Gooding County, ID Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,079 mortgage applications in Gooding County, ID totaling $250.8 million, up 22% from 2020. The average application was for $232,000, and applicants reported an average income of $77,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was Idaho Central Credit Union, with 130 applications, followed by First Federal Savings Bank and Premier Mortgage Resources, LLC.
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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 | 1,079 |
| Total Mortgage Loan Application Amount | $250,765,000 |
| Average Mortgage Loan Application Amount | $232,000 |
| Highest Mortgage Loan Application Amount | $50,005,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $1,105,000 |
* 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 |
|---|---|---|---|---|
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 5,070,732,000 | 130 | $ 22,000,000 |
| First Federal Savings Bank 303 SHOSHONE ST N TWIN FALLS, ID 83303 |
* | $ 705,774,000 | 102 | $ 21,690,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 82 | $ 15,330,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 64 | $ 10,230,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 53 | $ 9,005,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 34 | $ 7,530,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 34 | $ 6,200,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 23 | $ 3,395,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 23 | $ 3,535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 5,035,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 9,348,808,000 | 22 | $ 2,510,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 69,171,552,000 | 21 | $ 52,735,000 |
| Pioneer Federal Credit Union 250 SOUTH 3RD WEST MOUNTAIN HOME, ID 83647 |
* | $ 489,762,000 | 20 | $ 2,960,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 17 | $ 3,445,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 14 | $ 2,130,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 1,793,987,000 | 14 | $ 2,100,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 13 | $ 2,765,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 12 | $ 1,980,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 2,330,000 |
| Columbia State Bank 1301 A STREET TACOMA, WA 98402 |
* | $ 14,071,995,000 | 12 | $ 2,510,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 11 | $ 2,045,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 11 | $ 2,465,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 11 | $ 1,975,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 2,180,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 9 | $ 1,695,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 1,595,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 16,420,261,000 | 9 | $ 1,345,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 8 | $ 670,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 8 | $ 1,390,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 1,560,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 7 | $ 1,375,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,245,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 6 | $ 950,000 |
| Westmark Credit Union PO BOX 2869 IDAHO FALLS, ID 83404 |
* | $ 869,311,000 | 6 | $ 740,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ 783,074,000 | 6 | $ 640,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 5 | $ 885,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 5 | $ 1,215,000 |
| Mortgage Management Consultants, Inc. 1008 W. AVENUE M-4, STE. H PALMDALE, CA 93551 |
* | $ -1,000 | 5 | $ 805,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 268,938,000 | 5 | $ 945,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,125,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 5 | $ 805,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 710,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 950,000 |
| Farmers Bank 890 SHOSHONE ST E TWIN FALLS, ID 83301 |
* | $ 471,264,000 | 4 | $ 370,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 4 | $ 3,070,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 450,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 3 | $ 585,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ -1,000 | 3 | $ 825,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 535,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 645,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 765,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 685,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 3 | $ 785,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 405,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 555,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 715,000 |
| Idaho First Bank 475 E DEINHARD LANE MCCALL, ID 83638 |
* | $ 220,077,000 | 2 | $ 520,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 690,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 350,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 22,178,675,000 | 2 | $ 170,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 260,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 430,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 650,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 300,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 530,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 350,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 870,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 500,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 80,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 2 | $ 1,090,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 2 | $ 420,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,877,075,000 | 2 | $ 260,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 175,000 |
| Pacific Residential Mortgage, LLC 4949 MEADOWS ROAD SUITE 350 LAKE OSWEGO, OR 97035 |
