Jefferson County, IL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,159 mortgage applications in Jefferson County, IL totaling $115.2 million, up 9% from 2015. The average application was for $99,000, and applicants reported an average income of $64,000. 51% of applications resulted in an originated loan and 24% were denied. The most active lender was US Bank, N.A., with 161 applications, followed by Peoples National Bank, N.A. 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 | 1,159 |
| Total Mortgage Loan Application Amount | $115,249,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $1,127,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $585,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 161 | $ 14,111,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,063,118,000 | 152 | $ 15,958,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 62 | $ 3,918,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 49 | $ 4,919,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 47 | $ 6,701,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 350,254,000 | 45 | $ 6,005,000 |
| Genfed Financial Credit Union 2492 WEDGEWOOD DR SUITE G AKRON, OH 44312 |
* | $ 229,374,000 | 40 | $ 3,575,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 2,105,732,000 | 37 | $ 3,290,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 35 | $ 790,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 34 | $ 1,678,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 29 | $ 2,932,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 24 | $ 2,563,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 21 | $ 2,766,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 174,579,000 | 18 | $ 1,308,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 16 | $ 1,221,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,882,577,000 | 15 | $ 878,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 15 | $ 1,815,000 |
| First County Bank 14-22 E HANOVER NEW BADEN, IL 62265 |
* | $ 442,665,000 | 15 | $ 2,085,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 14 | $ 1,402,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 14 | $ 1,339,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,371,854,000 | 11 | $ 1,953,000 |
| The Farmers and Merchants National Bank 120 WEST ST. LOUIS STREET NASHVILLE, IL 62263 |
* | $ 174,242,000 | 11 | $ 1,178,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 10 | $ 1,315,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 10 | $ 209,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 9 | $ 742,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 9 | $ 597,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 8 | $ 213,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 746,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 8 | $ 819,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 7 | $ 651,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 7 | $ 866,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 836,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 7 | $ 95,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 952,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 5 | $ 564,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 5 | $ 427,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 5 | $ 600,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 5 | $ 381,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 4 | $ 290,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 2,883,399,000 | 4 | $ 897,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 268,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 287,000 |
| Murphy-Wall State Bank and Trust Company 105 E WATER ST, PO BOX 128 PINCKNEYVILLE, IL 62274 |
* | $ 113,386,000 | 3 | $ 82,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 3 | $ 252,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 3 | $ 112,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 3 | $ 418,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 442,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 3 | $ 213,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,039,806,000 | 3 | $ 325,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 767,869,000 | 3 | $ 422,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 3 | $ 43,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 3 | $ 455,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 364,000 |
| The Home National Bank of Thorntown 117 E MAIN STREET THORNTOWN, IN 46071 |
* | $ 101,906,000 | 2 | $ 122,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 493,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 139,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,184,204,000 | 2 | $ 297,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 226,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 504,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 650,443,000 | 2 | $ 251,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 291,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 257,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 104,121,677,000 | 2 | $ 54,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,483,687,000 | 2 | $ 25,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 177,497,000 | 2 | $ 380,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 395,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 244,000 |
| Cornerstone Mortgage Providers, L.P. 1177 WEST LOOP SOUTH, STE. 200 HOUSTON, TX 77027 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 109,000 |
| First Bank & Trust, Il 101 S CENTRAL AVE PO BOX 880 PARIS, IL 61944 |
* | $ 449,541,000 | 1 | $ 97,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 175,672,000 | 1 | $ 65,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 334,477,000 | 1 | $ 104,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,237,292,000 | 1 | $ 190,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 1 | $ 26,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 33,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 11,846,211,000 | 1 | $ 150,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 780,426,000 | 1 | $ 76,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 96,000 |
