Jackson County, OK Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,175 mortgage applications in Jackson County, OK totaling $193.7 million, up 18% from 2020. The average application was for $164,000, and applicants reported an average income of $81,000. 53% of applications resulted in an originated loan and 11% were denied. The most active lender was Mortgage Research Center, with 84 applications, followed by Interlinc Mortgage Services, LLC and PennyMac Loan Services LLC.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Oklahoma.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,175
Total Mortgage Loan Application Amount $193,685,000
Average Mortgage Loan Application Amount $164,000
Highest Mortgage Loan Application Amount $805,000
Average Applicant Income $81,000
Highest Applicant Income $713,000

Mortgage Company List for Lending in Jackson County, OK 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
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 84 $ 15,890,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 70 $ 10,240,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 65 $ 12,085,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 62 $ 11,610,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 198,963,000 54 $ 12,670,000
Red River Federal Credit Union
2721 N MAIN STREET
ALTUS, OK 73521
* $ 88,573,000 50 $ 5,920,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 48 $ 6,160,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 44 $ 5,750,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 39 $ 7,815,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 32 $ 1,520,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 28 $ 5,220,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 24 $ 3,800,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 22 $ 3,350,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 21 $ 3,935,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 19 $ 3,315,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 2,585,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 16 $ 3,420,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 2,170,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 14 $ 1,680,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 13 $ 2,445,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 2,600,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 7,724,832,000 11 $ 1,645,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 11 $ 1,255,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 480,916,000 11 $ 1,995,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 10 $ 720,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,545,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 9 $ 1,225,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 8 $ 970,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 1,665,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 1,255,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 875,000
Herring Bank
2201 CIVIC CIRCLE
AMARILLO, TX 79109
* $ 445,390,000 6 $ 710,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 6 $ 1,540,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 6 $ 1,190,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 6 $ 670,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 6 $ 1,000,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 970,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,280,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,074,320,000 6 $ 1,650,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 6 $ 1,640,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 605,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 5 $ 1,035,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 814,382,000 5 $ 665,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 5 $ 1,215,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 5 $ 765,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 5 $ 785,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 5 $ 1,125,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 4 $ 940,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 590,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 830,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 4 $ 760,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 900,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 4,228,679,000 4 $ 360,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 4 $ 590,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 555,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 3 $ 555,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 3 $ 375,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 535,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 3 $ 735,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 335,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 3 $ 385,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 8,090,901,000 3 $ 685,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 3 $ 435,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 325,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 3 $ 715,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 540,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 90,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 370,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 520,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ -1,000 2 $ 400,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 610,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 2 $ 540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 280,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 570,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 2 $ 330,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 3,176,415,000 2 $ 210,000
Valor Bank
1501 RENAISSANCE BLVD
EDMOND, OK 73013
* $ 100,086,000 2 $ 80,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 872,778,000 2 $ 170,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 310,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 2 $ 540,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 2 $ 330,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 340,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 2 $ 210,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 230,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 420,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 190,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 170,000
Liberty National Bank
629 SW C AVE
LAWTON, OK 73501
* $ 596,367,000 1 $ 165,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 1 $ 55,000
Legacy Bank
101 W MAIN
HINTON, OK 73047
* $ 463,748,000 1 $ 145,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 205,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 285,000
Citizens Bank of Kansas
300 N MAIN ST
KINGMAN, KS 67068
* $ 380,175,000 1 $ 25,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 105,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 175,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 105,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,411,656,000 1 $ 275,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 325,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 115,000
All America Bank
444 WEST STATE HIGHWAY 152
MUSTANG, OK 73064
* $ 467,458,000 1 $ 55,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 55,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 109,679,000 1 $ 265,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 95,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 85,000
True Sky Federal Credit Union
P.O. BOX 26406
OKLAHOMA CITY, OK 73126
* $ 645,797,000 1 $ 115,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 5,091,929,000 1 $ 155,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 853,065,000 1 $ 45,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,529,015,000 1 $ 75,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 125,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 105,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 205,000
First Liberty Bank
9601 N MAY AVE
OKLAHOMA CITY, OK 73120
* $ 435,574,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 365,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 325,706,000 1 $ 85,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 85,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 1 $ 85,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 1 $ 265,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 699,498,000 1 $ 205,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ 2,095,381,000 1 $ 95,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 25,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 275,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 184,955,000 1 $ 145,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 155,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 135,000
Origin Bank

