Franklin County, VT Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 3,933 mortgage applications in Franklin County, VT totaling $603.8 million, up 24% from 2008. The average application was for $153,000, and applicants reported an average income of $69,000. 56% of applications resulted in an originated loan and 16% were denied. The most active lender was Peoples Trust Company of St. Albans, with 567 applications, followed by Eastrise Federal Credit Union and Vermont Federal Credit Union.
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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 | 3,933 |
| Total Mortgage Loan Application Amount | $603,830,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $663,000 |
* 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 |
|---|---|---|---|---|
| Peoples Trust Company of St. Albans 25 KINGMAN STREET, PO BOX 320 ST. ALBANS, VT 05478 |
* | $ 213,495,000 | 567 | $ 76,792,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 678,612,000 | 556 | $ 81,420,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 228,672,000 | 222 | $ 28,359,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 101,632,075,000 | 202 | $ 26,080,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 186 | $ 33,552,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 146 | $ 26,366,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 117 | $ 10,022,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 19,259,550,000 | 115 | $ 17,784,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 105 | $ 19,042,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 103 | $ 17,743,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 439,404,000 | 84 | $ 13,162,000 |
| Merchants Bank PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,345,842,000 | 77 | $ 8,907,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 69 | $ 12,694,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 67 | $ 11,628,000 |
| Mortgage Financial Inc 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 65 | $ 12,972,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 62 | $ 3,974,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 60 | $ 10,481,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 58 | $ 10,857,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 53 | $ 9,101,000 |
| Community National Bank 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 486,950,000 | 50 | $ 6,402,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 48 | $ 8,717,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 46 | $ 5,924,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 44 | $ 6,125,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 44 | $ 6,125,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 440,385,000 | 42 | $ 5,335,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 38 | $ 5,917,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 37 | $ 6,254,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 37 | $ 6,782,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 32 | $ 6,033,000 |
| Greenpark Mortgage Corporation 140 GOULD STREET NEEDHAM, MA 02494 |
* | $ 1,031,643,000 | 31 | $ 5,891,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 28 | $ 4,909,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 27 | $ 4,901,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 25 | $ 4,612,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 24 | $ 4,874,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 22 | $ 3,400,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 21 | $ 3,748,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 19 | $ 3,248,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 15 | $ 2,676,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 14 | $ 2,657,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 14 | $ 2,622,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 13 | $ 2,579,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 13 | $ 2,524,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 12 | $ 1,954,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 12 | $ 2,276,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 12 | $ 2,120,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 77,029,703,000 | 11 | $ 2,024,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,935,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 1,749,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 229,944,000 | 8 | $ 568,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 1,407,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 7 | $ 1,189,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 6 | $ 839,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 6 | $ 1,158,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 5 | $ 1,074,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 5 | $ 1,037,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 5 | $ 891,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 5 | $ 962,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 5 | $ 1,183,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 5 | $ 809,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 4 | $ 648,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 819,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 587,991,000 | 4 | $ 586,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 4 | $ 797,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 3 | $ 359,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 823,318,000 | 3 | $ 767,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 3 | $ 554,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 3 | $ 691,000 |
| First Federal Savings Bank 726 WELLS STREET SISTERSVILLE, WV 26175 |
* | $ 49,778,000 | 3 | $ 583,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 3 | $ 508,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 3 | $ 516,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 3 | $ 528,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 3 | $ 602,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 410,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 3 | $ 641,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 2 | $ 404,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 429,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ 10,000,000 | 2 | $ 257,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 2 | $ 415,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 433,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,494,575,000 | 2 | $ 275,000 |
