Henry County, IL Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,856 mortgage applications in Henry County, IL totaling $234.2 million, down 26% from 2021. The average application was for $126,000, and applicants reported an average income of $90,000. 63% of applications resulted in an originated loan and 12% were denied. The most active lender was I H Mississippi Valley Credit Union, with 190 applications, followed by Empeople Credit Union and Vibrant Credit Union.

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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 1,856
Total Mortgage Loan Application Amount $234,180,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $2,435,000
Average Applicant Income $90,000
Highest Applicant Income $2,659,000

Mortgage Company List for Lending in Henry County, IL for 2022

* 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
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 1,832,277,000 190 $ 18,730,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 138 $ 16,310,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 1,063,621,000 133 $ 12,705,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 9,011,033,000 74 $ 7,920,000
Union Federal Savings and Loan
104 N TREMONT ST
KEWANEE, IL 61443
* $ 164,179,000 70 $ 5,790,000
Bankorion
1114 4TH STREET
ORION, IL 61273
* $ 611,529,000 67 $ 7,405,000
Farmers National Bank
114 W THIRD ST
PROPHETSTOWN, IL 61277
* $ 840,588,000 58 $ 7,470,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 54 $ 6,160,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 48 $ 4,690,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ 1,155,805,000 47 $ 6,745,000
Ruhl Mortgage LLC
1701 52ND AVENUE
MOLINE, IL 61265
* $ -1,000 43 $ 7,115,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 38 $ 4,800,000
Ascentra Credit Union
PO BOX 1107
BETTENDORF, IA 52722
* $ 534,050,000 37 $ 3,585,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 34 $ 4,270,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 32 $ 4,060,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 31 $ 5,115,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 30 $ 4,800,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 29 $ 3,515,000
Blackhawk Bank & Trust
301 4TH STREET WEST
MILAN, IL 61264
* $ 1,801,002,000 29 $ 4,005,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 28 $ 4,510,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 27 $ 4,305,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 24 $ 4,310,000
Cbi Bank & Trust
301 IOWA AVE
MUSCATINE, IA 52761
* $ 1,143,091,000 22 $ 2,710,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ 588,690,000 21 $ 2,255,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 19 $ 2,515,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 16 $ 2,460,000
Senb Bank
3535 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 373,572,000 15 $ 2,205,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 15 $ 1,895,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 1,960,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 14 $ 1,310,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 1,810,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 915,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 2,000,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 469,148,000 12 $ 2,250,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 1,020,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 9 $ 1,515,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 9 $ 1,345,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 8 $ 1,120,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 1,240,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 1,130,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 1,442,452,000 7 $ 1,365,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 585,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 7 $ 905,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 262,541,000 7 $ 685,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 7 $ 1,775,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 7 $ 475,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 7 $ 655,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 6 $ 970,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 610,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 6 $ 920,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 6 $ 750,000
Dutrac Community Credit Union
P O BOX 3250
DUBUQUE, IA 52004
* $ 980,729,000 6 $ 950,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 6 $ 390,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,510,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 6 $ 1,460,000
Fortress Bank
9000 N. KNOXVILLE AVENUE
PEORIA, IL 61615
* $ 555,533,000 5 $ 1,595,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 5 $ 405,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 5 $ 565,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 1,046,374,000 5 $ 715,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 845,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 5,951,048,000 5 $ 525,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 5 $ 795,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 575,000
First State Bank
706 WASHINGTON STREET
MENDOTA, IL 61342
* $ 1,401,610,000 4 $ 480,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 637,122,000 4 $ 350,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 3 $ 1,605,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 165,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 3 $ 345,000
First Central State Bank
914 6TH AVE
DE WITT, IA 52742
* $ 729,106,000 3 $ 575,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 365,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ 4,880,056,000 3 $ 525,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 3,479,391,000 3 $ 175,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,281,203,000 3 $ 145,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 3 $ 305,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 165,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 3 $ 475,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 805,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 325,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 3 $ 465,000
The Family Credit Union
1530 W 53RD STREET
DAVENPORT, IA 52806
* $ 221,986,000 3 $ 135,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 505,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 105,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 3 $ 135,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 3 $ 225,000
Blue Grass Savings Bank
104 E. MAYNE PO BOX 248
BLUE GRASS, IA 52726
* $ 229,467,000 2 $ 360,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 200,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 2 $ 1,410,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 2 $ 150,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 130,000
Proper Rate, LLC
1800 W LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 530,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 550,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 2 $ 360,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 3,095,714,000 2 $ 360,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 2 $ 250,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 2 $ 330,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 280,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 2 $ 180,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 2 $ 180,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 220,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 2 $ 770,000
Gas & Electric Credit Union
2300 4TH AVE
ROCK ISLAND, IL 61201
* $ 110,441,000 2 $ 190,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 75,000
The Peoples Community Bank
222 W. COMMERCIAL ST., PO BOX 8
MAZOMANIE, WI 53560
* $ 381,634,000 1 $ 45,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 205,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 870,500,000 1 $ 85,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ -1,000 1 $ 35,000
Washington State Bank
121 S MARION AVE
WASHINGTON, IA 52353
* $ 484,091,000 1 $ 205,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 105,000
Midamerica National Bank
100 W ELM ST
CANTON, IL 61520
* $ 523,226,000 1 $ 55,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ 715,451,000 1 $ 165,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 205,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 65,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 595,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 85,000
Better Banks
10225 N KNOXVILLE AVE
PEORIA, IL 61615
* $ 411,263,000 1 $ 75,000
Heartland Bank & Trust Company
401 N HERSHEY RD
BLOOMINGTON, IL 61704
* $ 4,311,088,000 1 $ 195,000
Quad City Bank and Trust
4500 NORTH BRADY STREET
DAVENPORT, IA 52806
* $ 2,144,667,000 1 $ 85,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 1 $ 145,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 75,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 1,328,105,000 1 $ 55,000
Holcomb Bank
108 W MAIN ST
ROCHELLE, IL 61068
* $ 266,507,000 1 $ 125,000
Dignified Home Loans LLC
1 BAXTER WAY, SUITE 120
WESTLAKE VILLAGE, CA 91362
* $ -1,000 1 $ 185,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 75,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 1 $ 105,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 165,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 4,636,126,000 1 $ 15,000
Sauk Valley Bank & Trust Company
3319 E LINCOLNWAY
STERLING, IL 61081
* $ 583,065,000 1 $ 65,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 1 $ 135,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 175,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 1 $ 75,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 175,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 1 $ 25,000
Illinois State Police Federal Credit Union
730 ENGINEERING AVE.
SPRINGFIELD, IL 62703
* $ 122,074,000 1 $ 245,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 55,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 1 $ 75,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 739,238,000 1 $ 105,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 245,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 270,649,000 1 $ 145,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 1 $ 155,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 1 $ 475,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 38,107,223,000 1 $ 855,000
Iaa Credit Union
808 IAA DRIVE
BLOOMINGTON, IL 61701
* $ 345,555,000 1 $ 55,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 165,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 15,000
Lincoln Savings Bank
301 WASHINGTON ST
REINBECK, IA 50669
* $ 1,479,040,000 1 $ 285,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 195,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 95,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 135,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 85,000
Tbk Bank, SSB
12700 PARK CENTRAL DRIVE STE #1700
DALLAS, TX 75251
* $ 5,942,945,000 1 $ 115,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 7,846,662,000 1 $ 65,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 45,000
Homesite Mortgage, LLC
222 S MAIN ST STE 106
ROCHESTER, MI 48307
* $ -1,000 1 $ 165,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 887,431,000 1 $ 2,435,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 215,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 165,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 115,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 225,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 95,000

