Jackson County, AL Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,804 mortgage applications in Jackson County, AL totaling $200.0 million, down 12% from 2010. The average application was for $110,000, and applicants reported an average income of $57,000. 43% of applications resulted in an originated loan and 21% were denied. The most active lender was First Jackson Bank, Inc, with 154 applications, followed by Wells Fargo Bank NA and American Bank of Huntsville.
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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 | 1,804 |
| Total Mortgage Loan Application Amount | $199,980,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $4,573,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $1,200,000 |
* 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 |
|---|---|---|---|---|
| First Jackson Bank, Inc 43243 U S HIGHWAY 72 STEVENSON, AL 35772 |
* | $ 206,675,000 | 154 | $ 5,967,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 128 | $ 22,461,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 172,971,000 | 105 | $ 13,712,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 91 | $ 9,316,000 |
| Citizens Bank & Trust, Inc. P O BOX 249 TRENTON, GA 30752 |
* | $ 87,745,000 | 88 | $ 4,089,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 83 | $ 9,917,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 69 | $ 6,393,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 60 | $ 8,367,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 1,195,416,000 | 59 | $ 7,419,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 54 | $ 3,458,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,291,724,000 | 49 | $ 7,031,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 47 | $ 4,127,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 47 | $ 5,572,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 62,638,180,000 | 46 | $ 6,728,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 42 | $ 3,093,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 27 | $ 1,012,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 26 | $ 1,432,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 26 | $ 3,197,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 22 | $ 3,051,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 22 | $ 2,902,000 |
| Citifinancial Corporation,Llc 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 20 | $ 979,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 20 | $ 2,949,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 19 | $ 3,454,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 19 | $ 2,570,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 376,850,000 | 18 | $ 791,000 |
| Peoples Independent Bank 121 BILLY DYAR BLVD PO BOX 669 BOAZ, AL 35957 |
* | $ 168,769,000 | 17 | $ 1,597,000 |
| Bank of Dade P.O. DRAWER 9 TRENTON, GA 30752 |
* | $ 92,712,000 | 16 | $ 1,265,000 |
| Family Savings Credit Union 711 EAST MEIGHAN BLVD GADSDEN, AL 35903 |
* | $ 263,661,000 | 15 | $ 1,574,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 15 | $ 2,584,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 15 | $ 1,775,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 1,883,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 14 | $ 2,372,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 12 | $ 1,945,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 11 | $ 1,897,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 11 | $ 517,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 10 | $ 1,593,000 |
| Peoples State Bank of Commerce 7122 NOLENSVILLE RD NOLENSVILLE, TN 37135 |
* | $ 255,959,000 | 10 | $ 312,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 9 | $ 1,187,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 9 | $ 1,285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 1,215,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 8 | $ 690,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,362,287,000 | 8 | $ 2,380,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 8 | $ 1,176,000 |
| First Federal of Charleston 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,249,548,000 | 8 | $ 395,000 |
| Comtrust Federal Credit Union 1020 RIVERFRONT PARKWAY CHATTANOOGA, TN 37402 |
* | $ 334,706,000 | 7 | $ 550,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 7 | $ 571,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 6 | $ 706,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 6 | $ 687,000 |
| Tennessee Valley Federal C U 535 CHESTNUT STREET CHATTANOOGA, TN 37402 |
* | $ 742,289,000 | 6 | $ 678,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 6 | $ 866,000 |
| Tower Community Bank 4564 MAIN ST JASPER, TN 37347 |
* | $ 64,871,000 | 6 | $ 380,000 |
| Citizens Tri County Bank P.O. BOX, 15699 DUNLAP, TN 37327 |
* | $ 507,693,000 | 5 | $ 305,000 |
| Banktennessee 1125 WEST POPLAR AVENUE COLLIERVILLE, TN 38017 |
* | $ 252,955,000 | 5 | $ 475,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 5 | $ 647,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MT., NC 27804 |
* | $ 27,285,986,000 | 5 | $ 870,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 5 | $ 966,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 4 | $ 607,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 581,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 412,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 4 | $ 532,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 4 | $ 679,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 4 | $ 479,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 4 | $ 196,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 3 | $ 364,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 1,935,266,000 | 3 | $ 841,000 |
| Progress Bank and Trust 201 WILLIAMS AVENUE HUNTSVILLE, AL 35801 |
* | $ 320,631,000 | 3 | $ 322,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 667,546,000 | 3 | $ 310,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 3 | $ 315,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 418,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 3 | $ 379,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 270,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 245,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 3 | $ 332,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 79,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 9,425,755,000 | 2 | $ 252,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 284,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 325,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 27,908,468,000 | 2 | $ 895,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 321,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 117,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 250,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 2 | $ 322,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 667,000 |
