Kauai County, HI Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 2,672 mortgage applications in Kauai County, HI totaling $1.1 billion, up 18% from 2015. The average application was for $420,000, and applicants reported an average income of $137,000. 53% of applications resulted in an originated loan and 23% were denied. The most active lender was loanDepot.com LLC, with 389 applications, followed by Wells Fargo Bank NA 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 2,672
Total Mortgage Loan Application Amount $1,123,784,000
Average Mortgage Loan Application Amount $420,000
Highest Mortgage Loan Application Amount $17,000,000
Average Applicant Income $137,000
Highest Applicant Income $8,081,000

Mortgage Company List for Lending in Kauai County, HI for 2016

* 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
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 389 $ 149,881,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 215 $ 107,432,000
First Hawaiian Bank
2339 KAMEHAMEHA HWY
HONOLULU, HI 96819
* $ 19,336,922,000 178 $ 71,583,000
Bank of Hawaii
130 MERCHANT ST SUITE 270
HONOLULU, HI 96813
* $ 15,474,430,000 148 $ 72,803,000
American Savings Bank
P O BOX 2300
HONOLULU, HI 96804
* $ 6,014,755,000 141 $ 45,274,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 121 $ 54,779,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 116 $ 48,197,000
Hawaii State Federal Credit Union
560 HALEKAUWILA STREET
HONOLULU, HI 96813
* $ 1,406,454,000 100 $ 2,373,000
Finance Factors Limited
1164 BISHOP STREET, SUITE 300
HONOLULU, HI 96813
* $ 527,022,000 76 $ 34,416,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 64 $ 26,507,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ 15,478,000 62 $ 27,665,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 48 $ 17,206,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 46 $ 24,782,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 44 $ 18,588,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 41 $ 16,490,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 38 $ 14,376,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 28 $ 12,084,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 26 $ 9,004,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 24 $ 9,458,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 22 $ 9,742,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 20 $ 8,501,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 19 $ 8,841,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 4,873,033,000 19 $ 5,155,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 18 $ 5,593,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 18 $ 15,256,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 17 $ 7,012,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 17 $ 9,315,000
Central Pacific Bank
P.O. BOX 3590
HONOLULU, HI 96813
* $ 5,105,999,000 17 $ 7,078,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 17 $ 8,546,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 16 $ 5,041,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 15 $ 5,037,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 14 $ 6,245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 13 $ 6,194,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 12 $ 3,634,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 12 $ 5,033,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 12 $ 4,912,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 11 $ 3,942,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 9 $ 4,674,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 9 $ 3,501,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 9 $ 4,038,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 8 $ 3,341,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 8 $ 11,451,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 8 $ 3,407,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 3,400,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ 10,000,000 8 $ 2,459,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 8 $ 2,873,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 8 $ 3,827,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 2,773,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 6,656,748,000 7 $ 2,098,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 6 $ 1,379,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 1,122,802,000 6 $ 2,892,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 6 $ 2,302,000
Honolulu Homeloans, Inc.
745 FORT STREET
HONOLULU, HI 96813
* $ 10,000,000 6 $ 3,347,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 6 $ 4,084,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 5 $ 5,383,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 52,653,111,000 5 $ 10,346,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 5 $ 1,138,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 5 $ 2,128,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 5 $ 2,073,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 5 $ 2,024,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 5 $ 2,102,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ 1,000,000,000 5 $ 2,827,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ 10,000,000 4 $ 2,197,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 4 $ 1,078,000
Territorial Savings Bank
PO BOX 1481
HONOLULU, HI 96806
* $ 1,821,138,000 4 $ 1,326,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 1,874,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 819,504,000 4 $ 1,733,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 104,109,000 4 $ 1,313,000
Compass Home Loans, LLC
1357 KAPIOLANI BLVD SUITE 1450
WILMINGTON, DE 96816
* $ 1,000,000 4 $ 1,960,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 58,981,285,000 4 $ 3,495,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 4 $ 1,149,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 4 $ 151,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 4 $ 3,309,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,251,539,000 4 $ 3,015,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 3 $ 1,219,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 139,069,000,000 3 $ 2,019,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,949,868,000 3 $ 954,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 3 $ 1,275,000
Mortgage Capital Associates, Inc.
11150 W OYMPIC BLVD. STE. 1160
LOS ANGELES, CA 90064
* $ 10,000,000 3 $ 1,229,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 3 $ 1,239,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 999,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ 10,000,000 3 $ 875,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 341,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 2 $ 1,028,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 2 $ 486,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 23,375,286,000 2 $ 789,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 35,716,797,000 2 $ 2,000,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 850,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 3,272,942,000 2 $ 1,942,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 2 $ 91,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 393,454,000 2 $ 1,046,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 2,173,990,000 2 $ 490,000
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 2 $ 966,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 4,357,292,000 1 $ 216,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 1 $ 182,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ 963,571,000 1 $ 126,000
Aloha Pacific Federal Credit Union
832 SOUTH HOTEL STREET
HONOLULU, HI 96816
* $ 753,818,000 1 $ 15,000
Capital Educators Fed CU
PO BOX 570 (275 S STRATFORD DR)
MERIDIAN, ID 83680
* $ 491,647,000 1 $ 626,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 1 $ 344,000
Wilmington Savings Fund Society, FSB
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 5,576,439,000 1 $ 510,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 18,900,720,000 1 $ 380,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 23,381,220,000 1 $ 520,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 134,695,000,000 1 $ 900,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 15,972,565,000 1 $ 1,172,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 5,592,561,000 1 $ 447,000
Citizens Business Bank, NA
701 N HAVEN AVE
ONTARIO, CA 91764
* $ 7,664,519,000 1 $ 1,923,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 426,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 947,219,000 1 $ 151,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 114,257,000 1 $ 395,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 8,673,604,000 1 $ 225,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,358,315,000 1 $ 35,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 7,857,994,000 1 $ 404,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 100,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,236,717,000 1 $ 1,075,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 1 $ 320,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
REDONDO BEACH, CA 90278
* $ 8,000,000 1 $ 220,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ 63,320,000 1 $ 609,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 104,121,677,000 1 $ 880,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 118,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 320,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 425,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 9,067,390,000 1 $ 990,000
Skyline Financial Corp.
27001 AGOURA ROAD STE. 350
CALABASAS, CA 91301
* $ 10,000,000 1 $ 331,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 397,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 1 $ 17,000,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 7,606,000 1 $ 1,135,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 2,698,563,000 1 $ 225,000
Citizens Bancshares of Woodville, Inc.
375 STAGELINE RD PO BOX 247
HUDSON, WI 54016
* $ 157,033,000 1 $ 150,000
First California Mortgage Co., Inc.
1400 N MCDOWELL BLVD, SUITE 300
PETALUMA, CA 94954
* $ 10,000,000 1 $ 348,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 794,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 447,000
Central Bank of the Midwest
609 N. HIGHWAY 291
LEE'S SUMMIT, MO 64063
* $ 1,577,147,000 1 $ 1,075,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 577,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ 1,300,000 1 $ 380,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 200,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 217,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ 10,000,000 1 $ 600,000
State Bank of the Lakes
440 LAKE ST
ANTIOCH, IL 60002
* $ 1,008,547,000 1 $ 368,000
Eagle Bank and Trust Company O
10596 HIGHWAY 21, P.O. BOX 680
HILLSBORO, MO 63050
* $ 906,701,000 1 $ 1,200,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 1 $ 40,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 250,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 364,000

