Cowley County, KS Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,164 mortgage applications in Cowley County, KS totaling $147.3 million, down 19% from 2021. The average application was for $126,000, and applicants reported an average income of $82,000. 56% of applications resulted in an originated loan and 14% were denied. The most active lender was Community National Bank & Trust, with 153 applications, followed by Rcb Bank and Union State 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 | 1,164 |
| Total Mortgage Loan Application Amount | $147,270,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,325,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,176,000 |
* 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 |
|---|---|---|---|---|
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 1,912,044,000 | 153 | $ 17,095,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 4,129,644,000 | 109 | $ 10,815,000 |
| Union State Bank 127 S SUMMIT STREET ARKANSAS CITY, KS 67005 |
* | $ 593,456,000 | 73 | $ 8,655,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 36 | $ 3,650,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 35 | $ 5,395,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 487,853,000 | 27 | $ 3,485,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 24 | $ 3,650,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 23 | $ 4,085,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 22 | $ 2,760,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 20 | $ 2,790,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 20 | $ 2,320,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 104,790,698,000 | 19 | $ 2,145,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 16 | $ 2,570,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 15 | $ 1,875,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 14 | $ 1,740,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 14 | $ 2,820,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 2,180,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 14 | $ 1,380,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ 369,701,000 | 13 | $ 1,355,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 13 | $ 2,445,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 13 | $ 2,195,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 13 | $ 2,845,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 12 | $ 1,300,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,305,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 11 | $ 1,175,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,646,678,000 | 11 | $ 1,385,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 10 | $ 870,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 10 | $ 1,570,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 9 | $ 665,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,824,450,000 | 9 | $ 915,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 9 | $ 1,315,000 |
| The Stock Exchange Bank 103 S MAIN ST CALDWELL, KS 67022 |
* | $ 67,126,000 | 9 | $ 1,505,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 9 | $ 1,255,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 9 | $ 885,000 |
| The Valley State Bank 502 N MERCHANT BELLE PLAINE, KS 67013 |
* | $ 180,553,000 | 8 | $ 1,100,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 8 | $ 1,480,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 970,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 8 | $ 1,070,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 7 | $ 1,025,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 865,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 7 | $ 635,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 7 | $ 575,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 695,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 477,604,000 | 6 | $ 250,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 831,399,000 | 6 | $ 470,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 1,240,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 6 | $ 700,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 560,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 980,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 910,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 630,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 750,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 6 | $ 690,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 5,141,072,000 | 5 | $ 265,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 585,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 965,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,624,571,000 | 5 | $ 465,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 4 | $ 1,050,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 590,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 850,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 8,012,849,000 | 4 | $ 580,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 4 | $ 340,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 4 | $ 850,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 154,473,000 | 4 | $ 460,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 4 | $ 500,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 350,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 5,652,968,000 | 3 | $ 195,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 295,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 3 | $ 195,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 3 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 315,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 3 | $ 765,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 335,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 3 | $ 515,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 220,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 240,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,281,203,000 | 2 | $ 180,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 2,361,582,000 | 2 | $ 80,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,284,662,000 | 2 | $ 210,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 24,685,744,000 | 2 | $ 100,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 370,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 190,000 |
| Panhadle Federal Credit Union 403 NORTH WASHINGTON WELLINGTON, KS 67152 |
* | $ 64,935,000 | 2 | $ 200,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 220,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 450,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,780,864,000 | 2 | $ 70,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 417,183,000 | 2 | $ 90,000 |
| Halstead Bank 314 MAIN ST HALSTEAD, KS 67056 |
