Decatur County, GA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,164 mortgage applications in Decatur County, GA totaling $181.7 million, up 35% from 2020. The average application was for $156,000, and applicants reported an average income of $76,000. 43% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 127 applications, followed by Homestar Financial Corporation 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 | 1,164 |
| Total Mortgage Loan Application Amount | $181,710,000 |
| Average Mortgage Loan Application Amount | $156,000 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,332,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 127 | $ 15,425,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 86 | $ 16,370,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 57 | $ 9,215,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 50 | $ 8,650,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 38 | $ 6,570,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 32 | $ 5,730,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 31 | $ 5,025,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 18,156,981,000 | 28 | $ 4,000,000 |
| First State Bank of Blakely 2213 S. MAIN STREET BLAKELY, GA 39823 |
* | $ 509,232,000 | 27 | $ 3,505,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 25 | $ 2,135,000 |
| Envision Credit Union 440 NORTH MONROE ST. TALLAHASSEE, FL 32301 |
* | $ 627,979,000 | 25 | $ 4,365,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ -1,000 | 24 | $ 4,580,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 24 | $ 3,110,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 24 | $ 4,490,000 |
| Five Star Credit Union 411 N FOSTER ST DOTHAN, AL 36302 |
* | $ 463,276,000 | 21 | $ 2,205,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 16 | $ 2,990,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 15 | $ 1,925,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 15 | $ 1,695,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 15 | $ 1,955,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 14 | $ 2,450,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 14 | $ 2,730,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 23,559,400,000 | 13 | $ 475,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,965,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 13 | $ 1,895,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 12 | $ 1,960,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 389,451,000 | 12 | $ 2,120,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 11 | $ 1,925,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 11 | $ 2,015,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 10 | $ 1,100,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 9 | $ 2,055,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 9 | $ 1,255,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 8 | $ 1,310,000 |
| Peoplessouth Bank 203 W CRAWFORD ST COLQUITT, GA 39837 |
* | $ 808,966,000 | 8 | $ 630,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 7 | $ 525,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 1,030,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 48,103,435,000 | 6 | $ 1,270,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 5 | $ 785,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 505,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 540,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 4 | $ 1,060,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 400,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 4 | $ 560,000 |
| Capital City Bank 1828 WEST TENNESSEE STREET TALLAHASSEE, FL 32301 |
* | $ 3,080,900,000 | 4 | $ 490,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 4 | $ 820,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 4 | $ 650,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 4 | $ 370,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 805,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 105,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 3 | $ 205,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 565,000 |
| Capital City Home Loans, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 KENNESAW, GA 30144 |
* | $ -1,000 | 3 | $ 475,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 475,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 405,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 465,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 3 | $ 465,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 3 | $ 575,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 375,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 3 | $ 595,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 2 | $ 510,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 2 | $ 60,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 220,000 |
| Mainstreet Community Bank of Florida 204 S. WOODLAND BLVD DELAND, FL 32720 |
* | $ 488,367,000 | 2 | $ 310,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 230,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 220,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 260,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 2 | $ 260,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 530,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 340,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 420,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 470,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 230,000 |
| Tc Federal Bank 131 S DAWSON ST THOMASVILLE, GA 31799 |
* | $ 321,758,000 | 2 | $ 270,000 |
| Tyndall Federal Credit Union 3109 MINNESOTA AVE PANAMA CITY, FL 32405 |
* | $ 1,634,283,000 | 2 | $ 510,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 440,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 270,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 2 | $ 210,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 2 | $ 440,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 340,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 2 | $ 430,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 2 | $ 250,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 470,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 540,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 350,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 160,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 300,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 255,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 1 | $ 345,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,460,586,000 | 1 | $ 95,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 455,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 45,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 65,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 17,136,249,000 | 1 | $ 115,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 185,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 25,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 15,015,801,000 | 1 | $ 335,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 105,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 255,000 |
