Kauai County, HI Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 2,264 mortgage applications in Kauai County, HI totaling $962.9 million, up 22% from 2014. The average application was for $425,000, and applicants reported an average income of $161,000. 55% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 260 applications, followed by loanDepot.com LLC and First Hawaiian Bank.

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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 2,264
Total Mortgage Loan Application Amount $962,899,000
Average Mortgage Loan Application Amount $425,000
Highest Mortgage Loan Application Amount $5,600,000
Average Applicant Income $161,000
Highest Applicant Income $8,251,000

Mortgage Company List for Lending in Kauai County, HI for 2015

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 260 $ 118,071,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 232 $ 90,574,000
First Hawaiian Bank
2339 KAMEHAMEHA HWY
HONOLULU, HI 96819
* $ 18,117,858,000 193 $ 86,318,000
American Savings Bank
P O BOX 2300
HONOLULU, HI 96804
* $ 5,565,241,000 174 $ 60,983,000
Bank of Hawaii
130 MERCHANT ST SUITE 270
HONOLULU, HI 96813
* $ 14,832,459,000 139 $ 55,764,000
Hawaii State Federal Credit Union
560 HALEKAUWILA STREET
HONOLULU, HI 96813
* $ 1,351,905,000 101 $ 2,772,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 70 $ 27,665,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 53 $ 23,928,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 47 $ 32,569,000
Finance Factors Limited
1164 BISHOP STREET, SUITE 300
HONOLULU, HI 96813
* $ 486,548,000 43 $ 18,847,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 34 $ 20,396,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 34 $ 12,414,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 31 $ 10,382,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 31 $ 12,154,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 26 $ 18,996,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 91,256,000 26 $ 10,403,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ 15,478,000 25 $ 9,393,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 3,513,885,000 23 $ 7,429,000
First California Mortgage Co., Inc.
1400 N MCDOWELL BLVD, SUITE 300
PETALUMA, CA 94954
* $ 10,000,000 22 $ 7,412,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 21 $ 9,154,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 21 $ 11,390,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 21 $ 25,395,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 19 $ 6,543,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 16 $ 6,282,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 16 $ 6,153,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 15 $ 5,643,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 15 $ 5,388,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 14 $ 4,604,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 14 $ 5,172,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 13 $ 4,476,000
Central Pacific Bank
P.O. BOX 3590
HONOLULU, HI 96813
* $ 4,826,837,000 13 $ 5,487,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 12 $ 4,682,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 11 $ 14,435,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 11 $ 5,952,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 11 $ 4,209,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 10 $ 3,616,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 10 $ 4,029,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 9 $ 3,834,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 9 $ 4,066,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 8 $ 3,286,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 8 $ 3,370,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 7 $ 2,775,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 2,667,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 48,481,911,000 6 $ 4,060,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 48,353,330,000 6 $ 4,240,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 6 $ 2,310,000
Territorial Savings Bank
PO BOX 1481
HONOLULU, HI 96806
* $ 1,691,911,000 6 $ 1,290,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 6 $ 2,696,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 6 $ 2,331,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 6 $ 2,771,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 6 $ 2,146,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 6 $ 2,826,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 5 $ 2,088,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 5 $ 1,780,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 5 $ 2,461,000
Honolulu Homeloans, Inc.
745 FORT STREET
HONOLULU, HI 96813
* $ 10,000,000 5 $ 1,704,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 5,190,392,000 4 $ 4,725,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 1,140,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 4 $ 1,487,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ 10,000,000 4 $ 1,216,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 2,039,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 1,409,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 1,220,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ 10,000,000 3 $ 390,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 295,627,000 3 $ 3,432,000
Compass Home Loans, LLC
1357 KAPIOLANI BLVD SUITE 1450
WILMINGTON, DE 96816
* $ 1,000,000 3 $ 1,394,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ 10,000,000 3 $ 829,000
International City Mortgage, Inc.
333 S ANITA DR, STE 300
ORANGE, CA 92868
* $ 2,589,000 3 $ 1,859,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ 1,000,000,000 3 $ 1,442,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 3 $ 50,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 3 $ 969,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 1,141,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 3 $ 1,370,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 20,938,997,000 3 $ 8,496,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 3 $ 3,752,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 3 $ 1,185,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 22,612,839,000 2 $ 3,295,000
MUFG Union Bank, National Association
9865 TOWNE CENTRE DRIVE, 3RD FLOOR
SAN DIEGO, CA 92121
* $ 113,120,106,000 2 $ 6,000,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 32,314,043,000 2 $ 1,943,000
Mortgage Capital Associates, Inc.
11150 W OYMPIC BLVD. STE. 1160
LOS ANGELES, CA 90064
* $ 10,000,000 2 $ 1,320,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 727,505,000 2 $ 813,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 966,271,000 2 $ 1,069,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 104,474,692,000 2 $ 1,833,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 910,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 2 $ 1,175,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,458,381,000 2 $ 2,205,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 2 $ 663,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 968,312,000 2 $ 870,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 2 $ 1,529,000
Aloha Pacific Federal Credit Union
832 SOUTH HOTEL STREET
HONOLULU, HI 96816
* $ 745,432,000 2 $ 540,000
Idaho Independent Bank
1260 W RIVERSTONE DR
COEUR D ALENE, ID 83814
* $ 530,655,000 2 $ 672,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 999,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 329,263,000 2 $ 1,054,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 2 $ 954,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 1,171,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 2 $ 1,050,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 534,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 609,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 327,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 1 $ 2,211,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,629,251,000 1 $ 165,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 7,200,520,000 1 $ 300,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 353,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 182,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 707,588,000 1 $ 417,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 341,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,244,310,000 1 $ 1,142,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 1,486,554,000 1 $ 500,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,096,436,000 1 $ 206,000
Lokahi Federal Credit Union
PO BOX 30025
HONOLULU, HI 96820
* $ 536,988,000 1 $ 3,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,167,901,000 1 $ 1,000,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 452,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 64,000
First Foundation Bank
18101 VON KARMAN AVENUE, SUITE 750
IRVINE, CA 92612
* $ 1,352,172,000 1 $ 600,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 349,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ 10,000,000 1 $ 813,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 709,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ 10,000,000 1 $ 221,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,672,142,000 1 $ 1,100,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 358,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 540,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 156,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,047,499,000 1 $ 247,000
Directors Financial Group
11 CUSHING, STE 250
IRVINE, CA 92618
* $ 100,000,000 1 $ 350,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ 40,000,000 1 $ 370,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,107,751,000 1 $ 136,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 306,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 111,278,000,000 1 $ 743,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 8,131,822,000 1 $ 250,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 1 $ 310,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 183,453,000 1 $ 543,000
Skyline Financial Corp.
27001 AGOURA ROAD STE. 350
CALABASAS, CA 91301
* $ 10,000,000 1 $ 250,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 356,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 69,310,249,000 1 $ 1,575,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 1 $ 1,725,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 1 $ 100,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 1 $ 141,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 118,214,000,000 1 $ 2,000,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 13,563,392,000 1 $ 1,192,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 253,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 1 $ 955,000

