Hood River County, OR Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,140 mortgage applications in Hood River County, OR totaling $301.3 million, up 23% from 2014. The average application was for $264,000, and applicants reported an average income of $97,000. 52% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 107 applications, followed by Directors Mortgage, Inc and Stearns Lending, 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 1,140
Total Mortgage Loan Application Amount $301,263,000
Average Mortgage Loan Application Amount $264,000
Highest Mortgage Loan Application Amount $3,515,000
Average Applicant Income $97,000
Highest Applicant Income $3,097,000

Mortgage Company List for Lending in Hood River County, OR 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
* $ 1,532,784,000,000 107 $ 26,647,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ 10,000,000 102 $ 26,432,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 77 $ 20,094,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 67 $ 15,979,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 59 $ 16,305,000
Pacific Nw Federal Credit Union
12005 NE ERIN WAY
PORTLAND, OR 97220
* $ 135,475,000 53 $ 10,589,000
Mortgage Express
10260 SW GREENBURG ROAD #830
PORTLAND, OR 97224
* $ 10,000,000 37 $ 10,299,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 33 $ 9,356,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 28 $ 8,501,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 28 $ 7,409,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 24 $ 8,752,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 17 $ 5,587,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 17 $ 4,845,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 16 $ 4,100,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 15 $ 2,683,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 15 $ 3,744,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 14 $ 3,485,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 14 $ 3,008,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 14 $ 3,855,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 22,612,839,000 13 $ 3,871,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,493,978,000 13 $ 4,759,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 3,513,885,000 12 $ 3,553,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 12 $ 3,457,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 9 $ 1,772,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 9 $ 2,053,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 9 $ 1,950,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 8 $ 1,582,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 7 $ 1,683,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 7 $ 1,771,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 8,574,401,000 7 $ 1,333,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 7,342,466,000 7 $ 1,679,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 1,659,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,341,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 1,589,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 6 $ 1,378,000
Onpoint Community Credit Union
2701 NW VAUGHN ST STE 800
PORTLAND, OR 97210
* $ 3,559,804,000 5 $ 1,473,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 1,196,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 5 $ 1,655,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 928,348,000 5 $ 988,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 5 $ 1,023,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 5 $ 1,489,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ 10,000,000 4 $ 886,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 4 $ 992,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 4 $ 1,255,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ 10,000,000 4 $ 976,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,508,574,000 4 $ 1,148,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 4 $ 1,147,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 4,483,767,000 4 $ 1,853,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 4 $ 1,149,000
First Community Credit Union
200 N. ADAMS ST.
COQUILLE, OR 97423
* $ 821,285,000 4 $ 941,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 4 $ 817,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 4 $ 992,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 203,000
Advantis Credit Union
10501 SE MAIN ST
OREGON CITY, OR 97222
* $ 1,165,974,000 3 $ 804,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ 0 3 $ 907,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 3 $ 977,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 899,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 3 $ 1,154,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ 10,000,000 3 $ 927,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 3 $ 1,070,000
Summit Mortgage Corporation
4700 SW MACADAM AVE
PORTLAND, OR 97239
* $ 1,000,000,000 3 $ 743,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 3 $ 962,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 3 $ 571,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 3 $ 1,024,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 13,050,765,000 3 $ 842,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 3 $ 1,582,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 1,004,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ 10,000,000 2 $ 437,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 12,036,491,000 2 $ 665,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 2 $ 588,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 2 $ 568,000
Skyline Financial Corp.
27001 AGOURA ROAD STE. 350
CALABASAS, CA 91301
* $ 10,000,000 2 $ 651,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 71,682,343,000 2 $ 931,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 2 $ 524,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 2 $ 152,000
Rivermark Community Credit Union
14405 MEYERS RD
OREGON CITY, OR 97045
* $ 614,949,000 2 $ 468,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ 10,000,000 2 $ 731,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 2 $ 1,084,000
Oregonians Credit Union
6915 SE LAKE RD
MILWAUKIE, OR 97267
* $ 296,143,000 2 $ 413,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 2 $ 522,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 350,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 409,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 2 $ 731,000
Minnesota Power Employees Credit Union
30 W SUPERIOR ST. STE. 126
DULUTH, MN 55802
* $ 181,668,000 2 $ 703,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 130,789,000 2 $ 351,000
Loanstar Home Loans, LLC dba Loanstar Home Lending
9020 SW WASHINGTON SQUARE RD SUITE 350
PORTLAND, OR 97223
* $ 0 2 $ 844,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 545,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 382,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 2 $ 467,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 2 $ 565,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 454,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 530,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 171,000
Central Willamette Credit Union
7101 SUPRA DR SW
ALBANY, OR 97321
* $ 229,696,000 1 $ 104,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,167,901,000 1 $ 179,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 196,000
Everlend Mortgage Company
5300 SOUTH 360 WEST, SUITE 350
SALT LAKE CITY, UT 84123
* $ 671,069,562,000 1 $ 229,000
Penrith Home Loans

