Floyd County, VA Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 661 mortgage applications in Floyd County, VA totaling $119.4 million, down 26% from 2021. The average application was for $180,000, and applicants reported an average income of $93,000. 59% of applications resulted in an originated loan and 14% were denied. The most active lender was Atlantic Union Bank, with 67 applications, followed by Alcova Mortgage, LLC and Skyline National Bank.
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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 | 661 |
| Total Mortgage Loan Application Amount | $119,415,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $93,000 |
| Highest Applicant Income | $859,000 |
* 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 |
|---|---|---|---|---|
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,000,309,000 | 67 | $ 8,615,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 67 | $ 14,065,000 |
| Skyline National Bank PO BOX 186 INDEPENDENCE, VA 24348 |
* | $ 995,564,000 | 42 | $ 7,530,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 38 | $ 4,420,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 886,853,000 | 27 | $ 2,795,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 26 | $ 3,900,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 16 | $ 3,120,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 1,454,750,000 | 15 | $ 2,205,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 3,110,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 3,380,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,946,484,000 | 13 | $ 2,985,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 3,779,449,000 | 12 | $ 750,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 10 | $ 1,950,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,435,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 3,183,928,000 | 9 | $ 1,925,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,510,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 58,215,736,000 | 8 | $ 840,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,890,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,275,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ -1,000 | 7 | $ 1,115,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,133,175,000 | 7 | $ 745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,310,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 1,070,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 3,327,290,000 | 6 | $ 850,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 1,260,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 6 | $ 1,100,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 5 | $ 1,145,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 5 | $ 1,185,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 945,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 740,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 4 | $ 260,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 4 | $ 570,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 4 | $ 930,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 4 | $ 850,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,793,269,000 | 4 | $ 960,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 520,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 4 | $ 1,110,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 730,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 820,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 4 | $ 610,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 745,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 1,085,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 3 | $ 125,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 38,275,134,000 | 3 | $ 775,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 51,653,025,000 | 3 | $ 675,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 705,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 705,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 125,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 3 | $ 655,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 520,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 430,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 370,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 2 | $ 160,000 |
| Bayport Credit Union 2107 HARTFORD RD, SUITE B NEWPORT NEWS, VA 23606 |
* | $ 2,278,711,000 | 2 | $ 440,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 370,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 670,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 2 | $ 700,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 2 | $ 780,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 2 | $ 440,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 2,640,347,000 | 2 | $ 720,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 490,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 2 | $ 440,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 350,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 280,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 4,993,101,000 | 2 | $ 260,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 340,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 220,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 2 | $ 480,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 423,958,417,000 | 1 | $ 125,000 |
| Apl Federal Credit Union 11050 JOHNS HOPKINS ROAD LAUREL, MD 20723 |
* | $ 621,138,000 | 1 | $ 15,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 265,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 85,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 305,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 225,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 255,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 285,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 16,361,399,000 | 1 | $ 145,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 275,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 95,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 1 | $ 315,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 105,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 375,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 545,000 |
