Elbert County, GA Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 1,163 mortgage applications in Elbert County, GA totaling $99.5 million. The average application was for $85,000, and applicants reported an average income of $47,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was Regions Bank, with 189 applications, followed by Taylor, Bean & Whitaker and Wells Fargo Home Mortgage.
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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 | 1,163 |
| Total Mortgage Loan Application Amount | $99,546,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $731,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $483,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 44,835,341,000 | 189 | $ 13,873,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 147 | $ 16,558,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 47 | $ 4,269,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 46 | $ 4,143,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 38 | $ 2,473,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 34 | $ 2,425,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 34 | $ 1,261,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 26 | $ 2,911,000 |
| Crescent Bank & Trust P.O. BOX 2020 JASPER, GA 30143 |
* | $ 341,607,000 | 24 | $ 3,326,000 |
| Crescent Mortgage Company 115 PERIMETER CENTER PLACE STE 285 ATLANTA, GA 30346 |
* | $ 561,042,000 | 23 | $ 2,319,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 19 | $ 1,705,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 17 | $ 1,525,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 16 | $ 1,241,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 15 | $ 817,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 15 | $ 1,183,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 14 | $ 1,418,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 479,000 |
| Afb&T PO BOX 1747 ATHENS, GA 30603 |
* | $ 831,152,000 | 14 | $ 894,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 14 | $ 693,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 14 | $ 1,057,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 14 | $ 1,728,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 13 | $ 1,102,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 13 | $ 974,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 12 | $ 1,052,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 12 | $ 1,221,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 834,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 11 | $ 984,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 11 | $ 906,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 11 | $ 1,160,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 10 | $ 736,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 10 | $ 572,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 10 | $ 440,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 9 | $ 607,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 8 | $ 583,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 7 | $ 779,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 7 | $ 278,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 7 | $ 946,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 7 | $ 662,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 7 | $ 528,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 6 | $ 484,000 |
| Bsm Financial, L.P. 1301 CENTRAL EXPRESSWAY SOUTH ALLEN, TX 75013 |
* | $ 10,000,000 | 6 | $ 533,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 6 | $ 684,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 6 | $ 564,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 6 | $ 626,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 6 | $ 502,000 |
| Main Street Bank 2713 FOREST HILLS ROAD WILSON, NC 27893 |
* | $ 1,378,178,000 | 6 | $ 989,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 6 | $ 502,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 5 | $ 579,000 |
| Keybank USA, N.A. 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 8,943,095,000 | 5 | $ 280,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 5 | $ 317,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 4 | $ 253,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 4 | $ 485,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 4 | $ 319,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 4 | $ 262,000 |
| Wells Fargo Fin'l Georgia, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,177,470,000 | 4 | $ 246,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 23,894,865,000 | 4 | $ 192,000 |
| Amtrust Mortgage Corporation 100 GLENRIDGE POINT PKWY, SUITE 400 ATLANTA, GA 30342 |
* | $ 10,000,000 | 3 | $ 264,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 3 | $ 306,000 |
| Emmco, LLC 113 REED AVENUE LEXINGTON, SC 29072 |
* | $ 10,000,000 | 3 | $ 164,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 3 | $ 180,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 3 | $ 241,000 |
| Webster Bank 609 WEST JOHNSON AVE CHESHIRE, CT 06410 |
* | $ 13,354,305,000 | 3 | $ 427,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 3 | $ 292,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 225,000 |
| HSBC Bank, USA ONE HSBC CENTER/24TH FLOOR BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 3 | $ 239,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 59,635,661,000 | 3 | $ 322,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 2 | $ 210,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 2 | $ 406,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 2 | $ 28,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 241,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 2 | $ 83,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 2 | $ 192,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 2 | $ 269,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 115,148,694,000 | 2 | $ 40,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 2 | $ 648,000 |
| Dovenmuehle Funding, Inc 1 CORPORATE DRIVE SUITE 360 LAKE ZURICH, IL 60047 |
* | $ 10,000,000 | 2 | $ 176,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 366,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 2 | $ 150,000 |
| First Mutual Bank 400 108TH AVE NE BELLEVUE, WA 98004 |
* | $ 742,648,000 | 2 | $ 10,000 |
| Gb Home Equity, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 2 | $ 74,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 3,615,781,000 | 2 | $ 119,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 2 | $ 86,000 |
| Homebanc Mortgage Corporation 2002 SUMMIT BOULEVARD SUITE 100 ATLANTA, GA 30319 |
