Henry County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,329 mortgage applications in Henry County, IL totaling $169.5 million, down 2% from 2023. The average application was for $127,000, and applicants reported an average income of $104,000. 59% of applications resulted in an originated loan and 13% were denied. The most active lender was I H Mississippi Valley Credit Union, with 125 applications, followed by Empeople Credit Union and Greenstate 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 | 1,329 |
| Total Mortgage Loan Application Amount | $169,495,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,215,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $5,826,000 |
* 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 |
|---|---|---|---|---|
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ n/a | 125 | $ 13,445,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 82 | $ 11,160,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 51 | $ 7,125,000 |
| Bankorion 1114 4TH STREET ORION, IL 61273 |
* | $ n/a | 50 | $ 5,630,000 |
| Union Federal Savings and Loan 104 N TREMONT ST KEWANEE, IL 61443 |
* | $ n/a | 42 | $ 3,540,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ n/a | 39 | $ 5,975,000 |
| Farmers National Bank 114 W THIRD ST PROPHETSTOWN, IL 61277 |
* | $ n/a | 39 | $ 5,505,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 39 | $ 4,315,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 34 | $ 4,870,000 |
| State Bank of Toulon 102 WEST MAIN STREET TOULON, IL 61483 |
* | $ n/a | 33 | $ 2,785,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 32 | $ 4,230,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 31 | $ 5,145,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ n/a | 29 | $ 2,215,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 24 | $ 2,000,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 22 | $ 4,020,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 21 | $ 2,785,000 |
| R.I.A. Federal Credit Union PO BOX 4750 BETTENDORF, IA 52722 |
* | $ n/a | 21 | $ 1,415,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 21 | $ 3,665,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 21 | $ 4,255,000 |
| Cbi Bank & Trust 301 IOWA AVE MUSCATINE, IA 52761 |
* | $ n/a | 20 | $ 1,400,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 19 | $ 3,315,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 18 | $ 820,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 17 | $ 3,535,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ n/a | 17 | $ 1,425,000 |
| Blackhawk Bank & Trust 301 4TH STREET WEST MILAN, IL 61264 |
* | $ n/a | 17 | $ 3,135,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 17 | $ 3,115,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ n/a | 16 | $ 2,030,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 14 | $ 2,610,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 14 | $ 550,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 14 | $ 2,570,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 13 | $ 425,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 12 | $ 1,770,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 12 | $ 1,480,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 12 | $ 2,060,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 11 | $ 1,295,000 |
| Community State Bank 625 SE 2ND ST GALVA, IL 61434 |
* | $ n/a | 10 | $ 740,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 9 | $ 1,785,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 8 | $ 900,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ n/a | 8 | $ 1,110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 7 | $ 1,165,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 7 | $ 1,035,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 755,000 |
| The Family Credit Union 1530 W 53RD STREET DAVENPORT, IA 52806 |
* | $ n/a | 7 | $ 485,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 7 | $ 635,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,290,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 900,000 |
| Quad City Bank and Trust 4500 NORTH BRADY STREET DAVENPORT, IA 52806 |
* | $ n/a | 6 | $ 1,210,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 6 | $ 1,070,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ n/a | 5 | $ 295,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 5 | $ 495,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 5 | $ 315,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 5 | $ 475,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 1,015,000 |
| Dutrac Community Credit Union P O BOX 3250 DUBUQUE, IA 52004 |
* | $ n/a | 5 | $ 955,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 295,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 805,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 185,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 4 | $ 580,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 4 | $ 660,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 4 | $ 720,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 4 | $ 620,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 820,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 4 | $ 750,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 690,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 4 | $ 750,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 480,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 4 | $ 460,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ n/a | 3 | $ 595,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 245,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 255,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 385,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 3 | $ 505,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 645,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 485,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 255,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 380,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ n/a | 2 | $ 500,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 300,000 |
| First Central State Bank 914 6TH AVE DE WITT, IA 52742 |
* | $ n/a | 2 | $ 390,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ n/a | 2 | $ 250,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 2 | $ 370,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 2 | $ 40,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ n/a | 2 | $ 140,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 200,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 200,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 110,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ n/a | 2 | $ 530,000 |
