Forrest County, MS Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 2,794 mortgage applications in Forrest County, MS totaling $351.5 million, down 16% from 2010. The average application was for $125,000, and applicants reported an average income of $72,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Cadence Bank, with 346 applications, followed by Wells Fargo Bank NA and Magnolia State 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 | 2,794 |
| Total Mortgage Loan Application Amount | $351,470,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $13,000,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,620,000 |
* 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 |
|---|---|---|---|---|
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,362,287,000 | 346 | $ 44,961,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 237 | $ 30,341,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 233,636,000 | 172 | $ 26,407,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 166 | $ 21,783,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 164 | $ 18,822,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 633,140,000 | 139 | $ 11,395,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 118 | $ 10,971,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 502,277,000 | 115 | $ 14,889,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 137,874,000 | 112 | $ 15,023,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 111 | $ 11,409,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 100 | $ 5,196,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 5,975,926,000 | 99 | $ 9,326,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 79 | $ 12,422,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 185,644,000 | 77 | $ 9,461,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 75 | $ 10,301,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 66 | $ 2,845,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 41 | $ 6,236,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 492,099,000 | 32 | $ 4,420,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 31 | $ 4,192,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 30 | $ 4,690,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 21 | $ 3,199,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 20 | $ 3,095,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 18 | $ 2,637,000 |
| Bank of Wiggins P.O. DRAWER 67 WIGGINS, MS 39577 |
* | $ 188,030,000 | 18 | $ 902,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 627,881,000 | 15 | $ 2,327,000 |
| Citizens Bank 814 MAIN STREET COLUMBIA, MS 39429 |
* | $ 360,004,000 | 15 | $ 1,149,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,176,442,000 | 15 | $ 5,759,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 14 | $ 2,101,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 1,598,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 12 | $ 1,840,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 12 | $ 215,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 11 | $ 912,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 10 | $ 1,179,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 10 | $ 1,476,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 9 | $ 1,332,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 9 | $ 517,000 |
| Great Southern National Bank P O BOX 1271 MERIDIAN, MS 39302 |
* | $ 257,411,000 | 9 | $ 569,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 163,302,000 | 9 | $ 593,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 8 | $ 334,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 8 | $ 454,000 |
| First National Bank of Picayun 121 EAST CANAL STREET PICAYUNE, MS 39466 |
* | $ 207,685,000 | 7 | $ 489,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 650,594,000 | 7 | $ 432,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 690,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 5 | $ 845,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 5 | $ 580,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,054,163,000 | 5 | $ 574,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,228,772,000 | 5 | $ 708,000 |
| Richton Bank & Trust Company 114 S FRONT STREET (PO BOX 527) RICHTON, MS 39476 |
* | $ 80,424,000 | 5 | $ 265,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 5 | $ 909,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 4 | $ 230,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 1,888,837,000 | 4 | $ 482,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD STE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 4 | $ 454,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 421,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 493,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 431,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 400,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 3 | $ 589,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 253,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 3 | $ 386,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 3 | $ 628,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 3 | $ 411,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 3 | $ 409,000 |
| Community Trust Bank 2211 NORTH 7TH STREET STE. 202B WEST MONROE, LA 71291 |
* | $ 1,881,482,000 | 3 | $ 323,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 3 | $ 589,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 3 | $ 240,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 146,000 |
| Powerco Federal Credit Union 241 RALPH MCGILL BLVD. NE ATLANTA, GA 30308 |
* | $ 170,055,000 | 2 | $ 21,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 323,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 2 | $ 126,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 400,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 2 | $ 297,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 2 | $ 299,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 350,000 |
| First State Bank P O BOX 506 WAYNESBORO, MS 39367 |
