Hill County, TX Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 902 mortgage applications in Hill County, TX totaling $105.0 million, up 13% from 2014. The average application was for $116,000, and applicants reported an average income of $71,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 85 applications, followed by 21st Mortgage and Gateway Mortgage Group, LLC.

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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 902
Total Mortgage Loan Application Amount $104,979,000
Average Mortgage Loan Application Amount $116,000
Highest Mortgage Loan Application Amount $1,040,000
Average Applicant Income $71,000
Highest Applicant Income $1,000,000

Mortgage Company List for Lending in Hill County, TX for 2015

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 85 $ 7,173,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 66 $ 3,810,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 48 $ 6,742,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 36 $ 3,102,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 29 $ 3,067,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 23 $ 3,703,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 5,816,065,000 18 $ 2,661,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 16 $ 2,065,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 14 $ 1,702,000
Grandview Bank
PO BOX 449
GRANDVIEW, TX 76050
* $ 142,031,000 13 $ 1,963,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 13 $ 1,597,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 500,435,000 13 $ 2,252,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 12 $ 1,921,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 12 $ 1,707,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 11 $ 1,523,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 11 $ 1,086,000
First Central Credit Union
6201 SANGER AVENUE
WACO, TX 76710
* $ 62,933,000 11 $ 564,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 11 $ 1,354,000
First National Bank of Central Texas
1835 N. VALLEY MILLS DR.
WACO, TX 76710
* $ 732,244,000 10 $ 772,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 10 $ 898,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 10 $ 1,151,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 10 $ 1,697,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 9 $ 1,468,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 8 $ 655,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 8 $ 471,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 8 $ 1,466,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 8 $ 914,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 8 $ 691,000
Pinnacle Bank
PO BOX 676
FORT WORTH, TX 76102
* $ 606,327,000 7 $ 828,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ 10,000,000 7 $ 817,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 7 $ 594,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 7 $ 718,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 597,000
Pointwest Bank
200 W. OAK
WEST, TX 76691
* $ 103,764,000 7 $ 570,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 7 $ 813,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 7 $ 814,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 6 $ 757,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 6 $ 1,250,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 6 $ 1,104,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 6 $ 284,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 6 $ 682,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 599,000
Members Choice of Central Texas FCU
4631 W WACO DRIVE
WACO, TX 76710
* $ 165,268,000 5 $ 346,000
American Bank NA
PO BOX 154068
WACO, TX 76710
* $ 419,230,000 5 $ 1,018,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 5 $ 215,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 5 $ 732,000
Texas Bank Financial
901 SANTA FE DRIVE
WEATHERFORD, TX 76086
* $ 122,304,000 5 $ 549,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 4 $ 231,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 4 $ 342,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 449,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 4 $ 901,000
Central National Bank
8320 W HWY 84
WACO, TX 76712
* $ 729,763,000 4 $ 957,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 4 $ 718,000
Bank of Colorado
1609 EAST HARMONY RD
FORT COLLINS, CO 80525
* $ 2,732,217,000 4 $ 636,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,545,267,000 4 $ 554,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 456,000
Extraco Banks, NA
18 SOUTH MAIN STREET
TEMPLE, TX 76502
* $ 1,308,045,000 4 $ 10,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 4 $ 758,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 4 $ 381,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 4 $ 329,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 3 $ 342,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,105,747,000 3 $ 369,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 3 $ 469,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 296,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 3 $ 368,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 3 $ 506,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ 10,000,000 3 $ 274,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 465,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 492,000
Fidelity Bank of Texas
PO BOX 5540
WACO, TX 76708
* $ 91,240,000 3 $ 279,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 503,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 3 $ 449,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ 4,798,372,000 3 $ 514,000
Community Bank & Trust
1800 WASHINGTON AVE
WACO, TX 76701
* $ 400,444,000 3 $ 375,000
Datcu
5940 SOUTH INTERSTATE 35 EAST
CORINTH, TX 76210
* $ 756,473,000 3 $ 218,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 3 $ 396,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 3 $ 259,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 3 $ 132,000
The First State Bank
100 MCKINNEY
RICE, TX 75155
* $ 162,915,000 3 $ 664,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 143,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 280,000
First State Bank
130 E CORSICANA STREET
ATHENS, TX 75751
* $ 380,522,000 2 $ 78,000
Texas First State Bank
400 S. HWY 6
RIESEL, TX 76682
* $ 361,972,000 2 $ 169,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 188,000
National United
905 MAIN ST
GATESVILLE, TX 76528
* $ 575,784,000 2 $ 445,000
Incommons Bank, N.A.
301 E COMMERCE
MEXIA, TX 76667
* $ 107,912,000 2 $ 198,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 2 $ 253,000
Educators Credit Union
501 W STATE HWY 6
WACO, TX 76710
* $ 364,034,000 2 $ 108,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 209,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 2 $ 65,000
The Cowboy Bank of Texas
100 MAIN STREET P.O. BOX 472
MAYPEARL, TX 76064
* $ 60,309,000 2 $ 233,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 608,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 362,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 141,000
Citizens State Bank
PO BOX 518
SOMERVILLE, TX 77879
* $ 443,170,000 2 $ 88,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 167,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 2 $ 182,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 6,283,653,000 2 $ 261,000
Citizens National Bank of Texas
P. O. BOX 717
WAXAHACHIE, TX 75168
* $ 645,773,000 2 $ 244,000
Ameripro Funding
8300 N. MOPAC EXPRESSWAY SUITE 120
AUSTIN, TX 78759
* $ 40,000,000 2 $ 348,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 417,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 382,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 2 $ 228,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 2 $ 198,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 242,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 2 $ 490,000
Integrity Mortgage Corporation of Texas
5 HORIZON CT
HEATH, TX 75032
* $ 7,939,000 1 $ 165,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 79,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 78,000
Capital Farm Credit, Aca
3000 BRIARCREST DRIVE SUITE 601
BRYAN, TX 77802
* $ 242,905,000 1 $ 225,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ 1,348,525,000 1 $ 29,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ 20,474,937,000 1 $ 365,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 107,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 177,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 404,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 110,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 56,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 104,000
Grand Bank of Texas
P O BOX 530087
GRAND PRAIRIE, TX 75053
* $ 209,757,000 1 $ 92,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 250,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 76,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 1,128,845,000 1 $ 56,000
Legacytexas Bank
5851 LEGACY CIRCLE, SUITE 1200
PLANO, TX 75024
* $ 4,162,328,000 1 $ 7,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 2,604,066,000 1 $ 160,000
Northstar Bank of Texas
400 N CARROLL BLVD
DENTON, TX 76201
* $ 1,745,262,000 1 $ 165,000
Synergy Bank, S.S.B.
8951 SYNERGY DR.
MCKINNEY, TX 75070
* $ 116,532,000 1 $ 122,000
R Bank
3600 E PALM VALLEY BLVD
ROUND ROCK, TX 78665
* $ 308,151,000 1 $ 342,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 264,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 248,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ 10,000,000 1 $ 60,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 1,807,705,000 1 $ 98,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 221,000
Fort Worth City Credit Union
2309 MONTGOMERY STREET
FORT WORTH, TX 76107
* $ 149,985,000 1 $ 38,000
American National Bank of Texa
102 W MOORE AVENUE
TERRELL, TX 75160
* $ 2,590,121,000 1 $ 98,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 1 $ 79,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 15,675,477,000 1 $ 238,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 21,504,119,000 1 $ 320,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 40,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,314,758,000 1 $ 104,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 1 $ 72,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 7,925,450,000 1 $ 75,000
First National Bank of Kemp
PO BOX 587
KEMP, TX 75143
* $ 55,570,000 1 $ 220,000
Farmers National Bank
114 W THIRD ST
PROPHETSTOWN, IL 61277
* $ 533,488,000 1 $ 70,000
Alliance Bank Central Texas
P.O. BOX 7554
WOODWAY, TX 76712
* $ 189,328,000 1 $ 870,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 1 $ 32,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,107,751,000 1 $ 36,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 148,000
Musa Financial, LLC
4455 LBJ FREEWAY STE 1200
DALLAS, TX 75244
* $ 13,323,260,000 1 $ 79,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ 47,278,000 1 $ 102,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 169,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 126,000
Texas Trust Credit Union
5080 W IH 20
ARLINGTON, TX 76017
* $ 880,556,000 1 $ 45,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 1 $ 157,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 612,661,000 1 $ 185,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 112,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ 1,133,230,000 1 $ 56,000

