Dukes County, MA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 994 mortgage applications in Dukes County, MA totaling $921.6 million, up 5% from 2024. The average application was for $927,000, and applicants reported an average income of $495,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was Cape Cod Five Cents Savings Bank, with 109 applications, followed by Rockland Trust Bank and Marthas Vineyard Bank.

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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 994
Total Mortgage Loan Application Amount $921,590,000
Average Mortgage Loan Application Amount $927,000
Highest Mortgage Loan Application Amount $15,405,000
Average Applicant Income $495,000
Highest Applicant Income $9,693,000

Mortgage Company List for Lending in Dukes County, MA for 2025

* 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
Cape Cod Five Cents Savings Bank
1500 IYANNOUGH RD
HYANNIS, MA 02601
* $ n/a 109 $ 41,435,000
Rockland Trust Bank
288 UNION STREET
ROCKLAND, MA 02370
* $ n/a 102 $ 53,040,000
Marthas Vineyard Bank
496 STATE ROAD; PO BOX 610
WEST TISBURY, MA 02575
* $ n/a 80 $ 73,810,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 52 $ 27,670,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 46 $ 52,050,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 43 $ 66,845,000
Baycoast Bank
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 39 $ 26,915,000
Baycoast Mortgage Company, LLC
330 SWANSEA MALL DRIVE
SWANSEA, MA 02777
* $ n/a 35 $ 35,425,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 20 $ 15,650,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 19 $ 16,025,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 15 $ 51,075,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 15 $ 10,265,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 13 $ 11,305,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 12 $ 9,460,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 10 $ 6,290,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 9 $ 10,145,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 9 $ 22,875,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 9 $ 5,525,000
Eastern Bank
125 HIGH ST
BOSTON, MA 02110
* $ n/a 8 $ 4,760,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 8 $ 3,020,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 6,930,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 8 $ 8,110,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 7 $ 4,225,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 7 $ 9,495,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 7 $ 27,275,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 7 $ 2,725,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 7 $ 10,775,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 6 $ 5,650,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 6 $ 4,510,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 6 $ 5,720,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 6,980,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 6 $ 530,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ n/a 5 $ 13,455,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 5 $ 8,765,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 5 $ 5,315,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 5 $ 6,315,000
Bankesb
36 MAIN STREET
EASTHAMPTON, MA 01027
* $ n/a 5 $ 2,815,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 7,155,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 5 $ 2,605,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 5 $ 3,325,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ n/a 5 $ 5,475,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 1,910,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 1,070,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 4 $ 3,070,000
Middlesex Savings Bank
6 MAIN STREET
NATICK, MA 01760
* $ n/a 4 $ 3,620,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 4 $ 450,000
Ccg Fund 1, LLC
6 LIBERTY SQ #267
BOSTON, MA 02116
* $ n/a 4 $ 13,750,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 1,820,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 2,640,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 3,675,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ n/a 3 $ 3,565,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 3 $ 1,145,000
Cambridge Savings Bank
1374 MASSACHUSETTS AVENUE
CAMBRIDGE, MA 02138
* $ n/a 3 $ 5,515,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 3 $ 4,735,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 2,535,000
Needham Bank
1063 GREAT PLAIN AVE
NEEDHAM, MA 02492
* $ n/a 3 $ 1,585,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 3 $ 555,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 3 $ 19,005,000
Salem Five Cents Savings Bank
210 ESSEX ST
SALEM, MA 01970
* $ n/a 3 $ 2,405,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ n/a 3 $ 2,815,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 3 $ 4,255,000
Central One Federal Credit Union
714 MAIN ST
SHREWSBURY, MA 01545
* $ n/a 3 $ 1,555,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ n/a 3 $ 2,635,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 2 $ 6,330,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 2 $ 2,300,000
Bristol County Savings Bank
35 BROADWAY
TAUNTON, MA 02780
* $ n/a 2 $ 1,130,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 1,260,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ n/a 2 $ 1,900,000
Bangor Savings Bank
19 MAINE AVENUE
BANGOR, ME 04401
* $ n/a 2 $ 1,550,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 390,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 920,000
Mortgage Equity Partners LLC
220 BROADWAY SUITE 205
LYNNFIELD, MA 01940
* $ n/a 2 $ 2,350,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ n/a 2 $ 3,350,000
The Washington Trust Company, of Westerly
23 BROAD STREET
WESTERLY, RI 02891
* $ n/a 2 $ 2,390,000
Workers Federal Credit Union
815 MAIN STREET
LITTLETON, MA 01460
* $ n/a 2 $ 1,560,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 1,970,000
Cape & Coast Bank
121 MAIN STREET
YARMOUTH PORT, MA 02675
* $ n/a 2 $ 2,720,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 2 $ 2,350,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 2 $ 1,940,000
The Bank of Greene County
341 MAIN STREET
CATSKILL, NY 12414
* $ n/a 2 $ 3,180,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 2 $ 1,620,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 2 $ 3,960,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 2,350,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 3,960,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 1,570,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 2 $ 1,220,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 2 $ 3,500,000
Jeanne D'arc Credit Union
581 MERRIMACK ST.
LOWELL, MA 01854
* $ n/a 2 $ 1,250,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 2 $ 2,590,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 4,520,000
Churchill Funding I LLC
3220 WILKINSON BLVD UNIT A4
CHARLOTTE, NC 28203
* $ n/a 2 $ 5,570,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 2 $ 1,890,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 1,420,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 4,350,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 2 $ 1,710,000
Pcsb Bank
2651 STRANG BLVD., SUITE 100, P.O. BOX 712
YORKTOWN HEIGHTS, NY 10598
* $ n/a 2 $ 6,010,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 210,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 2 $ 2,710,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 1,220,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 1,085,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 625,000
Mortgage Markets Cuso, LLC
616 BURNSIDE AVENUE
EAST HARTFORD, CT 06108
* $ n/a 1 $ 805,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 1 $ 985,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 1,395,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 315,000
Beacon Bank & Trust

