Houston County, TX Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 688 mortgage applications in Houston County, TX totaling $123.2 million, up 10% from 2024. The average application was for $179,000, and applicants reported an average income of $106,000. 32% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 117 applications, followed by Vanderbilt Mortgage and Finance, Inc and Triad Financial Services, Inc..
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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 | 688 |
| Total Mortgage Loan Application Amount | $123,240,000 |
| Average Mortgage Loan Application Amount | $179,000 |
| Highest Mortgage Loan Application Amount | $1,535,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $1,102,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 117 | $ 14,995,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 50 | $ 5,460,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 50 | $ 6,160,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ n/a | 43 | $ 7,475,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 23 | $ 4,985,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 20 | $ 2,420,000 |
| First National Bank of Huntsville PO BOX 659 , 1300 11TH ST HUNTSVILLE, TX 77340 |
* | $ n/a | 18 | $ 2,280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 3,310,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 13 | $ 1,785,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 2,265,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 10 | $ 1,550,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 9 | $ 1,145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 2,040,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 7 | $ 935,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 885,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 1,185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 7 | $ 1,225,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 6 | $ 3,260,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 6 | $ 1,030,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 6 | $ 880,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 1,250,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 6 | $ 1,150,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,570,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,310,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 5 | $ 1,205,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 5 | $ 725,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 5 | $ 815,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ n/a | 5 | $ 1,125,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 915,000 |
| Commercial Bank of Texas, NA 215 E MAIN ST NACOGDOCHES, TX 75961 |
* | $ n/a | 5 | $ 1,085,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 4 | $ 310,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 4 | $ 2,570,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 820,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 340,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,700,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 1,020,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 4 | $ 170,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ n/a | 4 | $ 1,430,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 325,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 605,000 |
| Pilgrim Mortgage LLC 1270 N LOOP 1604 E STE 1101 SAN ANTONIO, TX 78232 |
* | $ n/a | 3 | $ 825,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 3 | $ 365,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 3 | $ 355,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 3 | $ 775,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 3 | $ 675,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ n/a | 3 | $ 255,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 3 | $ 945,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 3 | $ 285,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 3 | $ 215,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ n/a | 2 | $ 1,940,000 |
| K&G Capital Mortgage, LLC 3210 N FRAZIER ST CONROE, TX 77303 |
* | $ n/a | 2 | $ 360,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 410,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ n/a | 2 | $ 300,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ n/a | 2 | $ 330,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 270,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 420,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 790,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 90,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 2 | $ 480,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 1,120,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 240,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 360,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 110,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 2 | $ 270,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 370,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 160,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 340,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 330,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 2 | $ 490,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ n/a | 2 | $ 450,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 240,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 530,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 310,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ n/a | 2 | $ 580,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ n/a | 2 | $ 620,000 |
| Southside Bank 1201 S BECKHAM TYLER, TX 75701 |
* | $ n/a | 1 | $ 115,000 |
| Shell Federal Credit Union 301 E 13TH ST DEER PARK, TX 77536 |
* | $ n/a | 1 | $ 145,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 65,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ n/a | 1 | $ 125,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ n/a | 1 | $ 275,000 |
| Great Southern Bank P O BOX 1271 MERIDIAN, MS 39301 |
* | $ n/a | 1 | $ 95,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 305,000 |
| Wagon Hill Home Loans LLC 4700 W SAM HOUSTON PKWY N HOUSTON, TX 77041 |
* | $ n/a | 1 | $ 655,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 205,000 |
