Effingham County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 1,671 mortgage applications in Effingham County, IL totaling $284.7 million, up 59% from 2019. The average application was for $170,000, and applicants reported an average income of $100,000. 68% of applications resulted in an originated loan and 11% were denied. The most active lender was Dieterich Bank, with 530 applications, followed by Petefish, Skiles, & Company Bank and Midland States 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 | 1,671 |
| Total Mortgage Loan Application Amount | $284,665,000 |
| Average Mortgage Loan Application Amount | $170,000 |
| Highest Mortgage Loan Application Amount | $1,275,000 |
| Average Applicant Income | $100,000 |
| Highest Applicant Income | $1,710,000 |
* 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 |
|---|---|---|---|---|
| Dieterich Bank 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 806,234,000 | 530 | $ 96,690,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 193,834,000 | 302 | $ 53,450,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 6,073,827,000 | 114 | $ 21,890,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 88 | $ 11,930,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 41 | $ 2,335,000 |
| First National Bank of Waterloo 228 S. MAIN STREET, P.O. BOX 507 WATERLOO, IL 62298 |
* | $ 491,832,000 | 37 | $ 6,725,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,808,206,000 | 37 | $ 6,245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 32 | $ 4,730,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 31 | $ 4,425,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 24 | $ 3,750,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 369,667,000 | 23 | $ 4,535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 19 | $ 2,785,000 |
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ 461,835,000 | 17 | $ 2,485,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 17 | $ 3,685,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 15 | $ 2,425,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 3,560,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 11 | $ 1,155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,680,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 2,905,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 9 | $ 2,545,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 7 | $ 495,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 7 | $ 1,575,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 1,575,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 7 | $ 385,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 510,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 6 | $ 980,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 1,310,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 6 | $ 360,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 565,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 585,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 3,918,468,000 | 5 | $ 355,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 670,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 370,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 710,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 4 | $ 410,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 670,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 4 | $ 940,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 4 | $ 710,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 750,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 4 | $ 1,430,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 3 | $ 305,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 225,000 |
| First State Bank and Trust 201 W MAIN ST MONTICELLO, IL 61856 |
* | $ 272,037,000 | 3 | $ 815,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 9,679,115,000 | 3 | $ 265,000 |
| United Fidelity Bank, FSB PO BOX 1347 EVANSVILLE, IN 47706 |
* | $ 968,809,000 | 3 | $ 525,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 555,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 202,070,000 | 3 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 195,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 1,325,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,411,656,000 | 3 | $ 645,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 3 | $ 375,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 155,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 3 | $ 455,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 385,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 2 | $ 180,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 210,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 2 | $ 370,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 40,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 2 | $ 350,000 |
| Scott State Bank 101 WEST MAIN STREET BETHANY, IL 61914 |
* | $ 172,727,000 | 2 | $ 150,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 2 | $ 390,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 790,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 50,000 |
| The Bradford National Bank of Greenville 100 E COLLEGE AVE GREENVILLE, IL 62246 |
* | $ 367,781,000 | 2 | $ 330,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,074,320,000 | 2 | $ 60,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 420,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 2 | $ 110,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 270,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 670,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 696,014,000 | 2 | $ 500,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 2 | $ 370,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 360,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 14,434,311,000 | 1 | $ 85,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,909,697,000 | 1 | $ 225,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 1 | $ 35,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ 363,948,000 | 1 | $ 35,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 305,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 105,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 125,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 372,592,000 | 1 | $ 235,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 155,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 295,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 1 | $ 295,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 405,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 309,299,000 | 1 | $ 145,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 125,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 145,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,048,788,000 | 1 | $ 305,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 115,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,675,000 | 1 | $ 205,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| The Fnb Community Bank 432 WEST GALLATIN STREET VANDALIA, IL 62471 |
