Dixie County, FL Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 649 mortgage applications in Dixie County, FL totaling $105.4 million, down 6% from 2021. The average application was for $162,000, and applicants reported an average income of $80,000. 39% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 102 applications, followed by Vanderbilt Mortgage and Finance, Inc and United Wholesale Mortgage.

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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 649
Total Mortgage Loan Application Amount $105,395,000
Average Mortgage Loan Application Amount $162,000
Highest Mortgage Loan Application Amount $625,000
Average Applicant Income $80,000
Highest Applicant Income $1,251,000

Mortgage Company List for Lending in Dixie County, FL for 2022

* 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
* $ -1,000 102 $ 13,830,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 53 $ 7,435,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 22 $ 4,860,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ 703,311,000 19 $ 1,595,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 16 $ 2,090,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 16 $ 2,040,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 14 $ 2,330,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 14 $ 2,010,000
Drummond Community Bank
P O BOX 1039, 1627 NORTH YOUNG BLVD.
CHIEFLAND, FL 32644
* $ 985,322,000 14 $ 2,420,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,835,000
Florida Credit Union
PO BOX 5549
GAINESVILLE, FL 32627
* $ 1,753,771,000 11 $ 2,225,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 11 $ 1,835,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 4,253,359,000 10 $ 1,630,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 10 $ 1,180,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 9 $ 1,645,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,750,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,090,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 8 $ 1,570,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 8 $ 970,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 8 $ 1,230,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ 14,874,921,000 8 $ 510,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 985,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 7 $ 1,385,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 1,345,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 6 $ 840,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 840,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 6 $ 940,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 6 $ 830,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 1,295,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 5 $ 395,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 5 $ 665,000
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ 11,652,153,000 5 $ 515,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 5 $ 825,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 5 $ 605,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 850,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 510,000
Mortgage Lenders Investment Tr
1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY
LAKE MARY, FL 32746
* $ -1,000 4 $ 1,210,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 57,224,306,000 4 $ 1,560,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 4 $ 340,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 4 $ 930,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 335,000
Campus USA Credit Union
14007 NW 1ST RD
NEWBERRY, FL 32669
* $ 2,692,290,000 3 $ 305,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 3 $ 1,395,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 905,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 485,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 405,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 3 $ 925,000
Midflorida Credit Union
3004 S FLORIDA AVE
LAKELAND, FL 33801
* $ 6,049,934,000 3 $ 855,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 3 $ 1,135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 765,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 3 $ 265,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 2 $ 390,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 300,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 470,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ -1,000 2 $ 220,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 740,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 200,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 600,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 580,000
Fairwinds Credit Union
3087 N. ALAFAYA TRAIL
ORLANDO, FL 32826
* $ 4,043,049,000 2 $ 540,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 2 $ 140,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 350,000
Floridacentral Credit Union
3333 HENDERSON BLVD
TAMPA, FL 33609
* $ 620,494,000 2 $ 250,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 300,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 380,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 330,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 2 $ 550,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ -1,000 2 $ 530,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 2 $ 130,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 375,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 65,000
Brannen Bank
P. O. BOX 1929
INVERNESS, FL 34450
* $ 801,057,000 1 $ 475,000
Community First Credit Union of Florida
637 N. LEE STREET
JACKSONVILLE, FL 32204
* $ 2,430,772,000 1 $ 135,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 7,123,603,000 1 $ 105,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 285,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 105,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 95,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 85,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 225,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 105,000
Trumark Financial Credit Union
335 COMMERCE DRIVE
FORT WASHINGTON, PA 19034
* $ 2,771,459,000 1 $ 115,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 105,000
First Bank
300 E. SUGARLAND HWY
CLEWISTON, FL 33440
* $ 596,226,000 1 $ 205,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 1 $ 225,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 215,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 255,000
Partners Federal Credit Union
13705 INTERNATIONAL DRIVE SOUTH
ORLANDO, FL 32821
* $ 2,487,008,000 1 $ 235,000
Space Coast Credit Union
8045 N. WICKHAM RD
MELBOURNE, FL 32940
* $ 6,746,005,000 1 $ 415,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 145,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 15,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 85,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 41,822,249,000 1 $ 135,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 1 $ 105,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 105,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ -1,000 1 $ 55,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 175,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 105,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 195,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 55,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 325,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 1 $ 45,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,423,533,000 1 $ 435,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 325,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 125,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 215,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 255,000
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 $ 205,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 135,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 7,686,307,000 1 $ 185,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 1 $ 215,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 175,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 225,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 936,708,000 1 $ 255,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 105,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 125,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 135,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 1 $ 205,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 275,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 235,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 1 $ 55,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 155,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 75,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,535,304,000 1 $ 135,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 95,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ 1,319,070,000 1 $ 105,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 105,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 105,000
Seacoast National Bank
815 S COLORADO AVE
MIAMI, FL 34994
* $ 9,681,906,000 1 $ 45,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 85,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 175,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 135,000
Financial Freedom Mortgage, LLC
875 ROUTE 73 NORTH SUITE F
MOUNT LAUREL, NJ 08054
* $ -1,000 1 $ 225,000
Alkan Mortgage Corporation
1331 SOUTH INTERNATIONAL PKWY STE 2251
LAKE MARY, FL 32746
* $ -1,000 1 $ 105,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 65,000
Athas Capital Group, Inc.
27001 AGOURA ROAD, STE. 200
CALABASAS, CA 91301
* $ -1,000 1 $ 115,000
Greenway Mortgage Funding Corp.
107 TINDALL ROAD
MIDDLETOWN, NJ 07748
* $ -1,000 1 $ 255,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 135,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 175,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 85,000

