Howell County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,157 mortgage applications in Howell County, MO totaling $210.6 million, up 22% from 2024. The average application was for $182,000, and applicants reported an average income of $85,000. 50% of applications resulted in an originated loan and 13% were denied. The most active lender was PennyMac Loan Services LLC, with 71 applications, followed by Click N' Close, Inc. and Southern 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 | 1,157 |
| Total Mortgage Loan Application Amount | $210,595,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $1,475,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,716,000 |
* 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 |
|---|---|---|---|---|
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 71 | $ 14,235,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 70 | $ 16,080,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 68 | $ 12,860,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 57 | $ 9,575,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 46 | $ 4,400,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 37 | $ 7,985,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 33 | $ 6,935,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 30 | $ 4,190,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 30 | $ 7,590,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 27 | $ 4,155,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 27 | $ 4,065,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 26 | $ 3,060,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 21 | $ 3,335,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 20 | $ 4,440,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 20 | $ 2,130,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 20 | $ 2,300,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 19 | $ 4,165,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 18 | $ 1,880,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 18 | $ 2,860,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 18 | $ 4,740,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 16 | $ 2,790,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 15 | $ 4,315,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 15 | $ 2,165,000 |
| Fnbc Bank 636 ASH FLAT DR ASH FLAT, AR 72513 |
* | $ n/a | 15 | $ 3,545,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 15 | $ 2,995,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 14 | $ 2,260,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 14 | $ 3,080,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 12 | $ 1,810,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 12 | $ 1,080,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 2,845,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 10 | $ 1,470,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 10 | $ 1,790,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 10 | $ 2,000,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ n/a | 10 | $ 1,940,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 10 | $ 740,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 8 | $ 1,610,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 8 | $ 1,900,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 8 | $ 1,540,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 8 | $ 1,440,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 8 | $ 1,280,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 7 | $ 1,495,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 6 | $ 1,510,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 770,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 5 | $ 1,165,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 425,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 385,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ n/a | 5 | $ 825,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 5 | $ 905,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 4 | $ 240,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 4 | $ 590,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 4 | $ 930,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 290,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 4 | $ 710,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 720,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 4 | $ 160,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 1,045,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 3 | $ 375,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 3 | $ 775,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 3 | $ 405,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 3 | $ 545,000 |
| Stockmens Bank SPRINGFIELD, MO 65804 |
* | $ n/a | 3 | $ 285,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 595,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 985,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 465,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 2 | $ 550,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 350,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 340,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 350,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 2 | $ 650,000 |
| Legacy Bank & Trust 1500 N MAIN ST MOUNTAIN GROVE, MO 65711 |
* | $ n/a | 2 | $ 420,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 2 | $ 200,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 2 | $ 880,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 620,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 400,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 800,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ n/a | 2 | $ 130,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 300,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 540,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 290,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 2 | $ 660,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 2 | $ 150,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 2 | $ 660,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 2 | $ 310,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 1 | $ 505,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 1 | $ 315,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 155,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 315,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 155,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ n/a | 1 | $ 145,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ n/a | 1 | $ 225,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 225,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 1 | $ 75,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 155,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 145,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 275,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ n/a | 1 | $ 385,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 1 | $ 275,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ n/a | 1 | $ 755,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ n/a | 1 | $ 265,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 305,000 |