The tables below break down 2015 mortgage applications in Kauai County, HI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Kauai County, HI in 2015

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 1,230 $504,590,000 $410,000 $4,846,000 $138,000 $4,205,000
Home Purchase 864 $421,428,000 $487,000 $5,600,000 $204,000 $8,251,000
Home Improvement 170 $36,881,000 $216,000 $3,000,000 $111,000 $1,120,000

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 1,113 $530,463,000 $476,000 $5,600,000 $206,000 $8,251,000
Asian 436 $139,962,000 $321,000 $1,268,000 $104,000 $762,000
Not Provided 287 $125,582,000 $437,000 $3,500,000 $182,000 $5,917,000
Native Hawaiian or Other Pacific Islander 194 $58,015,000 $299,000 $850,000 $84,000 $504,000
Not applicable 120 $67,469,000 $562,000 $4,846,000 $97,000 $3,889,000
Hispanic 85 $30,301,000 $356,000 $1,506,000 $90,000 $311,000
Black or African American 17 $6,656,000 $391,000 $710,000 $101,000 $259,000
American Indian or Alaskan Native 12 $4,451,000 $370,000 $717,000 $87,000 $193,000

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) 1,898 $815,190,000 $429,000 $5,600,000 $180,000 $8,251,000
VA-guaranteed (Veterans Administration) 169 $72,242,000 $427,000 $1,000,000 $59,000 $265,000
FHA-insured (Federal Housing Administration) 153 $58,826,000 $384,000 $2,211,000 $68,000 $419,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 44 $16,641,000 $378,000 $654,000 $72,000 $145,000

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 1,249 $541,081,000 $433,000 $5,600,000 $172,000 $6,093,000
Application Denied By Financial Institution 463 $188,549,000 $407,000 $3,322,000 $134,000 $3,000,000
Application Withdrawn By Applicant 263 $113,608,000 $431,000 $3,250,000 $161,000 $1,881,000
Loan Purchased By The Institution 151 $61,069,000 $404,000 $1,997,000 $58,000 $983,000
File Closed For Incompleteness 77 $34,573,000 $449,000 $2,356,000 $353,000 $8,251,000
Application Approved But Not Accepted 61 $24,019,000 $393,000 $975,000 $153,000 $429,000
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
Debt-To-Income Ratio 99 $48,833,000 $493,000 $3,322,000 $128,000 $3,000,000
Collateral 82 $33,998,000 $414,000 $1,750,000 $195,000 $1,500,000
Other 35 $15,100,000 $431,000 $955,000 $195,000 $943,000
Credit History 27 $9,819,000 $363,000 $960,000 $96,000 $264,000
Credit Application Incomplete 26 $9,856,000 $379,000 $956,000 $107,000 $283,000
Unverifiable Information 11 $7,028,000 $638,000 $2,125,000 $308,000 $1,455,000
Insufficient Cash (Downpayment, Closing Cost) 9 $5,364,000 $596,000 $1,500,000 $225,000 $1,080,000
Employment History 2 $788,000 $394,000 $516,000 $107,000 $141,000
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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