| Premier America Credit Union 19867 PRAIRIE STREET CHATSWORTH, CA 91311 |
* | $ 1,454,101,000 | 2 | $ 379,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 2 | $ 397,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 2,326,856,000 | 2 | $ 107,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 62,318,000 | 2 | $ 419,000 |
| Hampden Bank 19 HARRISON AVENUE SPRINGFIELD, MA 01103 |
* | $ 524,531,000 | 2 | $ 64,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 1,851,772,000 | 2 | $ 466,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 2 | $ 321,000 |
| Bankmortgagesolutions LLC 14425 COLLEGE BLVD SUITE 100 LENEXA, KS 66215 |
* | $ 11,000,000 | 2 | $ 370,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 180,373,000 | 2 | $ 577,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 2 | $ 518,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,127,000 | 2 | $ 317,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 2 | $ 273,000 |
| National Bank of Middlebury 30 MAIN STREET MIDDLEBURY, VT 05753 |
* | $ 253,515,000 | 1 | $ 233,000 |
| First National Bank of Cc P.O. BOX 523 WEST CHESTER, PA 19381 |
* | $ 1,297,208,000 | 1 | $ 176,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 179,215,000 | 1 | $ 77,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 143,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 20,000 |
| Benchmark Federal Credit Union 1522 MCDANIEL DR WEST CHESTER, PA 19380 |
* | $ 185,080,000 | 1 | $ 200,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 2,884,364,000 | 1 | $ 238,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 159,099,000 | 1 | $ 62,000 |
| Holyoke Credit Union 490 WESTFIELD ROAD HOLYOKE, MA 01040 |
* | $ 115,447,000 | 1 | $ 143,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 174,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 173,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 208,407,000 | 1 | $ 138,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 1 | $ 191,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 235,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,958,963,000 | 1 | $ 130,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 6,513,521,000 | 1 | $ 292,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 223,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 177,000 |
| Lake Sunapee Bank 9 MAIN ST NEWPORT, NH 03773 |
* | $ 839,436,000 | 1 | $ 190,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 366,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,317,250,000 | 1 | $ 187,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 206,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 153,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 1 | $ 143,000 |
The tables below break down 2009 mortgage applications in Franklin County, VT 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, VT 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 | 2,887 | $461,864,000 | $159,000 | $740,000 | $71,000 | $663,000 |
| Home Purchase | 716 | $117,777,000 | $164,000 | $1,700,000 | $62,000 | $504,000 |
| Home Improvement | 330 | $24,189,000 | $73,000 | $284,000 | $64,000 | $500,000 |
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 | 3,235 | $492,865,000 | $152,000 | $740,000 | $71,000 | $663,000 |
| Not Provided | 423 | $70,808,000 | $167,000 | $700,000 | $76,000 | $504,000 |
| Not applicable | 209 | $31,363,000 | $150,000 | $1,700,000 | $21,000 | $148,000 |
| American Indian or Alaskan Native | 29 | $3,652,000 | $125,000 | $252,000 | $58,000 | $132,000 |
| Hispanic | 18 | $2,439,000 | $135,000 | $277,000 | $75,000 | $160,000 |
| Asian | 13 | $1,501,000 | $115,000 | $254,000 | $43,000 | $109,000 |
| Black or African American | 4 | $748,000 | $187,000 | $236,000 | $38,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $454,000 | $227,000 | $235,000 | $79,000 | $83,000 |
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) | 3,245 | $475,970,000 | $146,000 | $1,700,000 | $73,000 | $663,000 |
| FHA-insured (Federal Housing Administration) | 480 | $88,091,000 | $183,000 | $324,000 | $55,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 124 | $25,741,000 | $207,000 | $394,000 | $38,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $14,028,000 | $167,000 | $253,000 | $47,000 | $83,000 |
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 | 2,206 | $333,279,000 | $151,000 | $1,700,000 | $74,000 | $631,000 |
| Application Denied By Financial Institution | 618 | $91,671,000 | $148,000 | $417,000 | $61,000 | $515,000 |
| Loan Purchased By The Institution | 544 | $89,911,000 | $165,000 | $415,000 | $55,000 | $542,000 |
| Application Withdrawn By Applicant | 292 | $48,781,000 | $167,000 | $417,000 | $75,000 | $663,000 |
| Application Approved But Not Accepted | 202 | $29,342,000 | $145,000 | $700,000 | $66,000 | $504,000 |
| File Closed For Incompleteness | 71 | $10,846,000 | $152,000 | $400,000 | $75,000 | $536,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 143 | $23,496,000 | $164,000 | $411,000 | $47,000 | $208,000 |
| Collateral | 126 | $22,851,000 | $181,000 | $417,000 | $78,000 | $515,000 |
| Credit History | 90 | $10,202,000 | $113,000 | $290,000 | $56,000 | $234,000 |
| Other | 34 | $5,355,000 | $157,000 | $358,000 | $73,000 | $299,000 |
| Credit Application Incomplete | 18 | $3,037,000 | $168,000 | $255,000 | $85,000 | $288,000 |
| Unverifiable Information | 12 | $1,830,000 | $152,000 | $265,000 | $72,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,026,000 | $146,000 | $213,000 | $50,000 | $85,000 |
| Mortgage Insurance Denied | 7 | $1,374,000 | $196,000 | $258,000 | $67,000 | $81,000 |
| Employment History | 5 | $622,000 | $124,000 | $225,000 | $47,000 | $67,000 |
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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