HOUSTON, TX 77024
* $ 5,294,103,000 1 $ 95,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 145,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 1 $ 145,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ 6,743,520,000 1 $ 805,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 275,000
First State Bank
801 E CALIFORNIA STREET
GAINESVILLE, TX 76240
* $ 1,147,965,000 1 $ 155,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,996,752,000 1 $ 255,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 7,658,628,000 1 $ 115,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 292,682,000 1 $ 185,000
Fort Sill Federal Credit Union
PO BOX 1527
LAWTON, OK 73502
* $ 290,735,000 1 $ 205,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 125,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 155,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ -1,000 1 $ 125,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 2,179,218,000 1 $ 175,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ -1,000 1 $ 205,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 115,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 255,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 1 $ 185,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 85,000

The tables below break down 2021 mortgage applications in Jackson County, OK 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, OK 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 622 $109,600,000 $176,000 $805,000 $78,000 $247,000
Refinancing 367 $60,935,000 $166,000 $405,000 $84,000 $615,000
Cash-out Refinancing 130 $19,250,000 $148,000 $465,000 $92,000 $713,000
Home Improvement 23 $1,015,000 $44,000 $105,000 $78,000 $218,000
Other Purpose 21 $1,595,000 $75,000 $205,000 $73,000 $125,000
Not Applicable 12 $1,290,000 $107,000 $215,000 $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 671 $110,445,000 $164,000 $505,000 $85,000 $713,000
Not applicable 170 $31,170,000 $183,000 $805,000 $90,000 $145,000
Not Provided 158 $25,850,000 $163,000 $395,000 $74,000 $286,000
Hispanic 80 $9,090,000 $113,000 $445,000 $68,000 $264,000
Black or African American 40 $6,790,000 $169,000 $375,000 $80,000 $295,000
Asian 28 $5,100,000 $182,000 $295,000 $73,000 $159,000
American Indian or Alaskan Native 23 $4,455,000 $193,000 $385,000 $76,000 $149,000
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $123,000 $123,000

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
VA-guaranteed (Veterans Administration) 493 $99,045,000 $200,000 $505,000 $84,000 $247,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 468 $66,240,000 $141,000 $805,000 $88,000 $713,000
FHA-insured (Federal Housing Administration) 155 $21,415,000 $138,000 $325,000 $63,000 $246,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 59 $6,985,000 $118,000 $285,000 $51,000 $102,000

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 623 $109,005,000 $174,000 $805,000 $83,000 $615,000
Loan Purchased By The Institution 168 $30,290,000 $180,000 $445,000 $78,000 $230,000
Application Withdrawn By Applicant 166 $26,540,000 $159,000 $325,000 $87,000 $713,000
Application Denied By Financial Institution 133 $15,215,000 $114,000 $355,000 $73,000 $420,000
File Closed For Incompleteness 63 $9,745,000 $154,000 $315,000 $80,000 $196,000
Application Approved But Not Accepted 19 $2,545,000 $133,000 $375,000 $60,000 $124,000
Preapproval Approved but not Accepted 3 $345,000 $115,000 $145,000 $55,000 $79,000
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 1,029 $177,335,000 $172,000 $805,000 $83,000 $713,000
Debt-To-Income Ratio 38 $3,930,000 $103,000 $375,000 $67,000 $295,000
Credit History 34 $3,740,000 $110,000 $355,000 $61,000 $133,000
Credit Application Incomplete 26 $3,740,000 $143,000 $355,000 $102,000 $420,000
Collateral 20 $1,990,000 $99,000 $285,000 $94,000 $218,000
Other 16 $1,510,000 $94,000 $265,000 $54,000 $90,000
Unverifiable Information 7 $995,000 $142,000 $235,000 $55,000 $126,000
Employment History 3 $245,000 $81,000 $95,000 $76,000 $87,000
Insufficient Cash (Downpayment, Closing Cost) 2 $200,000 $100,000 $145,000 $72,000 $75,000
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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