Kandiyohi County, MN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 911 mortgage applications in Kandiyohi County, MN totaling $185.1 million, down 28% from 2022. The average application was for $203,000, and applicants reported an average income of $110,000. 63% of applications resulted in an originated loan and 11% were denied. The most active lender was US Bank, N.A., with 83 applications, followed by Bremer Bank NA and Heritage 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 | 911 |
| Total Mortgage Loan Application Amount | $185,115,000 |
| Average Mortgage Loan Application Amount | $203,000 |
| Highest Mortgage Loan Application Amount | $13,855,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $3,656,000 |
* 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 | 83 | $ 14,055,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 15,939,263,000 | 76 | $ 15,570,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 457,589,000 | 71 | $ 13,935,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 65 | $ 8,195,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 2,123,114,000 | 39 | $ 6,435,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 28 | $ 8,730,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 27 | $ 1,855,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 22 | $ 3,650,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 22 | $ 4,830,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 4,078,225,000 | 19 | $ 3,635,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 4,614,668,000 | 18 | $ 3,230,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 18 | $ 3,200,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 18 | $ 2,240,000 |
| Kensington Bank 11 CENTRAL AVE N KENSINGTON, MN 56343 |
* | $ 359,764,000 | 15 | $ 2,525,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,835,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 13 | $ 3,015,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 12 | $ 2,320,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 12 | $ 2,950,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 12 | $ 1,690,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 10 | $ 2,940,000 |
| Citizens Alliance Bank 55 NW 1ST ST NW PO BOX 430 CLARA CITY, MN 56222 |
* | $ 1,316,544,000 | 10 | $ 2,530,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,670,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 9 | $ 2,665,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 539,421,000 | 9 | $ 1,665,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 1,915,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 8 | $ 2,160,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 8 | $ 1,240,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 7 | $ 465,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 810,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 6 | $ 1,850,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 5 | $ 865,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 5 | $ 105,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 5 | $ 1,605,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 795,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 2,119,023,000 | 5 | $ 495,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 510,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 220,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,740,477,000 | 4 | $ 470,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 480,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 8,422,113,000 | 4 | $ 14,320,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 533,091,000 | 4 | $ 770,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,552,579,000 | 4 | $ 360,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 810,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 4 | $ 660,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 4 | $ 1,630,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 737,394,000 | 4 | $ 370,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 2,847,684,000 | 4 | $ 1,450,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 775,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,377,534,000 | 3 | $ 1,055,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 735,000 |
| Bonanza Valley State Bank PO BOX 400 147 CENTRAL AVE S BROOTEN, MN 56316 |
* | $ 72,434,000 | 3 | $ 225,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 555,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 1,037,836,000 | 3 | $ 305,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ 663,555,000 | 3 | $ 135,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 3 | $ 1,015,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 520,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 150,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 330,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 2,022,880,000 | 2 | $ 300,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 280,000 |
| St. Cloud Financial Credit Union 3030 1ST ST S SAINT CLOUD, MN 56301 |
* | $ 326,767,000 | 2 | $ 740,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 2 | $ 330,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 2 | $ 270,000 |
| Bankwest 5921 MAIN ST ROCKFORD, MN 55313 |
* | $ 241,436,000 | 2 | $ 180,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 900,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 3,163,444,000 | 2 | $ 610,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 160,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 2 | $ 540,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 988,489,000 | 2 | $ 340,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 2 | $ 240,000 |
| Agcountry Farm Credit Services, Flca 1900 44TH ST S - PO BOX 6020 FARGO, ND 58108 |
* | $ -1,000 | 2 | $ 610,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 250,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 2 | $ 510,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 2 | $ 170,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 160,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 2 | $ 310,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 200,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 2 | $ 170,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 2 | $ 480,000 |
| Liberty Bank Minnesota 111 7TH AVE S ST CLOUD, MN 56301 |
* | $ 290,367,000 | 2 | $ 480,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 240,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 3,392,287,000 | 1 | $ 35,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 175,000 |
| Security Bank & Trust Company 735 11TH ST E GLENCOE, MN 55336 |
* | $ 712,980,000 | 1 | $ 285,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 595,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 465,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 215,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 435,814,000 | 1 | $ 365,000 |
