Hopkins County, TX Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,150 mortgage applications in Hopkins County, TX totaling $260.1 million, down 2% from 2023. The average application was for $226,000, and applicants reported an average income of $112,000. 45% of applications resulted in an originated loan and 23% were denied. The most active lender was The City National Bank of Sulphur Springs, with 122 applications, followed by 21st Mortgage and Alliance Bank.

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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 1,150
Total Mortgage Loan Application Amount $260,060,000
Average Mortgage Loan Application Amount $226,000
Highest Mortgage Loan Application Amount $12,805,000
Average Applicant Income $112,000
Highest Applicant Income $967,000

Mortgage Company List for Lending in Hopkins County, TX 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
The City National Bank of Sulphur Springs
1108 S BROADWAY ST
SULPHUR SPRINGS, TX 75482
* $ n/a 122 $ 23,420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 94 $ 14,300,000
Alliance Bank
P.O. BOX 500
SULPHUR SPRINGS, TX 75483
* $ n/a 76 $ 19,180,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 75 $ 9,205,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 71 $ 9,785,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 40 $ 11,280,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 37 $ 9,005,000
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ n/a 28 $ 5,410,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 28 $ 6,560,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 21 $ 4,955,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 20 $ 6,460,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 19 $ 4,345,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 19 $ 3,125,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 19 $ 2,535,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 17 $ 1,495,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 16 $ 2,700,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 15 $ 4,105,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 15 $ 1,745,000
Texas Heritage National Bank
107 WEBB STREET
DAINGERFIELD, TX 75638
* $ n/a 12 $ 1,970,000
First National Bank of East Texas
206 US HWY 271 N
GILMER, TX 75644
* $ n/a 12 $ 3,280,000
American National Bank of Texa
102 W MOORE AVENUE
TERRELL, TX 75160
* $ n/a 12 $ 5,390,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 2,595,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 10 $ 2,180,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ n/a 9 $ 1,115,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 9 $ 2,595,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 9 $ 2,405,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 8 $ 1,180,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 8 $ 1,410,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 7 $ 1,835,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 7 $ 2,455,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 7 $ 2,535,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 7 $ 2,895,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 680,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ n/a 6 $ 420,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 6 $ 1,110,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 6 $ 1,130,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 675,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 5 $ 1,445,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 5 $ 1,435,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 5 $ 625,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 5 $ 785,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 2,045,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 4 $ 1,350,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ n/a 4 $ 1,180,000
Lone Star Credit Union
7508 FERGUSON ROAD
DALLAS, TX 75228
* $ n/a 4 $ 610,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 4 $ 640,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ n/a 4 $ 820,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ n/a 4 $ 1,070,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 4 $ 720,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ n/a 4 $ 1,280,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 4 $ 850,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 680,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 3 $ 775,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 385,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ n/a 3 $ 695,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ n/a 3 $ 775,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 3 $ 745,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 915,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 3 $ 995,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 995,000
Willow Bend Mortgage Company, LLC
5800 W PLANO PKWY STE 105
PLANO, TX 75093
* $ n/a 3 $ 845,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ n/a 3 $ 725,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 3 $ 1,405,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 3 $ 2,845,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ n/a 3 $ 945,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 325,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 795,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 3 $ 485,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 770,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ n/a 2 $ 540,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 560,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 2 $ 580,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 2 $ 740,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 260,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 360,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 2,760,000
Veritex Community Bank
2101 ABRAMS RD
DALLAS, TX 75225
* $ n/a 2 $ 180,000
First National Bank of Winnsboro
315 N. MAIN P.O. BOX 29
WINNSBORO, TX 75494
* $ n/a 2 $ 280,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ n/a 2 $ 480,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 470,000
Cypress Bank State Savings Bank
120 S GREER BLVD
PITTSBURG, TX 75686
* $ n/a 2 $ 310,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 2 $ 970,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 540,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 180,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 540,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 2 $ 190,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 2 $ 1,020,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 190,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 2 $ 300,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 2 $ 530,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 2 $ 680,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 2 $ 530,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 2 $ 760,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 2 $ 840,000
Austin Bank, Texas National Association
PO BOX 1537
JACKSONVILLE, TX 75766
* $ n/a 2 $ 370,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 330,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 550,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 235,000
Lamar National Bank
200 S COLLEGIATE DR
PARIS, TX 75460
* $ n/a 1 $ 135,000
Extraco Banks, NA
18 SOUTH MAIN STREET
TEMPLE, TX 76502
* $ n/a 1 $ 325,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 95,000
Homebank Texas
601 N HWY 175
SEAGOVILLE, TX 75159
* $ n/a 1 $ 525,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 455,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 185,000
Texasbank
400 FISK AVE
BROWNWOOD, TX 76801
* $ n/a 1 $ 355,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 225,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 375,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ n/a 1 $ 85,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 115,000
The First National Bank of Gra
101 E BRIDGE ST
GRANBURY, TX 76048
* $ n/a 1 $ 75,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 55,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 285,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Intouch Credit Union
P O BOX 250169
PLANO, TX 75025
* $ n/a 1 $ 375,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 145,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ n/a 1 $ 235,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 275,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ n/a 1 $ 155,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 605,000
The Moneyhouse Inc.
#52 CALLE PASEO COVANDONGA
SAN JUAN, PR 00901
* $ n/a 1 $ 185,000
Abbott Laboratories Employees Credit Union
325 TRI STATE PKWY
GURNEE, IL 60031
* $ n/a 1 $ 235,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 255,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 565,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 85,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 1 $ 685,000
Transpecos Banks, SSB - Pecos, Tx
112 E. PECAN STREET SUITE 800
SAN ANTONIO, TX 78205
* $ n/a 1 $ 75,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 355,000
Floridacentral Credit Union
3333 HENDERSON BLVD
TAMPA, FL 33609
* $ n/a 1 $ 65,000
Arvest Bank

