Cole County, MO Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 2,533 mortgage applications in Cole County, MO totaling $327.9 million, down 32% from 2013. The average application was for $129,000, and applicants reported an average income of $68,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was The Central Trust Bank, with 439 applications, followed by Jefferson Bank of Missouri 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 | 2,533 |
| Total Mortgage Loan Application Amount | $327,943,000 |
| Average Mortgage Loan Application Amount | $129,000 |
| Highest Mortgage Loan Application Amount | $2,668,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,051,000 |
* 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 |
|---|---|---|---|---|
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 1,935,967,000 | 439 | $ 55,285,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD. JEFFERSON CITY, MO 65101 |
* | $ 486,943,000 | 418 | $ 50,333,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,129,075,000 | 153 | $ 20,357,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ 371,487,000 | 139 | $ 25,378,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 112 | $ 14,706,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 260,434,000 | 99 | $ 11,342,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 92 | $ 8,745,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 85 | $ 9,480,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 57 | $ 6,912,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 46 | $ 6,075,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,184,373,000 | 41 | $ 8,504,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 36 | $ 4,739,000 |
| First Financial Credit Union 3124 W. EDGEWOOD DRIVE JEFFERSON CITY, MO 65109 |
* | $ 65,360,000 | 36 | $ 3,827,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 654,483,000 | 35 | $ 6,181,000 |
| Bank of St. Elizabeth 215 MAIN STREET, PO BOX 8 SAINT ELIZABETH, MO 65075 |
* | $ 106,800,000 | 33 | $ 3,669,000 |
| Legends Bank PO BOX 888 LINN, MO 65051 |
* | $ 273,404,000 | 33 | $ 3,274,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 32 | $ 3,986,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 27 | $ 3,734,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 25 | $ 3,640,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 25 | $ 3,114,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 24 | $ 5,112,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 24 | $ 2,900,000 |
| Community Point Bank 13218 RAILROAD AVE PO BOX 457 RUSSELLVILLE, MO 65074 |
* | $ 92,890,000 | 23 | $ 3,334,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 22 | $ 2,125,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 21 | $ 2,964,000 |
| Farmers Bank of Lohman P.O. BOX 22 LOHMAN, MO 65053 |
* | $ 60,047,000 | 20 | $ 1,625,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 17 | $ 2,103,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 16 | $ 1,833,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 260,398,000 | 15 | $ 2,910,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 12 | $ 2,142,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 11 | $ 2,095,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 2,006,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 10 | $ 982,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 16,642,506,000 | 9 | $ 1,149,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 9 | $ 980,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,293,139,000 | 9 | $ 1,501,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 8 | $ 387,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 8 | $ 800,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 853,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 855,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 7 | $ 681,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 6 | $ 1,148,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 95,323,000 | 6 | $ 684,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 6 | $ 683,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 602,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 5 | $ 930,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 94,638,000 | 5 | $ 742,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 5 | $ 584,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 5 | $ 456,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 558,000 |
| The Callaway Bank PO BOX 10 FULTON, MO 65251 |
* | $ 302,814,000 | 5 | $ 957,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 946,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 495,000 |
| Boone County National Bank 8TH & BROADWAY P O BOX 678 COLUMBIA, MO 65205 |
* | $ 1,418,776,000 | 4 | $ 501,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ 339,224,000 | 4 | $ 160,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 4 | $ 462,000 |
| Peoples Bank of Moniteau County 105 W ROW STREET JAMESTOWN, MO 65046 |
* | $ 53,985,000 | 4 | $ 513,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 120,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 392,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 441,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 3 | $ 502,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 231,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 3 | $ 405,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 3 | $ 868,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 3 | $ 362,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 3 | $ 839,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 3 | $ 262,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 342,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 3 | $ 409,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 3 | $ 253,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 280,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ 2,304,353,000 | 3 | $ 355,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,664,450,000 | 2 | $ 215,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,928,226,000 | 2 | $ 223,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,022,896,000 | 2 | $ 157,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ 305,003,000 | 2 | $ 104,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,556,442,000 | 2 | $ 543,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 336,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 450,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 139,828,000 | 2 | $ 271,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 2 | $ 130,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 158,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 2 | $ 283,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 2 | $ 210,000 |