ALBANY, NY 12207
* $ n/a 1 $ 805,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 1 $ 1,475,000
Liberty Bank
6600 PLAZA DRIVE
NEW ORLEANS, LA 70127
* $ n/a 1 $ 605,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 995,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 885,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 655,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 715,000
Salem Five Mortgage Company LLC
210 ESSEX STREET
SALEM, MA 01970
* $ n/a 1 $ 1,875,000
Bank of Canton
490 TURNPIKE STREET
CANTON, MA 02021
* $ n/a 1 $ 1,125,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ n/a 1 $ 545,000
Direct Federal Credit Union
50 CABOT STREET
NEEDHAM, MA 02494
* $ n/a 1 $ 405,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 365,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ n/a 1 $ 1,005,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 115,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 1 $ 1,495,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 525,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 1,025,000
Florence Bank
85 MAIN STREET
FLORENCE, MA 01062
* $ n/a 1 $ 45,000
Rockland Federal Credit Union
241 UNION STREET
ROCKLAND, MA 02370
* $ n/a 1 $ 1,225,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 905,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 825,000
Avidia Bank
42 MAIN STREET
HUDSON, MA 01749
* $ n/a 1 $ 2,545,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 955,000
Northern Bank & Trust Company
275 MISHAWUM ROAD
WOBURN, MA 01801
* $ n/a 1 $ 2,805,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 105,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 1,335,000
Umassfive College Federal Credit Union
200 WESTGATE CENTER DRIVE, PO BOX 1060
HADLEY, MA 01035
* $ n/a 1 $ 155,000
Members Mortgage Company Inc
90 MAPLE STREET
STONEHAM, MA 02180
* $ n/a 1 $ 845,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 265,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 55,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 1,095,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 805,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 495,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 1 $ 3,005,000
Peoplesbank
330 WHITNEY AVENUE
HOLYOKE, MA 01040
* $ n/a 1 $ 1,155,000
Ardri LLC
27001 AGOURA ROAD #100
CALABASAS, CA 91301
* $ n/a 1 $ 2,375,000
New Fed Mortgage Corp.
98 HIGH ST
DANVERS, MA 01923
* $ n/a 1 $ 925,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 655,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 55,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 105,000
Bank of Easton
275 WASHINGTON STREET
NORTH EASTON, MA 02356
* $ n/a 1 $ 405,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 1,075,000
Reading Cooperative Bank
180 HAVEN STREET
READING, MA 01867
* $ n/a 1 $ 755,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 705,000
First Citizens' Federal Credit Union
200 MILL RD, SUITE 100
FAIRHAVEN, MA 02719
* $ n/a 1 $ 105,000
Winter Hill Bank
342 BROADWAY
SOMERVILLE, MA 02145
* $ n/a 1 $ 1,505,000

