Dale County, AL Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,574 mortgage applications in Dale County, AL totaling $237.4 million, down 28% from 2022. The average application was for $150,000, and applicants reported an average income of $91,000. 47% of applications resulted in an originated loan and 20% were denied. The most active lender was All in Credit Union, with 160 applications, followed by Mortgage Research Center and PennyMac Loan Services 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 1,574
Total Mortgage Loan Application Amount $237,430,000
Average Mortgage Loan Application Amount $150,000
Highest Mortgage Loan Application Amount $925,000
Average Applicant Income $91,000
Highest Applicant Income $6,860,000

Mortgage Company List for Lending in Dale County, AL for 2023

* 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
All in Credit Union
238 VIRGINIA AVENUE
DALEVILLE, AL 36322
* $ 2,613,205,000 160 $ 11,690,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 98 $ 18,690,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 73 $ 14,035,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 60 $ 10,960,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 59 $ 7,835,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 54 $ 6,280,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 54 $ 6,180,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 53 $ 12,845,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 32 $ 4,610,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 30 $ 6,980,000
Peoplessouth Bank
203 W CRAWFORD ST
COLQUITT, GA 39837
* $ 1,059,217,000 26 $ 1,970,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 26 $ 1,410,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 26 $ 3,920,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 26 $ 3,570,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 24 $ 1,780,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 24 $ 4,260,000
River Bank & Trust
2611 LEGENDS DRIVE
PRATTVILLE, AL 36066
* $ 2,833,353,000 23 $ 5,965,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 22 $ 4,370,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 22 $ 4,110,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 21 $ 3,035,000
Five Star Credit Union
411 N FOSTER ST
DOTHAN, AL 36302
* $ 748,665,000 20 $ 2,010,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 19 $ 3,765,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 19 $ 2,925,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 19 $ 2,275,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 19 $ 3,385,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 17 $ 2,475,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 59,629,623,000 17 $ 1,735,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,995,485,000 16 $ 3,610,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 16 $ 3,180,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,970,243,000 15 $ 2,295,000
Troy Bank and Trust
1000 US-231
TROY, AL 36081
* $ 1,436,272,000 13 $ 2,055,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 12 $ 1,070,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,620,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 12 $ 1,930,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 11 $ 1,475,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 11 $ 1,205,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 10 $ 1,750,000
Avadian Credit Union
1 RIVERCHASE PKWY S
HOOVER, AL 35244
* $ 1,253,350,000 10 $ 1,200,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 10 $ 2,000,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 10 $ 750,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 43,900,126,000 9 $ 1,505,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 8 $ 1,480,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,380,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 8 $ 1,480,000
First National Bank of Hartford
P.O. BOX 129
HARTFORD, AL 36344
* $ 140,648,000 8 $ 760,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 1,250,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 7 $ 1,445,000
Southern Energy Credit Union
750 17TH STREET NORTH
BIRMINGHAM, AL 35203
* $ 3,420,390,000 7 $ 745,000
Friend Bank
220 E LAWRENCE HARRIS HWY
SLOCOMB, AL 36375
* $ 180,302,000 7 $ 925,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,305,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 6 $ 490,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 6 $ 870,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 6 $ 550,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 6 $ 1,180,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 6 $ 860,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 6 $ 1,260,000
Hnb First Bank
P.O. BOX 157 / 40 MAIN STREET
HEADLAND, AL 36345
* $ 217,343,000 6 $ 670,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 5 $ 615,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 825,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 5 $ 1,405,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 18,013,146,000 5 $ 865,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 1,075,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 5 $ 175,000
Consumer First Mortgage, Inc.
511 ENERGY CENTER BLVD, SUITE 702
NORTHPORT, AL 35473
* $ -1,000 5 $ 575,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 5 $ 705,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 5 $ 415,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 410,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 920,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 4 $ 570,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 140,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 14,594,770,000 4 $ 1,170,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 4 $ 460,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 4 $ 550,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 540,000
First South Farm Credit, Aca
260 TRACE COLONY PARK DR
RIDGELAND, MS 39157
* $ -1,000 3 $ 695,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 755,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 275,000
Onward Home Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 555,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 3 $ 555,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 685,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 3 $ 615,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 3 $ 395,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ 7,599,949,000 2 $ 340,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 100,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 2 $ 70,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 430,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 2 $ 360,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 2 $ 250,000
Guardian Credit Union
616 MADISON AVENUE
MONTGOMERY, AL 36104
* $ 865,286,000 2 $ 110,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ -1,000 2 $ 330,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 2 $ 200,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 2 $ 370,000
Max Credit Union
400 EASTDALE CIRCLE
MONTGOMERY, AL 36117
* $ 1,964,438,000 2 $ 450,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 2 $ 380,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 2 $ 550,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 2 $ 310,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 2 $ 290,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 390,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 2 $ 330,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 2 $ 420,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 2 $ 300,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ 4,631,368,000 2 $ 290,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 290,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 165,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 35,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 1 $ 195,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 75,000
Banksouth
P O BOX 1967
DOTHAN, AL 36303
* $ 204,702,000 1 $ 255,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 225,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 1 $ 145,000
The Citizens Bank
P. O. BOX 310900, 301 SOUTH EDWARDS STREET
ENTERPRISE, AL 36330
* $ 215,887,000 1 $ 65,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 355,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 315,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 7,028,113,000 1 $ 285,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 1 $ 195,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 397,701,000 1 $ 85,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 225,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ -1,000 1 $ 245,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 632,715,000 1 $ 285,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 145,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 3,440,092,000 1 $ 275,000
First Peoples Bank
PO BOX 1178
PINE MOUNTAIN, GA 31822
* $ 278,621,000 1 $ 35,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ -1,000 1 $ 5,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 1 $ 185,000
Gulf Winds Credit Union
220 E NINE MILE ROAD
PENSACOLA, FL 32534
* $ 1,035,650,000 1 $ 125,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 335,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 65,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 285,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 115,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 1 $ 365,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,208,483,000 1 $ 195,000
Aberdeen Proving Ground FCU
PO BOX 1176
ABERDEEN, MD 21001
* $ 2,154,193,000 1 $ 65,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 145,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 315,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 145,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 295,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 265,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 115,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 315,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 225,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 145,000
First Citizens Bank
100 WEST 3RD STREET, PO BOX 271
LUVERNE, AL 36049
* $ 327,664,000 1 $ 95,000
Midflorida Credit Union
3004 S FLORIDA AVE
LAKELAND, FL 33801
* $ 6,612,348,000 1 $ 25,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 85,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 145,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 345,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 115,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 1 $ 255,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 255,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 17,893,084,000 1 $ 85,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ 536,388,000 1 $ 145,000
The Samson Banking Company, Inc.
2 WEST MAIN ST
SAMSON, AL 36477
* $ 116,441,000 1 $ 245,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 285,000

