Jersey County, IL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,259 mortgage applications in Jersey County, IL totaling $150.7 million, up 23% from 2011. The average application was for $119,000, and applicants reported an average income of $74,000. 64% of applications resulted in an originated loan and 15% were denied. The most active lender was Carrollton Bank, with 143 applications, followed by Jersey State Bank and 1st Midamerica Credit Union.
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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 | 1,259 |
| Total Mortgage Loan Application Amount | $150,722,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $1,400,000 |
* 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 |
|---|---|---|---|---|
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,013,780,000 | 143 | $ 17,484,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ 141,804,000 | 114 | $ 11,986,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 474,461,000 | 109 | $ 11,516,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 235,875,000 | 97 | $ 10,528,000 |
| South Central Illinois Mtg LLC 450 W. SIDE SQUARE CARLINVILLE, IL 62626 |
* | $ 366,232,000 | 96 | $ 11,966,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 84 | $ 11,031,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 50 | $ 6,297,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 38 | $ 3,327,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,579,840,000 | 37 | $ 3,006,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,331,681,000 | 28 | $ 3,406,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 954,685,000 | 28 | $ 4,050,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 26 | $ 3,156,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 237,850,000 | 25 | $ 3,505,000 |
| Bank of Calhoun County 204 MAIN STREET PO BOX 555 HARDIN, IL 62047 |
* | $ 64,461,000 | 23 | $ 1,608,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,559,633,000 | 22 | $ 3,339,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 19 | $ 1,744,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 17 | $ 2,325,000 |
| Cnb Bank & Trust, N.A. 450 W SIDE SQ CARLINVILLE, IL 62626 |
* | $ 682,481,000 | 16 | $ 3,054,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 13 | $ 1,663,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ 12,988,000 | 13 | $ 1,655,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 13 | $ 1,629,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 12 | $ 1,574,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 9 | $ 915,000 |
| First National Bank of Stlouis 7707 FORSYTH BLVD CLAYTON, MO 63105 |
* | $ 1,327,659,000 | 8 | $ 1,160,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 8 | $ 851,000 |
| First Clover Leaf Bank, N.A. 6814 GOSHEN ROAD, PO BOX 540 EDWARDSVILLE, IL 62025 |
* | $ 561,786,000 | 8 | $ 1,216,000 |
| Bank of Kampsville P.O BOX 245 KAMPSVILLE, IL 62053 |
* | $ 101,666,000 | 8 | $ 502,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 1,147,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 6 | $ 826,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 6 | $ 892,000 |
| Liberty Bank 2403 HOMER ADAMS PARKWAY ALTON, IL 62002 |
* | $ 285,207,000 | 6 | $ 550,000 |
| The First National Bank in Staunton 115 S ELM ST PO BOX 59 STAUNTON, IL 62088 |
* | $ 480,166,000 | 5 | $ 797,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 5 | $ 461,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 4 | $ 288,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 517,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 447,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 244,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 578,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 793,720,000 | 4 | $ 510,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 715,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 647,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 481,000 |
| Shell Community Credit Union 101 WESLEY DRIVE WOOD RIVER, IL 62095 |
* | $ 100,347,000 | 3 | $ 24,000 |
| Laclede Community Credit Union PO BOX 217 ALTON, IL 62002 |
* | $ 64,276,000 | 3 | $ 99,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 606,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 99,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 396,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 509,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 437,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 3 | $ 1,233,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 400,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 3 | $ 182,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 629,994,000 | 3 | $ 417,000 |
| Reliance Bank 10401 CLAYTON ROAD FRONTENAC, MO 63131 |
* | $ 978,608,000 | 2 | $ 250,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 221,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 2 | $ 467,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 2 | $ 61,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 2 | $ 401,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 232,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 256,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 343,000 |
| Town and Country Bank 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 289,712,000 | 2 | $ 195,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 558,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 2 | $ 250,000 |
| Hartland Mortgage Centers 1900 W 75TH ST WOODRIDGE, IL 60517 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 167,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 52,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 84,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ 512,000 | 1 | $ 197,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Vinson Mortgage Group 12801 FLUSHING MEADOWS DR SUITE 100 SAINT LOUIS, MO 63131 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 2,666,999,000 | 1 | $ 58,000 |
| Southern Commercial Bank 5515 SOUTH GRAND BLVD ST. LOUIS, MO 63111 |
* | $ 527,985,000 | 1 | $ 106,000 |
| Bank & Trust Company 401 N MADISON LITCHFIELD, IL 62056 |
* | $ 258,445,000 | 1 | $ 150,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 1 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 103,000 |
