Freeborn County, MN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 993 mortgage applications in Freeborn County, MN totaling $118.2 million, up 8% from 2018. The average application was for $119,000, and applicants reported an average income of $73,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was US Bank, N.A., with 134 applications, followed by Home Federal Savings Bank and Fairway Independent Mort Corp.
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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 | 993 |
| Total Mortgage Loan Application Amount | $118,245,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,781,000 |
* 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 |
* | $ 459,476,604,000 | 134 | $ 14,270,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 711,235,000 | 121 | $ 10,455,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 94 | $ 9,350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 76 | $ 8,010,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 30 | $ 6,160,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 347,126,000 | 29 | $ 3,735,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 23 | $ 4,605,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 1,288,089,000 | 20 | $ 1,850,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 15 | $ 2,425,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 14 | $ 720,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 13 | $ 1,635,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 12 | $ 1,010,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 1,820,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 510,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 12,122,519,000 | 11 | $ 1,015,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,355,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 1,510,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,415,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 9 | $ 1,025,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,060,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 8 | $ 1,180,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 7 | $ 1,115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 1,045,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 7 | $ 445,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 7 | $ 815,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 5,394,695,000 | 7 | $ 1,325,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 7 | $ 895,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 6 | $ 440,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 6 | $ 910,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 490,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 6 | $ 840,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 5 | $ 625,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 895,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 585,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 465,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 5 | $ 625,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 4 | $ 490,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 4 | $ 500,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 470,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 4 | $ 390,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,176,480,000 | 4 | $ 500,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 578,076,000 | 4 | $ 610,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 4 | $ 1,240,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 4 | $ 490,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 630,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 3 | $ 445,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 3 | $ 575,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 3 | $ 545,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 3 | $ 315,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 318,656,000 | 3 | $ 435,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 3 | $ 395,000 |
| Roundbank 200 SECOND STREET NE, PO BOX 667 WASECA, MN 56093 |
* | $ 308,104,000 | 3 | $ 325,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 2 | $ 190,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 540,407,000 | 2 | $ 250,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 463,857,000 | 2 | $ 80,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,514,584,000 | 2 | $ 80,000 |
| United Prairie Bank 10 FIRESTONE DRIVE, SUITE 300 MANKATO, MN 56001 |
* | $ 599,378,000 | 2 | $ 160,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 190,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 320,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 955,732,000 | 2 | $ 70,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,647,162,000 | 2 | $ 180,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,706,892,000 | 2 | $ 550,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 2 | $ 180,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 480,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,766,499,000 | 2 | $ 220,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 2 | $ 340,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 340,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ -1,000 | 2 | $ 120,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 250,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 144,960,000 | 2 | $ 340,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 302,011,000 | 2 | $ 160,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 270,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 910,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 2 | $ 210,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 125,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 285,000 |
| F & M Community Bank, N.A. PO BOX 467 PRESTON, MN 55965 |
* | $ 132,031,000 | 1 | $ 85,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,269,890,000 | 1 | $ 75,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 125,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 145,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 445,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,606,623,000 | 1 | $ 465,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 175,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 115,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 304,701,000 | 1 | $ 155,000 |
