Howard County, TX Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,084 mortgage applications in Howard County, TX totaling $233.4 million, up 29% from 2012. The average application was for $215,000, and applicants reported an average income of $66,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was Lrs Financial Network dba Hnb Mortgage, with 167 applications, followed by JPMorgan Chase Bank, NA and Wells Fargo Bank NA.
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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 | 1,084 |
| Total Mortgage Loan Application Amount | $233,446,000 |
| Average Mortgage Loan Application Amount | $215,000 |
| Highest Mortgage Loan Application Amount | $57,436,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $444,000 |
* 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 |
|---|---|---|---|---|
| Lrs Financial Network dba Hnb Mortgage 2101 W. WADLEY STE. 36 MIDLAND, TX 79705 |
* | $ 11,322,000 | 167 | $ 21,401,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 156 | $ 17,837,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 137 | $ 7,715,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 74 | $ 9,596,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 70 | $ 4,230,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 14,590,421,000 | 40 | $ 3,758,000 |
| Western Bank 5701 82ND ST LUBBOCK, TX 79401 |
* | $ 192,648,000 | 34 | $ 1,876,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 22 | $ 3,046,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 20 | $ 2,303,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 17 | $ 1,442,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 17 | $ 1,248,000 |
| Firstcapital Bank of Texas, National Association 3900 S. SONCY RD AMARILLO, TX 79119 |
* | $ 713,121,000 | 15 | $ 1,939,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 13 | $ 1,215,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 12 | $ 979,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 69,076,722,000 | 12 | $ 1,123,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 1,270,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 9 | $ 1,347,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 655,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 8 | $ 951,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 7 | $ 988,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,041,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 6 | $ 856,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 616,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 6 | $ 322,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 5 | $ 792,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 865,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 5 | $ 884,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 524,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 237,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 4 | $ 487,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 312,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 4 | $ 451,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 5,326,408,000 | 4 | $ 439,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 3 | $ 264,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 3 | $ 699,000 |
| Lone Star State Bank of West Texas 6220 MILWAUKEE AVENUE LUBBOCK, TX 79424 |
* | $ 519,695,000 | 3 | $ 58,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 319,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 3 | $ 480,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 3 | $ 394,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 275,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 335,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 233,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 2 | $ 427,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 2 | $ 266,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 201,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 2 | $ 113,414,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 298,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 423,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 347,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 436,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 218,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 336,000 |
| Strategic Lending Group Inc 201 E MAIN SUITE 510 EL PASO, TX 79901 |
* | $ 1,220,291,000 | 2 | $ 360,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 577,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 2 | $ 144,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 2 | $ 231,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 203,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 2 | $ 112,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 2 | $ 50,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 2 | $ 282,000 |
| Community National Bank 401 W. TEXAS AVE. MIDLAND, TX 79701 |
* | $ 1,142,946,000 | 2 | $ 426,000 |
| West Texas National Bank 6 DESTA DRIVE STE 2400 MIDLAND, TX 79705 |
* | $ 866,948,000 | 2 | $ 149,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 85,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,941,572,000 | 1 | $ 4,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,023,250,000 | 1 | $ 120,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 636,087,000 | 1 | $ 123,000 |
| Htlf Bank 1800 LARIMER ST STE 100 DENVER, CO 80202 |
* | $ 119,751,000 | 1 | $ 42,000 |
| Southwest Heritage 2809 JBS PARKWAY, PO BOX 4898 ODESSA, TX 79760 |
* | $ 92,343,000 | 1 | $ 123,000 |
| Marion & Polk Schools Credit Union PO BOX 12398 SALEM, OR 97309 |
* | $ 445,384,000 | 1 | $ 115,000 |
| First Basin Credit Union 2740 NORTH COUNTY ROAD WEST ODESSA, TX 79764 |
* | $ 193,061,000 | 1 | $ 43,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 83,000 |
| Complex Community Federal CU 2201 S GRANDVIEW ODESSA, TX 79766 |
* | $ 365,866,000 | 1 | $ 10,000 |
| First United Bank 5802 4TH STREET LUBBOCK, TX 79416 |
* | $ 1,158,513,000 | 1 | $ 1,646,000 |
| American National Bank & Trust 2732 MIDWESTERN PKWY WICHITA FALLS, TX 78130 |
* | $ 462,335,000 | 1 | $ 120,000 |