| Blue Grass Savings Bank 104 E. MAYNE PO BOX 248 BLUE GRASS, IA 52726 |
* | $ n/a | 2 | $ 30,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 210,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 2 | $ 350,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 320,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 55,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 125,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 255,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 55,000 |
| Proper Rate, LLC 1800 W LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 125,000 |
| Bank & Trust Company 401 N MADISON LITCHFIELD, IL 62056 |
* | $ n/a | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 245,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 205,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ n/a | 1 | $ 45,000 |
| Tbk Bank, SSB 12700 PARK CENTRAL DRIVE STE #1700 DALLAS, TX 75251 |
* | $ n/a | 1 | $ 165,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 65,000 |
| Success Lending, LLC SCHAUMBURG, IL 60173 |
* | $ n/a | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 225,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 145,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 215,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 1 | $ 265,000 |
| Cooperative Choice Network Credit Union PEORIA, IL 61614 |
* | $ n/a | 1 | $ 35,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 75,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 65,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ n/a | 1 | $ 55,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 1 | $ 55,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ n/a | 1 | $ 85,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ n/a | 1 | $ 75,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 65,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 665,000 |
| National Bank of St Anne 158 WEST STATION ST ST ANNE, IL 60964 |
* | $ n/a | 1 | $ 245,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 1 | $ 25,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ n/a | 1 | $ 45,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 35,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 45,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 95,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 25,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 5,000 |
| Gas & Electric Credit Union 2300 4TH AVE ROCK ISLAND, IL 61201 |
* | $ n/a | 1 | $ 165,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 135,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 95,000 |
| Healthcare Associates Credit Union 1151 E WARRENVILLE RD NAPERVILLE, IL 60563 |
* | $ n/a | 1 | $ 35,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ n/a | 1 | $ 55,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 105,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 205,000 |
| Saygo Home Loans, LLC 8155 E INDIAN BEND RD, STE 107 SCOTTSDALE, AZ 85250 |
* | $ n/a | 1 | $ 255,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 95,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 95,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 75,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2024 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 2024
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 | 755 | $112,755,000 | $149,000 | $1,215,000 | $99,000 | $950,000 |
| Refinancing | 171 | $24,495,000 | $143,000 | $755,000 | $104,000 | $591,000 |
| Other Purpose | 149 | $7,405,000 | $49,000 | $275,000 | $142,000 | $5,826,000 |
| Cash-out Refinancing | 147 | $19,285,000 | $131,000 | $555,000 | $94,000 | $1,020,000 |
| Home Improvement | 106 | $5,480,000 | $51,000 | $175,000 | $99,000 | $280,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 | 958 | $121,360,000 | $126,000 | $1,215,000 | $106,000 | $5,826,000 |
| Not Provided | 132 | $14,050,000 | $106,000 | $345,000 | $104,000 | $300,000 |
| Not applicable | 130 | $20,340,000 | $156,000 | $535,000 | $145,000 | $154,000 |
| Hispanic | 71 | $8,565,000 | $120,000 | $425,000 | $86,000 | $265,000 |
| Black or African American | 22 | $2,680,000 | $121,000 | $225,000 | $103,000 | $576,000 |
| Asian | 9 | $1,645,000 | $182,000 | $405,000 | $124,000 | $280,000 |
| American Indian or Alaskan Native | 7 | $855,000 | $122,000 | $225,000 | $81,000 | $187,000 |
| 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) | 1,001 | $115,215,000 | $115,000 | $1,215,000 | $110,000 | $5,826,000 |
| FHA-insured (Federal Housing Administration) | 192 | $27,420,000 | $142,000 | $505,000 | $79,000 | $1,020,000 |
| VA-guaranteed (Veterans Administration) | 113 | $24,495,000 | $216,000 | $755,000 | $95,000 | $576,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,365,000 | $102,000 | $235,000 | $56,000 | $105,000 |
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 | 789 | $102,325,000 | $129,000 | $1,215,000 | $114,000 | $5,826,000 |
| Application Denied By Financial Institution | 175 | $16,075,000 | $91,000 | $325,000 | $73,000 | $280,000 |
| Application Withdrawn By Applicant | 165 | $23,995,000 | $145,000 | $745,000 | $111,000 | $1,020,000 |
| Loan Purchased By The Institution | 120 | $18,610,000 | $155,000 | $505,000 | $69,000 | $246,000 |
| Application Approved But Not Accepted | 33 | $3,305,000 | $100,000 | $465,000 | $86,000 | $271,000 |
| File Closed For Incompleteness | 30 | $3,380,000 | $112,000 | $275,000 | $81,000 | $185,000 |
| Preapproval Approved but not Accepted | 11 | $1,275,000 | $115,000 | $255,000 | $86,000 | $154,000 |
| Preapproval Denied by Financial Institution | 6 | $530,000 | $88,000 | $175,000 | $58,000 | $99,000 |
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 | 1,022 | $136,170,000 | $133,000 | $755,000 | $109,000 | $5,826,000 |
| Debt-To-Income Ratio | 181 | $22,835,000 | $126,000 | $1,215,000 | $103,000 | $811,000 |
| Credit History | 63 | $5,145,000 | $81,000 | $265,000 | $80,000 | $215,000 |
| Collateral | 22 | $1,770,000 | $80,000 | $205,000 | $72,000 | $235,000 |
| Credit Application Incomplete | 20 | $1,780,000 | $89,000 | $175,000 | $91,000 | $280,000 |
| Other | 11 | $845,000 | $76,000 | $195,000 | $64,000 | $165,000 |
| Unverifiable Information | 4 | $540,000 | $135,000 | $175,000 | $79,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $250,000 | $62,000 | $95,000 | $31,000 | $52,000 |
| Employment History | 2 | $160,000 | $80,000 | $115,000 | $30,000 | $32,000 |
| 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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