Heard County, GA Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 611 mortgage applications in Heard County, GA totaling $107.1 million, about the same as 2020. The average application was for $175,000, and applicants reported an average income of $79,000. 45% of applications resulted in an originated loan and 20% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 41 applications, followed by 21st Mortgage and Regions Bank.
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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 | 611 |
| Total Mortgage Loan Application Amount | $107,125,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $430,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 41 | $ 5,805,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 31 | $ 4,035,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 21 | $ 2,485,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 21 | $ 3,765,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 21 | $ 3,365,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 17 | $ 2,655,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 17 | $ 2,915,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 15 | $ 2,715,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 6,051,860,000 | 15 | $ 2,105,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 2,885,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 23,559,400,000 | 14 | $ 830,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 12,887,120,000 | 13 | $ 2,885,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 12 | $ 1,980,000 |
| United Bank PO BOX 1337 ZEBULON, GA 30295 |
* | $ 1,510,787,000 | 11 | $ 3,155,000 |
| Colony Bank 302 SOUTH MAIN ST. FITZGERALD, GA 31750 |
* | $ 1,511,400,000 | 10 | $ 2,250,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 9 | $ 2,065,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 9 | $ 1,355,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 17,136,249,000 | 9 | $ 2,145,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 9 | $ 2,135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 9 | $ 2,505,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 8 | $ 1,470,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 8 | $ 1,730,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 48,103,435,000 | 8 | $ 950,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 1,555,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,415,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 18,156,981,000 | 7 | $ 1,375,000 |
| Agsouth Farm Credit LINCOLNTON, NC 28092 |
* | $ -1,000 | 7 | $ 2,125,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 900,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 6 | $ 1,370,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 800,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,030,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 6 | $ 800,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 6 | $ 420,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 675,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 5 | $ 815,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 1,175,000 |
| The Southern Credit Union 430 EAST LANIER AVENUE FAYETTEVILLE, GA 30214 |
* | $ 406,673,000 | 4 | $ 170,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 790,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 4 | $ 850,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 700,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 4 | $ 510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 840,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 500,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 580,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 605,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 3 | $ 805,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 3 | $ 735,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 325,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 345,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 375,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 3 | $ 1,025,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 565,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 3 | $ 955,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 305,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 3 | $ 465,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 3 | $ 1,075,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 695,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 390,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 370,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 320,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 360,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ -1,000 | 2 | $ 450,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 140,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 320,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 2 | $ 410,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 2 | $ 390,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 2 | $ 460,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 430,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 2 | $ 530,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 360,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 350,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 490,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 230,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 1,608,214,000 | 2 | $ 450,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 175,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 185,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 275,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 305,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 75,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 175,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgage Assurance Inc 333 NORTH POINT CENTER E SUITE 230 ALPHARETTA, GA 30022 |
