Cole County, MO Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 3,745 mortgage applications in Cole County, MO totaling $484.2 million, down 24% from 2012. The average application was for $129,000, and applicants reported an average income of $69,000. 67% of applications resulted in an originated loan and 10% were denied. The most active lender was Jefferson Bank of Missouri, with 723 applications, followed by Central Trust Bank and Hawthorn 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 3,745
Total Mortgage Loan Application Amount $484,219,000
Average Mortgage Loan Application Amount $129,000
Highest Mortgage Loan Application Amount $14,668,000
Average Applicant Income $69,000
Highest Applicant Income $1,204,000

Mortgage Company List for Lending in Cole County, MO for 2013

* 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
Jefferson Bank of Missouri
700 SOUTHWEST BLVD
JEFFERSON CITY, MO 65102
* $ 487,118,000 723 $ 85,334,000
Central Trust Bank
238 MADISON STREET
JEFFERSON CITY, MO 65101
* $ 1,967,779,000 628 $ 86,412,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,161,781,000 250 $ 29,142,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 223 $ 30,879,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 243,492,000 199 $ 23,701,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 266,082,000 155 $ 20,164,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 120,420,787,000 110 $ 9,264,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 104 $ 11,700,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 91 $ 12,008,000
First Financial Credit Union
3124 W. EDGEWOOD DRIVE
JEFFERSON CITY, MO 65109
* $ 67,616,000 78 $ 8,401,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 76 $ 9,735,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,587,134,000 74 $ 11,804,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 83,573,000 57 $ 2,178,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 52 $ 6,012,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 42 $ 4,830,000
Community Point Bank
13218 RAILROAD AVE PO BOX 457
RUSSELLVILLE, MO 65074
* $ 93,795,000 40 $ 4,380,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 39 $ 5,267,000
Bank of St. Elizabeth
215 MAIN STREET, PO BOX 8
SAINT ELIZABETH, MO 65075
* $ 101,262,000 37 $ 4,528,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 35 $ 3,223,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 33 $ 4,202,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 266,761,000 33 $ 5,522,000
Legends Bank
PO BOX 888
LINN, MO 65051
* $ 268,833,000 30 $ 2,629,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 30 $ 3,915,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 30 $ 5,110,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 24 $ 2,401,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 23 $ 3,992,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 23 $ 1,869,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 22 $ 2,886,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 21 $ 2,915,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 18 $ 2,104,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 18 $ 2,668,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 17 $ 2,557,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 90,098,000 16 $ 1,791,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 16 $ 2,858,000
Farmers Bank of Lohman
P.O. BOX 22
LOHMAN, MO 65053
* $ 57,188,000 14 $ 1,203,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,357,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 14,689,863,000 12 $ 1,779,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 12 $ 1,581,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 11 $ 1,449,000
Providence Bank
3855 FORUM BOULEVARD
COLUMBIA, MO 65203
* $ 674,972,000 11 $ 1,306,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 10 $ 1,202,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 9 $ 1,488,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 9 $ 439,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 22,017,122,000 8 $ 1,241,000
Boone County National Bank
8TH & BROADWAY P O BOX 678
COLUMBIA, MO 65205
* $ 1,431,785,000 8 $ 1,308,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 7 $ 812,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 7 $ 608,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 7 $ 941,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 7 $ 1,101,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 6 $ 741,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 295,501,000 6 $ 624,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,381,142,000 5 $ 1,176,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 5 $ 718,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 5 $ 575,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 5 $ 771,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 5 $ 494,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 5 $ 346,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 5 $ 1,113,000
Peoples Bank of Moniteau County
105 W ROW STREET
JAMESTOWN, MO 65046
* $ 51,423,000 4 $ 233,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 126,896,000 4 $ 539,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,953,615,000 3 $ 618,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 164,424,000 3 $ 391,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 3 $ 194,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 3 $ 572,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 559,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 423,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 3 $ 383,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,232,230,000 3 $ 780,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 324,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 193,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 2 $ 247,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 2 $ 2,216,000
Midwest Mortgage Capital, LLC
12400 OLIVE BLVD
SAINT LOUIS, MO 63141
* $ 2,000,000 2 $ 301,000
Southern Missouri Bank of Marshfield
PO BOX M 1292 BANNING ST
MARSHFIELD, MO 65706
* $ 98,854,000 2 $ 285,000
Paramount Bond & Mortgage Co., Inc.
622 EMERSON RD SUITE 325
SAINT LOUIS, MO 63141
* $ 29,655,000 2 $ 231,000
Heritage Community Bank
100 E LOCUST ST
UNION, MO 63084
* $ 69,922,000 2 $ 71,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 235,725,000 2 $ 12,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,241,781,000 2 $ 151,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 266,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 198,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 646,232,000 2 $ 22,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 2 $ 475,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 2 $ 320,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 204,291,000 2 $ 289,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 1,751,541,000 2 $ 353,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 2 $ 360,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ 49,711,000 2 $ 225,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 889,173,000 1 $ 120,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 517,600,000 1 $ 247,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 1 $ 120,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 13,199,987,000 1 $ 101,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 1 $ 10,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 1 $ 159,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 1 $ 155,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 140,392,000 1 $ 104,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 16,553,533,000 1 $ 182,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 641,118,000 1 $ 175,000
Abd Federal Credit Union
27850 MOUND RD
WARREN, MI 48092
* $ 59,604,000 1 $ 8,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 95,264,963,000 1 $ 89,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 1 $ 215,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 27,934,078,000 1 $ 108,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 186,789,896,000 1 $ 117,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,164,405,000 1 $ 20,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 962,277,000 1 $ 110,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 139,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 142,742,000 1 $ 40,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 126,401,000 1 $ 90,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 212,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 149,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 204,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 14,668,000
First Missouri Bank
PO BOX 190
BROOKFIELD, MO 64628
* $ 146,401,000 1 $ 174,000
Origin Bank