The tables below break down 2022 mortgage applications in Henry County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Henry County, IL in 2022

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 988 $141,490,000 $143,000 $2,435,000 $91,000 $2,659,000
Cash-out Refinancing 314 $39,320,000 $125,000 $615,000 $80,000 $403,000
Refinancing 297 $37,705,000 $126,000 $705,000 $92,000 $500,000
Home Improvement 135 $6,915,000 $51,000 $295,000 $96,000 $621,000
Other Purpose 108 $7,790,000 $72,000 $855,000 $94,000 $778,000
Not Applicable 14 $960,000 $68,000 $165,000 $49,000 $50,000

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 1,424 $180,300,000 $126,000 $855,000 $90,000 $2,659,000
Not Provided 181 $19,855,000 $109,000 $505,000 $93,000 $951,000
Not applicable 159 $23,385,000 $147,000 $2,435,000 $81,000 $151,000
Hispanic 77 $8,885,000 $115,000 $415,000 $74,000 $261,000
Black or African American 7 $865,000 $123,000 $225,000 $60,000 $133,000
Asian 4 $520,000 $130,000 $165,000 $77,000 $120,000
American Indian or Alaskan Native 3 $275,000 $91,000 $185,000 $74,000 $106,000
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) 1,452 $178,710,000 $123,000 $2,435,000 $95,000 $2,659,000
FHA-insured (Federal Housing Administration) 206 $24,700,000 $119,000 $335,000 $59,000 $150,000
VA-guaranteed (Veterans Administration) 135 $23,885,000 $176,000 $505,000 $80,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 63 $6,885,000 $109,000 $265,000 $52,000 $88,000

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 1,172 $147,890,000 $126,000 $2,435,000 $93,000 $2,659,000
Application Denied By Financial Institution 221 $24,555,000 $111,000 $595,000 $70,000 $621,000
Application Withdrawn By Applicant 188 $26,490,000 $140,000 $705,000 $100,000 $2,084,000
Loan Purchased By The Institution 167 $23,295,000 $139,000 $475,000 $80,000 $261,000
File Closed For Incompleteness 52 $6,250,000 $120,000 $265,000 $81,000 $228,000
Application Approved But Not Accepted 35 $3,195,000 $91,000 $285,000 $80,000 $179,000
Preapproval Denied by Financial Institution 11 $1,255,000 $114,000 $265,000 $65,000 $123,000
Preapproval Approved but not Accepted 10 $1,250,000 $125,000 $195,000 $64,000 $100,000

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 1,528 $196,770,000 $128,000 $2,435,000 $91,000 $2,659,000
Debt-To-Income Ratio 161 $19,025,000 $118,000 $615,000 $91,000 $1,204,000
Credit History 73 $7,265,000 $99,000 $375,000 $84,000 $621,000
Collateral 36 $4,590,000 $127,000 $375,000 $74,000 $221,000
Other 16 $1,680,000 $105,000 $265,000 $59,000 $129,000
Credit Application Incomplete 14 $1,790,000 $127,000 $325,000 $76,000 $202,000
Employment History 11 $875,000 $79,000 $125,000 $36,000 $86,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,260,000 $157,000 $315,000 $96,000 $156,000
Unverifiable Information 8 $860,000 $107,000 $225,000 $85,000 $240,000
Mortgage Insurance Denied 1 $65,000 $65,000 $65,000 $75,000 $75,000

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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