Duplin County, NC Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,449 mortgage applications in Duplin County, NC totaling $235.1 million, up 8% from 2023. The average application was for $162,000, and applicants reported an average income of $88,000. 40% of applications resulted in an originated loan and 28% were denied. The most active lender was 21st Mortgage, with 245 applications, followed by State Employees' Credit Union and Vanderbilt Mortgage and Finance, Inc.

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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 1,449
Total Mortgage Loan Application Amount $235,065,000
Average Mortgage Loan Application Amount $162,000
Highest Mortgage Loan Application Amount $745,000
Average Applicant Income $88,000
Highest Applicant Income $2,860,000

Mortgage Company List for Lending in Duplin County, NC for 2024

* 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
* $ n/a 245 $ 33,335,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 177 $ 20,745,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 90 $ 10,650,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 60 $ 7,950,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 38 $ 9,470,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 36 $ 8,100,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 35 $ 6,495,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 29 $ 3,355,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 28 $ 7,530,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ n/a 28 $ 4,140,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 26 $ 5,740,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 25 $ 4,915,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 24 $ 5,850,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 20 $ 3,970,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 20 $ 1,450,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 20 $ 4,730,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 19 $ 1,575,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ n/a 19 $ 2,845,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 19 $ 1,855,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 17 $ 3,295,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ n/a 16 $ 3,690,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 14 $ 870,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 12 $ 1,630,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 11 $ 1,835,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 11 $ 2,515,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 3,055,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 11 $ 3,035,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 11 $ 1,715,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 11 $ 2,725,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 10 $ 820,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 1,830,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 9 $ 1,015,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 9 $ 1,045,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 9 $ 2,405,000
Agcarolina Farm Credit, Aca
PO BOX 14789 4000 POOLE ROAD
RALEIGH, NC 27610
* $ n/a 8 $ 2,250,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 7 $ 355,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 6 $ 1,020,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 6 $ 620,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 6 $ 1,750,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 480,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 6 $ 420,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 5 $ 685,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 1,035,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 5 $ 1,775,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 5 $ 1,285,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 5 $ 1,565,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 4 $ 1,320,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 4 $ 240,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 690,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 4 $ 770,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 4 $ 540,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 4 $ 580,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 4 $ 510,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 4 $ 840,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 4 $ 460,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 4 $ 520,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 4 $ 660,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 4 $ 430,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 445,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 3 $ 255,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 725,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 3 $ 1,045,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 3 $ 365,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 3 $ 715,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 3 $ 805,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 1,595,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 3 $ 75,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 3 $ 695,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 3 $ 625,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 250,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 470,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 250,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 650,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ n/a 2 $ 210,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 620,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 500,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 2 $ 180,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 330,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 2 $ 410,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 550,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 2 $ 110,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 700,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 2 $ 220,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 2 $ 410,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 2 $ 390,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 230,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 420,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 2 $ 360,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 2 $ 730,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 2 $ 190,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 130,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ n/a 2 $ 660,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 230,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 460,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 400,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 145,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 125,000
Abnb Federal Credit Union
830 GREENBRIER CIRCLE
CHESAPEAKE, VA 23320
* $ n/a 1 $ 45,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 685,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 55,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 155,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 195,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 265,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 1 $ 125,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 1 $ 25,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 175,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 485,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 1 $ 15,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 365,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 185,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 165,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 1 $ 125,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 235,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 1 $ 175,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ n/a 1 $ 175,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 1 $ 185,000
Credence Funding Corporation
1200 TECHNOLOGY DR SUITE A
ABERDEEN, MD 21001
* $ n/a 1 $ 175,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 55,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 1 $ 275,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 1 $ 125,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 245,000
Marine Federal Credit Union
4180 WESTERN BLVD
JACKSONVILLE, NC 28546
* $ n/a 1 $ 35,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 205,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 635,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ n/a 1 $ 375,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 145,000
Bayvanguard Bank
7114 NORTH POINT ROAD
BALTIMORE, MD 21236
* $ n/a 1 $ 235,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 155,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 295,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ n/a 1 $ 165,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 255,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 105,000
First Flight Federal Credit Union
1815 KILDAIRE FARM RD STE A
CARY, NC 27518
* $ n/a 1 $ 95,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ n/a 1 $ 255,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 95,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 1 $ 205,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 115,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 95,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 195,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 205,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 55,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ n/a 1 $ 15,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 225,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ n/a 1 $ 185,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ n/a 1 $ 185,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ n/a 1 $ 185,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 155,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 65,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 195,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 95,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 1 $ 5,000

