Garvin County, OK Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 973 mortgage applications in Garvin County, OK totaling $143.7 million, up 18% from 2020. The average application was for $147,000, and applicants reported an average income of $82,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was First United Bank and Trust Company, with 100 applications, followed by Gateway First Bank and Chickasaw Community 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 973
Total Mortgage Loan Application Amount $143,725,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $865,000
Average Applicant Income $82,000
Highest Applicant Income $2,100,000

Mortgage Company List for Lending in Garvin County, OK for 2021

* 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
* $ 8,090,901,000 100 $ 14,650,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 66 $ 9,670,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 198,963,000 42 $ 5,350,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 38 $ 3,660,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 35 $ 4,585,000
Vision Bank
PO BOX 669
ADA, OK 74820
* $ 690,210,000 26 $ 5,190,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 23 $ 3,975,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 21 $ 3,215,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 21 $ 2,585,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 19 $ 3,405,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 19 $ 2,805,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 17 $ 2,035,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 16 $ 2,560,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 15 $ 1,545,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 2,705,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 1,780,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 7,724,832,000 13 $ 895,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 13 $ 1,115,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 2,385,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 13 $ 2,485,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 12 $ 2,030,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 12 $ 1,230,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 11 $ 905,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 11 $ 2,165,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 1,775,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 915,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 4,228,679,000 10 $ 1,000,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 9 $ 1,755,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 8 $ 1,140,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ -1,000 8 $ 1,200,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 814,382,000 8 $ 1,050,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 8 $ 1,800,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 7 $ 975,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 699,498,000 7 $ 1,005,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,155,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 1,340,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 1,220,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 530,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 555,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 5 $ 385,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 365,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 4 $ 620,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 480,916,000 4 $ 710,000
First Bank and Trust Co
PO BOX 580
DUNCAN, OK 73533
* $ 560,434,000 4 $ 1,870,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 610,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 4 $ 370,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 1,020,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 940,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 830,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 4 $ 540,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 3 $ 175,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 575,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 554,267,000 3 $ 145,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 1,309,884,000 3 $ 145,000
Oklahoma Educators Credit Union
4001 NW EXPRESSWAY
OKLAHOMA CITY, OK 73116
* $ 166,993,000 3 $ 365,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 3 $ 645,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 645,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 3 $ 275,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 1,710,266,000 3 $ 225,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 395,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 695,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 3 $ 745,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 3 $ 485,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 3 $ 445,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 875,000
First American Mortgage, Inc.
1501 S. RANCHWOOD BLVD.
YUKON, OK 73099
* $ -1,000 2 $ 400,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 2 $ 440,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ -1,000 2 $ 370,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 160,000
Financial Concpepts Mortgage
2949 S BRYANT
EDMOND, OK 73013
* $ -1,000 2 $ 230,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 570,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ -1,000 2 $ 250,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 2 $ 400,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 660,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 510,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 280,000
First Liberty Bank
9601 N MAY AVE
OKLAHOMA CITY, OK 73120
* $ 435,574,000 2 $ 210,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 360,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 2 $ 700,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 380,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 2 $ 330,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 260,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 360,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 610,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 360,000
American Nation Bank
1901 N COMMERCE STREET
ARDMORE, OK 73401
* $ 445,868,000 2 $ 210,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 394,658,000 2 $ 700,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 180,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 680,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 190,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 210,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 105,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 32,184,416,000 1 $ 155,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 205,000
All America Bank
444 WEST STATE HIGHWAY 152
MUSTANG, OK 73064
* $ 467,458,000 1 $ 105,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 27,665,771,000 1 $ 85,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 85,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 235,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 185,000
First Fidelity Bank
5100 N CLASSEN BLVD SUITE 500
OKLAHOMA CITY, OK 73118
* $ 1,797,163,000 1 $ 25,000
Armstrong Bank
1111 W BROADWAY
MUSKOGEE, OK 74401
* $ 989,917,000 1 $ 385,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 115,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 275,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 1 $ 145,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 275,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 1 $ 85,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 155,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 95,000
Liberty National Bank
629 SW C AVE
LAWTON, OK 73501
* $ 596,367,000 1 $ 55,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 215,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 3,235,138,000 1 $ 335,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 135,000
Allegiance Federal Credit Union
4235 N MERIDIAN AVE
OKLAHOMA CITY, OK 73112
* $ 283,872,000 1 $ 115,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 383,892,000 1 $ 85,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 75,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 796,073,000 1 $ 65,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 1 $ 75,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 75,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,165,396,000 1 $ 85,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 185,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 1 $ 65,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 55,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 8,724,864,000 1 $ 85,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 83,036,000,000 1 $ 145,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 195,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 155,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 295,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 1 $ 125,000
Mtc Federal Credit Union
PO BOX 1944
GREENVILLE, SC 29607
* $ 196,454,000 1 $ 255,000
Security National Bank
201 WEST BROADWAY
ENID, OK 73703
* $ 324,599,000 1 $ 175,000
Fnb & Trust of Ardmore
405 WEST MAIN
ARDMORE, OK 73401
* $ 510,897,000 1 $ 45,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 95,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 185,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 225,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 135,000
American Bank of Oklahoma
200 E MAIN, P.O. BOX 66
COLLINSVILLE, OK 74021
* $ 323,127,000 1 $ 135,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 1 $ 245,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 155,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 580,520,000 1 $ 225,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 1 $ 295,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 205,000

