Hot Spring County, AR Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,445 mortgage applications in Hot Spring County, AR totaling $204.0 million, up 12% from 2023. The average application was for $141,000, and applicants reported an average income of $82,000. 36% of applications resulted in an originated loan and 26% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 160 applications, followed by Triad Financial Services, Inc. and 21st Mortgage.
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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 | 1,445 |
| Total Mortgage Loan Application Amount | $203,975,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,788,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 160 | $ 17,840,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 111 | $ 13,635,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 102 | $ 9,660,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ n/a | 64 | $ 6,250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 57 | $ 6,855,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 51 | $ 9,525,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ n/a | 49 | $ 5,275,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 47 | $ 3,605,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 30 | $ 4,090,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 29 | $ 5,765,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 28 | $ 5,030,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 27 | $ 2,325,000 |
| Malvern National Bank 425 S. MAIN STREET MALVERN, AR 72104 |
* | $ n/a | 25 | $ 3,045,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 23 | $ 4,145,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 22 | $ 5,270,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 19 | $ 2,835,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 19 | $ 1,795,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 18 | $ 4,060,000 |
| Diamond Lakes Federal Credit Union 7333 US-270 MALVERN, AR 72104 |
* | $ n/a | 17 | $ 1,665,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 17 | $ 3,935,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 16 | $ 1,440,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 16 | $ 1,860,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 16 | $ 2,820,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 15 | $ 3,345,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 15 | $ 3,295,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 15 | $ 2,565,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 14 | $ 2,900,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ n/a | 13 | $ 1,915,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 12 | $ 1,810,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 12 | $ 2,420,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ n/a | 12 | $ 1,360,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 11 | $ 2,095,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 11 | $ 1,465,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 10 | $ 1,760,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 10 | $ 1,790,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 9 | $ 1,315,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 410,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 8 | $ 1,300,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 8 | $ 1,790,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 8 | $ 2,110,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 7 | $ 435,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ n/a | 7 | $ 1,275,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 7 | $ 1,335,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 6 | $ 800,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 6 | $ 730,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 6 | $ 960,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 620,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 6 | $ 1,950,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 855,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 5 | $ 435,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 4 | $ 580,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 680,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 180,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 4 | $ 610,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 160,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 670,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 990,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 530,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 670,000 |
| Farm Credit Services of Western Arkansas 3115 WEST SECOND COURT RUSSELLVILLE, AR 72802 |
* | $ n/a | 4 | $ 960,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 3 | $ 595,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 3 | $ 455,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 325,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 3 | $ 105,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 3 | $ 775,000 |
| First Security Bank PO BOX 938 SEARCY, AR 72143 |
* | $ n/a | 3 | $ 885,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 695,000 |
| Cotton Belt Federal Credit Union 1703 RIVER PINES BLVD PINE BLUFF, AR 71601 |
* | $ n/a | 3 | $ 365,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 555,000 |
| Peoples Bank 1120 SOUTH ROCK SHERIDAN, AR 72150 |
* | $ n/a | 3 | $ 295,000 |
| Relyance Bank 912 SOUTH POPLAR STREET WHITE HALL, AR 71602 |
* | $ n/a | 3 | $ 315,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 3 | $ 435,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 3 | $ 375,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ n/a | 3 | $ 505,000 |
| Ameritrust Mortgage Corporation FLOWER MOUND, TX 75022 |
* | $ n/a | 2 | $ 290,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 2 | $ 250,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ n/a | 2 | $ 450,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 640,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 2 | $ 370,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 260,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 500,000 |
| Chambers Bank 901 MAIN STREET DANVILLE, AR 72833 |
* | $ n/a | 2 | $ 230,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 2 | $ 110,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 240,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 430,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 2 | $ 600,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 190,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 2 | $ 340,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 420,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 350,000 |
