Hood River County, OR Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 981 mortgage applications in Hood River County, OR totaling $349.7 million, down 50% from 2021. The average application was for $356,000, and applicants reported an average income of $154,000. 61% of applications resulted in an originated loan and 13% were denied. The most active lender was Keybank National Association, with 103 applications, followed by Pacific Nw Federal Credit Union and loanDepot.com 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 981
Total Mortgage Loan Application Amount $349,725,000
Average Mortgage Loan Application Amount $356,000
Highest Mortgage Loan Application Amount $1,445,000
Average Applicant Income $154,000
Highest Applicant Income $2,121,000

Mortgage Company List for Lending in Hood River County, OR 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
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 103 $ 34,165,000
Pacific Nw Federal Credit Union
12005 NE ERIN WAY
PORTLAND, OR 97220
* $ 288,735,000 59 $ 14,085,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 50 $ 22,080,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 49 $ 21,735,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 49 $ 13,995,000
Consolidated Community Credit
1033 NE 6TH AVE
PORTLAND, OR 97232
* $ 416,445,000 38 $ 5,530,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ -1,000 38 $ 14,460,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 27 $ 9,655,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 26 $ 12,680,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 20,934,572,000 25 $ 7,765,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 30,642,109,000 22 $ 8,690,000
Onpoint Community Credit Union
2701 NW VAUGHN ST STE 800
PORTLAND, OR 97210
* $ 9,040,369,000 18 $ 3,980,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 19,973,048,000 18 $ 6,710,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 17 $ 7,145,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 16 $ 4,350,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 16 $ 6,510,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 14 $ 6,110,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 14,928,781,000 12 $ 3,280,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 12 $ 6,200,000
Rivermark Community Credit Union
14405 MEYERS RD
OREGON CITY, OR 97045
* $ 1,285,268,000 11 $ 2,165,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 11 $ 4,575,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 11 $ 4,115,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 2,485,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 19,608,230,000 9 $ 2,755,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 181,087,209,000 9 $ 5,385,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 4,915,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 8 $ 3,090,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 3,080,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 7 $ 3,365,000
Advantis Credit Union
10501 SE MAIN ST
OREGON CITY, OR 97222
* $ 1,980,374,000 7 $ 1,395,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 1,845,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 3,190,000
Oregon Community Credit Union
2880 CHAD DRIVE
EUGENE, OR 97408
* $ 2,826,121,000 6 $ 1,630,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 6 $ 700,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 5 $ 2,185,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 5 $ 695,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 1,775,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 1,455,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 2,375,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 5 $ 2,085,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 1,400,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 4 $ 1,770,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 440,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 4 $ 1,500,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 4 $ 1,120,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 1,135,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 3 $ 475,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 895,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 3 $ 1,985,000
Columbia Credit Union
PO BOX 324
VANCOUVER, WA 98666
* $ 2,324,856,000 3 $ 195,000
Iq Credit Union
1313 MAIN STREET
VANCOUVER, WA 98660
* $ 1,790,471,000 3 $ 365,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 1,575,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 3 $ 2,215,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 1,435,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 1,255,000
Sammamish Mortgage Company
3015 112TH AVE NE STE 214
BELLEVUE, WA 98004
* $ -1,000 3 $ 1,215,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 3 $ 905,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 885,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 3 $ 2,645,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 1,185,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 3 $ 1,095,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 3 $ 775,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 7,158,676,000 3 $ 955,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 3 $ 1,465,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 1,595,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 1,655,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 630,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 2 $ 180,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 1,220,000
Oregon State Credit Union
1980 NW 9TH STREET
CORVALLIS, OR 97330
* $ 2,088,595,000 2 $ 350,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 1,680,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 1,370,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 970,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 2 $ 1,020,000
MUFG Union Bank, National Association
9865 TOWNE CENTRE DRIVE, 3RD FLOOR
SAN DIEGO, CA 92121
* $ 127,858,876,000 2 $ 810,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 190,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 2 $ 1,080,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 16,798,536,000 2 $ 190,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 11,067,830,000 2 $ 1,530,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 750,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 790,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 880,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 690,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 10,716,065,000 2 $ 460,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 870,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 930,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 2 $ 280,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 121,064,212,000 2 $ 1,330,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 410,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 1,726,757,000 2 $ 140,000
Home Mortgage Alliance, LLC
5350 S. ROSLYN STREET SUITE 160
WILMINGTON, DE 80111
* $ -1,000 1 $ 155,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,886,658,000 1 $ 375,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 175,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 395,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 1 $ 205,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 1 $ 345,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 7,338,072,000 1 $ 165,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 115,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 305,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 1 $ 645,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,502,617,000 1 $ 105,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 2,797,870,000 1 $ 145,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 455,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 605,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,824,450,000 1 $ 105,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 325,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 135,000
Heritage Bank
201 5TH AVENUE SW
OLYMPIA, WA 98501
* $ 7,429,804,000 1 $ 1,005,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 655,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 525,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 725,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 175,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 1 $ 985,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 14,047,081,000 1 $ 405,000
Mortgage Express
10260 SW GREENBURG ROAD #830
PORTLAND, OR 97224
* $ -1,000 1 $ 625,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 335,000
One American Bank
515 S MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 345,640,000 1 $ 975,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 585,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 605,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 407,850,000 1 $ 495,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 1 $ 805,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 215,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 555,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 325,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 115,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 1 $ 265,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 1 $ 685,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 4,984,416,000 1 $ 105,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 1,341,481,000 1 $ 315,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 1 $ 365,000
Greenfield Banking Company
1920 NORTH STATE STREET
GREENFIELD, IN 46140
* $ 839,614,000 1 $ 825,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 245,000
University Credit Union
1500 S. SEPULVEDA BLVD.
LOS ANGELES, CA 90025
* $ 1,047,101,000 1 $ 335,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 1 $ 255,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 385,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 30,156,698,000 1 $ 35,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 245,000
The Mortgage Company
7343 S ALTON WAY STE 150
CENTENNIAL, CO 80112
* $ -1,000 1 $ 575,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 545,000
Gallic & Johnson, LLC
146 E 12TH AVE
EUGENE, OR 97401
* $ -1,000 1 $ 215,000
Salal Credit Union
1515 DEXTER AVE N
SEATTLE, WA 98115
* $ 1,076,835,000 1 $ 255,000
Summit Mortgage Corporation
4700 SW MACADAM AVE
PORTLAND, OR 97239
* $ -1,000 1 $ 385,000
Utah First Credit Union
200 E SOUTH TEMPLE
SALT LAKE CITY, UT 84111
* $ 688,960,000 1 $ 95,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 815,000
First Federal
140 E THIRD ST
MCMINNVILLE, OR 97128
* $ 639,722,000 1 $ 805,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,190,390,000 1 $ 65,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 2,286,020,000 1 $ 315,000
Oregonians Credit Union
6915 SE LAKE RD
MILWAUKIE, OR 97267
* $ 384,125,000 1 $ 255,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 1 $ 665,000