The tables below break down 2021 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 2021

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 515 $75,835,000 $147,000 $865,000 $79,000 $1,440,000
Refinancing 224 $37,080,000 $165,000 $515,000 $86,000 $446,000
Cash-out Refinancing 176 $26,680,000 $151,000 $555,000 $77,000 $704,000
Home Improvement 29 $1,675,000 $57,000 $155,000 $78,000 $287,000
Other Purpose 20 $1,910,000 $95,000 $525,000 $185,000 $2,100,000
Not Applicable 9 $545,000 $60,000 $105,000 $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 586 $89,380,000 $152,000 $865,000 $79,000 $1,305,000
Not applicable 112 $15,210,000 $135,000 $405,000 $113,000 $113,000
American Indian or Alaskan Native 102 $13,300,000 $130,000 $375,000 $69,000 $221,000
Not Provided 99 $14,825,000 $149,000 $555,000 $111,000 $2,100,000
Hispanic 48 $6,390,000 $133,000 $375,000 $58,000 $141,000
Black or African American 15 $2,175,000 $145,000 $305,000 $207,000 $1,440,000
Asian 8 $2,180,000 $272,000 $405,000 $66,000 $82,000
Native Hawaiian or Other Pacific Islander 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) 591 $88,095,000 $149,000 $865,000 $93,000 $2,100,000
FHA-insured (Federal Housing Administration) 192 $25,080,000 $130,000 $365,000 $56,000 $221,000
VA-guaranteed (Veterans Administration) 132 $24,020,000 $181,000 $435,000 $68,000 $210,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 58 $6,530,000 $112,000 $275,000 $45,000 $80,000

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 485 $74,215,000 $153,000 $805,000 $77,000 $605,000
Application Denied By Financial Institution 153 $21,715,000 $141,000 $865,000 $99,000 $2,100,000
Application Withdrawn By Applicant 115 $16,725,000 $145,000 $525,000 $81,000 $312,000
Loan Purchased By The Institution 115 $17,025,000 $148,000 $505,000 $74,000 $242,000
File Closed For Incompleteness 58 $7,810,000 $134,000 $295,000 $68,000 $265,000
Application Approved But Not Accepted 47 $6,235,000 $132,000 $305,000 $100,000 $1,305,000
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 812 $120,950,000 $148,000 $805,000 $78,000 $1,305,000
Credit History 59 $6,855,000 $116,000 $555,000 $144,000 $2,100,000
Debt-To-Income Ratio 42 $7,350,000 $175,000 $865,000 $71,000 $296,000
Collateral 18 $2,180,000 $121,000 $525,000 $78,000 $287,000
Credit Application Incomplete 15 $2,155,000 $143,000 $335,000 $73,000 $213,000
Other 14 $2,160,000 $154,000 $435,000 $62,000 $127,000
Unverifiable Information 5 $1,125,000 $225,000 $505,000 $60,000 $108,000
Insufficient Cash (Downpayment, Closing Cost) 5 $685,000 $137,000 $205,000 $67,000 $112,000
Employment History 2 $170,000 $85,000 $105,000 $99,000 $140,000
Mortgage Insurance Denied 1 $95,000 $95,000 $95,000 $60,000 $60,000

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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