Kanabec County, MN Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 954 mortgage applications in Kanabec County, MN totaling $146.7 million, up 21% from 2018. The average application was for $153,000, and applicants reported an average income of $76,000. 58% of applications resulted in an originated loan and 13% were denied. The most active lender was Blaze Credit Union, with 86 applications, followed by US Bank, N.A. and Wells Fargo Bank NA.

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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 954
Total Mortgage Loan Application Amount $146,650,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $4,245,000
Average Applicant Income $76,000
Highest Applicant Income $550,000

Mortgage Company List for Lending in Kanabec County, MN for 2019

* 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
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ 1,072,790,000 86 $ 8,740,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 56 $ 6,860,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 50 $ 7,560,000
Neighborhood National Bank
45 NORTH UNION
MORA, MN 55051
* $ 221,476,000 45 $ 5,105,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 39 $ 7,225,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 28 $ 5,450,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 2,176,291,000 25 $ 2,235,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 23 $ 3,085,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 23 $ 3,415,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 19 $ 3,595,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 17 $ 2,665,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,706,892,000 17 $ 1,935,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 16 $ 3,160,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 16 $ 2,650,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 14 $ 2,150,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 2,430,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 14 $ 2,110,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 13 $ 1,865,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 13 $ 2,315,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 10 $ 2,010,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 10 $ 1,820,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 5,394,695,000 10 $ 1,140,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 10 $ 1,720,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 9 $ 1,365,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,665,000
Minnco Credit Union
235 WEST 1ST AVENUE
CAMBRIDGE, MN 55008
* $ 303,037,000 9 $ 1,085,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 8 $ 1,250,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,170,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 8 $ 1,150,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,389,689,000 8 $ 690,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,830,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 7 $ 965,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 738,388,000 7 $ 805,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 7 $ 1,375,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 7 $ 1,345,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,766,499,000 7 $ 1,555,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 33,604,332,000 6 $ 920,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ -1,000 6 $ 790,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 6 $ 220,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 12,122,519,000 6 $ 860,000
The First National Bank of Milaca
190 2ND AVE SW
MILACA, MN 56353
* $ 216,186,000 5 $ 995,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 1,165,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 215,000
Falcon National Bank
183 CEDAR DRIVE
FOLEY, MN 56329
* $ 472,539,000 5 $ 915,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 4 $ 680,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,111,480,000 4 $ 320,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 4 $ 830,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 4 $ 620,000
Lake Area Bank
12790 FIRST AVE N - PO BOX 743
LINDSTROM, MN 55045
* $ 334,839,000 4 $ 610,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 870,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 450,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 730,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 870,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 1,050,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 425,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 95,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 3 $ 305,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 3 $ 665,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 3 $ 495,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 3 $ 445,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ -1,000 3 $ 575,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 525,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 5,065,189,000 3 $ 255,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 3 $ 315,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 3 $ 465,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,029,298,000 3 $ 335,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 3 $ 515,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,390,524,000 3 $ 365,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 3 $ 605,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 2 $ 400,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 3,284,241,000 2 $ 300,000
Magnifi Financial Credit Union
20 4TH AVE SE
MELROSE, MN 56352
* $ 1,100,060,000 2 $ 250,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 300,000
Liberty Bank Minnesota
111 7TH AVE S
ST CLOUD, MN 56301
* $ 211,084,000 2 $ 460,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 1,282,907,000 2 $ 270,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 420,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 2 $ 300,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 370,000
Financial One Credit Union
11465 ROBINSON DRIVE NW
COON RAPIDS, MN 55433
* $ 132,922,000 2 $ 70,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 2 $ 200,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 2 $ 380,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 400,000
Sherburne State Bank
12500 SHERBURNE AVE
PO BOX 428, MN 55308
* $ 121,043,000 2 $ 210,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 530,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 150,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 2 $ 380,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 320,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 2 $ 450,000
Heritage Bank NA
100 SOUTH STREET W
SPICER, MN 56288
* $ 434,815,000 2 $ 360,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 2 $ 380,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 320,000
Deerwood Bank
21236 ARCHIBALD ROAD
WAITE PARK, MN 56387
* $ 713,817,000 2 $ 250,000
St. Cloud Financial Credit Union
3030 1ST ST S
SAINT CLOUD, MN 56301
* $ 180,416,000 2 $ 360,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 2 $ 590,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 330,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 2 $ 470,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,176,480,000 2 $ 450,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 578,076,000 2 $ 80,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 548,804,000 1 $ 155,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 275,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 235,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 175,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 635,000,000 1 $ 305,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 125,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 255,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 1 $ 5,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 297,303,000 1 $ 215,000
First Minnetonka City Bank
14550 EXCELSIOR BLVD
MINNETONKA, MN 55345
* $ 220,491,000 1 $ 205,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 215,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 175,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 252,307,000 1 $ 65,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 115,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 165,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 375,000
Bankcherokee
607 SMITH AV S
SAINT PAUL, MN 55107
* $ 266,964,000 1 $ 285,000
Ideal Credit Union
8499 TAMARACK ROAD
WOODBURY, MN 55125
* $ 732,009,000 1 $ 95,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 95,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 65,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 175,000
St Paul Federal Credit Union
1330 CONWAY ST, STE 200
SAINT PAUL, MN 55106
* $ 179,463,000 1 $ 135,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 1 $ 225,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 25,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 345,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 165,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 335,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 105,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,576,413,000 1 $ 25,000
Agriculture Federal Credit Union
1400 INDEPENDENCE AVE SW
WASHINGTON, DC 20250
* $ 331,795,000 1 $ 45,000
Sentry Bank
400 4TH AVE NE
ST. JOSEPH, MN 56374
* $ 227,825,000 1 $ 185,000
Citizens Bancshares of Woodville, Inc.
375 STAGELINE RD PO BOX 247
HUDSON, WI 54016
* $ 209,945,000 1 $ 215,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
Woodlands National Bank
122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, MN 55037
* $ -1,000 1 $ 45,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 135,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ -1,000 1 $ 205,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 1 $ 175,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 155,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 407,529,000 1 $ 85,000
Great Western Bank
225 S MAIN AVE
SIOUX FALLS, SD 57104
* $ 12,568,651,000 1 $ 4,245,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 1 $ 115,000
Security State Bank of Marine
120 JUDD STREET
MARINE ON ST CROIX, MN 55047
* $ 143,319,000 1 $ 405,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 175,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 195,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 175,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 175,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 85,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,050,339,000 1 $ 35,000