| Blucurrent Credit Union 1770 W SUNSET SPRINGFIELD, MO 65810 |
* | $ n/a | 1 | $ 85,000 |
| Family Finance Mortgage LLC 1787 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ n/a | 1 | $ 185,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ n/a | 1 | $ 275,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ n/a | 1 | $ 215,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 295,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 95,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ n/a | 1 | $ 115,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 345,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 145,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 515,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 165,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 185,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 15,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 1 | $ 255,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 225,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 135,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 355,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 265,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 1 | $ 5,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 145,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 515,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ n/a | 1 | $ 345,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 175,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ n/a | 1 | $ 35,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ n/a | 1 | $ 195,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 145,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 1 | $ 5,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 165,000 |
| Telcomm Credit Union 2155 E SUNSHINE SPRINGFIELD, MO 65804 |
* | $ n/a | 1 | $ 65,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 1 | $ 225,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 65,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ n/a | 1 | $ 215,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 185,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 335,000 |
The tables below break down 2025 mortgage applications in Howell County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Howell County, MO 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 | 606 | $119,010,000 | $196,000 | $1,475,000 | $85,000 | $643,000 |
| Cash-out Refinancing | 243 | $42,945,000 | $176,000 | $665,000 | $73,000 | $242,000 |
| Refinancing | 173 | $38,535,000 | $222,000 | $995,000 | $99,000 | $538,000 |
| Other Purpose | 77 | $5,355,000 | $69,000 | $285,000 | $99,000 | $1,716,000 |
| Home Improvement | 58 | $4,750,000 | $81,000 | $405,000 | $87,000 | $251,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 842 | $146,540,000 | $174,000 | $995,000 | $83,000 | $1,716,000 |
| Not applicable | 149 | $31,965,000 | $214,000 | $1,475,000 | $84,000 | $212,000 |
| Not Provided | 124 | $22,990,000 | $185,000 | $1,015,000 | $92,000 | $538,000 |
| Hispanic | 21 | $4,435,000 | $211,000 | $615,000 | $83,000 | $212,000 |
| American Indian or Alaskan Native | 9 | $2,085,000 | $231,000 | $295,000 | $53,000 | $74,000 |
| Black or African American | 6 | $940,000 | $156,000 | $255,000 | $61,000 | $76,000 |
| Asian | 5 | $1,385,000 | $277,000 | $485,000 | $254,000 | $500,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $255,000 | $255,000 | $255,000 | $75,000 | $75,000 |
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 | $108,975,000 | $162,000 | $1,475,000 | $94,000 | $1,716,000 |
| FHA-insured (Federal Housing Administration) | 245 | $44,305,000 | $180,000 | $485,000 | $64,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 180 | $47,180,000 | $262,000 | $575,000 | $81,000 | $492,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $10,135,000 | $160,000 | $335,000 | $60,000 | $104,000 |
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 | 577 | $111,315,000 | $192,000 | $1,475,000 | $88,000 | $643,000 |
| Application Withdrawn By Applicant | 170 | $32,560,000 | $191,000 | $1,015,000 | $82,000 | $431,000 |
| Application Denied By Financial Institution | 156 | $20,190,000 | $129,000 | $525,000 | $84,000 | $1,716,000 |
| Loan Purchased By The Institution | 145 | $27,655,000 | $190,000 | $615,000 | $69,000 | $212,000 |
| File Closed For Incompleteness | 72 | $11,750,000 | $163,000 | $485,000 | $84,000 | $394,000 |
| Application Approved But Not Accepted | 35 | $6,775,000 | $193,000 | $535,000 | $70,000 | $157,000 |
| Preapproval Approved but not Accepted | 2 | $350,000 | $175,000 | $205,000 | $51,000 | $62,000 |
| 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 | 967 | $183,055,000 | $189,000 | $1,475,000 | $85,000 | $643,000 |
| Debt-To-Income Ratio | 74 | $12,990,000 | $175,000 | $855,000 | $73,000 | $368,000 |
| Credit History | 55 | $5,995,000 | $109,000 | $395,000 | $80,000 | $251,000 |
| Collateral | 28 | $3,310,000 | $118,000 | $345,000 | $145,000 | $1,716,000 |
| Credit Application Incomplete | 18 | $3,080,000 | $171,000 | $525,000 | $72,000 | $385,000 |
| Other | 6 | $970,000 | $161,000 | $435,000 | $34,000 | $64,000 |
| Unverifiable Information | 6 | $810,000 | $135,000 | $265,000 | $88,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $175,000 | $42,000 | $54,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $9,000 | $9,000 |
| 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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