Covington County, AL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,348 mortgage applications in Covington County, AL totaling $148.1 million, up 7% from 2011. The average application was for $109,000, and applicants reported an average income of $68,000. 47% of applications resulted in an originated loan and 24% were denied. The most active lender was Truist Bank, with 176 applications, followed by Ccb Community Bank 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 | 1,348 |
| Total Mortgage Loan Application Amount | $148,134,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $794,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $7,176,000 |
* 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 |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 176 | $ 21,747,000 |
| Ccb Community Bank 225 E THREE NOTCH STREET ANDALUSIA, AL 36420 |
* | $ 392,379,000 | 160 | $ 17,973,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 153 | $ 16,139,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 128 | $ 12,667,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 70 | $ 6,988,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 59 | $ 7,392,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 48 | $ 3,478,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 36 | $ 2,053,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 29 | $ 2,889,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 28 | $ 3,177,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 3,907,053,000 | 22 | $ 2,041,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 19 | $ 202,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 17 | $ 1,978,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 14 | $ 2,315,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 14 | $ 2,582,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 13 | $ 2,075,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ 1,033,235,000 | 13 | $ 1,043,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 13 | $ 1,295,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 11 | $ 1,619,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 10 | $ 1,734,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,419,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,073,987,000 | 9 | $ 1,450,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,090,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 8 | $ 1,030,000 |
| Banktrust 107 ST FRANCIS STREET MOBILE, AL 36602 |
* | $ 2,040,780,000 | 7 | $ 199,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 7 | $ 1,221,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 7 | $ 558,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,140,407,000 | 6 | $ 349,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 6 | $ 164,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 626,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 6 | $ 981,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 969,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 5 | $ 460,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 494,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 5 | $ 641,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 529,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 5 | $ 633,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 463,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 5 | $ 84,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 4 | $ 546,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 4 | $ 388,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 4 | $ 66,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 4 | $ 402,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 4 | $ 476,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 4 | $ 283,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 646,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 544,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 668,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 309,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 653,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 4 | $ 621,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 3 | $ 489,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 489,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 3 | $ 884,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 3 | $ 679,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 3 | $ 386,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 420,000 |
| The Samson Banking Company, Inc. 2 WEST MAIN ST SAMSON, AL 36477 |
* | $ 56,846,000 | 3 | $ 201,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 3 | $ 260,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 3 | $ 334,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Okaloosa County Teachers FCU 1126 N FERDON BLVD CRESTVIEW, FL 32536 |
* | $ 64,909,000 | 2 | $ 115,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 203,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 92,000 |
| Tuscaloosa Credit Union 1100 21ST AVENUE TUSCALOOSA, AL 35401 |
* | $ 53,502,000 | 2 | $ 203,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,129,510,000 | 2 | $ 150,000 |
| United Bank PO BOX 8 ATMORE, AL 36502 |