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ 1,415,436,000 | 1 | $ 345,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 285,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 115,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 415,000 |
| Member Options, LLC 1936 ARLINGTONG BLVD. CHARLOTTESVILLE, VA 22903 |
* | $ -1,000 | 1 | $ 345,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 155,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 45,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 145,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 42,392,285,000 | 1 | $ 445,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 55,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 165,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 395,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 2,287,872,000 | 1 | $ 225,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 245,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 4,068,592,000 | 1 | $ 35,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 95,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 175,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 3,281,700,000 | 1 | $ 325,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 335,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 235,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 85,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 95,000 |
| Bay Capital Mortgage Corporation 801 COMPASS WAY ANNAPOLIS, MD 21401 |
* | $ -1,000 | 1 | $ 575,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 395,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 335,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ -1,000 | 1 | $ 355,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 195,000 |
| Southern First Bank 100 VERDAE BLVD GREENVILLE, SC 29607 |
* | $ 2,925,939,000 | 1 | $ 175,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 285,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,123,603,000 | 1 | $ 275,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 225,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ 580,393,000 | 1 | $ 145,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ 927,339,000 | 1 | $ 25,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,318,594,000 | 1 | $ 645,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 265,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 435,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 475,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 245,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 315,000 |
The tables below break down 2022 mortgage applications in Floyd County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Floyd County, VA in 2022
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 | 282 | $61,180,000 | $216,000 | $965,000 | $91,000 | $503,000 |
| Cash-out Refinancing | 111 | $21,235,000 | $191,000 | $435,000 | $87,000 | $859,000 |
| Other Purpose | 107 | $10,515,000 | $98,000 | $355,000 | $89,000 | $333,000 |
| Refinancing | 100 | $21,180,000 | $211,000 | $645,000 | $105,000 | $570,000 |
| Home Improvement | 56 | $4,850,000 | $86,000 | $405,000 | $109,000 | $703,000 |
| Not Applicable | 5 | $455,000 | $91,000 | $175,000 | $24,000 | $32,000 |
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 | 523 | $91,455,000 | $174,000 | $675,000 | $95,000 | $859,000 |
| Not Provided | 67 | $12,645,000 | $188,000 | $895,000 | $88,000 | $264,000 |
| Not applicable | 51 | $11,605,000 | $227,000 | $965,000 | $62,000 | $145,000 |
| Hispanic | 8 | $1,440,000 | $180,000 | $335,000 | $90,000 | $149,000 |
| Black or African American | 5 | $795,000 | $159,000 | $225,000 | $50,000 | $80,000 |
| American Indian or Alaskan Native | 4 | $650,000 | $162,000 | $255,000 | $42,000 | $69,000 |
| Asian | 1 | $275,000 | $275,000 | $275,000 | $170,000 | $170,000 |
| 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) | 541 | $94,885,000 | $175,000 | $965,000 | $98,000 | $859,000 |
| FHA-insured (Federal Housing Administration) | 72 | $14,030,000 | $194,000 | $425,000 | $69,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 34 | $8,370,000 | $246,000 | $895,000 | $79,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,130,000 | $152,000 | $275,000 | $53,000 | $91,000 |
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 | 390 | $72,410,000 | $185,000 | $965,000 | $99,000 | $703,000 |
| Application Denied By Financial Institution | 95 | $13,675,000 | $143,000 | $445,000 | $83,000 | $859,000 |
| Application Withdrawn By Applicant | 82 | $14,700,000 | $179,000 | $485,000 | $89,000 | $300,000 |
| Loan Purchased By The Institution | 42 | $9,230,000 | $219,000 | $645,000 | $60,000 | $145,000 |
| File Closed For Incompleteness | 33 | $5,875,000 | $178,000 | $575,000 | $78,000 | $180,000 |
| Application Approved But Not Accepted | 17 | $3,275,000 | $192,000 | $355,000 | $100,000 | $262,000 |
| Preapproval Approved but not Accepted | 1 | $95,000 | $95,000 | $95,000 | $32,000 | $32,000 |
| Preapproval Denied by Financial Institution | 1 | $155,000 | $155,000 | $155,000 | $39,000 | $39,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 564 | $105,240,000 | $186,000 | $965,000 | $95,000 | $703,000 |
| Debt-To-Income Ratio | 27 | $4,205,000 | $155,000 | $345,000 | $38,000 | $132,000 |
| Credit History | 24 | $2,620,000 | $109,000 | $355,000 | $95,000 | $859,000 |
| Collateral | 18 | $2,820,000 | $156,000 | $295,000 | $128,000 | $696,000 |
| Credit Application Incomplete | 11 | $2,155,000 | $195,000 | $445,000 | $97,000 | $200,000 |
| Unverifiable Information | 8 | $1,010,000 | $126,000 | $225,000 | $79,000 | $270,000 |
| Other | 3 | $395,000 | $131,000 | $235,000 | $94,000 | $215,000 |
| Employment History | 3 | $515,000 | $171,000 | $305,000 | $27,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $455,000 | $151,000 | $285,000 | $66,000 | $102,000 |
| 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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