Franklin County, ME Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 961 mortgage applications in Franklin County, ME totaling $138.6 million, up 8% from 2015. The average application was for $144,000, and applicants reported an average income of $101,000. 48% of applications resulted in an originated loan and 27% were denied. The most active lender was Skowhegan Savings Bank, with 100 applications, followed by Bangor Savings Bank and loanDepot.com LLC.
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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 | 961 |
| Total Mortgage Loan Application Amount | $138,647,000 |
| Average Mortgage Loan Application Amount | $144,000 |
| Highest Mortgage Loan Application Amount | $1,150,000 |
| Average Applicant Income | $101,000 |
| Highest Applicant Income | $5,300,000 |
* 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 |
|---|---|---|---|---|
| Skowhegan Savings Bank 13 ELM ST SKOWHEGAN, ME 04976 |
* | $ 563,533,000 | 100 | $ 15,064,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 3,304,123,000 | 97 | $ 10,886,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 71 | $ 10,019,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 93,038,275,000 | 40 | $ 2,750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 37 | $ 6,102,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 246,485,756,000 | 31 | $ 2,853,000 |
| University Credit Union 15 MAIN STREET ORONO, ME 04473 |
* | $ 265,709,000 | 26 | $ 3,145,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 26 | $ 4,498,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 3,681,225,000 | 25 | $ 3,711,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 22 | $ 3,101,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 22 | $ 3,455,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 21 | $ 2,745,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 17 | $ 3,801,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 14 | $ 2,177,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 14 | $ 2,744,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,856,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 1,803,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 11 | $ 2,030,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ 100,000,000 | 11 | $ 2,115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,141,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 9 | $ 1,265,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 8 | $ 1,812,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 7 | $ 935,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 7 | $ 1,035,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 7 | $ 1,144,000 |
| Norway Savings Bank 261 MAIN STREET, P.O. BOX 347 NORWAY, ME 04268 |
* | $ 1,025,141,000 | 7 | $ 916,000 |
| Northeast Bank 500 CANAL ST LEWISTON, ME 04240 |
* | $ 893,445,000 | 7 | $ 896,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 7 | $ 1,744,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 1,393,000 |
| First National Bank P.O. BOX 940 DAMARISCOTTA, ME 04543 |
* | $ 1,530,967,000 | 6 | $ 659,000 |
| Atlantic Federal Credit Union PO BOX 188 BRUNSWICK, ME 04011 |
* | $ 301,105,000 | 6 | $ 858,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 6 | $ 1,016,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 5 | $ 822,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 5 | $ 612,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 641,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 38,450,416,000 | 5 | $ 1,780,000 |
| Bath Savings Institution 105 FRONT STREET BATH, ME 04530 |
* | $ 794,075,000 | 5 | $ 717,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 5 | $ 712,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 4 | $ 709,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 4 | $ 601,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 4 | $ 88,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 6,823,816,000 | 4 | $ 624,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 4 | $ 717,000 |
| Maine Community Bank 1 INDIA ST PORTLAND, ME 04101 |
* | $ 409,989,000 | 4 | $ 1,078,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 534,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 636,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 114,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 362,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 1,579,046,000 | 4 | $ 495,000 |
