In 2025, lenders reported 746 mortgage applications in Grant County, NM totaling $129.0 million, up 2% from 2024. The average application was for $172,000, and applicants reported an average income of $90,000. 46% of applications resulted in an originated loan and 20% were denied. The most active lender was Guild Mortgage Company, with 85 applications, followed by 21st Mortgage and PennyMac Loan Services 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 | 746 |
| Total Mortgage Loan Application Amount | $129,040,000 |
| Average Mortgage Loan Application Amount | $172,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $559,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 85 | $ 10,925,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 50 | $ 7,140,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 28 | $ 6,290,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 28 | $ 6,400,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 20 | $ 4,360,000 |
| First Financial Credit Union 601 TIJERAS NW ALBUQUERQUE, NM 87107 |
* | $ n/a | 19 | $ 2,825,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 17 | $ 3,545,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 17 | $ 3,785,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 16 | $ 2,580,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 15 | $ 2,475,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 14 | $ 3,230,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 13 | $ 1,565,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 2,570,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 12 | $ 2,610,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 12 | $ 1,710,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 11 | $ 1,625,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 10 | $ 3,500,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 9 | $ 2,415,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 9 | $ 455,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 1,480,000 |
| Nusenda Federal Credit Union PO BOX 8530 ALBUQUERQUE, NM 87107 |
* | $ n/a | 8 | $ 480,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 8 | $ 730,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 8 | $ 750,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,285,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,545,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 655,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 7 | $ 855,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 7 | $ 1,155,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 7 | $ 1,265,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 7 | $ 1,485,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 6 | $ 1,350,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 6 | $ 1,310,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 910,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 6 | $ 1,420,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 6 | $ 1,130,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 420,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 285,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 5 | $ 635,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 5 | $ 625,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 5 | $ 925,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 515,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 545,000 |
| First American Bank 303 W MAIN ST ARTESIA, NM 88210 |
* | $ n/a | 5 | $ 695,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 715,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 5 | $ 705,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 1,000,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 540,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 4 | $ 1,050,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 4 | $ 1,000,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 905,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 205,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 675,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 3 | $ 605,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 505,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 475,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 3 | $ 515,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 645,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ n/a | 2 | $ 280,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 550,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 250,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ n/a | 2 | $ 150,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 270,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 2 | $ 870,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 420,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 2 | $ 360,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 680,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 2 | $ 750,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ n/a | 2 | $ 170,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 390,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 720,000 |
| First Savings Bank 201 N 3RD ST BERESFORD, SD 57004 |
* | $ n/a | 2 | $ 630,000 |
| Sandia Area Federal Credit Uni PO BOX 18044 ALBUQUERQUE, NM 87185 |
* | $ n/a | 2 | $ 110,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 150,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 2 | $ 360,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ n/a | 1 | $ 55,000 |
| Nova Financial & Investment Corporation 6245 E. BROADWAY BLVD., SUITE 400 TUCSON, AZ 85711 |
