Freestone County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 870 mortgage applications in Freestone County, TX totaling $210.6 million, up 7% from 2024. The average application was for $242,000, and applicants reported an average income of $129,000. 35% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 169 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial Services, Inc..
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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 | 870 |
| Total Mortgage Loan Application Amount | $210,640,000 |
| Average Mortgage Loan Application Amount | $242,000 |
| Highest Mortgage Loan Application Amount | $9,705,000 |
| Average Applicant Income | $129,000 |
| Highest Applicant Income | $6,751,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 169 | $ 22,995,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 73 | $ 8,765,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 57 | $ 7,675,000 |
| Incommons Bank, N.A. 301 E COMMERCE MEXIA, TX 76667 |
* | $ n/a | 43 | $ 7,715,000 |
| Loanpeople, LLC 3420 EXECUTIVE CENTER DR #G100 AUSTIN, TX 78731 |
* | $ n/a | 32 | $ 7,090,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 28 | $ 2,900,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 20 | $ 3,910,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 19 | $ 3,095,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 18 | $ 3,120,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 18 | $ 6,580,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 15 | $ 1,975,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 13 | $ 2,725,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 13 | $ 2,795,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 2,625,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 12 | $ 3,250,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 11 | $ 2,645,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 11 | $ 1,635,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 8 | $ 2,610,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 7 | $ 2,535,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,005,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 1,825,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ n/a | 6 | $ 2,810,000 |
| Citizens State Bank 1330 W COMMERCE ST BUFFALO, TX 75831 |
* | $ n/a | 6 | $ 1,980,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 6 | $ 4,220,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 6 | $ 1,530,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 5 | $ 415,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 5 | $ 2,545,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 5 | $ 1,295,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 825,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 5 | $ 1,515,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 5 | $ 1,295,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 4 | $ 830,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 4 | $ 1,420,000 |
| Benchmark Bank 5700 LEGACY DRIVE SUITE 10 PLANO, TX 75024 |
* | $ n/a | 4 | $ 22,410,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 4 | $ 2,140,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 850,000 |
| Community National Bank & Trust of Texas PO BOX 624 CORSICANA, TX 75151 |
* | $ n/a | 4 | $ 580,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 680,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 4 | $ 1,870,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 4 | $ 1,440,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 4 | $ 440,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 530,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 800,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 1,475,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ n/a | 3 | $ 835,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 395,000 |
| Texasbank 400 FISK AVE BROWNWOOD, TX 76801 |
* | $ n/a | 3 | $ 1,035,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 3 | $ 595,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 3 | $ 515,000 |
| Pike Creek Mortgage Services, Inc. 2100 DRUMMOND PLAZA NEWARK, DE 19711 |
* | $ n/a | 3 | $ 475,000 |
| Rogue Credit Union 1370 CENTER DRIVE MEDFORD, OR 97501 |
* | $ n/a | 3 | $ 505,000 |
| Tolleson Private Bank 5550 PRESTON ROAD STE B DALLAS, TX 75205 |
* | $ n/a | 2 | $ 11,760,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 2 | $ 140,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 600,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 2 | $ 160,000 |
| Ladera Lending, Inc. 555 CORPORATE DRIVE SUITE 215 LADERA RANCH, CA 92694 |
* | $ n/a | 2 | $ 520,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 530,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 640,000 |
| Alliance Bank Central Texas P.O. BOX 7554 WOODWAY, TX 76712 |
* | $ n/a | 2 | $ 200,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 620,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 350,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 2 | $ 570,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ n/a | 2 | $ 960,000 |
| Genco Federal Credit Union PO BOX 7246 WACO, TX 76710 |
* | $ n/a | 2 | $ 330,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 280,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 70,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 2 | $ 160,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 410,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 670,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 250,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 2 | $ 330,000 |
| Jmac Lending, Inc. 2510 RED HILL AVENUE SANTA ANA, CA 92705 |
