Howard County, TX Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,427 mortgage applications in Howard County, TX totaling $242.0 million, up 3% from 2020. The average application was for $169,000, and applicants reported an average income of $100,000. 42% of applications resulted in an originated loan and 17% were denied. The most active lender was Lakeview Loan Servicing, LLC, with 89 applications, followed by Primary Residential Mortgage, Inc. and Lrs Financial Network dba Hnb 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 1,427
Total Mortgage Loan Application Amount $242,005,000
Average Mortgage Loan Application Amount $169,000
Highest Mortgage Loan Application Amount $1,505,000
Average Applicant Income $100,000
Highest Applicant Income $7,560,000

Mortgage Company List for Lending in Howard County, TX for 2021

* 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
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 89 $ 11,185,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 83 $ 11,915,000
Lrs Financial Network dba Hnb Mortgage
2101 W. WADLEY STE. 36
MIDLAND, TX 79705
* $ -1,000 66 $ 14,230,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 65 $ 7,395,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 52 $ 8,910,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 50 $ 7,790,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 49 $ 9,915,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 49 $ 9,475,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 32,184,416,000 48 $ 8,000,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 41 $ 7,225,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 39 $ 8,295,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 31 $ 5,795,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 26 $ 4,610,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 3,795,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 20 $ 3,110,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 20 $ 2,700,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 20 $ 3,970,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 20 $ 2,310,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 19 $ 3,715,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 19 $ 1,655,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 3,275,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 17 $ 3,235,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 16 $ 2,680,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 16 $ 2,880,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 15 $ 1,715,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 3,315,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 15 $ 1,785,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 12 $ 1,860,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 11 $ 1,815,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 11 $ 2,325,000
Complex Community Federal CU
2201 S GRANDVIEW
ODESSA, TX 79766
* $ 549,498,000 10 $ 920,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 10 $ 980,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 2,015,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 9 $ 1,715,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 9 $ 1,285,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 92,657,948,000 9 $ 875,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 9 $ 2,275,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 9 $ 1,795,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 790,000
Western Bank
5701 82ND ST
LUBBOCK, TX 79401
* $ 341,499,000 8 $ 890,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,460,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 7 $ 895,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 7 $ 1,295,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 675,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 8,228,226,000 6 $ 610,000
First Bank & Trust
9816 SLIDE RD.
LUBBOCK, TX 79424
* $ 1,137,714,000 6 $ 1,750,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 6 $ 1,270,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 6 $ 1,020,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 6 $ 420,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 1,635,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 645,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ 885,101,000 5 $ 1,655,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 785,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 675,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 480,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 900,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 4 $ 940,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 4 $ 670,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 3,235,138,000 4 $ 640,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 430,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 880,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ 220,695,000 4 $ 370,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 1,010,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 120,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 610,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 3 $ 615,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 395,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 675,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 555,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 3 $ 555,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 3 $ 535,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 835,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 685,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 3 $ 285,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ 1,388,263,000 3 $ 215,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 260,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 350,000
Happy State Bank
701 S TAYLOR, LB 120
AMARILLO, TX 79101
* $ 3,824,411,000 2 $ 610,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 2 $ 930,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 9,823,931,000 2 $ 300,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 2 $ 110,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 400,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,712,795,000 2 $ 330,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 2 $ 350,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 270,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 2 $ 190,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 400,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 560,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 2 $ 490,000
Infinity Mortgage Holdings, LLC
3420 EXECUTIVE CENTER DRIVE, SUITE G100
AUSTIN, TX 78731
* $ -1,000 2 $ 250,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 400,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 34,105,305,000 2 $ 120,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 2 $ 530,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 2 $ 430,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 350,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 2,179,218,000 1 $ 25,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 535,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 139,109,000 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 315,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ 5,700,689,000 1 $ 55,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 1,710,266,000 1 $ 55,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 175,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 265,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 2,680,066,000 1 $ 35,000
First United Bank
5802 4TH STREET
LUBBOCK, TX 79416
* $ 1,370,041,000 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 155,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 737,952,000 1 $ 165,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 1 $ 135,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 23,559,400,000 1 $ 245,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 105,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 125,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 85,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 235,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 105,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 235,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 195,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 195,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 255,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 65,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 85,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ 980,218,000 1 $ 85,000
Southwest Bank
4800 E. 42ND STREET
ODESSA, TX 79762
* $ 456,302,000 1 $ 125,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 145,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 195,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 385,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 155,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ -1,000 1 $ 205,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 145,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 285,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 155,000
Directions Equity, LLC
2915 W BITTERS RD #102
SAN ANTONIO, TX 78248
* $ -1,000 1 $ 105,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 11,511,729,000 1 $ 275,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 295,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 1 $ 335,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 205,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,529,015,000 1 $ 145,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 285,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 195,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 155,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 9,675,518,000 1 $ 335,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 95,000
Citizens Bank and Trust Co
PO BOX 992
VIVIAN, LA 71082
* $ 138,624,000 1 $ 225,000
H-E-B Federal Credit Union
4630 N LOOP 1604 W, SUITE 101
SAN ANTONIO, TX 78278
* $ 182,271,000 1 $ 65,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 65,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 295,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 1 $ 315,000
Hughes Federal Credit Union
971 W WETMORE RD
TUCSON, AZ 85705
* $ -1,000 1 $ 25,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,630,739,000 1 $ 185,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 235,000
Floridacentral Credit Union
3333 HENDERSON BLVD
TAMPA, FL 33609
* $ 495,126,000 1 $ 185,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 1 $ 145,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,298,764,000 1 $ 1,505,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 1,435,230,000 1 $ 345,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 75,000

