Halifax County, VA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,181 mortgage applications in Halifax County, VA totaling $133.3 million, down 17% from 2008. The average application was for $112,000, and applicants reported an average income of $56,000. 44% of applications resulted in an originated loan and 26% were denied. The most active lender was Branch Banking and Trust Co, with 165 applications, followed by Bank of America, N.A. and Wells Fargo 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 | 1,181 |
| Total Mortgage Loan Application Amount | $133,343,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $543,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $884,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 165 | $ 18,456,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 128 | $ 15,944,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 96 | $ 11,110,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 67 | $ 7,422,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 65 | $ 8,980,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 49 | $ 5,607,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 48 | $ 2,215,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 35 | $ 3,802,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 2,800,478,000 | 29 | $ 1,360,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 26 | $ 1,620,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 26 | $ 2,259,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 25 | $ 1,281,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 21 | $ 3,058,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 20 | $ 3,900,000 |
| American National Bank and Trust Company 628 MAIN STREET DANVILLE, VA 24541 |
* | $ 788,435,000 | 19 | $ 2,157,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 16 | $ 1,963,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 16 | $ 2,152,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 1,836,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 15 | $ 1,417,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 15 | $ 687,000 |
| The Bank of Charlotte County 101 BERKLEY STREET PHENIX, VA 23959 |
* | $ 117,690,000 | 13 | $ 1,021,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 13 | $ 1,344,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 13 | $ 1,934,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 12 | $ 1,322,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 11 | $ 1,591,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 10 | $ 1,459,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,250,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 819,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 7 | $ 778,000 |
| First National Bk of the South P.O. BOX 3508 SPARTANBURG, SC 29304 |
* | $ 814,340,000 | 6 | $ 888,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 6 | $ 529,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 13,862,840,000 | 6 | $ 902,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 6 | $ 551,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 5 | $ 834,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 5 | $ 422,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 5 | $ 534,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 5 | $ 411,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 519,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 796,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 5 | $ 669,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 548,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 4 | $ 437,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 4 | $ 522,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 388,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 3 | $ 307,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,686,491,000 | 3 | $ 340,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 406,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 3 | $ 496,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 3 | $ 1,085,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 3 | $ 177,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 3 | $ 168,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 3 | $ 488,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 2 | $ 362,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 2 | $ 212,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 102,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 62,318,000 | 2 | $ 162,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 2 | $ 355,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 258,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 439,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 134,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 181,000 |
| Cardinal Financial Company 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 2 | $ 130,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 2 | $ 398,000 |
| Metamerica Mortgage 5151 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 10,000,000 | 2 | $ 124,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Dragas Mortgage Company 4532 BONNEY ROAD SUITE A VIRGINIA BEACH, VA 23462 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 246,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 135,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, #100 PLYMOUTH, MN 55441 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ 10,000,000 | 1 | $ 511,000 |
| Dell Franklin Financial LLC 8334 VETERANS HIGHWAY, SUITE #1 MILLERSVILLE, MD 21108 |
