Dubuque County, IA Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 4,896 mortgage applications in Dubuque County, IA totaling $666.3 million, down 33% from 2012. The average application was for $136,000, and applicants reported an average income of $70,000. 71% of applications resulted in an originated loan and 12% were denied. The most active lender was Dupaco Community Credit Union, with 1,238 applications, followed by Dubuque Bank and Trust Company and American Trust & Savings Bank.

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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 4,896
Total Mortgage Loan Application Amount $666,260,000
Average Mortgage Loan Application Amount $136,000
Highest Mortgage Loan Application Amount $10,583,000
Average Applicant Income $70,000
Highest Applicant Income $2,077,000

Mortgage Company List for Lending in Dubuque County, IA for 2013

* 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
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,067,664,000 1,238 $ 142,035,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,482,504,000 728 $ 102,439,000
American Trust & Savings Bank
895 MAIN STREET
DUBUQUE, IA 52001
* $ 971,164,000 560 $ 82,012,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 305 $ 39,861,000
Dutrac Community Credit Union
P O BOX 3250
DUBUQUE, IA 52004
* $ 551,537,000 270 $ 35,582,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 192 $ 25,919,000
East Dubuque Savings Bank
475 CEDAR CROSS ROAD
DUBUQUE, IA 52003
* $ 157,938,000 183 $ 24,317,000
Fidelity Bank & Trust
4250 ASBURY ROAD
DUBUQUE, IA 52002
* $ 597,378,000 179 $ 25,768,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 146 $ 24,114,000
Premier Bank
2625 NW ARTERIAL
DUBUQUE, IA 52002
* $ 252,140,000 120 $ 13,895,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 60 $ 9,037,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 589,329,000 56 $ 7,539,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 53 $ 4,843,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 48 $ 4,551,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ 10,000,000 45 $ 6,749,000
Community Savings Bank
PO BOX 77
EDGEWOOD, IA 52402
* $ 337,930,000 39 $ 4,358,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 36 $ 4,096,000
Aim Credit Union
1200 ASSOCIATES DR STE 102
DUBUQUE, IA 52002
* $ 91,602,000 33 $ 3,406,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 32 $ 3,859,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ 1,270,503,000 31 $ 4,652,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ 10,000,000 27 $ 3,660,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 25 $ 4,307,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 24 $ 3,440,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 24 $ 2,267,000
Citizens State Bank
117 W 1ST ST (PO BOX 517)
MONTICELLO, IA 52310
* $ 348,274,000 21 $ 3,428,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 19 $ 3,649,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 19 $ 2,135,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 18 $ 3,347,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 18 $ 1,904,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 15 $ 2,608,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 15 $ 2,036,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 13 $ 1,758,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 1,800,664,000 12 $ 1,624,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 11 $ 1,937,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 10 $ 2,451,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 10 $ 1,138,000
Ohnward Bank & Trust
332 1ST AVE W
CASCADE, IA 52033
* $ 196,473,000 10 $ 1,988,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 2,350,048,000 9 $ 652,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 8 $ 1,531,000
Cuso Mortgage, Inc.
5601 E LA PALMA AVENUE
ANAHEIM, CA 92807
* $ 10,000,000 8 $ 1,134,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 280,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 950,000
State Central Bank
PO BOX 340
BONAPARTE, IA 52620
* $ 155,030,000 6 $ 1,405,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 6 $ 1,001,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 5 $ 468,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 5 $ 618,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 761,000
Wisconsin Bank & Trust
119 JUNCTION RD
MADISON, WI 53717
* $ 691,715,000 4 $ 254,000
Farmers & Merchants Savings Bank
PO BOX 588 101 E MAIN ST
MANCHESTER, IA 52057
* $ 370,929,000 4 $ 1,307,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ 510,019,000 3 $ 350,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 3 $ 417,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,134,936,000 3 $ 375,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 426,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 336,186,000 3 $ 229,000
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ 2,099,255,000 3 $ 175,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 3 $ 684,000
Farmers State Bank
131 TOWER PARK DRIVE SUITE 100
WATERLOO, IA 50701
* $ 458,915,000 3 $ 307,000
Bankers Trust Company
453 7TH STREET
DES MOINES, IA 50309
* $ 420,568,000 2 $ 187,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 2 $ 530,000
Mound City Bank
25 E PINE STREET
PLATTEVILLE, WI 53818
* $ 267,769,000 2 $ 189,000
National Exchange Bank and Trust
130 SOUTH MAIN STREET
FOND DU LAC, WI 54936
* $ 1,319,289,000 2 $ 26,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,281,268,000 2 $ 470,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 125,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 1,779,605,000 2 $ 200,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 316,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 429,180,000 2 $ 378,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ 10,000,000 2 $ 195,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 309,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 415,000
Bankiowa
7045 C AVE NE
CEDAR RAPIDS, IA 52402
* $ 493,108,000 2 $ 175,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 413,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 406,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 120,420,787,000 2 $ 73,000
Gnb Bank
529 G AVENUE
GRUNDY CENTER, IA 50638
* $ 351,622,000 2 $ 230,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 404,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 2 $ 86,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 27,934,078,000 2 $ 269,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 1,369,414,000 2 $ 154,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 505,000
Premia Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,779,509,000 2 $ 449,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 2 $ 247,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 2 $ 331,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 63,343,359,000 1 $ 89,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 1 $ 116,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 1 $ 160,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 7,984,323,000 1 $ 279,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,778,826,000 1 $ 61,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 1 $ 85,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 1 $ 55,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 138,000
United Bank of Iowa
501 SECOND STREET
IDA GROVE, IA 51445
* $ 1,216,747,000 1 $ 473,000
First American Bank
1207 CENTRAL AVE
FORT DODGE, IA 50501
* $ 1,176,846,000 1 $ 231,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 354,250,000 1 $ 324,000
Northwest Bank of Rockford
3106 N ROCKTON AVE
ROCKFORD, IL 61103
* $ 239,881,000 1 $ 81,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 170,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 151,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 83,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 726,955,000 1 $ 235,000
Ascentra Credit Union
PO BOX 1107
BETTENDORF, IA 52722
* $ 276,364,000 1 $ 86,000
Corda Credit Union
3015 BLAIRS FERRY RD NE
CEDAR RAPIDS, IA 52402
* $ 289,101,000 1 $ 27,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 87,043,364,000 1 $ 2,934,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 217,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 121,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ 10,000,000 1 $ 117,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 161,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 170,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 970,979,000 1 $ 31,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 1 $ 102,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 457,855,000 1 $ 257,000
Nxt Bank
320 3RD ST SE
CEDAR RAPIDS, IA 52401
* $ 153,409,000 1 $ 150,000
Perl Mortgage, Inc.
2936 WEST BELMONT AVE
CHICAGO, IL 60618
* $ 11,000,000 1 $ 150,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,460,729,000 1 $ 315,000
BNC National Bank