* | $ n/a | 1 | $ 375,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 245,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ n/a | 1 | $ 525,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 25,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ n/a | 1 | $ 215,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 165,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 195,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 325,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 475,000 |
| Citizens Bank of Las Cruces 505 S MAIN STREET LAS CRUCES, NM 88001 |
* | $ n/a | 1 | $ 205,000 |
| Countybank 425 MAIN STREET GREENWOOD, SC 29648 |
* | $ n/a | 1 | $ 375,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 65,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 125,000 |
| Smartfi Home Loans SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 235,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 415,000 |
| State Employees Credit Union 813 ST. MICHAELS DR. SANTA FE, NM 87505 |
* | $ n/a | 1 | $ 115,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ n/a | 1 | $ 175,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 195,000 |
| Kirtland Federal Credit Union 6440 GIBSON BLVD SE ALBUQUERQUE, NM 87108 |
* | $ n/a | 1 | $ 145,000 |
| White Sands Federal Credit Union 2755 N MAIN ST LAS CRUCES, NM 88004 |
* | $ n/a | 1 | $ 45,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 125,000 |
| Firstlight Federal Credit Unio 9983 KENWORTHY ST. EL PASO, TX 79924 |
* | $ n/a | 1 | $ 145,000 |
| Valley West Corporation 8010 W SAHARA AVE SUITE #140 LAS VEGAS, NV 89117 |
* | $ n/a | 1 | $ 105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 95,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 155,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 1 | $ 175,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ n/a | 1 | $ 215,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 55,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 1 | $ 145,000 |
| First New Mexico Bank, Las Cru 3000 E. LOHMAN AVE LAS CRUCES, NM 88011 |
* | $ n/a | 1 | $ 95,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 225,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 105,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ n/a | 1 | $ 55,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 15,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 125,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 185,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2025 mortgage applications in Grant County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 419 | $81,405,000 | $194,000 | $645,000 | $91,000 | $555,000 |
| Cash-out Refinancing | 145 | $22,665,000 | $156,000 | $555,000 | $89,000 | $559,000 |
| Refinancing | 76 | $15,730,000 | $206,000 | $535,000 | $92,000 | $367,000 |
| Other Purpose | 66 | $5,390,000 | $81,000 | $255,000 | $74,000 | $313,000 |
| Home Improvement | 39 | $3,825,000 | $98,000 | $225,000 | $107,000 | $346,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 |
|---|---|---|---|---|---|---|
| Hispanic | 287 | $40,825,000 | $142,000 | $495,000 | $78,000 | $313,000 |
| White | 286 | $55,630,000 | $194,000 | $645,000 | $97,000 | $555,000 |
| Not Provided | 104 | $18,140,000 | $174,000 | $475,000 | $96,000 | $367,000 |
| Not applicable | 52 | $10,430,000 | $200,000 | $625,000 | $120,000 | $201,000 |
| American Indian or Alaskan Native | 6 | $1,060,000 | $176,000 | $375,000 | $198,000 | $559,000 |
| Asian | 6 | $910,000 | $151,000 | $325,000 | $100,000 | $115,000 |
| Black or African American | 5 | $2,045,000 | $409,000 | $555,000 | $74,000 | $147,000 |
| 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) | 515 | $79,775,000 | $154,000 | $645,000 | $93,000 | $559,000 |
| FHA-insured (Federal Housing Administration) | 159 | $32,005,000 | $201,000 | $535,000 | $84,000 | $214,000 |
| VA-guaranteed (Veterans Administration) | 58 | $14,660,000 | $252,000 | $575,000 | $81,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,600,000 | $185,000 | $335,000 | $73,000 | $125,000 |
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 | 343 | $58,005,000 | $169,000 | $645,000 | $92,000 | $559,000 |
| Application Denied By Financial Institution | 146 | $23,410,000 | $160,000 | $575,000 | $81,000 | $313,000 |
| Application Withdrawn By Applicant | 120 | $23,670,000 | $197,000 | $555,000 | $88,000 | $333,000 |
| File Closed For Incompleteness | 56 | $8,820,000 | $157,000 | $455,000 | $93,000 | $367,000 |
| Loan Purchased By The Institution | 47 | $9,125,000 | $194,000 | $625,000 | $120,000 | $201,000 |
| Application Approved But Not Accepted | 29 | $4,625,000 | $159,000 | $475,000 | $94,000 | $210,000 |
| Preapproval Approved but not Accepted | 5 | $1,385,000 | $277,000 | $395,000 | $144,000 | $335,000 |
| 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 | 599 | $105,535,000 | $176,000 | $645,000 | $92,000 | $559,000 |
| Debt-To-Income Ratio | 37 | $5,465,000 | $147,000 | $505,000 | $68,000 | $313,000 |
| Credit History | 35 | $5,155,000 | $147,000 | $465,000 | $84,000 | $192,000 |
| Collateral | 32 | $6,280,000 | $196,000 | $515,000 | $85,000 | $167,000 |
| Credit Application Incomplete | 18 | $2,400,000 | $133,000 | $265,000 | $72,000 | $175,000 |
| Unverifiable Information | 11 | $1,835,000 | $166,000 | $495,000 | $98,000 | $173,000 |
| Other | 7 | $1,065,000 | $152,000 | $325,000 | $95,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,145,000 | $229,000 | $575,000 | $105,000 | $159,000 |
| Employment History | 2 | $160,000 | $80,000 | $85,000 | $60,000 | $88,000 |
| 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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