Johnson County, TN Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 810 mortgage applications in Johnson County, TN totaling $165.0 million, up 12% from 2020. The average application was for $203,000, and applicants reported an average income of $91,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 90 applications, followed by Eastman Credit Union and Amerisave Mortgage Company.

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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 810
Total Mortgage Loan Application Amount $164,970,000
Average Mortgage Loan Application Amount $203,000
Highest Mortgage Loan Application Amount $2,405,000
Average Applicant Income $91,000
Highest Applicant Income $1,036,000

Mortgage Company List for Lending in Johnson County, TN 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 90 $ 10,310,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 56 $ 9,280,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 27 $ 4,665,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 25 $ 7,325,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 4,610,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 23 $ 2,175,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 20 $ 4,320,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 19 $ 3,605,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 41,376,687,000 16 $ 2,230,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 16 $ 2,740,000
Elizabethton Federal Savings Bank
112-114 NORTH SYCAMORE STREET
ELIZABETHTON, TN 37643
* $ 292,783,000 15 $ 4,485,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 3,140,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 13 $ 2,615,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 13 $ 915,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 12 $ 1,930,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ 1,414,865,000 11 $ 7,695,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 2,435,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,730,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 9 $ 1,775,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 9 $ 1,665,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 8 $ 2,250,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 8 $ 1,290,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,230,000
The Bank of Marion
PO BOX 1067
MARION, VA 24354
* $ 392,344,000 8 $ 1,020,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 8 $ 2,380,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 8 $ 2,340,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 7 $ 1,525,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 7 $ 1,825,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 12,887,120,000 6 $ 1,250,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 750,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 6 $ 970,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 6 $ 1,150,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 6 $ 1,270,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 6 $ 2,110,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 6 $ 800,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 5 $ 875,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 5 $ 2,515,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 845,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 1,650,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 710,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 4 $ 1,270,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 1,390,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 4 $ 1,010,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 4 $ 650,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 4 $ 1,270,000
A Mortgage Boutique, LLC
1574 MEDICAL CENTER PKWY SUITE 101
MURFREESBORO, TN 37129
* $ -1,000 3 $ 1,265,000
Northeast Community Credit Union
980 JASON WITTEN WAY
ELIZABETHTON, TN 37643
* $ 121,166,000 3 $ 475,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 615,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 485,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 3 $ 675,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 475,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 735,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 765,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 3 $ 565,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 315,000
Mountain Commerce Bank
121 BOONE RIDGE DRIVE, SUITE 2002
JOHNSON CITY, TN 37615
* $ 906,695,000 3 $ 1,515,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 535,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 3 $ 935,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 3 $ 445,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 3 $ 155,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 550,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 2 $ 70,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 2 $ 420,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 460,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 330,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 2,234,264,000 2 $ 390,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 400,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 230,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 290,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 2 $ 490,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 2 $ 420,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ 5,454,143,000 2 $ 2,010,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 2 $ 480,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 440,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 310,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 440,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ 1,285,083,000 2 $ 320,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 400,000
Citizens Bank
PO BOX 1900
ELIZABETHTON, TN 37644
* $ 859,865,000 2 $ 120,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 705,233,000 2 $ 630,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 2 $ 330,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 2 $ 620,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 245,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 85,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 65,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 1 $ 65,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 12,304,722,000 1 $ 5,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 105,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,468,407,000 1 $ 485,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 125,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 135,000
Sprout Mortgage, LLC
1759 ST LUCIE W BLVD
PORT LUCIE, FL 34986
* $ -1,000 1 $ 135,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 15,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,627,129,000 1 $ 255,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 11,947,775,000 1 $ 195,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 235,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 12,244,742,000 1 $ 25,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 155,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 1 $ 225,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 145,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 1 $ 325,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 395,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 335,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 545,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 145,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 2,405,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 135,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 295,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 175,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 105,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 415,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 205,000
Seatrust Mortgage Company
1001 MILITARY CUTOFF RD STE 350
WILMINGTON, NC 28405
* $ -1,000 1 $ 1,005,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 55,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 75,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 105,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 305,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 85,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 315,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 1 $ 75,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 335,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 375,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 205,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 1 $ 235,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,611,084,000 1 $ 545,000
Pyramax Bank FSB
7001 W. EDGERTON AVENUE
GREENFIELD, WI 53220
* $ 425,734,000 1 $ 235,000
First Century Bank
1780 NORTH BROAD STREET
TAZEWELL, TN 37879
* $ 419,729,000 1 $ 295,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 145,000
First Community Bank
5455 SUNSET BLVD
LEXINGTON, SC 29072
* $ 1,170,076,000 1 $ 275,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 155,000
Appalachian Community Federal Credit Union
5034 BOBBY HICKS HIGHWAY SUITE 2
JOHNSON CITY, TN 37615
* $ 192,331,000 1 $ 75,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,381,624,000 1 $ 225,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 95,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 125,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 305,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 145,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 225,000
First Community Bank
809 W MAIN STREET
ROGERSVILLE, TN 37857
* $ 162,118,000 1 $ 95,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 505,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 175,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 115,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 175,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 365,000
Powell Valley National Bank
33785 MAIN STREET
JONESVILLE, VA 24263
* $ 303,286,000 1 $ 215,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 45,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 18,156,981,000 1 $ 105,000
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 $ 285,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 455,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 295,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 455,000