* | $ n/a | 2 | $ 440,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 360,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 2 | $ 610,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 200,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 970,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ n/a | 1 | $ 155,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ n/a | 1 | $ 135,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 6,005,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 175,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 1 | $ 175,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 335,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 195,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 95,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 345,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 405,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ n/a | 1 | $ 355,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 185,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 225,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 185,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 135,000 |
| Associated Credit Union of Tx 1095 W LEAGUE CITY PKWY LEAGUE CITY, TX 77573 |
* | $ n/a | 1 | $ 395,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 185,000 |
| First State Bank 130 E CORSICANA STREET ATHENS, TX 75751 |
* | $ n/a | 1 | $ 395,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 165,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 235,000 |
| Tbk Bank, SSB 12700 PARK CENTRAL DRIVE STE #1700 DALLAS, TX 75251 |
* | $ n/a | 1 | $ 6,005,000 |
| Southside Bank 1201 S BECKHAM TYLER, TX 75701 |
* | $ n/a | 1 | $ 55,000 |
| Peoples State Bank 5850 HWY 59 S. SHEPHERD, TX 77371 |
* | $ n/a | 1 | $ 255,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 215,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 285,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 465,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 215,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 115,000 |
| National Cooperative Bank, N.A. 139 SOUTH HIGH STREET HILLSBORO, OH 45133 |
* | $ n/a | 1 | $ 225,000 |
| Stg Mortgage Inc 18401 VON KARMAN AVENUE SUITE 440 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 275,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 145,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ n/a | 1 | $ 115,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 1 | $ 15,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 155,000 |
| Gecu 1225 AIRWAY BLVD EL PASO, TX 79925 |
* | $ n/a | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 335,000 |
| Texell Credit Union PO BOX 983 TEMPLE, TX 76503 |
* | $ n/a | 1 | $ 95,000 |
| Vellum Mortgage, Inc. 12700 FAIR LAKES CIR SUITE 400 FAIRFAX, VA 22033 |
* | $ n/a | 1 | $ 75,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 1 | $ 145,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 55,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 75,000 |
| Oaktree Funding Corp 1298 WEST 7TH STREET CHANDLER, AZ 85226 |
* | $ n/a | 1 | $ 255,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 65,000 |
| Texans Credit Union 777 E. CAMPBELL ROAD #300 RICHARDSON, TX 75081 |
* | $ n/a | 1 | $ 705,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 535,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 125,000 |
The tables below break down 2025 mortgage applications in Freestone 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 Freestone County, TX in 2025
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 | 639 | $159,945,000 | $250,000 | $9,705,000 | $129,000 | $6,751,000 |
| Refinancing | 89 | $29,275,000 | $328,000 | $1,855,000 | $168,000 | $827,000 |
| Cash-out Refinancing | 82 | $15,250,000 | $185,000 | $735,000 | $108,000 | $339,000 |
| Other Purpose | 33 | $3,155,000 | $95,000 | $245,000 | $94,000 | $648,000 |
| Home Improvement | 24 | $2,720,000 | $113,000 | $405,000 | $131,000 | $519,000 |
| Not Applicable | 3 | $295,000 | $98,000 | $185,000 | $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 | 463 | $107,095,000 | $231,000 | $6,505,000 | $137,000 | $5,586,000 |
| Hispanic | 121 | $19,815,000 | $163,000 | $505,000 | $88,000 | $410,000 |
| Black or African American | 112 | $16,110,000 | $143,000 | $715,000 | $78,000 | $338,000 |
| Not applicable | 91 | $47,865,000 | $525,000 | $9,705,000 | $139,000 | $200,000 |
| Not Provided | 70 | $18,280,000 | $261,000 | $6,005,000 | $232,000 | $6,751,000 |
| American Indian or Alaskan Native | 9 | $1,045,000 | $116,000 | $195,000 | $57,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $325,000 | $108,000 | $175,000 | $101,000 | $102,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $648,000 | $648,000 |
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) | 709 | $169,805,000 | $239,000 | $9,705,000 | $132,000 | $6,751,000 |
| FHA-insured (Federal Housing Administration) | 105 | $23,825,000 | $226,000 | $415,000 | $102,000 | $254,000 |
| VA-guaranteed (Veterans Administration) | 53 | $16,625,000 | $313,000 | $735,000 | $117,000 | $338,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $385,000 | $128,000 | $145,000 | $54,000 | $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 | 308 | $104,510,000 | $339,000 | $9,705,000 | $161,000 | $5,586,000 |
| Application Denied By Financial Institution | 221 | $38,645,000 | $174,000 | $6,005,000 | $113,000 | $6,751,000 |
| File Closed For Incompleteness | 113 | $17,115,000 | $151,000 | $915,000 | $90,000 | $565,000 |
| Application Withdrawn By Applicant | 109 | $27,405,000 | $251,000 | $1,855,000 | $121,000 | $648,000 |
| Loan Purchased By The Institution | 83 | $17,165,000 | $206,000 | $915,000 | $188,000 | $621,000 |
| Application Approved But Not Accepted | 35 | $5,625,000 | $160,000 | $495,000 | $92,000 | $205,000 |
| Preapproval Approved but not Accepted | 1 | $175,000 | $175,000 | $175,000 | $68,000 | $68,000 |
| 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 | 602 | $141,640,000 | $235,000 | $6,135,000 | $124,000 | $2,334,000 |
| Debt-To-Income Ratio | 123 | $50,145,000 | $407,000 | $9,705,000 | $157,000 | $5,586,000 |
| Credit History | 93 | $11,605,000 | $124,000 | $385,000 | $73,000 | $202,000 |
| Credit Application Incomplete | 16 | $2,310,000 | $144,000 | $565,000 | $88,000 | $213,000 |
| Collateral | 14 | $1,810,000 | $129,000 | $315,000 | $76,000 | $170,000 |
| Unverifiable Information | 11 | $1,265,000 | $115,000 | $215,000 | $73,000 | $138,000 |
| Other | 7 | $875,000 | $125,000 | $315,000 | $1,183,000 | $6,751,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $990,000 | $247,000 | $275,000 | $126,000 | $162,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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