Guthrie County, IA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 501 mortgage applications in Guthrie County, IA totaling $74.4 million, down 10% from 2016. The average application was for $148,000, and applicants reported an average income of $94,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was Guthrie County State Bank, with 40 applications, followed by Wells Fargo Bank NA and Peoples Trust & Savings Bank.
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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 | 501 |
| Total Mortgage Loan Application Amount | $74,396,000 |
| Average Mortgage Loan Application Amount | $148,000 |
| Highest Mortgage Loan Application Amount | $950,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $2,140,000 |
* 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 |
|---|---|---|---|---|
| Guthrie County State Bank 505 E MAIN ST PANORA, IA 50216 |
* | $ 120,974,000 | 40 | $ 4,212,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 31 | $ 5,081,000 |
| Peoples Trust & Savings Bank 205 E MAIN ST GRAND JUNCTION, IA 50107 |
* | $ 320,779,000 | 31 | $ 2,870,000 |
| First State Bank 215 N. DIVISION, PO BOX 400 STUART, IA 50250 |
* | $ 99,098,000 | 24 | $ 2,166,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 194,676,000 | 16 | $ 2,305,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 15 | $ 3,266,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 13 | $ 2,064,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 1,830,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 11 | $ 1,518,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 9 | $ 1,570,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 3,902,292,000 | 9 | $ 1,550,000 |
| American Southwest Mortgage Funding Corp 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 9 | $ 2,045,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 3,101,783,000 | 8 | $ 1,222,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 912,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 7 | $ 762,000 |
| Rolling Hills Bank & Trust 1307 E 7TH ST ATLANTIC, IA 50022 |
* | $ 250,963,000 | 7 | $ 679,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 950,755,000 | 7 | $ 1,062,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 870,820,000 | 7 | $ 1,045,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 824,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,451,607,000 | 6 | $ 2,144,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 280,447,000 | 6 | $ 367,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 553,662,000 | 6 | $ 1,197,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 689,786,000 | 6 | $ 831,000 |
| Fidelity Bank 177 S JORDAN CREEK PKWY WEST DES MOINES, IA 50266 |
* | $ 83,827,000 | 5 | $ 892,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 603,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 5 | $ 898,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 5 | $ 661,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 682,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ 4,121,209,000 | 5 | $ 732,000 |
| Charter Bank 5526 NW 86TH STREET JOHNSTON, IA 50131 |
* | $ 151,487,000 | 4 | $ 399,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 816,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 765,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 799,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 4 | $ 555,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 4 | $ 380,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ -1,000 | 4 | $ 1,334,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 3 | $ 50,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 155,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 168,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 45,524,776,000 | 3 | $ 1,170,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 402,500,000 | 3 | $ 255,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 3 | $ 393,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 545,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 380,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 536,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 373,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,418,149,000 | 3 | $ 454,000 |
| Financial Plus Credit Union 1831 25TH STREET WEST DES MOINES, IA 50266 |
* | $ 167,368,000 | 3 | $ 34,000 |
| Fnb Bank 101 MAIN STREET MASSENA, IA 50853 |
* | $ 204,508,000 | 3 | $ 833,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 2 | $ 138,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 832,884,000 | 2 | $ 491,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 306,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 458,261,000 | 2 | $ 174,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,402,559,000 | 2 | $ 195,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 2 | $ 442,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 411,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 669,149,000 | 2 | $ 73,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ -1,000 | 2 | $ 159,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 290,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 380,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 73,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 250,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 406,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 801,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 331,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,035,753,000 | 2 | $ 386,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 173,512,000 | 2 | $ 138,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 289,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,870,076,000 | 2 | $ 212,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 211,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 159,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 92,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ -1,000 | 1 | $ 168,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ 0 | 1 | $ 124,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 169,000 |
