Coles County, IL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,049 mortgage applications in Coles County, IL totaling $106.5 million, up 8% from 2015. The average application was for $101,000, and applicants reported an average income of $63,000. 60% of applications resulted in an originated loan and 19% were denied. The most active lender was First Mid Bank and Trust, NA, with 240 applications, followed by US Bank, N.A. and Prairie State Bank & Trust.
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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 | 1,049 |
| Total Mortgage Loan Application Amount | $106,470,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $4,320,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $750,000 |
* 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 |
|---|---|---|---|---|
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 2,105,732,000 | 240 | $ 20,007,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 88 | $ 9,179,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 709,932,000 | 80 | $ 7,588,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 42 | $ 3,284,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 35 | $ 3,921,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 31 | $ 3,944,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,882,577,000 | 29 | $ 2,073,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 28 | $ 2,402,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 350,254,000 | 26 | $ 1,932,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 520,614,000 | 17 | $ 1,080,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 17 | $ 2,578,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 449,541,000 | 16 | $ 5,270,000 |
| Peoples Bank & Trust 200 S LOCUST, PO BOX 350 PANA, IL 62557 |
* | $ 403,812,000 | 14 | $ 2,238,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 11 | $ 905,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,202,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 10 | $ 1,421,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 9 | $ 804,000 |
| Dieterich Bank, National Association 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 574,090,000 | 9 | $ 621,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 8 | $ 415,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 647,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 221,510,000 | 7 | $ 550,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 7 | $ 132,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 411,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 177,497,000 | 6 | $ 734,000 |
| Scott State Bank 101 WEST MAIN STREET BETHANY, IL 61914 |
* | $ 159,834,000 | 6 | $ 421,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 623,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 284,800,000 | 6 | $ 613,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 6 | $ 180,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 5 | $ 727,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 522,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 339,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 5 | $ 490,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 440,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 5 | $ 602,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 5 | $ 735,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 5 | $ 830,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 4 | $ 676,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 4 | $ 503,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,476,311,000 | 4 | $ 261,000 |
| Performance Equity Partners, Inc. PO BOX 368 TINLEY PARK, IL 60477 |
* | $ 10,231,000 | 4 | $ 76,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 368,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 306,758,000 | 4 | $ 188,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 4 | $ 326,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 4 | $ 409,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 4 | $ 256,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 4 | $ 24,000 |
| Longview Bank 102 S EAST AVE P.O.BOX 47 OGDEN, IL 61859 |
* | $ 178,998,000 | 4 | $ 277,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 228,272,000 | 4 | $ 475,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 621,057,000 | 4 | $ 585,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 419,284,000 | 3 | $ 119,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 269,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 504,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 227,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 2,883,399,000 | 3 | $ 262,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 3 | $ 462,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ 1,198,484,000 | 3 | $ 279,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 175,672,000 | 3 | $ 353,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 3 | $ 141,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 3 | $ 425,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 333,575,000 | 2 | $ 370,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 2 | $ 65,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 2 | $ 346,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ 12,837,000 | 2 | $ 153,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 266,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 161,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 304,336,000 | 2 | $ 60,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 2 | $ 427,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 107,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 516,267,000 | 2 | $ 59,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 2 | $ 130,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 2 | $ 45,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,958,614,000 | 2 | $ 160,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 2 | $ 265,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 176,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,073,879,000 | 2 | $ 339,000 |