HOUSTON, TX 77024
* $ 3,076,739,000 1 $ 115,000
Town & Country Bank
PO BOX 349
SALEM, MO 65560
* $ 516,265,000 1 $ 262,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 467,666,000 1 $ 230,000
Mill City Credit Union
9999 WAYZATA BOULEVARD
MINNETONKA, MN 55305
* $ 308,627,000 1 $ 105,000
Nbh Bank, N.A.
1111 MAIN, SUITE 2700
KANSAS CITY, MO 64105
* $ 5,302,932,000 1 $ 94,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,946,864,000 1 $ 1,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ 1,164,535,000 1 $ 1,566,000
Blue Ridge Bank and Trust Co.
4200 LITTLE BLUE PARKWAY
INDEPENDENCE, MO 64057
* $ 477,430,000 1 $ 308,000
Bank Star One
118 WEST 5TH STREET
FULTON, MO 65251
* $ 93,315,000 1 $ 150,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,460,729,000 1 $ 94,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 68,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 283,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 376,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 124,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 1 $ 105,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 87,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 98,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ 1,300,000 1 $ 86,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 1 $ 171,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 211,000
Liberty Bank
4625 S. NATIONAL
SPRINGFIELD, MO 65810
* $ 1,063,852,000 1 $ 125,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 1 $ 74,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 3,670,975,000 1 $ 351,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,736,022,000 1 $ 100,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ 345,880,000 1 $ 94,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 334,433,000 1 $ 155,000
The Nodaway Valley Bank
P. O. BOX 7315, 402 N. BELT HWY
MARYVILLE, MO 64468
* $ 827,239,000 1 $ 80,000
Fortress Bank
9000 N. KNOXVILLE AVENUE
PEORIA, IL 61615
* $ 272,002,000 1 $ 129,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 61,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 74,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 109,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 86,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 184,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 100,000
F&B Acquisition Group LLC
12412 POWERSCOURT DRIVE STE. 20
ST. LOUIS, MO 63131
* $ 11,709,000 1 $ 176,000

The tables below break down 2013 mortgage applications in Cole 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 Cole County, MO in 2013

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 1,959 $273,497,000 $139,000 $14,668,000 $72,000 $1,204,000
Home Purchase 1,435 $189,317,000 $131,000 $550,000 $64,000 $953,000
Home Improvement 351 $21,405,000 $60,000 $600,000 $77,000 $599,000

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 2,998 $369,893,000 $123,000 $2,060,000 $73,000 $1,124,000
Not Provided 325 $43,597,000 $134,000 $1,450,000 $80,000 $1,204,000
Not applicable 241 $49,872,000 $206,000 $14,668,000 $10,000 $695,000
Black or African American 106 $11,645,000 $109,000 $320,000 $60,000 $173,000
Hispanic 40 $4,448,000 $111,000 $392,000 $60,000 $640,000
Asian 21 $3,195,000 $152,000 $296,000 $98,000 $180,000
American Indian or Alaskan Native 11 $1,243,000 $113,000 $259,000 $66,000 $156,000
Native Hawaiian or Other Pacific Islander 3 $326,000 $108,000 $138,000 $36,000 $40,000

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) 2,991 $368,348,000 $123,000 $4,774,000 $76,000 $1,204,000
FHA-insured (Federal Housing Administration) 392 $60,488,000 $154,000 $14,668,000 $41,000 $150,000
VA-guaranteed (Veterans Administration) 275 $43,625,000 $158,000 $531,000 $49,000 $203,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 87 $11,758,000 $135,000 $264,000 $47,000 $99,000

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 2,501 $309,957,000 $123,000 $4,774,000 $74,000 $1,204,000
Application Denied By Financial Institution 386 $44,076,000 $114,000 $3,000,000 $54,000 $247,000
Loan Purchased By The Institution 365 $64,498,000 $176,000 $14,668,000 $50,000 $695,000
Application Withdrawn By Applicant 232 $31,362,000 $135,000 $2,060,000 $68,000 $500,000
Application Approved But Not Accepted 222 $28,686,000 $129,000 $531,000 $79,000 $642,000
File Closed For Incompleteness 39 $5,640,000 $144,000 $370,000 $49,000 $240,000
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 105 $9,295,000 $88,000 $371,000 $58,000 $169,000
Debt-To-Income Ratio 57 $10,437,000 $183,000 $3,000,000 $42,000 $120,000
Collateral 31 $3,759,000 $121,000 $287,000 $70,000 $197,000
Credit Application Incomplete 18 $2,627,000 $145,000 $235,000 $61,000 $117,000
Other 13 $1,194,000 $91,000 $184,000 $61,000 $247,000
Employment History 7 $560,000 $80,000 $135,000 $53,000 $91,000
Unverifiable Information 6 $638,000 $106,000 $128,000 $66,000 $101,000
Insufficient Cash (Downpayment, Closing Cost) 3 $519,000 $173,000 $266,000 $100,000 $141,000
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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