Clinton County, IL Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 2,261 mortgage applications in Clinton County, IL totaling $367.9 million, up 48% from 2019. The average application was for $162,000, and applicants reported an average income of $101,000. 63% of applications resulted in an originated loan and 9% were denied. The most active lender was Fcb Banks, with 374 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 2,261
Total Mortgage Loan Application Amount $367,940,000
Average Mortgage Loan Application Amount $162,000
Highest Mortgage Loan Application Amount $1,195,000
Average Applicant Income $101,000
Highest Applicant Income $1,952,000

Mortgage Company List for Lending in Clinton County, IL for 2020

* 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
* $ 1,749,595,000 374 $ 64,260,000
Germantown Trust & Savings Bank
205 N GERMANTOWN ROAD
BREESE, IL 62230
* $ 394,171,000 180 $ 30,960,000
Community Bank of Trenton
104 EAST BROADWAY
TRENTON, IL 62293
* $ 84,495,000 167 $ 30,270,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 70 $ 7,780,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 58 $ 7,950,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 56 $ 10,130,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 1,268,134,000 54 $ 7,950,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 53 $ 9,675,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 50 $ 9,000,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ 369,667,000 43 $ 5,325,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 3,808,206,000 42 $ 8,130,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 41 $ 8,465,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 41 $ 7,905,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ 367,781,000 41 $ 6,695,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 40 $ 6,360,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 34 $ 5,020,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 33 $ 5,615,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 32 $ 4,310,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 32 $ 4,580,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 30 $ 3,280,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 9,679,115,000 28 $ 4,810,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,166,684,000 26 $ 3,000,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 23 $ 3,995,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 23 $ 4,245,000
The First National Bank in Carlyle
891 FAIRFAX ST., PO BOX 280
CARLYLE, IL 62231
* $ 202,031,000 23 $ 1,725,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,996,752,000 22 $ 4,260,000
Tempo Bank, A Federal Savings Bank
28 W BROADWAY
TRENTON, IL 62293
* $ 99,042,000 21 $ 2,255,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 20 $ 3,230,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 6,073,827,000 19 $ 1,075,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,209,673,000 18 $ 2,990,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 17 $ 3,075,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 17 $ 2,635,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 16 $ 3,060,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 1,740,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ 806,234,000 15 $ 2,395,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 14 $ 2,720,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 2,610,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 13 $ 2,455,000
The Farmers and Merchants National Bank
120 WEST ST. LOUIS STREET
NASHVILLE, IL 62263
* $ 189,619,000 13 $ 2,705,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 13 $ 2,235,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 13 $ 1,685,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 12 $ 1,580,000
First FSB of Mascoutah
101 W MAIN STREET
MASCOUTAH, IL 62258
* $ 113,246,000 11 $ 1,725,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 11 $ 1,935,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 11 $ 2,205,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 10 $ 1,270,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 10 $ 1,640,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 9 $ 1,465,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 755,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 8 $ 1,330,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 7 $ 1,345,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 7 $ 1,095,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 7 $ 645,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,195,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 7 $ 1,105,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 6 $ 530,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 5 $ 525,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 1,165,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 505,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 483,497,000 5 $ 975,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,040,288,000 5 $ 815,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 5 $ 1,785,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 5 $ 685,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 645,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 745,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 1,235,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ 744,684,000 4 $ 380,000
First National Bank of Waterloo
228 S. MAIN STREET, P.O. BOX 507
WATERLOO, IL 62298
* $ 491,832,000 4 $ 1,310,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,825,507,000 4 $ 640,000
The Fnb Community Bank
432 WEST GALLATIN STREET
VANDALIA, IL 62471
* $ 355,622,000 4 $ 370,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 270,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 4 $ 800,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 4 $ 800,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 3 $ 295,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 3 $ 815,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 193,834,000 3 $ 585,000
Revity Credit Union
4101 STATE RTE 111
GRANITE CITY, IL 62040
* $ 347,221,000 3 $ 215,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 395,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 635,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 3 $ 495,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ 1,950,815,000 3 $ 445,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 3 $ 615,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 639,675,000 3 $ 585,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,955,469,000 3 $ 385,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 3 $ 95,000
Citizens Community Bank
9 E MAIN ST
MASCOUTAH, IL 62258
* $ 403,279,000 3 $ 505,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 240,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 2 $ 270,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 500,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 1,111,391,000 2 $ 400,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 2 $ 100,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 2 $ 230,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 510,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 60,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 2 $ 530,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 2 $ 300,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 2 $ 40,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 2 $ 330,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 480,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 2 $ 170,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ 915,985,000 2 $ 230,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 330,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 610,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 370,000
Community Partners Savings Bank
301 W MAIN ST
SALEM, IL 62881
* $ 202,070,000 2 $ 170,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ -1,000 2 $ 310,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 810,200,000 2 $ 140,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 250,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,785,682,000 2 $ 220,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 360,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 2 $ 320,000
D.W. Brown Mortgage Corp.
2205B SOUTH STATE ROUTE 157
EDWARDSVILLE, IL 62025
* $ -1,000 2 $ 350,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 280,000
Providence Bank
3855 FORUM BOULEVARD
COLUMBIA, MO 65203
* $ 1,070,090,000 2 $ 580,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 2 $ 200,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 610,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 60,000
Illinois State Police Federal Credit Union
730 ENGINEERING AVE.
SPRINGFIELD, IL 62703
* $ 97,336,000 2 $ 290,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 115,000
US Wide Financial LLC
VIBHU GROVER
ST LOUIS, MO 63146
* $ -1,000 1 $ 235,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 1,085,000
Central Bank of St. Louis
12218 MANCHEST RD.
ST. LOUIS, MO 63131
* $ 1,978,831,000 1 $ 225,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 85,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 235,000
Bond Street Mortgage, LLC
115 WEST CENTURY ROAD
PARAMUS, NJ 07652
* $ -1,000 1 $ 145,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 245,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 275,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 1,396,934,000 1 $ 235,000
The Peoples State Bank of Newton
100 W WASHINGTON ST
NEWTON, IL 62448
* $ 461,835,000 1 $ 75,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 195,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 125,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 2,663,225,000 1 $ 115,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 115,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 175,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ -1,000 1 $ 275,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,014,991,000 1 $ 55,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 195,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 255,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 3,918,468,000 1 $ 55,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 105,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 1,085,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 135,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 185,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 6,258,523,000 1 $ 245,000
American Home Lending USA, LLC
230 S BUCHANAN ST, STE A
EDWARDSVILLE, IL 62025
* $ -1,000 1 $ 165,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 115,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 6,492,180,000 1 $ 155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 85,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 115,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 175,000
Bank of O'fallon
901 S. LINCOLN AVE
O'FALLON, IL 62269
* $ 312,833,000 1 $ 175,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 15,000

