Grand Forks County, ND Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,846 mortgage applications in Grand Forks County, ND totaling $454.9 million, up 8% from 2024. The average application was for $246,000, and applicants reported an average income of $137,000. 68% of applications resulted in an originated loan and 9% were denied. The most active lender was Gate City Bank, with 314 applications, followed by United Wholesale Mortgage and Alerus Financial NA.
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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 | 1,846 |
| Total Mortgage Loan Application Amount | $454,890,000 |
| Average Mortgage Loan Application Amount | $246,000 |
| Highest Mortgage Loan Application Amount | $13,965,000 |
| Average Applicant Income | $137,000 |
| Highest Applicant Income | $5,455,000 |
* 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 |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ n/a | 314 | $ 47,040,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 178 | $ 54,160,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 123 | $ 29,035,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 81 | $ 23,015,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 66 | $ 17,670,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ n/a | 59 | $ 12,525,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 54 | $ 12,070,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 41 | $ 2,465,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 39 | $ 5,205,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 39 | $ 6,665,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 38 | $ 10,630,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 38 | $ 13,850,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ n/a | 38 | $ 13,850,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ n/a | 38 | $ 7,760,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 36 | $ 9,180,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 35 | $ 8,935,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 32 | $ 6,020,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 32 | $ 9,790,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 28 | $ 6,940,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ n/a | 25 | $ 7,115,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 24 | $ 5,050,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ n/a | 23 | $ 6,695,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 21 | $ 5,825,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 20 | $ 5,280,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 17 | $ 13,365,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ n/a | 17 | $ 3,555,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 15 | $ 3,995,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 15 | $ 4,225,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ n/a | 15 | $ 3,565,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 14 | $ 860,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 14 | $ 3,440,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 14 | $ 2,030,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 12 | $ 750,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 11 | $ 2,725,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 10 | $ 3,280,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 10 | $ 1,530,000 |
| Chartwell Financial, LLC 2015 SPRING RD # 600 OAK BROOK, IL 60523 |
* | $ n/a | 10 | $ 640,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 10 | $ 1,330,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 9 | $ 485,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 9 | $ 2,805,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 9 | $ 2,795,000 |
| Kodabank 104 S MAIN ST DRAYTON, ND 58225 |
* | $ n/a | 9 | $ 3,115,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 8 | $ 550,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 8 | $ 1,170,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 8 | $ 2,830,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 8 | $ 1,540,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 7 | $ 2,515,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 7 | $ 2,305,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 990,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 1,075,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 5 | $ 765,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 1,660,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 1,000,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 620,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 4 | $ 1,020,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 4 | $ 1,060,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 225,000 |
| Wheaton Bank & Trust Company, N.A. 100 NORTH WHEATON AVENUE WHEATON, IL 60187 |
* | $ n/a | 3 | $ 1,605,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 575,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ n/a | 3 | $ 785,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 1,005,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 3 | $ 255,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 3 | $ 1,305,000 |
| First United Bank 503 BRIGGS AVE SOUTH PARK RIVER, ND 58270 |
* | $ n/a | 3 | $ 835,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 515,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 3 | $ 545,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ n/a | 2 | $ 400,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 2 | $ 190,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 400,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 2 | $ 440,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 490,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 750,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 300,000 |
| St. Charles Bank & Trust Company, N.A. 411 WEST MAIN STREET SAINT CHARLES, IL 60174 |
* | $ n/a | 2 | $ 760,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 390,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 490,000 |
| Libertyville Bank & Trust Company, N.A. 507 NORTH MILWAUKEE AVENUE LIBERTYVILLE, IL 60048 |
* | $ n/a | 2 | $ 800,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ n/a | 2 | $ 410,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ n/a | 2 | $ 430,000 |
| First Resource Bank 7449 VILLAGE DRIVE LINO LAKES, MN 55014 |