* | $ 158,132,000 | 2 | $ 140,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 470,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 380,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 210,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 2 | $ 210,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 2,216,048,000 | 2 | $ 330,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 450,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 130,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 245,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 255,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 75,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 155,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 1,029,884,000 | 1 | $ 45,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 290,729,000 | 1 | $ 275,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 9,886,658,000 | 1 | $ 35,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 5,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 4,437,463,000 | 1 | $ 95,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 85,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ 847,141,000 | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 75,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 95,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 295,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 35,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 225,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 35,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 185,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ 141,202,000 | 1 | $ 15,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 85,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 65,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 4,206,869,000 | 1 | $ 235,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,380,483,000 | 1 | $ 235,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 95,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 1 | $ 175,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 788,114,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 155,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 677,079,000 | 1 | $ 65,000 |
| Outdoor Bank 2401 N SETH CHILD RD MANHATTAN, KS 66503 |
* | $ 434,572,000 | 1 | $ 45,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 1 | $ 295,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 20,248,406,000 | 1 | $ 115,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 1 | $ 155,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 185,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 215,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,000,660,000 | 1 | $ 145,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 85,000 |
| Arbor Realty Trust, Inc. 333 EARLE OVINGTON BLVD., SUITE 900 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 1,325,000 |
| Garden Plain State Bank PO BOX 75009 WICHITA, KS 67275 |
* | $ 141,915,000 | 1 | $ 175,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 7,187,889,000 | 1 | $ 225,000 |
| Crossfirst Bank CHAMPAIGN, IL 61820 |
* | $ 5,612,772,000 | 1 | $ 105,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 508,670,000 | 1 | $ 105,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 1,325,979,000 | 1 | $ 195,000 |
The tables below break down 2022 mortgage applications in Cowley County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Cowley County, KS in 2022
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 | 645 | $89,095,000 | $138,000 | $825,000 | $76,000 | $466,000 |
| Cash-out Refinancing | 237 | $33,215,000 | $140,000 | $1,325,000 | $87,000 | $1,176,000 |
| Refinancing | 152 | $18,030,000 | $118,000 | $975,000 | $88,000 | $569,000 |
| Home Improvement | 79 | $4,145,000 | $52,000 | $275,000 | $94,000 | $291,000 |
| Other Purpose | 44 | $2,270,000 | $51,000 | $155,000 | $87,000 | $190,000 |
| Not Applicable | 7 | $515,000 | $73,000 | $115,000 | $0 | $0 |
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 | 748 | $93,510,000 | $125,000 | $975,000 | $84,000 | $1,176,000 |
| Not applicable | 169 | $23,075,000 | $136,000 | $1,325,000 | $0 | $0 |
| Not Provided | 128 | $18,090,000 | $141,000 | $425,000 | $73,000 | $260,000 |
| Hispanic | 60 | $5,490,000 | $91,000 | $335,000 | $75,000 | $165,000 |
| American Indian or Alaskan Native | 27 | $3,685,000 | $136,000 | $405,000 | $72,000 | $170,000 |
| Black or African American | 17 | $1,965,000 | $115,000 | $255,000 | $77,000 | $201,000 |
| Asian | 12 | $990,000 | $82,000 | $195,000 | $71,000 | $173,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $450,000 | $225,000 | $275,000 | $118,000 | $153,000 |
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) | 827 | $97,925,000 | $118,000 | $1,325,000 | $86,000 | $1,176,000 |
| FHA-insured (Federal Housing Administration) | 179 | $24,505,000 | $136,000 | $325,000 | $70,000 | $756,000 |
| VA-guaranteed (Veterans Administration) | 109 | $19,445,000 | $178,000 | $465,000 | $72,000 | $425,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $5,395,000 | $110,000 | $215,000 | $55,000 | $93,000 |
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 | 654 | $83,110,000 | $127,000 | $1,325,000 | $84,000 | $466,000 |
| Application Denied By Financial Institution | 168 | $17,470,000 | $103,000 | $585,000 | $67,000 | $1,176,000 |
| Application Withdrawn By Applicant | 154 | $21,110,000 | $137,000 | $545,000 | $86,000 | $756,000 |
| Loan Purchased By The Institution | 125 | $16,875,000 | $135,000 | $405,000 | $78,000 | $152,000 |
| Application Approved But Not Accepted | 33 | $5,335,000 | $161,000 | $445,000 | $88,000 | $260,000 |
| File Closed For Incompleteness | 27 | $3,125,000 | $115,000 | $515,000 | $95,000 | $569,000 |
| Preapproval Approved but not Accepted | 3 | $245,000 | $81,000 | $105,000 | $43,000 | $45,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 901 | $118,065,000 | $131,000 | $1,325,000 | $84,000 | $756,000 |
| Debt-To-Income Ratio | 147 | $17,415,000 | $118,000 | $585,000 | $87,000 | $1,176,000 |
| Credit History | 37 | $3,375,000 | $91,000 | $305,000 | $59,000 | $186,000 |
| Collateral | 25 | $2,845,000 | $113,000 | $275,000 | $69,000 | $154,000 |
| Credit Application Incomplete | 20 | $1,830,000 | $91,000 | $165,000 | $55,000 | $120,000 |
| Other | 19 | $1,665,000 | $87,000 | $325,000 | $80,000 | $201,000 |
| Unverifiable Information | 8 | $840,000 | $105,000 | $165,000 | $65,000 | $120,000 |
| Employment History | 4 | $1,020,000 | $255,000 | $395,000 | $74,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $215,000 | $71,000 | $155,000 | $24,000 | $38,000 |
| 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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