Franklin County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 527 mortgage applications in Franklin County, TX totaling $103.1 million, up 34% from 2011. The average application was for $195,000, and applicants reported an average income of $195,000. 52% of applications resulted in an originated loan and 13% were denied. The most active lender was Guaranty Bank & Trust, with 80 applications, followed by Wells Fargo Bank NA and Primelending.
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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 | 527 |
| Total Mortgage Loan Application Amount | $103,113,000 |
| Average Mortgage Loan Application Amount | $195,000 |
| Highest Mortgage Loan Application Amount | $1,420,000 |
| Average Applicant Income | $195,000 |
| Highest Applicant Income | $3,600,000 |
* 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 |
|---|---|---|---|---|
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 1,091,068,000 | 80 | $ 10,657,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 76 | $ 17,265,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 33 | $ 5,859,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 25 | $ 4,285,000 |
| First National Bank of East Texas 206 US HWY 271 N GILMER, TX 75644 |
* | $ 192,103,000 | 17 | $ 1,659,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 13 | $ 4,175,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 721,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 12 | $ 4,726,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 12 | $ 2,203,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 578,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 9 | $ 1,969,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 8 | $ 2,301,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 7 | $ 1,343,000 |
| Cypress Bank State Savings Bank 120 S GREER BLVD PITTSBURG, TX 75686 |
* | $ 166,075,000 | 6 | $ 260,000 |
| The First National Bank of Winnsboro 315 N. MAIN P.O. BOX 29 WINNSBORO, TX 75494 |
* | $ 145,460,000 | 6 | $ 629,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,621,944,000 | 6 | $ 225,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 6 | $ 939,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 1,671,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 719,000 |
| American National Bank of Texa 102 W MOORE AVENUE TERRELL, TX 75160 |
* | $ 2,334,659,000 | 5 | $ 885,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,816,225,000 | 5 | $ 252,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 4 | $ 357,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 615,607,000 | 4 | $ 1,118,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 953,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 4 | $ 1,358,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 532,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 3 | $ 1,717,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 3 | $ 889,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 3 | $ 844,000 |
| Kirkston Mortgage Lending 501 CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ 10,000,000 | 3 | $ 242,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 3 | $ 1,354,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 806,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 3 | $ 924,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 392,000 |
| North Dallas Bank & Trust Co. 12900 PRESTON RD DALLAS, TX 75230 |
* | $ 1,190,368,000 | 3 | $ 1,220,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 2 | $ 193,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 2 | $ 239,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 2 | $ 482,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 138,000 |
| Veritex Community Bank 2101 ABRAMS RD DALLAS, TX 75225 |
* | $ 437,519,000 | 2 | $ 1,091,000 |
| Independent Bank 1600 REDBUD BLVD MCKINNEY, TX 75070 |
* | $ 1,237,570,000 | 2 | $ 1,939,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 545,231,000 | 2 | $ 308,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 227,903,000 | 2 | $ 385,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 350,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 2 | $ 728,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 2 | $ 135,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 2 | $ 710,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 2 | $ 459,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 341,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 429,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 784,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 119,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 77,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 143,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 150,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 1 | $ 95,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 199,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 91,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 300,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 146,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 178,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 1 | $ 207,000 |
| The Lending Partners, LLC 5560 TENNYSON PARKWAY, STE. 201 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 415,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 304,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 116,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 294,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 394,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 146,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 123,000 |
| Community Mortgage Funding, LLC 3201 WEST TEMPLE AVE, SUITE 120 POMONA, CA 91768 |