* | $ 446,997,000 | 2 | $ 118,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 355,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 402,407,000 | 2 | $ 199,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 2 | $ 377,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 51,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 1,002,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 2 | $ 237,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 282,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 109,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 438,000 |
| Nola Lending Group, LLC 830 W CAUSEWAY BLVD MANDEVILLE, LA 70471 |
* | $ 28,686,000 | 2 | $ 191,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 11,750,980,000 | 2 | $ 206,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 157,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 2 | $ 407,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 53,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 1 | $ 13,000,000 |
| Berkadia Commercial Mortgage 323 NORRISTOWN ROAD SUITE 300 AMBLER, PA 19002 |
* | $ 1,173,139,000 | 1 | $ 3,450,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 50,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 39,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 39,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 172,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 159,000 |
| Executive Mortgage Corp. of Ms 582 LAKELAND EAST DRIVE, STE C FLOWOOD, MS 39232 |
* | $ 124,011,000 | 1 | $ 133,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 88,000 |
| New Carlisle Federal Savings Bank 400 N MAIN ST., P.O. BOX 245 NEW CARLISLE, OH 45344 |
* | $ 94,328,000 | 1 | $ 62,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 155,000 |
| Bankliberty 16 W FRANKLIN LIBERTY, MO 64068 |
* | $ 441,482,000 | 1 | $ 60,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 70,000 |
| Whitney Bank 228 ST CHARLES AVE, SUITE 537 NEW ORLEANS, LA 70130 |
* | $ 14,555,957,000 | 1 | $ 92,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 1 | $ 84,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 75,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 1 | $ 106,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 502,376,000 | 1 | $ 250,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 147,635,000 | 1 | $ 105,000 |
| State Bank & Trust Company 147 SOUTH RAILROAD AVENUE BROOKHAVEN, MS 39601 |
* | $ 916,922,000 | 1 | $ 138,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 229,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 110,338,000 | 1 | $ 98,000 |
| Citizens Savings Bank 1725 SULLIVAN DR BOGALUSA, LA 70427 |
* | $ 233,787,000 | 1 | $ 4,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 155,000 |
| Energy One Federal Credit Union 6100 S YALE AVE, SUITE 100 TULSA, OK 74136 |
* | $ 183,940,000 | 1 | $ 240,000 |
| Liberty Bank 6600 PLAZA DRIVE NEW ORLEANS, LA 70127 |
* | $ 463,959,000 | 1 | $ 77,000 |
| Merchants & Marine Bank P. O. BOX 729 PASCAGOULA, MS 39567 |
* | $ 503,396,000 | 1 | $ 21,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ 817,798,000 | 1 | $ 75,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 43,928,000 | 1 | $ 197,000 |
| Rivertrust Federal Credit Union P O BOX 97997 PEARL, MS 39288 |
* | $ 141,411,000 | 1 | $ 120,000 |
| Penair Credit Union 1495 EAST NINE MILE ROAD PENSACOLA, FL 32514 |
* | $ 1,030,284,000 | 1 | $ 30,000 |
| Navigator Credit Union P O BOX 1647 PASCAGOULA, MS 39568 |
* | $ 233,656,000 | 1 | $ 30,000 |
The tables below break down 2011 mortgage applications in Forrest County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Forrest County, MS in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,537 | $222,214,000 | $144,000 | $13,000,000 | $78,000 | $1,620,000 |
| Home Purchase | 1,061 | $119,387,000 | $112,000 | $2,660,000 | $58,000 | $1,160,000 |
| Home Improvement | 196 | $9,869,000 | $50,000 | $650,000 | $101,000 | $995,000 |
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 | 1,870 | $233,449,000 | $124,000 | $2,660,000 | $88,000 | $1,620,000 |
| Black or African American | 384 | $29,699,000 | $77,000 | $440,000 | $54,000 | $685,000 |
| Not applicable | 317 | $62,329,000 | $196,000 | $13,000,000 | $5,000 | $249,000 |
| Not Provided | 156 | $17,969,000 | $115,000 | $580,000 | $56,000 | $302,000 |
| Hispanic | 45 | $5,606,000 | $124,000 | $417,000 | $68,000 | $209,000 |
| Asian | 14 | $1,806,000 | $129,000 | $422,000 | $135,000 | $505,000 |
| American Indian or Alaskan Native | 8 | $612,000 | $76,000 | $137,000 | $87,000 | $161,000 |
| 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) | 1,994 | $250,003,000 | $125,000 | $13,000,000 | $83,000 | $1,620,000 |
| FHA-insured (Federal Housing Administration) | 577 | $69,985,000 | $121,000 | $3,450,000 | $44,000 | $270,000 |
| VA-guaranteed (Veterans Administration) | 126 | $18,676,000 | $148,000 | $340,000 | $49,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 97 | $12,806,000 | $132,000 | $199,000 | $46,000 | $578,000 |
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 | 1,333 | $178,411,000 | $133,000 | $13,000,000 | $89,000 | $1,620,000 |
| Application Denied By Financial Institution | 531 | $52,707,000 | $99,000 | $3,450,000 | $52,000 | $900,000 |
| Loan Purchased By The Institution | 490 | $67,919,000 | $138,000 | $417,000 | $45,000 | $361,000 |
| Application Withdrawn By Applicant | 259 | $33,684,000 | $130,000 | $823,000 | $78,000 | $750,000 |
| Application Approved But Not Accepted | 116 | $9,563,000 | $82,000 | $400,000 | $64,000 | $270,000 |
| File Closed For Incompleteness | 65 | $9,186,000 | $141,000 | $560,000 | $72,000 | $204,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 148 | $11,434,000 | $77,000 | $320,000 | $51,000 | $259,000 |
| Debt-To-Income Ratio | 69 | $7,798,000 | $113,000 | $440,000 | $46,000 | $273,000 |
| Collateral | 46 | $6,848,000 | $148,000 | $601,000 | $92,000 | $900,000 |
| Other | 16 | $1,758,000 | $109,000 | $240,000 | $49,000 | $161,000 |
| Credit Application Incomplete | 12 | $1,092,000 | $91,000 | $198,000 | $45,000 | $112,000 |
| Unverifiable Information | 6 | $671,000 | $111,000 | $230,000 | $90,000 | $200,000 |
| Employment History | 6 | $375,000 | $62,000 | $117,000 | $40,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $698,000 | $116,000 | $151,000 | $61,000 | $103,000 |
| 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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