Enid, OK Metro Area Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,853 mortgage applications in Enid, OK metro area totaling $235.4 million, down 12% from 2017. The average application was for $127,056, and applicants reported an average income of $78,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Bokf NA, with 228 applications, followed by Primelending and Gateway Mortgage Group, LLC.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2003  
Total Number of Mortgage Applications 1,853
Total Mortgage Loan Application Amount $235,435,000
Average Mortgage Loan Application Amount $127,056
Highest Mortgage Loan Application Amount $2,505,000
Average Applicant Income $78,000
Highest Applicant Income $1,000,000

Mortgage Company List for Lending in Enid, OK 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
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 228 $ 18,740,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 143 $ 17,875,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 122 $ 17,100,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 101 $ 12,535,000
Financial Concpepts Mortgage
2949 S BRYANT
EDMOND, OK 73013
* $ -1,000 85 $ 13,415,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 69 $ 8,115,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 65 $ 11,715,000
Security National Bank
201 WEST BROADWAY
ENID, OK 73703
* $ 328,913,000 59 $ 7,775,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 89,765,667,000 45 $ 3,405,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 3,493,190,000 45 $ 5,635,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 3,697,490,000 44 $ 2,920,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 629,025,000 40 $ 5,660,000
The Bank of Kremlin
P.O. BOX 197, 102 6TH ST.
KREMLIN, OK 73753
* $ 297,001,000 36 $ 2,770,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 34 $ 5,120,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 29 $ 6,805,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 28 $ 2,860,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 26 $ 4,700,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 24 $ 3,930,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 629,684,000 18 $ 2,320,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 18 $ 3,130,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 1,765,000
First Bank & Trust Company
PO BOX 878
PERRY, OK 73077
* $ 150,110,000 16 $ 1,610,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 16 $ 1,730,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 1,920,000
Acb Bank
323 S GRAND AVE
CHEROKEE, OK 73728
* $ 120,674,000 15 $ 2,185,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 15 $ 595,000
Arvest Bank

TULSA, OK 74103
* $ 16,758,528,000 15 $ 1,405,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 1,143,613,000 15 $ 1,325,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,020,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 13 $ 1,215,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 12 $ 940,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 11 $ 1,545,000
Nbc Oklahoma
13401 N PENN
OKC, OK 73120
* $ 680,040,000 11 $ 695,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 10 $ 1,520,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 7,236,903,000 10 $ 880,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 10 $ 1,820,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 1,425,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 1,605,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 9 $ 435,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 990,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 8 $ 740,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 7 $ 1,085,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 7 $ 965,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 7 $ 1,005,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 506,990,000 6 $ 420,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 970,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 6 $ 270,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 440,521,000 5 $ 1,095,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 795,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 5 $ 275,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 505,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 4 $ 670,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 4 $ 460,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 4 $ 1,050,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 4 $ 990,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 6,286,552,000 4 $ 650,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 280,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 690,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 360,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 3 $ 515,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 505,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 565,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 3 $ 465,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 3 $ 975,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 415,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 2 $ 100,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 90,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 133,225,000 2 $ 230,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 250,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 130,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 350,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 80,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 2 $ 440,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 250,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,727,667,000 2 $ 110,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 450,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 2 $ 230,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 2 $ 700,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 390,000
Bank7
1039 N.W. 63RD ST
OKLAHOMA CITY, OK 73116
* $ 702,648,000 2 $ 280,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 280,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 210,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 2 $ 230,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 420,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 260,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 2 $ 350,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 2 $ 110,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 440,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 190,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,099,773,000 2 $ 350,000
BNC National Bank

