Duplin County, NC Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,208 mortgage applications in Duplin County, NC totaling $130.3 million, up 4% from 2017. The average application was for $107,000, and applicants reported an average income of $69,000. 40% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 176 applications, followed by State Employees' Credit Union and Truist 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 1,208
Total Mortgage Loan Application Amount $130,320,000
Average Mortgage Loan Application Amount $107,000
Highest Mortgage Loan Application Amount $665,000
Average Applicant Income $69,000
Highest Applicant Income $671,000

Mortgage Company List for Lending in Duplin County, NC for 2018

* 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
* $ -1,000 176 $ 11,730,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 37,318,930,000 148 $ 12,140,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 84 $ 9,340,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 49 $ 5,165,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 49 $ 3,355,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 45 $ 5,745,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 34,346,930,000 31 $ 2,575,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 2,580,152,000 28 $ 2,860,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,909,115,000 25 $ 2,695,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 5,547,490,000 24 $ 3,230,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 23 $ 3,315,000
Alpha Mortgage Corporation
1013 ASHES DRIVE
WILMINGTON, NC 28405
* $ -1,000 22 $ 2,650,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 21 $ 3,035,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 16 $ 1,600,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 2,165,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 1,960,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 13 $ 1,645,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,160,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 11 $ 595,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 11 $ 965,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 11,903,875,000 11 $ 775,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 9 $ 1,355,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 9 $ 805,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 9 $ 1,395,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 8 $ 1,090,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,600,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 8 $ 1,150,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 1,280,000
Cape Fear Farm Credit, Aca
333 E RUSSELL ST
FAYETTEVILLE, NC 28301
* $ -1,000 8 $ 1,260,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 7 $ 915,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 7 $ 375,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 14,461,396,000 7 $ 395,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 7 $ 865,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,145,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 6 $ 850,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,489,427,000 6 $ 840,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 6 $ 890,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 850,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 5 $ 285,000
Potomac Mortgage Group, Inc.
4035 RIDGE TOP ROAD, SUITE 100
FAIRFAX, VA 22030
* $ -1,000 5 $ 1,605,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 585,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 5 $ 565,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 625,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 4 $ 1,140,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 4 $ 690,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 430,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 520,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 550,000
Marine Federal Credit Union
4180 WESTERN BLVD
JACKSONVILLE, NC 28546
* $ 717,374,000 4 $ 410,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 465,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 3 $ 645,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 3 $ 405,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 3 $ 355,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 3 $ 445,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 405,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 585,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 3 $ 375,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 3 $ 345,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 3 $ 445,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 385,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 145,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 205,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 505,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 285,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 160,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 440,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 2 $ 290,000
Piedmont Advantage Credit Unio
3530 ADVANTAGE WAY
WINSTON SALEM, NC 27103
* $ 341,293,000 2 $ 100,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 200,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 288,294,007,000 2 $ 80,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 2 $ 190,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 90,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 1,391,299,000 2 $ 100,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 2 $ 690,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 8,522,273,000 2 $ 430,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 180,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 230,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 160,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 170,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 2 $ 240,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 2 $ 300,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 2 $ 390,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 230,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ -1,000 2 $ 350,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 260,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 310,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 440,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 19,236,876,000 2 $ 860,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 240,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 31,211,939,000 2 $ 100,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 2 $ 220,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 1,343,220,000 2 $ 120,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,528,090,000 2 $ 210,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 310,000
Carolinas Telco FCU
PO BOX 668467
CHARLOTTE, NC 28266
* $ 451,136,000 1 $ 105,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 1 $ 335,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 1 $ 95,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 205,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 25,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 125,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 125,000
Latino Community Credit Union
P.O. DRAWER 25279
DURHAM, NC 27709
* $ 276,798,000 1 $ 45,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 30,280,467,000 1 $ 65,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 95,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 65,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 135,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 55,000
Union Bank
1011 RED BANKS RD
GREENVILLE, NC 27858
* $ 702,528,000 1 $ 55,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 495,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 1 $ 45,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 105,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 55,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 145,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 1 $ 65,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 1 $ 125,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 198,592,000,000 1 $ 205,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 22,081,233,000 1 $ 275,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 315,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 833,451,000 1 $ 105,000
Crescom Bank
288 MEETING ST
CHARLESTON, SC 29401
* $ 3,519,141,000 1 $ 95,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 55,000
Resource Financial Services, Inc.
2717 DEVINE STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 155,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 355,000
Towne Mtg of the Carolinas,Llc
4515 FALLS OF NEUSE RD, STE 300
RALEIGH, NC 27612
* $ -1,000 1 $ 145,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 175,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ -1,000 1 $ 125,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 25,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 8,908,994,000 1 $ 165,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 145,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 55,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 135,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 145,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 125,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 1 $ 65,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 1 $ 55,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 45,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 1 $ 65,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,387,961,000 1 $ 45,000
Arvest Bank

