Garfield County, OK Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 3,049 mortgage applications in Garfield County, OK totaling $316.0 million, up 13% from 2008. The average application was for $103,000, and applicants reported an average income of $61,000. 47% of applications resulted in an originated loan and 18% were denied. The most active lender was Bank of Oklahoma, NA, with 532 applications, followed by Tinker Federal Credit Union and Bank of the West.

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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 3,049
Total Mortgage Loan Application Amount $316,042,000
Average Mortgage Loan Application Amount $103,000
Highest Mortgage Loan Application Amount $1,931,000
Average Applicant Income $61,000
Highest Applicant Income $1,175,000

Mortgage Company List for Lending in Garfield County, OK for 2009

* 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
Bank of Oklahoma, NA
PO BOX 2300
TULSA, OK 74102
* $ 16,610,571,000 532 $ 54,812,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 1,806,878,000 220 $ 6,567,000
Bank of the West
1977 SATURN STREET MS SC-MPK-03-N
MONTEREY PARK, CA 91755
* $ 66,890,239,000 215 $ 16,968,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 171 $ 19,672,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 132 $ 16,384,000
Liberty Federal Savings Bank
401 W BROADWAY
ENID, OK 73701
* $ 179,354,000 124 $ 13,310,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 21,270,147,000 116 $ 11,164,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 105 $ 9,751,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 86 $ 13,470,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 80 $ 10,971,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 529,549,000 75 $ 6,397,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 73 $ 3,989,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 70 $ 7,498,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 68 $ 8,083,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 726,952,000 65 $ 6,116,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 59 $ 8,025,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 51 $ 6,869,000
Nbc Oklahoma
13401 N PENN
OKC, OK 73120
* $ 449,026,000 50 $ 9,321,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 49 $ 6,186,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 48 $ 5,511,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 47 $ 5,844,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 41 $ 5,075,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,041,440,000 35 $ 5,363,000
Equity Bank
7701 E KELLOGG STE 200
WICHITA, KS 67207
* $ 380,607,000 29 $ 2,819,000
American General Fin.Serv.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 27 $ 525,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 22 $ 2,551,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 20 $ 2,351,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 509,209,000 18 $ 492,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 17 $ 2,494,000
Wintrust Mortgage Corporation
660 MIDWEST RD SUITE 100
OAK BROOK TERRACE, IL 60181
* $ 300,000,000 17 $ 2,860,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 16 $ 1,893,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 16 $ 2,074,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 147,483,646,000 13 $ 1,801,000
City National Bank and Trust
PO BOX 2009
LAWTON, OK 73502
* $ 278,594,000 13 $ 515,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 115,142,306,000 12 $ 112,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,039,978,000 11 $ 1,066,000
Citifinancial Equity Services
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 11 $ 479,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 10 $ 938,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 10 $ 974,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,242,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 8 $ 1,079,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 8 $ 808,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 7 $ 1,136,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 6 $ 948,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 264,025,000 6 $ 447,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 6 $ 166,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 3,854,707,000 6 $ 627,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 3,930,807,000 5 $ 408,000
Frontier State Bank
5100 S. I-35 SVC RD
OKLAHOMA CITY, OK 73129
* $ 733,066,000 5 $ 723,000
Arvest Bank Group
4500 SOUTH GARNETT SUIT 440
TULSA, OK 74146
* $ 10,210,879,000 5 $ 347,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 7,047,356,000 5 $ 383,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 5 $ 445,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 5 $ 349,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 5 $ 669,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 855,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 4 $ 467,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 4 $ 454,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 475,000
Pentagon Federal Credit Union
14300 SULLYFIELD CIRCLE
CHANTILLY, VA 20151
* $ 12,942,945,000 4 $ 451,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 181,604,079,000 4 $ 488,000
Bank of Kansas City
P.O. BOX 2300
TULSA, OK 74192
* $ 87,221,000 3 $ 353,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,853,520,000 3 $ 158,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 3 $ 115,000
Legacy Bank
101 W MAIN
HINTON, OK 73047
* $ 478,370,000 3 $ 262,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 3 $ 404,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 155,344,000 3 $ 158,000
Liberty Mortgage Corporation
223 W NASH STREET
WILSON, NC 27893
* $ 2,406,088,000 3 $ 388,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 3 $ 246,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ 5,500,000 3 $ 318,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 3 $ 599,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 295,000
Premium Capital Funding LLC
125 JERICHO TPKE
JERICHO, NY 11753
* $ 10,000,000 3 $ 273,000
Homeplus Finance Corporation
2143 S. SEPULVEDA BLVD
LOS ANGELES, CA 90025
* $ 40,000,000 3 $ 31,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 3 $ 470,000
Universal Mortgage Corporation
12080 NORTH CORPORATE PKWY SUITE 100
MEQUON, WI 53092
* $ 10,000,000 3 $ 478,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 132,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 2 $ 150,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 2 $ 311,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 497,000
Classic Home Financial, Inc.
10700 RICHMOND AVENUE #150
HOUSTON, TX 77042
* $ 428,000,000 2 $ 154,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 459,189,000 2 $ 336,000
Mortgage Solutions of Co, LLC
5455 N UNION BLVD # 105
COLORADO SPRINGS, CO 80918
* $ 10,000,000 2 $ 226,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 2 $ 723,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 665,217,000 2 $ 104,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 10,210,879,000 2 $ 205,000
Republic Bank & Trust
401 W. MAIN
NORMAN, OK 73069
* $ 315,472,000 2 $ 273,000
Colorado State Bank & Trust NA
PO BOX 2300
TULSA, OK 74102
* $ 1,338,323,000 2 $ 268,000
Bank of Arkansas, NA
PO BOX 2300
TULSA, OK 74102
* $ 285,264,000 2 $ 317,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 2 $ 488,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 2 $ 442,000
Bank Snb, NA
608 S MAIN
STILLWATER, OK 74074
* $ 2,743,888,000 2 $ 2,009,000
The Huntington National Bank
7575 HUNTINGTON PARK DR
COLUMBUS, OH 43235
* $ 53,586,626,000 1 $ 299,000
First National Bank of Oklahoma
10900 HEFNER POINTE DRIVE
OKLAHOMA CITY, OK 73120
* $ 176,463,000 1 $ 47,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 823,318,000 1 $ 226,000
UMB Bank, NA
1008 OAK ST.
KANSAS CITY, MO 64106
* $ 9,262,734,000 1 $ 70,000
BNC National Bank

