Fayette County, TX Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 643 mortgage applications in Fayette County, TX totaling $172.4 million, down 19% from 2022. The average application was for $268,000, and applicants reported an average income of $158,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 72 applications, followed by Round Top State Bank and Triad Financial Services, 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 643
Total Mortgage Loan Application Amount $172,355,000
Average Mortgage Loan Application Amount $268,000
Highest Mortgage Loan Application Amount $2,505,000
Average Applicant Income $158,000
Highest Applicant Income $5,586,000

Mortgage Company List for Lending in Fayette County, TX for 2023

* 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
* $ -1,000 72 $ 10,070,000
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ 854,876,000 60 $ 17,780,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 35 $ 6,015,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 31 $ 3,815,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 37,695,970,000 22 $ 6,440,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 19 $ 3,095,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 13 $ 2,105,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 15,997,837,000 12 $ 1,780,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 11 $ 1,325,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 9 $ 875,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 2,565,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 2,890,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 23,954,627,000 8 $ 1,140,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 8 $ 2,070,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 8 $ 2,930,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 3,700,000
First National Bank of Shiner
103 W. 7TH ST / P. O. BOX 607
SHINER, TX 77984
* $ 872,453,000 8 $ 2,260,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 52,953,767,000 7 $ 1,955,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 7 $ 3,545,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 2,765,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 6 $ 1,870,000
Citizens State Bank
PO BOX 518
SOMERVILLE, TX 77879
* $ 1,008,648,000 5 $ 1,495,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 5 $ 1,815,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 48,668,073,000 5 $ 6,215,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 5 $ 2,065,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 5 $ 1,085,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 5 $ 1,565,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 1,325,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 5 $ 1,455,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 5 $ 695,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 5 $ 325,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 795,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 5 $ 1,145,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 5 $ 1,625,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 1,640,000
Tdecu
2000 POST OAK BLVD. STE. 2100
HOUSTON, TX 77056
* $ 4,701,298,000 4 $ 1,080,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 4 $ 420,000
The First National Bank of Bas
489 HIGHWAY 71 WEST (PO DRAWER F)
BASTROP, TX 78602
* $ 969,875,000 4 $ 1,240,000
Greater Texas FCU
1180 AIRPORT BLVD
AUSTIN, TX 78727
* $ 971,267,000 4 $ 330,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 3 $ 295,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 3 $ 885,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 3 $ 1,145,000
Frontier Bank of Texas
1213 HWY 290 E
ELGIN, TX 78621
* $ 678,428,000 3 $ 815,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 3 $ 365,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 315,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 635,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 3 $ 785,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 3 $ 855,000
Town Square Mortgage & Investments LLC
17300 DALLAS PKWY, STE 1030
DALLAS, TX 75248
* $ -1,000 3 $ 1,125,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 3 $ 2,215,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ -1,000 3 $ 775,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 89,544,919,000 3 $ 2,285,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 760,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 500,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ -1,000 2 $ 530,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 580,000
Crossroads Bank
406 W. GRAND AVE, P.O. BOX 778
YOAKUM, TX 77995
* $ 317,203,000 2 $ 920,000
Gardner Financial Services
3503 PAESANOS PKWY
SAN ANTONIO, TX 78259
* $ -1,000 2 $ 850,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 570,000
Pilgrim Mortgage LLC
1270 N LOOP 1604 E STE 1101
SAN ANTONIO, TX 78232
* $ -1,000 2 $ 910,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 250,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 2 $ 770,000
Industry State Bank
16886 FORDTRAN BLVD
INDUSTRY, TX 78944
* $ 878,450,000 2 $ 660,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 510,000
Bank of Brenham N.A.
501 S AUSTIN ST
BRENHAM, TX 77833
* $ 644,903,000 2 $ 1,850,000
Stellar Bank
9 GREENWAY PLAZA, SUITE 110
HOUSTON, TX 77046
* $ 10,891,835,000 2 $ 1,970,000
Texas First Bank
3232 PALMER HWY
TEXAS CITY, TX 77590
* $ 2,146,224,000 2 $ 2,140,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 2 $ 590,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 2 $ 560,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 400,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 2 $ 1,390,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 12,922,116,000 2 $ 730,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ -1,000 2 $ 330,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 360,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 340,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 590,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 530,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 880,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 2 $ 730,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 2 $ 860,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,725,398,000 2 $ 200,000
Texell Credit Union
PO BOX 983
TEMPLE, TX 76503
* $ 628,711,000 1 $ 115,000
VA Desert Pacific
2845 TEMPLE AVE
SIGNAL HILL, CA 90755
* $ 88,697,000 1 $ 35,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 205,000
Amplify Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ 1,525,654,000 1 $ 65,000
Austin County State Bank
P.O. BOX 1466
BELLVILLE, TX 77418
* $ 335,066,000 1 $ 275,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 165,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 305,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 47,596,192,000 1 $ 135,000
Associated Credit Union of Tx
1095 W LEAGUE CITY PKWY
LEAGUE CITY, TX 77573
* $ 514,169,000 1 $ 25,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 9,523,916,000 1 $ 505,000
American Momentum Bank
4830 W. KENNEDY BLVD. SUITE 200
COLLEGE STATION, TX 77845
* $ 2,833,412,000 1 $ 455,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ -1,000 1 $ 405,000
Willow Bend Mortgage Company, LLC
5800 W PLANO PKWY STE 105
PLANO, TX 75093
* $ -1,000 1 $ 455,000
Members Choice Credit Union
18211 KATY FREEWAY
HOUSTON, TX 77094
* $ 754,025,000 1 $ 105,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 1 $ 195,000
Gecu
1225 AIRWAY BLVD
EL PASO, TX 79925
* $ 4,220,529,000 1 $ 165,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ -1,000 1 $ 315,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 699,502,000 1 $ 185,000
Classic Bank, National Association
P.O. BOX 835
CAMERON, TX 76520
* $ 650,424,000 1 $ 2,145,000
R Bank
3600 E PALM VALLEY BLVD
ROUND ROCK, TX 78665
* $ 992,695,000 1 $ 305,000
H-E-B Federal Credit Union
4630 N LOOP 1604 W, SUITE 101
SAN ANTONIO, TX 78278
* $ 217,305,000 1 $ 305,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 295,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 1 $ 175,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 275,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 8,876,888,000 1 $ 65,000
Horizon Bank, SSB
600 CONGRESS AVENUE, SUITE 400
AUSTIN, TX 78701
* $ 2,362,329,000 1 $ 675,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 315,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 11,281,243,000 1 $ 115,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 275,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 395,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 325,000
Worthington Bank
200 W MAIN STREET
ARLINGTON, TX 76010
* $ 508,889,000 1 $ 505,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 1 $ 825,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 1 $ 375,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 1 $ 485,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 105,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 155,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 295,000
Barksdale Federal Credit Union
2701 VILLAGE LN
BOSSIER CITY, LA 71112
* $ 2,172,727,000 1 $ 105,000
Rb Mortgage LLC
ONE RANDOLPH BROOKS PARKWAY
LIVE OAK, TX 78233
* $ -1,000 1 $ 145,000
First Bank
300 E THRID
BURKBURNETT, TX 76359
* $ 631,768,000 1 $ 225,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 165,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 285,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 275,000
Brazos Valley Schools Credit U
25425 KINGSLAND BLVD
KATY, TX 77494
* $ 978,881,000 1 $ 45,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 375,000
Primis Bank

