Gillespie County, TX Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 710 mortgage applications in Gillespie County, TX totaling $129.5 million, down 25% from 2013. The average application was for $182,000, and applicants reported an average income of $100,000. 43% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 69 applications, followed by Security State Bank & Trust and Guardian Mortgage Company, 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 710
Total Mortgage Loan Application Amount $129,486,000
Average Mortgage Loan Application Amount $182,000
Highest Mortgage Loan Application Amount $1,477,000
Average Applicant Income $100,000
Highest Applicant Income $1,078,000

Mortgage Company List for Lending in Gillespie County, TX for 2014

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 69 $ 13,023,000
Security State Bank & Trust
201 WEST MAIN STREET
FREDERICKSBURG, TX 78624
* $ 741,492,000 62 $ 8,656,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 54 $ 9,994,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 48 $ 3,633,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 25 $ 5,127,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 20 $ 4,147,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 20 $ 2,987,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 5,717,040,000 20 $ 2,510,000
American Bank of Texas
PO BOX 1234
SHERMAN, TX 75091
* $ 2,082,318,000 16 $ 2,847,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 15 $ 2,877,000
Centennial Bank
904 AVE. O
LUBBOCK, TX 79401
* $ 718,310,000 15 $ 2,437,000
Captex Bank, National Association
PO BOX 4
TRENTON, TX 75490
* $ 152,303,000 12 $ 2,939,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 10 $ 1,057,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 9 $ 1,429,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 9 $ 1,895,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 8 $ 1,493,000
The Blanco National Bank
P O BOX 38
BLANCO, TX 78606
* $ 156,934,000 7 $ 1,447,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,184,373,000 7 $ 1,777,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 7 $ 1,187,000
Txl Mortgage Corporation
11931 WICKCHESTER LN STE 444
HOUSTON, TX 77043
* $ 100,000,000 7 $ 1,890,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 7 $ 461,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 6 $ 1,286,000
Broadway National Bank
1177 NE LOOP 410
SAN ANTONIO, TX 78209
* $ 2,890,779,000 6 $ 1,388,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 829,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 6 $ 813,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 7,679,605,000 6 $ 642,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 6 $ 1,951,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 634,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 5 $ 1,098,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 938,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 13,294,766,000 4 $ 938,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 1,233,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 71,737,435,000 4 $ 428,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 1,486,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 4 $ 1,534,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 4 $ 780,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 4 $ 378,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 4 $ 528,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 676,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 3 $ 413,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 3 $ 315,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 579,000
Gardner Financial Services, Ltd.
3503 PAESANOS PKWY
SAN ANTONIO, TX 78231
* $ 81,392,000 3 $ 606,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 466,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 3 $ 785,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 3 $ 902,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 3 $ 718,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 3 $ 547,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 3 $ 599,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 2 $ 566,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 2 $ 779,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 2 $ 327,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 2 $ 343,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 18,638,685,000 2 $ 458,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 2 $ 70,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 326,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 2 $ 270,000
Firstmark Credit Union
2023 GOLD CANYON DR.
SAN ANTONIO, TX 78232
* $ 816,933,000 2 $ 180,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 589,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 2 $ 259,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 400,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 2 $ 604,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 669,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 2 $ 462,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,884,304,000 2 $ 169,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 0 2 $ 188,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 456,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 346,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 2 $ 448,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 2 $ 288,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 2 $ 369,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 675,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 470,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 2 $ 306,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 232,000
Integrity Mortgage Corporation of Texas
5 HORIZON CT
HEATH, TX 75032
* $ 7,939,000 1 $ 316,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 96,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 131,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 181,000
Patriot Bank Mortgage
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 511,822,000 1 $ 180,000
Community Bank & Trust
1800 WASHINGTON AVE
WACO, TX 76701
* $ 399,275,000 1 $ 176,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 1 $ 12,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 231,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 106,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 217,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 368,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 224,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 133,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 151,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 1 $ 60,000
R Bank
3600 E PALM VALLEY BLVD
ROUND ROCK, TX 78665
* $ 262,376,000 1 $ 1,286,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 1 $ 335,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 846,686,000 1 $ 221,000
Inwood National Bank
7621 INWOOD RD
DALLAS, TX 75209
* $ 1,562,275,000 1 $ 417,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 75,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 131,000
The Hondo National Bank
1112 18TH STREET
HONDO, TX 78861
* $ 201,382,000 1 $ 353,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ 10,000,000 1 $ 382,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 1 $ 219,000
Rmc Vanguard
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 20,000,000 1 $ 215,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 163,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 134,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 190,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 65,201,888,000 1 $ 236,000
Shareplus Bank
5224 W PLANO PARKWAY
PLANO, TX 75093
* $ 303,563,000 1 $ 176,000
Amplify Federal Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ 646,611,000 1 $ 20,000
1st Community Federal Credit Union
3505 WILDEWOOD DRIVE
SAN ANGELO, TX 76904
* $ 206,286,000 1 $ 125,000
United Heritage Credit Union
12208 N MOPAC EXPY
AUSTIN, TX 78759
* $ 765,123,000 1 $ 191,000
Priority Bank
3401 E MISSION BLVD
FAYETTEVILLE, AR 72703
* $ 84,551,000 1 $ 231,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 1 $ 103,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 409,634,000 1 $ 216,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 243,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 308,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 208,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ 9,102,000 1 $ 115,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 277,561,000 1 $ 339,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 6,437,850,000 1 $ 113,000
The First National Bank of Bas
489 HIGHWAY 71 WEST (PO DRAWER F)
BASTROP, TX 78602
* $ 422,923,000 1 $ 96,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 5,194,987,000 1 $ 224,000
The First National Bank of Sonora
5710 SHERWOOD WAY
SONORA, TX 76950
* $ 339,642,000 1 $ 104,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 192,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 1,673,431,000 1 $ 107,000
First State Bank Central Texas
P. O. BOX 6136
TEMPLE, TX 76503
* $ 1,313,153,000 1 $ 250,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 101,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 2,162,074,000 1 $ 168,000
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ 420,512,000 1 $ 350,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 128,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,037,879,000 1 $ 187,000
The Roscoe State Bank
PO BOX 609
ROSCOE, TX 79545
* $ 157,652,000 1 $ 180,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 1 $ 252,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,158,336,000 1 $ 366,000
Amegy Bank of Texas, NA
4400 POST OAK PKWY, 6TH FLOOR
HOUSTON, TX 77027
* $ 13,620,071,000 1 $ 320,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 24,372,376,000 1 $ 125,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 13,294,766,000 1 $ 1,477,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 1 $ 165,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 1 $ 154,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 99,877,000,000 1 $ 348,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 45,602,567,000 1 $ 575,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 1 $ 200,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 22,971,000,000 1 $ 294,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 118,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 185,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 131,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 250,000
Sente Mortgage, Inc.
4520 BURNET ROAD
AUSTIN, TX 78756
* $ 1,000,000,000 1 $ 252,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 184,000

