Habersham County, GA Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,907 mortgage applications in Habersham County, GA totaling $242.4 million, up 10% from 2010. The average application was for $127,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 15% were denied. The most active lender was United Community Bank, with 291 applications, followed by Scbt, NA and JPMorgan Chase Bank, 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 | 1,907 |
| Total Mortgage Loan Application Amount | $242,404,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $2,250,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $696,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,426,039,000 | 291 | $ 33,281,000 |
| Scbt, NA PO BOX 1287 ORANGEBURG, SC 29116 |
* | $ 3,593,230,000 | 219 | $ 18,339,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 216 | $ 27,736,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 167 | $ 23,226,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 2,023,000 | 123 | $ 14,123,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 86 | $ 10,648,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 76 | $ 9,523,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 44 | $ 6,286,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 37 | $ 4,124,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 36 | $ 4,068,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 32 | $ 4,935,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 31 | $ 4,397,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 27 | $ 4,859,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,111,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 24 | $ 3,916,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 22 | $ 2,856,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 22 | $ 3,047,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 22 | $ 3,381,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 19 | $ 3,000,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 18 | $ 2,907,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 17 | $ 2,307,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 15 | $ 2,698,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 2,167,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 10 | $ 1,406,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 1,195,416,000 | 10 | $ 1,675,000 |
| Verity Bank 94 WEST ATHENS ST WINDER, GA 30680 |
* | $ 123,146,000 | 10 | $ 1,222,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 9 | $ 1,929,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 9 | $ 1,618,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 1,149,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 8 | $ 1,386,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 8 | $ 359,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 7 | $ 1,066,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 427,083,000 | 7 | $ 1,025,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ 1,608,491,000 | 6 | $ 1,162,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 6 | $ 968,000 |
| First Citizens Bank 1230 MAIN ST COLUMBIA, SC 29201 |
* | $ 8,203,738,000 | 6 | $ 945,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 6 | $ 843,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 301,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 5 | $ 1,093,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 781,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 846,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 526,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 5 | $ 700,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 5 | $ 463,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 494,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 4 | $ 574,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,270,503,000 | 4 | $ 524,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 1,942,629,000 | 4 | $ 650,000 |
| Community & Southern Bank 3333 RIVERWOOD PARKWAY SUITE #350 ATLANTA, GA 30339 |
* | $ 2,359,340,000 | 3 | $ 374,000 |
| Mountain Valley Community Bank 136 N MAIN ST CLEVELAND, GA 30528 |
* | $ 139,640,000 | 3 | $ 1,296,000 |
| Peach State Bank & Trust 325 WASHINGTON STREET GAINESVILLE, GA 30501 |
* | $ 154,397,000 | 3 | $ 169,000 |
| Guaranty Mortgage Services LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,270,503,000 | 3 | $ 317,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 3 | $ 479,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 3,880,849,000 | 3 | $ 290,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ 10,000,000 | 3 | $ 580,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 3 | $ 498,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 549,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 445,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 485,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 3 | $ 584,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 305,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 3 | $ 535,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 27,908,468,000 | 2 | $ 74,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 2 | $ 1,174,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 287,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 2 | $ 700,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 368,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 262,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 2 | $ 182,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 193,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,939,474,000 | 2 | $ 230,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ 81,511,000 | 2 | $ 341,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,270,503,000 | 2 | $ 349,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 45,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 2 | $ 418,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 537,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 2 | $ 259,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 359,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 67,913,000 | 1 | $ 137,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,068,872,000 | 1 | $ 200,000 |
