Jefferson County, AR Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,961 mortgage applications in Jefferson County, AR totaling $218.5 million, up 4% from 2018. The average application was for $111,000, and applicants reported an average income of $72,000. 42% of applications resulted in an originated loan and 24% were denied. The most active lender was Simmons Bank, with 165 applications, followed by Mortgage Financial Services and 21st 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 1,961
Total Mortgage Loan Application Amount $218,525,000
Average Mortgage Loan Application Amount $111,000
Highest Mortgage Loan Application Amount $5,475,000
Average Applicant Income $72,000
Highest Applicant Income $1,440,000

Mortgage Company List for Lending in Jefferson County, AR for 2019

* 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
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 16,518,217,000 165 $ 19,215,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ -1,000 109 $ 12,635,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 89 $ 5,155,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 86 $ 7,470,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 83 $ 5,545,000
Relyance Bank, National Association
912 SOUTH POPLAR STREET
PINE BLUFF, AR 71601
* $ 825,622,000 67 $ 10,195,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 59 $ 7,455,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 58 $ 7,630,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 49 $ 2,595,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 44 $ 3,790,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 43 $ 7,055,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 43 $ 5,525,000
Cotton Belt Federal Credit Union
1703 RIVER PINES BLVD
PINE BLUFF, AR 71601
* $ 62,330,000 42 $ 3,310,000
Fbt Bank & Mortgage
200 WEST FOURTH ST
FORDYCE, AR 71742
* $ 161,857,000 41 $ 2,645,000
Connect Bank
PO BOX 69
STAR CITY, AR 71667
* $ 92,923,000 37 $ 2,025,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 31 $ 4,035,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 31 $ 4,005,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 30 $ 5,490,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 28 $ 1,570,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 25 $ 3,515,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 23 $ 2,775,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 21 $ 825,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 20 $ 1,490,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 19 $ 2,505,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 19 $ 1,915,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 19 $ 2,095,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 19 $ 2,165,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 19 $ 2,485,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 18 $ 1,570,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 17 $ 1,505,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 17 $ 1,425,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 17 $ 2,425,000
Stone Bank
PO BOX 2750
MOUNTAIN VIEW, AR 72560
* $ 371,634,000 16 $ 2,690,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 1,935,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 2,285,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 14 $ 1,750,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 14 $ 1,290,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 1,240,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 15,291,497,000 13 $ 2,105,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 13 $ 1,535,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 12 $ 1,740,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 11 $ 1,675,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 18,008,424,000 10 $ 880,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 10 $ 1,270,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,722,351,000 9 $ 1,245,000
Pilgrim Mortgage LLC
1270 N LOOP 1604 E STE 1101
SAN ANTONIO, TX 78232
* $ -1,000 9 $ 1,055,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 9 $ 485,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 8 $ 880,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 404,037,000 8 $ 1,130,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 30,737,643,000 8 $ 560,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 8 $ 1,260,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 7 $ 1,205,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,295,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 6 $ 930,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ 1,182,879,000 6 $ 730,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 6 $ 680,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 6 $ 160,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 5 $ 715,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 875,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 5 $ 625,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 745,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 5 $ 205,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 785,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 5 $ 85,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 5 $ 415,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 310,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 4 $ 250,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 4 $ 610,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 610,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 410,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 400,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 380,000
First Security Bank
PO BOX 938
CONWAY, AR 72033
* $ 5,261,829,000 4 $ 670,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 3 $ 565,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 3 $ 485,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 625,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 395,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 3 $ 265,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 165,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 3 $ 355,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 3 $ 355,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 175,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 3 $ 355,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 495,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 615,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 165,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 2 $ 160,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 2 $ 90,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 230,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 2 $ 360,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 892,403,000 2 $ 130,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 190,000
The Farmers & Merchants Bank
708 S MAIN ST
STUTTGART, AR 72160
* $ 1,063,088,000 2 $ 270,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 2 $ 140,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 5,324,440,000 2 $ 70,000
Peoples Bank
1120 SOUTH ROCK
SHERIDAN, AR 72150
* $ 155,146,000 2 $ 150,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 2 $ 130,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 2 $ 280,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 2 $ 130,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 390,000
Agheritage Farm Credit Services, Flca
119 E 3RD ST
LITTLE ROCK, AR 72201
* $ -1,000 2 $ 230,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 2 $ 140,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 2 $ 5,390,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 430,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 150,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 150,000
Canvas Credit Union
PO BOX 5238
ENGLEWOOD, CO 80155
* $ 2,432,585,000 1 $ 5,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 738,388,000 1 $ 115,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 22,388,030,000 1 $ 55,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 125,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 155,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 65,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 4,729,390,000 1 $ 145,000
Ten Credit Union
1400 8TH AVE SOUTH
NASHVILLE, TN 37203
* $ 314,997,000 1 $ 105,000
Vantage Credit Union
19 RESEARCH PARK CT
ST CHARLES, MO 63304
* $ 849,119,000 1 $ 135,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 1 $ 245,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 95,000
Telcoe Federal Credit Union
PO BOX 34200
LITTLE ROCK, AR 72201
* $ 361,030,000 1 $ 85,000
The Malvern National Bank
425 S. MAIN STREET
MALVERN, AR 72104
* $ 530,615,000 1 $ 185,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 115,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 75,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 473,202,000 1 $ 485,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 45,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 95,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 105,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 1 $ 55,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 365,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 364,059,000 1 $ 95,000
Southwest Airlines FCU
2340 SHORECREST
DALLAS, TX 75235
* $ 551,376,000 1 $ 75,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 305,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 55,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 355,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 165,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 155,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 25,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 1 $ 115,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 25,000
Gateway Bank
112 MAIN STREET
RISON, AR 71665
* $ 73,256,000 1 $ 95,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 195,000
First Arkansas Bank and Trust
600 WEST MAIN STREET
JACKSONVILLE, AR 72076
* $ 761,065,000 1 $ 125,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 7,347,510,000 1 $ 115,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 85,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 55,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 45,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ -1,000 1 $ 55,000
United Bank
2600 SOUTH THOMPSON
SPRINGDALE, AR 72764
* $ 194,650,000 1 $ 135,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 155,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 85,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 165,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 1 $ 85,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 205,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ 1,387,751,000 1 $ 25,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 125,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 45,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 35,000