| Directions Equity, LLC 2915 W BITTERS RD #102 SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 245,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 155,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 395,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 115,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 175,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 145,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 1 | $ 135,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 265,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 805,000 |
| Texas D P S Credit Union 621 W ST JOHNS AVE AUSTIN, TX 78752 |
* | $ n/a | 1 | $ 25,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 1 | $ 655,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 95,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 65,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 245,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 195,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 155,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 195,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ n/a | 1 | $ 665,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 1 | $ 665,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ n/a | 1 | $ 95,000 |
| Brazos Valley Schools Credit U 25425 KINGSLAND BLVD KATY, TX 77494 |
* | $ n/a | 1 | $ 1,535,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ n/a | 1 | $ 385,000 |
| Stellar Bank 9 GREENWAY PLAZA, SUITE 110 HOUSTON, TX 77046 |
* | $ n/a | 1 | $ 25,000 |
| First State Bank P O BOX 5 LOUISE, TX 77455 |
* | $ n/a | 1 | $ 535,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 105,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ n/a | 1 | $ 265,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 245,000 |
| Greater Texas FCU 1180 AIRPORT BLVD AUSTIN, TX 78727 |
* | $ n/a | 1 | $ 85,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 245,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 1 | $ 125,000 |
| Encompass Lending Group, L.P. 23108 SEVEN MEADOWS PKWY SUITE 100 KATY, TX 77494 |
* | $ n/a | 1 | $ 345,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 75,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ n/a | 1 | $ 215,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 485,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ n/a | 1 | $ 145,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ n/a | 1 | $ 395,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 325,000 |
| Texas National Bank of Jacksonville 1518 E GRANDE BLVD TYLER, TX 75703 |
* | $ n/a | 1 | $ 385,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 185,000 |
| Ubank 208 S US HIGHWAY 69 HUNTINGTON, TX 75949 |
* | $ n/a | 1 | $ 85,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ n/a | 1 | $ 405,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 365,000 |
| New Fed Mortgage Corp. 98 HIGH ST DANVERS, MA 01923 |
* | $ n/a | 1 | $ 215,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 85,000 |
The tables below break down 2025 mortgage applications in Houston 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 Houston County, TX in 2025
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 | 502 | $89,160,000 | $177,000 | $1,535,000 | $97,000 | $683,000 |
| Refinancing | 60 | $16,760,000 | $279,000 | $975,000 | $159,000 | $467,000 |
| Cash-out Refinancing | 56 | $8,900,000 | $158,000 | $655,000 | $98,000 | $356,000 |
| Home Improvement | 36 | $3,970,000 | $110,000 | $605,000 | $142,000 | $775,000 |
| Other Purpose | 32 | $4,290,000 | $134,000 | $805,000 | $165,000 | $1,102,000 |
| Not Applicable | 2 | $160,000 | $80,000 | $135,000 | $88,000 | $88,000 |
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 | 400 | $78,900,000 | $197,000 | $1,535,000 | $116,000 | $1,102,000 |
| Black or African American | 100 | $12,250,000 | $122,000 | $745,000 | $73,000 | $391,000 |
| Not Provided | 88 | $15,370,000 | $174,000 | $885,000 | $102,000 | $313,000 |
| Hispanic | 53 | $7,635,000 | $144,000 | $395,000 | $105,000 | $600,000 |
| Not applicable | 37 | $7,215,000 | $195,000 | $665,000 | $110,000 | $110,000 |
| American Indian or Alaskan Native | 5 | $1,055,000 | $211,000 | $395,000 | $144,000 | $193,000 |
| Asian | 5 | $815,000 | $163,000 | $195,000 | $41,000 | $73,000 |
| 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) | 535 | $90,625,000 | $169,000 | $1,535,000 | $110,000 | $1,102,000 |
| FHA-insured (Federal Housing Administration) | 87 | $16,155,000 | $185,000 | $495,000 | $82,000 | $313,000 |
| VA-guaranteed (Veterans Administration) | 56 | $15,310,000 | $273,000 | $945,000 | $118,000 | $246,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,150,000 | $115,000 | $185,000 | $44,000 | $88,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 224 | $36,750,000 | $164,000 | $1,535,000 | $91,000 | $1,102,000 |
| Loan Originated | 219 | $44,425,000 | $202,000 | $965,000 | $120,000 | $683,000 |
| Application Withdrawn By Applicant | 82 | $16,880,000 | $205,000 | $1,005,000 | $119,000 | $467,000 |
| File Closed For Incompleteness | 82 | $11,260,000 | $137,000 | $615,000 | $101,000 | $775,000 |
| Application Approved But Not Accepted | 44 | $6,720,000 | $152,000 | $945,000 | $107,000 | $313,000 |
| Loan Purchased By The Institution | 36 | $6,970,000 | $193,000 | $665,000 | $104,000 | $110,000 |
| Preapproval Approved but not Accepted | 1 | $235,000 | $235,000 | $235,000 | $82,000 | $82,000 |
| 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 | 462 | $85,860,000 | $185,000 | $1,005,000 | $115,000 | $775,000 |
| Credit History | 107 | $13,895,000 | $129,000 | $535,000 | $91,000 | $1,102,000 |
| Debt-To-Income Ratio | 59 | $13,475,000 | $228,000 | $1,535,000 | $79,000 | $851,000 |
| Other | 19 | $2,935,000 | $154,000 | $365,000 | $107,000 | $245,000 |
| Collateral | 17 | $2,705,000 | $159,000 | $315,000 | $120,000 | $600,000 |
| Credit Application Incomplete | 9 | $2,045,000 | $227,000 | $885,000 | $103,000 | $222,000 |
| Unverifiable Information | 9 | $1,255,000 | $139,000 | $395,000 | $76,000 | $171,000 |
| Employment History | 3 | $495,000 | $165,000 | $205,000 | $144,000 | $322,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $575,000 | $191,000 | $355,000 | $80,000 | $112,000 |
| 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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