The tables below break down 2025 mortgage applications in Dukes County, MA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Dukes County, MA in 2025

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 332 $440,700,000 $1,327,000 $10,475,000 $704,000 $9,693,000
Cash-out Refinancing 191 $154,205,000 $807,000 $4,505,000 $366,000 $4,974,000
Refinancing 188 $186,840,000 $993,000 $15,405,000 $390,000 $7,163,000
Home Improvement 168 $62,360,000 $371,000 $5,005,000 $340,000 $2,497,000
Other Purpose 114 $77,150,000 $676,000 $9,995,000 $504,000 $6,832,000
Not Applicable 1 $335,000 $335,000 $335,000 $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 556 $466,860,000 $839,000 $15,405,000 $496,000 $9,693,000
Not Provided 143 $125,245,000 $875,000 $15,405,000 $447,000 $6,404,000
Black or African American 129 $142,195,000 $1,102,000 $10,005,000 $632,000 $4,974,000
Not applicable 101 $137,035,000 $1,356,000 $10,005,000 $428,000 $860,000
Hispanic 49 $38,635,000 $788,000 $4,065,000 $345,000 $2,398,000
Asian 10 $8,310,000 $831,000 $2,805,000 $335,000 $649,000
American Indian or Alaskan Native 6 $3,310,000 $551,000 $875,000 $172,000 $245,000
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) 958 $893,800,000 $932,000 $15,405,000 $506,000 $9,693,000
FHA-insured (Federal Housing Administration) 30 $21,500,000 $716,000 $1,495,000 $169,000 $624,000
VA-guaranteed (Veterans Administration) 6 $6,290,000 $1,048,000 $1,445,000 $240,000 $295,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 514 $482,370,000 $938,000 $15,405,000 $575,000 $7,163,000
Application Denied By Financial Institution 166 $111,890,000 $674,000 $10,005,000 $273,000 $4,974,000
Application Withdrawn By Applicant 140 $145,130,000 $1,036,000 $9,995,000 $521,000 $9,693,000
Loan Purchased By The Institution 98 $104,520,000 $1,066,000 $5,005,000 $390,000 $1,875,000
File Closed For Incompleteness 53 $42,695,000 $805,000 $10,005,000 $502,000 $6,404,000
Application Approved But Not Accepted 23 $34,985,000 $1,521,000 $15,405,000 $351,000 $1,348,000
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 745 $732,905,000 $983,000 $15,405,000 $526,000 $9,693,000
Debt-To-Income Ratio 159 $133,085,000 $837,000 $10,475,000 $466,000 $7,147,000
Credit History 26 $11,300,000 $434,000 $3,175,000 $253,000 $1,400,000
Collateral 24 $8,430,000 $351,000 $1,125,000 $212,000 $648,000
Other 19 $12,635,000 $665,000 $3,005,000 $314,000 $1,400,000
Credit Application Incomplete 14 $13,000,000 $928,000 $2,805,000 $476,000 $2,670,000
Unverifiable Information 6 $7,730,000 $1,288,000 $3,005,000 $463,000 $1,195,000
Insufficient Cash (Downpayment, Closing Cost) 1 $2,505,000 $2,505,000 $2,505,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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