* | $ -1,000 | 1 | $ 255,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 225,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 525,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 395,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 1 | $ 225,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 325,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 115,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 13,673,038,000 | 1 | $ 345,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 255,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 625,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 265,000 |
| Accelerate Mortgage, LLC 750 PRIDES CROSSING #303 NEWARK, DE 19713 |
* | $ -1,000 | 1 | $ 205,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 345,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 55,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 1 | $ 365,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,121,213,000 | 1 | $ 265,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 225,000 |
| Vision One Mortgage, Inc. 13821 NEWPORT AVE. STE 110 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 185,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 13,110,529,000 | 1 | $ 145,000 |
| Frontier Credit Union 865 S WOODRUFF AVE IDAHO FALLS, ID 83401 |
* | $ 309,622,000 | 1 | $ 245,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 355,000 |
| Loanleaders of America, Inc 38 EXECUTIVE PARK, SUITE 260 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 215,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 195,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 185,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 1,712,897,000 | 1 | $ 215,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 145,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 165,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 155,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 205,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 275,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 135,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 515,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 175,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 1 | $ 105,000 |
| Valley West Corporation 8010 W SAHARA AVE SUITE #140 LAS VEGAS, NV 89117 |
* | $ -1,000 | 1 | $ 265,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 295,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 185,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 28,816,687,000 | 1 | $ 205,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 225,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 105,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 215,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 215,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 1 | $ 115,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 841,254,000 | 1 | $ 25,000 |
The tables below break down 2021 mortgage applications in Gooding County, ID by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Gooding County, ID 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 | 394 | $85,390,000 | $216,000 | $2,625,000 | $77,000 | $540,000 |
| Refinancing | 290 | $50,440,000 | $173,000 | $585,000 | $78,000 | $446,000 |
| Cash-out Refinancing | 287 | $55,285,000 | $192,000 | $635,000 | $75,000 | $295,000 |
| Home Improvement | 72 | $6,550,000 | $90,000 | $545,000 | $90,000 | $1,105,000 |
| Other Purpose | 34 | $52,890,000 | $1,555,000 | $50,005,000 | $71,000 | $171,000 |
| Not Applicable | 2 | $210,000 | $105,000 | $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 | 762 | $142,940,000 | $187,000 | $2,625,000 | $79,000 | $1,105,000 |
| Hispanic | 137 | $70,425,000 | $514,000 | $50,005,000 | $66,000 | $540,000 |
| Not Provided | 111 | $22,705,000 | $204,000 | $545,000 | $78,000 | $356,000 |
| Not applicable | 54 | $12,600,000 | $233,000 | $625,000 | $0 | $0 |
| American Indian or Alaskan Native | 10 | $1,530,000 | $153,000 | $545,000 | $53,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $230,000 | $115,000 | $185,000 | $139,000 | $198,000 |
| Black or African American | 2 | $270,000 | $135,000 | $145,000 | $95,000 | $103,000 |
| Asian | 1 | $65,000 | $65,000 | $65,000 | $186,000 | $186,000 |
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) | 828 | $195,880,000 | $236,000 | $50,005,000 | $81,000 | $1,105,000 |
| FHA-insured (Federal Housing Administration) | 119 | $23,655,000 | $198,000 | $435,000 | $58,000 | $141,000 |
| VA-guaranteed (Veterans Administration) | 111 | $27,465,000 | $247,000 | $625,000 | $66,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,765,000 | $179,000 | $325,000 | $61,000 | $90,000 |
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 | 641 | $120,825,000 | $188,000 | $625,000 | $79,000 | $467,000 |
| Application Denied By Financial Institution | 121 | $68,305,000 | $564,000 | $50,005,000 | $65,000 | $232,000 |
| Application Withdrawn By Applicant | 115 | $23,685,000 | $205,000 | $2,625,000 | $86,000 | $1,105,000 |
| Application Approved But Not Accepted | 71 | $12,495,000 | $175,000 | $615,000 | $78,000 | $186,000 |
| File Closed For Incompleteness | 69 | $11,955,000 | $173,000 | $1,005,000 | $69,000 | $256,000 |
| Loan Purchased By The Institution | 60 | $12,980,000 | $216,000 | $625,000 | $69,000 | $130,000 |
| Preapproval Approved but not Accepted | 1 | $405,000 | $405,000 | $405,000 | $83,000 | $83,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $141,000 | $141,000 |
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 | 956 | $182,070,000 | $190,000 | $2,625,000 | $79,000 | $1,105,000 |
| Credit History | 32 | $4,150,000 | $129,000 | $525,000 | $68,000 | $162,000 |
| Debt-To-Income Ratio | 31 | $54,775,000 | $1,766,000 | $50,005,000 | $48,000 | $171,000 |
| Collateral | 29 | $4,065,000 | $140,000 | $405,000 | $84,000 | $216,000 |
| Credit Application Incomplete | 9 | $2,035,000 | $226,000 | $545,000 | $66,000 | $232,000 |
| Other | 9 | $1,435,000 | $159,000 | $405,000 | $66,000 | $141,000 |
| Unverifiable Information | 5 | $795,000 | $159,000 | $205,000 | $80,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,155,000 | $231,000 | $315,000 | $60,000 | $78,000 |
| Employment History | 3 | $285,000 | $95,000 | $145,000 | $19,000 | $20,000 |
| 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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