DeKalb County, TN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,063 mortgage applications in DeKalb County, TN totaling $262.8 million, up 1% from 2023. The average application was for $247,000, and applicants reported an average income of $113,000. 53% of applications resulted in an originated loan and 14% were denied. The most active lender was Firstbank, with 78 applications, followed by Wilson Bank and Trust and United Wholesale Mortgage.

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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 1,063
Total Mortgage Loan Application Amount $262,755,000
Average Mortgage Loan Application Amount $247,000
Highest Mortgage Loan Application Amount $2,965,000
Average Applicant Income $113,000
Highest Applicant Income $1,202,000

Mortgage Company List for Lending in DeKalb County, TN for 2024

* 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
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 78 $ 13,790,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ n/a 60 $ 15,460,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 48 $ 12,920,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 45 $ 6,725,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 44 $ 13,680,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ n/a 35 $ 10,255,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 33 $ 5,105,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 30 $ 8,370,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 27 $ 8,095,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 26 $ 8,030,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 20 $ 5,570,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ n/a 18 $ 1,510,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 5,780,000
Wellworth Bank
400 HWY 52 BYPASS WEST
LAFAYETTE, TN 37083
* $ n/a 16 $ 2,940,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 15 $ 4,885,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 13 $ 2,205,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 13 $ 4,685,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 12 $ 1,910,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 12 $ 3,530,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 12 $ 4,290,000
Citizens Bank
407 MAIN ST N
CARTHAGE, TN 37030
* $ n/a 11 $ 4,195,000
Legacy Home Loans, LLC
4025 HILLSBORO PIKE #601
BRENTWOOD, TN 37027
* $ n/a 11 $ 4,315,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 2,945,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 10 $ 2,530,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 10 $ 540,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 9 $ 1,855,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 895,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 9 $ 585,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 880,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 8 $ 2,570,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 8 $ 1,910,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 8 $ 2,550,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 8 $ 1,340,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 8 $ 2,410,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 7 $ 1,015,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 7 $ 1,705,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ n/a 7 $ 5,895,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 7 $ 3,175,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 7 $ 285,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 7 $ 2,625,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 7 $ 1,495,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 6 $ 1,180,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 6 $ 1,020,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 6 $ 1,170,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 6 $ 1,420,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 6 $ 1,330,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 6 $ 1,750,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 5 $ 1,235,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 5 $ 505,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 1,215,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 5 $ 1,135,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 5 $ 1,625,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ n/a 4 $ 1,090,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 4 $ 1,130,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 4 $ 430,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 1,080,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 4 $ 510,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ n/a 4 $ 790,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 4 $ 900,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 4 $ 550,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 4 $ 910,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 4 $ 1,360,000
Southern Bank of Tennessee
1499 N. MT. JULIET RD.
MT JULIET, TN 37122
* $ n/a 4 $ 820,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 955,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 3 $ 495,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ n/a 3 $ 885,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 485,000
Gardner Financial Services
3503 PAESANOS PKWY
SAN ANTONIO, TX 78259
* $ n/a 3 $ 995,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 3 $ 965,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 3 $ 525,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 3 $ 855,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 3 $ 435,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 3 $ 385,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ n/a 3 $ 475,000
Guaranty Mortgage Services, LLC

FORT WASHINGTON, PA 19034
* $ n/a 3 $ 925,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 3 $ 715,000
First Commerce Bank
500 N ELLINGTON PKWY
LEWISBURG, TN 37091
* $ n/a 3 $ 615,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 3 $ 455,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 725,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 3 $ 385,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 3 $ 775,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 1,275,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 2 $ 370,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 520,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 810,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 860,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 1,360,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 500,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 180,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 2 $ 360,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ n/a 2 $ 410,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 550,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 620,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 340,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 1,020,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 680,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ n/a 2 $ 310,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 330,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 2 $ 610,000
Ahl Funding
4 PARK PLAZA SUITE 730
IRVINE, CA 92614
* $ n/a 2 $ 260,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 130,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 600,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 2 $ 460,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 2 $ 590,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ n/a 2 $ 670,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 2 $ 2,020,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 185,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 45,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ n/a 1 $ 295,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ n/a 1 $ 265,000
Worthington Mortgage
4205 BALMORAL DRIVE
HUNTSVILLE, AL 35801
* $ n/a 1 $ 325,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 115,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 75,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 305,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 45,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 575,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 415,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ n/a 1 $ 565,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 1 $ 615,000
Bay-Valley Mortgage Group
23320 FOOTHILL BLVD, SUITE 260
HAYWARD, CA 94541
* $ n/a 1 $ 525,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 245,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 245,000
3rd Street Financial Corp
6964 TYLERSVILLE RD B
WEST CHESTER, OH 45069
* $ n/a 1 $ 225,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 215,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 545,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 105,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 255,000
Ten Credit Union
1400 8TH AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 55,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 145,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 195,000
US Community Credit Union
P.O. BOX 14570
NASHVILLE, TN 37214
* $ n/a 1 $ 405,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 85,000
Banktennessee
1125 WEST POPLAR AVENUE
COLLIERVILLE, TN 38017
* $ n/a 1 $ 65,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 85,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 565,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 245,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 365,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 1 $ 85,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ n/a 1 $ 265,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 155,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ n/a 1 $ 505,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 305,000
First Federal Bank
611 EAST COLLEGE ST
DICKSON, TN 37055
* $ n/a 1 $ 305,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 1 $ 365,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 345,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 305,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ n/a 1 $ 165,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ n/a 1 $ 75,000
Easy Street Capital LLC
1201 E CESAR CHAVEZ ST SUITE 1
AUSTIN, TX 78702
* $ n/a 1 $ 155,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 225,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 495,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 515,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 115,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 335,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 365,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 275,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 1 $ 315,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 45,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 1 $ 1,135,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 245,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 85,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 245,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 505,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 45,000