The tables below break down 2014 mortgage applications in Gillespie 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 Gillespie County, TX in 2014

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 377 $69,609,000 $184,000 $1,477,000 $109,000 $1,078,000
Refinancing 276 $55,088,000 $199,000 $793,000 $91,000 $705,000
Home Improvement 57 $4,789,000 $84,000 $417,000 $92,000 $298,000

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 508 $97,602,000 $192,000 $1,477,000 $110,000 $1,078,000
Hispanic 94 $11,181,000 $118,000 $363,000 $62,000 $350,000
Not Provided 68 $13,452,000 $197,000 $724,000 $112,000 $486,000
Not applicable 31 $5,532,000 $178,000 $417,000 $20,000 $162,000
American Indian or Alaskan Native 5 $793,000 $158,000 $294,000 $69,000 $135,000
Asian 4 $926,000 $231,000 $297,000 $186,000 $285,000
Black or African American 0 $0 $0 $0 $0 $0
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) 615 $111,481,000 $181,000 $1,477,000 $106,000 $1,078,000
FHA-insured (Federal Housing Administration) 53 $8,516,000 $160,000 $256,000 $59,000 $176,000
VA-guaranteed (Veterans Administration) 35 $8,359,000 $238,000 $382,000 $62,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,130,000 $161,000 $189,000 $59,000 $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 308 $59,567,000 $193,000 $1,286,000 $116,000 $1,078,000
Application Denied By Financial Institution 140 $20,261,000 $144,000 $793,000 $87,000 $705,000
Loan Purchased By The Institution 112 $22,145,000 $197,000 $417,000 $87,000 $607,000
Application Withdrawn By Applicant 67 $13,461,000 $200,000 $580,000 $102,000 $486,000
Application Approved But Not Accepted 64 $11,267,000 $176,000 $1,477,000 $82,000 $515,000
File Closed For Incompleteness 19 $2,785,000 $146,000 $252,000 $87,000 $333,000
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
Debt-To-Income Ratio 25 $4,146,000 $165,000 $456,000 $81,000 $624,000
Credit History 24 $2,248,000 $93,000 $355,000 $90,000 $421,000
Collateral 16 $3,592,000 $224,000 $717,000 $142,000 $705,000
Other 11 $791,000 $71,000 $168,000 $70,000 $179,000
Credit Application Incomplete 10 $1,698,000 $169,000 $260,000 $110,000 $191,000
Unverifiable Information 4 $522,000 $130,000 $242,000 $98,000 $183,000
Employment History 1 $131,000 $131,000 $131,000 $33,000 $33,000
Insufficient Cash (Downpayment, Closing Cost) 1 $724,000 $724,000 $724,000 $240,000 $240,000
Mortgage Insurance Denied 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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