Fayette County, TX Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 748 mortgage applications in Fayette County, TX totaling $222.3 million, up 13% from 2024. The average application was for $297,000, and applicants reported an average income of $171,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 80 applications, followed by Round Top State Bank 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 748
Total Mortgage Loan Application Amount $222,270,000
Average Mortgage Loan Application Amount $297,000
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $171,000
Highest Applicant Income $2,915,000

Mortgage Company List for Lending in Fayette County, TX for 2025

* 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 80 $ 11,030,000
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ n/a 57 $ 18,475,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 31 $ 4,145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 24 $ 3,090,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 23 $ 9,245,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 18 $ 3,360,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 18 $ 2,380,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 16 $ 5,370,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ n/a 16 $ 5,210,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 14 $ 6,540,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 13 $ 1,575,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 13 $ 5,525,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 11 $ 6,895,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 10 $ 1,580,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 10 $ 1,330,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ n/a 10 $ 1,450,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 10 $ 1,910,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 10 $ 4,480,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 10 $ 2,190,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 9 $ 2,955,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 8 $ 2,310,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 8 $ 2,410,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 8 $ 1,290,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 7 $ 7,905,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 7 $ 1,465,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 7 $ 3,225,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 6 $ 2,460,000
The First National Bank of Bas
489 HIGHWAY 71 WEST (PO DRAWER F)
BASTROP, TX 78602
* $ n/a 6 $ 4,200,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 6 $ 800,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ n/a 6 $ 4,280,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 6 $ 1,330,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 6 $ 3,330,000
Tdecu
2000 POST OAK BLVD. STE. 2100
HOUSTON, TX 77056
* $ n/a 6 $ 1,380,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 6 $ 2,430,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 5 $ 1,695,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 5 $ 1,025,000
First National Bank of Shiner
103 W. 7TH ST / P. O. BOX 607
SHINER, TX 77984
* $ n/a 5 $ 1,525,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 5 $ 1,955,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 5 $ 815,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 4 $ 1,780,000
Greater Texas FCU
1180 AIRPORT BLVD
AUSTIN, TX 78727
* $ n/a 4 $ 1,100,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 970,000
Crossroads Bank
406 W. GRAND AVE, P.O. BOX 778
YOAKUM, TX 77995
* $ n/a 3 $ 385,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 3 $ 415,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 715,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 3 $ 945,000
Citizens State Bank
PO BOX 518
SOMERVILLE, TX 77879
* $ n/a 3 $ 2,125,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 3 $ 875,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 1,175,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 3 $ 1,055,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 3 $ 515,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 825,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 1,025,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 565,000
United Heritage Credit Union
12208 N MOPAC EXPY
AUSTIN, TX 78759
* $ n/a 3 $ 315,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 3 $ 3,625,000
Rally Credit Union
2814 RODD FIELD
CORPUS CHRISTI, TX 78414
* $ n/a 3 $ 125,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ n/a 3 $ 1,045,000
First Lockhart Bank
P O BOX 600
LOCKHART, TX 78644
* $ n/a 2 $ 110,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 1,130,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 1,270,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 230,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ n/a 2 $ 230,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 160,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 2 $ 460,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ n/a 2 $ 790,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 2 $ 1,220,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 590,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 260,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 2 $ 350,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 2 $ 740,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 940,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 830,000
Amplify Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ n/a 2 $ 110,000
Classic Bank, National Association
P.O. BOX 835
CAMERON, TX 76520
* $ n/a 2 $ 490,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 720,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 2 $ 690,000
Wagon Hill Home Loans LLC
4700 W SAM HOUSTON PKWY N
HOUSTON, TX 77041
* $ n/a 2 $ 910,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 2 $ 550,000
Aml Funding LLC dba Absolute Mortgage & Lending
4230 LYNDON B JOHNSON FWY #626
DALLAS, TX 75244
* $ n/a 2 $ 390,000
Public Employees Credit Union
PO BOX 2205
AUSTIN, TX 78701
* $ n/a 2 $ 280,000
New Fed Mortgage Corp.
98 HIGH ST
DANVERS, MA 01923
* $ n/a 2 $ 540,000
Stellar Bank
9 GREENWAY PLAZA, SUITE 110
HOUSTON, TX 77046
* $ n/a 2 $ 960,000
Members Choice Credit Union
18211 KATY FREEWAY
HOUSTON, TX 77094
* $ n/a 2 $ 670,000
Consumers Credit Union
1075 TRI STATE PARKWAY STE 850
GURNEE, IL 60031
* $ n/a 1 $ 175,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 485,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 445,000
Brazos Valley Schools Credit U
25425 KINGSLAND BLVD
KATY, TX 77494
* $ n/a 1 $ 585,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 1,505,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 675,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 1 $ 105,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 1 $ 805,000
H-E-B Federal Credit Union
4630 N LOOP 1604 W, SUITE 101
SAN ANTONIO, TX 78278
* $ n/a 1 $ 315,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ n/a 1 $ 145,000
Texas Partners Bank
1900 NW LOOP 410
SAN ANTONIO, TX 78213
* $ n/a 1 $ 2,905,000
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ n/a 1 $ 265,000
American Federal Mortgage Corporation
360 ROUTE 24
CHESTER, NJ 07930
* $ n/a 1 $ 605,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 165,000
American Bank, N.A.
P O BOX 6469
CORPUS CHRISTI, TX 78466
* $ n/a 1 $ 365,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 1 $ 305,000
Southtrust Bank, N.A.
601 GUADALUPE ST
GEORGE WEST, TX 78022
* $ n/a 1 $ 2,525,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 245,000
Susser Bank
3030 MATLOCK ROAD
ARLINGTON, TX 76015
* $ n/a 1 $ 485,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ n/a 1 $ 445,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 445,000
Austin County State Bank
P.O. BOX 1466
BELLVILLE, TX 77418
* $ n/a 1 $ 375,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 1 $ 675,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 975,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 135,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 285,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ n/a 1 $ 595,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 605,000
Texell Credit Union
PO BOX 983
TEMPLE, TX 76503
* $ n/a 1 $ 435,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ n/a 1 $ 215,000
Southstar Bank SSB
100 S. MAIN
MOULTON, TX 77975
* $ n/a 1 $ 345,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 215,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 1 $ 375,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 275,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 105,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ n/a 1 $ 205,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 585,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 1 $ 275,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 1 $ 95,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 325,000
Rogue Credit Union
1370 CENTER DRIVE
MEDFORD, OR 97501
* $ n/a 1 $ 145,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 425,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 135,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 465,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 405,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 1 $ 285,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 1 $ 835,000
Industry State Bank
16886 FORDTRAN BLVD
INDUSTRY, TX 78944
* $ n/a 1 $ 325,000
All Reverse Mortgage, Inc
2019 W CHAPMAN AVENUE
ORANGE, CA 92868
* $ n/a 1 $ 155,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 1 $ 105,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ n/a 1 $ 415,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 1 $ 1,115,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ n/a 1 $ 425,000
Harris County FCU
1400 FRANKLIN ST
HOUSTON, TX 77002
* $ n/a 1 $ 115,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 1 $ 405,000
Aspire Home Loans
6615 VAUGHT RANCH RD STE 200
AUSTIN, TX 78730
* $ n/a 1 $ 165,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 385,000
Orchard Mortgage, LLC
8900 BUSINESS PARK DR
AUSTIN, TX 78705
* $ n/a 1 $ 335,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 1 $ 165,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 55,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 425,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 635,000
The Brenham National Bank
2211 S DAY ST
BRENHAM, TX 77833
* $ n/a 1 $ 955,000
Citizens State Bank
P O BOX 600
SEALY, TX 77474
* $ n/a 1 $ 95,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ n/a 1 $ 105,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 185,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 245,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 305,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 85,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 105,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 215,000