The tables below break down 2019 mortgage applications in Jefferson County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Jefferson County, AR in 2019

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 1,048 $120,840,000 $115,000 $2,805,000 $73,000 $1,440,000
Refinancing 314 $46,300,000 $147,000 $5,475,000 $72,000 $586,000
Cash-out Refinancing 288 $34,230,000 $118,000 $325,000 $71,000 $321,000
Home Improvement 136 $5,080,000 $37,000 $405,000 $68,000 $781,000
Other Purpose 88 $5,740,000 $65,000 $385,000 $68,000 $321,000
Not Applicable 87 $6,335,000 $72,000 $415,000 $70,000 $100,000

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 702 $77,180,000 $109,000 $485,000 $76,000 $781,000
Black or African American 671 $62,505,000 $93,000 $455,000 $62,000 $507,000
Not applicable 363 $54,035,000 $148,000 $5,475,000 $81,000 $321,000
Not Provided 162 $17,630,000 $108,000 $485,000 $83,000 $518,000
Hispanic 35 $3,895,000 $111,000 $285,000 $92,000 $1,440,000
American Indian or Alaskan Native 11 $995,000 $90,000 $215,000 $45,000 $123,000
Asian 9 $1,195,000 $132,000 $235,000 $63,000 $200,000
Native Hawaiian or Other Pacific Islander 3 $355,000 $118,000 $245,000 $60,000 $111,000

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) 1,072 $109,590,000 $102,000 $5,475,000 $79,000 $1,440,000
FHA-insured (Federal Housing Administration) 538 $56,850,000 $105,000 $315,000 $56,000 $549,000
VA-guaranteed (Veterans Administration) 257 $40,755,000 $158,000 $485,000 $67,000 $197,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 94 $11,330,000 $120,000 $285,000 $48,000 $81,000

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 824 $107,450,000 $130,000 $5,475,000 $79,000 $781,000
Application Denied By Financial Institution 461 $36,325,000 $78,000 $485,000 $59,000 $1,440,000
Loan Purchased By The Institution 359 $40,185,000 $111,000 $415,000 $81,000 $321,000
Application Withdrawn By Applicant 198 $21,770,000 $109,000 $455,000 $70,000 $372,000
File Closed For Incompleteness 82 $8,890,000 $108,000 $315,000 $74,000 $600,000
Application Approved But Not Accepted 35 $3,765,000 $107,000 $295,000 $58,000 $150,000
Preapproval Denied by Financial Institution 2 $140,000 $70,000 $95,000 $28,000 $31,000
Preapproval Approved but not Accepted 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 1,367 $169,255,000 $123,000 $5,475,000 $73,000 $600,000
Debt-To-Income Ratio 237 $21,465,000 $90,000 $1,455,000 $76,000 $781,000
Credit History 209 $13,665,000 $65,000 $315,000 $63,000 $1,440,000
Collateral 60 $5,000,000 $83,000 $305,000 $59,000 $273,000
Other 36 $3,680,000 $102,000 $295,000 $58,000 $191,000
Credit Application Incomplete 31 $3,485,000 $112,000 $275,000 $81,000 $549,000
Unverifiable Information 13 $1,135,000 $87,000 $485,000 $66,000 $197,000
Employment History 4 $510,000 $127,000 $205,000 $51,000 $63,000
Insufficient Cash (Downpayment, Closing Cost) 4 $330,000 $82,000 $125,000 $79,000 $145,000
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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