The tables below break down 2015 mortgage applications in Hill County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Hill County, TX in 2015

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 527 $64,069,000 $121,000 $1,040,000 $70,000 $824,000
Refinancing 297 $37,823,000 $127,000 $870,000 $71,000 $1,000,000
Home Improvement 78 $3,087,000 $39,000 $290,000 $79,000 $541,000

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 657 $77,005,000 $117,000 $700,000 $82,000 $1,000,000
Not applicable 83 $12,229,000 $147,000 $1,040,000 $9,000 $150,000
Hispanic 69 $4,693,000 $68,000 $233,000 $52,000 $194,000
Not Provided 51 $6,748,000 $132,000 $454,000 $64,000 $280,000
Black or African American 34 $3,310,000 $97,000 $181,000 $51,000 $109,000
American Indian or Alaskan Native 6 $914,000 $152,000 $230,000 $74,000 $123,000
Asian 2 $80,000 $40,000 $57,000 $17,000 $35,000
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) 634 $71,629,000 $112,000 $1,040,000 $81,000 $1,000,000
FHA-insured (Federal Housing Administration) 168 $19,124,000 $113,000 $265,000 $43,000 $288,000
VA-guaranteed (Veterans Administration) 69 $11,026,000 $159,000 $454,000 $59,000 $164,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $3,200,000 $103,000 $193,000 $32,000 $70,000

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 385 $50,011,000 $129,000 $1,040,000 $86,000 $824,000
Application Denied By Financial Institution 239 $23,112,000 $96,000 $404,000 $62,000 $280,000
Loan Purchased By The Institution 101 $12,938,000 $128,000 $362,000 $26,000 $194,000
Application Withdrawn By Applicant 88 $11,247,000 $127,000 $870,000 $77,000 $1,000,000
File Closed For Incompleteness 58 $4,767,000 $82,000 $208,000 $68,000 $431,000
Application Approved But Not Accepted 31 $2,904,000 $93,000 $260,000 $84,000 $183,000
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
Credit History 45 $3,033,000 $67,000 $190,000 $66,000 $225,000
Collateral 30 $3,386,000 $112,000 $404,000 $79,000 $280,000
Debt-To-Income Ratio 24 $2,638,000 $109,000 $345,000 $60,000 $156,000
Other 12 $1,122,000 $93,000 $185,000 $73,000 $252,000
Credit Application Incomplete 10 $1,353,000 $135,000 $242,000 $83,000 $190,000
Unverifiable Information 5 $460,000 $92,000 $114,000 $66,000 $137,000
Insufficient Cash (Downpayment, Closing Cost) 3 $350,000 $116,000 $159,000 $28,000 $47,000
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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