In 2011, lenders reported 1,367 mortgage applications in Halifax County, NC totaling $152.6 million, down 4% from 2010. The average application was for $111,000, and applicants reported an average income of $64,000. 38% of applications resulted in an originated loan and 31% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 214 applications, followed by Truist Bank and State Employees' 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 | 1,367 |
| Total Mortgage Loan Application Amount | $152,596,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,680,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 214 | $ 14,755,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 191 | $ 22,148,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 23,061,183,000 | 95 | $ 8,836,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 93 | $ 11,786,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 66 | $ 6,472,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 63 | $ 8,619,000 |
| New Republic Savings Bank 420 BECKER DRIVE ROANOKE RAPIDS, NC 27870 |
* | $ 53,368,000 | 56 | $ 5,579,000 |
| Southern Bank and Trust Compan PO BOX 729 MT OLIVE, NC 28365 |
* | $ 1,337,305,000 | 53 | $ 6,087,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 49 | $ 4,826,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 41 | $ 4,450,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 38 | $ 2,122,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 35 | $ 1,712,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 21 | $ 2,594,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,797,006,000 | 20 | $ 3,558,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 19 | $ 2,114,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 15 | $ 1,005,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 12 | $ 1,952,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 12 | $ 2,147,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,085,592,000 | 12 | $ 1,380,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 10 | $ 2,274,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,965,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 9 | $ 1,433,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 9 | $ 1,363,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 1,666,000 |
| First South Bank 1311 CAROLINA AVE WASHINGTON, NC 27889 |
* | $ 790,705,000 | 8 | $ 733,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 7 | $ 858,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 7 | $ 824,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 1,394,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 6 | $ 858,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 6 | $ 756,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 5 | $ 643,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 5 | $ 890,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 979,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 669,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 4 | $ 478,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 432,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 4 | $ 464,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 4 | $ 57,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 3 | $ 70,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,166,000 | 3 | $ 19,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 676,387,000 | 3 | $ 1,048,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 587,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 3 | $ 648,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 247,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 3 | $ 714,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 386,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 312,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 218,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 117,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ 100,000,000 | 2 | $ 311,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 542,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 460,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 802,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 496,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 2 | $ 220,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 340,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 165,800,581,000 | 2 | $ 828,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 2 | $ 138,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 157,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 632,904,000 | 2 | $ 428,000 |
| Trumark Financial Credit Union 335 COMMERCE DRIVE FORT WASHINGTON, PA 19034 |
* | $ 1,274,317,000 | 2 | $ 150,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,240,280,000 | 2 | $ 86,000 |
| Prince Georges Community FCU 15201 HALL ROAD BOWIE, MD 20721 |
* | $ 120,069,000 | 2 | $ 53,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 1,944,330,000 | 2 | $ 422,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,804,090,000 | 2 | $ 735,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 2 | $ 371,000 |
| First Financial Services, Inc. 6230 FAIRVIEW RD, 450 CHARLOTTE, NC 28210 |
* | $ 842,786,000 | 2 | $ 930,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 902,312,000 | 2 | $ 200,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 95,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 123,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 1 | $ 41,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 94,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 49,000 |