TULSA, OK 74103
* $ n/a 1 $ 335,000
City Credit Union
7474 FERGUSON RD
DALLAS, TX 75228
* $ n/a 1 $ 45,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ n/a 1 $ 75,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 295,000
Velocio Mortgage, L.L.C.
1177 W LOOP S FWY #700
HOUSTON, TX 77027
* $ n/a 1 $ 355,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 215,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 435,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 565,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 375,000
Pilgrim Bank
145 EAST MARSHALL STREET
PITTSBURG, TX 75686
* $ n/a 1 $ 45,000
Farmers Bank & Trust
200 E MAIN ST
MAGNOLIA, AR 71753
* $ n/a 1 $ 255,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ n/a 1 $ 535,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 95,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ n/a 1 $ 565,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 55,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ n/a 1 $ 415,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 335,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 305,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 455,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 175,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 375,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 55,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ n/a 1 $ 395,000
Cbre Multifamily Capital, Inc.

HOUSTON, TX 77079
* $ n/a 1 $ 12,805,000
Integrity Mortgage Corporation of Texas
5 HORIZON CT
HEATH, TX 75032
* $ n/a 1 $ 435,000

The tables below break down 2024 mortgage applications in Hopkins 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 Hopkins County, TX 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 795 $176,605,000 $222,000 $1,685,000 $107,000 $889,000
Cash-out Refinancing 126 $27,360,000 $217,000 $1,465,000 $99,000 $398,000
Refinancing 105 $43,135,000 $410,000 $12,805,000 $151,000 $713,000
Home Improvement 63 $6,205,000 $98,000 $405,000 $133,000 $967,000
Other Purpose 59 $6,645,000 $112,000 $425,000 $130,000 $395,000
Not Applicable 2 $110,000 $55,000 $95,000 $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 727 $158,795,000 $218,000 $1,685,000 $120,000 $967,000
Hispanic 154 $26,270,000 $170,000 $725,000 $78,000 $319,000
Not applicable 111 $40,525,000 $365,000 $12,805,000 $138,000 $208,000
Not Provided 90 $22,500,000 $250,000 $995,000 $128,000 $777,000
Black or African American 38 $6,010,000 $158,000 $605,000 $81,000 $278,000
Asian 16 $3,280,000 $205,000 $335,000 $65,000 $139,000
American Indian or Alaskan Native 12 $2,410,000 $200,000 $565,000 $66,000 $154,000
Native Hawaiian or Other Pacific Islander 2 $270,000 $135,000 $185,000 $86,000 $133,000

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) 926 $198,350,000 $214,000 $12,805,000 $117,000 $967,000
FHA-insured (Federal Housing Administration) 121 $30,575,000 $252,000 $475,000 $85,000 $183,000
VA-guaranteed (Veterans Administration) 84 $27,080,000 $322,000 $855,000 $96,000 $202,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $4,055,000 $213,000 $335,000 $77,000 $113,000

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 512 $134,160,000 $262,000 $12,805,000 $130,000 $967,000
Application Denied By Financial Institution 264 $40,760,000 $154,000 $805,000 $82,000 $437,000
Application Withdrawn By Applicant 137 $35,745,000 $260,000 $1,685,000 $123,000 $466,000
Loan Purchased By The Institution 86 $19,570,000 $227,000 $705,000 $121,000 $208,000
File Closed For Incompleteness 77 $15,185,000 $197,000 $655,000 $99,000 $336,000
Application Approved But Not Accepted 74 $14,640,000 $197,000 $755,000 $96,000 $350,000
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 812 $200,600,000 $247,000 $12,805,000 $121,000 $967,000
Debt-To-Income Ratio 158 $32,830,000 $207,000 $755,000 $98,000 $778,000
Credit History 97 $12,765,000 $131,000 $475,000 $82,000 $271,000
Other 24 $3,530,000 $147,000 $805,000 $93,000 $198,000
Collateral 23 $4,245,000 $184,000 $555,000 $87,000 $188,000
Credit Application Incomplete 13 $2,785,000 $214,000 $635,000 $167,000 $437,000
Unverifiable Information 11 $1,335,000 $121,000 $175,000 $80,000 $121,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,705,000 $155,000 $395,000 $66,000 $147,000
Employment History 1 $265,000 $265,000 $265,000 $59,000 $59,000
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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