgage Loan Application Amount $129,000
Highest Mortgage Loan Application Amount $1,136,000
Average Applicant Income $101,000
Highest Applicant Income $10,000,000

Mortgage Company List for Lending in Clinton County, IL for 2017

* 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
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 874,441,000 248 $ 37,051,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 112 $ 17,535,000
Germantown Trust & Savings Bank
205 N GERMANTOWN ROAD
BREESE, IL 62230
* $ 361,242,000 80 $ 10,322,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 65 $ 6,243,000
Community Bank of Trenton
104 EAST BROADWAY
TRENTON, IL 62293
* $ 80,341,000 50 $ 4,811,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 46 $ 5,318,000
Alpine Bank & Trust Co.
1700 N ALPINE RD
ROCKFORD, IL 61107
* $ 1,249,501,000 43 $ 6,064,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 37 $ 4,621,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 1,092,616,000 35 $ 3,358,000
Farmers State Bank of Hoffman
100 W 4TH STREET
HOFFMAN, IL 62250
* $ 144,785,000 30 $ 2,209,000
The First National Bank in Carlyle
891 FAIRFAX ST., PO BOX 280
CARLYLE, IL 62231
* $ 193,605,000 30 $ 2,132,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 25 $ 4,020,000
State Bank of Lincoln
508 BROADWAY STREET
LINCOLN, IL 62656
* $ 343,749,000 24 $ 3,625,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 22 $ 2,834,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,712,246,000 22 $ 3,071,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,042,021,000 17 $ 977,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 16 $ 1,522,000
Tempo Bank
28 W BROADWAY, P.O. BOX 59
TRENTON, IL 62293
* $ 94,756,000 15 $ 1,337,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 15 $ 1,865,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,925,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 2,200,305,000 14 $ 1,767,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 1,959,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,183,870,000 12 $ 1,128,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 3,230,875,000 12 $ 965,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 12 $ 1,832,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 12 $ 1,677,000
First FSB of Mascoutah
101 W MAIN STREET
MASCOUTAH, IL 62258
* $ 96,786,000 12 $ 1,775,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 12 $ 1,243,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 10 $ 873,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,124,422,000 10 $ 1,379,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,428,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ -1,000 10 $ 984,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 10 $ 1,766,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ 272,305,000 9 $ 1,178,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 9 $ 1,438,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 1,430,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ 0 9 $ 0
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 9 $ 1,056,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 8 $ 1,263,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,273,000
Community Partners Savings Bank
301 W MAIN ST
SALEM, IL 62881
* $ 175,321,000 8 $ 512,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 7 $ 131,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 675,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,044,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 961,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 930,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ -1,000 6 $ 699,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 5 $ 895,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 708,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 1,061,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ -1,000 5 $ 573,000
Citizens Community Bank
9 E MAIN ST
MASCOUTAH, IL 62258
* $ 372,793,000 5 $ 529,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 5 $ 652,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 5 $ 602,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 5 $ 700,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,870,076,000 4 $ 820,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 392,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 4 $ 665,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 4 $ 33,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 4 $ 456,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 458,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 603,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 392,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 4 $ 608,000
D.W. Brown Mortgage Corp.
2205B SOUTH STATE ROUTE 157
EDWARDSVILLE, IL 62025
* $ -1,000 3 $ 680,000
The First National Bank
432 W GALLATIN
VANDALIA, IL 62471
* $ 319,974,000 3 $ 127,000
First National Bank of Waterloo
228 S. MAIN STREET, P.O. BOX 507
WATERLOO, IL 62298
* $ 453,798,000 3 $ 921,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 642,000
Revity Credit Union
4101 STATE RTE 111
GRANITE CITY, IL 62040
* $ 323,256,000 3 $ 242,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 1,842,691,000 2 $ 321,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 285,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 2 $ 29,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 2 $ 307,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 314,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ -1,000 2 $ 261,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 553,662,000 2 $ 333,000
Genfed Financial Credit Union, Inc.
2492 WEDGEWOOD DRIVE SUITE G
AKRON, OH 44312
* $ 231,221,000 2 $ 146,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 2 $ 280,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 240,000
Central Bank of St. Louis
12218 MANCHEST RD.
ST. LOUIS, MO 63131
* $ 1,886,572,000 2 $ 148,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 912,493,000 2 $ 300,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 2 $ 251,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 295,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 2 $ 237,000
Healthcare Associates Credit Union
1151 E WARRENVILLE RD
NAPERVILLE, IL 60563
* $ 323,629,000 2 $ 131,000
The Farmers and Merchants National Bank
120 WEST ST. LOUIS STREET
NASHVILLE, IL 62263
* $ 182,243,000 2 $ 390,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 217,000
Bank of O'fallon
901 S. LINCOLN AVE
O'FALLON, IL 62269
* $ 294,266,000 2 $ 237,000
Illini Bank
3200 W. ILES AVENUE
SPRINGFIELD, IL 62711
* $ 283,019,000 2 $ 123,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 177,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ -1,000 2 $ 351,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,443,000,000 2 $ 1,312,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 249,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 2 $ 385,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 690,467,000 1 $ 130,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 29,070,880,000 1 $ 86,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 120,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 48,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 0 1 $ 1,134,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 1 $ 44,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 82,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 56,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 135,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,529,171,000 1 $ 133,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 832,884,000 1 $ 212,000
The First National Bank in Staunton
115 S ELM ST PO BOX 59
STAUNTON, IL 62088
* $ 500,831,000 1 $ 202,000
Sterling United Federal Credit Union
1330 W FRANKLIN ST
EVANSVILLE, IN 47710
* $ 72,639,000 1 $ 48,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 1 $ 209,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 1 $ 44,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ -1,000 1 $ 93,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 96,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 1 $ 130,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 1 $ 70,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 127,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 13,016,049,000 1 $ 173,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 115,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,619,025,000 1 $ 250,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 669,149,000 1 $ 25,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ -1,000 1 $ 155,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 115,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 5,382,961,000 1 $ 300,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,982,691,000 1 $ 115,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 610,062,000 1 $ 32,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 1 $ 41,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 1 $ 202,000
Security Bank
510 E. MONROE ST
SPRINGFIELD, IL 62701
* $ 129,132,000 1 $ 84,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 166,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 127,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 170,002,000 1 $ 87,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,614,191,000 1 $ 98,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 734,403,000 1 $ 142,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 215,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 1 $ 80,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 13,265,339,000 1 $ 72,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ -1,000 1 $ 115,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 73,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 120,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 71,000
F&B Acquisition Group LLC
12412 POWERSCOURT DRIVE STE. 20
ST. LOUIS, MO 63131
* $ -1,000 1 $ 162,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 303,996,000 1 $ 130,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 14,723,604,000 1 $ 112,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 296,000
American Home Lending USA, LLC
230 S BUCHANAN ST, STE A
EDWARDSVILLE, IL 62025
* $ 0 1 $ 117,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 1 $ 14,000
Integrity First Financial Group, Inc.
6333 GREENWICH DRIVE SUITE 280
SAN DIEGO, CA 92122
* $ -1,000 1 $ 128,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 153,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 561,134,000 1 $ 184,000
Collinsville Building and Loan Association
701 BELTLINE RD
COLLINSVILLE, IL 62234
* $ 122,623,000 1 $ 130,000

