Fayette County, TX Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 634 mortgage applications in Fayette County, TX totaling $128.7 million, up 12% from 2018. The average application was for $203,000, and applicants reported an average income of $113,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was Round Top State Bank, with 66 applications, followed by 21st Mortgage and Prosperity Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 634
Total Mortgage Loan Application Amount $128,740,000
Average Mortgage Loan Application Amount $203,000
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $113,000
Highest Applicant Income $1,782,000

Mortgage Company List for Lending in Fayette County, TX for 2019

* 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
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ 560,226,000 66 $ 13,820,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 64 $ 6,300,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 22,689,286,000 39 $ 7,425,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 29 $ 6,105,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 21 $ 1,775,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 1,025,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 2,855,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 11 $ 2,605,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 10 $ 2,610,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 10 $ 1,980,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 2,190,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,345,000
The First National Bank of Bas
489 HIGHWAY 71 WEST (PO DRAWER F)
BASTROP, TX 78602
* $ 568,889,000 9 $ 2,455,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 8 $ 1,650,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 7 $ 1,595,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,355,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,565,000
The First National Bank of Shiner
103 W. 7TH ST / P. O. BOX 607
SHINER, TX 77984
* $ 740,116,000 7 $ 945,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 6 $ 1,170,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 6 $ 630,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 6 $ 1,090,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 990,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 9,275,910,000 6 $ 1,010,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 1,170,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 655,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 1,325,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 5 $ 1,325,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 5 $ 525,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 5 $ 625,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,513,109,000 4 $ 1,080,000
Tdecu
2000 POST OAK BLVD. STE. 2100
HOUSTON, TX 77056
* $ 3,270,024,000 4 $ 530,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 1,545,656,000 4 $ 610,000
Greater Texas FCU
1180 AIRPORT BLVD
AUSTIN, TX 78727
* $ 635,237,000 4 $ 540,000
Pioneer Bank, SSB
623 W 38TH STREET
AUSTIN, TX 78705
* $ 1,553,403,000 4 $ 440,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 4 $ 770,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 4 $ 1,040,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 580,000
Capital Farm Credit, Aca
3000 BRIARCREST DRIVE SUITE 601
BRYAN, TX 77802
* $ -1,000 4 $ 900,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 375,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 3 $ 395,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 915,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 585,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 765,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ -1,000 3 $ 785,000
Crockett National Bank
8018 BROADWAY STE 200
SAN ANTONIO, TX 78209
* $ 643,198,000 3 $ 1,205,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 565,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,710,801,000 3 $ 565,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 3 $ 555,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 68,745,745,000 3 $ 895,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 1,005,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 375,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 745,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 460,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 470,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 2 $ 410,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 2 $ 460,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 7,010,234,000 2 $ 710,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 2 $ 450,000
Classic Bank, National Association
P.O. BOX 835
CAMERON, TX 76520
* $ 368,047,000 2 $ 320,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 230,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 2 $ 390,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 740,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 2 $ 260,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 2 $ 280,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 210,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 540,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 2 $ 660,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 250,000
Citizens State Bank
PO BOX 518
SOMERVILLE, TX 77879
* $ 585,429,000 2 $ 680,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 59,366,170,000 2 $ 740,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 2 $ 4,140,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 280,000
Citizens National Bank
118 S HOUSTON
CAMERON, TX 76520
* $ 416,331,000 2 $ 660,000
Amplify Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ 957,527,000 2 $ 240,000
Homeway Mortgage LLC
23218 RED RIVER DR.
KATY, TX 77494
* $ -1,000 2 $ 320,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 3,335,459,000 2 $ 500,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 2 $ 720,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 297,303,000 2 $ 540,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 2 $ 1,190,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 2 $ 250,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 2 $ 540,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 105,746,000 2 $ 520,000
Gardner Financial Services, Ltd.
3503 PAESANOS PKWY
SAN ANTONIO, TX 78231
* $ -1,000 2 $ 660,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 2 $ 130,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 535,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 295,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 1 $ 245,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 820,261,000 1 $ 205,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ -1,000 1 $ 185,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 185,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ -1,000 1 $ 225,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 185,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 32,355,408,000 1 $ 195,000
West Texas National Bank
6 DESTA DRIVE STE 2400
MIDLAND, TX 79705
* $ 1,430,581,000 1 $ 355,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 215,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 65,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 225,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 405,000
Members Choice Credit Union
18211 KATY FREEWAY
HOUSTON, TX 77094
* $ 589,088,000 1 $ 575,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 265,000
Frontier Bank of Texas
1213 HWY 290 E
ELGIN, TX 78621
* $ 263,274,000 1 $ 355,000
Home Financing Unlimited, Inc.
901 SOUTH MOPAC BUILDING V, SUITE 120
AUSTIN, TX 78746
* $ -1,000 1 $ 65,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 255,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 205,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 145,000
Rally Credit Union
2814 RODD FIELD
CORPUS CHRISTI, TX 78414
* $ 2,970,687,000 1 $ 205,000
Allegiance Bank
8727 W SAM HOUSTON PARKWAY N
HOUSTON, TX 77040
* $ 4,653,896,000 1 $ 1,155,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 738,388,000 1 $ 125,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
Southstar Bank SSB
100 S. MAIN
MOULTON, TX 77975
* $ 677,479,000 1 $ 165,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 1 $ 165,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 75,000
Communitybank of Texas, N.A.
9 GREENWAY PLAZA, SUITE 110
HOUSTON, TX 77046
* $ 3,280,197,000 1 $ 1,205,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 75,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 275,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 1 $ 365,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 25,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 275,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 1 $ 185,000
American Bank of Commerce
530 US 62 FRONTAGE RD
WOLFFORTH, TX 79382
* $ 969,592,000 1 $ 95,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 165,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,707,183,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 175,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 9,842,314,000 1 $ 1,095,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 1 $ 255,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 355,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 455,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 125,000
First Service Credit Union
9621 WEST SAM HOUSTON PKWY N #110
HOUSTON, TX 77084
* $ 746,345,000 1 $ 325,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 145,000
Traders & Farmers Bank
PO BOX 550
HALEYVILLE, AL 35565
* $ 358,656,000 1 $ 55,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 205,000
Complex Community Federal CU
2201 S GRANDVIEW
ODESSA, TX 79766
* $ 515,177,000 1 $ 265,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 275,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 105,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 18,008,424,000 1 $ 235,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,029,298,000 1 $ 415,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 1 $ 285,000
Houston Texas Fire Fighters
4200 KOLB ST.
HOUSTON, TX 77007
* $ 260,044,000 1 $ 75,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 355,000
Crossroads Bank
406 W. GRAND AVE, P.O. BOX 778
YOAKUM, TX 77995
* $ 202,352,000 1 $ 45,000
Community National Bank & Trust of Texas
PO BOX 624
CORSICANA, TX 75151
* $ 751,528,000 1 $ 85,000
Firstbank Southwest
2401 S. GEORGIA
AMARILLO, TX 79109
* $ 996,832,000 1 $ 65,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 85,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 195,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 195,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 275,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 195,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 1 $ 255,000
Infinity Mortgage Holdings, LLC
3420 EXECUTIVE CENTER DRIVE, SUITE G100
AUSTIN, TX 78731
* $ -1,000 1 $ 225,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ -1,000 1 $ 95,000