The tables below break down 2021 mortgage applications in Johnson County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Johnson County, TN 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 420 $96,700,000 $230,000 $2,405,000 $104,000 $1,036,000
Refinancing 214 $39,540,000 $184,000 $1,305,000 $79,000 $615,000
Cash-out Refinancing 133 $23,725,000 $178,000 $565,000 $70,000 $800,000
Other Purpose 24 $3,780,000 $157,000 $1,005,000 $86,000 $279,000
Home Improvement 19 $1,225,000 $64,000 $175,000 $65,000 $190,000
Not Applicable 0 $0 $0 $0 $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 668 $134,930,000 $201,000 $2,405,000 $91,000 $1,036,000
Not Provided 93 $19,065,000 $205,000 $1,005,000 $85,000 $615,000
Not applicable 27 $5,905,000 $218,000 $505,000 $174,000 $174,000
Hispanic 12 $2,340,000 $195,000 $315,000 $119,000 $266,000
American Indian or Alaskan Native 7 $2,165,000 $309,000 $1,045,000 $112,000 $286,000
Asian 1 $95,000 $95,000 $95,000 $64,000 $64,000
Black or African American 1 $465,000 $465,000 $465,000 $0 $0
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $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) 587 $118,885,000 $202,000 $2,405,000 $97,000 $1,036,000
VA-guaranteed (Veterans Administration) 122 $30,540,000 $250,000 $775,000 $79,000 $279,000
FHA-insured (Federal Housing Administration) 85 $13,195,000 $155,000 $365,000 $61,000 $323,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $2,350,000 $146,000 $255,000 $44,000 $75,000

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 412 $93,100,000 $225,000 $2,405,000 $97,000 $847,000
Application Denied By Financial Institution 130 $19,960,000 $153,000 $1,985,000 $58,000 $454,000
Application Withdrawn By Applicant 108 $25,750,000 $238,000 $2,405,000 $118,000 $1,036,000
File Closed For Incompleteness 99 $12,185,000 $123,000 $545,000 $72,000 $800,000
Application Approved But Not Accepted 31 $7,435,000 $239,000 $975,000 $126,000 $969,000
Loan Purchased By The Institution 29 $6,265,000 $216,000 $445,000 $133,000 $174,000
Preapproval Approved but not Accepted 1 $275,000 $275,000 $275,000 $71,000 $71,000
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 667 $142,235,000 $213,000 $2,405,000 $98,000 $1,036,000
Debt-To-Income Ratio 48 $7,590,000 $158,000 $765,000 $54,000 $329,000
Credit History 41 $4,735,000 $115,000 $295,000 $51,000 $173,000
Collateral 15 $2,835,000 $189,000 $435,000 $84,000 $291,000
Credit Application Incomplete 12 $1,930,000 $160,000 $335,000 $52,000 $150,000
Other 12 $3,470,000 $289,000 $1,985,000 $89,000 $454,000
Unverifiable Information 9 $1,225,000 $136,000 $185,000 $63,000 $112,000
Employment History 3 $635,000 $211,000 $375,000 $41,000 $77,000
Insufficient Cash (Downpayment, Closing Cost) 3 $315,000 $105,000 $135,000 $92,000 $124,000
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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