The tables below break down 2017 mortgage applications in Clinton County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Clinton County, IL in 2017

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 780 $103,641,000 $132,000 $1,136,000 $66,000 $1,000,000
Refinancing 532 $73,793,000 $138,000 $1,134,000 $127,000 $10,000,000
Home Improvement 124 $8,619,000 $69,000 $476,000 $213,000 $8,938,000

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 1,188 $154,302,000 $129,000 $1,136,000 $116,000 $10,000,000
Not applicable 143 $19,222,000 $134,000 $1,134,000 $3,000 $121,000
Not Provided 72 $8,974,000 $124,000 $303,000 $82,000 $1,000,000
Black or African American 12 $1,149,000 $95,000 $213,000 $43,000 $135,000
Hispanic 11 $930,000 $84,000 $153,000 $45,000 $161,000
Asian 6 $845,000 $140,000 $315,000 $74,000 $104,000
American Indian or Alaskan Native 4 $631,000 $157,000 $220,000 $79,000 $94,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 960 $123,825,000 $128,000 $1,136,000 $124,000 $10,000,000
FHA-insured (Federal Housing Administration) 175 $20,109,000 $114,000 $278,000 $71,000 $3,750,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 157 $17,337,000 $110,000 $222,000 $31,000 $94,000
VA-guaranteed (Veterans Administration) 144 $24,782,000 $172,000 $418,000 $66,000 $223,000

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 818 $106,586,000 $130,000 $1,136,000 $80,000 $1,000,000
Loan Purchased By The Institution 249 $36,496,000 $146,000 $1,134,000 $44,000 $251,000
Application Denied By Financial Institution 173 $17,630,000 $101,000 $380,000 $68,000 $1,000,000
Application Withdrawn By Applicant 135 $17,761,000 $131,000 $390,000 $397,000 $10,000,000
File Closed For Incompleteness 37 $4,358,000 $117,000 $303,000 $53,000 $158,000
Application Approved But Not Accepted 24 $3,222,000 $134,000 $325,000 $79,000 $338,000
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 45 $3,728,000 $82,000 $315,000 $69,000 $200,000
Debt-To-Income Ratio 24 $2,239,000 $93,000 $303,000 $40,000 $90,000
Collateral 15 $1,587,000 $105,000 $280,000 $71,000 $166,000
Credit Application Incomplete 9 $1,023,000 $113,000 $296,000 $167,000 $1,000,000
Other 9 $687,000 $76,000 $141,000 $89,000 $128,000
Unverifiable Information 3 $691,000 $230,000 $380,000 $126,000 $190,000
Insufficient Cash (Downpayment, Closing Cost) 2 $226,000 $113,000 $207,000 $72,000 $122,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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