The tables below break down 2019 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 2019

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 400 $79,350,000 $198,000 $1,725,000 $114,000 $1,782,000
Refinancing 89 $19,335,000 $217,000 $1,095,000 $105,000 $556,000
Cash-out Refinancing 87 $22,925,000 $263,000 $4,005,000 $106,000 $670,000
Home Improvement 31 $4,145,000 $133,000 $855,000 $141,000 $1,139,000
Other Purpose 25 $2,725,000 $109,000 $385,000 $112,000 $460,000
Not Applicable 2 $260,000 $130,000 $145,000 $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 393 $80,105,000 $203,000 $855,000 $118,000 $1,139,000
Hispanic 91 $13,315,000 $146,000 $715,000 $88,000 $670,000
Not Provided 74 $15,870,000 $214,000 $1,205,000 $138,000 $1,782,000
Not applicable 36 $14,320,000 $397,000 $4,005,000 $122,000 $261,000
Black or African American 30 $3,650,000 $121,000 $605,000 $65,000 $139,000
American Indian or Alaskan Native 9 $1,145,000 $127,000 $245,000 $89,000 $104,000
Native Hawaiian or Other Pacific Islander 1 $335,000 $335,000 $335,000 $62,000 $62,000
Asian 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) 535 $106,505,000 $199,000 $4,005,000 $119,000 $1,782,000
FHA-insured (Federal Housing Administration) 50 $9,400,000 $188,000 $305,000 $72,000 $141,000
VA-guaranteed (Veterans Administration) 46 $12,160,000 $264,000 $605,000 $65,000 $136,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $675,000 $225,000 $245,000 $70,000 $78,000

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 318 $72,540,000 $228,000 $4,005,000 $121,000 $1,139,000
Application Denied By Financial Institution 136 $20,200,000 $148,000 $1,725,000 $99,000 $1,782,000
Application Withdrawn By Applicant 61 $12,325,000 $202,000 $685,000 $104,000 $436,000
Loan Purchased By The Institution 49 $11,025,000 $225,000 $595,000 $135,000 $556,000
File Closed For Incompleteness 45 $7,115,000 $158,000 $605,000 $99,000 $341,000
Application Approved But Not Accepted 25 $5,535,000 $221,000 $715,000 $111,000 $283,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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 427 $92,695,000 $217,000 $4,005,000 $107,000 $670,000
Debt-To-Income Ratio 113 $22,315,000 $197,000 $855,000 $135,000 $1,139,000
Credit History 42 $4,900,000 $116,000 $1,205,000 $103,000 $1,782,000
Collateral 15 $4,115,000 $274,000 $1,725,000 $122,000 $472,000
Credit Application Incomplete 14 $2,220,000 $158,000 $485,000 $138,000 $366,000
Other 13 $1,545,000 $118,000 $305,000 $141,000 $710,000
Unverifiable Information 7 $555,000 $79,000 $155,000 $50,000 $77,000
Insufficient Cash (Downpayment, Closing Cost) 2 $260,000 $130,000 $165,000 $107,000 $162,000
Employment History 1 $135,000 $135,000 $135,000 $52,000 $52,000
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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