BISMARCK, ND 58501
* $ 861,403,000 1 $ 172,000
Eagle National Bank
8045 WEST CHESTER PIKE
UPPER DARBY, PA 19082
* $ 258,044,000 1 $ 213,000
First Independent Capital Inc
602 GRAND AVENUE
CHICKASHA, OK 73018
* $ 224,457,000 1 $ 226,000
First American Bank
324 W MAIN
PURCELL, OK 73080
* $ 289,265,000 1 $ 111,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,824,244,000 1 $ 118,000
Bank7
1039 N.W. 63RD ST
OKLAHOMA CITY, OK 73116
* $ 107,630,000 1 $ 37,000
Bank of Commerce
PO BOX 29
CHELSEA, OK 74016
* $ 160,637,000 1 $ 560,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 1 $ 79,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 2,019,127,000 1 $ 192,000
Bank of Arizona
P. O. BOX 2300
TULSA, OK 74102
* $ 255,067,000 1 $ 113,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 941,902,000 1 $ 60,000
Affiliated Mortgage Company
1301 HUDSON LANE
MONROE, LA 71201
* $ 212,423,000 1 $ 94,000
Community First Bank
3725 OLD COURT ROAD
BALTIMORE, MD 21208
* $ 62,318,000 1 $ 37,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 479,176,000 1 $ 95,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 69,166,325,000 1 $ 49,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 185,098,787,000 1 $ 43,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 279,777,049,000 1 $ 95,000
Spiritbank
1800 S BALTIMORE AVE STE 600
TULSA, OK 74119
* $ 1,265,063,000 1 $ 196,000
Lead Bank
200 N 3RD ST
GARDEN CITY, MO 64747
* $ 98,033,000 1 $ 182,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 137,341,000 1 $ 10,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 1,297,354,000 1 $ 45,000
Allegiance Federal Credit Union
4235 N MERIDIAN AVE
OKLAHOMA CITY, OK 73112
* $ 181,446,000 1 $ 100,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 47,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,677,931,000 1 $ 44,000
US Employees Oc Federal Credit Union
4301 S INTERSTATE 44 SERVICE RD.
OKLAHOMA CITY, OK 73119
* $ 94,690,000 1 $ 35,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 36,000,000,000 1 $ 110,000
American Sterling Bank
535 S STERLING
SUGAR CREEK, MO 64054
* $ 165,774,000 1 $ 115,000
Mwabank
1701 1ST AVENUE
ROCK ISLAND, IL 61201
* $ 208,407,000 1 $ 7,000
Midwest Mortgage Capital, LLC
12400 OLIVE BLVD
SAINT LOUIS, MO 63141
* $ 2,000,000 1 $ 280,000
Assurity Financial Services
6025 SOUTH QUEBEC STREET, #260
ENGLEWOOD, CO 80111
* $ 10,000,000 1 $ 152,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 105,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 105,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 231,000
Mortgage Research Center, LLC
2101 CHAPEL PLAZA COURT SUITE 107
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 145,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 45,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 39,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 183,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 94,000
Bankers Mortgage Corporation
7500 COLLEGE BOULEVARD, SUITE 1150
OVERLAND PARK, KS 66210
* $ 10,000,000 1 $ 212,000
Allied Home Mortgage Corp.
6110 PINEMONT DR., STE. 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 106,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 1 $ 250,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 95,000
Hartford Funding Ltd
2040 OCEAN AVENUE
RONKONKOMA, NY 11779
* $ 10,000,000 1 $ 105,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 70,000
Community Mortgage Funding, LLC
3201 WEST TEMPLE AVE, SUITE 120
POMONA, CA 91768
* $ 500,000,000 1 $ 207,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 258,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 66,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 115,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 39,000

