Hardy County, WV Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 570 mortgage applications in Hardy County, WV totaling $46.4 million. The average application was for $81,000, and applicants reported an average income of $59,000. 40% of applications resulted in an originated loan and 28% were denied. The most active lender was The Grant County Bank, with 57 applications, followed by PHH Mortgage Corporation and Wells Fargo Home Mortgage.
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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 | 570 |
| Total Mortgage Loan Application Amount | $46,442,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $400,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $396,000 |
* 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 |
|---|---|---|---|---|
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 169,945,000 | 57 | $ 2,896,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 43 | $ 4,210,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 29 | $ 3,090,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 23 | $ 2,114,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 946,858,000 | 22 | $ 1,362,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 19 | $ 2,433,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 17 | $ 1,498,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 17 | $ 965,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 16 | $ 1,305,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,094,000 |
| Shenandoah Valley Nat Bank PO BOX 3550 WINCHESTER, VA 22604 |
* | $ 177,419,000 | 15 | $ 1,544,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 13 | $ 506,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 13 | $ 1,078,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 13 | $ 484,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 12 | $ 808,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 11 | $ 1,306,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 11 | $ 1,082,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 11 | $ 934,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 8 | $ 657,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 7 | $ 463,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 7 | $ 877,000 |
| Chapel Mortgage 593 RANCOCAS ROAD PO BOX 550 RANCOCAS, NJ 08073 |
* | $ 10,000,000 | 7 | $ 551,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 6 | $ 492,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 6 | $ 482,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 6 | $ 429,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 5 | $ 265,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 5 | $ 576,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 482,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 4 | $ 398,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 4 | $ 449,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 4 | $ 234,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 4 | $ 348,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 3 | $ 182,000 |
| Citimortgage, Inc 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 281,018,000,000 | 3 | $ 231,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 76,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 3 | $ 435,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 3 | $ 168,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 3 | $ 229,000 |
| First Virginia Bank Blue Ridge 223 WEST NASH STREET WILSON, NC 27893 |
* | $ 582,367,000 | 3 | $ 227,000 |
| Synergy Mortgage Corp. 510 N. VALLEY MILLS DRIVE SUITE 101 WACO, TX 76710 |
* | $ 10,000,000 | 3 | $ 159,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 3 | $ 105,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 3 | $ 184,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 3 | $ 258,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 79,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 12,348,756,000 | 3 | $ 114,000 |
| United First Mortgage 1503 SANTA ROSA ROAD, SUITE 109 RICHMOND, VA 23229 |
* | $ 13,934,000 | 2 | $ 246,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 447,168,000 | 2 | $ 95,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 357,432,000 | 2 | $ 182,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 2 | $ 254,000 |
| HSBC Mortgage Corporation ONE HSBC CENTER BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 2 | $ 202,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,987,381,000 | 2 | $ 254,000 |
| Keybank USA, N.A. 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 8,943,095,000 | 2 | $ 91,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 2 | $ 173,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 2 | $ 126,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 968,367,000 | 2 | $ 190,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 305,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 2 | $ 105,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,020,565,000 | 2 | $ 62,000 |
| Credit Union Mortgage Assoc. 9693-A MAIN STREET FAIRFAX, VA 22031 |
* | $ 435,000,000 | 2 | $ 161,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Columbia National, Inc. 7142 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 |
* | $ 31,000,000 | 1 | $ 114,000 |
| Continental Capital Corp 290 BROADWAY ROAD, SUITE 201 MELVILLE, NY 11747 |
* | $ 863,473,000 | 1 | $ 4,000 |
| Continental Capital Corp 290 BROADHOLLOW ROAD 2ND FLOOR EAST MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 4,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 23,205,467,000 | 1 | $ 15,000 |
