Harrisonburg City, VA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,617 mortgage applications in Harrisonburg City, VA totaling $284.8 million, up 25% from 2011. The average application was for $176,000, and applicants reported an average income of $74,000. 59% of applications resulted in an originated loan and 11% were denied. The most active lender was Wells Fargo Bank NA, with 326 applications, followed by Suntrust Mortgage, Inc. and Truist Bank.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Virginia.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,617
Total Mortgage Loan Application Amount $284,822,000
Average Mortgage Loan Application Amount $176,000
Highest Mortgage Loan Application Amount $12,400,000
Average Applicant Income $74,000
Highest Applicant Income $1,405,000

Mortgage Company List for Lending in Harrisonburg City, VA for 2012

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 326 $ 51,139,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 141 $ 22,316,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 137 $ 26,570,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 566,021,000 92 $ 15,884,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 84 $ 13,574,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 73 $ 9,896,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 47 $ 7,140,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 37 $ 5,443,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ 189,567,000 36 $ 5,300,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 4,081,771,000 34 $ 4,976,000
United Bank VA

MORGANTOWN, WV 26505
* $ 3,634,102,000 31 $ 11,530,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ 1,000,000,000 29 $ 4,443,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 24 $ 3,700,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ 10,000,000 22 $ 3,580,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 20 $ 1,943,000
Dupont Community Credit Union
140 LUCY LANE
WAYNESBORO, VA 22980
* $ 787,064,000 20 $ 3,251,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 19 $ 2,879,000
Commonwealth One Federal Credit Union
4875 EISENHOWER AVE
ALEXANDRIA, VA 22304
* $ 294,433,000 19 $ 2,648,000
Stellarone Bank
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 2,911,678,000 18 $ 2,653,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 17 $ 3,149,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,888,611,000 15 $ 2,156,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 14 $ 2,560,000
Park View Federal Credit Union
1675 VIRGINIA AVENUE
HARRISONBURG, VA 22802
* $ 109,057,000 13 $ 1,886,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 11 $ 1,888,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 11 $ 92,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 11 $ 1,251,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,571,750,000 11 $ 2,265,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 10 $ 619,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 1,442,550,000 10 $ 3,663,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 9 $ 1,372,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 1,348,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 8 $ 1,180,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 7 $ 503,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 7 $ 1,355,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 1,194,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,246,957,000 7 $ 3,083,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 6 $ 959,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ 10,000,000 6 $ 1,231,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 6 $ 1,130,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 6 $ 1,174,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 6 $ 1,154,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 6 $ 1,010,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 5 $ 1,237,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 5 $ 998,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 5 $ 631,000
Union Bank & Trust
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,888,611,000 5 $ 4,486,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ 538,515,000 5 $ 498,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 5 $ 661,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,423,017,000 4 $ 745,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 690,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ 50,010,000 4 $ 489,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 914,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 4 $ 511,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 3 $ 740,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 374,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 3 $ 902,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 3 $ 351,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 3 $ 463,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 3 $ 729,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 3 $ 473,000
Pendleton Community Bank
128 N MAIN ST
FRANKLIN, WV 26807
* $ 253,464,000 3 $ 372,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,266,779,000 3 $ 146,000
Community Bank
38 N. CENTRAL AVE., PO BOX 1209
STAUNTON, VA 24401
* $ 529,621,000 3 $ 478,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 3 $ 424,000
Greenchoice Bank, FSB
5225 W. 25TH ST
CICERO, IL 60804
* $ 65,639,000 2 $ 324,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 2 $ 346,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ 128,831,000 2 $ 265,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 2 $ 425,000
Hamilton National Mortgage Company
1275 DRUMMERS LANE
WAYNE, PA 19087
* $ 10,000,000 2 $ 341,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 504,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 321,000
Corridor Mortgage Group, Inc.
11085 STRATFIELD COURT
MARRIOTTSVILLE, MD 21104
* $ 605,000,000 2 $ 494,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 308,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 361,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 280,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ 10,000,000 2 $ 393,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 154,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 200,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 212,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 1 $ 139,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 1 $ 118,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 1 $ 164,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 142,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 66,063,531,000 1 $ 91,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 1 $ 674,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 140,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 175,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 1 $ 161,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 96,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 114,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 184,000
Mid-Island Mortgage Corp.
900 MERCHANTS CONCOURSE, SUITE #112
WESTBURY, NY 11590
* $ 10,000,000 1 $ 186,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 173,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 319,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 1 $ 184,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ 2,157,000 1 $ 196,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 233,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 181,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 195,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 95,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 1 $ 253,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 198,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 160,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 58,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 217,000
1st 2nd Mortgage Company of N.J., Inc.
50 SPRING STREET
CRESSKILL, NJ 07626
* $ 10,000,000 1 $ 190,000
Uva Community Credit Union
3300 BERKMAR DRIVE
CHARLOTTESVILLE, VA 22901
* $ 556,935,000 1 $ 35,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 1,569,983,000 1 $ 45,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 2,104,738,000 1 $ 134,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 239,610,000 1 $ 89,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 4,505,104,000 1 $ 118,000
Member Options LLC
1936 ARLINGTONG BLVD.
CHARLOTTESVILLE, VA 22903
* $ 32,364,000 1 $ 60,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 183,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 183,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 207,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 207,050,000 1 $ 139,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 125,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 1 $ 204,000
Franklin Federal Savings Bank
PO BOX 5310
GLEN ALLEN, VA 23058
* $ 1,012,175,000 1 $ 12,400,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 824,374,000 1 $ 1,164,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ 133,851,000 1 $ 257,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 195,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 1,547,178,000 1 $ 98,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 1 $ 134,000
Virginia Community Bank
PO BOX 888
LOUISA, VA 23093
* $ 228,876,000 1 $ 53,000
First Capital Bank
4222 COX RD.
GLEN ALLEN, VA 23060
* $ 541,366,000 1 $ 106,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 672,996,000 1 $ 189,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,181,267,000 1 $ 238,000
Prosperity Mortgage Company
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,788,563,000 1 $ 204,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 1 $ 250,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 10,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 194,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 118,000
George Mason Mortgage LLC
4100 MONUMENT CORNER DRIVE #100
FAIRFAX, VA 22030
* $ 630,414,000 1 $ 70,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 528,308,000 1 $ 308,000
Merck Employees FCU
126 E. LINCOLN AVENUE
RAHWAY, NJ 07065
* $ 1,681,634,000 1 $ 9,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,283,070,000 1 $ 186,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 204,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 1 $ 213,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 9,041,660,000 1 $ 84,000

