Franklin County, GA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 934 mortgage applications in Franklin County, GA totaling $127.0 million, down 10% from 2008. The average application was for $135,000, and applicants reported an average income of $66,000. 45% of applications resulted in an originated loan and 21% were denied. The most active lender was First Citizens Bank & Trust Co, with 88 applications, followed by Wells Fargo Bank, NA and Bank of America, N.A..
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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 | 934 |
| Total Mortgage Loan Application Amount | $126,987,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $1,268,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $1,080,000 |
* 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 |
|---|---|---|---|---|
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 6,743,525,000 | 88 | $ 12,616,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 61 | $ 7,008,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 53 | $ 7,275,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 49 | $ 6,748,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 39 | $ 6,455,000 |
| Pinnacle Bank 884 ELBERT STREET ELBERTON, GA 30635 |
* | $ 581,284,000 | 35 | $ 3,374,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 28 | $ 3,994,000 |
| Afb&T PO BOX 1747 ATHENS, GA 30603 |
* | $ 1,600,387,000 | 28 | $ 2,558,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 27 | $ 3,940,000 |
| Community Bank and Trust PO BOX 1900 CORNELIA, GA 30531 |
* | $ 1,276,651,000 | 25 | $ 2,521,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 8,574,452,000 | 24 | $ 3,866,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 24 | $ 3,538,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 23 | $ 1,388,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 22 | $ 2,414,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,673,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 20 | $ 2,587,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 19 | $ 2,989,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 17 | $ 3,041,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 14 | $ 1,927,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 14 | $ 926,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 1,931,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 13 | $ 2,153,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,946,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 10 | $ 1,631,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 9 | $ 810,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 9 | $ 1,404,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 8 | $ 1,146,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 1,011,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 7 | $ 679,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 7 | $ 954,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 1,162,000 |
| First Georgia Banking Company 100 TOM REEVE DRIVE (PO BOX 2578) CARRLLTON, GA 30117 |
* | $ 821,212,000 | 7 | $ 1,370,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 6 | $ 811,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 6 | $ 1,532,000 |
| Habersham Bank 282 HISTORIC HWY 441 N CORNELIA, GA 30531 |
* | $ 491,952,000 | 5 | $ 238,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 5 | $ 475,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 5 | $ 934,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 1,322,000 |
| Southeast Mortgage of Ga, Inc 3496 CLUB DRIVE LAWRENCEVILLE, GA 30044 |
* | $ 10,000,000 | 5 | $ 1,128,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 5 | $ 749,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 721,000 |
| Georgia B&Tc of Augusta P O BOX 15367 AUGUSTA, GA 30919 |
* | $ 1,284,796,000 | 4 | $ 497,000 |
| The Peoples Bank POST OFFICE BOX 788 WINDER, GA 30680 |
* | $ 520,793,000 | 4 | $ 101,000 |
| The Citizens Bank of Georgia 651 VETERANS MEMORIAL BLVD CUMMING, GA 30040 |
* | $ 227,706,000 | 3 | $ 282,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 3 | $ 660,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 3 | $ 118,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 391,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 3 | $ 483,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 332,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 413,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 466,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 300,000 |
| Rocky Mountain Mortgage Specialists Inc. 7075 S. ALTON WAY CENTENNIAL, CO 80112 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 226,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 256,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ 81,511,000 | 2 | $ 224,000 |
| Lge Community Credit Union 430 COMMERCE PARK DRIVE MARIETTA, GA 30060 |
* | $ 569,768,000 | 2 | $ 440,000 |
| Robins Financial Credit Union 803 WATSON BOULEVARD WARNER ROBINS, GA 31093 |
* | $ 1,116,400,000 | 2 | $ 79,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 2 | $ 250,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 345,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 51,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 145,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 2 | $ 255,000 |
| Colorado Federal Savings Bank 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 77,289,000 | 2 | $ 413,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 245,000 |
| Freedom Bank of Georgia P.O. BOX 788 COMMERCE, GA 30529 |
* | $ 172,454,000 | 2 | $ 146,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 2 | $ 399,000 |
| Merchants & Farmers 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 167,354,000 | 2 | $ 131,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 549,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 474,647,000 | 2 | $ 357,000 |
| First Century Bank, National Association 807 DORSEY ST GAINESVILLE, GA 30501 |
* | $ 62,905,000 | 2 | $ 232,000 |
| Seaside National Bank & Trust 201 S ORANGE AVE, STE 1350 ORLANDO, FL 32801 |
* | $ 367,296,000 | 1 | $ 273,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 388,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 1 | $ 213,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 1 | $ 20,000 |
| Bank of Anderson NA 201 EAST GREENVILLE ST ANDERSON, SC 29621 |
