Covington County, AL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,231 mortgage applications in Covington County, AL totaling $152.5 million, up 9% from 2015. The average application was for $123,000, and applicants reported an average income of $68,000. 49% of applications resulted in an originated loan and 26% were denied. The most active lender was Ccb Community Bank, with 147 applications, followed by Regions Bank and loanDepot.com LLC.
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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 | 1,231 |
| Total Mortgage Loan Application Amount | $152,450,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $1,875,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,736,000 |
* 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 |
|---|---|---|---|---|
| Ccb Community Bank 225 E THREE NOTCH STREET ANDALUSIA, AL 36420 |
* | $ 446,459,000 | 147 | $ 22,012,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 133 | $ 12,224,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 87 | $ 12,525,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 68 | $ 9,403,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 64 | $ 6,303,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 62 | $ 3,827,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 37 | $ 5,117,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 30 | $ 3,871,000 |
| Troy Bank & Trust Company P O BOX 967 TROY, AL 36081 |
* | $ 849,307,000 | 26 | $ 2,679,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 525,826,000 | 24 | $ 3,262,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 24 | $ 2,394,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 20 | $ 3,095,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 19 | $ 2,468,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 1,810,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 18 | $ 2,632,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,400,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 17 | $ 2,656,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 16 | $ 3,362,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 16 | $ 1,801,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 14 | $ 2,397,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ 1,146,912,000 | 11 | $ 638,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 10 | $ 1,385,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 8,790,472,000 | 10 | $ 955,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 9 | $ 1,788,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 8 | $ 1,452,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 7 | $ 1,001,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 7 | $ 1,258,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 7 | $ 850,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 7 | $ 383,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 7 | $ 673,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 629,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 6 | $ 236,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 6 | $ 353,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 5 | $ 732,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 857,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 542,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 519,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 3,300,000,000 | 5 | $ 713,000 |
| State Bank and Trust Company 4219 FORSYTH ROAD MACON, GA 31210 |
* | $ 3,455,981,000 | 5 | $ 468,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 5 | $ 935,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 5 | $ 53,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 5 | $ 105,000 |
| United Bank PO BOX 8 ATMORE, AL 36502 |
* | $ 529,814,000 | 4 | $ 241,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 4 | $ 712,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 4 | $ 472,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 4 | $ 601,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 4 | $ 505,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 740,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 233,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 422,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 502,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 364,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 3 | $ 349,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 631,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 462,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 303,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 482,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 213,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 3 | $ 746,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 3 | $ 671,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 765,000 |
| Penair Credit Union 1495 EAST NINE MILE ROAD PENSACOLA, FL 32514 |
* | $ 1,301,983,000 | 3 | $ 302,000 |
| The Samson Banking Company, Inc. 2 WEST MAIN ST SAMSON, AL 36477 |
* | $ 72,762,000 | 3 | $ 285,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 3 | $ 128,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 3 | $ 458,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 458,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 2 | $ 268,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 716,045,000 | 2 | $ 120,000 |
| First Citizens Bank 100 WEST 3RD STREET, PO BOX 271 LUVERNE, AL 36049 |
* | $ 228,369,000 | 2 | $ 475,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 232,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 197,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 333,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 22,732,432,000 | 2 | $ 309,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 231,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 2 | $ 438,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 173,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 288,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 147,000 |