BISMARCK, ND 58501
* $ 768,613,000 1 $ 381,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 399,280,000 1 $ 55,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 244,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 118,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ 10,000,000 1 $ 184,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 180,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 76,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 103,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 78,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 164,424,000 1 $ 289,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 1 $ 46,000
Boulevard Bank
111 E.MAIN STREET
NEOSHO, MO 64850
* $ 164,959,000 1 $ 14,000
Berkeley Point Capital LLC

BOSTON, MA 02110
* $ 10,000,000 1 $ 10,583,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 149,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 116,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 88,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 76,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 100,000
Colliers Mortgage LLC
90 SOUTH SEVENTH ST. SUITE 4300
MINNEAPOLIS, MN 55402
* $ 17,648,000 1 $ 5,610,000
Guaranty Bank and Trust Company
500 1ST AVENUE NE
CEDAR RAPIDS, IA 52401
* $ 239,328,000 1 $ 111,000
Premier Bank Rochester
421 1ST AVE SW
ROCHESTER, MN 55902
* $ 144,943,000 1 $ 155,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 78,000
Valley Bank
3455 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 589,218,000 1 $ 114,000
Farmers and Merchants Savings Bank
200 N DEVOE STREET, PO BOX 609
LONE TREE, IA 52755
* $ 107,505,000 1 $ 137,000
The National Bank & Trust Comp
230 W STATE ST
SYCAMORE, IL 60178
* $ 592,388,000 1 $ 348,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 1 $ 219,000
Citizens State Bank
114 W MAIN ST, PO BOX 198
WYOMING, IA 52362
* $ 96,265,000 1 $ 375,000

The tables below break down 2013 mortgage applications in Dubuque County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Dubuque County, IA in 2013

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
Refinancing 3,041 $424,186,000 $139,000 $10,583,000 $74,000 $2,077,000
Home Purchase 1,685 $233,890,000 $138,000 $2,976,000 $64,000 $1,300,000
Home Improvement 170 $8,184,000 $48,000 $550,000 $69,000 $477,000

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 4,320 $561,754,000 $130,000 $3,750,000 $74,000 $2,077,000
Not applicable 273 $69,881,000 $255,000 $10,583,000 $6,000 $340,000
Not Provided 220 $23,978,000 $108,000 $600,000 $70,000 $434,000
Hispanic 42 $4,234,000 $100,000 $300,000 $48,000 $111,000
Asian 19 $3,609,000 $189,000 $322,000 $85,000 $300,000
Black or African American 14 $1,970,000 $140,000 $243,000 $67,000 $118,000
American Indian or Alaskan Native 7 $649,000 $92,000 $143,000 $115,000 $500,000
Native Hawaiian or Other Pacific Islander 1 $185,000 $185,000 $185,000 $65,000 $65,000

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) 4,359 $585,972,000 $134,000 $10,583,000 $74,000 $2,077,000
FHA-insured (Federal Housing Administration) 318 $48,065,000 $151,000 $5,610,000 $39,000 $203,000
VA-guaranteed (Veterans Administration) 156 $25,087,000 $160,000 $382,000 $46,000 $176,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 63 $7,136,000 $113,000 $206,000 $48,000 $931,000

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 3,457 $475,287,000 $137,000 $5,610,000 $74,000 $2,077,000
Application Denied By Financial Institution 566 $62,573,000 $110,000 $475,000 $57,000 $964,000
Application Withdrawn By Applicant 359 $54,104,000 $150,000 $10,583,000 $69,000 $980,000
Loan Purchased By The Institution 348 $49,972,000 $143,000 $417,000 $52,000 $443,000
Application Approved But Not Accepted 103 $16,386,000 $159,000 $3,750,000 $72,000 $458,000
File Closed For Incompleteness 63 $7,938,000 $126,000 $417,000 $69,000 $311,000
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
Credit History 168 $14,309,000 $85,000 $382,000 $54,000 $203,000
Debt-To-Income Ratio 62 $8,073,000 $130,000 $462,000 $44,000 $132,000
Collateral 41 $5,958,000 $145,000 $416,000 $84,000 $500,000
Credit Application Incomplete 33 $3,639,000 $110,000 $267,000 $60,000 $150,000
Other 24 $3,165,000 $131,000 $413,000 $73,000 $350,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,495,000 $186,000 $252,000 $55,000 $96,000
Employment History 5 $514,000 $102,000 $121,000 $42,000 $72,000
Unverifiable Information 4 $803,000 $200,000 $237,000 $117,000 $203,000
Mortgage Insurance Denied 1 $128,000 $128,000 $128,000 $28,000 $28,000

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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