Guthrie County, IA Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 573 mortgage applications in Guthrie County, IA totaling $94.1 million, up 11% from 2018. The average application was for $164,000, and applicants reported an average income of $131,000. 64% of applications resulted in an originated loan and 12% were denied. The most active lender was Guthrie County State Bank, with 44 applications, followed by Wells Fargo Bank NA and Veridian Credit Union.
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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 | 573 |
| Total Mortgage Loan Application Amount | $94,135,000 |
| Average Mortgage Loan Application Amount | $164,000 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $1,550,000 |
* 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 |
* | $ 127,886,000 | 44 | $ 4,480,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 34 | $ 5,780,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 31 | $ 4,105,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 31 | $ 5,295,000 |
| Peoples Bank 12701 UNIVERSITY AVE CLIVE, IA 50325 |
* | $ 332,872,000 | 24 | $ 2,180,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 22 | $ 3,360,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 5,377,351,000 | 21 | $ 4,365,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 1,251,526,000 | 13 | $ 2,625,000 |
| Luana Savings Bank 100 HARVEST DRIVE LUANA, IA 52156 |
* | $ 1,185,477,000 | 13 | $ 3,105,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 12 | $ 3,080,000 |
| First State Bank 215 N. DIVISION, PO BOX 400 STUART, IA 50250 |
* | $ 108,330,000 | 10 | $ 1,010,000 |
| Raccoon Valley Bank 1202 SECOND PERRY, IA 50220 |
* | $ 280,725,000 | 10 | $ 1,080,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,606,623,000 | 8 | $ 2,230,000 |
| Fidelity Bank 177 S JORDAN CREEK PKWY WEST DES MOINES, IA 50266 |
* | $ 84,253,000 | 8 | $ 1,030,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 8 | $ 1,410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 805,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 7 | $ 1,065,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 7 | $ 1,725,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,425,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 730,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 490,000 |
| Bankers Trust Company 453 7TH ST. DES MOINES, IA 50309 |
* | $ 4,512,819,000 | 6 | $ 1,310,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 6 | $ 810,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 420,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 192,527,000 | 6 | $ 790,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 890,000 |
| Community Choice Credit Union 1351 NW 114TH ST, P.O. BOX 71247 JOHNSTON, IA 50131 |
* | $ 506,692,000 | 5 | $ 1,095,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 5 | $ 1,995,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 5 | $ 565,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 5 | $ 1,195,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 5 | $ 195,000 |
| Collins Community Credit Union 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 1,315,218,000 | 4 | $ 520,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 456,628,000 | 4 | $ 420,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ -1,000 | 4 | $ 1,600,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,273,574,000 | 4 | $ 640,000 |
| Premier Credit Union 800 9TH ST DES MOINES, IA 50309 |
* | $ 199,449,000 | 4 | $ 740,000 |
| City State Bank 801 MAIN STREET NORWALK, IA 50211 |
* | $ 403,484,000 | 4 | $ 1,320,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 4 | $ 680,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 4 | $ 910,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 565,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 3 | $ 805,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 395,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 315,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 295,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 3 | $ 865,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 3 | $ 205,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 21,582,885,000 | 3 | $ 495,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 3 | $ 385,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 272,118,000 | 3 | $ 765,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 3 | $ 405,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 3 | $ 375,000 |
| Charter Bank 5526 NW 86TH STREET JOHNSTON, IA 50131 |
* | $ 158,451,000 | 3 | $ 205,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 3 | $ 505,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 2 | $ 270,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 480,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 330,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 750,000 |
| Visionbank of Iowa 104 CHESTNUT ST AMES, IA 50010 |
* | $ 500,482,000 | 2 | $ 550,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 570,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 2 | $ 1,250,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 200,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 470,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 2 | $ 170,000 |
| The Family Credit Union 1530 W 53RD STREET DAVENPORT, IA 52806 |
* | $ 155,868,000 | 2 | $ 70,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 611,001,000 | 2 | $ 390,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 240,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 460,000 |
| United Bank of Iowa 501 SECOND STREET IDA GROVE, IA 51445 |
* | $ 1,575,399,000 | 2 | $ 50,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 2 | $ 160,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 100,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 2 | $ 390,000 |
| Two Rivers Bank & Trust 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 829,928,000 | 2 | $ 640,000 |
| Farmers State Bank 131 TOWER PARK DRIVE SUITE 100 WATERLOO, IA 50701 |
* | $ 1,056,124,000 | 2 | $ 60,000 |
| Availa Bank 126 W 6TH ST CARROLL, IA 51401 |
* | $ 895,039,000 | 1 | $ 135,000 |
| American Nationwide Mortgage Company, Inc. 3820 NORTHDALE BLVD STE 111A TAMPA, FL 33624 |