| Private Bank of Buckhead 3565 PIEDMONT ROAD, BLDG 3, STE 210 ATLANTA, GA 30305 |
* | $ 280,450,000 | 1 | $ 79,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 77,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 375,000 |
| Vinson Mortgage Group 12801 FLUSHING MEADOWS DR SUITE 100 SAINT LOUIS, MO 63131 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 189,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 89,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 88,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 1 | $ 50,000 |
| All Reverse Mortgage, Inc 2019 W CHAPMAN AVENUE ORANGE, CA 92868 |
* | $ 3,328,000 | 1 | $ 114,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 58,000 |
| F&B Acquisition Group LLC 12412 POWERSCOURT DRIVE STE. 20 ST. LOUIS, MO 63131 |
* | $ 11,709,000 | 1 | $ 129,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ 26,494,000 | 1 | $ 167,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 64,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 107,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 180,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 114,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 367,680,000 | 1 | $ 175,000 |
| Land of Lincoln Credit Union 3130 E MOUND RD DECATUR, IL 62526 |
* | $ 221,510,000 | 1 | $ 46,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,358,315,000 | 1 | $ 92,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 127,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ 10,000,000 | 1 | $ 207,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ 26,264,000 | 1 | $ 199,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ 12,988,000 | 1 | $ 153,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 216,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 152,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 14,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 516,267,000 | 1 | $ 341,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 284,800,000 | 1 | $ 145,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 528,432,000 | 1 | $ 22,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,740,004,000 | 1 | $ 84,000 |
| Focus Bank PO BOX 99 CHARLESTON, MO 63834 |
* | $ 722,830,000 | 1 | $ 1,127,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 228,000 |
| The Bradford National Bank of Greenville 100 E COLLEGE AVE GREENVILLE, IL 62246 |
* | $ 278,746,000 | 1 | $ 244,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 136,000 |
| The First National Bank 432 W GALLATIN VANDALIA, IL 62471 |
* | $ 318,126,000 | 1 | $ 38,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 181,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,475,176,000 | 1 | $ 49,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 216,000 |
The tables below break down 2016 mortgage applications in Jefferson County, IL 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, IL in 2016
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 | 534 | $54,424,000 | $101,000 | $1,127,000 | $56,000 | $585,000 |
| Refinancing | 457 | $53,412,000 | $116,000 | $417,000 | $68,000 | $583,000 |
| Home Improvement | 168 | $7,413,000 | $44,000 | $199,000 | $79,000 | $510,000 |
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 | 956 | $93,414,000 | $97,000 | $417,000 | $66,000 | $583,000 |
| Not Provided | 79 | $7,659,000 | $96,000 | $364,000 | $79,000 | $450,000 |
| Not applicable | 76 | $9,215,000 | $121,000 | $1,127,000 | $7,000 | $111,000 |
| Black or African American | 28 | $2,385,000 | $85,000 | $231,000 | $72,000 | $585,000 |
| Hispanic | 11 | $1,206,000 | $109,000 | $335,000 | $101,000 | $400,000 |
| Asian | 4 | $908,000 | $227,000 | $414,000 | $147,000 | $343,000 |
| American Indian or Alaskan Native | 3 | $375,000 | $125,000 | $228,000 | $94,000 | $161,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $87,000 | $43,000 | $62,000 | $56,000 | $79,000 |
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) | 835 | $80,011,000 | $95,000 | $1,127,000 | $73,000 | $585,000 |
| FHA-insured (Federal Housing Administration) | 159 | $15,676,000 | $98,000 | $235,000 | $45,000 | $278,000 |
| VA-guaranteed (Veterans Administration) | 84 | $11,883,000 | $141,000 | $347,000 | $49,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 81 | $7,679,000 | $94,000 | $228,000 | $31,000 | $73,000 |
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 | 595 | $63,480,000 | $106,000 | $1,127,000 | $72,000 | $585,000 |
| Application Denied By Financial Institution | 282 | $22,947,000 | $81,000 | $417,000 | $63,000 | $510,000 |
| Loan Purchased By The Institution | 100 | $10,766,000 | $107,000 | $347,000 | $18,000 | $153,000 |
| Application Withdrawn By Applicant | 88 | $8,841,000 | $100,000 | $375,000 | $63,000 | $305,000 |
| File Closed For Incompleteness | 61 | $5,420,000 | $88,000 | $375,000 | $59,000 | $160,000 |
| Application Approved But Not Accepted | 33 | $3,795,000 | $115,000 | $375,000 | $96,000 | $583,000 |
| 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 | 76 | $3,795,000 | $49,000 | $168,000 | $79,000 | $510,000 |
| Debt-To-Income Ratio | 46 | $3,273,000 | $71,000 | $178,000 | $49,000 | $179,000 |
| Collateral | 37 | $2,933,000 | $79,000 | $417,000 | $51,000 | $134,000 |
| Other | 12 | $761,000 | $63,000 | $150,000 | $69,000 | $278,000 |
| Credit Application Incomplete | 7 | $835,000 | $119,000 | $240,000 | $60,000 | $85,000 |
| Employment History | 4 | $358,000 | $89,000 | $201,000 | $79,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $320,000 | $106,000 | $124,000 | $57,000 | $69,000 |
| Unverifiable Information | 2 | $177,000 | $88,000 | $100,000 | $61,000 | $117,000 |
| 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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