The tables below break down 2025 mortgage applications in Fayette County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Fayette County, TX in 2025

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 458 $136,990,000 $299,000 $3,005,000 $166,000 $2,305,000
Cash-out Refinancing 102 $30,670,000 $300,000 $2,905,000 $198,000 $2,915,000
Refinancing 100 $37,940,000 $379,000 $1,865,000 $181,000 $2,238,000
Other Purpose 56 $11,430,000 $204,000 $1,505,000 $168,000 $1,800,000
Home Improvement 32 $5,240,000 $163,000 $425,000 $151,000 $566,000
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 435 $141,555,000 $325,000 $2,265,000 $184,000 $2,915,000
Hispanic 118 $21,600,000 $183,000 $2,085,000 $117,000 $2,305,000
Not Provided 71 $21,575,000 $303,000 $3,005,000 $199,000 $2,206,000
Not applicable 60 $26,240,000 $437,000 $3,005,000 $715,000 $2,915,000
Black or African American 48 $7,030,000 $146,000 $585,000 $80,000 $626,000
American Indian or Alaskan Native 8 $1,330,000 $166,000 $445,000 $136,000 $520,000
Asian 8 $2,940,000 $367,000 $805,000 $354,000 $704,000
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) 642 $185,340,000 $288,000 $3,005,000 $178,000 $2,915,000
FHA-insured (Federal Housing Administration) 61 $17,225,000 $282,000 $495,000 $88,000 $366,000
VA-guaranteed (Veterans Administration) 42 $19,360,000 $460,000 $1,805,000 $164,000 $417,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $345,000 $115,000 $185,000 $67,000 $71,000

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 332 $114,150,000 $343,000 $3,005,000 $188,000 $2,915,000
Application Denied By Financial Institution 179 $35,145,000 $196,000 $1,505,000 $119,000 $2,238,000
Application Withdrawn By Applicant 85 $30,815,000 $362,000 $3,005,000 $178,000 $2,206,000
File Closed For Incompleteness 69 $15,555,000 $225,000 $1,505,000 $143,000 $720,000
Loan Purchased By The Institution 48 $15,860,000 $330,000 $1,805,000 $477,000 $2,915,000
Application Approved But Not Accepted 33 $8,255,000 $250,000 $955,000 $174,000 $942,000
Preapproval Denied by Financial Institution 2 $2,490,000 $1,245,000 $2,085,000 $1,216,000 $2,305,000
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 502 $160,130,000 $318,000 $3,005,000 $185,000 $2,915,000
Debt-To-Income Ratio 121 $37,385,000 $308,000 $2,905,000 $132,000 $865,000
Credit History 67 $9,345,000 $139,000 $605,000 $108,000 $1,012,000
Collateral 21 $6,605,000 $314,000 $1,005,000 $213,000 $2,238,000
Credit Application Incomplete 11 $2,905,000 $264,000 $1,505,000 $338,000 $1,800,000
Unverifiable Information 10 $1,340,000 $134,000 $355,000 $67,000 $120,000
Other 9 $3,485,000 $387,000 $2,085,000 $485,000 $2,305,000
Insufficient Cash (Downpayment, Closing Cost) 5 $845,000 $169,000 $465,000 $118,000 $248,000
Employment History 2 $230,000 $115,000 $125,000 $141,000 $211,000
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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