* | $ -1,000 | 1 | $ 75,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 753,826,000 | 1 | $ 35,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 135,000 |
| Community State Bank 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ 786,087,000 | 1 | $ 435,000 |
| Earlham Savings Bank 7300 LAKE DRIVE WEST DES MOINES, IA 50266 |
* | $ 296,678,000 | 1 | $ 15,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 285,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 234,032,000,000 | 1 | $ 815,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 348,812,000 | 1 | $ 155,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 355,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Iowa Savings Bank 510 US HWY 30 WEST, PO BOX 967 CARROLL, IA 51401 |
* | $ 195,743,000 | 1 | $ 125,000 |
| American State Bank 1000 JEFFREYS DR OSCEOLA, IA 50213 |
* | $ 212,080,000 | 1 | $ 55,000 |
| Washington State Bank 121 S MARION AVE WASHINGTON, IA 52353 |
* | $ 317,889,000 | 1 | $ 5,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 135,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,715,868,000 | 1 | $ 95,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,039,284,000 | 1 | $ 25,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 115,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 95,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 955,962,000 | 1 | $ 575,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 185,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 375,000 |
| Financial Plus Credit Union 1831 25TH STREET WEST DES MOINES, IA 50266 |
* | $ 171,161,000 | 1 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 25,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 159,291,000,000 | 1 | $ 135,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 5,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 45,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,696,414,000 | 1 | $ 65,000 |
| Farmers and Merchants State Bank 101 W JEFFERSON STREET WINTERSET, IA 50273 |
* | $ 197,121,000 | 1 | $ 145,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 165,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 1 | $ 5,000 |
| First National Bank Ames Iowa 405 5TH ST AMES, IA 50010 |
* | $ 841,750,000 | 1 | $ 165,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 75,169,000,000 | 1 | $ 565,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 315,000 |
| State Savings Bank 4800 MILLS CIVIC PKWY., STE. 100 WEST DES MOINES, IA 50265 |
* | $ 140,013,000 | 1 | $ 65,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 1 | $ 125,000 |
| Core Bank 12100 W CENTER RD OMAHA, NE 68118 |
* | $ 530,188,000 | 1 | $ 325,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 115,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 145,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,686,628,000 | 1 | $ 205,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 16,110,188,000 | 1 | $ 315,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 85,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 125,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 85,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 55,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 185,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 970,766,000 | 1 | $ 275,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ -1,000 | 1 | $ 375,000 |
The tables below break down 2019 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 2019
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 | 289 | $50,295,000 | $174,000 | $1,155,000 | $150,000 | $1,550,000 |
| Refinancing | 136 | $27,210,000 | $200,000 | $745,000 | $146,000 | $1,074,000 |
| Cash-out Refinancing | 77 | $12,915,000 | $167,000 | $485,000 | $94,000 | $254,000 |
| Home Improvement | 36 | $1,860,000 | $51,000 | $335,000 | $92,000 | $204,000 |
| Other Purpose | 33 | $1,565,000 | $47,000 | $315,000 | $67,000 | $173,000 |
| Not Applicable | 2 | $290,000 | $145,000 | $185,000 | $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 | 456 | $74,890,000 | $164,000 | $1,155,000 | $126,000 | $1,550,000 |
| Not applicable | 62 | $10,200,000 | $164,000 | $555,000 | $191,000 | $846,000 |
| Not Provided | 46 | $8,020,000 | $174,000 | $445,000 | $135,000 | $611,000 |
| Hispanic | 7 | $915,000 | $130,000 | $505,000 | $329,000 | $961,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $40,000 | $40,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $58,000 | $58,000 |
| Black or African American | 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) | 463 | $79,945,000 | $172,000 | $1,155,000 | $146,000 | $1,550,000 |
| FHA-insured (Federal Housing Administration) | 50 | $5,080,000 | $101,000 | $255,000 | $50,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,915,000 | $179,000 | $315,000 | $61,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $3,195,000 | $118,000 | $195,000 | $54,000 | $88,000 |
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 | 366 | $61,310,000 | $167,000 | $1,155,000 | $147,000 | $1,550,000 |
| Loan Purchased By The Institution | 70 | $13,570,000 | $193,000 | $485,000 | $169,000 | $846,000 |
| Application Denied By Financial Institution | 66 | $8,230,000 | $124,000 | $355,000 | $72,000 | $257,000 |
| Application Withdrawn By Applicant | 51 | $8,615,000 | $168,000 | $595,000 | $100,000 | $444,000 |
| File Closed For Incompleteness | 11 | $1,565,000 | $142,000 | $365,000 | $35,000 | $97,000 |
| Application Approved But Not Accepted | 9 | $845,000 | $93,000 | $215,000 | $75,000 | $186,000 |
| 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 | 433 | $76,585,000 | $176,000 | $1,155,000 | $136,000 | $1,550,000 |
| Debt-To-Income Ratio | 93 | $12,175,000 | $130,000 | $615,000 | $140,000 | $1,340,000 |
| Collateral | 14 | $1,930,000 | $137,000 | $255,000 | $87,000 | $150,000 |
| Credit History | 12 | $1,120,000 | $93,000 | $255,000 | $67,000 | $174,000 |
| Credit Application Incomplete | 9 | $1,025,000 | $113,000 | $235,000 | $59,000 | $82,000 |
| Other | 7 | $615,000 | $87,000 | $185,000 | $78,000 | $145,000 |
| Unverifiable Information | 3 | $295,000 | $98,000 | $205,000 | $127,000 | $257,000 |
| Employment History | 2 | $390,000 | $195,000 | $195,000 | $84,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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