BISMARCK, ND 58501
* $ 945,013,000 2 $ 530,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 360,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 287,995,000 2 $ 290,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 460,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 2 $ 260,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 250,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 200,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 2 $ 740,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 2 $ 810,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 933,081,000 1 $ 285,000
Kanza Bank
2233 N GREENWICH RD
WICHITA, KS 67226
* $ 216,160,000 1 $ 35,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 799,815,000 1 $ 2,505,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 456,898,000 1 $ 145,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 105,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 175,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 105,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 30,280,467,000 1 $ 125,000
Outdoor Bank
2401 N SETH CHILD RD
MANHATTAN, KS 66503
* $ 220,244,000 1 $ 125,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 135,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 55,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 645,000
Westerra Credit Union
3700 E ALAMEDA AVE
DENVER, CO 80209
* $ 1,535,006,000 1 $ 45,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 776,142,000 1 $ 55,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 968,347,000 1 $ 265,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 195,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 195,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 205,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 85,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 215,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 805,442,000 1 $ 15,000
Allegiance Federal Credit Union
4235 N MERIDIAN AVE
OKLAHOMA CITY, OK 73112
* $ 255,622,000 1 $ 95,000
First American Mortgage, Inc.
1501 S. RANCHWOOD BLVD.
YUKON, OK 73099
* $ -1,000 1 $ 95,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 105,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 125,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 115,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 395,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 962,643,000 1 $ 115,000
Texans Credit Union
777 E. CAMPBELL ROAD #300
RICHARDSON, TX 75081
* $ 1,576,600,000 1 $ 25,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 145,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 25,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 2,764,317,000 1 $ 175,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 105,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
The Security National Bank of Sioux City, Iowa
601 PIERCE STREET
SIOUX CITY, IA 51101
* $ 952,586,000 1 $ 205,000
First Bank and Trust Co
PO BOX 580
DUNCAN, OK 73533
* $ 593,709,000 1 $ 55,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 2,794,779,000 1 $ 325,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 1,024,927,000 1 $ 15,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,787,790,000 1 $ 135,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 125,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 175,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 115,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 105,000
Horizon Bank
10841 N 142ND STREET
WAVERLY, NE 68462
* $ 276,368,000 1 $ 605,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 75,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 155,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ -1,000 1 $ 75,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 425,000
Equitable Bank
PO BOX 160
GRAND ISLAND, NE 68802
* $ 270,271,000 1 $ 285,000
US Employees Oc Federal Credit Union
4301 S INTERSTATE 44 SERVICE RD.
OKLAHOMA CITY, OK 73119
* $ 162,687,000 1 $ 35,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 45,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 55,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 9,380,854,000 1 $ 205,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 225,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 95,000

The tables below break down 2018 mortgage applications in Enid, OK metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Enid, OK 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 1,113 $156,755,000 $140,000 $1,305,000 $76,000 $1,000,000
Cash-out Refinancing 279 $37,055,000 $132,000 $705,000 $73,000 $375,000
Refinancing 194 $25,800,000 $132,000 $2,505,000 $110,000 $654,000
Home Improvement 118 $5,820,000 $49,000 $295,000 $73,000 $421,000
Other Purpose 113 $6,775,000 $59,000 $355,000 $69,000 $349,000
Not Applicable 36 $3,230,000 $89,000 $385,000 $44,000 $78,000

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 1,174 $146,710,000 $124,000 $705,000 $77,000 $1,000,000
Not applicable 254 $37,480,000 $147,000 $2,505,000 $77,000 $153,000
Not Provided 195 $26,985,000 $138,000 $705,000 $75,000 $292,000
Hispanic 134 $13,490,000 $100,000 $305,000 $92,000 $654,000
American Indian or Alaskan Native 33 $3,425,000 $103,000 $265,000 $61,000 $293,000
Asian 31 $4,075,000 $131,000 $345,000 $135,000 $500,000
Black or African American 27 $2,665,000 $98,000 $365,000 $52,000 $148,000
Native Hawaiian or Other Pacific Islander 4 $460,000 $115,000 $155,000 $45,000 $67,000

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) 1,085 $127,215,000 $117,000 $2,505,000 $86,000 $1,000,000
FHA-insured (Federal Housing Administration) 478 $53,770,000 $112,000 $285,000 $56,000 $184,000
VA-guaranteed (Veterans Administration) 273 $52,825,000 $193,000 $705,000 $81,000 $258,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $1,625,000 $95,000 $185,000 $40,000 $87,000

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 1,049 $139,405,000 $132,000 $2,505,000 $78,000 $846,000
Application Denied By Financial Institution 269 $24,095,000 $89,000 $645,000 $62,000 $441,000
Loan Purchased By The Institution 256 $36,170,000 $141,000 $425,000 $79,000 $187,000
Application Withdrawn By Applicant 194 $25,990,000 $133,000 $705,000 $105,000 $1,000,000
File Closed For Incompleteness 48 $5,850,000 $121,000 $305,000 $66,000 $160,000
Application Approved But Not Accepted 35 $3,465,000 $99,000 $305,000 $76,000 $278,000
Preapproval Denied by Financial Institution 2 $460,000 $230,000 $405,000 $97,000 $174,000
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 1,460 $197,300,000 $135,000 $2,505,000 $81,000 $1,000,000
Debt-To-Income Ratio 188 $21,060,000 $112,000 $645,000 $75,000 $500,000
Credit History 86 $5,540,000 $64,000 $405,000 $53,000 $157,000
Collateral 49 $3,785,000 $77,000 $255,000 $79,000 $441,000
Credit Application Incomplete 32 $4,790,000 $149,000 $425,000 $79,000 $240,000
Unverifiable Information 12 $800,000 $66,000 $175,000 $68,000 $161,000
Insufficient Cash (Downpayment, Closing Cost) 11 $815,000 $74,000 $175,000 $46,000 $142,000
Other 10 $990,000 $99,000 $205,000 $74,000 $150,000
Employment History 4 $310,000 $77,000 $165,000 $86,000 $146,000
Mortgage Insurance Denied 1 $45,000 $45,000 $45,000 $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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