The tables below break down 2024 mortgage applications in DeKalb County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for DeKalb County, TN in 2024

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 $165,995,000 $286,000 $2,965,000 $122,000 $1,202,000
Cash-out Refinancing 159 $38,305,000 $240,000 $1,875,000 $94,000 $688,000
Refinancing 151 $40,225,000 $266,000 $1,705,000 $111,000 $909,000
Other Purpose 123 $13,735,000 $111,000 $805,000 $99,000 $453,000
Home Improvement 50 $4,450,000 $89,000 $805,000 $116,000 $500,000
Not Applicable 1 $45,000 $45,000 $45,000 $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 728 $169,600,000 $232,000 $1,875,000 $112,000 $1,202,000
Not Provided 143 $34,165,000 $238,000 $1,135,000 $127,000 $918,000
Not applicable 128 $44,590,000 $348,000 $2,965,000 $174,000 $275,000
Hispanic 46 $9,950,000 $216,000 $455,000 $97,000 $453,000
Black or African American 9 $1,965,000 $218,000 $315,000 $71,000 $114,000
American Indian or Alaskan Native 5 $1,405,000 $281,000 $365,000 $98,000 $167,000
Asian 3 $885,000 $295,000 $405,000 $89,000 $125,000
Native Hawaiian or Other Pacific Islander 1 $195,000 $195,000 $195,000 $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) 672 $154,360,000 $229,000 $2,965,000 $126,000 $1,202,000
FHA-insured (Federal Housing Administration) 220 $55,930,000 $254,000 $485,000 $75,000 $154,000
VA-guaranteed (Veterans Administration) 142 $46,630,000 $328,000 $755,000 $97,000 $376,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $5,835,000 $201,000 $375,000 $76,000 $111,000

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 568 $143,540,000 $252,000 $2,965,000 $126,000 $1,202,000
Application Denied By Financial Institution 148 $26,350,000 $178,000 $1,875,000 $74,000 $425,000
Application Withdrawn By Applicant 135 $32,555,000 $241,000 $785,000 $90,000 $500,000
Loan Purchased By The Institution 117 $34,615,000 $295,000 $645,000 $135,000 $275,000
File Closed For Incompleteness 47 $10,145,000 $215,000 $755,000 $106,000 $369,000
Application Approved But Not Accepted 47 $15,395,000 $327,000 $1,785,000 $148,000 $575,000
Preapproval Approved but not Accepted 1 $155,000 $155,000 $155,000 $36,000 $36,000
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 896 $230,750,000 $257,000 $1,785,000 $119,000 $1,202,000
Debt-To-Income Ratio 65 $14,855,000 $228,000 $2,965,000 $92,000 $672,000
Credit History 35 $5,865,000 $167,000 $1,875,000 $79,000 $425,000
Credit Application Incomplete 21 $3,175,000 $151,000 $285,000 $65,000 $130,000
Other 12 $2,650,000 $220,000 $1,035,000 $159,000 $409,000
Collateral 11 $965,000 $87,000 $255,000 $72,000 $130,000
Unverifiable Information 9 $1,785,000 $198,000 $395,000 $79,000 $143,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,745,000 $193,000 $335,000 $62,000 $97,000
Employment History 5 $965,000 $193,000 $435,000 $50,000 $111,000
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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