| Trubank 1401 N JEFFERSON WAY INDIANOLA, IA 50125 |
* | $ 295,121,000 | 1 | $ 210,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 79,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 52,958,000,000 | 1 | $ 121,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 362,957,000 | 1 | $ 323,000 |
| The Family Credit Union 1530 W 53RD STREET DAVENPORT, IA 52806 |
* | $ 149,635,000 | 1 | $ 16,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,688,730,000 | 1 | $ 310,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 600,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 119,269,000 | 1 | $ 96,000 |
| State Savings Bank 4800 MILLS CIVIC PKWY., STE. 100 WEST DES MOINES, IA 50265 |
* | $ 122,267,000 | 1 | $ 70,000 |
| Community State Bank 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ 600,379,000 | 1 | $ 45,000 |
| Gnb Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 520,559,000 | 1 | $ 367,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 1 | $ 69,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 68,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 514,606,000 | 1 | $ 53,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 1 | $ 92,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 90,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,515,035,000 | 1 | $ 78,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 277,105,000 | 1 | $ 220,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 121,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 525,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 454,462,000 | 1 | $ 354,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 63,000 |
| Iowa State Bank 627 E LOCUST ST DES MOINES, IA 50309 |
* | $ 377,911,000 | 1 | $ 250,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 290,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 276,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,121,439,000 | 1 | $ 35,000 |
| Legacy Bank 502 8TH ST SW - PO BOX 309 ALTOONA, IA 50009 |
* | $ 100,636,000 | 1 | $ 87,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 18,938,350,000 | 1 | $ 248,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 182,000 |
| American Trust & Savings Bank 895 MAIN STREET DUBUQUE, IA 52001 |
* | $ 1,087,325,000 | 1 | $ 191,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 80,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 269,000 |
| Exchange State Bank 823 WHEELER STREET, SUITE 32 AMES, IA 50010 |
* | $ 111,226,000 | 1 | $ 264,000 |
| Community 1st Credit Union 1030 SIERRA DR NE OTTUMWA, IA 52501 |
* | $ 580,149,000 | 1 | $ 78,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,553,702,000 | 1 | $ 324,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 312,000 |
| Midland Credit Union 2891-106TH STREET URBANDALE, IA 50322 |
* | $ 50,883,000 | 1 | $ 5,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 115,000 |
| First Class Community Credit Union 2051 WESTOWN PARKWAY WEST DES MOINES, IA 50265 |
* | $ 74,382,000 | 1 | $ 35,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ 248,762,000 | 1 | $ 35,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 102,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 206,000 |
| West Bank 1601 22ND STREET WEST DES MOINES, IA 50266 |
* | $ 1,834,848,000 | 1 | $ 800,000 |
The tables below break down 2017 mortgage applications in Guthrie County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Guthrie County, IA in 2017
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 | 251 | $38,625,000 | $153,000 | $800,000 | $85,000 | $521,000 |
| Refinancing | 198 | $32,468,000 | $163,000 | $800,000 | $102,000 | $763,000 |
| Home Improvement | 52 | $3,303,000 | $63,000 | $950,000 | $105,000 | $2,140,000 |
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 | 397 | $58,440,000 | $147,000 | $950,000 | $105,000 | $2,140,000 |
| Not applicable | 52 | $8,950,000 | $172,000 | $555,000 | $19,000 | $161,000 |
| Not Provided | 38 | $5,838,000 | $153,000 | $380,000 | $94,000 | $313,000 |
| Hispanic | 9 | $699,000 | $77,000 | $143,000 | $55,000 | $88,000 |
| American Indian or Alaskan Native | 3 | $396,000 | $132,000 | $220,000 | $58,000 | $77,000 |
| Black or African American | 2 | $73,000 | $36,000 | $37,000 | $41,000 | $41,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 380 | $58,108,000 | $152,000 | $950,000 | $108,000 | $2,140,000 |
| FHA-insured (Federal Housing Administration) | 60 | $7,445,000 | $124,000 | $280,000 | $47,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $3,298,000 | $106,000 | $187,000 | $33,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 30 | $5,545,000 | $184,000 | $323,000 | $63,000 | $130,000 |
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 | 314 | $47,104,000 | $150,000 | $950,000 | $111,000 | $2,140,000 |
| Application Denied By Financial Institution | 62 | $7,049,000 | $113,000 | $475,000 | $61,000 | $204,000 |
| Loan Purchased By The Institution | 53 | $9,054,000 | $170,000 | $387,000 | $33,000 | $161,000 |
| Application Withdrawn By Applicant | 49 | $8,054,000 | $164,000 | $800,000 | $89,000 | $442,000 |
| Application Approved But Not Accepted | 12 | $1,110,000 | $92,000 | $228,000 | $82,000 | $258,000 |
| File Closed For Incompleteness | 11 | $2,025,000 | $184,000 | $800,000 | $108,000 | $311,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 11 | $1,798,000 | $163,000 | $309,000 | $67,000 | $150,000 |
| Debt-To-Income Ratio | 9 | $1,188,000 | $132,000 | $475,000 | $35,000 | $62,000 |
| Credit History | 8 | $638,000 | $79,000 | $130,000 | $40,000 | $80,000 |
| Credit Application Incomplete | 4 | $726,000 | $181,000 | $256,000 | $148,000 | $204,000 |
| Other | 3 | $430,000 | $143,000 | $270,000 | $80,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $219,000 | $109,000 | $113,000 | $42,000 | $85,000 |
| Unverifiable Information | 1 | $69,000 | $69,000 | $69,000 | $49,000 | $49,000 |
| Employment History | 1 | $76,000 | $76,000 | $76,000 | $27,000 | $27,000 |
| 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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