The tables below break down 2012 mortgage applications in Harrisonburg City, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Harrisonburg City, VA in 2012

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 1,123 $182,814,000 $162,000 $3,150,000 $77,000 $1,405,000
Home Purchase 458 $91,315,000 $199,000 $12,400,000 $68,000 $880,000
Home Improvement 36 $10,693,000 $297,000 $8,500,000 $49,000 $118,000

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 1,109 $171,276,000 $154,000 $1,164,000 $85,000 $1,405,000
Not applicable 195 $67,399,000 $345,000 $12,400,000 $18,000 $327,000
Hispanic 117 $15,021,000 $128,000 $357,000 $53,000 $300,000
Not Provided 99 $16,792,000 $169,000 $568,000 $80,000 $600,000
Asian 49 $7,643,000 $155,000 $379,000 $82,000 $260,000
Black or African American 43 $6,145,000 $142,000 $337,000 $61,000 $225,000
Native Hawaiian or Other Pacific Islander 3 $265,000 $88,000 $96,000 $60,000 $75,000
American Indian or Alaskan Native 2 $281,000 $140,000 $164,000 $233,000 $372,000

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) 1,324 $235,019,000 $177,000 $12,400,000 $80,000 $1,405,000
FHA-insured (Federal Housing Administration) 242 $39,012,000 $161,000 $282,000 $46,000 $274,000
VA-guaranteed (Veterans Administration) 51 $10,791,000 $211,000 $379,000 $50,000 $228,000
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 959 $170,168,000 $177,000 $8,500,000 $79,000 $1,405,000
Loan Purchased By The Institution 250 $40,331,000 $161,000 $415,000 $54,000 $454,000
Application Denied By Financial Institution 173 $24,972,000 $144,000 $765,000 $68,000 $952,000
Application Withdrawn By Applicant 144 $22,917,000 $159,000 $900,000 $77,000 $880,000
Application Approved But Not Accepted 49 $19,885,000 $405,000 $12,400,000 $89,000 $561,000
File Closed For Incompleteness 42 $6,549,000 $155,000 $350,000 $87,000 $600,000
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
Collateral 44 $7,112,000 $161,000 $674,000 $92,000 $952,000
Credit History 31 $3,193,000 $103,000 $204,000 $47,000 $146,000
Debt-To-Income Ratio 23 $4,430,000 $192,000 $765,000 $51,000 $203,000
Credit Application Incomplete 22 $3,171,000 $144,000 $400,000 $77,000 $272,000
Other 19 $2,435,000 $128,000 $229,000 $86,000 $225,000
Unverifiable Information 8 $1,186,000 $148,000 $217,000 $50,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 4 $428,000 $107,000 $125,000 $74,000 $85,000
Employment History 2 $332,000 $166,000 $180,000 $90,000 $120,000
Mortgage Insurance Denied 1 $208,000 $208,000 $208,000 $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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