Hardin County, IA Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 924 mortgage applications in Hardin County, IA totaling $67.0 million, down 18% from 2006. The average application was for $72,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was Liberty Bank F.S.B., with 83 applications, followed by Countrywide Home Loans and Beneficial Company LLC.
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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 | 924 |
| Total Mortgage Loan Application Amount | $66,952,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $2,205,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $723,000 |
* 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 |
|---|---|---|---|---|
| Liberty Bank F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 881,762,000 | 83 | $ 4,058,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 69 | $ 5,651,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 59 | $ 4,197,000 |
| Iowa Bankers Mortgage Corporat 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 57 | $ 5,251,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 43 | $ 3,812,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 40 | $ 2,781,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 38 | $ 2,675,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 38 | $ 3,072,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 886,000 |
| Wells Fargo Fin'l Iowa 3, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 24 | $ 1,874,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 21 | $ 1,346,000 |
| Peoples Savings Bank PO BOX 248 WELLSBURG, IA 50680 |
* | $ 58,067,000 | 20 | $ 815,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 17 | $ 684,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 16 | $ 1,208,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 16 | $ 1,300,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 15 | $ 956,000 |
| F&M Bank - Iowa 11 N 1ST AVENUE MARSHALLTOWN, IA 50158 |
* | $ 412,533,000 | 15 | $ 1,067,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 14 | $ 1,176,000 |
| Security State Bank P O BOX 549 211 E. MAPLE ST. HUBBARD, IA 50122 |
* | $ 39,854,000 | 14 | $ 673,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 13 | $ 758,000 |
| Ackley State Bank 650 MAIN ST BOX 149 ACKLEY, IA 50601 |
* | $ 114,865,000 | 12 | $ 449,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 12 | $ 1,263,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 11 | $ 941,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 55,642,936,000 | 10 | $ 299,000 |
| Ames Community Bank PO BOX 132 AMES, IA 50010 |
* | $ 196,927,000 | 10 | $ 264,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 10 | $ 623,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 9 | $ 440,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 9 | $ 284,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 8 | $ 511,000 |
| Midwest Heritage Bank, FSB 1025 BRADEN AVENUE, P. O. BOX 331 CHARITON, IA 50049 |
* | $ 124,791,000 | 7 | $ 516,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,176,694,000 | 7 | $ 437,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 5 | $ 396,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 5 | $ 339,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 5 | $ 64,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 5 | $ 377,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 5 | $ 378,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 5 | $ 473,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 5 | $ 418,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 315,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 4 | $ 448,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 390,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 4 | $ 238,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 7,516,604,000 | 4 | $ 103,000 |
| Grundy National Bank 529 G AVENUE GRUNDY CENTER, IA 50638 |
* | $ 166,192,000 | 4 | $ 190,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 4 | $ 406,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 4 | $ 247,000 |
| First State Bank 120 W CENTER CONRAD, IA 50621 |
* | $ 111,941,000 | 4 | $ 366,000 |
| Midwest Loan Services, Corp. 2020 SYLVIA AVE NE STE A CEDAR RAPIDS, IA 52402 |
* | $ 125,000 | 4 | $ 253,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 4 | $ 394,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 403,000 |
| Farm Credit Services of America, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 686,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 306,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 3 | $ 207,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 266,000 |
| Sallie Mae Home Loans 28175 CABOT DR NOVI, MI 48377 |
* | $ 10,000,000 | 3 | $ 253,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 3 | $ 262,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,914,631,000 | 3 | $ 232,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 3 | $ 247,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 3 | $ 217,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 2 | $ 39,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 113,000 |
| First American Bank 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,549,755,000 | 2 | $ 218,000 |
| First Federal Savings Bank Ia 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 516,754,000 | 2 | $ 49,000 |
| West Bank 1601 22ND STREET WEST DES MOINES, IA 50266 |
* | $ 1,250,740,000 | 2 | $ 201,000 |
| Reliance State Bank 606 BROAD ST STORY CITY, IA 50248 |
* | $ 73,862,000 | 2 | $ 399,000 |
| Greater Iowa Credit Union 801 LINCOLN WAY AMES, IA 50010 |