The tables below break down 2022 mortgage applications in Dixie County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Dixie County, FL 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 431 $73,255,000 $169,000 $595,000 $77,000 $499,000
Cash-out Refinancing 93 $15,955,000 $171,000 $625,000 $91,000 $1,251,000
Refinancing 66 $9,490,000 $143,000 $575,000 $92,000 $802,000
Home Improvement 29 $2,595,000 $89,000 $385,000 $74,000 $178,000
Other Purpose 27 $3,895,000 $144,000 $585,000 $81,000 $298,000
Not Applicable 3 $205,000 $68,000 $85,000 $45,000 $45,000

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 500 $79,650,000 $159,000 $625,000 $83,000 $1,251,000
Not Provided 59 $9,205,000 $156,000 $355,000 $66,000 $185,000
Not applicable 36 $6,120,000 $170,000 $565,000 $111,000 $176,000
Hispanic 28 $5,860,000 $209,000 $455,000 $67,000 $125,000
Black or African American 18 $3,610,000 $200,000 $425,000 $69,000 $136,000
American Indian or Alaskan Native 6 $620,000 $103,000 $235,000 $70,000 $105,000
Asian 0 $0 $0 $0 $0 $0
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) 457 $72,195,000 $157,000 $625,000 $87,000 $1,251,000
FHA-insured (Federal Housing Administration) 116 $17,000,000 $146,000 $425,000 $58,000 $248,000
VA-guaranteed (Veterans Administration) 64 $14,250,000 $222,000 $595,000 $69,000 $160,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 12 $1,950,000 $162,000 $215,000 $56,000 $75,000

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 254 $45,410,000 $178,000 $595,000 $95,000 $1,251,000
Application Denied By Financial Institution 174 $25,160,000 $144,000 $625,000 $67,000 $756,000
Application Withdrawn By Applicant 79 $14,475,000 $183,000 $455,000 $73,000 $400,000
File Closed For Incompleteness 70 $9,610,000 $137,000 $485,000 $66,000 $235,000
Loan Purchased By The Institution 35 $5,765,000 $164,000 $565,000 $120,000 $268,000
Application Approved But Not Accepted 29 $3,555,000 $122,000 $295,000 $75,000 $189,000
Preapproval Approved but not Accepted 6 $1,250,000 $208,000 $395,000 $78,000 $142,000
Preapproval Denied by Financial Institution 2 $170,000 $85,000 $95,000 $38,000 $43,000

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 472 $79,860,000 $169,000 $595,000 $85,000 $1,251,000
Credit History 65 $8,465,000 $130,000 $385,000 $62,000 $169,000
Debt-To-Income Ratio 45 $6,855,000 $152,000 $585,000 $37,000 $89,000
Credit Application Incomplete 19 $2,865,000 $150,000 $405,000 $99,000 $265,000
Collateral 15 $2,985,000 $199,000 $625,000 $163,000 $756,000
Other 14 $1,760,000 $125,000 $355,000 $88,000 $180,000
Unverifiable Information 10 $1,230,000 $123,000 $185,000 $42,000 $84,000
Employment History 4 $670,000 $167,000 $425,000 $50,000 $136,000
Insufficient Cash (Downpayment, Closing Cost) 4 $550,000 $137,000 $155,000 $85,000 $117,000
Mortgage Insurance Denied 1 $155,000 $155,000 $155,000 $67,000 $67,000

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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