Grand Island, NE Metro Area Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 2,207 mortgage applications in Grand Island, NE metro area totaling $391.2 million, down 19% from 2022. The average application was for $177,260, and applicants reported an average income of $96,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was US Bank, N.A., with 217 applications, followed by First National Bank of Omaha and Pinnacle Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 2,207 |
| Total Mortgage Loan Application Amount | $391,215,000 |
| Average Mortgage Loan Application Amount | $177,260 |
| Highest Mortgage Loan Application Amount | $8,045,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,353,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 217 | $ 39,005,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 151 | $ 22,485,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 138 | $ 25,580,000 |
| Five Points Bank PO BOX 1507 GRAND ISLAND, NE 68802 |
* | $ 2,018,808,000 | 109 | $ 13,155,000 |
| Exchange Bank 14 LABARRE STREET KEARNEY, NE 68847 |
* | $ 1,310,158,000 | 109 | $ 26,765,000 |
| Charter West Bank 201 SOUTH MAIN STREET PO BOX 288 WEST POINT, NE 68788 |
* | $ 415,343,000 | 108 | $ 22,950,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 105 | $ 22,545,000 |
| Home Federal Savings and Loan 221 S LOCUST ST GRAND ISLAND, NE 68801 |
* | $ 426,464,000 | 93 | $ 14,875,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 90 | $ 15,730,000 |
| Centris Federal Credit Union 11825 Q STREET OMAHA, NE 68144 |
* | $ 1,204,977,000 | 80 | $ 7,880,000 |
| Equitable Bank PO BOX 160 GRAND ISLAND, NE 68802 |
* | $ 494,217,000 | 69 | $ 11,175,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 67 | $ 9,095,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 53 | $ 3,715,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 44 | $ 10,110,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 38 | $ 8,230,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 38 | $ 7,830,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 7,608,489,000 | 34 | $ 3,560,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 1,121,085,000 | 34 | $ 6,450,000 |
| Archer Cooperative Credit Union 2121 ARCHER RD ARCHER, NE 68816 |
* | $ 88,485,000 | 34 | $ 5,740,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 31 | $ 7,325,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 27 | $ 3,645,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 26 | $ 5,410,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 23 | $ 5,305,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 20 | $ 3,860,000 |
| Pathway Bank 306 S HIGH ST PO BOX 428 CAIRO, NE 68824 |
* | $ 264,709,000 | 16 | $ 1,970,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59101 |
* | $ 32,216,733,000 | 13 | $ 1,705,000 |
| Cornerstone Bank 529 SOUTH LINCOLN AVENUE YORK, NE 68467 |
* | $ 2,373,745,000 | 13 | $ 2,535,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 12 | $ 2,400,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 12 | $ 3,570,000 |
| Citizens Bank & Trust Col. PO BOX 385, 7217TH STREET ST. PAUL, NE 68873 |
* | $ 242,687,000 | 11 | $ 1,105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 11 | $ 2,765,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 11 | $ 1,885,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 11 | $ 2,175,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 11 | $ 1,575,000 |
| Heritage Bank 110 E 9TH ST WOOD RIVER, NE 68883 |
* | $ 604,832,000 | 11 | $ 1,475,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 10 | $ 450,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 10 | $ 540,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 9 | $ 2,485,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 8 | $ 1,780,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 8 | $ 2,480,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 8 | $ 480,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 980,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 1,025,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 7 | $ 1,445,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 7 | $ 1,215,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 770,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 6,896,511,000 | 6 | $ 630,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 880,000 |
| Mnb Bank 220 NORRIS AVE MCCOOK, NE 69001 |
* | $ 554,424,000 | 6 | $ 400,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 6 | $ 630,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 6 | $ 1,310,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,250,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 1,240,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,440,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 5 | $ 1,245,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 5 | $ 1,055,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 705,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 755,000 |
| US Home Mortgage, Inc. 5901 S 58TH ST A LINCOLN, NE 68516 |
* | $ -1,000 | 3 | $ 745,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 3 | $ 595,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 3 | $ 575,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 3 | $ 765,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 630,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 100,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 220,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 190,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 210,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 450,000 |
| First State Bank Nebraska 2701 GRAINGER PARKWAY LINCOLN, NE 68516 |
* | $ 972,103,000 | 2 | $ 4,320,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 2 | $ 460,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 520,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 4,700,520,000 | 2 | $ 490,000 |
| City Bank & Trust Co. 1135 MAIN AVE. CRETE, NE 68333 |
* | $ 300,784,000 | 2 | $ 360,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 620,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 520,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,622,947,000 | 2 | $ 800,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 2 | $ 60,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 60,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 810,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 160,000 |
| Berkadia Commercial Mortgage 323 NORRISTOWN ROAD SUITE 300 AMBLER, PA 19002 |
* | $ -1,000 | 1 | $ 2,245,000 |
| Frontier Bank 17002 MARCY ST, STE 120 OMAHA, NE 68154 |