| Capitalmark Bank & Trust 801 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 464,038,000 | 2 | $ 318,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 988,910,000 | 2 | $ 166,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 2 | $ 106,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 175,796,000 | 2 | $ 329,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 2 | $ 24,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 162,000 |
| Guardian Credit Union 616 MADISON AVENUE MONTGOMERY, AL 36104 |
* | $ 204,519,000 | 1 | $ 11,000 |
| Avadian Credit Union 1 RIVERCHASE PKWY S HOOVER, AL 35244 |
* | $ 522,275,000 | 1 | $ 80,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 173,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 236,000 |
| Acceptance Loan Company 121 WEST CHURCH STREET JACKSON, AL 36545 |
* | $ 70,000,000 | 1 | $ 50,000 |
| Redstone Federal Credit Union 220 WYNN DRIVE HUNTSVILLE, AL 35893 |
* | $ 2,897,123,000 | 1 | $ 40,000 |
| Chattanooga Area Schools Federal Credit Union 1201 BAILEY AVENUE CHATTANOOGA, TN 37404 |
* | $ 139,691,000 | 1 | $ 45,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 96,000 |
| Bankatlantic 2100 WEST CYPRESS CREEK ROAD FORT LAUDERDALE, FL 33309 |
* | $ 4,469,172,000 | 1 | $ 585,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 227,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 132,000 |
| Southeast First National Bank P.O. BOX 530, 10144 COMMERCE STREET SUMMERVILLE, GA 30747 |
* | $ 67,055,000 | 1 | $ 125,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 427,083,000 | 1 | $ 271,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 1 | $ 155,000 |
| National Bank of Commerce 813 SHADES CREEK PARKWAY SUITE 100 BIRMINGHAM, AL 35209 |
* | $ 375,336,000 | 1 | $ 335,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 1 | $ 85,000 |
| The Exchange Bank of Alabama PO BOX 1100 GADSDEN, AL 35902 |
* | $ 243,853,000 | 1 | $ 188,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,068,872,000 | 1 | $ 220,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 223,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,230,855,000 | 1 | $ 26,000 |
| Liberty Bank 40956 AL HWY 75, PO BOX 187 GERALDINE, AL 35974 |
* | $ 102,237,000 | 1 | $ 357,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 495,223,000 | 1 | $ 114,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 502,376,000 | 1 | $ 223,000 |
| Citizens Bank & Trust 711 GUNTER AVENUE GUNTERSVILLE, AL 35976 |
* | $ 288,641,000 | 1 | $ 32,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 38,055,567,000 | 1 | $ 102,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 227,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 150,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 24,832,312,000 | 1 | $ 76,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 97,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 90,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 133,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 213,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 276,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 143,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 58,000 |
| Blufi Lending Corp. 1808 ASTON AVE., STE. 190 CARLSBAD, CA 92008 |
* | $ 4,703,000 | 1 | $ 240,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 245,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 259,000 |
The tables below break down 2011 mortgage applications in Jackson County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Jackson County, AL in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,143 | $141,276,000 | $123,000 | $4,573,000 | $57,000 | $1,200,000 |
| Home Purchase | 552 | $53,477,000 | $96,000 | $585,000 | $56,000 | $851,000 |
| Home Improvement | 109 | $5,227,000 | $47,000 | $276,000 | $52,000 | $246,000 |
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 | 1,515 | $161,354,000 | $106,000 | $1,280,000 | $60,000 | $1,200,000 |
| Not applicable | 124 | $20,930,000 | $168,000 | $4,573,000 | $23,000 | $195,000 |
| Not Provided | 94 | $11,868,000 | $126,000 | $417,000 | $50,000 | $257,000 |
| Black or African American | 27 | $1,865,000 | $69,000 | $193,000 | $34,000 | $72,000 |
| Hispanic | 20 | $1,720,000 | $86,000 | $200,000 | $86,000 | $851,000 |
| American Indian or Alaskan Native | 14 | $1,172,000 | $83,000 | $149,000 | $63,000 | $127,000 |
| Asian | 8 | $885,000 | $110,000 | $228,000 | $38,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $186,000 | $93,000 | $93,000 | $31,000 | $31,000 |
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) | 1,287 | $133,352,000 | $103,000 | $1,280,000 | $63,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 368 | $47,427,000 | $128,000 | $4,573,000 | $41,000 | $234,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 96 | $10,362,000 | $107,000 | $282,000 | $39,000 | $290,000 |
| VA-guaranteed (Veterans Administration) | 53 | $8,839,000 | $166,000 | $614,000 | $51,000 | $205,000 |
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 | 770 | $76,230,000 | $99,000 | $1,280,000 | $64,000 | $851,000 |
| Application Denied By Financial Institution | 373 | $34,892,000 | $93,000 | $1,225,000 | $48,000 | $1,200,000 |
| Loan Purchased By The Institution | 340 | $45,911,000 | $135,000 | $613,000 | $47,000 | $300,000 |
| Application Withdrawn By Applicant | 162 | $26,091,000 | $161,000 | $4,573,000 | $64,000 | $600,000 |
| Application Approved But Not Accepted | 98 | $10,227,000 | $104,000 | $417,000 | $51,000 | $190,000 |
| File Closed For Incompleteness | 61 | $6,629,000 | $108,000 | $417,000 | $60,000 | $288,000 |
| 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 | $6,935,000 | $83,000 | $350,000 | $41,000 | $150,000 |
| Collateral | 37 | $4,719,000 | $127,000 | $248,000 | $65,000 | $216,000 |
| Debt-To-Income Ratio | 31 | $3,561,000 | $114,000 | $367,000 | $34,000 | $96,000 |
| Credit Application Incomplete | 25 | $3,310,000 | $132,000 | $401,000 | $71,000 | $130,000 |
| Other | 8 | $575,000 | $71,000 | $143,000 | $34,000 | $69,000 |
| Unverifiable Information | 4 | $472,000 | $118,000 | $228,000 | $68,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $346,000 | $115,000 | $200,000 | $42,000 | $56,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $21,000 | $21,000 |
| 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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