Dubuque County, IA Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 4,018 mortgage applications in Dubuque County, IA totaling $551.9 million, up 25% from 2014. The average application was for $137,000, and applicants reported an average income of $78,000. 72% of applications resulted in an originated loan and 11% were denied. The most active lender was Dupaco Community Credit Union, with 907 applications, followed by Dubuque Bank and Trust Company and American Trust & Savings Bank.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Iowa.
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 4,018
Total Mortgage Loan Application Amount $551,875,000
Average Mortgage Loan Application Amount $137,000
Highest Mortgage Loan Application Amount $4,800,000
Average Applicant Income $78,000
Highest Applicant Income $5,969,000

Mortgage Company List for Lending in Dubuque County, IA for 2015

* 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
* $ 1,262,445,000 907 $ 105,816,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,508,574,000 627 $ 82,695,000
American Trust & Savings Bank
895 MAIN STREET
DUBUQUE, IA 52001
* $ 996,226,000 576 $ 87,068,000
East Dubuque Savings Bank
475 CEDAR CROSS ROAD
DUBUQUE, IA 52003
* $ 160,820,000 151 $ 20,433,000
Fidelity Bank & Trust
4250 ASBURY ROAD
DUBUQUE, IA 52002
* $ 601,837,000 149 $ 23,196,000
Premier Bank
2625 NW ARTERIAL
DUBUQUE, IA 52002
* $ 268,326,000 127 $ 18,695,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ 10,000,000 124 $ 21,170,000
Dutrac Community Credit Union
P O BOX 3250
DUBUQUE, IA 52004
* $ 620,316,000 120 $ 17,804,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 118 $ 16,514,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 825,621,000 112 $ 11,078,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 73 $ 9,604,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 69 $ 10,477,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 58 $ 9,025,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 57 $ 8,753,000
Ruhl Mortgage LLC
1701 52ND AVENUE
MOLINE, IL 61265
* $ 0 47 $ 6,793,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 33 $ 4,661,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 32 $ 4,425,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ 10,000,000 32 $ 4,277,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 24 $ 2,988,000
Community Savings Bank
PO BOX 77
EDGEWOOD, IA 52402
* $ 328,911,000 24 $ 3,167,000
Aim Credit Union
1200 ASSOCIATES DR STE 102
DUBUQUE, IA 52002
* $ 96,244,000 21 $ 2,253,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 21 $ 1,776,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 727,891,000 19 $ 2,750,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 19 $ 3,209,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 17 $ 2,013,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 17 $ 5,030,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 14 $ 1,982,000
Citizens State Bank
117 W 1ST ST (PO BOX 517)
MONTICELLO, IA 52310
* $ 369,819,000 14 $ 5,517,000
Ohnward Bank & Trust
332 1ST AVE W
CASCADE, IA 52033
* $ 228,919,000 13 $ 1,753,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 13 $ 1,264,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 12 $ 1,903,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,148,005,000 11 $ 1,602,000
Cuso Mortgage, Inc.
5601 E LA PALMA AVENUE
ANAHEIM, CA 92807
* $ 10,000,000 10 $ 1,881,000
Mound City Bank
25 E PINE STREET
PLATTEVILLE, WI 53818
* $ 287,991,000 10 $ 2,068,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 10 $ 2,000,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 10 $ 1,676,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 2,640,538,000 10 $ 1,813,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 9 $ 699,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 982,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,580,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 2,595,753,000 8 $ 1,044,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 8 $ 1,188,000
American Lending Solutions LLC
N4365 STATE HWY 73
COLUMBUS, WI 53925
* $ 10,861,469,000 7 $ 925,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 7 $ 1,042,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 7 $ 824,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 814,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 5 $ 451,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 5 $ 599,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 4 $ 47,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 4 $ 472,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 4 $ 670,000
Farmers & Merchants Savings Bank
PO BOX 588 101 E MAIN ST
MANCHESTER, IA 52057
* $ 409,705,000 4 $ 408,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 754,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 353,451,000 4 $ 484,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 76,205,000 4 $ 560,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 4 $ 441,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 4 $ 653,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 321,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 3 $ 321,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 3 $ 216,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 9,314,575,000 3 $ 47,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ 0 3 $ 290,000
Bankers Trust Company
453 7TH STREET
DES MOINES, IA 50309
* $ 456,627,000 3 $ 237,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 3 $ 576,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 3 $ 364,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 323,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 3 $ 416,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 3 $ 480,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 3 $ 461,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 2 $ 224,000
Southeast National Bank
3535 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 182,762,000 2 $ 215,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 2 $ 212,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 2 $ 122,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 435,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 2 $ 203,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 212,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 212,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 2 $ 401,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 191,162,000 2 $ 354,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 2 $ 196,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 660,993,000 2 $ 59,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 304,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 2 $ 451,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 59,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 286,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 166,793,000 2 $ 265,000
Wisconsin Bank & Trust
119 JUNCTION RD
MADISON, WI 53717
* $ 650,658,000 2 $ 2,150,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 259,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 309,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 374,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 2 $ 312,000
Mount Vernon Bank and Trust Company
206 FIRST ST SW
MOUNT VERNON, IA 52314
* $ 105,280,000 1 $ 136,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 238,000
Anchorbank FSB
25 WEST MAIN STREET
MADISON, WI 53703
* $ 2,082,246,000 1 $ 200,000
Ascentra Credit Union
PO BOX 1107
BETTENDORF, IA 52722
* $ 341,944,000 1 $ 10,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 129,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ 10,000,000 1 $ 127,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 100,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 127,000
State Central Bank
PO BOX 340
BONAPARTE, IA 52620
* $ 57,633,000 1 $ 64,000
City State Bank
801 MAIN STREET
NORWALK, IA 50211
* $ 298,952,000 1 $ 200,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 149,000
Lincoln Savings Bank
301 WASHINGTON ST
REINBECK, IA 50669
* $ 816,748,000 1 $ 157,000
Farmers State Bank
1240 8TH AVE
MARION, IA 52302
* $ 676,969,000 1 $ 59,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 91,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 37,000
Bank CMG
8020 EXCELSIOR DR STE 100
MADISON, WI 53717
* $ 153,834,000 1 $ 49,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 3,540,518,000 1 $ 85,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 196,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 139,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 351,000
Illinois Bank & Trust
6855 E RIVERSIDE BLVD
ROCKFORD, IL 61114
* $ 486,919,000 1 $ 10,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 173,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 1 $ 180,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 968,312,000 1 $ 139,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 74,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ 10,000,000 1 $ 160,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 124,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 607,236,000 1 $ 224,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 1 $ 141,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 9,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 65,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 76,000
Royal Bank
202 MAIN STREET
ELROY, WI 53929
* $ 330,183,000 1 $ 135,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 261,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 226,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 350,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 218,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 1 $ 105,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 104,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,107,751,000 1 $ 200,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 534,898,000 1 $ 82,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 1 $ 182,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 465,637,000 1 $ 161,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,036,325,000 1 $ 63,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 1 $ 319,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 1 $ 121,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 17,377,985,000 1 $ 154,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 1 $ 100,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 245,000
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ 2,333,296,000 1 $ 4,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 1,790,345,000 1 $ 140,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 391,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 1 $ 56,000