| Rushmore Loan Management Services LLC 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 75,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,029,298,000 | 1 | $ 215,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 418,278,000 | 1 | $ 115,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 5,953,334,000 | 1 | $ 275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 145,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 65,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 2,390,524,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 125,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 235,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 1,282,907,000 | 1 | $ 55,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,205,430,000 | 1 | $ 45,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,298,959,000 | 1 | $ 175,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 175,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 125,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,708,028,000 | 1 | $ 65,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 85,000 |
| Falcon National Bank 183 CEDAR DRIVE FOLEY, MN 56329 |
* | $ 472,539,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 85,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 165,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 185,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 75,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 145,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 1 | $ 145,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 226,265,000 | 1 | $ 195,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ 454,144,000 | 1 | $ 225,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 95,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 85,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 65,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,065,189,000 | 1 | $ 105,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,251,526,000 | 1 | $ 85,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 105,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 187,387,000 | 1 | $ 55,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 7,183,022,000 | 1 | $ 35,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,389,689,000 | 1 | $ 75,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ 1,253,389,000 | 1 | $ 85,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 195,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 15,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 195,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 305,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 753,826,000 | 1 | $ 155,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 820,261,000 | 1 | $ 245,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2019 mortgage applications in Freeborn County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Freeborn County, MN in 2019
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 | 507 | $63,915,000 | $126,000 | $1,085,000 | $64,000 | $445,000 |
| Cash-out Refinancing | 176 | $22,120,000 | $125,000 | $465,000 | $67,000 | $205,000 |
| Refinancing | 163 | $21,405,000 | $131,000 | $575,000 | $78,000 | $525,000 |
| Home Improvement | 68 | $3,230,000 | $47,000 | $205,000 | $91,000 | $291,000 |
| Other Purpose | 59 | $5,015,000 | $85,000 | $505,000 | $125,000 | $1,781,000 |
| Not Applicable | 20 | $2,560,000 | $128,000 | $515,000 | $140,000 | $140,000 |
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 | 746 | $89,970,000 | $120,000 | $1,085,000 | $76,000 | $1,781,000 |
| Not applicable | 97 | $11,785,000 | $121,000 | $515,000 | $58,000 | $138,000 |
| Not Provided | 62 | $7,960,000 | $128,000 | $465,000 | $74,000 | $432,000 |
| Hispanic | 50 | $4,730,000 | $94,000 | $185,000 | $44,000 | $135,000 |
| Asian | 22 | $2,030,000 | $92,000 | $205,000 | $39,000 | $72,000 |
| Black or African American | 9 | $915,000 | $101,000 | $175,000 | $40,000 | $70,000 |
| American Indian or Alaskan Native | 4 | $300,000 | $75,000 | $145,000 | $60,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
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) | 644 | $74,120,000 | $115,000 | $1,085,000 | $83,000 | $1,781,000 |
| FHA-insured (Federal Housing Administration) | 206 | $23,120,000 | $112,000 | $305,000 | $47,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 74 | $13,490,000 | $182,000 | $385,000 | $71,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $7,515,000 | $108,000 | $245,000 | $43,000 | $86,000 |
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 | 577 | $69,145,000 | $119,000 | $575,000 | $75,000 | $1,781,000 |
| Application Denied By Financial Institution | 175 | $17,645,000 | $100,000 | $405,000 | $60,000 | $207,000 |
| Application Withdrawn By Applicant | 109 | $13,105,000 | $120,000 | $465,000 | $76,000 | $432,000 |
| Loan Purchased By The Institution | 98 | $13,060,000 | $133,000 | $515,000 | $65,000 | $190,000 |
| File Closed For Incompleteness | 22 | $2,760,000 | $125,000 | $345,000 | $63,000 | $240,000 |
| Application Approved But Not Accepted | 12 | $2,530,000 | $210,000 | $1,085,000 | $129,000 | $445,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 774 | $95,140,000 | $122,000 | $1,085,000 | $75,000 | $1,781,000 |
| Debt-To-Income Ratio | 85 | $9,945,000 | $117,000 | $365,000 | $65,000 | $235,000 |
| Credit History | 57 | $4,445,000 | $77,000 | $235,000 | $66,000 | $200,000 |
| Collateral | 36 | $4,070,000 | $113,000 | $405,000 | $66,000 | $207,000 |
| Other | 16 | $2,070,000 | $129,000 | $385,000 | $65,000 | $159,000 |
| Credit Application Incomplete | 14 | $1,670,000 | $119,000 | $245,000 | $60,000 | $130,000 |
| Unverifiable Information | 6 | $470,000 | $78,000 | $125,000 | $63,000 | $110,000 |
| Employment History | 3 | $225,000 | $75,000 | $95,000 | $25,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $210,000 | $105,000 | $115,000 | $67,000 | $108,000 |
| 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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