Clinton County, MO Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 949 mortgage applications in Clinton County, MO totaling $187.8 million, up 13% from 2023. The average application was for $197,000, and applicants reported an average income of $106,000. 54% of applications resulted in an originated loan and 14% were denied. The most active lender was Communityamerica Federal Credit Union, with 53 applications, followed by US Bank, N.A. and Farmers State 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 949
Total Mortgage Loan Application Amount $187,765,000
Average Mortgage Loan Application Amount $197,000
Highest Mortgage Loan Application Amount $855,000
Average Applicant Income $106,000
Highest Applicant Income $2,938,000

Mortgage Company List for Lending in Clinton County, MO for 2024

* 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
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 53 $ 7,765,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 43 $ 7,555,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ n/a 35 $ 6,905,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 31 $ 6,055,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 30 $ 8,210,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 29 $ 5,765,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 28 $ 6,550,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 26 $ 2,880,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 24 $ 6,010,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 24 $ 1,480,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 22 $ 4,820,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 22 $ 5,740,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 18 $ 4,040,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 17 $ 4,435,000
Kearney Trust Company
310 W. 92 HIGHWAY
KEARNEY, MO 64060
* $ n/a 17 $ 2,295,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ n/a 17 $ 2,435,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 16 $ 3,710,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 16 $ 2,150,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 14 $ 3,470,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 14 $ 3,040,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 13 $ 2,815,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 12 $ 2,280,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ n/a 12 $ 2,440,000
The Hamilton Bank
111 NORTH DAVIS, P.O. BOX 127
HAMILTON, MO 64644
* $ n/a 12 $ 1,390,000
Union State Bank of Everest
PO BOX 105
EVEREST, KS 66424
* $ n/a 11 $ 1,535,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 10 $ 2,260,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 10 $ 2,220,000
Bank Northwest
201 S DAVIS
HAMILTON, MO 64644
* $ n/a 9 $ 995,000
Goppert Financial Bank
710 OAK ST. P.O. BOX 606
LATHROP, MO 64465
* $ n/a 9 $ 1,475,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 9 $ 2,405,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,700,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 8 $ 1,160,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 620,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ n/a 8 $ 1,570,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 7 $ 2,095,000
The Nodaway Valley Bank
P. O. BOX 7315, 402 N. BELT HWY
MARYVILLE, MO 64468
* $ n/a 7 $ 1,445,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 7 $ 1,605,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 6 $ 1,300,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 6 $ 1,030,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ n/a 6 $ 1,340,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 6 $ 1,660,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 6 $ 1,400,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 6 $ 1,070,000
Arvest Bank

TULSA, OK 74103
* $ n/a 5 $ 1,245,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ n/a 5 $ 435,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 895,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 5 $ 855,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ n/a 5 $ 525,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 5 $ 1,015,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 285,000
Independent Farmers Bank
PO BOX 128
MAYSVILLE, MO 64469
* $ n/a 5 $ 925,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ n/a 4 $ 940,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 4 $ 180,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 4 $ 1,060,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 4 $ 1,220,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 900,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 610,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 790,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 4 $ 1,110,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 3 $ 435,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 815,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ n/a 3 $ 245,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 995,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 645,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 3 $ 925,000
Mazuma Credit Union
7260 W 135TH STREET
OVERLAND PARK, KS 66223
* $ n/a 3 $ 505,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 3 $ 1,105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 805,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ n/a 3 $ 525,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 3 $ 265,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 3 $ 755,000
First Federal Bank of Kansas City