* | $ 355,622,000 | 1 | $ 185,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ 958,632,000 | 1 | $ 125,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 195,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 493,429,000 | 1 | $ 65,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 295,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 205,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 135,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 175,000 |
| Lending 3, Inc 17220 NEWHOPE ST. SUITE 213 FOUNTAIN VALLEY, CA 92708 |
* | $ -1,000 | 1 | $ 135,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 45,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 1 | $ 75,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 125,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 465,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 125,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| Aurgroup Financial Credit Union 8811 HOLDEN BLVD FAIRFIELD, OH 45014 |
* | $ 159,296,000 | 1 | $ 75,000 |
| Bank of Pontiac 300 W WASHINGTON ST PONTIAC, IL 61764 |
* | $ 566,444,000 | 1 | $ 225,000 |
| The Farmers and Merchants National Bank 120 WEST ST. LOUIS STREET NASHVILLE, IL 62263 |
* | $ 189,619,000 | 1 | $ 255,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 235,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 17,757,753,000 | 1 | $ 275,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 215,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 105,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 265,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 406,921,000 | 1 | $ 185,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 155,000 |
| The First National Bank in Carlyle 891 FAIRFAX ST., PO BOX 280 CARLYLE, IL 62231 |
* | $ 202,031,000 | 1 | $ 45,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 684,678,000 | 1 | $ 195,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,040,288,000 | 1 | $ 95,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 155,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 315,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 265,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 175,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 55,000 |
| Axiom Bank, N.A. 258 SOUTHHALL LN SUITE 400 MAITLAND, FL 32751 |
* | $ 672,019,000 | 1 | $ 65,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 1 | $ 65,000 |
| State Bank 885 N ILLINOIS ROUTE 3 WATERLOO, IL 62298 |
* | $ 195,645,000 | 1 | $ 245,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2020 mortgage applications in Effingham County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Effingham County, IL in 2020
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 | 719 | $131,045,000 | $182,000 | $1,055,000 | $104,000 | $943,000 |
| Home Purchase | 556 | $86,030,000 | $154,000 | $1,275,000 | $84,000 | $582,000 |
| Cash-out Refinancing | 318 | $59,980,000 | $188,000 | $795,000 | $109,000 | $922,000 |
| Other Purpose | 57 | $5,595,000 | $98,000 | $395,000 | $150,000 | $1,710,000 |
| Home Improvement | 15 | $1,285,000 | $85,000 | $265,000 | $75,000 | $140,000 |
| Not Applicable | 6 | $730,000 | $121,000 | $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 | 1,499 | $257,715,000 | $171,000 | $1,275,000 | $100,000 | $1,710,000 |
| Not applicable | 84 | $12,720,000 | $151,000 | $1,055,000 | $40,000 | $73,000 |
| Not Provided | 65 | $10,935,000 | $168,000 | $465,000 | $88,000 | $450,000 |
| Hispanic | 11 | $1,325,000 | $120,000 | $225,000 | $107,000 | $451,000 |
| Asian | 5 | $1,055,000 | $211,000 | $595,000 | $174,000 | $635,000 |
| American Indian or Alaskan Native | 3 | $335,000 | $111,000 | $135,000 | $64,000 | $78,000 |
| Black or African American | 2 | $240,000 | $120,000 | $165,000 | $36,000 | $51,000 |
| 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) | 1,369 | $240,495,000 | $175,000 | $1,275,000 | $106,000 | $1,710,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 119 | $12,895,000 | $108,000 | $235,000 | $45,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 107 | $20,845,000 | $194,000 | $795,000 | $86,000 | $922,000 |
| FHA-insured (Federal Housing Administration) | 76 | $10,430,000 | $137,000 | $315,000 | $57,000 | $178,000 |
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 | 1,141 | $201,585,000 | $176,000 | $1,275,000 | $103,000 | $1,710,000 |
| Application Denied By Financial Institution | 185 | $23,775,000 | $128,000 | $685,000 | $62,000 | $487,000 |
| Application Withdrawn By Applicant | 138 | $25,830,000 | $187,000 | $795,000 | $106,000 | $922,000 |
| Loan Purchased By The Institution | 78 | $11,900,000 | $152,000 | $545,000 | $133,000 | $582,000 |
| Application Approved But Not Accepted | 72 | $12,820,000 | $178,000 | $585,000 | $109,000 | $504,000 |
| File Closed For Incompleteness | 56 | $8,480,000 | $151,000 | $785,000 | $116,000 | $943,000 |
| Preapproval Denied by Financial Institution | 1 | $275,000 | $275,000 | $275,000 | $101,000 | $101,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 877 | $155,625,000 | $177,000 | $1,275,000 | $106,000 | $1,710,000 |
| Not applicable | 699 | $116,855,000 | $167,000 | $1,055,000 | $96,000 | $943,000 |
| Credit History | 44 | $4,280,000 | $97,000 | $275,000 | $51,000 | $109,000 |
| Collateral | 21 | $3,625,000 | $172,000 | $685,000 | $90,000 | $381,000 |
| Credit Application Incomplete | 12 | $1,480,000 | $123,000 | $435,000 | $97,000 | $240,000 |
| Other | 8 | $1,550,000 | $193,000 | $435,000 | $79,000 | $183,000 |
| Unverifiable Information | 4 | $680,000 | $170,000 | $535,000 | $78,000 | $194,000 |
| Employment History | 4 | $370,000 | $92,000 | $145,000 | $17,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $145,000 | $41,000 | $60,000 |
| 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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