Franklin County, IL Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,092 mortgage applications in Franklin County, IL totaling $118.4 million, down 18% from 2021. The average application was for $108,000, and applicants reported an average income of $76,000. 46% of applications resulted in an originated loan and 21% were denied. The most active lender was US Bank, N.A., with 181 applications, followed by Peoples National Bank, N.A. and Banterra 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 | 1,092 |
| Total Mortgage Loan Application Amount | $118,390,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $2,493,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 181 | $ 18,045,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,549,912,000 | 76 | $ 9,440,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 2,573,220,000 | 41 | $ 3,205,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 35 | $ 3,525,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 33 | $ 3,735,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 31 | $ 5,315,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 30 | $ 3,780,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 30 | $ 3,120,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 28 | $ 2,930,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 326,829,000 | 24 | $ 2,730,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 24 | $ 3,870,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 22 | $ 1,920,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 20 | $ 2,440,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 18 | $ 990,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 17 | $ 905,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 454,722,000 | 17 | $ 1,905,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 16 | $ 960,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 657,731,000 | 14 | $ 1,200,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 13 | $ 1,235,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 13 | $ 1,565,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 12 | $ 1,260,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 1,120,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 795,509,000 | 12 | $ 1,070,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 11 | $ 1,385,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 10 | $ 1,110,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 10 | $ 1,170,000 |
| Southerntrust Bank 101 N BROADWAY MARION, IL 62959 |
* | $ 209,458,000 | 9 | $ 775,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 8 | $ 820,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 8 | $ 830,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 8 | $ 1,090,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 910,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 7 | $ 705,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 7 | $ 565,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 7 | $ 1,335,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 7 | $ 685,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 935,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 7 | $ 745,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 6 | $ 800,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 6 | $ 940,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 550,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 550,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 710,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 5 | $ 945,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 5 | $ 605,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 735,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 5 | $ 315,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 270,649,000 | 5 | $ 555,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 395,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 4 | $ 380,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 590,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 4 | $ 370,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 2,026,686,000 | 4 | $ 490,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 550,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 4 | $ 370,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 4 | $ 130,000 |
| Buena Vista National Bank 1309 SWANWICK STREET CHESTER, IL 62233 |
* | $ 259,436,000 | 3 | $ 235,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 5,951,048,000 | 3 | $ 295,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 3 | $ 335,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 265,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 355,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 325,000 |
| The Farmers and Merchants National Bank 120 WEST ST. LOUIS STREET NASHVILLE, IL 62263 |
* | $ 242,401,000 | 3 | $ 115,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 3 | $ 395,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 95,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 3 | $ 465,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 335,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 275,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 240,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 300,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 310,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 610,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 330,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 2 | $ 300,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 90,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 310,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,920,266,000 | 2 | $ 240,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 2 | $ 320,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 240,750,000 | 2 | $ 330,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 180,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 310,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 2 | $ 80,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 220,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,647,347,000 | 2 | $ 400,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 190,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 1 | $ 35,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,479,391,000 | 1 | $ 215,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 174,662,000 | 1 | $ 105,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 115,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 15,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 1 | $ 265,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 1 | $ 295,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 1 | $ 145,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 195,000 |