| Security State Bank 501 PHELPS AVE; PO BOX 470 LITTLEFIELD, TX 79339 |
* | $ 123,277,000 | 1 | $ 1,925,000 |
| Vintage Bank P O BOX 557 WAXAHACHIE, TX 75168 |
* | $ 154,953,000 | 1 | $ 72,000 |
| Firstbank Southwest 2401 S. GEORGIA AMARILLO, TX 79109 |
* | $ 874,568,000 | 1 | $ 180,000 |
| The First National Bank of Ballinger 911 HUTCHINGS AVE BALLINGER, TX 76821 |
* | $ 136,499,000 | 1 | $ 35,000 |
| First Financial Bank 400 PINE STREET ABILENE, TX 79601 |
* | $ 4,472,275,000 | 1 | $ 6,000 |
| Texas Heritage National Bank 107 WEBB STREET DAINGERFIELD, TX 75638 |
* | $ 105,286,000 | 1 | $ 95,000 |
| Abilene Teachers FCU P.O. BOX 5706 ABILENE, TX 79606 |
* | $ 348,649,000 | 1 | $ 74,000 |
| First National Bank of Stanton PO BOX 10 STANTON, TX 79782 |
* | $ 123,049,000 | 1 | $ 3,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 225,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 1 | $ 1,873,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 334,303,000 | 1 | $ 76,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 1 | $ 145,000 |
| United Texas Bank 13101 PRESTON ROAD, SUITE 100 DALLAS, TX 75240 |
* | $ 190,080,000 | 1 | $ 131,000 |
| Peoples Bank 5820 82ND STREET LUBBOCK, TX 79424 |
* | $ 311,258,000 | 1 | $ 111,000 |
| Southwest Securities, FSB 2323 VICTORY AVE, SUITE 1400 DALLAS, TX 75219 |
* | $ 1,284,848,000 | 1 | $ 1,600,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 350,904,000 | 1 | $ 153,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 64,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 147,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 260,000 |
| Legacytexas Bank 5000 LEGACY DRIVE PLANO, TX 75024 |
* | $ 1,704,740,000 | 1 | $ 102,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 64,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 88,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 42,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 126,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 164,000 |
| Gsb Mortgage, Inc. 201 N. MAIN STREET GRAPEVINE, TX 76051 |
* | $ 249,973,000 | 1 | $ 225,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 32,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 30,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 1 | $ 109,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 13,058,734,000 | 1 | $ 99,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 1 | $ 123,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 207,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 64,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 116,000 |
| Pioneer Mortgage Company 3000 N. MAIN ST./P. O. BOX 130 ROSWELL, NM 88201 |
* | $ 226,357,000 | 1 | $ 88,000 |
| The Lending Partners, LLC 5560 TENNYSON PARKWAY, STE. 201 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 196,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 128,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 143,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 309,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 171,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 63,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 121,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 1 | $ 210,000 |
The tables below break down 2013 mortgage applications in Howard 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 Howard County, TX in 2013
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 | 636 | $76,595,000 | $120,000 | $1,925,000 | $60,000 | $444,000 |
| Refinancing | 325 | $153,173,000 | $471,000 | $57,436,000 | $72,000 | $416,000 |
| Home Improvement | 123 | $3,678,000 | $29,000 | $535,000 | $79,000 | $360,000 |
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 | 660 | $73,288,000 | $111,000 | $535,000 | $79,000 | $426,000 |
| Hispanic | 186 | $13,722,000 | $73,000 | $260,000 | $64,000 | $444,000 |
| Not applicable | 156 | $138,023,000 | $884,000 | $57,436,000 | $9,000 | $426,000 |
| Not Provided | 54 | $5,777,000 | $106,000 | $310,000 | $72,000 | $187,000 |
| Black or African American | 16 | $1,589,000 | $99,000 | $265,000 | $60,000 | $108,000 |
| Asian | 6 | $362,000 | $60,000 | $121,000 | $41,000 | $55,000 |
| American Indian or Alaskan Native | 5 | $581,000 | $116,000 | $258,000 | $72,000 | $181,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $104,000 | $104,000 | $104,000 | $71,000 | $71,000 |
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) | 669 | $67,918,000 | $101,000 | $1,925,000 | $78,000 | $444,000 |
| FHA-insured (Federal Housing Administration) | 263 | $147,695,000 | $561,000 | $57,436,000 | $49,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $7,678,000 | $92,000 | $171,000 | $37,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 69 | $10,155,000 | $147,000 | $329,000 | $42,000 | $147,000 |
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 | 474 | $54,409,000 | $114,000 | $1,925,000 | $76,000 | $444,000 |
| Loan Purchased By The Institution | 275 | $146,620,000 | $533,000 | $57,436,000 | $39,000 | $426,000 |
| Application Denied By Financial Institution | 219 | $16,861,000 | $76,000 | $535,000 | $72,000 | $360,000 |
| Application Approved But Not Accepted | 53 | $6,773,000 | $127,000 | $1,600,000 | $75,000 | $224,000 |
| Application Withdrawn By Applicant | 43 | $6,142,000 | $142,000 | $1,873,000 | $72,000 | $240,000 |
| File Closed For Incompleteness | 20 | $2,641,000 | $132,000 | $417,000 | $79,000 | $280,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 83 | $3,357,000 | $40,000 | $225,000 | $65,000 | $360,000 |
| Debt-To-Income Ratio | 33 | $2,741,000 | $83,000 | $535,000 | $71,000 | $202,000 |
| Collateral | 20 | $2,287,000 | $114,000 | $350,000 | $98,000 | $279,000 |
| Credit Application Incomplete | 15 | $2,032,000 | $135,000 | $275,000 | $94,000 | $220,000 |
| Other | 14 | $1,187,000 | $84,000 | $225,000 | $74,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $445,000 | $111,000 | $171,000 | $119,000 | $200,000 |
| Unverifiable Information | 1 | $252,000 | $252,000 | $252,000 | $202,000 | $202,000 |
| Employment History | 1 | $150,000 | $150,000 | $150,000 | $36,000 | $36,000 |
| 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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