* | $ 135,790,000 | 1 | $ 69,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 1 | $ 322,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 488,155,000 | 1 | $ 81,000 |
| Oconee State Bank P.O. BOX 205 WATKINSVILLE, GA 30677 |
* | $ 308,168,000 | 1 | $ 66,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 1,759,643,000 | 1 | $ 306,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,250,186,000 | 1 | $ 233,000 |
| Peoples Bank & Trust 1809 RED CRUCE COURT BUFORD, GA 30518 |
* | $ 446,482,000 | 1 | $ 88,000 |
| Carolina First Bank 102 S MAIN STREET GREENVILLE, SC 29601 |
* | $ 13,568,284,000 | 1 | $ 98,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 18,000 |
| Talbot State Bank 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 91,699,000 | 1 | $ 77,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 248,000 |
| First Piedmont Bank 65 EAST MAY STREET WINDER, GA 30680 |
* | $ 122,806,000 | 1 | $ 167,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 93,000 |
| Hamilton State Bank 1907 HWY 211 HOSCHTON, GA 30548 |
* | $ 283,687,000 | 1 | $ 121,000 |
| Peach State Bank & Trust 325 WASHINGTON STREET GAINESVILLE, GA 30501 |
* | $ 167,147,000 | 1 | $ 50,000 |
| First Covenant Bank 680 ENGINEERING DRIVE STE 100 NORCROSS, GA 30092 |
* | $ 189,665,000 | 1 | $ 55,000 |
| Appalachian Community Bank 822 INDUSTRIAL BLVD. ELLIJAY, GA 30540 |
* | $ 1,101,608,000 | 1 | $ 128,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 179,215,000 | 1 | $ 98,000 |
| Plantation Federal Bank P O BOX 3848 PAWLEYS ISLAND, SC 29585 |
* | $ 705,569,000 | 1 | $ 370,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 39,000 |
| Beacon Federal 6311 COURT STREET ROAD EAST SYRACUSE, NY 13057 |
* | $ 1,021,432,000 | 1 | $ 10,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 67,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 115,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 162,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 210,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 150,000 |
| Mortgage Now, Inc. 1161 BROAD ST SUITE 212 SHREWSBURY, NJ 07702 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 138,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 372,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 256,000 |
| Oxford Capital LLC 665 MARIETTA STREET NW ATLANTA, GA 30313 |
* | $ 2,483,000 | 1 | $ 100,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 97,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 274,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 81,000 |
| Coca-Cola Federal Credit Union ONE COCA-COLA PLAZA NW ATLANTA, GA 30313 |
* | $ 130,605,000 | 1 | $ 209,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,662,849,000 | 1 | $ 20,000 |
| Anderson Federal Credit Union PO BOX 2427 ANDERSON, SC 29622 |
* | $ 60,564,000 | 1 | $ 150,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 132,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 75,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 328,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 1 | $ 151,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 254,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 1 | $ 86,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Pine State Mortgage Corp 6065 ROSWELL ROAD SUITE 300 ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 62,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 1 | $ 417,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 208,000 |
The tables below break down 2009 mortgage applications in Franklin County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Franklin County, GA in 2009
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 | 687 | $102,176,000 | $148,000 | $785,000 | $70,000 | $1,080,000 |
| Home Purchase | 202 | $21,799,000 | $107,000 | $1,268,000 | $54,000 | $359,000 |
| Home Improvement | 45 | $3,012,000 | $66,000 | $306,000 | $55,000 | $320,000 |
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 | 732 | $101,250,000 | $138,000 | $1,268,000 | $69,000 | $667,000 |
| Not Provided | 80 | $10,620,000 | $132,000 | $675,000 | $71,000 | $1,080,000 |
| Not applicable | 71 | $9,241,000 | $130,000 | $634,000 | $26,000 | $532,000 |
| Black or African American | 31 | $2,984,000 | $96,000 | $276,000 | $29,000 | $86,000 |
| Hispanic | 14 | $2,051,000 | $146,000 | $322,000 | $159,000 | $807,000 |
| Asian | 3 | $387,000 | $129,000 | $267,000 | $62,000 | $104,000 |
| American Indian or Alaskan Native | 2 | $252,000 | $126,000 | $127,000 | $43,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $202,000 | $202,000 | $202,000 | $64,000 | $64,000 |
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) | 669 | $92,538,000 | $138,000 | $1,268,000 | $75,000 | $807,000 |
| FHA-insured (Federal Housing Administration) | 218 | $29,593,000 | $135,000 | $328,000 | $47,000 | $1,080,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $3,936,000 | $98,000 | $161,000 | $21,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 7 | $920,000 | $131,000 | $209,000 | $40,000 | $65,000 |
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 | 423 | $57,872,000 | $136,000 | $1,268,000 | $74,000 | $807,000 |
| Application Denied By Financial Institution | 198 | $24,798,000 | $125,000 | $767,000 | $59,000 | $1,080,000 |
| Loan Purchased By The Institution | 165 | $22,765,000 | $137,000 | $417,000 | $50,000 | $532,000 |
| Application Withdrawn By Applicant | 92 | $13,437,000 | $146,000 | $755,000 | $73,000 | $667,000 |
| Application Approved But Not Accepted | 35 | $5,254,000 | $150,000 | $383,000 | $70,000 | $251,000 |
| File Closed For Incompleteness | 21 | $2,861,000 | $136,000 | $360,000 | $64,000 | $238,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $7,405,000 | $180,000 | $767,000 | $70,000 | $225,000 |
| Debt-To-Income Ratio | 36 | $5,215,000 | $144,000 | $417,000 | $52,000 | $208,000 |
| Credit History | 34 | $2,542,000 | $74,000 | $203,000 | $39,000 | $198,000 |
| Credit Application Incomplete | 6 | $688,000 | $114,000 | $188,000 | $75,000 | $196,000 |
| Other | 6 | $773,000 | $128,000 | $200,000 | $76,000 | $169,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $485,000 | $161,000 | $270,000 | $61,000 | $88,000 |
| Unverifiable Information | 2 | $78,000 | $39,000 | $58,000 | $52,000 | $80,000 |
| Employment History | 2 | $326,000 | $163,000 | $271,000 | $56,000 | $58,000 |
| Mortgage Insurance Denied | 1 | $101,000 | $101,000 | $101,000 | $53,000 | $53,000 |
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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