| Lakeview Bank 9725 163RD ST W LAKEVILLE, MN 55044 |
* | $ 146,357,000 | 1 | $ 205,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 125,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 185,000 |
| The State Bank of Faribault 428 CENTRAL AVE N FARIBAULT, MN 55021 |
* | $ 285,774,000 | 1 | $ 245,000 |
| North Shore Bank of Commerce 131 WEST SUPERIOR STREET DULUTH, MN 55802 |
* | $ 399,856,000 | 1 | $ 185,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 205,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 205,000 |
| Community Development Bank, FSB 516 MAIN ST OGEMA, MN 56569 |
* | $ 195,942,000 | 1 | $ 65,000 |
| Premier Bank Minnesota 101 10TH ST E HASTINGS, MN 55033 |
* | $ 634,388,000 | 1 | $ 195,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Specialized Loan Servicing LLC 6200 S QUEBEC ST WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 225,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,154,561,000 | 1 | $ 55,000 |
| Community Resource Bank 1605 HERITAGE DRIVE NORTHFIELD, MN 55057 |
* | $ 375,385,000 | 1 | $ 255,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 315,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 245,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 205,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 75,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 505,000 |
| City National Bank 555 S FLOWER ST LOS ANGELES, CA 90071 |
* | $ 96,504,709,000 | 1 | $ 415,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 1,333,552,000 | 1 | $ 385,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 195,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 762,741,000 | 1 | $ 295,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 195,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,576,681,000 | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 235,000 |
| First National Community Bank 109 E. 2ND ST. PO BOX 89 NEW RICHMOND, WI 54017 |
* | $ 300,835,000 | 1 | $ 205,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ 1,208,524,000 | 1 | $ 355,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 1 | $ 75,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 977,048,000 | 1 | $ 515,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,789,159,000 | 1 | $ 545,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 91,580,361,000 | 1 | $ 255,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 185,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,991,835,000 | 1 | $ 1,205,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 105,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,670,754,000 | 1 | $ 285,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 255,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 270,427,000 | 1 | $ 345,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 165,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 325,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 1 | $ 595,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 465,755,000 | 1 | $ 185,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 95,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 185,000 |
| Flagship Bank Minnesota 1415 WAYZATA BLVD E WAYZATA, MN 55391 |
* | $ 305,797,000 | 1 | $ 195,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 365,000 |
| Citizens Independent Bank 5000 W 36TH ST SAINT LOUIS PARK, MN 55416 |
* | $ 360,735,000 | 1 | $ 205,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 265,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 125,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 95,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 95,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 335,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 1,964,850,000 | 1 | $ 55,000 |
The tables below break down 2023 mortgage applications in Kandiyohi 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 Kandiyohi County, MN 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 | 575 | $127,785,000 | $222,000 | $1,445,000 | $107,000 | $1,266,000 |
| Cash-out Refinancing | 106 | $31,450,000 | $296,000 | $13,855,000 | $81,000 | $274,000 |
| Other Purpose | 100 | $9,090,000 | $90,000 | $685,000 | $144,000 | $3,656,000 |
| Refinancing | 73 | $12,375,000 | $169,000 | $775,000 | $101,000 | $358,000 |
| Home Improvement | 54 | $4,130,000 | $76,000 | $305,000 | $147,000 | $614,000 |
| Not Applicable | 3 | $285,000 | $95,000 | $115,000 | $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 | 589 | $115,415,000 | $195,000 | $1,205,000 | $117,000 | $3,656,000 |
| Not Provided | 118 | $18,300,000 | $155,000 | $685,000 | $121,000 | $614,000 |
| Hispanic | 102 | $15,040,000 | $147,000 | $685,000 | $62,000 | $203,000 |
| Not applicable | 71 | $31,375,000 | $441,000 | $13,855,000 | $190,000 | $190,000 |
| Asian | 15 | $2,375,000 | $158,000 | $265,000 | $69,000 | $238,000 |
| Black or African American | 11 | $1,765,000 | $160,000 | $315,000 | $76,000 | $97,000 |
| American Indian or Alaskan Native | 2 | $230,000 | $115,000 | $195,000 | $78,000 | $100,000 |
| 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) | 705 | $144,765,000 | $205,000 | $13,855,000 | $120,000 | $3,656,000 |
| FHA-insured (Federal Housing Administration) | 147 | $27,165,000 | $184,000 | $415,000 | $66,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 39 | $10,025,000 | $257,000 | $505,000 | $86,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,160,000 | $158,000 | $255,000 | $71,000 | $116,000 |
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 | 571 | $127,265,000 | $222,000 | $13,855,000 | $123,000 | $3,656,000 |
| Loan Purchased By The Institution | 109 | $21,835,000 | $200,000 | $665,000 | $70,000 | $283,000 |
| Application Denied By Financial Institution | 98 | $13,420,000 | $136,000 | $775,000 | $83,000 | $420,000 |
| Application Withdrawn By Applicant | 87 | $16,255,000 | $186,000 | $1,205,000 | $99,000 | $480,000 |
| File Closed For Incompleteness | 31 | $4,415,000 | $142,000 | $375,000 | $66,000 | $128,000 |
| Application Approved But Not Accepted | 15 | $1,925,000 | $128,000 | $305,000 | $85,000 | $183,000 |
| 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 | 774 | $164,160,000 | $212,000 | $13,855,000 | $111,000 | $3,656,000 |
| Debt-To-Income Ratio | 75 | $13,075,000 | $174,000 | $955,000 | $111,000 | $1,099,000 |
| Credit History | 19 | $1,665,000 | $87,000 | $215,000 | $75,000 | $160,000 |
| Collateral | 18 | $1,690,000 | $93,000 | $215,000 | $96,000 | $274,000 |
| Credit Application Incomplete | 13 | $2,525,000 | $194,000 | $765,000 | $136,000 | $420,000 |
| Unverifiable Information | 7 | $1,395,000 | $199,000 | $415,000 | $89,000 | $192,000 |
| Other | 5 | $605,000 | $121,000 | $195,000 | $112,000 | $237,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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