GLEN ALLEN, VA 23060
* $ -1,000 1 $ 155,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 7,415,263,000 1 $ 185,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ -1,000 1 $ 675,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 8,748,621,000 1 $ 405,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 285,000
Houston Police Federal Credit Union
1600 MEMORIAL DR
HOUSTON, TX 77007
* $ 893,054,000 1 $ 155,000
Citizens 1st Bank, Tyler Tx
3010 UNIVERSITY DR
NACOGDOCHES, TX 75965
* $ 708,489,000 1 $ 155,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 1 $ 435,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 155,000
The Brenham National Bank
2211 S DAY ST
BRENHAM, TX 77833
* $ 468,335,000 1 $ 135,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 255,000
First State Bank
P O BOX 5
LOUISE, TX 77455
* $ 809,214,000 1 $ 765,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 1,991,593,000 1 $ 365,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 1 $ 1,405,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Optionwide Financial Corp
7525 IRVINE CENTER DRIVE, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 715,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 405,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 18,252,788,000 1 $ 175,000
Floridacentral Credit Union
3333 HENDERSON BLVD
TAMPA, FL 33609
* $ 591,722,000 1 $ 85,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 165,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ 1,307,150,000 1 $ 325,000
Central Bank
11201 CLAY RD
HOUSTON, TX 77041
* $ 975,852,000 1 $ 605,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 215,000
Southstar Bank SSB
100 S. MAIN
MOULTON, TX 77975
* $ 1,106,115,000 1 $ 165,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 18,013,146,000 1 $ 505,000
Sage Capital Bank
1606 N SARAH DEWITT DRIVE
GONZALES, TX 78629
* $ 654,463,000 1 $ 135,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 4,002,150,000 1 $ 385,000
Mde Home Loans LLC
766 SHREWSBURY AVENUE
TINTON FALLS, NJ 07724
* $ -1,000 1 $ 675,000