| Katahdin Trust Company 11 MAIN STREET / PO BOX 450 PATTEN, ME 04765 |
* | $ 701,669,000 | 3 | $ 510,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 183,138,215,000 | 3 | $ 268,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 865,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 275,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 338,000 |
| Mechanics Savings Bank 100 MINOT AVENUE AUBURN, ME 04210 |
* | $ 374,363,000 | 3 | $ 731,000 |
| Androscoggin Bank 30 LISBON STREET LEWISTON, ME 04243 |
* | $ 866,156,000 | 3 | $ 635,000 |
| Maine Savings Federal Credit Union PO BOX 347 HAMPDEN, ME 04444 |
* | $ 304,051,000 | 3 | $ 488,000 |
| Machias Savings Bank 4 CENTER STREET MACHIAS, ME 04654 |
* | $ 1,158,833,000 | 3 | $ 1,180,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 55,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 412,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 2 | $ 138,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 223,000 |
| Ancorum Credit Union 765 WASHINGTON STREET BATH, ME 04530 |
* | $ 224,008,000 | 2 | $ 229,000 |
| Maine Family Federal Credit Union 555 SABATTUS STREET LEWISTON, ME 04240 |
* | $ 135,267,000 | 2 | $ 160,000 |
| Sanford Institution for Savings 900 MAIN STREET SANFORD, ME 04073 |
* | $ 508,144,000 | 2 | $ 283,000 |
| Dirigo Federal Credit Union 391 MAIN STREET LEWISTON, ME 04243 |
* | $ 190,786,000 | 2 | $ 201,000 |
| Brewer Federal Credit Union 229 DIRIGO DR BREWER, ME 04412 |
* | $ 51,597,000 | 2 | $ 169,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 2 | $ 279,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 2 | $ 316,000 |
| Saco & Biddeford Savings Institution 50 INDUSTRIAL PARK ROAD SACO, ME 04072 |
* | $ 861,705,000 | 2 | $ 350,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 214,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 2 | $ 318,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 2 | $ 210,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Cuso Mortgage Corporation 101 WESTERN AVENUE HAMPDEN, ME 04444 |
* | $ 10,000,000 | 2 | $ 202,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 2 | $ 393,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 490,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 2 | $ 238,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 2 | $ 240,000 |
| Auburn Savings Bank, FSB 256 COURT ST. PO BOX 3157 AUBURN, ME 04210 |
* | $ 71,210,000 | 2 | $ 162,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 96,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 225,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 240,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 320,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 1 | $ 301,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 109,000 |
| Forethought Life Insurance Co 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ 100,000,000 | 1 | $ 87,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 93,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Drew Mortgage Associates, Inc 196 BOSTON TPKE SHREWSBURY, MA 01545 |
* | $ 3,624,368,000 | 1 | $ 135,000 |
| Members Mortgage Company Inc 90 MAPLE STREET STONEHAM, MA 02180 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 1 | $ 159,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 83,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Gorham Savings Bank 10 WENTWORTH DRIVE GORHAM, ME 04038 |
* | $ 995,830,000 | 1 | $ 475,000 |
| Navigant Credit Union 1005 DOUGLAS PIKE SMITHFIELD, RI 02917 |
* | $ 1,582,366,000 | 1 | $ 140,000 |
| Cport Credit Union PO BOX 777 PORTLAND, ME 04103 |
* | $ 173,030,000 | 1 | $ 138,000 |
| Bank of New Hampshire 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,261,136,000 | 1 | $ 48,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 1,092,874,000 | 1 | $ 66,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 1 | $ 258,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 20,000 |
| Mountainone Bank 93 MAIN STREET NORTH ADAMS, MA 01247 |
* | $ 843,988,000 | 1 | $ 220,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 78,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 567,648,000 | 1 | $ 232,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 114,257,000 | 1 | $ 226,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 320,000 |
| Rockland Trust Company 120 LIBERTY STREET BROCKTON, MA 02302 |
