Garvin County, OK Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 706 mortgage applications in Garvin County, OK totaling $83.4 million, up 4% from 2018. The average application was for $118,000, and applicants reported an average income of $73,000. 46% of applications resulted in an originated loan and 18% were denied. The most active lender was First United Bank and Trust Company, with 93 applications, followed by 21st Mortgage and Gateway First 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 | 706 |
| Total Mortgage Loan Application Amount | $83,370,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $865,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,226,000 |
* 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 |
|---|---|---|---|---|
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 7,010,234,000 | 93 | $ 9,125,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 45 | $ 3,345,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 25 | $ 2,965,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 24 | $ 4,100,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 22 | $ 1,810,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 21 | $ 2,775,000 |
| Landmark Bank PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 3,131,689,000 | 19 | $ 1,775,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 652,958,000 | 15 | $ 2,385,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 15 | $ 2,365,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 14 | $ 1,750,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 13 | $ 1,225,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 12 | $ 850,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 12 | $ 1,530,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 1,770,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 11 | $ 565,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 11 | $ 1,195,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,874,356,000 | 11 | $ 855,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 11 | $ 1,675,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 10 | $ 1,270,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 10 | $ 1,170,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 10 | $ 1,570,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 7,555,421,000 | 10 | $ 600,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 10 | $ 1,280,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 769,862,000 | 10 | $ 1,400,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 1,735,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 795,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 7 | $ 415,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 6 | $ 510,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 6 | $ 760,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 8,469,038,000 | 6 | $ 640,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 6 | $ 360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 5 | $ 575,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 5 | $ 815,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 5 | $ 465,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 435,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 785,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 1,103,083,000 | 4 | $ 250,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 620,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 4 | $ 210,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 610,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 440,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 480,000 |
| First Bank and Trust Co PO BOX 580 DUNCAN, OK 73533 |
* | $ 585,397,000 | 4 | $ 530,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,227,535,000 | 4 | $ 370,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 615,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 645,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 45,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ -1,000 | 3 | $ 435,000 |
| Quail Creek Bank, National Association 12201 N. MAY AVENUE OKLAHOMA CITY, OK 73120 |
* | $ 688,425,000 | 3 | $ 1,215,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 355,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 626,505,000 | 3 | $ 225,000 |
| US Employees Oc Federal Credit Union 4301 S INTERSTATE 44 SERVICE RD. OKLAHOMA CITY, OK 73119 |
* | $ 169,954,000 | 3 | $ 195,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 2 | $ 360,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 2 | $ 120,000 |
| Legacy Bank 101 W MAIN HINTON, OK 73047 |
* | $ 463,292,000 | 2 | $ 130,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 2 | $ 390,000 |
| Bank of Commerce 1601 W COMMERCE DUNCAN, OK 73533 |
* | $ 318,932,000 | 2 | $ 360,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 2 | $ 690,000 |
| First Fidelity Bank 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 1,658,160,000 | 2 | $ 220,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 430,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 160,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 2 | $ 630,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 7,347,510,000 | 2 | $ 110,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 2 | $ 160,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 370,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 250,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ -1,000 | 2 | $ 140,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 2 | $ 170,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 2 | $ 460,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 310,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 250,000 |
| The Focus Federal Credit Union 420 NE 10TH ST OKLAHOMA CITY, OK 73104 |
* | $ 113,050,000 | 2 | $ 30,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 280,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 240,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 130,000 |
| Axiom Bank, N.A. 258 SOUTHHALL LN SUITE 400 MAITLAND, FL 32751 |
* | $ 631,518,000 | 1 | $ 125,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,465,224,000 | 1 | $ 345,000 |
| U.S. Eagle Federal Credit Union 5201 ANTEQUERA NW ALBUQUERQUE, NM 87120 |
* | $ 1,036,504,000 | 1 | $ 55,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 55,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 65,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 1 | $ 105,000 |
| Great Southern Bank P O BOX 1271 MERIDIAN, MS 39301 |