* | $ 9,519,000 | 1 | $ 173,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 182,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 130,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 25,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 184,000 |
| Lendmark Mortgage and Finance 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 1 | $ 76,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 124,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 245,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 1 | $ 134,000 |
| Roanoke Postal Employees' FCU PO BOX 12405 ROANOKE, VA 24025 |
* | $ 98,237,000 | 1 | $ 36,000 |
| Urw Community Federal Credit U 539 ARNETT BLVD DANVILLE, VA 24540 |
* | $ 71,818,000 | 1 | $ 11,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 200,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 77,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 147,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 223,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 138,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 124,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 16,639,856,000 | 1 | $ 53,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ 298,851,000 | 1 | $ 102,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 597,236,000 | 1 | $ 162,000 |
| The Fidelity Bank 100 S. MAIN STREET FUQUAY-VARINA, NC 27526 |
* | $ 1,389,955,000 | 1 | $ 10,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 175,104,000 | 1 | $ 185,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 1,219,917,000 | 1 | $ 200,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 1 | $ 93,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,196,580,000 | 1 | $ 106,000 |
| Southern Community Bank and Tr 465 SHEPHERD STREET WINSTON SALEM, NC 27103 |
* | $ 1,800,127,000 | 1 | $ 90,000 |
| The Citizens National Bank 29 WEST WHIPP ROAD DAYTON, OH 45459 |
* | $ 100,249,000 | 1 | $ 38,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 126,000 |
| The Farmers Bank of Appomattox 223 MAIN ST APPOMATTOX, VA 24522 |
* | $ 154,407,000 | 1 | $ 46,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 139,000 |
| First National Bank P. O. BOX 29, 622 BROAD STREET ALTAVISTA, VA 24517 |
* | $ 320,948,000 | 1 | $ 264,000 |
| Beach First National Bank 3751 GRISSOM PARKWAY, SUITE 100 MYRTLE BEACH, SC 29577 |
* | $ 657,891,000 | 1 | $ 82,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 101,000 |
The tables below break down 2009 mortgage applications in Halifax County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Halifax County, VA in 2009
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 | 823 | $95,688,000 | $116,000 | $350,000 | $56,000 | $884,000 |
| Home Purchase | 283 | $33,615,000 | $118,000 | $543,000 | $58,000 | $414,000 |
| Home Improvement | 75 | $4,040,000 | $53,000 | $511,000 | $47,000 | $200,000 |
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 | 729 | $86,536,000 | $118,000 | $543,000 | $64,000 | $884,000 |
| Black or African American | 246 | $22,464,000 | $91,000 | $297,000 | $42,000 | $181,000 |
| Not Provided | 114 | $14,507,000 | $127,000 | $309,000 | $59,000 | $318,000 |
| Not applicable | 80 | $8,812,000 | $110,000 | $511,000 | $23,000 | $113,000 |
| Hispanic | 5 | $370,000 | $74,000 | $156,000 | $39,000 | $46,000 |
| Asian | 3 | $289,000 | $96,000 | $104,000 | $54,000 | $67,000 |
| American Indian or Alaskan Native | 2 | $179,000 | $89,000 | $138,000 | $8,000 | $16,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $186,000 | $93,000 | $99,000 | $44,000 | $48,000 |
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) | 778 | $85,601,000 | $110,000 | $543,000 | $63,000 | $884,000 |
| FHA-insured (Federal Housing Administration) | 333 | $40,309,000 | $121,000 | $276,000 | $44,000 | $696,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $4,431,000 | $100,000 | $204,000 | $36,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,002,000 | $115,000 | $241,000 | $34,000 | $112,000 |
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 | 516 | $61,970,000 | $120,000 | $511,000 | $67,000 | $884,000 |
| Application Denied By Financial Institution | 305 | $29,027,000 | $95,000 | $330,000 | $48,000 | $696,000 |
| Loan Purchased By The Institution | 139 | $17,662,000 | $127,000 | $400,000 | $38,000 | $381,000 |
| Application Withdrawn By Applicant | 124 | $13,238,000 | $106,000 | $298,000 | $52,000 | $260,000 |
| File Closed For Incompleteness | 51 | $6,281,000 | $123,000 | $290,000 | $59,000 | $227,000 |
| Application Approved But Not Accepted | 45 | $5,114,000 | $113,000 | $543,000 | $49,000 | $228,000 |
| Preapproval Denied by Financial Institution | 1 | $51,000 | $51,000 | $51,000 | $30,000 | $30,000 |
| Preapproval Approved but not Accepted | 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 | 68 | $5,286,000 | $77,000 | $201,000 | $43,000 | $134,000 |
| Collateral | 47 | $6,129,000 | $130,000 | $309,000 | $81,000 | $696,000 |
| Debt-To-Income Ratio | 36 | $3,272,000 | $90,000 | $200,000 | $39,000 | $126,000 |
| Other | 14 | $1,308,000 | $93,000 | $291,000 | $49,000 | $127,000 |
| Credit Application Incomplete | 13 | $1,479,000 | $113,000 | $219,000 | $55,000 | $160,000 |
| Unverifiable Information | 5 | $495,000 | $99,000 | $164,000 | $98,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $225,000 | $112,000 | $140,000 | $53,000 | $54,000 |
| Mortgage Insurance Denied | 1 | $117,000 | $117,000 | $117,000 | $40,000 | $40,000 |
| Employment History | 1 | $148,000 | $148,000 | $148,000 | $25,000 | $25,000 |
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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