Fulton County, IL Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 1,393 mortgage applications in Fulton County, IL totaling $141.4 million, up 36% from 2019. The average application was for $101,000, and applicants reported an average income of $74,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was Citizens Equity First Credit U, with 204 applications, followed by Midamerica National Bank and Ipava State Bank.
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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 | 1,393 |
| Total Mortgage Loan Application Amount | $141,445,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $849,000 |
* 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 |
|---|---|---|---|---|
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 204 | $ 14,190,000 |
| Midamerica National Bank 100 W ELM ST CANTON, IL 61520 |
* | $ 423,476,000 | 200 | $ 22,740,000 |
| Ipava State Bank PO BOX 49 70 EAST MAIN STREET IPAVA, IL 61441 |
* | $ 141,878,000 | 106 | $ 10,170,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 99 | $ 9,945,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 97 | $ 8,645,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 4,048,788,000 | 77 | $ 8,855,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 56 | $ 4,640,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 38 | $ 3,820,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 32 | $ 3,170,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ -1,000 | 26 | $ 2,740,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 684,678,000 | 22 | $ 3,460,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 22 | $ 2,800,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ -1,000 | 21 | $ 3,295,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 18 | $ 1,760,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 17 | $ 2,415,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 17 | $ 1,385,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ 288,139,000 | 15 | $ 1,355,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 735,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 364,964,000 | 9 | $ 1,145,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,675,000 | 9 | $ 1,075,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,120,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 8 | $ 1,780,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 8 | $ 1,470,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 9,679,115,000 | 7 | $ 575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 925,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 1,474,943,000 | 6 | $ 390,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 520,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 490,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 193,834,000 | 6 | $ 500,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 6 | $ 390,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 6 | $ 400,000 |
| Tbk Bank, SSB 12700 PARK CENTRAL DRIVE STE #1700 DALLAS, TX 75251 |
* | $ 5,037,604,000 | 6 | $ 600,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 450,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 1,156,171,000 | 6 | $ 1,120,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,808,206,000 | 5 | $ 295,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 473,977,000 | 5 | $ 705,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 505,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 5 | $ 435,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 5 | $ 355,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 505,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,123,482,000 | 4 | $ 180,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 4 | $ 390,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 4 | $ 190,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 350,000 |
| First Bankers Trust Company 505 NORTH 24TH STREET QUINCY, IL 62301 |
* | $ 921,626,000 | 4 | $ 730,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 340,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 325,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 315,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 17,757,753,000 | 3 | $ 565,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,909,697,000 | 3 | $ 265,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 295,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 2 | $ 60,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 410,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 450,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 521,891,000 | 2 | $ 210,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 170,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 2 | $ 130,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 150,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 340,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,040,288,000 | 2 | $ 220,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 520,000 |
| Alliance Community Bank 200 N WEST ST, PO BOX 319 PETERSBURG, IL 62675 |
* | $ 276,227,000 | 2 | $ 350,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 430,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 170,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 320,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 240,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 40,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 2 | $ 110,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 95,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 75,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 15,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 195,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 225,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 244,416,000 | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 135,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 65,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 115,000 |
