Columbia County, FL Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,865 mortgage applications in Columbia County, FL totaling $219.5 million, up 29% from 2011. The average application was for $117,000, and applicants reported an average income of $61,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was First Federal Bank, with 348 applications, followed by 21st Mortgage and Wells Fargo Bank NA.

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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 1,865
Total Mortgage Loan Application Amount $219,534,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $2,560,000
Average Applicant Income $61,000
Highest Applicant Income $947,000

Mortgage Company List for Lending in Columbia County, FL for 2012

* 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 Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 978,405,000 348 $ 45,542,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 170 $ 9,430,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 152 $ 18,295,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 117 $ 9,537,000
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ 4,389,883,000 82 $ 7,109,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 75 $ 10,724,000
Alarion Bank
2510 SE MARICAMP ROAD
OCALA, FL 34471
* $ 283,974,000 73 $ 10,991,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 69 $ 6,603,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 66 $ 8,071,000
Campus USA Credit Union
14007 NW 1ST RD
NEWBERRY, FL 32669
* $ 1,080,639,000 45 $ 3,969,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 33 $ 1,938,000
Florida Credit Union
PO BOX 5549
GAINESVILLE, FL 32627
* $ 459,527,000 33 $ 2,358,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 24 $ 3,995,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 22 $ 3,444,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 21 $ 3,147,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 20 $ 3,456,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 20 $ 2,512,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 19 $ 157,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 18 $ 2,032,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 16 $ 3,214,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 16 $ 2,024,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 15 $ 2,012,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 14 $ 1,940,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 12 $ 1,057,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 12 $ 2,183,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 12 $ 1,585,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 11 $ 1,374,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 10 $ 877,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,617,318,000 10 $ 742,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 10 $ 889,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 9 $ 940,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,697,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 9 $ 1,478,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 950,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 8 $ 603,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 8 $ 1,369,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 8 $ 1,590,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 7 $ 1,023,000
Heritagebank of the South
3333 PEACHTREE RD NE SUITE M-10
ATLANTA, GA 30326
* $ 1,086,660,000 7 $ 513,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 7 $ 834,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 7 $ 607,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 7 $ 915,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 975,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 954,000
Prosperity Bank
100 SOUTHPARK BLVD
ST AUGUSTINE, FL 32086
* $ 779,271,000 5 $ 886,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 5 $ 334,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 5 $ 474,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 5 $ 1,214,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 4 $ 551,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ 5,479,000 4 $ 570,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 3 $ 387,000
Suburban Mortgage Co of Nm
9401 JERONIMO ROAD STE 200
IRVINE, CA 92618
* $ 10,000,000 3 $ 529,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 3 $ 480,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 3 $ 510,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 3 $ 261,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 3 $ 345,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 3 $ 21,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 63,106,987,000 3 $ 600,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 3 $ 48,000
Homebanc, N.A.
3704 W. LAKE MARY BLVD
LAKE MARY, FL 32746
* $ 450,789,000 3 $ 323,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ 4,928,571,000 3 $ 376,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 3 $ 490,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 218,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 230,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 2 $ 280,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 2 $ 180,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 2 $ 163,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 2 $ 297,000
Lafayette State Bank
340 W MAIN STREET
MAYO, FL 32066
* $ 90,910,000 2 $ 102,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 2 $ 30,000
Usameribank
4790 140TH AVE N
CLEARWATER, FL 33762
* $ 2,120,766,000 2 $ 3,940,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 2 $ 295,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 831,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 2 $ 281,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 2 $ 293,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 389,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 206,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 2 $ 201,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 2 $ 442,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 290,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 52,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 170,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 166,000
Mortgage Lenders Investment Tr
1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY
LAKE MARY, FL 32746
* $ 2,578,000 1 $ 82,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 110,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 96,000
Meadowbrook Financial Mortgage Bankers Corp.
1600 STEWART AVE.; SUITE 701
WESTBURY, NY 11590
* $ 10,000,000 1 $ 270,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 274,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 188,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 112,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 1 $ 149,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ 10,000,000 1 $ 83,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 116,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 150,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 212,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 217,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 192,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 255,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 273,000
Terrace Mortgage Company
900 ASHWOOD PKWY. STE. 130
ATLANTA, GA 30338
* $ 40,450,000 1 $ 268,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 183,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 97,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 71,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 1 $ 52,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 184,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 222,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 211,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 26,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 193,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 189,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 78,146,882,000 1 $ 142,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 1 $ 705,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 75,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 1 $ 144,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 185,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 28,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 211,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 1 $ 40,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,179,394,000 1 $ 242,000
Drummond Community Bank
P O BOX 1039, 1627 NORTH YOUNG BLVD.
CHIEFLAND, FL 32644
* $ 200,077,000 1 $ 198,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 162,000
Arizona Bank & Trust
2036 E CAMELBACK RD
PHOENIX, AZ 85016
* $ 227,993,000 1 $ 219,000
Bank of the Ozarks
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 3,828,011,000 1 $ 129,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 951,995,000 1 $ 210,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 72,848,000 1 $ 56,000
Origin Bank

