Crawford County, MO Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,259 mortgage applications in Crawford County, MO totaling $196.5 million, up 16% from 2020. The average application was for $156,000, and applicants reported an average income of $81,000. 61% of applications resulted in an originated loan and 11% were denied. The most active lender was Sullivan Bank, with 139 applications, followed by Peoples Bank and Flat Branch Mortgage, Inc..

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Missouri.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,259
Total Mortgage Loan Application Amount $196,525,000
Average Mortgage Loan Application Amount $156,000
Highest Mortgage Loan Application Amount $1,935,000
Average Applicant Income $81,000
Highest Applicant Income $803,000

Mortgage Company List for Lending in Crawford County, MO for 2021

* 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
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 527,864,000 139 $ 20,305,000
Peoples Bank
408 W WASHINGTON ST
CUBA, MO 65453
* $ 215,141,000 88 $ 10,870,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 76 $ 12,760,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 63 $ 10,965,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 40 $ 6,370,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 37 $ 5,875,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,622,768,000 36 $ 4,710,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 33 $ 4,525,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 32 $ 4,570,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 30 $ 3,800,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 28 $ 4,530,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 28 $ 5,580,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 27 $ 4,925,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 21 $ 3,385,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 16 $ 2,290,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 16 $ 2,420,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 15 $ 2,415,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 15 $ 2,225,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ 469,274,000 15 $ 1,585,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 13 $ 2,215,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 13 $ 2,445,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 13 $ 2,045,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 11 $ 2,015,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,785,682,000 11 $ 1,345,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,760,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 10 $ 850,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 10 $ 1,720,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 10 $ 1,560,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 9 $ 1,205,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 9 $ 1,695,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 8 $ 1,030,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 8 $ 1,230,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 8 $ 1,000,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,290,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 7 $ 425,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 7 $ 595,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 7 $ 765,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 6 $ 1,000,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 6 $ 830,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 6 $ 750,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 6 $ 780,000
United Bank of Union
PO BOX 500
UNION, MO 63084
* $ 370,680,000 5 $ 575,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 5 $ 1,475,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 2,678,315,000 5 $ 985,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 1,315,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ -1,000 5 $ 775,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 785,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,825,507,000 5 $ 755,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,955,469,000 5 $ 665,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 930,000
Family Finance Mortgage LLC
1787 JEFFCO BLVD
ARNOLD, MO 63010
* $ -1,000 4 $ 880,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 810,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 4 $ 630,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 510,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,166,684,000 4 $ 610,000
F&B Acquisition Group LLC
12412 POWERSCOURT DRIVE STE. 20
ST. LOUIS, MO 63131
* $ -1,000 4 $ 580,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 600,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 4 $ 560,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 383,892,000 4 $ 670,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 510,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 2,050,530,000 4 $ 2,270,000
Heritage Community Bank
100 E LOCUST ST
UNION, MO 63084
* $ 146,206,000 4 $ 260,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 3 $ 545,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 3 $ 595,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 3 $ 945,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 425,000
West Community Credit Union
4161 STATE HWY K
O'FALLON, MO 63368
* $ 289,271,000 3 $ 365,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 3 $ 515,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 375,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 208,018,000 3 $ 555,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 520,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 2 $ 300,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 560,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 280,000
Bloomsdale Bank
55 MILL HILL ROAD, P. O. BOX 100
BLOOMSDALE, MO 63627
* $ 231,636,000 2 $ 290,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,014,991,000 2 $ 130,000
Bank of Washington
P.O. BOX 377
WASHINGTON, MO 63090
* $ 712,214,000 2 $ 370,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 2 $ 340,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 2 $ 260,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,996,752,000 2 $ 390,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 2 $ 530,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 200,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 250,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,298,764,000 2 $ 530,000
Farmers and Merchants Bank of St. Clair
530 S. MAIN
SAINT CLAIR, MO 63077
* $ 206,110,000 2 $ 430,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 380,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 2 $ 450,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 2 $ 530,000
Access Capital Funding LLC
14366 SOUTH OUTER FORTY
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 300,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 195,645,000 2 $ 2,190,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 2 $ 260,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 26,357,635,000 2 $ 390,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 2 $ 390,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 410,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 200,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 1,749,595,000 2 $ 190,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 880,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 200,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 2 $ 680,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 2 $ 320,000
Electro Savings Credit Union
1805 CRAIGSHIRE ROAD
ST. LOUIS, MO 63146
* $ 176,719,000 1 $ 15,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 115,000
Lindell Bank & Trust Company
6900 CLAYTON AVENUE
SAINT LOUIS, MO 63139
* $ 517,968,000 1 $ 495,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 235,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 195,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 1 $ 35,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 105,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 145,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 145,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ 134,444,000 1 $ 215,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 175,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ 1,333,230,000 1 $ 485,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 1 $ 175,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 125,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 9,679,115,000 1 $ 35,000
Neighbors Credit Union
6300 S LINDBERGH BLVD
SAINT LOUIS, MO 63123
* $ 403,704,000 1 $ 175,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 195,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 185,000
Cnb St Louis Bank
7305 MANCHESTER AVE.
MAPLEWOOD, MO 63143
* $ 510,032,000 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 65,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 205,000
Alliance Credit Union
1280 S HIGHWAY DR
FENTON, MO 63026
* $ 311,983,000 1 $ 35,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ -1,000 1 $ 105,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 175,000
Ozarks Federal Savings and Loan
2 E. COLUMBIA ST.
FARMINGTON, MO 63640
* $ 247,791,000 1 $ 155,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 125,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 195,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 115,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 9,467,660,000 1 $ 15,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 1 $ 105,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 480,087,000 1 $ 145,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,813,626,000 1 $ 65,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 85,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 1 $ 125,000
Citizens Bank
P.O. BOX 197
NEW HAVEN, MO 63068
* $ 225,111,000 1 $ 105,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 135,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 185,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 105,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 947,909,000 1 $ 65,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 45,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 205,000

