Hardy County, WV Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 835 mortgage applications in Hardy County, WV totaling $73.9 million, up 46% from 2003. The average application was for $88,000, and applicants reported an average income of $62,000. 51% of applications resulted in an originated loan and 24% were denied. The most active lender was Capon Valley Bank, with 166 applications, followed by The Grant County Bank and Countrywide Home Loans.
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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 | 835 |
| Total Mortgage Loan Application Amount | $73,941,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $1,102,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $459,000 |
* 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 |
|---|---|---|---|---|
| Capon Valley Bank 2 W MAIN ST, PO BOX 119 WARDENSVILLE, WV 26851 |
* | $ 126,486,000 | 166 | $ 8,859,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 173,531,000 | 56 | $ 2,814,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 46 | $ 4,656,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 36 | $ 2,589,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 34 | $ 3,379,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 25 | $ 3,087,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 21 | $ 1,566,000 |
| Summit Mortgage 510 INDEPENDENCE PARKWAY, SUITE 200 CHESAPEAKE, VA 23320 |
* | $ 220,267,000 | 20 | $ 2,452,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 18 | $ 1,453,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,099,288,000 | 18 | $ 3,661,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 17 | $ 1,729,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 16 | $ 533,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 13 | $ 1,586,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 13 | $ 581,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 294,246,000 | 12 | $ 1,024,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 11 | $ 1,897,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 10 | $ 864,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 8 | $ 933,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 8 | $ 1,054,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 8 | $ 536,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 8 | $ 1,190,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 738,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 7 | $ 769,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 7 | $ 735,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 7 | $ 752,000 |
| Fnb Bank, Inc 105 NORTH HIGH STREET ROMNEY, WV 26757 |
* | $ 115,157,000 | 7 | $ 817,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 7 | $ 396,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 6 | $ 632,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 6 | $ 733,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 224,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 6 | $ 734,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 353,541,000,000 | 6 | $ 860,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 6 | $ 395,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 925,000 |
| Shenandoah Valley Nat Bank PO BOX 3550 WINCHESTER, VA 22604 |
* | $ 220,267,000 | 5 | $ 532,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 385,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 5 | $ 434,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 5 | $ 600,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 5 | $ 537,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 4 | $ 406,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 341,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 4 | $ 443,000 |
| Wells Fargo Fin'l Maryland,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 4 | $ 145,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 4 | $ 310,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 3 | $ 140,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 3 | $ 266,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 3 | $ 202,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 3 | $ 376,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 3 | $ 276,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 3 | $ 424,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 3 | $ 71,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 3 | $ 397,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 3 | $ 506,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 3 | $ 476,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 3 | $ 360,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 3 | $ 432,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 2 | $ 118,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 137,000 |
| First Savings Mortgage Corporation 8444 WEST PARK DRIVE, THE 4TH FLOOR MCLEAN, VA 22102 |
* | $ 10,000,000 | 2 | $ 464,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 2,247,653,000 | 2 | $ 251,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 2 | $ 191,000 |
| First Bank 112 W KING ST STRASBURG, VA 22657 |
* | $ 344,141,000 | 2 | $ 90,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 118,000 |
| American Home Bank 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 128,534,000 | 2 | $ 230,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 209,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 202,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 2 | $ 232,000 |
| Commercial Federal Bank 11207 WEST DODGE ROAD 2ND FL OMAHA, NE 68154 |
* | $ 12,190,849,000 | 2 | $ 245,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 155,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 308,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Jefferson Security Bank P.O. BOX 35 SHEPHERDSTOWN, WV 25443 |
* | $ 190,821,000 | 2 | $ 329,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 2 | $ 106,000 |
| Midcountry Mortgage Corp. 1001 LABORE INDUSTRIAL COURT SUITE E VADNAIS HEIGHTS, MN 55110 |
* | $ 464,081,000 | 2 | $ 312,000 |
| Priceline Mortgage Company LLC 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 75,254,000 | 2 | $ 207,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 164,000 |
| Washingtion Mutual Finance Cor 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 2 | $ 61,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 2 | $ 210,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 1 | $ 153,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 1 | $ 66,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 1 | $ 61,000 |