The tables below break down 2019 mortgage applications in Kanabec County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Kanabec County, MN in 2019

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 437 $75,655,000 $173,000 $4,245,000 $76,000 $550,000
Cash-out Refinancing 219 $33,205,000 $151,000 $375,000 $74,000 $220,000
Refinancing 174 $28,010,000 $160,000 $345,000 $74,000 $197,000
Home Improvement 56 $3,080,000 $55,000 $245,000 $82,000 $240,000
Other Purpose 54 $4,070,000 $75,000 $255,000 $87,000 $286,000
Not Applicable 14 $2,630,000 $187,000 $325,000 $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 780 $114,360,000 $146,000 $425,000 $77,000 $550,000
Not applicable 108 $22,830,000 $211,000 $4,245,000 $83,000 $197,000
Not Provided 53 $7,585,000 $143,000 $335,000 $65,000 $212,000
American Indian or Alaskan Native 4 $540,000 $135,000 $285,000 $61,000 $107,000
Hispanic 4 $480,000 $120,000 $185,000 $75,000 $92,000
Asian 3 $485,000 $161,000 $195,000 $68,000 $86,000
Black or African American 2 $370,000 $185,000 $215,000 $93,000 $114,000
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) 663 $94,565,000 $142,000 $4,245,000 $83,000 $550,000
FHA-insured (Federal Housing Administration) 176 $29,100,000 $165,000 $305,000 $54,000 $142,000
VA-guaranteed (Veterans Administration) 73 $15,875,000 $217,000 $365,000 $67,000 $206,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $7,110,000 $169,000 $255,000 $51,000 $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 549 $86,655,000 $157,000 $4,245,000 $78,000 $550,000
Loan Purchased By The Institution 124 $22,370,000 $180,000 $365,000 $92,000 $529,000
Application Denied By Financial Institution 123 $14,335,000 $116,000 $355,000 $66,000 $206,000
Application Withdrawn By Applicant 101 $15,115,000 $149,000 $365,000 $72,000 $286,000
File Closed For Incompleteness 28 $3,380,000 $120,000 $305,000 $70,000 $268,000
Application Approved But Not Accepted 28 $4,600,000 $164,000 $335,000 $91,000 $263,000
Preapproval Approved but not Accepted 1 $195,000 $195,000 $195,000 $37,000 $37,000
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 805 $127,965,000 $158,000 $4,245,000 $78,000 $550,000
Debt-To-Income Ratio 52 $7,220,000 $138,000 $405,000 $75,000 $211,000
Credit History 37 $3,475,000 $93,000 $255,000 $59,000 $163,000
Collateral 25 $3,045,000 $121,000 $245,000 $72,000 $206,000
Credit Application Incomplete 14 $2,220,000 $158,000 $355,000 $77,000 $150,000
Other 12 $1,850,000 $154,000 $345,000 $76,000 $190,000
Unverifiable Information 8 $720,000 $90,000 $275,000 $92,000 $162,000
Insufficient Cash (Downpayment, Closing Cost) 1 $155,000 $155,000 $155,000 $34,000 $34,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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