Clinton County, IL Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,342 mortgage applications in Clinton County, IL totaling $175.3 million, down 7% from 2017. The average application was for $130,000, and applicants reported an average income of $84,000. 58% of applications resulted in an originated loan and 13% were denied. The most active lender was Fcb Banks, with 258 applications, followed by Germantown Trust & Savings Bank and Community Bank of Trenton.

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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 1,342
Total Mortgage Loan Application Amount $175,270,000
Average Mortgage Loan Application Amount $130,000
Highest Mortgage Loan Application Amount $1,275,000
Average Applicant Income $84,000
Highest Applicant Income $1,008,000

Mortgage Company List for Lending in Clinton County, IL for 2018

* 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
* $ 1,395,480,000 258 $ 38,360,000
Germantown Trust & Savings Bank
205 N GERMANTOWN ROAD
BREESE, IL 62230
* $ 371,377,000 102 $ 13,010,000
Community Bank of Trenton
104 EAST BROADWAY
TRENTON, IL 62293
* $ 82,769,000 62 $ 8,730,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 61 $ 9,395,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 61 $ 5,165,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,122,853,000 51 $ 5,675,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 1,115,637,000 35 $ 3,835,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 4,401,191,000 32 $ 3,450,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 29 $ 3,705,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 28 $ 2,420,000
The First National Bank in Carlyle
891 FAIRFAX ST., PO BOX 280
CARLYLE, IL 62231
* $ 193,407,000 24 $ 1,590,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 21 $ 2,485,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 4,100,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 20 $ 2,780,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,806,632,000 18 $ 2,350,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 18 $ 2,160,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 18 $ 560,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 17 $ 2,775,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ 332,069,000 16 $ 1,350,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 16 $ 2,940,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 14 $ 1,940,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 1,695,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 2,830,917,000 12 $ 1,530,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ 288,347,000 11 $ 1,835,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 11 $ 1,945,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,300,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 1,250,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 9 $ 765,000
First FSB of Mascoutah
101 W MAIN STREET
MASCOUTAH, IL 62258
* $ 105,438,000 9 $ 955,000
Farmers State Bank of Hoffman
100 W 4TH STREET
HOFFMAN, IL 62250
* $ 149,120,000 9 $ 595,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 9 $ 1,375,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,280,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 900,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 8 $ 1,040,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,154,899,000 8 $ 710,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,035,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 7 $ 1,165,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,175,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 7 $ 1,325,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 7 $ 555,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 6 $ 880,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 6 $ 720,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,070,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 6 $ 730,000
State Bank of Lincoln
508 BROADWAY STREET
LINCOLN, IL 62656
* $ 342,347,000 5 $ 965,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 5 $ 625,000
The First National Bank
432 W GALLATIN
VANDALIA, IL 62471
* $ 323,341,000 5 $ 795,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 981,848,000 5 $ 705,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 465,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 645,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 4 $ 600,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 4 $ 240,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 690,531,000 4 $ 430,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 4 $ 150,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 355,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 465,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 325,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 3 $ 375,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 325,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 3 $ 45,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 345,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 735,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 385,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,727,667,000 3 $ 405,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 305,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 3 $ 555,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 3 $ 365,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 743,446,000 3 $ 1,555,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 3 $ 435,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 250,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,661,974,000 2 $ 330,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 70,000
Bank of O'fallon
901 S. LINCOLN AVE
O'FALLON, IL 62269
* $ 302,678,000 2 $ 480,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 30,422,051,000 2 $ 150,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 260,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 2 $ 70,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,595,978,000 2 $ 120,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 2 $ 350,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 130,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 2 $ 80,000
The First National Bank in Staunton
115 S ELM ST PO BOX 59
STAUNTON, IL 62088
* $ 524,242,000 2 $ 180,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 280,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 330,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ 722,944,000 2 $ 250,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 260,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 350,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 210,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 320,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 390,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,811,215,000 2 $ 260,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 95,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 35,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 85,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 155,000
Revity Credit Union
4101 STATE RTE 111
GRANITE CITY, IL 62040
* $ 328,252,000 1 $ 135,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 1 $ 155,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 175,000
Cu/America Financial Services, Inc.
200 W 22ND ST, STE 280
LOMBARD, IL 60148
* $ -1,000 1 $ 185,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 285,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 1,876,110,000 1 $ 185,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 170,454,000 1 $ 145,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 1 $ 35,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 466,374,000 1 $ 315,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 413,653,000 1 $ 65,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 1 $ 185,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 95,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 85,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 245,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 1 $ 185,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 245,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 215,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 145,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,528,090,000 1 $ 75,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 1 $ 115,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 1 $ 55,000
Collinsville Building and Loan Association
701 BELTLINE RD
COLLINSVILLE, IL 62234
* $ 120,654,000 1 $ 145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 65,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 1 $ 155,000
Land of Lincoln Credit Union
3130 E MOUND RD
DECATUR, IL 62526
* $ 228,678,000 1 $ 195,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 95,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 275,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 95,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 145,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,382,690,000 1 $ 45,000
The Bank of Herrin
101 S. PARK AVE, P.O. BOX B
HERRIN, IL 62948
* $ 256,921,000 1 $ 425,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 15,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 155,000
Murphy-Wall State Bank and Trust Company
105 E WATER ST, PO BOX 128
PINCKNEYVILLE, IL 62274
* $ 120,440,000 1 $ 185,000
Central Bank of St. Louis
12218 MANCHEST RD.
ST. LOUIS, MO 63131
* $ 1,848,755,000 1 $ 115,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 145,000
The Farmers and Merchants National Bank
120 WEST ST. LOUIS STREET
NASHVILLE, IL 62263
* $ 171,091,000 1 $ 75,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 155,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,376,902,000 1 $ 25,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 25,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 5,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 85,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 425,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 145,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 21,557,938,000 1 $ 145,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ -1,000 1 $ 205,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 2,918,982,000 1 $ 25,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 192,687,000 1 $ 155,000
First Federal Savings and Loan
212 N FRANKLIN
GREENSBURG, IN 47240
* $ 151,669,000 1 $ 5,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 1 $ 285,000