The tables below break down 2021 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 2021

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 794 $137,060,000 $172,000 $545,000 $89,000 $489,000
Refinancing 399 $72,775,000 $182,000 $1,505,000 $99,000 $1,140,000
Cash-out Refinancing 153 $25,165,000 $164,000 $405,000 $105,000 $1,668,000
Home Improvement 42 $3,110,000 $74,000 $295,000 $278,000 $7,560,000
Not Applicable 24 $2,080,000 $86,000 $215,000 $0 $0
Other Purpose 15 $1,815,000 $121,000 $355,000 $108,000 $315,000

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 659 $115,315,000 $174,000 $545,000 $108,000 $7,560,000
Hispanic 308 $45,280,000 $147,000 $405,000 $83,000 $1,140,000
Not applicable 230 $39,910,000 $173,000 $1,505,000 $118,000 $163,000
Not Provided 176 $33,110,000 $188,000 $505,000 $107,000 $453,000
Black or African American 36 $5,080,000 $141,000 $325,000 $87,000 $489,000
American Indian or Alaskan Native 8 $1,210,000 $151,000 $285,000 $82,000 $156,000
Asian 7 $1,485,000 $212,000 $335,000 $127,000 $245,000
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) 826 $134,980,000 $163,000 $1,505,000 $112,000 $7,560,000
FHA-insured (Federal Housing Administration) 455 $73,795,000 $162,000 $365,000 $68,000 $1,140,000
VA-guaranteed (Veterans Administration) 137 $31,605,000 $230,000 $465,000 $99,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,625,000 $180,000 $295,000 $71,000 $91,000

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 602 $110,200,000 $183,000 $1,505,000 $97,000 $548,000
Loan Purchased By The Institution 281 $48,585,000 $172,000 $545,000 $83,000 $285,000
Application Denied By Financial Institution 238 $32,540,000 $136,000 $545,000 $109,000 $7,560,000
Application Withdrawn By Applicant 166 $28,770,000 $173,000 $465,000 $106,000 $1,140,000
File Closed For Incompleteness 94 $14,420,000 $153,000 $445,000 $113,000 $1,668,000
Application Approved But Not Accepted 44 $7,040,000 $160,000 $495,000 $85,000 $227,000
Preapproval Approved but not Accepted 2 $450,000 $225,000 $235,000 $124,000 $134,000
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 1,184 $208,940,000 $176,000 $1,505,000 $98,000 $1,668,000
Credit History 98 $10,450,000 $106,000 $365,000 $145,000 $7,560,000
Debt-To-Income Ratio 48 $8,100,000 $168,000 $405,000 $80,000 $489,000
Credit Application Incomplete 31 $4,745,000 $153,000 $315,000 $96,000 $518,000
Collateral 22 $3,680,000 $167,000 $495,000 $107,000 $308,000
Other 22 $3,100,000 $140,000 $545,000 $73,000 $226,000
Unverifiable Information 11 $1,315,000 $119,000 $265,000 $83,000 $194,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,455,000 $161,000 $285,000 $71,000 $159,000
Employment History 2 $220,000 $110,000 $135,000 $32,000 $35,000
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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