* | $ 500,000,000 | 1 | $ 111,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 60,970,527,000 | 1 | $ 85,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 405,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 13,653,019,000 | 1 | $ 196,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,291,705,000 | 1 | $ 700,000 |
| Amegy Bank of Texas, NA 4400 POST OAK PKWY, 6TH FLOOR HOUSTON, TX 77027 |
* | $ 12,197,624,000 | 1 | $ 930,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 187,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 34,276,023,000 | 1 | $ 1,120,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 338,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 11,676,671,000 | 1 | $ 244,000 |
| Amegy Mortgage Company, L.L.C. 4576 RESEARCH FOREST DRIVE THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 1 | $ 300,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,675,891,000 | 1 | $ 315,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 250,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 2,225,317,000 | 1 | $ 409,000 |
| Share Plus Federal Bank 5224 W. PLANO PARKWAY PLANO, TX 75093 |
* | $ 272,851,000 | 1 | $ 124,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,664,742,000 | 1 | $ 204,000 |
| Southwest Bank 4100 INTERNATIONAL PLAZA, STE 900 FORT WORTH, TX 76109 |
* | $ 954,252,000 | 1 | $ 374,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,507,508,000 | 1 | $ 220,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 5,681,476,000 | 1 | $ 33,000 |
| Legacytexas Bank 5000 LEGACY DRIVE PLANO, TX 75024 |
* | $ 1,583,961,000 | 1 | $ 220,000 |
| First Private Bank of Texas 8201 PRESTON ROAD, SUITE 200 DALLAS, TX 75225 |
* | $ 282,977,000 | 1 | $ 488,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 155,000 |
| First National Bank of Canton 231 E TYLER CANTON, TX 75103 |
* | $ 119,461,000 | 1 | $ 108,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 123,000 |
| Kilgore National Bank 410 N KILGORE STREET KILGORE, TX 75662 |
* | $ 85,700,000 | 1 | $ 335,000 |
| Green Bank, National Association 4000 GREENBRIAR HOUSTON, TX 77098 |
* | $ 1,330,205,000 | 1 | $ 260,000 |
| Viewpoint Bank, N.A. 1309 W 15TH, SUITE 302 PLANO, TX 75075 |
* | $ 3,179,743,000 | 1 | $ 130,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 1 | $ 107,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 1 | $ 27,000 |
| American Bank of Texas PO BOX 1234 SHERMAN, TX 75091 |
* | $ 1,140,346,000 | 1 | $ 504,000 |
| State Bank and Trust Company 2517 MIDWAY ROAD CARROLLTON, TX 75006 |
* | $ 195,259,000 | 1 | $ 200,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,580,221,000 | 1 | $ 72,000 |
| North East Texas Credit Union PO BOX 1480 LONE STAR, TX 75638 |
* | $ 116,419,000 | 1 | $ 3,000 |
| Patriot Bank 7500 SAN FELIPE, SUITE 125 HOUSTON, TX 77063 |
* | $ 1,222,763,000 | 1 | $ 82,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,060,155,000 | 1 | $ 198,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 95,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 1,425,373,000 | 1 | $ 195,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 13,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 69,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 258,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 171,000 |
The tables below break down 2012 mortgage applications in Franklin County, TX 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, TX in 2012
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 | 286 | $62,857,000 | $219,000 | $1,420,000 | $207,000 | $3,600,000 |
| Home Purchase | 224 | $38,840,000 | $173,000 | $1,120,000 | $184,000 | $1,714,000 |
| Home Improvement | 17 | $1,416,000 | $83,000 | $379,000 | $133,000 | $409,000 |
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 | 419 | $82,724,000 | $197,000 | $1,420,000 | $203,000 | $2,718,000 |
| Not Provided | 43 | $10,576,000 | $245,000 | $990,000 | $290,000 | $3,600,000 |
| Not applicable | 33 | $6,774,000 | $205,000 | $700,000 | $79,000 | $448,000 |
| Hispanic | 27 | $2,624,000 | $97,000 | $408,000 | $82,000 | $360,000 |
| Black or African American | 4 | $350,000 | $87,000 | $107,000 | $56,000 | $88,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 447 | $94,157,000 | $210,000 | $1,420,000 | $223,000 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 48 | $5,290,000 | $110,000 | $372,000 | $42,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,176,000 | $103,000 | $163,000 | $29,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,490,000 | $135,000 | $188,000 | $41,000 | $117,000 |
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 | 272 | $54,421,000 | $200,000 | $1,420,000 | $214,000 | $2,718,000 |
| Loan Purchased By The Institution | 99 | $19,136,000 | $193,000 | $700,000 | $136,000 | $862,000 |
| Application Denied By Financial Institution | 68 | $12,899,000 | $189,000 | $890,000 | $221,000 | $3,600,000 |
| Application Withdrawn By Applicant | 46 | $10,207,000 | $221,000 | $990,000 | $211,000 | $1,305,000 |
| Application Approved But Not Accepted | 29 | $3,752,000 | $129,000 | $440,000 | $131,000 | $1,241,000 |
| File Closed For Incompleteness | 13 | $2,698,000 | $207,000 | $417,000 | $190,000 | $910,000 |
| 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 | 13 | $3,805,000 | $292,000 | $890,000 | $469,000 | $3,600,000 |
| Credit History | 11 | $734,000 | $66,000 | $111,000 | $39,000 | $90,000 |
| Credit Application Incomplete | 10 | $2,034,000 | $203,000 | $532,000 | $401,000 | $1,838,000 |
| Debt-To-Income Ratio | 7 | $1,040,000 | $148,000 | $371,000 | $50,000 | $158,000 |
| Unverifiable Information | 4 | $1,259,000 | $314,000 | $405,000 | $194,000 | $550,000 |
| Other | 2 | $256,000 | $128,000 | $196,000 | $164,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $143,000 | $143,000 | $143,000 | $198,000 | $198,000 |
| Mortgage Insurance Denied | 1 | $32,000 | $32,000 | $32,000 | $32,000 | $32,000 |
| Employment History | 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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