The tables below break down 2023 mortgage applications in Dale 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 Dale County, AL in 2023

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 970 $173,320,000 $178,000 $925,000 $87,000 $1,950,000
Cash-out Refinancing 235 $34,825,000 $148,000 $525,000 $75,000 $422,000
Other Purpose 154 $9,770,000 $63,000 $545,000 $90,000 $480,000
Home Improvement 124 $8,170,000 $65,000 $355,000 $92,000 $309,000
Refinancing 84 $10,680,000 $127,000 $505,000 $179,000 $6,860,000
Not Applicable 7 $665,000 $95,000 $225,000 $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 921 $133,365,000 $144,000 $805,000 $93,000 $6,860,000
Black or African American 190 $27,480,000 $144,000 $545,000 $77,000 $422,000
Not Provided 179 $25,975,000 $145,000 $715,000 $94,000 $1,950,000
Not applicable 173 $30,485,000 $176,000 $925,000 $51,000 $51,000
Hispanic 55 $9,255,000 $168,000 $525,000 $80,000 $238,000
Asian 28 $5,790,000 $206,000 $515,000 $119,000 $576,000
American Indian or Alaskan Native 19 $3,175,000 $167,000 $685,000 $74,000 $142,000
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) 847 $101,735,000 $120,000 $925,000 $103,000 $6,860,000
VA-guaranteed (Veterans Administration) 399 $87,675,000 $219,000 $775,000 $85,000 $296,000
FHA-insured (Federal Housing Administration) 232 $35,720,000 $153,000 $415,000 $62,000 $197,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 96 $12,300,000 $128,000 $235,000 $65,000 $193,000

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 736 $118,020,000 $160,000 $925,000 $104,000 $6,860,000
Application Denied By Financial Institution 321 $37,395,000 $116,000 $525,000 $69,000 $480,000
Application Withdrawn By Applicant 208 $35,350,000 $169,000 $685,000 $92,000 $422,000
Loan Purchased By The Institution 152 $27,200,000 $178,000 $715,000 $78,000 $123,000
File Closed For Incompleteness 103 $13,085,000 $127,000 $525,000 $71,000 $230,000
Application Approved But Not Accepted 42 $5,090,000 $121,000 $315,000 $81,000 $313,000
Preapproval Denied by Financial Institution 11 $1,175,000 $106,000 $205,000 $53,000 $117,000
Preapproval Approved but not Accepted 1 $115,000 $115,000 $115,000 $71,000 $71,000

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 1,226 $197,140,000 $160,000 $925,000 $98,000 $6,860,000
Credit History 141 $15,125,000 $107,000 $285,000 $63,000 $480,000
Debt-To-Income Ratio 82 $9,610,000 $117,000 $525,000 $62,000 $238,000
Collateral 37 $3,975,000 $107,000 $405,000 $88,000 $309,000
Credit Application Incomplete 31 $4,195,000 $135,000 $315,000 $77,000 $167,000
Other 26 $2,770,000 $106,000 $305,000 $77,000 $335,000
Unverifiable Information 13 $2,435,000 $187,000 $395,000 $99,000 $296,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,250,000 $125,000 $265,000 $61,000 $86,000
Employment History 8 $930,000 $116,000 $305,000 $56,000 $122,000
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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