The tables below break down 2015 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 2015

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 1,978 $273,758,000 $138,000 $2,075,000 $84,000 $1,957,000
Home Purchase 1,889 $266,109,000 $140,000 $4,800,000 $72,000 $5,969,000
Home Improvement 151 $12,008,000 $79,000 $2,600,000 $79,000 $1,898,000

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 3,510 $480,545,000 $136,000 $2,075,000 $84,000 $5,969,000
Not applicable 247 $43,848,000 $177,000 $4,800,000 $8,000 $153,000
Not Provided 177 $17,730,000 $100,000 $490,000 $71,000 $332,000
Hispanic 33 $3,524,000 $106,000 $284,000 $68,000 $520,000
Asian 24 $3,210,000 $133,000 $304,000 $94,000 $374,000
Black or African American 19 $2,154,000 $113,000 $242,000 $57,000 $114,000
Native Hawaiian or Other Pacific Islander 4 $593,000 $148,000 $257,000 $52,000 $98,000
American Indian or Alaskan Native 4 $271,000 $67,000 $102,000 $40,000 $72,000

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) 3,440 $473,806,000 $137,000 $4,800,000 $84,000 $5,969,000
FHA-insured (Federal Housing Administration) 346 $41,863,000 $120,000 $271,000 $40,000 $304,000
VA-guaranteed (Veterans Administration) 185 $30,778,000 $166,000 $417,000 $51,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 47 $5,428,000 $115,000 $231,000 $43,000 $283,000

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 2,898 $414,605,000 $143,000 $4,800,000 $83,000 $5,969,000
Application Denied By Financial Institution 457 $51,347,000 $112,000 $2,075,000 $57,000 $827,000
Application Withdrawn By Applicant 322 $39,799,000 $123,000 $630,000 $86,000 $1,787,000
Loan Purchased By The Institution 185 $25,464,000 $137,000 $380,000 $35,000 $229,000
Application Approved But Not Accepted 104 $13,494,000 $129,000 $399,000 $99,000 $1,787,000
File Closed For Incompleteness 52 $7,166,000 $137,000 $417,000 $77,000 $375,000
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 104 $7,655,000 $73,000 $351,000 $50,000 $300,000
Debt-To-Income Ratio 58 $7,309,000 $126,000 $960,000 $49,000 $312,000
Collateral 28 $3,913,000 $139,000 $375,000 $102,000 $600,000
Credit Application Incomplete 26 $3,178,000 $122,000 $300,000 $58,000 $133,000
Unverifiable Information 13 $2,427,000 $186,000 $396,000 $101,000 $303,000
Other 12 $1,283,000 $106,000 $224,000 $54,000 $108,000
Employment History 6 $641,000 $106,000 $220,000 $23,000 $56,000
Insufficient Cash (Downpayment, Closing Cost) 5 $551,000 $110,000 $242,000 $74,000 $166,000
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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