The tables below break down 2022 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 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 353 $171,065,000 $484,000 $1,445,000 $166,000 $724,000
Cash-out Refinancing 213 $79,175,000 $371,000 $1,095,000 $123,000 $906,000
Home Improvement 151 $27,745,000 $183,000 $1,005,000 $154,000 $774,000
Refinancing 135 $43,235,000 $320,000 $1,385,000 $138,000 $836,000
Other Purpose 126 $28,040,000 $222,000 $1,015,000 $196,000 $2,121,000
Not Applicable 3 $465,000 $155,000 $265,000 $70,000 $70,000

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 637 $222,145,000 $348,000 $1,445,000 $160,000 $906,000
Not Provided 146 $58,320,000 $399,000 $1,205,000 $174,000 $2,121,000
Hispanic 112 $32,210,000 $287,000 $745,000 $95,000 $424,000
Not applicable 54 $26,600,000 $492,000 $1,205,000 $175,000 $381,000
Asian 16 $4,880,000 $305,000 $545,000 $141,000 $404,000
American Indian or Alaskan Native 12 $4,300,000 $358,000 $575,000 $171,000 $477,000
Native Hawaiian or Other Pacific Islander 2 $610,000 $305,000 $325,000 $207,000 $292,000
Black or African American 1 $455,000 $455,000 $455,000 $185,000 $185,000

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) 896 $316,120,000 $352,000 $1,445,000 $160,000 $2,121,000
FHA-insured (Federal Housing Administration) 61 $21,675,000 $355,000 $545,000 $77,000 $211,000
VA-guaranteed (Veterans Administration) 22 $11,460,000 $520,000 $825,000 $111,000 $244,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $470,000 $235,000 $335,000 $45,000 $45,000

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 596 $212,260,000 $356,000 $1,385,000 $160,000 $1,440,000
Application Withdrawn By Applicant 135 $51,255,000 $379,000 $1,205,000 $149,000 $565,000
Application Denied By Financial Institution 125 $35,325,000 $282,000 $1,445,000 $136,000 $2,121,000
Loan Purchased By The Institution 57 $28,335,000 $497,000 $1,235,000 $202,000 $405,000
File Closed For Incompleteness 40 $13,730,000 $343,000 $1,095,000 $154,000 $730,000
Application Approved But Not Accepted 21 $6,205,000 $295,000 $565,000 $126,000 $266,000
Preapproval Denied by Financial Institution 7 $2,615,000 $373,000 $545,000 $76,000 $122,000
Preapproval Approved but not Accepted 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 847 $311,505,000 $367,000 $1,385,000 $158,000 $1,440,000
Debt-To-Income Ratio 52 $13,410,000 $257,000 $765,000 $68,000 $296,000
Credit History 23 $5,545,000 $241,000 $655,000 $101,000 $144,000
Other 17 $4,655,000 $273,000 $425,000 $141,000 $306,000
Credit Application Incomplete 16 $6,290,000 $393,000 $745,000 $247,000 $2,121,000
Collateral 15 $4,135,000 $275,000 $1,005,000 $183,000 $579,000
Unverifiable Information 9 $3,545,000 $393,000 $1,445,000 $284,000 $724,000
Insufficient Cash (Downpayment, Closing Cost) 2 $640,000 $320,000 $355,000 $85,000 $106,000
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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