| Midwest Members Credit Union 101 WESELY DR. WOOD RIVER, IL 62095 |
* | $ 188,944,000 | 1 | $ 85,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 225,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 1 | $ 75,000 |
| Loanflight Lending, Llc. 201 N FRANKLIN ST STE 3440 TAMPA, FL 33634 |
* | $ -1,000 | 1 | $ 185,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ -1,000 | 1 | $ 125,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 215,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 88,758,641,000 | 1 | $ 55,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,120,189,000 | 1 | $ 55,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 25,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 185,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 15,000 |
| First Federal Savings Bank 633 LASALLE ST OTTAWA, IL 61350 |
* | $ 368,810,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 85,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 7,338,072,000 | 1 | $ 55,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 1 | $ 115,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 175,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 345,555,000 | 1 | $ 65,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 14,047,081,000 | 1 | $ 55,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 105,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 95,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 55,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ 1,170,198,000 | 1 | $ 195,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 85,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 155,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 848,859,000 | 1 | $ 205,000 |
| Warren Boynton State Bank 702 W ILLINOIS ST, PO BOX 19 NEW BERLIN, IL 62670 |
* | $ 193,641,000 | 1 | $ 205,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 122,074,000 | 1 | $ 155,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 35,000 |
The tables below break down 2022 mortgage applications in Franklin County, IL 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, IL 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 | 697 | $79,495,000 | $114,000 | $505,000 | $72,000 | $2,493,000 |
| Cash-out Refinancing | 149 | $17,205,000 | $115,000 | $445,000 | $74,000 | $373,000 |
| Refinancing | 132 | $15,440,000 | $116,000 | $435,000 | $76,000 | $320,000 |
| Other Purpose | 64 | $4,020,000 | $62,000 | $255,000 | $108,000 | $1,080,000 |
| Home Improvement | 45 | $1,935,000 | $43,000 | $185,000 | $85,000 | $390,000 |
| Not Applicable | 5 | $295,000 | $59,000 | $115,000 | $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 | 868 | $91,940,000 | $105,000 | $505,000 | $76,000 | $2,493,000 |
| Not applicable | 119 | $13,955,000 | $117,000 | $425,000 | $83,000 | $189,000 |
| Not Provided | 63 | $7,935,000 | $125,000 | $445,000 | $73,000 | $225,000 |
| Hispanic | 19 | $1,425,000 | $75,000 | $175,000 | $52,000 | $239,000 |
| Black or African American | 13 | $1,595,000 | $122,000 | $375,000 | $85,000 | $373,000 |
| American Indian or Alaskan Native | 4 | $370,000 | $92,000 | $105,000 | $98,000 | $274,000 |
| Asian | 3 | $745,000 | $248,000 | $295,000 | $79,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $370,000 | $185,000 | $185,000 | $56,000 | $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) | 696 | $73,030,000 | $104,000 | $505,000 | $84,000 | $2,493,000 |
| FHA-insured (Federal Housing Administration) | 220 | $22,090,000 | $100,000 | $295,000 | $53,000 | $243,000 |
| VA-guaranteed (Veterans Administration) | 114 | $16,980,000 | $148,000 | $445,000 | $72,000 | $373,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $6,290,000 | $101,000 | $265,000 | $46,000 | $103,000 |
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 | 505 | $57,945,000 | $114,000 | $505,000 | $80,000 | $2,493,000 |
| Application Denied By Financial Institution | 232 | $20,750,000 | $89,000 | $425,000 | $65,000 | $457,000 |
| Application Withdrawn By Applicant | 154 | $16,900,000 | $109,000 | $375,000 | $72,000 | $320,000 |
| Loan Purchased By The Institution | 108 | $13,600,000 | $125,000 | $435,000 | $92,000 | $189,000 |
| File Closed For Incompleteness | 59 | $5,925,000 | $100,000 | $255,000 | $81,000 | $1,080,000 |
| Application Approved But Not Accepted | 33 | $3,195,000 | $96,000 | $265,000 | $77,000 | $225,000 |
| Preapproval Denied by Financial Institution | 1 | $75,000 | $75,000 | $75,000 | $46,000 | $46,000 |
| Preapproval Approved but not Accepted | 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 | 806 | $92,170,000 | $114,000 | $505,000 | $77,000 | $2,493,000 |
| Debt-To-Income Ratio | 98 | $10,180,000 | $103,000 | $425,000 | $77,000 | $358,000 |
| Credit History | 87 | $6,635,000 | $76,000 | $255,000 | $74,000 | $390,000 |
| Collateral | 46 | $3,520,000 | $76,000 | $185,000 | $60,000 | $176,000 |
| Credit Application Incomplete | 17 | $1,915,000 | $112,000 | $335,000 | $67,000 | $143,000 |
| Other | 16 | $1,540,000 | $96,000 | $235,000 | $77,000 | $457,000 |
| Unverifiable Information | 13 | $1,255,000 | $96,000 | $215,000 | $45,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $510,000 | $85,000 | $225,000 | $54,000 | $79,000 |
| Employment History | 3 | $665,000 | $221,000 | $325,000 | $122,000 | $248,000 |
| 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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