| Emmco, LLC 113 REED AVENUE LEXINGTON, SC 29072 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 1 | $ 83,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 76,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 1 | $ 60,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 1 | $ 68,000 |
| American Home Bank 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 72,365,000 | 1 | $ 150,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 1 | $ 128,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 598,458,000 | 1 | $ 54,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 1,554,014,000 | 1 | $ 60,000 |
| Alliance Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 266,123,000 | 1 | $ 95,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 69,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 43,721,511,000 | 1 | $ 39,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 1 | $ 104,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Monticello Bank 10696 ST. AUGUSTINE ROAD JACKSONVILLE, FL 32257 |
* | $ 95,872,000 | 1 | $ 75,000 |
| Liberty Mortgage Corporation 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 1 | $ 74,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 11,903,989,000 | 1 | $ 196,000 |
| Jefferson Security Bank P.O. BOX 35 SHEPHERDSTOWN, WV 25443 |
* | $ 175,338,000 | 1 | $ 95,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 67,000 |
| HSBC Bank, USA ONE HSBC CENTER/24TH FLOOR BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 1 | $ 71,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 85,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 1 | $ 40,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 1 | $ 63,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 27,399,278,000 | 1 | $ 125,000 |
| The Marathon Bank 1200 GROSSCUP AVENUE DUNBAR, WV 25064 |
* | $ 223,143,000 | 1 | $ 165,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,366,324,000 | 1 | $ 116,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,462,208,000 | 1 | $ 10,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 364,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Platinum Capital Group 17101 ARMSTRONG AVE. SUITE 200 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Valley Farm Credit, Aca 125 PROSPERITY DR. WINCHESTER, VA 22602 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Watermark Financial Partners 4582 S ULSTER ST, SUITE 300 DENVER, CO 80237 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 1 | $ 34,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,044,723,000 | 1 | $ 15,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Wright Experss Fsc 3995 SOUTH 700 EAST, SUITE 450 SALT LAKE CITY, UT 84107 |
* | $ 253,533,000 | 1 | $ 62,000 |
The tables below break down 2003 mortgage applications in Hardy County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Hardy County, WV in 2003
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 (home purchase or home improvement, one-to-four family) | 349 | $30,072,000 | $86,000 | $364,000 | $56,000 | $295,000 |
| Home Purchase (one-to-four family) | 180 | $15,510,000 | $86,000 | $400,000 | $65,000 | $396,000 |
| Home Improvement (one-to-four family) | 41 | $860,000 | $20,000 | $128,000 | $52,000 | $131,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 414 | $32,973,000 | $79,000 | $400,000 | $57,000 | $388,000 |
| Information not provided by applicant in mail or telephone application | 120 | $10,830,000 | $90,000 | $364,000 | $71,000 | $396,000 |
| Not applicable | 17 | $1,393,000 | $81,000 | $166,000 | $0 | $0 |
| Black | 7 | $433,000 | $61,000 | $248,000 | $56,000 | $130,000 |
| Hispanic | 7 | $511,000 | $73,000 | $153,000 | $81,000 | $139,000 |
| Other | 4 | $252,000 | $63,000 | $100,000 | $80,000 | $143,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $60,000 | $60,000 |
| Asian or 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) | 548 | $44,368,000 | $80,000 | $400,000 | $60,000 | $396,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,285,000 | $85,000 | $130,000 | $33,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 7 | $789,000 | $112,000 | $264,000 | $33,000 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 228 | $19,043,000 | $83,000 | $400,000 | $75,000 | $396,000 |
| Application Denied By Financial Institution | 162 | $11,079,000 | $68,000 | $300,000 | $51,000 | $388,000 |
| Loan Purchased By The Institution | 76 | $6,795,000 | $89,000 | $268,000 | $32,000 | $201,000 |
| Application Withdrawn By Applicant | 66 | $5,694,000 | $86,000 | $236,000 | $59,000 | $295,000 |
| Application Approved But Not Accepted | 25 | $2,401,000 | $96,000 | $300,000 | $54,000 | $215,000 |
| File Closed For Incompleteness | 13 | $1,430,000 | $110,000 | $252,000 | $55,000 | $200,000 |
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 | 46 | $3,164,000 | $68,000 | $300,000 | $56,000 | $288,000 |
| Collateral | 25 | $1,950,000 | $78,000 | $183,000 | $64,000 | $388,000 |
| Debt-To-Income Ratio | 15 | $1,231,000 | $82,000 | $160,000 | $43,000 | $126,000 |
| Other | 14 | $859,000 | $61,000 | $157,000 | $51,000 | $109,000 |
| Credit Application Incomplete | 10 | $582,000 | $58,000 | $133,000 | $49,000 | $75,000 |
| Employment History | 6 | $318,000 | $53,000 | $74,000 | $32,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $156,000 | $52,000 | $86,000 | $49,000 | $72,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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