* | $ n/a | 2 | $ 10,470,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ n/a | 2 | $ 1,020,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 690,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 1,190,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 850,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ n/a | 2 | $ 670,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ n/a | 1 | $ 605,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 15,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 175,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 215,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 1 | $ 65,000 |
| American Nation Bank 1901 N COMMERCE STREET ARDMORE, OK 73401 |
* | $ n/a | 1 | $ 235,000 |
| Northmarq Capital Finance, L.L.C. WASHINGTON, DC 20005 |
* | $ n/a | 1 | $ 6,595,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 165,000 |
| Old Plank Trail Community Bank, N.A. 280 VETERANS PARKWAY NEW LENOX, IL 60451 |
* | $ n/a | 1 | $ 565,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 205,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 235,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 295,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 195,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 35,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ n/a | 1 | $ 85,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 225,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 755,000 |
| Ultima Bank Minnesota 603 HILLIGOSS BLVD. SE FOSSTON, MN 56542 |
* | $ n/a | 1 | $ 75,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ n/a | 1 | $ 355,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ n/a | 1 | $ 805,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 255,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 25,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 245,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 125,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 255,000 |
| Bankwest 5921 MAIN ST ROCKFORD, MN 55313 |
* | $ n/a | 1 | $ 195,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 175,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 25,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 1 | $ 265,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 75,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 395,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 185,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 185,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 265,000 |
| Skyone Federal Credit Union 14600 AVIATION BOULEVARD HAWTHORNE, CA 90250 |
* | $ n/a | 1 | $ 395,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 205,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 85,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ n/a | 1 | $ 95,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 225,000 |
| Colliers Mortgage LLC 90 SOUTH SEVENTH ST. SUITE 4300 MINNEAPOLIS, MN 55402 |
* | $ n/a | 1 | $ 13,965,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 715,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 205,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 45,000 |
| Gold Coast Bank 1165 N. CLARK ST., SUITE 200 CHICAGO, IL 60610 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2025 mortgage applications in Grand Forks County, ND by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Grand Forks County, ND 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 | 1,023 | $286,905,000 | $280,000 | $6,595,000 | $136,000 | $1,244,000 |
| Refinancing | 296 | $92,120,000 | $311,000 | $10,005,000 | $136,000 | $625,000 |
| Cash-out Refinancing | 189 | $33,335,000 | $176,000 | $605,000 | $112,000 | $437,000 |
| Other Purpose | 177 | $29,455,000 | $166,000 | $13,965,000 | $168,000 | $5,455,000 |
| Home Improvement | 160 | $12,970,000 | $81,000 | $805,000 | $135,000 | $537,000 |
| Not Applicable | 1 | $105,000 | $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 | 1,336 | $281,970,000 | $211,000 | $1,005,000 | $140,000 | $5,455,000 |
| Not applicable | 233 | $108,935,000 | $467,000 | $13,965,000 | $109,000 | $235,000 |
| Not Provided | 138 | $33,480,000 | $242,000 | $805,000 | $129,000 | $500,000 |
| Hispanic | 59 | $12,555,000 | $212,000 | $715,000 | $98,000 | $395,000 |
| Black or African American | 31 | $6,215,000 | $200,000 | $485,000 | $116,000 | $395,000 |
| Asian | 25 | $8,295,000 | $331,000 | $805,000 | $226,000 | $787,000 |
| American Indian or Alaskan Native | 22 | $3,350,000 | $152,000 | $535,000 | $82,000 | $401,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $90,000 | $45,000 | $65,000 | $80,000 | $132,000 |
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) | 1,432 | $338,250,000 | $236,000 | $13,965,000 | $145,000 | $5,455,000 |
| VA-guaranteed (Veterans Administration) | 223 | $69,395,000 | $311,000 | $775,000 | $116,000 | $536,000 |
| FHA-insured (Federal Housing Administration) | 183 | $45,855,000 | $250,000 | $535,000 | $96,000 | $256,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,390,000 | $173,000 | $275,000 | $75,000 | $104,000 |
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 | 1,263 | $333,605,000 | $264,000 | $13,965,000 | $146,000 | $5,455,000 |
| Application Withdrawn By Applicant | 180 | $45,260,000 | $251,000 | $1,955,000 | $133,000 | $683,000 |
| Application Denied By Financial Institution | 161 | $21,815,000 | $135,000 | $605,000 | $89,000 | $787,000 |
| Loan Purchased By The Institution | 141 | $38,035,000 | $269,000 | $945,000 | $151,000 | $1,244,000 |
| File Closed For Incompleteness | 65 | $10,195,000 | $156,000 | $765,000 | $104,000 | $287,000 |
| Application Approved But Not Accepted | 36 | $5,980,000 | $166,000 | $535,000 | $124,000 | $500,000 |
| 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 | 1,566 | $392,300,000 | $250,000 | $13,965,000 | $141,000 | $5,455,000 |
| Debt-To-Income Ratio | 180 | $47,330,000 | $262,000 | $6,335,000 | $121,000 | $1,179,000 |
| Credit History | 44 | $5,260,000 | $119,000 | $375,000 | $92,000 | $193,000 |
| Collateral | 17 | $2,345,000 | $137,000 | $265,000 | $113,000 | $353,000 |
| Credit Application Incomplete | 17 | $3,165,000 | $186,000 | $445,000 | $93,000 | $227,000 |
| Other | 8 | $1,770,000 | $221,000 | $515,000 | $212,000 | $787,000 |
| Unverifiable Information | 5 | $1,045,000 | $209,000 | $605,000 | $93,000 | $234,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $855,000 | $171,000 | $235,000 | $92,000 | $153,000 |
| Employment History | 4 | $820,000 | $205,000 | $375,000 | $80,000 | $107,000 |
| 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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