Graham County, AZ Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,677 mortgage applications in Graham County, AZ totaling $383.9 million, up 26% from 2024. The average application was for $228,000, and applicants reported an average income of $247,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Oneaz Credit Union, with 221 applications, followed by Fairway Independent Mort Corp and Nova Financial & Investment Corporation.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,677
Total Mortgage Loan Application Amount $383,865,000
Average Mortgage Loan Application Amount $228,000
Highest Mortgage Loan Application Amount $9,265,000
Average Applicant Income $247,000
Highest Applicant Income $9,452,000

Mortgage Company List for Lending in Graham County, AZ for 2025

* 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
Oneaz Credit Union
2355 W PINNACLE PEAK RD
PHOENIX, AZ 85027
* $ n/a 221 $ 35,185,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 165 $ 37,665,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ n/a 104 $ 26,540,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 94 $ 24,260,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 78 $ 24,320,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 53 $ 15,585,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 51 $ 15,185,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 45 $ 12,695,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 36 $ 10,120,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 35 $ 4,955,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 32 $ 4,380,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 30 $ 9,310,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 30 $ 5,610,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 28 $ 8,860,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 26 $ 2,030,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 23 $ 6,185,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 21 $ 3,425,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 21 $ 3,145,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 20 $ 2,510,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 18 $ 4,910,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 18 $ 12,550,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 17 $ 1,185,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 17 $ 4,515,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 16 $ 3,820,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 14 $ 4,600,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 12 $ 4,070,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 12 $ 1,890,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 12 $ 990,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 2,415,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 10 $ 1,650,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 10 $ 1,760,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 10 $ 770,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 9 $ 1,365,000
Sun American Mortgage Company
4140 E. BASELINE RD., #206
MESA, AZ 85206
* $ n/a 9 $ 2,105,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 9 $ 1,605,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 9 $ 2,385,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 8 $ 2,360,000
Desert Financial Credit Union
148 N. 48TH ST.
PHOENIX, AZ 85034
* $ n/a 8 $ 700,000
American Southwest Credit Union
PO BOX 370
SIERRA VISTA, AZ 85635
* $ n/a 8 $ 1,700,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 7 $ 1,095,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 7 $ 1,105,000
Hughes Federal Credit Union
971 W WETMORE RD
TUCSON, AZ 85705
* $ n/a 6 $ 490,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 6 $ 470,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 6 $ 2,100,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,380,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 6 $ 1,140,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 5 $ 1,365,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 5 $ 1,185,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 5 $ 1,255,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 5 $ 2,185,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 5 $ 1,625,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 5 $ 745,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 5 $ 675,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 5 $ 1,385,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 4 $ 930,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 1,250,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 4 $ 960,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 4 $ 400,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 4 $ 900,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 3 $ 545,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 3 $ 1,005,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 3 $ 695,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 3 $ 235,000
Credit Union West
5811 W TALAVI BLVD
GLENDALE, AZ 85312
* $ n/a 3 $ 875,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 3 $ 405,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 605,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 3 $ 915,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 3 $ 465,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 445,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 3 $ 655,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 3 $ 365,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 3 $ 835,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 655,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 185,000
Arizona Central Credit Union
2020 N CENTRAL AVE
PHOENIX, AZ 85004
* $ n/a 3 $ 335,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 2 $ 670,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 2 $ 380,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 520,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ n/a 2 $ 410,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 2 $ 350,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 530,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 700,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 690,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 560,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 2 $ 410,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 630,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 2 $ 900,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 320,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 2 $ 530,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 2 $ 310,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 340,000
Saxton Mortgage, LLC
9191 TOWNE CENTRE DRIVE SUITE 400
SAN DIEGO, CA 92122
* $ n/a 2 $ 820,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 630,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 2 $ 380,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 2 $ 540,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 1,270,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 2 $ 370,000
National Police Federal Credit Union
1407 W. WASHINGTON BLVD.
CHICAGO, IL 60607
* $ n/a 1 $ 505,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 245,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 365,000
Corevestamericanfinancelenderllc
1920 MAIN ST #850
IRVINE, CA 92614
* $ n/a 1 $ 185,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 505,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 295,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 15,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 1 $ 315,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 275,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 405,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 1 $ 185,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 285,000
Pima Federal Credit Union
6840 N ORACLE ROAD, SUITE 100
TUCSON, AZ 85704
* $ n/a 1 $ 405,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 255,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 195,000
Kbhs Home Loans, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 265,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 415,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 1 $ 125,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 115,000
Hilton Financial Corporation
11024 N. 28TH DR., STE 170
PHOENIX, AZ 85029
* $ n/a 1 $ 295,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 145,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 265,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 1 $ 75,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 1 $ 825,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 65,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 55,000
Altitude Financial Corporation
4031 E SUNRISE DRIVE
TUCSON, AZ 85718
* $ n/a 1 $ 95,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 135,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 175,000
Loanflight Lending, Llc.
201 N FRANKLIN ST STE 3440
TAMPA, FL 33634
* $ n/a 1 $ 465,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 1 $ 445,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 285,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 155,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ n/a 1 $ 275,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 85,000
Efinity Financial LLC
1901 CENTRAL DRIVE SUITE 612
BEDFORD, TX 76021
* $ n/a 1 $ 345,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 395,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 115,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 225,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 315,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 265,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 335,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 245,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 395,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ n/a 1 $ 345,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 285,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 55,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 1 $ 575,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 1 $ 325,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 115,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 115,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ n/a 1 $ 75,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 305,000
Nuvision Federal Credit Union
7812 EDINGER AVENUE
HUNTINGTON BEACH, CA 92677
* $ n/a 1 $ 75,000

