Jefferson County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 873 mortgage applications in Jefferson County, IL totaling $103.4 million, down 14% from 2022. The average application was for $118,000, and applicants reported an average income of $80,000. 52% of applications resulted in an originated loan and 17% were denied. The most active lender was US Bank, N.A., with 111 applications, followed by Peoples National Bank, N.A. and New American Funding, Llc..
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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 | 873 |
| Total Mortgage Loan Application Amount | $103,365,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $5,505,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $1,862,000 |
* 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 |
* | $ 585,135,605,000 | 111 | $ 11,235,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,697,634,000 | 94 | $ 12,040,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 81 | $ 6,675,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 43 | $ 1,925,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 38 | $ 4,000,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 32 | $ 1,650,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 277,179,000 | 31 | $ 4,175,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 28 | $ 3,390,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 6,704,869,000 | 26 | $ 2,580,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 20 | $ 3,230,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 18 | $ 3,590,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 17 | $ 2,235,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 12 | $ 1,470,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,751,826,000 | 12 | $ 970,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ -1,000 | 11 | $ 1,405,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 11 | $ 605,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 10 | $ 840,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 10 | $ 1,260,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,045,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 9 | $ 885,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 8 | $ 1,700,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 2,844,673,000 | 8 | $ 710,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 7 | $ 835,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 4,973,142,000 | 7 | $ 285,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 7 | $ 1,225,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 875,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 6 | $ 850,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 6 | $ 600,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 6 | $ 950,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 5 | $ 125,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 405,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 5 | $ 1,305,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 5 | $ 165,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 653,519,000 | 5 | $ 575,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 7,845,713,000 | 4 | $ 360,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 300,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 240,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 480,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 550,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 4 | $ 380,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 3 | $ 545,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 3 | $ 295,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 315,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 2,111,560,000 | 3 | $ 615,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 425,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 3 | $ 325,000 |
| Community Partners Savings Bank 301 W MAIN ST SALEM, IL 62881 |
* | $ 238,339,000 | 3 | $ 325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 545,000 |
| The Farmers and Merchants National Bank 120 WEST ST. LOUIS STREET NASHVILLE, IL 62263 |
* | $ 265,581,000 | 2 | $ 280,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 2 | $ 710,000 |
| Studio Bank 124 12TH AVE S #400 NASHVILLE, TN 37203 |
* | $ 819,912,000 | 2 | $ 250,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 220,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 520,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 2 | $ 280,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 530,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 2 | $ 190,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 2 | $ 190,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 2 | $ 110,000 |
| Siu Credit Union PO BOX 2888 CARBONDALE, IL 62901 |
* | $ 474,794,000 | 2 | $ 150,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 380,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 160,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 190,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 390,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 320,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 3,450,913,000 | 2 | $ 60,000 |
| The Bradford National Bank of Greenville 100 E COLLEGE AVE GREENVILLE, IL 62246 |
* | $ 521,415,000 | 2 | $ 330,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 360,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 610,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 200,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 1 | $ 155,000 |
| First National Bank of Raymond 403 E. BROAD ST. RAYMOND, IL 62558 |