HOUSTON, TX 77024
* $ 2,470,701,000 1 $ 50,000
First Avenue National Bank
910 SW 1ST AVENUE
OCALA, FL 34471
* $ 99,230,000 1 $ 23,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 374,787,000 1 $ 185,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,140,785,000 1 $ 83,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 1 $ 56,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 165,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 76,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 1,451,480,000 1 $ 193,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 164,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 1 $ 144,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,003,189,000 1 $ 5,000
Space Coast Credit Union
8045 N. WICKHAM RD
MELBOURNE, FL 32940
* $ 3,026,215,000 1 $ 60,000
Sun Credit Union
4205 HOLLYWOOD BLVD
HOLLYWOOD, FL 33021
* $ 55,399,000 1 $ 158,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,580,221,000 1 $ 130,000
Midflorida Credit Union
3004 S FLORIDA AVE
LAKELAND, FL 33801
* $ 1,597,449,000 1 $ 266,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 80,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 191,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 53,000
Direct Lenders, Llc.
1600 KENNESAW DUE WEST ROAD SUITE 610
KENNESAW, GA 30152
* $ 1,250,000 1 $ 110,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 82,000

The tables below break down 2012 mortgage applications in Columbia County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Columbia County, FL in 2012

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 904 $129,267,000 $142,000 $2,560,000 $65,000 $768,000
Home Purchase 842 $86,718,000 $102,000 $437,000 $58,000 $947,000
Home Improvement 119 $3,549,000 $29,000 $200,000 $48,000 $422,000

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 1,377 $161,579,000 $117,000 $500,000 $67,000 $947,000
Black or African American 133 $12,043,000 $90,000 $370,000 $46,000 $230,000
Not Provided 132 $15,681,000 $118,000 $705,000 $60,000 $406,000
Not applicable 121 $17,450,000 $144,000 $2,560,000 $9,000 $146,000
Hispanic 62 $7,195,000 $116,000 $306,000 $68,000 $419,000
Asian 25 $3,270,000 $130,000 $220,000 $51,000 $151,000
American Indian or Alaskan Native 11 $1,613,000 $146,000 $415,000 $79,000 $339,000
Native Hawaiian or Other Pacific Islander 4 $703,000 $175,000 $327,000 $110,000 $300,000

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) 1,229 $139,843,000 $113,000 $2,560,000 $70,000 $947,000
FHA-insured (Federal Housing Administration) 333 $36,990,000 $111,000 $268,000 $42,000 $506,000
VA-guaranteed (Veterans Administration) 167 $26,503,000 $158,000 $437,000 $50,000 $212,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 136 $16,198,000 $119,000 $268,000 $38,000 $91,000

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 799 $104,010,000 $130,000 $2,560,000 $69,000 $947,000
Application Denied By Financial Institution 545 $51,550,000 $94,000 $705,000 $56,000 $506,000
Loan Purchased By The Institution 199 $23,816,000 $119,000 $437,000 $28,000 $656,000
Application Withdrawn By Applicant 178 $23,302,000 $130,000 $417,000 $74,000 $886,000
Application Approved But Not Accepted 93 $9,228,000 $99,000 $1,380,000 $56,000 $306,000
File Closed For Incompleteness 50 $7,548,000 $150,000 $705,000 $92,000 $394,000
Preapproval Approved but not Accepted 1 $80,000 $80,000 $80,000 $21,000 $21,000
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
Credit History 200 $13,966,000 $69,000 $400,000 $47,000 $300,000
Debt-To-Income Ratio 109 $8,223,000 $75,000 $270,000 $41,000 $182,000
Collateral 78 $10,214,000 $130,000 $500,000 $78,000 $506,000
Credit Application Incomplete 30 $3,776,000 $125,000 $273,000 $66,000 $145,000
Other 30 $3,995,000 $133,000 $314,000 $74,000 $288,000
Unverifiable Information 14 $1,780,000 $127,000 $232,000 $82,000 $249,000
Employment History 7 $945,000 $135,000 $384,000 $49,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 6 $426,000 $71,000 $134,000 $57,000 $116,000
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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