Harvey County, KS Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,088 mortgage applications in Harvey County, KS totaling $165.7 million, down 11% from 2022. The average application was for $152,000, and applicants reported an average income of $90,000. 56% of applications resulted in an originated loan and 14% were denied. The most active lender was Peoples Bank and Trust Co, with 86 applications, followed by Intrust Bank, NA and PennyMac Loan Services LLC.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kansas.
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 1,088
Total Mortgage Loan Application Amount $165,730,000
Average Mortgage Loan Application Amount $152,000
Highest Mortgage Loan Application Amount $4,325,000
Average Applicant Income $90,000
Highest Applicant Income $2,382,000

Mortgage Company List for Lending in Harvey County, KS for 2023

* 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
Peoples Bank and Trust Co
101 S MAIN ST
MCPHERSON, KS 67460
* $ 1,014,460,000 86 $ 12,960,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 7,454,262,000 74 $ 7,740,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 53 $ 9,875,000
The Citizens State Bank
201 S CHRISTIAN, PO BOX 110
MOUNDRIDGE, KS 67107
* $ 472,684,000 43 $ 6,275,000
Union State Bank
127 S SUMMIT STREET
ARKANSAS CITY, KS 67005
* $ 578,747,000 41 $ 5,455,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 598,172,000 37 $ 5,305,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 27 $ 4,575,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 26 $ 4,020,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 26 $ 5,290,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 26 $ 4,410,000
Halstead Bank
314 MAIN ST
HALSTEAD, KS 67056
* $ 167,245,000 23 $ 2,675,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 22 $ 5,170,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 21 $ 1,685,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 21 $ 3,595,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ 1,812,858,000 18 $ 1,850,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 18 $ 3,020,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 1,405,806,000 17 $ 2,435,000
White Eagle Credit Union
2830 OHIO
AUGUSTA, KS 67010
* $ 147,808,000 17 $ 1,505,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 15 $ 925,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 14 $ 3,050,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 13 $ 2,425,000
Golden Plains Credit Union
1714 EAST KANSAS AVENUE
GARDEN CITY, KS 67846
* $ 942,923,000 13 $ 975,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 13 $ 1,855,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 13 $ 2,035,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 12 $ 1,980,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 11 $ 1,615,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 1,942,679,000 11 $ 1,465,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 10 $ 1,880,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 10 $ 1,570,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 2,375,666,000 10 $ 470,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 10 $ 1,630,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,535,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 3,078,918,000 9 $ 1,015,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 8 $ 1,430,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 8 $ 1,200,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 8 $ 1,490,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 31,679,817,000 8 $ 1,160,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 8 $ 760,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,750,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 905,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 7 $ 1,065,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 7 $ 1,285,000
First National Bank of Hutchinson
1 N MAIN ST
HUTCHINSON, KS 67501
* $ 944,900,000 7 $ 775,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ -1,000 7 $ 1,225,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 6 $ 1,160,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 890,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 6 $ 1,290,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 6 $ 1,000,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 6 $ 1,360,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 5 $ 475,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 5 $ 1,115,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 615,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 395,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,950,802,000 5 $ 1,695,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 4 $ 440,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 4 $ 800,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 290,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 415,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 355,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 545,000
Home Bank & Trust Co.
217 N. MAIN
EUREKA, KS 67045
* $ 143,764,000 3 $ 675,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 465,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 525,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 1,255,880,000 3 $ 305,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 3 $ 505,000
Legacy Bank
3711 N RIDGE RD
WICHITA, KS 67205
* $ 618,429,000 3 $ 355,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 7,415,263,000 3 $ 355,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 91,580,361,000 3 $ 245,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,460,850,000 3 $ 195,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 915,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 3 $ 475,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 1,991,593,000 3 $ 705,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 615,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 415,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ 191,185,000 2 $ 420,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 2 $ 310,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 1,554,446,000 2 $ 180,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 6,097,782,000 2 $ 270,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 2 $ 240,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 2 $ 370,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 149,829,000 2 $ 220,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 250,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 160,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 1,956,034,000 2 $ 130,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 440,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 47,596,192,000 2 $ 410,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 400,000
Skyward Credit Union
4 CESSNA BLVD
WICHITA, KS 67215
* $ 390,950,000 2 $ 140,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 120,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 430,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 250,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,208,483,000 2 $ 310,000
The Stock Exchange Bank
103 S MAIN ST
CALDWELL, KS 67022
* $ 74,952,000 2 $ 290,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 170,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 160,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 370,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 2 $ 70,000
Mid American Credit Union
8404 W. KELLOGG DR.
WICHITA, KS 67209
* $ 410,860,000 2 $ 80,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 245,000
The Bennington State Bank
2130 SOUTH OHIO, P.O. BOX 1280
SALINA, KS 67402
* $ 967,774,000 1 $ 135,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 55,000
First Option Bank
702 BAPTISTE DR.
PAOLA, KS 66071
* $ 632,512,000 1 $ 175,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 225,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 275,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 1 $ 115,000
The Farmers State Bank of Westmoreland
307 MAIN ST, PO BOX 330
WESTMORELAND, KS 66549
* $ 224,724,000 1 $ 205,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 1 $ 4,325,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ 14,547,035,000 1 $ 205,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 1 $ 245,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 215,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 125,000
Southwest National Bank
400 E DOUGLAS
WICHITA, KS 67202
* $ 550,491,000 1 $ 105,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 65,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 4,976,744,000 1 $ 45,000
Citizens Bank of Kansas
300 N MAIN ST
KINGMAN, KS 67068
* $ 477,900,000 1 $ 165,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 38,279,055,000 1 $ 105,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 195,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 95,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 1 $ 65,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 155,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 1 $ 285,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,099,887,000 1 $ 35,000
General Mortgage Capital Corporation
1350 OLD BAYSHORE HWY
BURLINGAME, CA 94010
* $ -1,000 1 $ 155,000
Pivot Financial Partners, Inc
5935 S ZANG ST., STE 220
LITTLETON, CO 80120
* $ -1,000 1 $ 145,000
Arvest Bank