* | $ 10,000,000 | 2 | $ 168,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 214,000 |
| Anderson Federal Credit Union PO BOX 2427 ANDERSON, SC 29622 |
* | $ 56,590,000 | 2 | $ 119,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 114,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 171,000 |
| Citimortgage, Inc 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 281,018,000,000 | 2 | $ 144,000 |
| Community Resource Mortgage 508 HAMPTON STREET COLUMBIA, SC 29201 |
* | $ 437,320,000 | 2 | $ 217,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 23,205,467,000 | 2 | $ 57,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 1 | $ 37,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 1 | $ 82,000 |
| Century Mortgage Corporation 5655 PEACHTREE PARKWAY NORCROSS, GA 30092 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Bridge Capital Corporation 27121 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Bank of North Ga 8025 WESTSIDE PKWY ALPHARETTA, GA 30004 |
* | $ 1,431,327,000 | 1 | $ 98,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 9,975,591,000 | 1 | $ 89,000 |
| Bank of the Carolinas P O BOX 347 ADVANCE, NC 27006 |
* | $ 194,491,000 | 1 | $ 62,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 60,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 1 | $ 65,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 1 | $ 52,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 685,828,000 | 1 | $ 152,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Greenpoint Bank 5032 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 |
* | $ 21,814,445,000 | 1 | $ 86,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 1 | $ 150,000 |
| Florida Bank, N. A. 151 CORLEY MILL ROAD LEXINGTON, SC 29072 |
* | $ 749,141,000 | 1 | $ 71,000 |
| Georgetown Mortgage Inc. 10 GLENLAKE PKWY SOUTH TOWER STE 950 ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 1 | $ 111,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 728,315,000 | 1 | $ 100,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 84,000 |
| First American Bank 300 COLLEGE AVE ATHENS, GA 30607 |
* | $ 200,008,000 | 1 | $ 38,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Sunshine Mortgage Corporation 2401 LAKE PARK DRIVE, SUITE 300 SMYRNA, GA 30080 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Riverside Residential Lending 1200 JOHNSON FERRY ROAD MARIETTA, GA 30068 |
* | $ 350,000,000 | 1 | $ 149,000 |
| Service First Mortgage, L.C. 4171 W. HILLSBORO BLVD. STE 10 COCONUT CREEK, FL 33073 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 62,382,000 | 1 | $ 60,000 |
| The Peoples Bank 801 E FRONT ST IVA, SC 29655 |
* | $ 139,227,000 | 1 | $ 88,000 |
| The Peoples National Bank PO BOX 1989 EASLEY, SC 29641 |
* | $ 256,070,000 | 1 | $ 57,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 84,000 |
| National City Home Loan Servic 1900 E 9TH ST CLEVELAND, OH 44114 |
* | $ 15,000,000,000 | 1 | $ 150,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 1 | $ 26,000 |
| Matrix Financial Services Corp 2133 WEST PEORIA AVE PHOENIX, AZ 85029 |
* | $ 1,138,000,000 | 1 | $ 52,000 |
| Impac Funding Corp 19500 JAMBOREE ROAD IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 95,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 100,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,316,308,000 | 1 | $ 122,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 335,210,000 | 1 | $ 70,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 118,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 50,000 |
| Pine State Mortgage Corp 6065 ROSWELL ROAD SUITE 300 ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 120,000 |
The tables below break down 2003 mortgage applications in Elbert County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Elbert County, GA in 2003
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 (home purchase or home improvement, one-to-four family) | 904 | $81,155,000 | $89,000 | $579,000 | $46,000 | $375,000 |
| Home Purchase (one-to-four family) | 200 | $16,761,000 | $83,000 | $731,000 | $49,000 | $483,000 |
| Home Improvement (one-to-four family) | 58 | $1,017,000 | $17,000 | $81,000 | $45,000 | $372,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $613,000 | $613,000 | $613,000 | $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 | 755 | $70,136,000 | $92,000 | $579,000 | $55,000 | $483,000 |
| Information not provided by applicant in mail or telephone application | 165 | $13,670,000 | $82,000 | $731,000 | $49,000 | $258,000 |
| Black | 159 | $8,412,000 | $52,000 | $256,000 | $31,000 | $150,000 |
| Not applicable | 52 | $4,539,000 | $87,000 | $613,000 | $0 | $0 |
| Other | 13 | $1,236,000 | $95,000 | $165,000 | $50,000 | $108,000 |
| Hispanic | 10 | $800,000 | $80,000 | $140,000 | $22,000 | $49,000 |
| Asian or Pacific Islander | 8 | $627,000 | $78,000 | $120,000 | $66,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $126,000 | $126,000 | $126,000 | $64,000 | $64,000 |
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) | 1,140 | $97,545,000 | $85,000 | $731,000 | $47,000 | $483,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,503,000 | $88,000 | $156,000 | $36,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 6 | $498,000 | $83,000 | $106,000 | $21,000 | $45,000 |
| 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 | 600 | $56,568,000 | $94,000 | $731,000 | $53,000 | $483,000 |
| Application Denied By Financial Institution | 275 | $18,718,000 | $68,000 | $424,000 | $45,000 | $375,000 |
| Loan Purchased By The Institution | 104 | $9,178,000 | $88,000 | $286,000 | $25,000 | $134,000 |
| Application Withdrawn By Applicant | 87 | $7,240,000 | $83,000 | $325,000 | $49,000 | $180,000 |
| Application Approved But Not Accepted | 72 | $5,901,000 | $81,000 | $216,000 | $46,000 | $156,000 |
| File Closed For Incompleteness | 25 | $1,941,000 | $77,000 | $244,000 | $47,000 | $258,000 |
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 | 44 | $3,204,000 | $72,000 | $240,000 | $40,000 | $372,000 |
| Other | 28 | $2,191,000 | $78,000 | $216,000 | $50,000 | $278,000 |
| Debt-To-Income Ratio | 20 | $1,397,000 | $69,000 | $186,000 | $39,000 | $72,000 |
| Collateral | 20 | $2,211,000 | $110,000 | $424,000 | $87,000 | $375,000 |
| Credit Application Incomplete | 15 | $880,000 | $58,000 | $120,000 | $40,000 | $62,000 |
| Unverifiable Information | 5 | $316,000 | $63,000 | $84,000 | $35,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $473,000 | $94,000 | $145,000 | $54,000 | $94,000 |
| Employment History | 2 | $99,000 | $49,000 | $53,000 | $60,000 | $90,000 |
| 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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