| Diamond Bank PO BOX 10 GLENWOOD, AR 71943 |
* | $ n/a | 2 | $ 150,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 2 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 410,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 230,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 520,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 2 | $ 200,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 1 | $ 225,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 145,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 205,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ n/a | 1 | $ 615,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 495,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 65,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 245,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 75,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 125,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 175,000 |
| First Service Bank PO BOX 190 GREENBRIER, AR 72058 |
* | $ n/a | 1 | $ 115,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 55,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 65,000 |
| Fbt Bank & Mortgage 200 WEST FOURTH ST FORDYCE, AR 71742 |
* | $ n/a | 1 | $ 45,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ n/a | 1 | $ 155,000 |
| Stone Bank 900 S SHACKLEFORD RD #210 LITTLE ROCK, AR 72211 |
* | $ n/a | 1 | $ 255,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ n/a | 1 | $ 95,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 275,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 105,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 185,000 |
| First National Bank of Fort Smith 602 GARRISON AVE FORT SMITH, AR 72901 |
* | $ n/a | 1 | $ 175,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 385,000 |
| Telcoe Federal Credit Union PO BOX 34200 LITTLE ROCK, AR 72201 |
* | $ n/a | 1 | $ 45,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 85,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 185,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 315,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 265,000 |
| Gibsland Bank & Trust 1246 3RD STREET GIBSLAND, LA 71028 |
* | $ n/a | 1 | $ 385,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 505,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 85,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 115,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 1 | $ 185,000 |
| Clearedge Lending LLC 20 ENTERPRISE SUITE 350 ALISO VIEJO, CA 92656 |
* | $ n/a | 1 | $ 155,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 1 | $ 225,000 |
| The Bank of Fayette County 1265 HWY 57 EAST COLLIERVILLE, TN 38017 |
* | $ n/a | 1 | $ 525,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 185,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ n/a | 1 | $ 85,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 225,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ n/a | 1 | $ 65,000 |
| Sea West Coast Gurad FCU P.O.BOX 4949 OAKLAND, CA 94605 |
* | $ n/a | 1 | $ 55,000 |
| Encore Bank 1801 RAHLING RD LITTLE ROCK, AR 72223 |
* | $ n/a | 1 | $ 155,000 |
| The Citizens Bank 200 S THIRD ST, PO BOX 2156 BATESVILLE, AR 72503 |
* | $ n/a | 1 | $ 195,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 275,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2024 mortgage applications in Hot Spring County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Hot Spring County, AR 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 | 972 | $143,610,000 | $147,000 | $705,000 | $76,000 | $1,161,000 |
| Cash-out Refinancing | 149 | $22,285,000 | $149,000 | $495,000 | $84,000 | $439,000 |
| Refinancing | 142 | $25,030,000 | $176,000 | $695,000 | $119,000 | $1,788,000 |
| Other Purpose | 102 | $7,640,000 | $74,000 | $335,000 | $89,000 | $535,000 |
| Home Improvement | 79 | $5,385,000 | $68,000 | $355,000 | $88,000 | $279,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 1,036 | $143,570,000 | $138,000 | $695,000 | $83,000 | $1,788,000 |
| Not applicable | 187 | $29,695,000 | $158,000 | $695,000 | $59,000 | $79,000 |
| Not Provided | 103 | $16,515,000 | $160,000 | $705,000 | $83,000 | $391,000 |
| Black or African American | 62 | $7,140,000 | $115,000 | $455,000 | $55,000 | $179,000 |
| Hispanic | 40 | $4,980,000 | $124,000 | $655,000 | $103,000 | $1,161,000 |
| American Indian or Alaskan Native | 14 | $1,790,000 | $127,000 | $385,000 | $100,000 | $289,000 |
| Asian | 3 | $285,000 | $95,000 | $125,000 | $67,000 | $89,000 |
| 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) | 1,028 | $127,390,000 | $123,000 | $705,000 | $86,000 | $1,788,000 |
| FHA-insured (Federal Housing Administration) | 198 | $32,740,000 | $165,000 | $505,000 | $68,000 | $439,000 |
| VA-guaranteed (Veterans Administration) | 124 | $27,490,000 | $221,000 | $505,000 | $80,000 | $344,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $16,355,000 | $172,000 | $345,000 | $64,000 | $106,000 |
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 | 526 | $77,360,000 | $147,000 | $705,000 | $89,000 | $1,788,000 |
| Application Denied By Financial Institution | 381 | $43,955,000 | $115,000 | $475,000 | $72,000 | $1,161,000 |
| Loan Purchased By The Institution | 165 | $27,345,000 | $165,000 | $695,000 | $61,000 | $133,000 |
| Application Withdrawn By Applicant | 163 | $26,305,000 | $161,000 | $675,000 | $92,000 | $576,000 |
| File Closed For Incompleteness | 127 | $16,475,000 | $129,000 | $425,000 | $70,000 | $230,000 |
| Application Approved But Not Accepted | 80 | $11,520,000 | $144,000 | $385,000 | $93,000 | $431,000 |
| Preapproval Approved but not Accepted | 3 | $1,015,000 | $338,000 | $455,000 | $140,000 | $228,000 |
| 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 | 1,051 | $158,245,000 | $150,000 | $705,000 | $86,000 | $1,788,000 |
| Credit History | 175 | $18,785,000 | $107,000 | $305,000 | $67,000 | $500,000 |
| Debt-To-Income Ratio | 103 | $12,585,000 | $122,000 | $395,000 | $59,000 | $309,000 |
| Collateral | 32 | $4,730,000 | $147,000 | $475,000 | $120,000 | $637,000 |
| Unverifiable Information | 32 | $3,410,000 | $106,000 | $245,000 | $60,000 | $159,000 |
| Credit Application Incomplete | 23 | $2,645,000 | $115,000 | $305,000 | $101,000 | $666,000 |
| Other | 18 | $2,270,000 | $126,000 | $275,000 | $155,000 | $1,161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,010,000 | $126,000 | $245,000 | $60,000 | $80,000 |
| Employment History | 3 | $295,000 | $98,000 | $115,000 | $28,000 | $52,000 |
| 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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