* | $ 208,286,000 | 2 | $ 93,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 107,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 284,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 136,000 |
| The Lending Connection, Inc 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 13,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Draper and Kramer Mortgage Cor 400 QUADRANGLE DR. STE A BOLINGBROOK, IL 60440 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Performance Credit Corporation 2040 MAIN STREET, SUITE 800B IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Advent Mortgage, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 1 | $ 98,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 71,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 64,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 4,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 248,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 1 | $ 86,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 72,000 |
| Valley Bank 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 553,997,000 | 1 | $ 60,000 |
| Union Bank and Trust Company PO BOX 82535 LINCOLN, NE 68501 |
* | $ 1,518,244,000 | 1 | $ 39,000 |
| Lincoln Savings Bank 301 WASHINGTON ST REINBECK, IA 50669 |
* | $ 404,818,000 | 1 | $ 68,000 |
| Rose Land and Finance Corp. 241 EAST SAGINAW PO BOX 980 EAST LANSING, MI 48826 |
* | $ 546,462,000 | 1 | $ 11,000 |
| Cedar Rapids Bank and Trust 500 1ST AVENUE NE SUITE 100 CEDAR RAPIDS, IA 52401 |
* | $ 342,574,000 | 1 | $ 96,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 110,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 1 | $ 80,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 41,551,082,000 | 1 | $ 25,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 1 | $ 217,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 97,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 68,000 |
| Members1st Community Credit Union 910 S 12TH AVE,PO BOX 777 MARSHALLTOWN, IA 50158 |
* | $ 102,346,000 | 1 | $ 38,000 |
| Northwest Bank 101 W 5TH ST. SPENCER, IA 51301 |
* | $ 714,244,000 | 1 | $ 46,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 272,362,000 | 1 | $ 25,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 1 | $ 58,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 36,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 93,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 52,000 |
| Bank Iowa 420 8TH ST SE, PO BOX 535 ALTOONA, IA 50009 |
* | $ 122,757,000 | 1 | $ 2,205,000 |
| Bank of Rogers 801 N DIXIELAND RD ROGERS, AR 72756 |
* | $ 171,577,000 | 1 | $ 65,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 30,802,955,000 | 1 | $ 10,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 802,048,000 | 1 | $ 99,000 |
| Community State Bank, NA 817 N ANKENY BLVD ANKENY, IA 50023 |
* | $ 621,854,000 | 1 | $ 19,000 |
| Webster Bank, N.A. 145 BANK ST WATERBURY, CT 06702 |
* | $ 16,847,591,000 | 1 | $ 62,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 7,641,954,000 | 1 | $ 43,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 60,000 |
The tables below break down 2007 mortgage applications in Hardin 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 Hardin County, IA in 2007
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 | 451 | $38,380,000 | $85,000 | $2,205,000 | $60,000 | $723,000 |
| Home Purchase | 331 | $23,703,000 | $71,000 | $267,000 | $48,000 | $176,000 |
| Home Improvement | 142 | $4,869,000 | $34,000 | $271,000 | $56,000 | $196,000 |
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 | 784 | $55,588,000 | $70,000 | $520,000 | $56,000 | $723,000 |
| Not Provided | 76 | $5,007,000 | $65,000 | $216,000 | $66,000 | $720,000 |
| Not applicable | 39 | $5,344,000 | $137,000 | $2,205,000 | $26,000 | $113,000 |
| Hispanic | 21 | $663,000 | $31,000 | $90,000 | $33,000 | $78,000 |
| American Indian or Alaskan Native | 3 | $89,000 | $29,000 | $70,000 | $38,000 | $54,000 |
| Black or African American | 1 | $261,000 | $261,000 | $261,000 | $120,000 | $120,000 |
| 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) | 889 | $64,222,000 | $72,000 | $2,205,000 | $56,000 | $723,000 |
| FHA-insured (Federal Housing Administration) | 24 | $1,797,000 | $74,000 | $139,000 | $42,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 9 | $866,000 | $96,000 | $174,000 | $43,000 | $75,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $67,000 | $33,000 | $35,000 | $25,000 | $27,000 |
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 | 460 | $33,510,000 | $72,000 | $2,205,000 | $56,000 | $723,000 |
| Application Denied By Financial Institution | 225 | $15,088,000 | $67,000 | $520,000 | $53,000 | $288,000 |
| Loan Purchased By The Institution | 96 | $7,810,000 | $81,000 | $232,000 | $43,000 | $113,000 |
| Application Approved But Not Accepted | 60 | $4,326,000 | $72,000 | $374,000 | $61,000 | $576,000 |
| Application Withdrawn By Applicant | 59 | $4,316,000 | $73,000 | $180,000 | $67,000 | $720,000 |
| File Closed For Incompleteness | 24 | $1,902,000 | $79,000 | $216,000 | $68,000 | $240,000 |
| 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 | 37 | $2,122,000 | $57,000 | $520,000 | $53,000 | $233,000 |
| Collateral | 31 | $2,821,000 | $91,000 | $248,000 | $72,000 | $288,000 |
| Debt-To-Income Ratio | 17 | $1,184,000 | $69,000 | $137,000 | $59,000 | $120,000 |
| Other | 15 | $981,000 | $65,000 | $236,000 | $53,000 | $120,000 |
| Credit Application Incomplete | 8 | $483,000 | $60,000 | $175,000 | $72,000 | $151,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $179,000 | $44,000 | $73,000 | $34,000 | $48,000 |
| Unverifiable Information | 2 | $83,000 | $41,000 | $52,000 | $111,000 | $150,000 |
| 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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