The tables below break down 2018 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 2018

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 709 $98,775,000 $139,000 $575,000 $82,000 $543,000
Refinancing 280 $38,670,000 $138,000 $1,275,000 $92,000 $1,008,000
Cash-out Refinancing 212 $29,440,000 $138,000 $425,000 $78,000 $217,000
Home Improvement 63 $2,885,000 $45,000 $135,000 $79,000 $243,000
Other Purpose 61 $4,105,000 $67,000 $355,000 $100,000 $476,000
Not Applicable 17 $1,395,000 $82,000 $145,000 $51,000 $90,000

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 1,122 $144,450,000 $128,000 $495,000 $84,000 $1,008,000
Not applicable 135 $19,095,000 $141,000 $1,275,000 $63,000 $132,000
Not Provided 53 $8,125,000 $153,000 $375,000 $86,000 $269,000
Black or African American 12 $1,520,000 $126,000 $255,000 $77,000 $129,000
Hispanic 12 $920,000 $76,000 $175,000 $65,000 $195,000
Asian 5 $615,000 $123,000 $245,000 $163,000 $382,000
Native Hawaiian or Other Pacific Islander 2 $340,000 $170,000 $185,000 $105,000 $105,000
American Indian or Alaskan Native 1 $205,000 $205,000 $205,000 $65,000 $65,000

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) 920 $116,210,000 $126,000 $1,275,000 $91,000 $1,008,000
FHA-insured (Federal Housing Administration) 169 $21,385,000 $126,000 $295,000 $60,000 $150,000
VA-guaranteed (Veterans Administration) 147 $26,055,000 $177,000 $495,000 $81,000 $212,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 106 $11,620,000 $109,000 $285,000 $51,000 $129,000

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 784 $104,790,000 $133,000 $1,275,000 $89,000 $1,008,000
Loan Purchased By The Institution 184 $26,520,000 $144,000 $425,000 $82,000 $174,000
Application Denied By Financial Institution 168 $17,630,000 $104,000 $385,000 $71,000 $446,000
Application Withdrawn By Applicant 148 $19,460,000 $131,000 $495,000 $78,000 $232,000
File Closed For Incompleteness 34 $3,210,000 $94,000 $275,000 $57,000 $154,000
Application Approved But Not Accepted 23 $3,525,000 $153,000 $395,000 $118,000 $382,000
Preapproval Denied by Financial Institution 1 $135,000 $135,000 $135,000 $53,000 $53,000
Preapproval Approved but not Accepted 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
Not applicable 1,024 $139,990,000 $136,000 $1,275,000 $85,000 $1,008,000
Debt-To-Income Ratio 184 $21,550,000 $117,000 $425,000 $88,000 $543,000
Credit History 58 $4,830,000 $83,000 $255,000 $65,000 $234,000
Collateral 35 $4,585,000 $131,000 $385,000 $102,000 $446,000
Other 18 $1,610,000 $89,000 $205,000 $75,000 $195,000
Credit Application Incomplete 17 $1,845,000 $108,000 $195,000 $59,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 3 $585,000 $195,000 $235,000 $114,000 $162,000
Employment History 2 $160,000 $80,000 $135,000 $28,000 $36,000
Unverifiable Information 1 $115,000 $115,000 $115,000 $55,000 $55,000
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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