| Alabama State Employees CU 1000 INTERSTATE PARK DRIVE MONTGOMERY, AL 36106 |
* | $ 238,595,000 | 2 | $ 124,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 2 | $ 304,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 128,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ 13,022,498,000 | 1 | $ 177,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 24,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 45,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 180,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 177,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 282,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 129,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 123,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 72,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 1 | $ 156,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 144,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 82,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ 10,000,000 | 1 | $ 286,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 155,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 286,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 233,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,951,154,000 | 1 | $ 79,000 |
| Auburnbank 100 N. GAY STREET AUBURN, AL 36830 |
* | $ 818,004,000 | 1 | $ 15,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 116,746,000 | 1 | $ 128,000 |
| Trinity Bank PO BOX 1009 DOTHAN, AL 36302 |
* | $ 122,866,000 | 1 | $ 209,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 68,000 |
| The Home Lending Group, LLC 215 KATHERINE DRIVE FLOWOOD, MS 39232 |
* | $ 22,596,000 | 1 | $ 128,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 8,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 97,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 216,111,000 | 1 | $ 240,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 616,897,000 | 1 | $ 154,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 1 | $ 180,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 1 | $ 129,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,599,286,000 | 1 | $ 50,000 |
| Friend Bank 220 E LAWRENCE HARRIS HWY SLOCOMB, AL 36375 |
* | $ 124,918,000 | 1 | $ 450,000 |
| Okaloosa County Teachers FCU 1126 N FERDON BLVD CRESTVIEW, FL 32536 |
* | $ 75,936,000 | 1 | $ 36,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 487,384,000 | 1 | $ 233,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,216,928,000 | 1 | $ 170,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 98,000 |
| Peoples National Bank 1020 JOHN SIMS PKWY E NICEVILLE, FL 32578 |
* | $ 101,218,000 | 1 | $ 19,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 729,014,000 | 1 | $ 249,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 68,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 128,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 1 | $ 73,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ 9,774,230,000 | 1 | $ 185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 348,393,000 | 1 | $ 20,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 163,000 |
The tables below break down 2016 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 650 | $94,992,000 | $146,000 | $1,875,000 | $74,000 | $1,736,000 |
| Home Purchase | 466 | $50,688,000 | $108,000 | $697,000 | $58,000 | $363,000 |
| Home Improvement | 115 | $6,770,000 | $58,000 | $571,000 | $70,000 | $716,000 |
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 | 965 | $122,609,000 | $127,000 | $1,875,000 | $74,000 | $1,736,000 |
| Black or African American | 96 | $8,835,000 | $92,000 | $253,000 | $46,000 | $203,000 |
| Not Provided | 85 | $10,099,000 | $118,000 | $376,000 | $65,000 | $327,000 |
| Not applicable | 61 | $7,863,000 | $128,000 | $335,000 | $2,000 | $44,000 |
| American Indian or Alaskan Native | 11 | $1,488,000 | $135,000 | $260,000 | $47,000 | $134,000 |
| Hispanic | 10 | $1,408,000 | $140,000 | $270,000 | $91,000 | $175,000 |
| Asian | 3 | $148,000 | $49,000 | $62,000 | $43,000 | $95,000 |
| Native Hawaiin 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) | 807 | $96,872,000 | $120,000 | $1,875,000 | $80,000 | $1,736,000 |
| FHA-insured (Federal Housing Administration) | 199 | $23,666,000 | $118,000 | $269,000 | $50,000 | $408,000 |
| VA-guaranteed (Veterans Administration) | 179 | $27,353,000 | $152,000 | $468,000 | $40,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $4,559,000 | $99,000 | $303,000 | $34,000 | $78,000 |
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 | 601 | $78,489,000 | $130,000 | $1,875,000 | $77,000 | $1,736,000 |
| Application Denied By Financial Institution | 318 | $33,486,000 | $105,000 | $571,000 | $60,000 | $408,000 |
| Application Withdrawn By Applicant | 106 | $15,661,000 | $147,000 | $468,000 | $79,000 | $408,000 |
| Loan Purchased By The Institution | 73 | $9,341,000 | $127,000 | $335,000 | $8,000 | $116,000 |
| File Closed For Incompleteness | 72 | $8,404,000 | $116,000 | $444,000 | $56,000 | $340,000 |
| Application Approved But Not Accepted | 61 | $7,069,000 | $115,000 | $351,000 | $83,000 | $261,000 |
| 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 | 31 | $1,801,000 | $58,000 | $212,000 | $44,000 | $144,000 |
| Debt-To-Income Ratio | 24 | $2,570,000 | $107,000 | $340,000 | $57,000 | $174,000 |
| Collateral | 19 | $2,778,000 | $146,000 | $571,000 | $79,000 | $408,000 |
| Credit Application Incomplete | 14 | $1,569,000 | $112,000 | $286,000 | $117,000 | $352,000 |
| Other | 11 | $1,200,000 | $109,000 | $286,000 | $43,000 | $87,000 |
| Employment History | 2 | $272,000 | $136,000 | $220,000 | $71,000 | $88,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $101,000 | $50,000 | $60,000 | $33,000 | $34,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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