Henry County, TN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,290 mortgage applications in Henry County, TN totaling $208.9 million, up 11% from 2023. The average application was for $161,000, and applicants reported an average income of $91,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Firstbank, with 120 applications, followed by Carroll Bank and Trust and Vanderbilt Mortgage and Finance, Inc.

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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 1,290
Total Mortgage Loan Application Amount $208,940,000
Average Mortgage Loan Application Amount $161,000
Highest Mortgage Loan Application Amount $5,105,000
Average Applicant Income $91,000
Highest Applicant Income $1,484,000

Mortgage Company List for Lending in Henry County, TN for 2024

* 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
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 120 $ 17,280,000
Carroll Bank and Trust
19510 E MAIN ST
HUNTINGDON, TN 38344
* $ n/a 94 $ 13,450,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 91 $ 9,655,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ n/a 90 $ 10,320,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 81 $ 5,675,000
Security Bank and Trust Company
110 S MAIN ST
DYER, TN 38330
* $ n/a 45 $ 6,135,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 42 $ 10,280,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 40 $ 6,630,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 39 $ 4,825,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 37 $ 7,715,000
McKenzie Banking Company
676 N MAIN ST
MCKENZIE, TN 38201
* $ n/a 31 $ 2,365,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 25 $ 6,365,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 23 $ 1,365,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 23 $ 4,785,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 3,780,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 16 $ 4,620,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 16 $ 1,790,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 15 $ 3,105,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 14 $ 2,900,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 13 $ 1,465,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 12 $ 1,980,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 11 $ 2,575,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 11 $ 2,485,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 10 $ 2,110,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 9 $ 1,145,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 9 $ 395,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ n/a 9 $ 1,035,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 8 $ 1,620,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 8 $ 530,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ n/a 7 $ 1,415,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 7 $ 545,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 7 $ 945,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 7 $ 1,525,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 1,815,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 7 $ 695,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 6 $ 1,140,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 6 $ 990,000
Lineage Bank
120 5TH AVE N
FRANKLIN, TN 37067
* $ n/a 6 $ 2,290,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 5 $ 1,625,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 5 $ 1,285,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 5 $ 565,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 5 $ 825,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 5 $ 675,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 900,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 4 $ 610,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 4 $ 560,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 580,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 3 $ 825,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ n/a 3 $ 395,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 1,025,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 3 $ 505,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 605,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ n/a 3 $ 535,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 3 $ 85,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 415,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 2 $ 110,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ n/a 2 $ 290,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 160,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 120,000
River Valley Agcredit
P O BOX 309
PADUCAH, KY 42001
* $ n/a 2 $ 1,130,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ n/a 2 $ 510,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 410,000
First Citizens National Bank

NEWARK, OH 43055
* $ n/a 2 $ 430,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 70,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 280,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ n/a 2 $ 350,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 400,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 570,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 390,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 340,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 300,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 110,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 510,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 2 $ 440,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 310,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 440,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 590,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 840,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 2 $ 300,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 970,000
Bartlett Mortgage Inc.
2860 STAGE VILLAGE COVE
BARTLETT, TN 38133
* $ n/a 2 $ 360,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 2 $ 520,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 260,000
First Federal Bank
611 EAST COLLEGE ST
DICKSON, TN 37055
* $ n/a 2 $ 410,000
Traditions First Bank
5745 EAST MAIN STREET
ERIN, TN 37061
* $ n/a 2 $ 390,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 170,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 2 $ 110,000
Bank of Dickson
466 HWY 46 SOUTH
DICKSON, TN 37055
* $ n/a 1 $ 295,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 405,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 155,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ n/a 1 $ 205,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 1 $ 305,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 225,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ n/a 1 $ 115,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 225,000
First National Bank of Central Texas
1835 N. VALLEY MILLS DR.
WACO, TX 76710
* $ n/a 1 $ 355,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 285,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ n/a 1 $ 175,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 495,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 315,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 575,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 1 $ 435,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 65,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 75,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 1 $ 315,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 175,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 165,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 185,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 1 $ 245,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ n/a 1 $ 205,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 815,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 335,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 1 $ 645,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ n/a 1 $ 35,000
Bank CMG
8020 EXCELSIOR DR STE 100
MADISON, WI 53717
* $ n/a 1 $ 5,105,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 135,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 275,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 235,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 165,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 505,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 275,000
Cornerstone Financial Credit Union
1701 21ST AVE. SO./PO BOX 120729
NASHVILLE, TN 37212
* $ n/a 1 $ 25,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 95,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 65,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 1 $ 215,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 45,000
Nmsi, Inc.
3700 WILSHIRE BLVD. STE. 330
LOS ANGELES, CA 90010
* $ n/a 1 $ 385,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ n/a 1 $ 125,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ n/a 1 $ 105,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 455,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 85,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 275,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ n/a 1 $ 185,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 315,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 105,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 1 $ 305,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 1 $ 175,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 185,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 105,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 205,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 255,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 265,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 1 $ 415,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ n/a 1 $ 145,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 175,000
Johnsonville Tva Employees Cre
209 HWY 641 NORTH
CAMDEN, TN 38320
* $ n/a 1 $ 65,000
First Central State Bank
914 6TH AVE
DE WITT, IA 52742
* $ n/a 1 $ 255,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 295,000
The Bank of Fayette County
1265 HWY 57 EAST
COLLIERVILLE, TN 38017
* $ n/a 1 $ 75,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 1 $ 125,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 245,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 275,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 1 $ 255,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 375,000
Security Bank
120 N MILL AVE
DYERSBURG, TN 38024
* $ n/a 1 $ 215,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ n/a 1 $ 145,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 115,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 205,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 455,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 155,000