| Home State Bank National Association 40 GRANT STREET CRYSTAL LAKE, IL 60014 |
* | $ 602,889,000 | 1 | $ 177,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 1 | $ 180,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 144,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,475,176,000 | 1 | $ 120,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 200,000 |
| Bank of Modesto 201 EAST STATE, PO BOX 19 MODESTO, IL 62667 |
* | $ 47,333,000 | 1 | $ 85,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 57,000 |
| The Gerber State Bank PO BOX 410 ARGENTA, IL 62501 |
* | $ 76,479,000 | 1 | $ 73,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,356,237,000 | 1 | $ 115,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 149,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 8,128,215,000 | 1 | $ 37,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 100,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 124,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,297,355,000 | 1 | $ 100,000 |
| Consumers Credit Union 1075 TRI STATE PARKWAY STE 850 GURNEE, IL 60031 |
* | $ 901,950,000 | 1 | $ 54,000 |
| Decatur Earthmover Credit Union 260 WEST MARION AVENUE FORSYTH, IL 62535 |
* | $ 266,909,000 | 1 | $ 23,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 243,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 126,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ 512,000 | 1 | $ 54,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 78,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 123,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 78,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 184,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 30,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ 1,003,316,000 | 1 | $ 86,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 650,443,000 | 1 | $ 75,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 303,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 96,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 299,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ 1,341,000 | 1 | $ 117,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ 10,000,000 | 1 | $ 58,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 126,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 98,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 328,575,000 | 1 | $ 95,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 268,926,000 | 1 | $ 4,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 20,000 |
| First National Bank of Pana 306 S. LOCUST ST. PANA, IL 62557 |
* | $ 172,854,000 | 1 | $ 45,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 104,121,677,000 | 1 | $ 94,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 52,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 11,846,211,000 | 1 | $ 4,320,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 39,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 11,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,134,877,000 | 1 | $ 60,000 |
The tables below break down 2016 mortgage applications in Coles 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 Coles County, IL in 2016
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 | 501 | $55,576,000 | $110,000 | $4,320,000 | $59,000 | $439,000 |
| Refinancing | 421 | $45,644,000 | $108,000 | $1,601,000 | $66,000 | $750,000 |
| Home Improvement | 127 | $5,250,000 | $41,000 | $321,000 | $66,000 | $576,000 |
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 | 889 | $84,669,000 | $95,000 | $1,601,000 | $67,000 | $750,000 |
| Not applicable | 76 | $14,001,000 | $184,000 | $4,320,000 | $15,000 | $623,000 |
| Not Provided | 53 | $4,635,000 | $87,000 | $318,000 | $60,000 | $222,000 |
| Hispanic | 11 | $832,000 | $75,000 | $285,000 | $26,000 | $59,000 |
| Black or African American | 8 | $833,000 | $104,000 | $157,000 | $32,000 | $93,000 |
| Asian | 6 | $786,000 | $131,000 | $322,000 | $76,000 | $118,000 |
| American Indian or Alaskan Native | 4 | $419,000 | $104,000 | $150,000 | $85,000 | $193,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $295,000 | $147,000 | $162,000 | $160,000 | $215,000 |
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) | 672 | $69,071,000 | $102,000 | $4,320,000 | $76,000 | $750,000 |
| FHA-insured (Federal Housing Administration) | 137 | $12,673,000 | $92,000 | $228,000 | $40,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 135 | $10,248,000 | $75,000 | $173,000 | $28,000 | $150,000 |
| VA-guaranteed (Veterans Administration) | 105 | $14,478,000 | $137,000 | $306,000 | $53,000 | $149,000 |
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 | 629 | $69,859,000 | $111,000 | $4,320,000 | $68,000 | $430,000 |
| Application Denied By Financial Institution | 199 | $16,220,000 | $81,000 | $490,000 | $64,000 | $750,000 |
| Loan Purchased By The Institution | 103 | $9,328,000 | $90,000 | $306,000 | $31,000 | $623,000 |
| Application Withdrawn By Applicant | 70 | $6,688,000 | $95,000 | $280,000 | $69,000 | $430,000 |
| File Closed For Incompleteness | 28 | $2,702,000 | $96,000 | $228,000 | $42,000 | $96,000 |
| Application Approved But Not Accepted | 20 | $1,673,000 | $83,000 | $241,000 | $69,000 | $439,000 |
| 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 | 51 | $2,643,000 | $51,000 | $249,000 | $64,000 | $576,000 |
| Debt-To-Income Ratio | 19 | $2,153,000 | $113,000 | $322,000 | $54,000 | $200,000 |
| Collateral | 17 | $1,657,000 | $97,000 | $417,000 | $100,000 | $750,000 |
| Other | 15 | $1,236,000 | $82,000 | $490,000 | $71,000 | $198,000 |
| Credit Application Incomplete | 12 | $661,000 | $55,000 | $117,000 | $56,000 | $121,000 |
| Unverifiable Information | 7 | $709,000 | $101,000 | $248,000 | $124,000 | $430,000 |
| Employment History | 4 | $227,000 | $56,000 | $90,000 | $58,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $267,000 | $66,000 | $108,000 | $40,000 | $53,000 |
| 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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