Jones County, MS Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 2,572 mortgage applications in Jones County, MS totaling $332.8 million, up 17% from 2019. The average application was for $129,000, and applicants reported an average income of $83,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Community Bank of Mississippi, with 569 applications, followed by 21st Mortgage and Trustmark Bank.

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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 2,572
Total Mortgage Loan Application Amount $332,830,000
Average Mortgage Loan Application Amount $129,000
Highest Mortgage Loan Application Amount $2,035,000
Average Applicant Income $83,000
Highest Applicant Income $831,000

Mortgage Company List for Lending in Jones County, MS for 2020

* 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
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ 3,259,650,000 569 $ 67,025,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 229 $ 15,825,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 13,495,944,000 158 $ 19,440,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 139 $ 22,685,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 21,061,188,000 112 $ 12,800,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 90 $ 13,970,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 83 $ 7,555,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 76 $ 5,230,000
The First, A National Banking Association
P.O. BOX 15549
HATTIESBURG, MS 39404
* $ 3,934,554,000 56 $ 11,090,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 51 $ 10,005,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 48 $ 7,850,000
Citizens National Bank of Meridian
512 22ND AVENUE
MERIDIAN, MS 39302
* $ 1,421,227,000 42 $ 6,580,000
Citizens Bank
814 MAIN STREET
COLUMBIA, MS 39429
* $ 421,145,000 41 $ 4,855,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 40 $ 7,050,000
Keesler Federal Credit Union
2602 PASS ROAD
BILOXI, MS 39531
* $ 3,038,779,000 34 $ 4,760,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 27 $ 1,765,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 27 $ 4,245,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 27 $ 4,495,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 24 $ 2,130,000
Magnolia State Bank
P O BOX 41
LAUREL, MS 39440
* $ 339,343,000 23 $ 3,035,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 2,760,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 20 $ 1,150,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 19 $ 3,425,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 19 $ 3,585,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 18 $ 2,050,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 17 $ 1,325,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 17 $ 2,895,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 14 $ 1,670,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 14 $ 1,660,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 13 $ 2,045,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 11 $ 1,485,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 2,055,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 10 $ 1,750,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 10 $ 1,760,000
Priorityone Bank
220 MAIN AVENUE NORTH
MAGEE, MS 39111
* $ 696,736,000 10 $ 1,640,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 10 $ 640,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,780,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 10 $ 1,700,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 9 $ 1,045,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 1,575,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,745,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 9 $ 1,285,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,605,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ -1,000 9 $ 2,005,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 8 $ 820,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 8 $ 1,050,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 309,299,000 8 $ 730,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 7 $ 905,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 7 $ 765,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 7 $ 1,115,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 805,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 6 $ 920,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ 30,597,146,000 6 $ 710,000
Sunbelt Federal Credit Union
1506 CONGRESS ST
HATTIESBURG, MS 39402
* $ 226,245,000 6 $ 670,000
First Bank
100 S BROADWAY
MCCOMB, MS 39648
* $ 561,010,000 6 $ 1,150,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 820,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 5 $ 995,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 5 $ 1,115,000
Grand Bank for Savings, FSB
204 WESTOVER DRIVE
HATTIESBURG, MS 39404
* $ 84,543,000 5 $ 715,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 445,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 485,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 375,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 330,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 360,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 4 $ 660,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 510,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 4 $ 700,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 700,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 3 $ 695,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 365,000
First Southern Bank
PO BOX 268
COLUMBIA, MS 39429
* $ 195,772,000 3 $ 2,335,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 445,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 325,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 695,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 475,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 695,000
Gulf Coast Bank and Trust
200 SAINT CHARLES AVENUE
NEW ORLEANS, LA 70130
* $ 1,820,602,000 2 $ 330,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 2 $ 610,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ -1,000 2 $ 190,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 2 $ 200,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 280,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 493,429,000 2 $ 200,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 260,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 550,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 139,109,000 2 $ 260,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 2,971,297,000 2 $ 300,000
Residential Acceptance Corporation. Rac.
5027 W LAUREL ST
TAMPA, FL 33607
* $ -1,000 2 $ 460,000
Great Southern Bank
P O BOX 1271
MERIDIAN, MS 39301
* $ 294,044,000 2 $ 250,000
Origin Bank