| Guardian Savings Bank 3800 NAMEOKI RD GRANITE CITY, IL 62040 |
* | $ 38,935,000 | 1 | $ 129,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 1 | $ 170,000 |
| Gateway Bank F.S.B. 360 8TH STREET OAKLAND, CA 94607 |
* | $ 266,820,000 | 1 | $ 89,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 3,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,322,979,000 | 1 | $ 22,000 |
| Alliance Credit Union 1280 S HIGHWAY DR FENTON, MO 63026 |
* | $ 183,244,000 | 1 | $ 159,000 |
| Warren Boynton State Bank 702 W ILLINOIS ST, PO BOX 19 NEW BERLIN, IL 62670 |
* | $ 124,592,000 | 1 | $ 160,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 1,780,950,000 | 1 | $ 165,000 |
| Altier Credit Union 1650 S. PRIEST DRIVE TEMPE, AZ 85281 |
* | $ 163,351,000 | 1 | $ 199,000 |
| Revity Credit Union 4101 STATE RTE 111 GRANITE CITY, IL 62040 |
* | $ 297,699,000 | 1 | $ 68,000 |
| Cu/America Financial Services, Inc. 200 W 22ND ST, STE 280 LOMBARD, IL 60148 |
* | $ 275,906,000 | 1 | $ 107,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 80,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 127,000 |
| First Community State Bank 417 W. NORTH STREET, P.O. BOX 210 STAUNTON, IL 62088 |
* | $ 46,440,000 | 1 | $ 174,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 600,441,000 | 1 | $ 166,000 |
| The Mortgage Company 7343 S ALTON WAY STE 150 CENTENNIAL, CO 80112 |
* | $ 5,768,000 | 1 | $ 105,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 81,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 1 | $ 68,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 166,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 307,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 104,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 68,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 102,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 110,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 151,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 249,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 119,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 402,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 234,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 138,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 161,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 11,676,671,000 | 1 | $ 156,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 883,746,000 | 1 | $ 75,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 126,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 22,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 50,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 104,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 279,000 |
| Citizens Community Bank 9 E MAIN ST MASCOUTAH, IL 62258 |
* | $ 284,996,000 | 1 | $ 77,000 |
| Constitution Bank N.A. PO BOX 310 HILLSBORO, IL 62049 |
* | $ 310,441,000 | 1 | $ 64,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 881,247,000 | 1 | $ 113,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 99,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 307,210,000 | 1 | $ 76,000 |
The tables below break down 2012 mortgage applications in Jersey 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 Jersey County, IL in 2012
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 | 869 | $110,652,000 | $127,000 | $1,045,000 | $75,000 | $659,000 |
| Home Purchase | 308 | $34,832,000 | $113,000 | $410,000 | $69,000 | $1,400,000 |
| Home Improvement | 82 | $5,238,000 | $63,000 | $214,000 | $78,000 | $278,000 |
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 | 1,162 | $140,111,000 | $120,000 | $1,045,000 | $75,000 | $1,400,000 |
| Not Provided | 44 | $4,885,000 | $111,000 | $330,000 | $92,000 | $734,000 |
| Not applicable | 38 | $4,276,000 | $112,000 | $232,000 | $6,000 | $73,000 |
| Hispanic | 7 | $580,000 | $82,000 | $151,000 | $53,000 | $86,000 |
| Black or African American | 3 | $560,000 | $186,000 | $252,000 | $95,000 | $113,000 |
| American Indian or Alaskan Native | 2 | $83,000 | $41,000 | $71,000 | $128,000 | $149,000 |
| Asian | 2 | $52,000 | $26,000 | $30,000 | $106,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $175,000 | $175,000 | $175,000 | $0 | $0 |
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) | 977 | $115,453,000 | $118,000 | $1,045,000 | $82,000 | $1,400,000 |
| FHA-insured (Federal Housing Administration) | 153 | $20,283,000 | $132,000 | $286,000 | $51,000 | $276,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $9,831,000 | $110,000 | $475,000 | $46,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 40 | $5,155,000 | $128,000 | $315,000 | $34,000 | $120,000 |
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 | 802 | $96,701,000 | $120,000 | $1,045,000 | $80,000 | $1,400,000 |
| Application Denied By Financial Institution | 191 | $20,854,000 | $109,000 | $417,000 | $61,000 | $659,000 |
| Loan Purchased By The Institution | 119 | $15,954,000 | $134,000 | $417,000 | $42,000 | $196,000 |
| Application Withdrawn By Applicant | 61 | $7,169,000 | $117,000 | $270,000 | $77,000 | $768,000 |
| Application Approved But Not Accepted | 57 | $6,579,000 | $115,000 | $410,000 | $106,000 | $734,000 |
| File Closed For Incompleteness | 29 | $3,465,000 | $119,000 | $322,000 | $59,000 | $135,000 |
| 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 | 54 | $5,103,000 | $94,000 | $273,000 | $48,000 | $160,000 |
| Collateral | 26 | $3,637,000 | $139,000 | $417,000 | $89,000 | $659,000 |
| Debt-To-Income Ratio | 20 | $2,397,000 | $119,000 | $395,000 | $54,000 | $276,000 |
| Credit Application Incomplete | 19 | $2,203,000 | $115,000 | $402,000 | $54,000 | $118,000 |
| Employment History | 5 | $304,000 | $60,000 | $110,000 | $56,000 | $106,000 |
| Other | 4 | $634,000 | $158,000 | $296,000 | $113,000 | $177,000 |
| Unverifiable Information | 3 | $371,000 | $123,000 | $157,000 | $116,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $289,000 | $144,000 | $255,000 | $95,000 | $108,000 |
| Mortgage Insurance Denied | 1 | $180,000 | $180,000 | $180,000 | $51,000 | $51,000 |
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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