The tables below break down 2024 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 2024

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 833 $154,245,000 $185,000 $745,000 $80,000 $980,000
Cash-out Refinancing 177 $31,465,000 $177,000 $545,000 $82,000 $443,000
Other Purpose 159 $14,385,000 $90,000 $505,000 $91,000 $490,000
Refinancing 152 $26,560,000 $174,000 $725,000 $99,000 $783,000
Home Improvement 128 $8,410,000 $65,000 $255,000 $123,000 $2,860,000
Not Applicable 0 $0 $0 $0 $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 810 $132,980,000 $164,000 $745,000 $98,000 $2,860,000
Black or African American 223 $30,405,000 $136,000 $485,000 $66,000 $260,000
Hispanic 172 $25,020,000 $145,000 $595,000 $72,000 $283,000
Not Provided 119 $18,575,000 $156,000 $545,000 $82,000 $341,000
Not applicable 106 $25,330,000 $238,000 $745,000 $71,000 $90,000
American Indian or Alaskan Native 11 $1,085,000 $98,000 $225,000 $64,000 $151,000
Asian 4 $900,000 $225,000 $425,000 $68,000 $92,000
Native Hawaiian or Other Pacific Islander 4 $770,000 $192,000 $455,000 $77,000 $126,000

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) 1,021 $136,995,000 $134,000 $745,000 $89,000 $2,860,000
FHA-insured (Federal Housing Administration) 235 $45,985,000 $195,000 $505,000 $72,000 $206,000
VA-guaranteed (Veterans Administration) 185 $50,335,000 $272,000 $745,000 $95,000 $349,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,750,000 $218,000 $295,000 $78,000 $91,000

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 579 $102,875,000 $177,000 $745,000 $92,000 $980,000
Application Denied By Financial Institution 410 $52,780,000 $128,000 $685,000 $82,000 $2,860,000
File Closed For Incompleteness 157 $20,885,000 $133,000 $485,000 $82,000 $1,411,000
Application Withdrawn By Applicant 156 $27,490,000 $176,000 $725,000 $89,000 $783,000
Loan Purchased By The Institution 98 $23,260,000 $237,000 $745,000 $64,000 $90,000
Application Approved But Not Accepted 48 $7,490,000 $156,000 $545,000 $94,000 $238,000
Preapproval Denied by Financial Institution 1 $285,000 $285,000 $285,000 $96,000 $96,000
Preapproval Approved but not Accepted 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 1,036 $181,740,000 $175,000 $745,000 $90,000 $1,411,000
Credit History 171 $20,405,000 $119,000 $545,000 $87,000 $2,860,000
Debt-To-Income Ratio 102 $13,500,000 $132,000 $505,000 $53,000 $359,000
Collateral 42 $4,420,000 $105,000 $495,000 $100,000 $466,000
Credit Application Incomplete 36 $4,510,000 $125,000 $685,000 $114,000 $783,000
Other 21 $3,585,000 $170,000 $545,000 $99,000 $236,000
Unverifiable Information 21 $3,595,000 $171,000 $685,000 $109,000 $783,000
Insufficient Cash (Downpayment, Closing Cost) 18 $2,890,000 $160,000 $285,000 $78,000 $136,000
Employment History 2 $420,000 $210,000 $265,000 $54,000 $68,000
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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