HOUSTON, TX 77024
* $ 5,294,103,000 2 $ 140,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 31,614,914,000 2 $ 280,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 340,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 1,005,002,000 2 $ 130,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,850,784,000 2 $ 240,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 2 $ 50,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 180,000
Story Bank dba Story Financial Partners
1300 MEADOWBROOK ROAD
JACKSON, MS 39211
* $ 422,335,000 2 $ 470,000
The Citizens Bank
521 MAIN ST
PHILADELPHIA, MS 39350
* $ 1,195,261,000 2 $ 140,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 789,398,000 2 $ 190,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 5,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 165,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 65,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 115,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 215,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 85,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 235,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 155,000
State Bank & Trust Company
147 SOUTH RAILROAD AVENUE
BROOKHAVEN, MS 39601
* $ 1,150,836,000 1 $ 95,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 796,073,000 1 $ 205,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 245,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 265,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 225,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 55,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 155,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 145,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 115,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 1 $ 135,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 155,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 215,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 325,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 65,000
Navigator Credit Union
P O BOX 1647
PASCAGOULA, MS 39568
* $ 328,794,000 1 $ 145,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 105,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 225,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 165,000
Powerco Federal Credit Union
241 RALPH MCGILL BLVD. NE
ATLANTA, GA 30308
* $ 168,818,000 1 $ 125,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 175,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 760,123,000 1 $ 135,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 155,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 155,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 215,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 135,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 215,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 95,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 165,000
U.S. Eagle Federal Credit Union
5201 ANTEQUERA NW
ALBUQUERQUE, NM 87120
* $ 1,069,474,000 1 $ 45,000
Axiom Bank, N.A.
258 SOUTHHALL LN SUITE 400
MAITLAND, FL 32751
* $ 672,019,000 1 $ 65,000
Bankfirst Financial Services
PO BOX 31
MACON, MS 39341
* $ 1,278,148,000 1 $ 145,000
Tva Community Credit Union
TVA RESERVATION
MUSCLE SHOALS, AL 35661
* $ 335,593,000 1 $ 225,000
First South Farm Credit, Aca
260 TRACE COLONY PARK DR
RIDGELAND, MS 39157
* $ -1,000 1 $ 145,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ 497,331,000 1 $ 125,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 165,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 1 $ 15,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 225,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 245,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 125,000
Fnbc Bank
636 ASH FLAT DR
ASH FLAT, AR 72513
* $ -1,000 1 $ 35,000
Southpoint Bank
3501 GRANDVIEW PARKWAY
BIRMINGHAM, AL 35243
* $ 410,115,000 1 $ 385,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 205,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 105,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 397,795,000 1 $ 235,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 63,780,722,000 1 $ 225,000

The tables below break down 2020 mortgage applications in Jones County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Jones County, MS in 2020

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 1,171 $142,055,000 $121,000 $755,000 $68,000 $584,000
Refinancing 991 $144,145,000 $145,000 $2,035,000 $97,000 $831,000
Cash-out Refinancing 196 $32,310,000 $164,000 $675,000 $96,000 $321,000
Other Purpose 125 $7,535,000 $60,000 $295,000 $97,000 $460,000
Not Applicable 46 $4,540,000 $98,000 $265,000 $0 $0
Home Improvement 43 $2,245,000 $52,000 $155,000 $80,000 $736,000

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 1,805 $239,255,000 $132,000 $675,000 $88,000 $831,000
Black or African American 374 $35,820,000 $95,000 $375,000 $62,000 $415,000
Not applicable 234 $35,470,000 $151,000 $2,035,000 $91,000 $158,000
Not Provided 120 $17,310,000 $144,000 $385,000 $75,000 $230,000
Hispanic 25 $2,725,000 $109,000 $235,000 $69,000 $222,000
American Indian or Alaskan Native 9 $1,565,000 $173,000 $345,000 $63,000 $109,000
Asian 4 $620,000 $155,000 $355,000 $113,000 $262,000
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) 1,980 $242,150,000 $122,000 $2,035,000 $87,000 $831,000
FHA-insured (Federal Housing Administration) 296 $44,040,000 $148,000 $335,000 $66,000 $368,000
VA-guaranteed (Veterans Administration) 176 $32,390,000 $184,000 $395,000 $71,000 $225,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 120 $14,250,000 $118,000 $335,000 $48,000 $88,000

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 1,368 $183,180,000 $133,000 $2,035,000 $90,000 $831,000
Application Denied By Financial Institution 449 $42,275,000 $94,000 $455,000 $61,000 $364,000
Loan Purchased By The Institution 303 $51,245,000 $169,000 $505,000 $108,000 $491,000
Application Withdrawn By Applicant 244 $35,100,000 $143,000 $515,000 $85,000 $586,000
File Closed For Incompleteness 141 $14,405,000 $102,000 $385,000 $64,000 $290,000
Application Approved But Not Accepted 67 $6,625,000 $98,000 $675,000 $64,000 $240,000
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 2,080 $283,020,000 $136,000 $775,000 $88,000 $831,000
Credit History 201 $16,375,000 $81,000 $455,000 $57,000 $364,000
Debt-To-Income Ratio 144 $16,840,000 $116,000 $2,035,000 $58,000 $460,000
Credit Application Incomplete 49 $5,425,000 $110,000 $275,000 $87,000 $171,000
Other 36 $4,430,000 $123,000 $295,000 $78,000 $236,000
Collateral 35 $4,265,000 $121,000 $395,000 $90,000 $321,000
Unverifiable Information 16 $1,420,000 $88,000 $335,000 $93,000 $309,000
Insufficient Cash (Downpayment, Closing Cost) 6 $450,000 $75,000 $125,000 $36,000 $49,000
Employment History 4 $520,000 $130,000 $195,000 $84,000 $276,000
Mortgage Insurance Denied 1 $85,000 $85,000 $85,000 $61,000 $61,000

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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