TULSA, OK 74103
* $ 26,441,420,000 1 $ 255,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 145,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 135,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 1 $ 145,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 145,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 155,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 155,000
Great Plains Federal Credit Union
2306 S RANGE LINE RD
JOPLIN, MO 64804
* $ 340,312,000 1 $ 35,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 225,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 275,000
Envista Federal Credit Union
3626 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 530,701,000 1 $ 35,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 1 $ 185,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 95,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 175,000

The tables below break down 2023 mortgage applications in Harvey County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Harvey County, KS in 2023

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
Home Purchase 677 $121,855,000 $179,000 $4,325,000 $87,000 $554,000
Cash-out Refinancing 153 $19,455,000 $127,000 $335,000 $84,000 $226,000
Refinancing 116 $16,310,000 $140,000 $795,000 $90,000 $448,000
Other Purpose 78 $4,130,000 $52,000 $305,000 $88,000 $313,000
Home Improvement 60 $3,710,000 $61,000 $405,000 $132,000 $2,382,000
Not Applicable 4 $270,000 $67,000 $95,000 $30,000 $33,000

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 676 $99,410,000 $147,000 $1,025,000 $92,000 $2,382,000
Not applicable 192 $36,350,000 $189,000 $4,325,000 $57,000 $113,000
Hispanic 106 $11,910,000 $112,000 $335,000 $74,000 $248,000
Not Provided 91 $15,205,000 $167,000 $495,000 $90,000 $353,000
Black or African American 9 $955,000 $106,000 $255,000 $99,000 $315,000
American Indian or Alaskan Native 7 $655,000 $93,000 $215,000 $82,000 $113,000
Asian 6 $1,070,000 $178,000 $335,000 $151,000 $331,000
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) 750 $101,720,000 $135,000 $1,025,000 $95,000 $2,382,000
FHA-insured (Federal Housing Administration) 189 $32,955,000 $174,000 $4,325,000 $72,000 $176,000
VA-guaranteed (Veterans Administration) 127 $27,855,000 $219,000 $455,000 $81,000 $233,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $3,200,000 $145,000 $255,000 $69,000 $104,000

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 609 $97,405,000 $159,000 $4,325,000 $92,000 $554,000
Application Denied By Financial Institution 156 $18,600,000 $119,000 $485,000 $72,000 $315,000
Loan Purchased By The Institution 146 $25,560,000 $175,000 $485,000 $78,000 $166,000
Application Withdrawn By Applicant 113 $16,675,000 $147,000 $345,000 $110,000 $2,382,000
Application Approved But Not Accepted 31 $2,995,000 $96,000 $335,000 $75,000 $197,000
File Closed For Incompleteness 30 $4,000,000 $133,000 $275,000 $89,000 $313,000
Preapproval Approved but not Accepted 3 $495,000 $165,000 $225,000 $72,000 $113,000
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
Not applicable 792 $128,750,000 $162,000 $4,325,000 $93,000 $2,382,000
Debt-To-Income Ratio 191 $24,555,000 $128,000 $545,000 $84,000 $353,000
Credit History 50 $5,770,000 $115,000 $325,000 $70,000 $176,000
Collateral 19 $2,105,000 $110,000 $485,000 $112,000 $315,000
Other 14 $1,800,000 $128,000 $305,000 $81,000 $188,000
Credit Application Incomplete 11 $985,000 $89,000 $225,000 $63,000 $103,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,280,000 $213,000 $355,000 $79,000 $152,000
Employment History 4 $390,000 $97,000 $155,000 $76,000 $159,000
Unverifiable Information 1 $95,000 $95,000 $95,000 $75,000 $75,000
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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