* | $ 1,196,346,000 | 1 | $ 115,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 1,255,880,000 | 1 | $ 185,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 1 | $ 325,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 325,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 245,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 255,000 |
| Liberty First Credit Union 501 N 46TH STREET LINCOLN, NE 68503 |
* | $ 422,493,000 | 1 | $ 255,000 |
| Real Genius LLC 1625 S CONGRESS AVE STE 190 DELRAY BEACH, FL 33445 |
* | $ -1,000 | 1 | $ 65,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 379,838,000 | 1 | $ 15,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 185,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ -1,000 | 1 | $ 225,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 315,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 345,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 235,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 335,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,154,561,000 | 1 | $ 45,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 1 | $ 255,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 445,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 205,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 365,000 |
| Jones Bank 203 S 6TH ST SEWARD, NE 68434 |
* | $ 401,999,000 | 1 | $ 245,000 |
| Points West Community Bank 2234 MAIN ST TORRINGTON, WY 82240 |
* | $ 824,071,000 | 1 | $ 205,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 135,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,517,837,000 | 1 | $ 175,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 105,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,099,887,000 | 1 | $ 295,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 162,436,537,000 | 1 | $ 285,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 1 | $ 405,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 25,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 255,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 365,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 116,006,000 | 1 | $ 95,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 397,701,000 | 1 | $ 45,000 |
| Lincoln Federal Svgs Bk of Ne 1101 N STREET LINCOLN, NE 68520 |
* | $ 371,482,000 | 1 | $ 95,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 255,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 355,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 235,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 385,000 |
| First Nebraska Credit Union 10655 BEDFORD AVE OMAHA, NE 68134 |
* | $ 183,513,000 | 1 | $ 45,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 91,580,361,000 | 1 | $ 35,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 1 | $ 45,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 75,000 |
| Dayspring Bank 914 LAKE AVENUE GOTHENBURG, NE 69138 |
* | $ 982,277,000 | 1 | $ 205,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 1 | $ 95,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,950,802,000 | 1 | $ 355,000 |
| Nebraska Bank of Commerce 6000 VILLAGE DRIVE, STE 100 LINCOLN, NE 68516 |
* | $ 156,946,000 | 1 | $ 195,000 |
The tables below break down 2023 mortgage applications in Grand Island, NE metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Grand Island, NE in 2023
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 | 1,381 | $299,125,000 | $216,000 | $8,045,000 | $99,000 | $1,353,000 |
| Cash-out Refinancing | 247 | $36,565,000 | $148,000 | $475,000 | $75,000 | $266,000 |
| Other Purpose | 211 | $15,565,000 | $73,000 | $465,000 | $98,000 | $576,000 |
| Refinancing | 196 | $30,200,000 | $154,000 | $2,245,000 | $94,000 | $309,000 |
| Home Improvement | 163 | $8,865,000 | $54,000 | $255,000 | $100,000 | $1,255,000 |
| Not Applicable | 9 | $895,000 | $99,000 | $215,000 | $102,000 | $176,000 |
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 | 1,153 | $193,115,000 | $167,000 | $705,000 | $102,000 | $745,000 |
| Hispanic | 607 | $96,165,000 | $158,000 | $505,000 | $75,000 | $1,353,000 |
| Not applicable | 263 | $69,305,000 | $263,000 | $8,045,000 | $54,000 | $80,000 |
| Not Provided | 132 | $21,330,000 | $161,000 | $765,000 | $95,000 | $370,000 |
| Black or African American | 19 | $5,035,000 | $265,000 | $705,000 | $281,000 | $1,259,000 |
| Asian | 18 | $4,050,000 | $225,000 | $355,000 | $191,000 | $785,000 |
| American Indian or Alaskan Native | 8 | $990,000 | $123,000 | $355,000 | $87,000 | $148,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $300,000 | $150,000 | $205,000 | $38,000 | $57,000 |
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) | 1,485 | $235,725,000 | $158,000 | $8,045,000 | $104,000 | $1,353,000 |
| FHA-insured (Federal Housing Administration) | 569 | $118,995,000 | $209,000 | $435,000 | $75,000 | $226,000 |
| VA-guaranteed (Veterans Administration) | 134 | $33,360,000 | $248,000 | $675,000 | $91,000 | $388,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,135,000 | $165,000 | $335,000 | $71,000 | $106,000 |
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 | 1,281 | $230,025,000 | $179,000 | $8,045,000 | $100,000 | $1,353,000 |
| Loan Purchased By The Institution | 347 | $74,665,000 | $215,000 | $675,000 | $85,000 | $324,000 |
| Application Denied By Financial Institution | 253 | $31,425,000 | $124,000 | $585,000 | $79,000 | $1,255,000 |
| Application Withdrawn By Applicant | 214 | $40,100,000 | $187,000 | $585,000 | $108,000 | $1,259,000 |
| File Closed For Incompleteness | 63 | $8,855,000 | $140,000 | $395,000 | $82,000 | $205,000 |
| Application Approved But Not Accepted | 49 | $6,145,000 | $125,000 | $455,000 | $92,000 | $555,000 |
| 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 | 1,823 | $335,375,000 | $183,000 | $8,045,000 | $98,000 | $1,353,000 |
| Debt-To-Income Ratio | 223 | $36,705,000 | $164,000 | $4,045,000 | $83,000 | $369,000 |
| Credit History | 81 | $7,515,000 | $92,000 | $365,000 | $74,000 | $312,000 |
| Collateral | 38 | $4,610,000 | $121,000 | $325,000 | $121,000 | $1,255,000 |
| Credit Application Incomplete | 15 | $2,015,000 | $134,000 | $355,000 | $73,000 | $123,000 |
| Other | 15 | $2,875,000 | $191,000 | $335,000 | $83,000 | $170,000 |
| Unverifiable Information | 5 | $875,000 | $175,000 | $465,000 | $112,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,005,000 | $201,000 | $375,000 | $84,000 | $140,000 |
| Mortgage Insurance Denied | 1 | $185,000 | $185,000 | $185,000 | $57,000 | $57,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
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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