| Community First Bank 11426 YORK ROAD HUNT VALLEY, MD 21030 |
* | $ 58,132,000 | 1 | $ 130,000 |
| Xenith Bank 901 E. CARY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 2,579,350,000 | 1 | $ 75,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 193,110,000 | 1 | $ 116,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 131,000 |
| Randolph Bank & Trust Co PO BOX 1888 ASHEBORO, NC 27205 |
* | $ 291,737,000 | 1 | $ 264,000 |
| Ocean Financial FCU 45 ATLANTIC AVENUE OCEANSIDE, NY 11572 |
* | $ 222,907,000 | 1 | $ 100,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,094,079,000 | 1 | $ 25,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 1 | $ 75,000 |
| Select Bank & Trust Company 3600 CHARLES BOULEVARD GREENVILLE, NC 27858 |
* | $ 193,904,000 | 1 | $ 95,000 |
| Providence Bank 450 N WINSTEAD AVE ROCKY MOUNT, NC 27803 |
* | $ 166,507,000 | 1 | $ 20,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 125,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,320,979,000 | 1 | $ 194,000 |
| Bronco Federal Credit Union 135 STEWART DR FRANKLIN, VA 23851 |
* | $ 203,308,000 | 1 | $ 198,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 38,055,567,000 | 1 | $ 180,000 |
| First Priority Financial 3700 HILBORN ROAD, SUITE 700 FAIRFIELD, AL 94534 |
* | $ 19,696,000 | 1 | $ 400,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 75,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 15,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 90,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 62,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 91,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 323,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 256,084,000 | 1 | $ 106,000 |
| Walker Jackson Mortgage Corpor 14501 GEORGE CARTER WAY CHANTILLY, VA 20151 |
* | $ 292,944,000 | 1 | $ 159,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 200,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ 10,000,000 | 1 | $ 218,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 126,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 86,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 85,000 |
| Suburban Mortgage Co of Nm 9401 JERONIMO ROAD STE 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 1,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 404,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 143,000 |
The tables below break down 2011 mortgage applications in Halifax County, NC 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 |
|---|---|---|---|---|---|---|
| Refinancing | 747 | $95,696,000 | $128,000 | $900,000 | $71,000 | $852,000 |
| Home Purchase | 559 | $53,211,000 | $95,000 | $825,000 | $55,000 | $1,680,000 |
| Home Improvement | 61 | $3,689,000 | $60,000 | $800,000 | $65,000 | $803,000 |
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 | 664 | $86,619,000 | $130,000 | $900,000 | $82,000 | $1,680,000 |
| Black or African American | 459 | $36,288,000 | $79,000 | $351,000 | $43,000 | $413,000 |
| Not Provided | 128 | $15,099,000 | $117,000 | $525,000 | $60,000 | $480,000 |
| Not applicable | 45 | $7,459,000 | $165,000 | $825,000 | $44,000 | $1,455,000 |
| American Indian or Alaskan Native | 40 | $3,575,000 | $89,000 | $182,000 | $45,000 | $118,000 |
| Hispanic | 15 | $1,125,000 | $75,000 | $200,000 | $44,000 | $110,000 |
| Asian | 11 | $1,764,000 | $160,000 | $280,000 | $116,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $667,000 | $133,000 | $266,000 | $76,000 | $198,000 |
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) | 1,037 | $115,350,000 | $111,000 | $900,000 | $71,000 | $1,680,000 |
| FHA-insured (Federal Housing Administration) | 234 | $25,405,000 | $108,000 | $525,000 | $42,000 | $413,000 |
| VA-guaranteed (Veterans Administration) | 58 | $7,504,000 | $129,000 | $404,000 | $45,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $4,337,000 | $114,000 | $187,000 | $37,000 | $73,000 |
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 | 518 | $64,322,000 | $124,000 | $825,000 | $81,000 | $1,680,000 |
| Application Denied By Financial Institution | 420 | $38,054,000 | $90,000 | $900,000 | $46,000 | $670,000 |
| Application Approved But Not Accepted | 153 | $11,072,000 | $72,000 | $417,000 | $46,000 | $351,000 |
| Loan Purchased By The Institution | 130 | $19,374,000 | $149,000 | $825,000 | $68,000 | $1,455,000 |
| Application Withdrawn By Applicant | 105 | $13,266,000 | $126,000 | $533,000 | $64,000 | $478,000 |
| File Closed For Incompleteness | 41 | $6,508,000 | $158,000 | $470,000 | $94,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 100 | $7,051,000 | $70,000 | $280,000 | $47,000 | $230,000 |
| Debt-To-Income Ratio | 57 | $5,773,000 | $101,000 | $357,000 | $37,000 | $89,000 |
| Collateral | 39 | $4,488,000 | $115,000 | $900,000 | $91,000 | $670,000 |
| Other | 15 | $1,676,000 | $111,000 | $323,000 | $53,000 | $246,000 |
| Credit Application Incomplete | 10 | $1,113,000 | $111,000 | $250,000 | $93,000 | $480,000 |
| Unverifiable Information | 8 | $869,000 | $108,000 | $282,000 | $52,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $492,000 | $98,000 | $295,000 | $45,000 | $67,000 |
| Employment History | 2 | $294,000 | $147,000 | $165,000 | $26,000 | $41,000 |
| 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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