The tables below break down 2024 mortgage applications in Henry County, TN 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, TN 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 645 $121,915,000 $189,000 $5,105,000 $90,000 $1,317,000
Cash-out Refinancing 204 $34,810,000 $170,000 $655,000 $77,000 $229,000
Refinancing 180 $30,960,000 $172,000 $645,000 $97,000 $600,000
Other Purpose 135 $12,265,000 $90,000 $1,405,000 $95,000 $759,000
Home Improvement 125 $8,855,000 $70,000 $505,000 $109,000 $1,484,000
Not Applicable 1 $135,000 $135,000 $135,000 $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 1,020 $157,800,000 $154,000 $1,405,000 $93,000 $1,484,000
Not Provided 94 $16,100,000 $171,000 $525,000 $91,000 $492,000
Not applicable 84 $23,190,000 $276,000 $5,105,000 $192,000 $196,000
Black or African American 56 $6,550,000 $116,000 $375,000 $67,000 $172,000
Hispanic 24 $3,330,000 $138,000 $375,000 $71,000 $134,000
Asian 6 $1,150,000 $191,000 $355,000 $140,000 $394,000
American Indian or Alaskan Native 5 $755,000 $151,000 $245,000 $72,000 $130,000
Native Hawaiian or Other Pacific Islander 1 $65,000 $65,000 $65,000 $9,000 $9,000

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) 918 $126,130,000 $137,000 $5,105,000 $96,000 $1,484,000
VA-guaranteed (Veterans Administration) 177 $47,325,000 $267,000 $815,000 $86,000 $204,000
FHA-insured (Federal Housing Administration) 168 $32,180,000 $191,000 $495,000 $72,000 $213,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $3,305,000 $122,000 $315,000 $57,000 $92,000

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 651 $111,875,000 $171,000 $5,105,000 $104,000 $1,484,000
Application Denied By Financial Institution 254 $31,490,000 $123,000 $815,000 $75,000 $792,000
Application Withdrawn By Applicant 168 $31,020,000 $184,000 $1,405,000 $84,000 $392,000
File Closed For Incompleteness 90 $9,800,000 $108,000 $385,000 $56,000 $198,000
Loan Purchased By The Institution 79 $17,955,000 $227,000 $545,000 $104,000 $196,000
Application Approved But Not Accepted 48 $6,800,000 $141,000 $495,000 $94,000 $492,000
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
Not applicable 788 $143,360,000 $181,000 $5,105,000 $88,000 $759,000
Debt-To-Income Ratio 335 $45,195,000 $134,000 $815,000 $103,000 $1,484,000
Credit History 73 $6,755,000 $92,000 $365,000 $73,000 $792,000
Collateral 30 $4,130,000 $137,000 $365,000 $115,000 $482,000
Credit Application Incomplete 21 $3,185,000 $151,000 $385,000 $86,000 $255,000
Unverifiable Information 21 $3,135,000 $149,000 $425,000 $63,000 $134,000
Other 19 $2,675,000 $140,000 $445,000 $73,000 $234,000
Insufficient Cash (Downpayment, Closing Cost) 3 $505,000 $168,000 $185,000 $69,000 $134,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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