The tables below break down 2016 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 2016

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 1,512 $631,041,000 $417,000 $17,000,000 $113,000 $4,024,000
Home Purchase 948 $455,066,000 $480,000 $6,000,000 $185,000 $8,081,000
Home Improvement 212 $37,677,000 $177,000 $2,300,000 $100,000 $619,000

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 1,252 $569,144,000 $454,000 $4,950,000 $170,000 $8,081,000
Asian 553 $189,641,000 $342,000 $1,475,000 $104,000 $727,000
Not Provided 349 $145,273,000 $416,000 $6,000,000 $155,000 $3,544,000
Native Hawaiin or Other Pacific Islander 278 $94,951,000 $341,000 $1,350,000 $85,000 $303,000
Hispanic 103 $39,174,000 $380,000 $2,000,000 $90,000 $553,000
Not applicable 96 $68,030,000 $708,000 $17,000,000 $34,000 $482,000
American Indian or Alaskan Native 22 $7,960,000 $361,000 $959,000 $121,000 $439,000
Black or African American 19 $9,611,000 $505,000 $1,400,000 $158,000 $997,000

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) 2,132 $908,352,000 $426,000 $17,000,000 $155,000 $8,081,000
VA-guaranteed (Veterans Administration) 290 $120,859,000 $416,000 $932,000 $64,000 $384,000
FHA-insured (Federal Housing Administration) 208 $78,442,000 $377,000 $714,000 $68,000 $600,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $16,131,000 $384,000 $540,000 $81,000 $146,000

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 1,413 $611,511,000 $432,000 $17,000,000 $156,000 $8,081,000
Application Denied By Financial Institution 609 $242,761,000 $398,000 $3,575,000 $104,000 $1,783,000
Application Withdrawn By Applicant 313 $137,021,000 $437,000 $6,000,000 $151,000 $4,024,000
Loan Purchased By The Institution 147 $61,631,000 $419,000 $1,509,000 $73,000 $717,000
File Closed For Incompleteness 121 $48,671,000 $402,000 $1,440,000 $118,000 $672,000
Application Approved But Not Accepted 69 $22,189,000 $321,000 $1,475,000 $156,000 $1,500,000
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 87 $41,757,000 $479,000 $1,375,000 $98,000 $572,000
Collateral 52 $22,006,000 $423,000 $3,575,000 $182,000 $1,783,000
Credit Application Incomplete 38 $16,062,000 $422,000 $3,000,000 $106,000 $695,000
Credit History 36 $13,909,000 $386,000 $975,000 $125,000 $569,000
Other 36 $14,504,000 $402,000 $1,105,000 $150,000 $1,500,000
Unverifiable Information 16 $7,588,000 $474,000 $981,000 $116,000 $309,000
Insufficient Cash (Downpayment, Closing Cost) 9 $5,706,000 $634,000 $1,356,000 $312,000 $1,214,000
Employment History 3 $1,353,000 $451,000 $540,000 $71,000 $132,000
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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