| Bank of Pontiac 300 W WASHINGTON ST PONTIAC, IL 61764 |
* | $ 566,444,000 | 1 | $ 75,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 55,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 115,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 1,163,544,000 | 1 | $ 5,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 75,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 65,000 |
| First Trust Bank of Illinois 275 E COURT ST KANKAKEE, IL 60901 |
* | $ 306,050,000 | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 165,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 245,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 17,659,319,000 | 1 | $ 85,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 155,000 |
| Goodfield State Bank 201 S EUREKA STREET GOODFIELD, IL 61742 |
* | $ 134,438,000 | 1 | $ 15,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 125,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,757,174,000 | 1 | $ 185,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 45,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 483,497,000 | 1 | $ 95,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 359,332,000 | 1 | $ 45,000 |
| The Credit Union for All 1811 EASTLAND DRIVE BLOOMINGTON, IL 61704 |
* | $ 60,803,000 | 1 | $ 325,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 75,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 85,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 195,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 215,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 105,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 105,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 1 | $ 55,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 25,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 275,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 65,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 35,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 145,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 285,000 |
| Redbrand Credit Union 820 MCKINLEY AVE BARTONVILLE, IL 61607 |
* | $ 59,126,000 | 1 | $ 65,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 202,070,000 | 1 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 125,000 |
| Pivot Financial Partners, Inc 5935 S ZANG ST., STE 220 LITTLETON, CO 80120 |
* | $ -1,000 | 1 | $ 175,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 325,000 |
| Dignified Home Loans LLC 1 BAXTER WAY, SUITE 120 WESTLAKE VILLAGE, CA 91362 |
* | $ -1,000 | 1 | $ 135,000 |
| West Central Bank 400 E BUCHANAN ASHLAND, IL 62612 |
* | $ 187,309,000 | 1 | $ 175,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 195,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2020 mortgage applications in Fulton County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Fulton County, IL in 2020
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 | 638 | $61,490,000 | $96,000 | $615,000 | $69,000 | $580,000 |
| Refinancing | 386 | $46,460,000 | $120,000 | $515,000 | $88,000 | $849,000 |
| Cash-out Refinancing | 195 | $24,385,000 | $125,000 | $565,000 | $86,000 | $307,000 |
| Home Improvement | 71 | $2,975,000 | $41,000 | $145,000 | $26,000 | $155,000 |
| Not Applicable | 56 | $3,960,000 | $70,000 | $165,000 | $0 | $0 |
| Other Purpose | 47 | $2,175,000 | $46,000 | $215,000 | $42,000 | $236,000 |
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 | 1,158 | $119,250,000 | $102,000 | $565,000 | $74,000 | $849,000 |
| Not applicable | 163 | $14,905,000 | $91,000 | $615,000 | $98,000 | $198,000 |
| Not Provided | 58 | $6,190,000 | $106,000 | $365,000 | $71,000 | $232,000 |
| American Indian or Alaskan Native | 6 | $430,000 | $71,000 | $115,000 | $47,000 | $121,000 |
| Black or African American | 3 | $315,000 | $105,000 | $135,000 | $41,000 | $64,000 |
| Hispanic | 3 | $105,000 | $35,000 | $75,000 | $24,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $60,000 | $60,000 |
| Asian | 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) | 976 | $100,460,000 | $102,000 | $615,000 | $79,000 | $849,000 |
| FHA-insured (Federal Housing Administration) | 182 | $16,600,000 | $91,000 | $315,000 | $56,000 | $202,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 149 | $11,785,000 | $79,000 | $195,000 | $42,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 86 | $12,600,000 | $146,000 | $395,000 | $75,000 | $152,000 |
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 | 875 | $94,575,000 | $108,000 | $615,000 | $76,000 | $461,000 |
| Application Denied By Financial Institution | 155 | $12,855,000 | $82,000 | $335,000 | $59,000 | $279,000 |
| Loan Purchased By The Institution | 152 | $13,640,000 | $89,000 | $275,000 | $91,000 | $198,000 |
| Application Withdrawn By Applicant | 148 | $14,280,000 | $96,000 | $365,000 | $75,000 | $849,000 |
| File Closed For Incompleteness | 44 | $3,690,000 | $83,000 | $275,000 | $68,000 | $151,000 |
| Application Approved But Not Accepted | 19 | $2,405,000 | $126,000 | $355,000 | $75,000 | $157,000 |
| 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 | 939 | $95,895,000 | $102,000 | $515,000 | $68,000 | $580,000 |
| Debt-To-Income Ratio | 346 | $36,340,000 | $105,000 | $615,000 | $88,000 | $849,000 |
| Credit History | 38 | $2,810,000 | $73,000 | $335,000 | $50,000 | $150,000 |
| Collateral | 23 | $1,765,000 | $76,000 | $245,000 | $74,000 | $224,000 |
| Other | 19 | $1,805,000 | $95,000 | $225,000 | $79,000 | $179,000 |
| Credit Application Incomplete | 11 | $1,005,000 | $91,000 | $155,000 | $51,000 | $86,000 |
| Employment History | 7 | $695,000 | $99,000 | $125,000 | $77,000 | $143,000 |
| Unverifiable Information | 5 | $735,000 | $147,000 | $325,000 | $127,000 | $279,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $275,000 | $91,000 | $145,000 | $84,000 | $122,000 |
| Mortgage Insurance Denied | 2 | $120,000 | $60,000 | $75,000 | $51,000 | $55,000 |
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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