The tables below break down 2020 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 2020

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 1,039 $183,885,000 $176,000 $1,195,000 $110,000 $1,952,000
Home Purchase 780 $120,010,000 $153,000 $875,000 $84,000 $1,286,000
Cash-out Refinancing 321 $53,400,000 $166,000 $455,000 $114,000 $1,031,000
Other Purpose 60 $4,070,000 $67,000 $505,000 $99,000 $371,000
Home Improvement 34 $1,920,000 $56,000 $305,000 $105,000 $221,000
Not Applicable 27 $4,655,000 $172,000 $1,085,000 $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 1,833 $295,470,000 $161,000 $1,195,000 $102,000 $1,952,000
Not applicable 253 $43,855,000 $173,000 $1,085,000 $95,000 $600,000
Not Provided 120 $19,630,000 $163,000 $315,000 $103,000 $900,000
Hispanic 22 $4,080,000 $185,000 $705,000 $82,000 $248,000
Black or African American 13 $1,235,000 $95,000 $195,000 $60,000 $133,000
American Indian or Alaskan Native 9 $1,355,000 $150,000 $255,000 $77,000 $99,000
Asian 7 $1,665,000 $237,000 $505,000 $132,000 $371,000
Native Hawaiian or Other Pacific Islander 2 $310,000 $155,000 $195,000 $92,000 $120,000

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) 1,672 $273,725,000 $163,000 $1,195,000 $110,000 $1,952,000
VA-guaranteed (Veterans Administration) 263 $51,895,000 $197,000 $445,000 $72,000 $190,000
FHA-insured (Federal Housing Administration) 199 $27,785,000 $139,000 $335,000 $60,000 $192,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 127 $14,535,000 $114,000 $235,000 $50,000 $127,000

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 1,419 $235,750,000 $166,000 $875,000 $105,000 $1,749,000
Loan Purchased By The Institution 302 $50,920,000 $168,000 $1,085,000 $93,000 $600,000
Application Withdrawn By Applicant 251 $41,865,000 $166,000 $515,000 $107,000 $1,952,000
Application Denied By Financial Institution 199 $27,065,000 $136,000 $1,195,000 $80,000 $706,000
Application Approved But Not Accepted 46 $5,850,000 $127,000 $285,000 $91,000 $210,000
File Closed For Incompleteness 42 $6,380,000 $151,000 $315,000 $75,000 $196,000
Preapproval Approved but not Accepted 2 $110,000 $55,000 $95,000 $36,000 $48,000
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
Not applicable 1,810 $299,660,000 $165,000 $1,085,000 $100,000 $1,952,000
Debt-To-Income Ratio 311 $48,310,000 $155,000 $475,000 $112,000 $540,000
Credit History 62 $8,010,000 $129,000 $355,000 $103,000 $706,000
Collateral 30 $4,610,000 $153,000 $1,195,000 $90,000 $250,000
Credit Application Incomplete 21 $3,185,000 $151,000 $295,000 $82,000 $180,000
Other 18 $2,530,000 $140,000 $395,000 $62,000 $112,000
Unverifiable Information 5 $1,085,000 $217,000 $405,000 $67,000 $86,000
Employment History 2 $310,000 $155,000 $195,000 $51,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 2 $240,000 $120,000 $185,000 $63,000 $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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