MODESTO, CA 95350
* $ 8,526,000 1 $ 138,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ 10,000,000 1 $ 353,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 250,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 127,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 412,000
Mbank
1290 NE BURNSIDE
GRESHAM, OR 97030
* $ 162,700,000 1 $ 289,000
Patriot Bank Mortgage
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 511,822,000 1 $ 300,000
Oregon State Credit Union
PO BOX 306
CORVALLIS, OR 97339
* $ 894,613,000 1 $ 381,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 265,000
Montana Federal Credit Union
15 14TH STREET SOUTH
GREAT FALLS, MT 59401
* $ 203,860,000 1 $ 162,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 7,200,520,000 1 $ 335,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,291,449,000 1 $ 498,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 612,661,000 1 $ 484,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 174,000
Florida Community Bank, National Association
2500 WESTON ROAD #300
WESTON, FL 33331
* $ 5,833,874,000 1 $ 211,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 252,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 463,562,000 1 $ 395,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 1 $ 390,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 305,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 2,217,437,000 1 $ 241,000
Nw Priority Credit Union
12630 SE DIVISION
PORTLAND, OR 97045
* $ 228,066,000 1 $ 93,000
Forrit Credit Union
95 SW TAYLOR ST
PORTLAND, OR 97233
* $ 75,971,000 1 $ 3,000
Oregon Community Credit Union
2880 CHAD DRIVE
EUGENE, OR 97408
* $ 1,274,389,000 1 $ 120,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 1 $ 252,000
Gmh Mortgage Services LLC
625 W RIDGE PIKE STE 100; BUILDING C
CONSHOHOCKEN, PA 19428
* $ 0 1 $ 125,000
Heritage Bank
201 5TH AVENUE SW
OLYMPIA, WA 98501
* $ 3,456,887,000 1 $ 150,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ 12,837,000 1 $ 374,000
Mortgage Trust, Inc.
4386 SW MACADAM AVE. SUITE 401
PORTLAND, OR 97239
* $ 10,000,000 1 $ 218,000
Eagle Mortgage Ventures, LLC
7320 HUNZIKER ROAD, SUITE 305
TIGARD, OR 97223
* $ 3,437,000 1 $ 380,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 1 $ 223,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 223,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 44,281,869,000 1 $ 271,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 100,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 1 $ 286,000
MUFG Union Bank, National Association
9865 TOWNE CENTRE DRIVE, 3RD FLOOR
SAN DIEGO, CA 92121
* $ 113,120,106,000 1 $ 500,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 187,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 201,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 155,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 170,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 1 $ 299,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 111,278,000,000 1 $ 540,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 48,481,911,000 1 $ 550,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 48,353,330,000 1 $ 371,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 154,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ 31,000,000 1 $ 380,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 199,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ 10,000,000 1 $ 232,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 280,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 305,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 1 $ 272,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 378,000
Rpm Mortgage Inc.
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 62,000,000 1 $ 250,000

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

Mortgage Loan Application Detail Totals for Hood River County, OR 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
Refinancing 553 $138,107,000 $249,000 $3,515,000 $84,000 $622,000
Home Purchase 522 $150,530,000 $288,000 $2,000,000 $108,000 $3,097,000
Home Improvement 65 $12,626,000 $194,000 $621,000 $115,000 $386,000

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 742 $202,050,000 $272,000 $3,515,000 $116,000 $3,097,000
Not applicable 133 $35,698,000 $268,000 $697,000 $10,000 $397,000
Not Provided 130 $34,212,000 $263,000 $2,000,000 $100,000 $456,000
Hispanic 101 $20,448,000 $202,000 $485,000 $65,000 $183,000
Asian 20 $5,802,000 $290,000 $621,000 $101,000 $363,000
American Indian or Alaskan Native 10 $2,165,000 $216,000 $349,000 $91,000 $562,000
Black or African American 2 $294,000 $147,000 $169,000 $127,000 $173,000
Native Hawaiian or Other Pacific Islander 2 $594,000 $297,000 $297,000 $74,000 $74,000

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) 899 $237,515,000 $264,000 $3,515,000 $108,000 $3,097,000
FHA-insured (Federal Housing Administration) 129 $30,790,000 $238,000 $380,000 $55,000 $521,000
VA-guaranteed (Veterans Administration) 87 $27,242,000 $313,000 $698,000 $54,000 $277,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 25 $5,716,000 $228,000 $320,000 $37,000 $79,000

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 589 $155,534,000 $264,000 $2,000,000 $113,000 $1,471,000
Loan Purchased By The Institution 190 $51,158,000 $269,000 $697,000 $40,000 $397,000
Application Denied By Financial Institution 156 $40,710,000 $260,000 $3,515,000 $105,000 $3,097,000
Application Withdrawn By Applicant 139 $37,121,000 $267,000 $850,000 $94,000 $420,000
Application Approved But Not Accepted 36 $8,807,000 $244,000 $594,000 $89,000 $360,000
File Closed For Incompleteness 30 $7,933,000 $264,000 $680,000 $103,000 $390,000
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
Debt-To-Income Ratio 43 $9,007,000 $209,000 $460,000 $58,000 $194,000
Collateral 33 $8,746,000 $265,000 $669,000 $98,000 $280,000
Credit History 19 $2,968,000 $156,000 $315,000 $71,000 $156,000
Credit Application Incomplete 14 $4,267,000 $304,000 $1,220,000 $277,000 $3,097,000
Other 11 $2,944,000 $267,000 $500,000 $104,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,217,000 $243,000 $450,000 $262,000 $716,000
Unverifiable Information 1 $417,000 $417,000 $417,000 $175,000 $175,000
Employment History 1 $325,000 $325,000 $325,000 $90,000 $90,000
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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