The tables below break down 2023 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 2023

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 476 $134,020,000 $281,000 $2,505,000 $162,000 $5,586,000
Cash-out Refinancing 52 $12,430,000 $239,000 $845,000 $147,000 $1,480,000
Home Improvement 41 $5,555,000 $135,000 $575,000 $130,000 $364,000
Refinancing 40 $12,140,000 $303,000 $675,000 $130,000 $516,000
Other Purpose 33 $8,175,000 $247,000 $1,405,000 $183,000 $1,951,000
Not Applicable 1 $35,000 $35,000 $35,000 $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 401 $121,415,000 $302,000 $2,505,000 $176,000 $5,586,000
Hispanic 79 $13,085,000 $165,000 $825,000 $98,000 $784,000
Not Provided 71 $16,315,000 $229,000 $1,305,000 $169,000 $1,951,000
Not applicable 48 $14,890,000 $310,000 $1,875,000 $24,000 $24,000
Black or African American 39 $5,895,000 $151,000 $475,000 $94,000 $617,000
American Indian or Alaskan Native 3 $405,000 $135,000 $275,000 $43,000 $75,000
Asian 2 $350,000 $175,000 $235,000 $121,000 $179,000
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) 566 $148,630,000 $262,000 $2,505,000 $164,000 $5,586,000
FHA-insured (Federal Housing Administration) 44 $11,650,000 $264,000 $415,000 $98,000 $186,000
VA-guaranteed (Veterans Administration) 32 $11,890,000 $371,000 $675,000 $113,000 $276,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $185,000 $185,000 $185,000 $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 265 $82,085,000 $309,000 $2,505,000 $201,000 $5,586,000
Application Denied By Financial Institution 155 $28,955,000 $186,000 $1,875,000 $91,000 $516,000
Application Withdrawn By Applicant 84 $28,430,000 $338,000 $1,335,000 $184,000 $1,284,000
File Closed For Incompleteness 60 $11,870,000 $197,000 $1,405,000 $118,000 $993,000
Loan Purchased By The Institution 42 $12,180,000 $290,000 $725,000 $188,000 $188,000
Application Approved But Not Accepted 37 $8,835,000 $238,000 $805,000 $136,000 $736,000
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 412 $118,390,000 $287,000 $2,505,000 $172,000 $5,586,000
Debt-To-Income Ratio 128 $37,350,000 $291,000 $1,335,000 $165,000 $1,209,000
Credit History 68 $8,950,000 $131,000 $365,000 $86,000 $248,000
Unverifiable Information 9 $1,375,000 $152,000 $405,000 $80,000 $179,000
Collateral 8 $1,220,000 $152,000 $285,000 $174,000 $445,000
Credit Application Incomplete 7 $3,595,000 $513,000 $1,875,000 $128,000 $269,000
Other 6 $810,000 $135,000 $355,000 $128,000 $265,000
Employment History 3 $405,000 $135,000 $155,000 $64,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 2 $260,000 $130,000 $165,000 $86,000 $125,000
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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