LENEXA, KS 66211
* $ n/a 3 $ 875,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ n/a 3 $ 1,305,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 3 $ 765,000
Pony Express Bank
215 NORTH 291 HIGHWAY
LIBERTY, MO 64068
* $ n/a 3 $ 515,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 580,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ n/a 2 $ 450,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 370,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 390,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ n/a 2 $ 430,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 480,000
Mainstreet Federal Credit Union
13001 W 95TH STREET
LENEXA, KS 66215
* $ n/a 2 $ 130,000
Great American Bank
888A NEW HAMPSHIRE ST
LAWRENCE, KS 66044
* $ n/a 2 $ 270,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 560,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 2 $ 1,000,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 390,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ n/a 2 $ 530,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 480,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 710,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 2 $ 530,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 420,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ n/a 2 $ 790,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 2 $ 500,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 325,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ n/a 1 $ 205,000
Ony Glo, Inc.
6 HUTTON CENTRE DRIVE #1030
SANTA ANA, CA 92707
* $ n/a 1 $ 205,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 85,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 175,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 105,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ n/a 1 $ 335,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 55,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ n/a 1 $ 215,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 145,000
Exchange Bank & Trust
PO BOX 189
ATCHISON, KS 66002
* $ n/a 1 $ 855,000
First Option Bank
702 BAPTISTE DR.
PAOLA, KS 66071
* $ n/a 1 $ 35,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ n/a 1 $ 115,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 135,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 65,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ n/a 1 $ 145,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 225,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 455,000
Azura Credit Union
610 SW 10TH AVENUE
TOPEKA, KS 66612
* $ n/a 1 $ 45,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 55,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 145,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 205,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 115,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ n/a 1 $ 215,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ n/a 1 $ 75,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 325,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 275,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ n/a 1 $ 155,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 155,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 265,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 195,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 95,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 445,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 1 $ 15,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 1 $ 355,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 255,000
Mutual Savings Association
100 S 4TH STREET
LEAVENWORTH, KS 66048
* $ n/a 1 $ 355,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 25,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ n/a 1 $ 325,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ n/a 1 $ 175,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ n/a 1 $ 445,000
Connections Bank
PO BOX 380
PLATTE CITY, MO 64079
* $ n/a 1 $ 425,000
Four Points Federal Credit Union
510 N 127TH ST
OMAHA, NE 68137
* $ n/a 1 $ 145,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 335,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 285,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ n/a 1 $ 165,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ n/a 1 $ 115,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 365,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 75,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 245,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 195,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 265,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 145,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 235,000
Bendena State Bank
933 FRIENDSHIP RD. PO BOX 147
BENDENA, KS 66008
* $ n/a 1 $ 405,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 1 $ 225,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 495,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 1 $ 325,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 365,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 215,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 55,000

The tables below break down 2024 mortgage applications in Clinton County, MO 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, MO in 2024

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 487 $113,985,000 $234,000 $855,000 $107,000 $2,938,000
Cash-out Refinancing 175 $36,065,000 $206,000 $585,000 $96,000 $332,000
Other Purpose 102 $8,710,000 $85,000 $435,000 $100,000 $300,000
Refinancing 101 $23,555,000 $233,000 $855,000 $113,000 $353,000
Home Improvement 84 $5,450,000 $64,000 $275,000 $118,000 $718,000
Not Applicable 0 $0 $0 $0 $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 698 $132,030,000 $189,000 $855,000 $107,000 $2,938,000
Not applicable 117 $26,895,000 $229,000 $645,000 $108,000 $108,000
Not Provided 89 $20,335,000 $228,000 $825,000 $103,000 $306,000
Hispanic 19 $4,335,000 $228,000 $485,000 $105,000 $190,000
Black or African American 14 $2,080,000 $148,000 $455,000 $80,000 $200,000
American Indian or Alaskan Native 7 $1,295,000 $185,000 $305,000 $88,000 $158,000
Asian 4 $450,000 $112,000 $235,000 $77,000 $135,000
Native Hawaiian or Other Pacific Islander 1 $345,000 $345,000 $345,000 $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) 663 $115,435,000 $174,000 $855,000 $113,000 $2,938,000
FHA-insured (Federal Housing Administration) 174 $39,690,000 $228,000 $485,000 $85,000 $329,000
VA-guaranteed (Veterans Administration) 95 $28,415,000 $299,000 $675,000 $85,000 $148,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $4,225,000 $248,000 $375,000 $90,000 $105,000

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 515 $100,315,000 $194,000 $855,000 $112,000 $2,938,000
Application Withdrawn By Applicant 137 $27,825,000 $203,000 $805,000 $95,000 $330,000
Application Denied By Financial Institution 129 $21,305,000 $165,000 $855,000 $105,000 $353,000
Loan Purchased By The Institution 118 $29,070,000 $246,000 $645,000 $79,000 $229,000
Application Approved But Not Accepted 25 $5,005,000 $200,000 $515,000 $91,000 $300,000
File Closed For Incompleteness 25 $4,245,000 $169,000 $525,000 $90,000 $175,000
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
Not applicable 721 $148,275,000 $205,000 $825,000 $101,000 $718,000
Debt-To-Income Ratio 138 $24,930,000 $180,000 $855,000 $131,000 $2,938,000
Credit History 37 $4,605,000 $124,000 $445,000 $111,000 $243,000
Credit Application Incomplete 21 $4,055,000 $193,000 $645,000 $123,000 $300,000
Collateral 18 $2,920,000 $162,000 $535,000 $84,000 $134,000
Other 9 $2,165,000 $240,000 $855,000 $109,000 $353,000
Unverifiable Information 4 $740,000 $185,000 $375,000 $77,000 $129,000
Insufficient Cash (Downpayment, Closing Cost) 1 $75,000 $75,000 $75,000 $54,000 $54,000
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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