| Residential Home Funding Corp. 707 WESTCHESTER AVENUE, SUITE 305 WHITE PLAINS, NY 10604 |
* | $ -1,000 | 1 | $ 185,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 1 | $ 235,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ 882,183,000 | 1 | $ 155,000 |
| Fairwinds Credit Union 3087 N. ALAFAYA TRAIL ORLANDO, FL 32826 |
* | $ 2,670,383,000 | 1 | $ 345,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 474,830,000 | 1 | $ 245,000 |
| Lending 3, Inc 17220 NEWHOPE ST. SUITE 213 FOUNTAIN VALLEY, CA 92708 |
* | $ -1,000 | 1 | $ 175,000 |
| Aafmaa Mortgage Services LLC 2000 REGENCY PARKWAY SUITE 140 CARY, NC 27518 |
* | $ -1,000 | 1 | $ 265,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 165,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 95,000 |
| First Commerce Credit Union 107 E COLLEGE AVE TALLAHASSEE, FL 32317 |
* | $ 615,519,000 | 1 | $ 95,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 85,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 55,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 185,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 55,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 1,414,020,000 | 1 | $ 55,000 |
| Signature Mortgage Corporation 4790 DOUGLAS CIRCLE NW CANTON, OH 44718 |
* | $ -1,000 | 1 | $ 125,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 315,000 |
| Loanleaders of America, Inc 38 EXECUTIVE PARK, SUITE 260 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 245,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 165,000 |
| South Georgia Banking Company 2005 TIFT AVE N TIFTON, GA 31794 |
* | $ -1,000 | 1 | $ 55,000 |
| Premium Security, Inc. 901 N GREEN VALLEY PKWY STE 200 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 105,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 25,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 55,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ -1,000 | 1 | $ 185,000 |
| Tampa Bay Federal Credit Union PO BOX 7492 TAMPA, FL 33603 |
* | $ 321,876,000 | 1 | $ 85,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 225,000 |
| Colten Mortgage, LLC 6021 S SYRACUSE WAY STE 104 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 115,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 245,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 1 | $ 355,000 |
| Farmers and Merchants Bank 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 497,050,000 | 1 | $ 125,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 205,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2021 mortgage applications in Decatur County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Decatur County, GA 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 | 579 | $95,875,000 | $165,000 | $905,000 | $69,000 | $508,000 |
| Refinancing | 341 | $53,045,000 | $155,000 | $545,000 | $95,000 | $1,332,000 |
| Cash-out Refinancing | 186 | $28,970,000 | $155,000 | $1,405,000 | $73,000 | $623,000 |
| Home Improvement | 29 | $1,645,000 | $56,000 | $175,000 | $65,000 | $208,000 |
| Other Purpose | 21 | $1,295,000 | $61,000 | $255,000 | $64,000 | $279,000 |
| Not Applicable | 8 | $880,000 | $110,000 | $175,000 | $50,000 | $50,000 |
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 | 604 | $95,660,000 | $158,000 | $1,405,000 | $83,000 | $1,332,000 |
| Black or African American | 243 | $33,105,000 | $136,000 | $905,000 | $58,000 | $275,000 |
| Not Provided | 156 | $25,350,000 | $162,000 | $505,000 | $77,000 | $321,000 |
| Not applicable | 114 | $20,440,000 | $179,000 | $545,000 | $51,000 | $53,000 |
| Hispanic | 25 | $4,135,000 | $165,000 | $355,000 | $77,000 | $177,000 |
| American Indian or Alaskan Native | 11 | $1,145,000 | $104,000 | $145,000 | $72,000 | $187,000 |
| Asian | 8 | $1,310,000 | $163,000 | $295,000 | $67,000 | $144,000 |
| 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) | 739 | $109,065,000 | $147,000 | $1,405,000 | $81,000 | $1,332,000 |
| FHA-insured (Federal Housing Administration) | 256 | $39,680,000 | $155,000 | $365,000 | $61,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 117 | $25,325,000 | $216,000 | $485,000 | $79,000 | $238,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $7,640,000 | $146,000 | $255,000 | $47,000 | $77,000 |
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 | 503 | $84,945,000 | $168,000 | $1,405,000 | $89,000 | $1,332,000 |
| Application Denied By Financial Institution | 286 | $37,750,000 | $131,000 | $905,000 | $58,000 | $275,000 |
| Application Withdrawn By Applicant | 141 | $21,505,000 | $152,000 | $505,000 | $68,000 | $201,000 |
| Loan Purchased By The Institution | 111 | $20,555,000 | $185,000 | $475,000 | $83,000 | $156,000 |
| File Closed For Incompleteness | 100 | $13,510,000 | $135,000 | $505,000 | $79,000 | $305,000 |
| Application Approved But Not Accepted | 23 | $3,445,000 | $149,000 | $365,000 | $77,000 | $214,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 846 | $139,690,000 | $165,000 | $1,405,000 | $79,000 | $1,332,000 |
| Credit History | 139 | $16,195,000 | $116,000 | $905,000 | $55,000 | $275,000 |
| Debt-To-Income Ratio | 92 | $12,790,000 | $139,000 | $545,000 | $86,000 | $1,115,000 |
| Credit Application Incomplete | 35 | $4,935,000 | $141,000 | $325,000 | $72,000 | $173,000 |
| Other | 18 | $2,320,000 | $128,000 | $355,000 | $54,000 | $177,000 |
| Collateral | 17 | $2,625,000 | $154,000 | $325,000 | $68,000 | $123,000 |
| Unverifiable Information | 9 | $1,585,000 | $176,000 | $295,000 | $80,000 | $191,000 |
| Employment History | 5 | $825,000 | $165,000 | $245,000 | $98,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $745,000 | $248,000 | $475,000 | $97,000 | $120,000 |
| 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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