| Heritage Southeast Bank 101 NORTH MAIN STREET, P.O. BOX 935 JONESBORO, GA 30236 |
* | $ 394,545,000 | 1 | $ 366,000 |
| The Citizens Bank of Georgia 651 VETERANS MEMORIAL BLVD CUMMING, GA 30040 |
* | $ 238,439,000 | 1 | $ 33,000 |
| Gwinnett Community Bank 2775 BUFORD HIGHWAY DULUTH, GA 30096 |
* | $ 504,169,000 | 1 | $ 214,000 |
| Midtown Bank & Trust Company 712 WEST PEACHTREE ST ATLANTA, GA 30308 |
* | $ 197,967,000 | 1 | $ 182,000 |
| Park Avenue Bank P O BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 953,349,000 | 1 | $ 100,000 |
| McGraw Hill 120 WINDSOR CENTER DRIVE EAST WINDSOR, NJ 08520 |
* | $ 240,933,000 | 1 | $ 143,000 |
| Southeastern Credit Union P.O. BOX 2067 VALDOSTA, GA 31604 |
* | $ 151,903,000 | 1 | $ 147,000 |
| Foothills Community Bank 70 CARLISLE ROAD DAWSONVILLE, GA 30534 |
* | $ 118,208,000 | 1 | $ 280,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 97,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 135,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 59,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,181,819,000 | 1 | $ 71,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 3,261,135,000 | 1 | $ 77,000 |
| The Commercial Bank 102 N. CHURCH STREET CRAWFORD, GA 30630 |
* | $ 102,746,000 | 1 | $ 10,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 213,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 44,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 636,542,000 | 1 | $ 89,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 68,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ 3,295,000 | 1 | $ 132,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 76,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 595,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 223,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 111,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 155,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 163,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 205,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 140,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 90,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ 10,000,000 | 1 | $ 56,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 147,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 143,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Anchor Funding Corp 3260 POINTE PARKWAY NORCROSS, GA 30092 |
* | $ 10,700,000 | 1 | $ 194,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 105,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 216,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 125,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 133,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 127,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,362,287,000 | 1 | $ 177,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 165,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 142,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 110,000 |
The tables below break down 2011 mortgage applications in Habersham County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Habersham County, GA in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,229 | $179,478,000 | $146,000 | $2,250,000 | $59,000 | $645,000 |
| Home Purchase | 576 | $60,016,000 | $104,000 | $650,000 | $50,000 | $696,000 |
| Home Improvement | 102 | $2,910,000 | $28,000 | $305,000 | $42,000 | $147,000 |
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 | 1,386 | $173,820,000 | $125,000 | $900,000 | $61,000 | $696,000 |
| Not applicable | 210 | $34,771,000 | $165,000 | $2,250,000 | $23,000 | $480,000 |
| Hispanic | 117 | $8,751,000 | $74,000 | $227,000 | $38,000 | $231,000 |
| Not Provided | 116 | $18,188,000 | $156,000 | $417,000 | $68,000 | $557,000 |
| Asian | 54 | $4,513,000 | $83,000 | $315,000 | $47,000 | $105,000 |
| Black or African American | 21 | $2,043,000 | $97,000 | $178,000 | $27,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $318,000 | $106,000 | $150,000 | $34,000 | $36,000 |
| American Indian or Alaskan Native | 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) | 1,357 | $173,145,000 | $127,000 | $2,250,000 | $62,000 | $696,000 |
| FHA-insured (Federal Housing Administration) | 272 | $35,930,000 | $132,000 | $274,000 | $39,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 211 | $22,153,000 | $104,000 | $237,000 | $35,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 67 | $11,176,000 | $166,000 | $350,000 | $38,000 | $150,000 |
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 | 961 | $115,915,000 | $120,000 | $2,250,000 | $55,000 | $626,000 |
| Loan Purchased By The Institution | 398 | $52,146,000 | $131,000 | $417,000 | $42,000 | $511,000 |
| Application Denied By Financial Institution | 286 | $37,041,000 | $129,000 | $673,000 | $59,000 | $696,000 |
| Application Withdrawn By Applicant | 177 | $25,247,000 | $142,000 | $650,000 | $70,000 | $391,000 |
| Application Approved But Not Accepted | 44 | $4,910,000 | $111,000 | $334,000 | $71,000 | $379,000 |
| File Closed For Incompleteness | 41 | $7,145,000 | $174,000 | $900,000 | $77,000 | $540,000 |
| 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 | 54 | $9,165,000 | $169,000 | $600,000 | $87,000 | $645,000 |
| Credit History | 49 | $4,115,000 | $83,000 | $362,000 | $41,000 | $88,000 |
| Debt-To-Income Ratio | 36 | $5,157,000 | $143,000 | $673,000 | $45,000 | $325,000 |
| Credit Application Incomplete | 28 | $4,512,000 | $161,000 | $310,000 | $61,000 | $200,000 |
| Other | 12 | $1,424,000 | $118,000 | $180,000 | $54,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $348,000 | $87,000 | $142,000 | $19,000 | $38,000 |
| Unverifiable Information | 3 | $766,000 | $255,000 | $375,000 | $77,000 | $120,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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