* | $ 7,207,551,000 | 1 | $ 136,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ 9,774,230,000 | 1 | $ 167,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 116,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,177,985,000 | 1 | $ 193,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 14,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 355,000 |
| Bangor Federal Credit Union 339 HOGAN ROAD BANGOR, ME 04401 |
* | $ 133,324,000 | 1 | $ 230,000 |
| Infinity Federal Credit Union 202 LARRABEE ROAD WESTBROOK, ME 04092 |
* | $ 308,775,000 | 1 | $ 76,000 |
| Rtn Federal Credit Union 600 MAIN STREET WALTHAM, MA 02452 |
* | $ 833,656,000 | 1 | $ 100,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,502,221,000 | 1 | $ 284,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 90,192,245,000 | 1 | $ 115,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 1 | $ 187,000 |
| Evergreen Credit Union 225 RIVERSIDE STREET PORTLAND, ME 04103 |
* | $ 239,421,000 | 1 | $ 100,000 |
| Saco Valley Credit Union 312 MAIN ST SACO, ME 04072 |
* | $ 104,061,000 | 1 | $ 113,000 |
| Peopleschoice Credit Union 23 INDUSTRIAL PARK RD SACO, ME 04072 |
* | $ 165,728,000 | 1 | $ 375,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 172,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 506,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 42,042,000,000 | 1 | $ 441,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 90,000 |
The tables below break down 2016 mortgage applications in Franklin County, ME 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, ME in 2016
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 | 465 | $69,466,000 | $149,000 | $488,000 | $102,000 | $1,375,000 |
| Refinancing | 423 | $65,286,000 | $154,000 | $1,150,000 | $103,000 | $5,300,000 |
| Home Improvement | 73 | $3,895,000 | $53,000 | $372,000 | $78,000 | $581,000 |
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 | 751 | $106,640,000 | $141,000 | $1,150,000 | $107,000 | $5,300,000 |
| Not Provided | 111 | $16,107,000 | $145,000 | $488,000 | $114,000 | $676,000 |
| Not applicable | 69 | $10,782,000 | $156,000 | $488,000 | $4,000 | $63,000 |
| American Indian or Alaskan Native | 14 | $2,425,000 | $173,000 | $525,000 | $58,000 | $142,000 |
| Hispanic | 11 | $1,898,000 | $172,000 | $503,000 | $197,000 | $1,375,000 |
| Black or African American | 4 | $518,000 | $129,000 | $206,000 | $91,000 | $160,000 |
| Asian | 1 | $277,000 | $277,000 | $277,000 | $91,000 | $91,000 |
| Native Hawaiin 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) | 671 | $98,973,000 | $147,000 | $1,150,000 | $127,000 | $5,300,000 |
| VA-guaranteed (Veterans Administration) | 123 | $21,687,000 | $176,000 | $838,000 | $47,000 | $179,000 |
| FHA-insured (Federal Housing Administration) | 96 | $10,448,000 | $108,000 | $228,000 | $36,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $7,539,000 | $106,000 | $206,000 | $33,000 | $74,000 |
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 | 462 | $67,502,000 | $146,000 | $680,000 | $117,000 | $1,375,000 |
| Application Denied By Financial Institution | 257 | $32,917,000 | $128,000 | $1,150,000 | $91,000 | $5,300,000 |
| Loan Purchased By The Institution | 83 | $13,098,000 | $157,000 | $488,000 | $23,000 | $225,000 |
| Application Withdrawn By Applicant | 79 | $13,756,000 | $174,000 | $506,000 | $118,000 | $1,328,000 |
| Application Approved But Not Accepted | 44 | $5,873,000 | $133,000 | $313,000 | $109,000 | $572,000 |
| File Closed For Incompleteness | 36 | $5,501,000 | $152,000 | $378,000 | $98,000 | $581,000 |
| 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 | 28 | $2,045,000 | $73,000 | $188,000 | $50,000 | $144,000 |
| Debt-To-Income Ratio | 26 | $2,744,000 | $105,000 | $277,000 | $68,000 | $192,000 |
| Collateral | 25 | $2,993,000 | $119,000 | $346,000 | $109,000 | $378,000 |
| Credit Application Incomplete | 15 | $2,415,000 | $161,000 | $355,000 | $60,000 | $174,000 |
| Other | 4 | $1,720,000 | $430,000 | $1,150,000 | $383,000 | $954,000 |
| Employment History | 4 | $291,000 | $72,000 | $117,000 | $40,000 | $57,000 |
| Unverifiable Information | 2 | $522,000 | $261,000 | $441,000 | $86,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $84,000 | $84,000 | $84,000 | $45,000 | $45,000 |
| 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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