* | $ 294,138,000 | 1 | $ 75,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 75,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 105,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 145,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 85,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 335,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 1 | $ 205,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 115,000 |
| Gardner Financial Services, Ltd. 3503 PAESANOS PKWY SAN ANTONIO, TX 78231 |
* | $ -1,000 | 1 | $ 135,000 |
| Municipal Employees Credit Union 101 N WALKER AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 153,464,000 | 1 | $ 125,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 275,000 |
| Cwm Partners, LP dba Citywide Mortgage 9400 S I 35 SERVICE ROAD OKLAHOMA CITY, OK 73160 |
* | $ -1,000 | 1 | $ 105,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,855,606,000 | 1 | $ 85,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 145,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 325,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 25,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,791,677,000 | 1 | $ 55,000 |
| Financial Concpepts Mortgage 2949 S BRYANT EDMOND, OK 73013 |
* | $ -1,000 | 1 | $ 115,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,761,374,000 | 1 | $ 135,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 1 | $ 115,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 45,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,689,286,000 | 1 | $ 305,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 175,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 95,000 |
| First National Bank and Trust Company of Ardmore 405 WEST MAIN ARDMORE, OK 73401 |
* | $ 510,897,000 | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 145,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 105,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,269,890,000 | 1 | $ 85,000 |
| Valliance Bank 1601 NORTHWEST EXPRESSWAY OKLAHOMA CITY, OK 73118 |
* | $ 421,968,000 | 1 | $ 865,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 145,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 1 | $ 365,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ -1,000 | 1 | $ 145,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 165,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 738,388,000 | 1 | $ 105,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 115,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 95,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 476,111,000 | 1 | $ 115,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 1 | $ 125,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ -1,000 | 1 | $ 325,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 555,744,000 | 1 | $ 115,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 144,960,000 | 1 | $ 365,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 16,518,217,000 | 1 | $ 235,000 |
| Happy State Bank 701 S TAYLOR, LB 120 AMARILLO, TX 79101 |
* | $ 3,444,514,000 | 1 | $ 65,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 949,720,000 | 1 | $ 245,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 115,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 145,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 235,000 |
The tables below break down 2019 mortgage applications in Garvin 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 Garvin County, OK 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 | 395 | $49,635,000 | $125,000 | $865,000 | $73,000 | $1,226,000 |
| Refinancing | 124 | $17,010,000 | $137,000 | $335,000 | $86,000 | $855,000 |
| Cash-out Refinancing | 99 | $11,715,000 | $118,000 | $365,000 | $71,000 | $218,000 |
| Other Purpose | 37 | $1,935,000 | $52,000 | $165,000 | $58,000 | $438,000 |
| Home Improvement | 34 | $1,630,000 | $47,000 | $175,000 | $48,000 | $163,000 |
| Not Applicable | 17 | $1,445,000 | $85,000 | $145,000 | $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 | $54,385,000 | $117,000 | $455,000 | $75,000 | $1,226,000 |
| Not applicable | 85 | $11,155,000 | $131,000 | $395,000 | $80,000 | $218,000 |
| American Indian or Alaskan Native | 55 | $6,155,000 | $111,000 | $865,000 | $80,000 | $601,000 |
| Not Provided | 54 | $6,330,000 | $117,000 | $325,000 | $63,000 | $320,000 |
| Hispanic | 36 | $3,050,000 | $84,000 | $305,000 | $53,000 | $154,000 |
| Black or African American | 7 | $625,000 | $89,000 | $205,000 | $50,000 | $94,000 |
| Asian | 3 | $1,215,000 | $405,000 | $505,000 | $142,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $220,000 | $110,000 | $185,000 | $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) | 414 | $45,460,000 | $109,000 | $865,000 | $81,000 | $1,226,000 |
| FHA-insured (Federal Housing Administration) | 165 | $20,025,000 | $121,000 | $325,000 | $62,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 88 | $13,260,000 | $150,000 | $435,000 | $61,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,625,000 | $118,000 | $215,000 | $48,000 | $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 | 325 | $40,005,000 | $123,000 | $865,000 | $74,000 | $1,226,000 |
| Application Denied By Financial Institution | 130 | $11,570,000 | $89,000 | $375,000 | $67,000 | $438,000 |
| Application Withdrawn By Applicant | 90 | $12,520,000 | $139,000 | $325,000 | $75,000 | $320,000 |
| Loan Purchased By The Institution | 86 | $11,680,000 | $135,000 | $395,000 | $81,000 | $218,000 |
| File Closed For Incompleteness | 47 | $4,935,000 | $105,000 | $315,000 | $70,000 | $241,000 |
| Application Approved But Not Accepted | 27 | $2,535,000 | $93,000 | $335,000 | $72,000 | $270,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $62,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 557 | $68,715,000 | $123,000 | $865,000 | $74,000 | $1,226,000 |
| Credit History | 51 | $4,275,000 | $83,000 | $375,000 | $69,000 | $175,000 |
| Debt-To-Income Ratio | 40 | $4,510,000 | $112,000 | $325,000 | $57,000 | $167,000 |
| Collateral | 30 | $2,910,000 | $97,000 | $335,000 | $77,000 | $438,000 |
| Other | 11 | $955,000 | $86,000 | $195,000 | $83,000 | $163,000 |
| Unverifiable Information | 7 | $765,000 | $109,000 | $255,000 | $61,000 | $81,000 |
| Credit Application Incomplete | 5 | $665,000 | $133,000 | $265,000 | $66,000 | $115,000 |
| Employment History | 3 | $365,000 | $121,000 | $145,000 | $56,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $155,000 | $155,000 | $155,000 | $103,000 | $103,000 |
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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