TULSA, OK 74103
* $ 16,758,528,000 1 $ 95,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ 871,844,000 1 $ 85,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 5,571,210,000 1 $ 85,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 115,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ -1,000 1 $ 235,000
Excite Credit Union
3315 ALMADEN EXPY, SUITE 55
SAN JOSE, CA 95119
* $ 475,924,000 1 $ 35,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 575,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ 377,881,000 1 $ 85,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 115,000

The tables below break down 2018 mortgage applications in Duplin County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Duplin County, NC in 2018

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 646 $73,240,000 $113,000 $665,000 $64,000 $563,000
Refinancing 195 $21,595,000 $110,000 $445,000 $73,000 $393,000
Cash-out Refinancing 157 $23,085,000 $147,000 $575,000 $79,000 $671,000
Other Purpose 95 $5,935,000 $62,000 $215,000 $71,000 $256,000
Home Improvement 89 $4,325,000 $48,000 $125,000 $72,000 $341,000
Not Applicable 26 $2,140,000 $82,000 $195,000 $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 712 $77,920,000 $109,000 $665,000 $76,000 $671,000
Black or African American 228 $20,740,000 $90,000 $485,000 $55,000 $563,000
Not Provided 107 $12,895,000 $120,000 $455,000 $63,000 $248,000
Not applicable 99 $12,895,000 $130,000 $445,000 $62,000 $124,000
Hispanic 50 $4,410,000 $88,000 $495,000 $46,000 $172,000
American Indian or Alaskan Native 7 $865,000 $123,000 $205,000 $72,000 $160,000
Asian 1 $85,000 $85,000 $85,000 $93,000 $93,000
Native Hawaiian or Other Pacific Islander 1 $195,000 $195,000 $195,000 $163,000 $163,000

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) 849 $81,585,000 $96,000 $665,000 $72,000 $671,000
FHA-insured (Federal Housing Administration) 179 $20,715,000 $115,000 $295,000 $55,000 $260,000
VA-guaranteed (Veterans Administration) 129 $22,375,000 $173,000 $575,000 $71,000 $249,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $5,645,000 $110,000 $205,000 $45,000 $155,000

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 478 $56,900,000 $119,000 $575,000 $80,000 $537,000
Application Denied By Financial Institution 352 $30,480,000 $86,000 $665,000 $56,000 $671,000
Application Withdrawn By Applicant 125 $14,715,000 $117,000 $455,000 $67,000 $203,000
Loan Purchased By The Institution 123 $15,825,000 $128,000 $575,000 $68,000 $202,000
File Closed For Incompleteness 99 $9,355,000 $94,000 $495,000 $68,000 $502,000
Application Approved But Not Accepted 31 $3,045,000 $98,000 $415,000 $67,000 $210,000
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 855 $99,785,000 $116,000 $575,000 $75,000 $537,000
Credit History 160 $12,200,000 $76,000 $295,000 $53,000 $563,000
Debt-To-Income Ratio 87 $7,125,000 $81,000 $335,000 $33,000 $393,000
Collateral 55 $6,025,000 $109,000 $665,000 $86,000 $671,000
Other 25 $2,475,000 $99,000 $215,000 $71,000 $256,000
Credit Application Incomplete 14 $1,650,000 $117,000 $225,000 $73,000 $170,000
Unverifiable Information 9 $695,000 $77,000 $145,000 $60,000 $106,000
Employment History 3 $365,000 $121,000 $265,000 $60,000 $121,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
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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