The tables below break down 2021 mortgage applications in Crawford County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Crawford County, MO in 2021

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 538 $90,120,000 $167,000 $885,000 $79,000 $803,000
Refinancing 434 $66,000,000 $152,000 $1,935,000 $82,000 $793,000
Cash-out Refinancing 221 $35,355,000 $159,000 $1,045,000 $82,000 $475,000
Home Improvement 41 $2,885,000 $70,000 $235,000 $88,000 $381,000
Other Purpose 21 $1,975,000 $94,000 $365,000 $72,000 $150,000
Not Applicable 4 $190,000 $47,000 $65,000 $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 985 $150,935,000 $153,000 $1,045,000 $81,000 $803,000
Not applicable 139 $25,755,000 $185,000 $1,935,000 $0 $0
Not Provided 102 $15,560,000 $152,000 $425,000 $76,000 $260,000
Hispanic 16 $2,070,000 $129,000 $375,000 $80,000 $270,000
American Indian or Alaskan Native 12 $1,540,000 $128,000 $245,000 $84,000 $195,000
Black or African American 3 $345,000 $115,000 $135,000 $33,000 $41,000
Native Hawaiian or Other Pacific Islander 2 $320,000 $160,000 $165,000 $45,000 $49,000
Asian 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) 897 $139,875,000 $155,000 $1,935,000 $88,000 $803,000
FHA-insured (Federal Housing Administration) 152 $22,260,000 $146,000 $335,000 $57,000 $215,000
VA-guaranteed (Veterans Administration) 127 $23,445,000 $184,000 $465,000 $66,000 $172,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 83 $10,945,000 $131,000 $305,000 $48,000 $108,000

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 765 $121,015,000 $158,000 $1,935,000 $81,000 $803,000
Application Denied By Financial Institution 138 $16,980,000 $123,000 $665,000 $72,000 $414,000
Application Withdrawn By Applicant 124 $20,660,000 $166,000 $1,045,000 $79,000 $344,000
Loan Purchased By The Institution 120 $20,690,000 $172,000 $455,000 $109,000 $361,000
File Closed For Incompleteness 60 $8,590,000 $143,000 $325,000 $81,000 $379,000
Application Approved But Not Accepted 50 $8,010,000 $160,000 $765,000 $91,000 $427,000
Preapproval Approved but not Accepted 2 $580,000 $290,000 $425,000 $87,000 $98,000
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 1,095 $174,145,000 $159,000 $1,045,000 $82,000 $803,000
Debt-To-Income Ratio 62 $10,310,000 $166,000 $1,935,000 $62,000 $300,000
Credit History 42 $4,440,000 $105,000 $665,000 $86,000 $414,000
Collateral 19 $2,195,000 $115,000 $345,000 $94,000 $381,000
Credit Application Incomplete 16 $2,770,000 $173,000 $355,000 $79,000 $399,000
Unverifiable Information 16 $1,810,000 $113,000 $215,000 $59,000 $205,000
Other 8 $720,000 $90,000 $235,000 $62,000 $185,000
Insufficient Cash (Downpayment, Closing Cost) 1 $135,000 $135,000 $135,000 $50,000 $50,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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