* | $ -1,000 | 1 | $ 95,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 497,331,000 | 1 | $ 135,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 235,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 1 | $ 225,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 115,000 |
| Direct Lenders, Llc. 1600 KENNESAW DUE WEST ROAD SUITE 610 KENNESAW, GA 30152 |
* | $ -1,000 | 1 | $ 165,000 |
| Civic Financial Services, LLC 2015 MANHATTAN BEACH BLVD STE 106 GLENDALE, CA 90278 |
* | $ -1,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 255,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 165,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 1,122,128,000 | 1 | $ 215,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 135,000 |
| Ithink Financial Credit Union 1000 NW 17TH AVENUE DELRAY BEACH, FL 33445 |
* | $ 1,532,195,000 | 1 | $ 105,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 315,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 45,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 45,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ -1,000 | 1 | $ 85,000 |
| Heritage Southeast Bank 101 NORTH MAIN STREET, P.O. BOX 935 JONESBORO, GA 30236 |
* | $ 1,336,835,000 | 1 | $ 35,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 105,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ -1,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 325,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ -1,000 | 1 | $ 165,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 155,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 135,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 295,000 |
| Rbc Bank (Georgia), N.A. RALEIGH, NC 27607 |
* | $ 4,528,719,000 | 1 | $ 235,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ -1,000 | 1 | $ 135,000 |
| The Peoples Bank of Georgia 26 WEST MONROE STREET TALBOTTON, GA 31827 |
* | $ 88,766,000 | 1 | $ 355,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 245,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 75,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 125,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 17,516,056,000 | 1 | $ 215,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 525,000 |
The tables below break down 2021 mortgage applications in Heard County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Heard County, GA in 2021
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 | 284 | $55,110,000 | $194,000 | $545,000 | $75,000 | $430,000 |
| Refinancing | 149 | $24,225,000 | $162,000 | $525,000 | $85,000 | $409,000 |
| Cash-out Refinancing | 124 | $22,980,000 | $185,000 | $425,000 | $84,000 | $250,000 |
| Home Improvement | 29 | $2,615,000 | $90,000 | $245,000 | $72,000 | $230,000 |
| Other Purpose | 23 | $1,945,000 | $84,000 | $345,000 | $85,000 | $177,000 |
| Not Applicable | 2 | $250,000 | $125,000 | $125,000 | $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 | 463 | $80,335,000 | $173,000 | $545,000 | $80,000 | $430,000 |
| Not applicable | 57 | $11,955,000 | $209,000 | $425,000 | $77,000 | $101,000 |
| Not Provided | 48 | $8,160,000 | $170,000 | $405,000 | $82,000 | $230,000 |
| Black or African American | 23 | $3,585,000 | $155,000 | $455,000 | $66,000 | $139,000 |
| Hispanic | 10 | $1,560,000 | $156,000 | $295,000 | $60,000 | $120,000 |
| American Indian or Alaskan Native | 6 | $850,000 | $141,000 | $295,000 | $73,000 | $146,000 |
| Asian | 3 | $615,000 | $205,000 | $285,000 | $222,000 | $230,000 |
| 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) | 448 | $77,240,000 | $172,000 | $545,000 | $82,000 | $430,000 |
| FHA-insured (Federal Housing Administration) | 91 | $16,045,000 | $176,000 | $425,000 | $64,000 | $164,000 |
| VA-guaranteed (Veterans Administration) | 42 | $9,100,000 | $216,000 | $455,000 | $84,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,740,000 | $158,000 | $255,000 | $51,000 | $91,000 |
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 | 274 | $52,040,000 | $189,000 | $545,000 | $86,000 | $409,000 |
| Application Denied By Financial Institution | 120 | $17,540,000 | $146,000 | $545,000 | $65,000 | $430,000 |
| Application Withdrawn By Applicant | 75 | $13,045,000 | $173,000 | $455,000 | $92,000 | $250,000 |
| Loan Purchased By The Institution | 60 | $12,850,000 | $214,000 | $425,000 | $83,000 | $125,000 |
| File Closed For Incompleteness | 54 | $6,760,000 | $125,000 | $235,000 | $61,000 | $177,000 |
| Application Approved But Not Accepted | 26 | $4,420,000 | $170,000 | $505,000 | $77,000 | $190,000 |
| Preapproval Approved but not Accepted | 1 | $175,000 | $175,000 | $175,000 | $44,000 | $44,000 |
| Preapproval Denied by Financial Institution | 1 | $295,000 | $295,000 | $295,000 | $106,000 | $106,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 487 | $89,195,000 | $183,000 | $545,000 | $83,000 | $409,000 |
| Debt-To-Income Ratio | 44 | $6,730,000 | $152,000 | $355,000 | $54,000 | $143,000 |
| Credit History | 33 | $4,025,000 | $121,000 | $405,000 | $66,000 | $264,000 |
| Collateral | 16 | $2,420,000 | $151,000 | $545,000 | $69,000 | $131,000 |
| Credit Application Incomplete | 11 | $1,895,000 | $172,000 | $345,000 | $75,000 | $265,000 |
| Unverifiable Information | 8 | $880,000 | $110,000 | $175,000 | $49,000 | $90,000 |
| Other | 5 | $785,000 | $157,000 | $195,000 | $107,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,075,000 | $215,000 | $545,000 | $119,000 | $430,000 |
| Mortgage Insurance Denied | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $10,000 | $10,000 |
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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