The tables below break down 2025 mortgage applications in Graham County, AZ by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Graham County, AZ in 2025

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 736 $192,500,000 $261,000 $915,000 $351,000 $9,452,000
Cash-out Refinancing 334 $73,390,000 $219,000 $5,405,000 $167,000 $8,134,000
Refinancing 262 $85,910,000 $327,000 $9,265,000 $280,000 $9,287,000
Other Purpose 213 $18,385,000 $86,000 $575,000 $110,000 $819,000
Home Improvement 130 $13,150,000 $101,000 $355,000 $112,000 $595,000
Not Applicable 2 $530,000 $265,000 $265,000 $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 853 $188,015,000 $220,000 $915,000 $282,000 $9,452,000
Hispanic 387 $90,435,000 $233,000 $9,265,000 $214,000 $9,287,000
Not applicable 224 $63,420,000 $283,000 $5,405,000 $127,000 $215,000
Not Provided 152 $31,080,000 $204,000 $725,000 $150,000 $6,727,000
American Indian or Alaskan Native 43 $7,895,000 $183,000 $725,000 $293,000 $8,950,000
Black or African American 9 $1,885,000 $209,000 $345,000 $75,000 $104,000
Asian 7 $875,000 $125,000 $305,000 $52,000 $126,000
Native Hawaiian or Other Pacific Islander 2 $260,000 $130,000 $255,000 $7,000 $7,000

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) 950 $178,860,000 $188,000 $9,265,000 $204,000 $9,452,000
FHA-insured (Federal Housing Administration) 509 $138,865,000 $272,000 $535,000 $275,000 $9,382,000
VA-guaranteed (Veterans Administration) 144 $46,850,000 $325,000 $735,000 $187,000 $8,367,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 74 $19,290,000 $260,000 $415,000 $844,000 $8,950,000

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 846 $202,930,000 $239,000 $5,405,000 $308,000 $9,452,000
Application Denied By Financial Institution 275 $42,725,000 $155,000 $915,000 $135,000 $6,727,000
Loan Purchased By The Institution 225 $59,455,000 $264,000 $725,000 $124,000 $284,000
Application Withdrawn By Applicant 190 $53,740,000 $282,000 $9,265,000 $270,000 $8,950,000
File Closed For Incompleteness 81 $15,345,000 $189,000 $515,000 $96,000 $290,000
Application Approved But Not Accepted 56 $8,620,000 $153,000 $465,000 $101,000 $595,000
Preapproval Denied by Financial Institution 4 $1,050,000 $262,000 $365,000 $49,000 $67,000
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 1,398 $340,090,000 $243,000 $9,265,000 $274,000 $9,452,000
Other 78 $9,240,000 $118,000 $395,000 $185,000 $6,727,000
Credit History 76 $11,690,000 $153,000 $825,000 $96,000 $395,000
Debt-To-Income Ratio 45 $8,635,000 $191,000 $915,000 $152,000 $3,930,000
Collateral 32 $5,390,000 $168,000 $445,000 $102,000 $360,000
Credit Application Incomplete 25 $4,175,000 $167,000 $415,000 $143,000 $926,000
Unverifiable Information 11 $2,485,000 $225,000 $465,000 $108,000 $230,000
Employment History 8 $1,160,000 $145,000 $305,000 $56,000 $126,000
Insufficient Cash (Downpayment, Closing Cost) 4 $1,000,000 $250,000 $435,000 $74,000 $121,000
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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