* | $ 182,933,000 | 1 | $ 25,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 5,505,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 195,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 1 | $ 145,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 15,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 95,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ -1,000 | 1 | $ 245,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 185,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 385,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 95,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 85,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 95,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 215,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 1 | $ 195,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 155,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 389,402,000 | 1 | $ 215,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 2,045,720,000 | 1 | $ 145,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 125,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 105,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 125,000 |
| Genhome Mortgage Corporation IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 145,000 |
| Direct Mortgage Loans, LLC 111011 MCCORMICK RD, SUITE 400 HUNT VALLEY, MD 21031 |
* | $ -1,000 | 1 | $ 285,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 75,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 309,826,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 115,000 |
| Longview Community Bank 804 SOUTH SANGAMON AVENUE GIBSON CITY, IL 60936 |
* | $ 135,977,000 | 1 | $ 75,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,684,000,000 | 1 | $ 145,000 |
| The Bank of Herrin 101 S. PARK AVE, P.O. BOX B HERRIN, IL 62948 |
* | $ 301,798,000 | 1 | $ 65,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,677,655,000 | 1 | $ 195,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 205,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 1,034,888,000 | 1 | $ 135,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 185,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 175,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 325,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 1 | $ 75,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 362,260,000 | 1 | $ 125,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 285,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 145,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 8,876,888,000 | 1 | $ 65,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 872,464,000 | 1 | $ 225,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 155,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 1 | $ 15,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 1 | $ 145,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 3,135,836,000 | 1 | $ 85,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 1 | $ 185,000 |
The tables below break down 2023 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 2023
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 | 608 | $74,700,000 | $122,000 | $395,000 | $79,000 | $1,862,000 |
| Cash-out Refinancing | 83 | $9,025,000 | $108,000 | $275,000 | $71,000 | $285,000 |
| Other Purpose | 65 | $3,245,000 | $49,000 | $175,000 | $73,000 | $393,000 |
| Refinancing | 58 | $7,080,000 | $122,000 | $405,000 | $88,000 | $598,000 |
| Home Improvement | 55 | $9,175,000 | $166,000 | $5,505,000 | $109,000 | $1,016,000 |
| Not Applicable | 4 | $140,000 | $35,000 | $65,000 | $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 | 650 | $69,470,000 | $106,000 | $405,000 | $80,000 | $1,862,000 |
| Not Provided | 71 | $8,155,000 | $114,000 | $385,000 | $87,000 | $630,000 |
| Not applicable | 68 | $15,870,000 | $233,000 | $5,505,000 | $43,000 | $56,000 |
| Black or African American | 44 | $5,020,000 | $114,000 | $395,000 | $64,000 | $192,000 |
| Hispanic | 22 | $2,670,000 | $121,000 | $215,000 | $115,000 | $370,000 |
| American Indian or Alaskan Native | 11 | $1,005,000 | $91,000 | $195,000 | $71,000 | $210,000 |
| Asian | 5 | $735,000 | $147,000 | $295,000 | $87,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $165,000 | $165,000 | $165,000 | $49,000 | $49,000 |
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) | 626 | $67,880,000 | $108,000 | $5,505,000 | $85,000 | $1,862,000 |
| FHA-insured (Federal Housing Administration) | 165 | $22,085,000 | $133,000 | $395,000 | $64,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 62 | $11,210,000 | $180,000 | $385,000 | $76,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,190,000 | $109,000 | $165,000 | $57,000 | $85,000 |
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 | 451 | $55,385,000 | $122,000 | $5,505,000 | $84,000 | $1,016,000 |
| Application Denied By Financial Institution | 145 | $13,335,000 | $91,000 | $385,000 | $77,000 | $1,862,000 |
| Loan Purchased By The Institution | 126 | $17,040,000 | $135,000 | $395,000 | $55,000 | $189,000 |
| Application Withdrawn By Applicant | 88 | $11,120,000 | $126,000 | $385,000 | $87,000 | $630,000 |
| File Closed For Incompleteness | 37 | $4,485,000 | $121,000 | $285,000 | $82,000 | $450,000 |
| Application Approved But Not Accepted | 26 | $2,000,000 | $76,000 | $265,000 | $77,000 | $260,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 717 | $88,945,000 | $124,000 | $5,505,000 | $81,000 | $1,016,000 |
| Credit History | 61 | $5,375,000 | $88,000 | $235,000 | $103,000 | $1,862,000 |
| Debt-To-Income Ratio | 42 | $4,350,000 | $103,000 | $385,000 | $51,000 | $235,000 |
| Collateral | 21 | $1,855,000 | $88,000 | $325,000 | $76,000 | $179,000 |
| Credit Application Incomplete | 13 | $1,035,000 | $79,000 | $215,000 | $59,000 | $125,000 |
| Other | 9 | $605,000 | $67,000 | $125,000 | $62,000 | $152,000 |
| Unverifiable Information | 6 | $730,000 | $121,000 | $195,000 | $59,000 | $108,000 |
| Employment History | 3 | $325,000 | $108,000 | $145,000 | $74,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $69,000 | $69,000 |
| 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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