* | $ 446,414,000 | 2 | $ 100,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 446,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 2 | $ 279,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 210,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 2 | $ 308,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 2 | $ 307,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 320,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 379,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 2 | $ 56,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 352,056,000 | 2 | $ 113,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,612,081,000 | 2 | $ 274,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 2 | $ 194,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 324,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 393,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 438,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 171,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 120,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 241,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 209,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 55,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 88,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 172,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 114,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 91,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 569,541,000 | 1 | $ 29,000 |
| First Nnational Bank of Crestv 1301 INDUSTRIAL DRIVE / P.O. BOX 1119 CRESTVIEW, FL 32539 |
* | $ 107,943,000 | 1 | $ 3,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,839,722,000 | 1 | $ 20,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 171,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 2,304,426,000 | 1 | $ 120,000 |
| Trinity Bank PO BOX 1009 DOTHAN, AL 36302 |
* | $ 72,884,000 | 1 | $ 177,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 68,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 87,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 12,990,345,000 | 1 | $ 40,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,863,303,000 | 1 | $ 10,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 174,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,291,705,000 | 1 | $ 15,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 167,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 216,000 |
| Mortgage One of the South, Inc 15 N. EGLIN PARKWAY FORT WALTON BEACH, FL 32548 |
* | $ 428,904,000 | 1 | $ 219,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 8,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,074,816,000 | 1 | $ 59,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD ROAD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Jefferson Credit Union 5261 ROSS BRIDGE PARKWAY HOOVER, AL 35226 |
* | $ 65,454,000 | 1 | $ 51,000 |
| First Arkansas Bank and Trust 600 WEST MAIN STREET JACKSONVILLE, AR 72076 |
* | $ 681,477,000 | 1 | $ 19,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 2,231,779,000 | 1 | $ 324,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,172,543,000 | 1 | $ 168,000 |
| Envision Credit Union 440 NORTH MONROE ST. TALLAHASSEE, FL 32301 |
* | $ 229,476,000 | 1 | $ 38,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 43,000 |
| Direct Lenders, Llc. 1600 KENNESAW DUE WEST ROAD SUITE 610 KENNESAW, GA 30152 |
* | $ 1,250,000 | 1 | $ 107,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 100,000 |
The tables below break down 2012 mortgage applications in Covington County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Covington County, AL 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 | 770 | $99,687,000 | $129,000 | $794,000 | $75,000 | $7,176,000 |
| Home Purchase | 432 | $43,981,000 | $101,000 | $417,000 | $62,000 | $451,000 |
| Home Improvement | 146 | $4,466,000 | $30,000 | $201,000 | $50,000 | $647,000 |
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 | 1,078 | $119,992,000 | $111,000 | $794,000 | $73,000 | $7,176,000 |
| Not Provided | 120 | $12,901,000 | $107,000 | $417,000 | $57,000 | $506,000 |
| Black or African American | 83 | $6,900,000 | $83,000 | $293,000 | $55,000 | $407,000 |
| Not applicable | 52 | $6,624,000 | $127,000 | $455,000 | $14,000 | $291,000 |
| American Indian or Alaskan Native | 9 | $851,000 | $94,000 | $176,000 | $64,000 | $118,000 |
| Hispanic | 4 | $672,000 | $168,000 | $220,000 | $75,000 | $81,000 |
| Asian | 2 | $194,000 | $97,000 | $168,000 | $47,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 913 | $96,365,000 | $105,000 | $794,000 | $80,000 | $7,176,000 |
| FHA-insured (Federal Housing Administration) | 287 | $32,326,000 | $112,000 | $274,000 | $46,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 85 | $13,583,000 | $159,000 | $375,000 | $49,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $5,860,000 | $93,000 | $153,000 | $35,000 | $67,000 |
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 | 638 | $73,686,000 | $115,000 | $720,000 | $70,000 | $647,000 |
| Application Denied By Financial Institution | 317 | $26,680,000 | $84,000 | $794,000 | $53,000 | $528,000 |
| Application Withdrawn By Applicant | 146 | $18,301,000 | $125,000 | $430,000 | $117,000 | $7,176,000 |
| Loan Purchased By The Institution | 127 | $16,311,000 | $128,000 | $329,000 | $42,000 | $291,000 |
| Application Approved But Not Accepted | 79 | $7,120,000 | $90,000 | $401,000 | $56,000 | $240,000 |
| File Closed For Incompleteness | 41 | $6,036,000 | $147,000 | $305,000 | $91,000 | $387,000 |
| 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 | 100 | $4,865,000 | $48,000 | $260,000 | $56,000 | $402,000 |
| Debt-To-Income Ratio | 41 | $4,445,000 | $108,000 | $325,000 | $40,000 | $165,000 |
| Collateral | 25 | $3,924,000 | $156,000 | $794,000 | $88,000 | $528,000 |
| Credit Application Incomplete | 10 | $1,371,000 | $137,000 | $224,000 | $66,000 | $214,000 |
| Other | 10 | $538,000 | $53,000 | $144,000 | $64,000 | $131,000 |
| Unverifiable Information | 6 | $934,000 | $155,000 | $324,000 | $83,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $318,000 | $106,000 | $194,000 | $52,000 | $90,000 |
| Employment History | 2 | $78,000 | $39,000 | $45,000 | $40,000 | $56,000 |
| 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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