| Mortgage Lion, Inc. 327 S. MAIN STREET FITZGERALD, GA 31750 |
* | $ 250,000,000 | 1 | $ 108,000 |
| Market Street Mortgage Corp 2650 MCCORMICK DR, SUITE 200 CLEARWATER, FL 33759 |
* | $ 335,650,000 | 1 | $ 70,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 400,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 6,057,833,000 | 1 | $ 102,000 |
| The Bank of Romney 95 E MAIN STREET ROMNEY, WV 26757 |
* | $ 174,976,000 | 1 | $ 28,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 75,000 |
| United First Mortgage 1503 SANTA ROSA ROAD, SUITE 109 RICHMOND, VA 23229 |
* | $ 13,934,000 | 1 | $ 193,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 43,610,071,000 | 1 | $ 38,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 101,000 |
| Sunset Mortgage Company, L.P. 3 DICKENSON DRIVE CHADDS FORD, PA 19317 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 124,453,567,000 | 1 | $ 125,000 |
| Resource Bank 4429 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 864,464,000 | 1 | $ 39,000 |
| Second Bank & Trust 4805 LASSEN LANE FREDERICKSBURG, VA 22408 |
* | $ 407,782,000 | 1 | $ 75,000 |
| Presidential Bank, F.S.B. 4600 EAST-WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 383,529,000 | 1 | $ 72,000 |
| Provident Bank 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 16,980,253,000 | 1 | $ 44,000 |
| Raymond James Bank 710 CARILLON PKWY ST PETERSBURG, FL 33716 |
* | $ 856,334,000 | 1 | $ 125,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 1 | $ 90,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 96,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 8,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 20,288,424,000 | 1 | $ 160,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 1,596,863,000 | 1 | $ 276,000 |
| Chessie Federal Credit Union 15 COMMERCE DRIVE CUMBERLAND, MD 21502 |
* | $ 155,301,000 | 1 | $ 80,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,211,303,000 | 1 | $ 41,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 100,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Cardinal Financial Company 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Centra Bank Inc (Wv) 990 ELMER PRINCE DRIVE MORGANTOWN, WV 26505 |
* | $ 349,538,000 | 1 | $ 86,000 |
| First Capital Financial Servic 5600 W. GRANDE MARKET DRIVE APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 280,000 |
| Farmers & Merchants Bank and T 59 W WASHINGTON STREET HAGERSTOWN, MD 21740 |
* | $ 886,705,000 | 1 | $ 275,000 |
| Fidelity Mortgage Services,Inc 240 CROWN OAK CENTRE DRIVE LONGWOOD, FL 32750 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Fidelity & Trust Mortgage, Inc 1725 EYE STREET, NW WASHINGTON, DC 20006 |
* | $ 51,912,000 | 1 | $ 90,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 67,000 |
| First American Mortgage, Inc,. 3926 PENDER DRIVE, 1ST FLOOR FAIRFAX, VA 22030 |
* | $ 10,000,000 | 1 | $ 140,000 |
| First National Bank P O BOX 600 CHRISTIANSBURG, VA 24068 |
* | $ 676,199,000 | 1 | $ 122,000 |
| Greater Atlantic Mortgage Corp 8230 OLD COURTHOUSE ROAD S520 VIENNA, VA 22182 |
* | $ 117,754,000 | 1 | $ 67,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 50,000 |
| M&T Mortgage Corporation 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 1 | $ 100,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 1 | $ 25,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 19,145,012,000 | 1 | $ 77,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 102,000 |
The tables below break down 2004 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 2004
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 | 454 | $40,878,000 | $90,000 | $1,102,000 | $57,000 | $426,000 |
| Home Purchase | 291 | $29,134,000 | $100,000 | $496,000 | $74,000 | $459,000 |
| Home Improvement | 90 | $3,929,000 | $43,000 | $347,000 | $41,000 | $119,000 |
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 | 677 | $58,293,000 | $86,000 | $1,102,000 | $64,000 | $459,000 |
| Not Provided | 91 | $8,623,000 | $94,000 | $330,000 | $72,000 | $426,000 |
| Not applicable | 33 | $3,793,000 | $114,000 | $700,000 | $3,000 | $45,000 |
| American Indian or Alaskan Native | 14 | $1,243,000 | $88,000 | $203,000 | $72,000 | $136,000 |
| Hispanic | 11 | $906,000 | $82,000 | $124,000 | $42,000 | $68,000 |
| Black or African American | 7 | $858,000 | $122,000 | $470,000 | $43,000 | $100,000 |
| Asian | 2 | $225,000 | $112,000 | $117,000 | $169,000 | $290,000 |
| 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) | 808 | $71,385,000 | $88,000 | $1,102,000 | $63,000 | $459,000 |
| FHA-insured (Federal Housing Administration) | 13 | $980,000 | $75,000 | $119,000 | $34,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,071,000 | $107,000 | $139,000 | $30,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 4 | $505,000 | $126,000 | $147,000 | $36,000 | $66,000 |
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 | 427 | $38,609,000 | $90,000 | $1,102,000 | $76,000 | $459,000 |
| Application Denied By Financial Institution | 201 | $15,075,000 | $75,000 | $482,000 | $52,000 | $426,000 |
| Loan Purchased By The Institution | 75 | $9,052,000 | $120,000 | $700,000 | $48,000 | $286,000 |
| Application Withdrawn By Applicant | 65 | $5,784,000 | $88,000 | $257,000 | $53,000 | $286,000 |
| Application Approved But Not Accepted | 53 | $4,075,000 | $76,000 | $200,000 | $50,000 | $210,000 |
| File Closed For Incompleteness | 14 | $1,346,000 | $96,000 | $190,000 | $44,000 | $80,000 |
| 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 | 58 | $3,777,000 | $65,000 | $218,000 | $44,000 | $253,000 |
| Collateral | 36 | $3,516,000 | $97,000 | $400,000 | $80,000 | $376,000 |
| Other | 22 | $1,817,000 | $82,000 | $185,000 | $35,000 | $110,000 |
| Debt-To-Income Ratio | 22 | $1,367,000 | $62,000 | $136,000 | $37,000 | $128,000 |
| Credit Application Incomplete | 13 | $1,117,000 | $85,000 | $178,000 | $47,000 | $66,000 |
| Employment History | 5 | $266,000 | $53,000 | $145,000 | $38,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $102,000 | $51,000 | $63,000 | $25,000 | $29,000 |
| Unverifiable Information | 1 | $95,000 | $95,000 | $95,000 | $48,000 | $48,000 |
| 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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