| Bank of Bolivar PO BOX 560, 495 S. SPRINGFIELD BOLIVAR, MO 65613 |
* | $ 202,830,000 | 2 | $ 514,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 11,000 |
| Bank Star One 118 WEST 5TH STREET FULTON, MO 65251 |
* | $ 88,778,000 | 2 | $ 159,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 2 | $ 275,000 |
| The Tipton Latham Bank, National Association 800 W. HWY 50; PO BOX 759 TIPTON, MO 65081 |
* | $ 103,518,000 | 2 | $ 235,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 398,000 |
| Paramount Bond & Mortgage Co., Inc. 622 EMERSON RD SUITE 325 SAINT LOUIS, MO 63141 |
* | $ 29,655,000 | 1 | $ 55,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 100,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 0 | 1 | $ 201,000 |
| Peoples Savings Bank 101 BLUFF STREET RHINELAND, MO 65069 |
* | $ 204,804,000 | 1 | $ 190,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 128,245,000 | 1 | $ 176,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 163,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 239,452,000 | 1 | $ 50,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 1 | $ 83,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 133,000 |
| First Midwest Bank of Dexter 819 WEST BUSINESS HIGHWAY 60 DEXTER, MO 63841 |
* | $ 271,357,000 | 1 | $ 44,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 103,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 55,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 768,602,000 | 1 | $ 134,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 95,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 16,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 23,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 8,151,987,000 | 1 | $ 163,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 664,402,000 | 1 | $ 114,000 |
| F & M Bank and Trust Company PO BOX 938 HANNIBAL, MO 63401 |
* | $ 127,231,000 | 1 | $ 142,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 89,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 20,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 94,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 558,432,000 | 1 | $ 218,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 78,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 54,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 30,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 179,771,772,000 | 1 | $ 104,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 43,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 150,121,000 | 1 | $ 150,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 81,000 |
| Alliance Credit Union 1280 S HIGHWAY DR FENTON, MO 63026 |
* | $ 212,796,000 | 1 | $ 88,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,624,027,000 | 1 | $ 156,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 598,835,000 | 1 | $ 13,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,037,879,000 | 1 | $ 226,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ 557,434,000 | 1 | $ 51,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 106,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 11,932,556,000 | 1 | $ 77,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 97,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 79,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 385,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 68,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 86,000 |
| Central Bank of St. Louis 12218 MANCHEST RD. ST. LOUIS, MO 63131 |
* | $ 1,397,889,000 | 1 | $ 89,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 1 | $ 103,000 |
The tables below break down 2014 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 2014
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 | 1,398 | $189,015,000 | $135,000 | $990,000 | $66,000 | $1,051,000 |
| Refinancing | 891 | $121,904,000 | $136,000 | $2,668,000 | $68,000 | $655,000 |
| Home Improvement | 244 | $17,024,000 | $69,000 | $594,000 | $78,000 | $697,000 |
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 | 1,985 | $257,470,000 | $129,000 | $960,000 | $75,000 | $1,051,000 |
| Not Provided | 221 | $27,365,000 | $123,000 | $425,000 | $68,000 | $424,000 |
| Not applicable | 203 | $27,592,000 | $135,000 | $2,668,000 | $3,000 | $90,000 |
| Black or African American | 71 | $8,500,000 | $119,000 | $378,000 | $54,000 | $188,000 |
| Hispanic | 24 | $2,905,000 | $121,000 | $408,000 | $56,000 | $235,000 |
| Asian | 17 | $2,630,000 | $154,000 | $270,000 | $92,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $984,000 | $140,000 | $237,000 | $85,000 | $135,000 |
| American Indian or Alaskan Native | 5 | $497,000 | $99,000 | $144,000 | $25,000 | $73,000 |
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) | 1,960 | $255,872,000 | $130,000 | $2,668,000 | $75,000 | $1,051,000 |
| FHA-insured (Federal Housing Administration) | 284 | $30,909,000 | $108,000 | $262,000 | $41,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 226 | $33,114,000 | $146,000 | $378,000 | $49,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $8,048,000 | $127,000 | $238,000 | $46,000 | $75,000 |
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 | 1,659 | $212,232,000 | $127,000 | $2,668,000 | $73,000 | $1,051,000 |
| Application Denied By Financial Institution | 304 | $37,696,000 | $124,000 | $960,000 | $60,000 | $421,000 |
| Loan Purchased By The Institution | 218 | $30,471,000 | $139,000 | $417,000 | $43,000 | $422,000 |
| Application Withdrawn By Applicant | 162 | $21,425,000 | $132,000 | $960,000 | $63,000 | $560,000 |
| Application Approved But Not Accepted | 141 | $18,301,000 | $129,000 | $960,000 | $72,000 | $225,000 |
| File Closed For Incompleteness | 49 | $7,818,000 | $159,000 | $960,000 | $72,000 | $275,000 |
| 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 | 56 | $6,483,000 | $115,000 | $325,000 | $57,000 | $210,000 |
| Debt-To-Income Ratio | 41 | $5,139,000 | $125,000 | $417,000 | $54,000 | $234,000 |
| Collateral | 35 | $5,597,000 | $159,000 | $867,000 | $97,000 | $421,000 |
| Credit Application Incomplete | 6 | $834,000 | $139,000 | $220,000 | $57,000 | $98,000 |
| Other | 5 | $585,000 | $117,000 | $238,000 | $47,000 | $76,000 |
| Unverifiable Information | 4 | $608,000 | $152,000 | $192,000 | $35,000 | $52,000 |
| Employment History | 4 | $434,000 | $108,000 | $151,000 | $41,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $74,000 | $74,000 |
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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