The tables below break down 2009 mortgage applications in Garfield County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Garfield County, OK 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 1,431 $174,367,000 $121,000 $1,931,000 $71,000 $1,175,000
Home Purchase 1,204 $131,401,000 $109,000 $1,800,000 $53,000 $818,000
Home Improvement 414 $10,274,000 $24,000 $550,000 $54,000 $425,000

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 2,265 $231,884,000 $102,000 $1,425,000 $67,000 $1,175,000
Not applicable 370 $45,357,000 $122,000 $1,931,000 $31,000 $500,000
Not Provided 191 $18,856,000 $98,000 $665,000 $57,000 $568,000
Hispanic 104 $8,124,000 $78,000 $336,000 $51,000 $669,000
Black or African American 51 $5,043,000 $98,000 $270,000 $56,000 $148,000
American Indian or Alaskan Native 45 $3,947,000 $87,000 $218,000 $59,000 $138,000
Asian 19 $2,143,000 $112,000 $417,000 $68,000 $328,000
Native Hawaiian or Other Pacific Islander 4 $688,000 $172,000 $261,000 $174,000 $390,000

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) 1,905 $191,265,000 $100,000 $1,931,000 $71,000 $1,175,000
FHA-insured (Federal Housing Administration) 886 $87,247,000 $98,000 $275,000 $47,000 $818,000
VA-guaranteed (Veterans Administration) 229 $34,241,000 $149,000 $347,000 $41,000 $144,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,289,000 $113,000 $306,000 $22,000 $75,000

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 1,444 $149,087,000 $103,000 $1,931,000 $67,000 $1,013,000
Loan Purchased By The Institution 623 $74,876,000 $120,000 $417,000 $44,000 $500,000
Application Denied By Financial Institution 535 $42,699,000 $79,000 $1,800,000 $57,000 $1,175,000
Application Withdrawn By Applicant 268 $30,699,000 $114,000 $581,000 $72,000 $700,000
Application Approved But Not Accepted 132 $13,005,000 $98,000 $417,000 $71,000 $189,000
File Closed For Incompleteness 43 $5,358,000 $124,000 $665,000 $71,000 $264,000
Preapproval Denied by Financial Institution 4 $318,000 $79,000 $200,000 $61,000 $148,000
Preapproval Approved but not Accepted 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
Credit History 160 $9,555,000 $59,000 $480,000 $54,000 $425,000
Collateral 90 $8,718,000 $96,000 $450,000 $66,000 $400,000
Debt-To-Income Ratio 50 $4,563,000 $91,000 $417,000 $50,000 $148,000
Other 15 $1,464,000 $97,000 $417,000 $72,000 $250,000
Credit Application Incomplete 11 $899,000 $81,000 $188,000 $54,000 $112,000
Unverifiable Information 6 $417,000 $69,000 $190,000 $56,000 $157,000
Insufficient Cash (Downpayment, Closing Cost) 6 $879,000 $146,000 $258,000 $255,000 $1,175,000
Mortgage Insurance Denied 4 $1,069,000 $267,000 $368,000 $96,000 $183,000
Employment History 4 $295,000 $73,000 $108,000 $43,000 $59,000

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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