Kauai County, HI Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 2,293 mortgage applications in Kauai County, HI totaling $1.0 billion, down 14% from 2016. The average application was for $454,000, and applicants reported an average income of $166,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was First Hawaiian Bank, with 190 applications, followed by Wells Fargo Bank NA and Bank of Hawaii.

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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 2,293
Total Mortgage Loan Application Amount $1,041,452,000
Average Mortgage Loan Application Amount $454,000
Highest Mortgage Loan Application Amount $5,500,000
Average Applicant Income $166,000
Highest Applicant Income $4,125,000

Mortgage Company List for Lending in Kauai County, HI for 2017

* 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
First Hawaiian Bank
2339 KAMEHAMEHA HWY
HONOLULU, HI 96819
* $ 19,610,998,000 190 $ 84,512,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 189 $ 120,814,000
Bank of Hawaii
130 MERCHANT ST SUITE 270
HONOLULU, HI 96813
* $ 16,465,626,000 164 $ 84,846,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 129 $ 54,166,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 119 $ 51,340,000
American Savings Bank
P O BOX 2300
HONOLULU, HI 96804
* $ 6,421,357,000 104 $ 36,405,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 82 $ 35,204,000
Hawaii State Federal Credit Union
560 HALEKAUWILA STREET
HONOLULU, HI 96813
* $ 1,477,911,000 67 $ 1,253,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 61 $ 26,016,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 56 $ 23,019,000
Finance Factors Limited
1164 BISHOP STREET, SUITE 300
HONOLULU, HI 96813
* $ 573,220,000 47 $ 18,153,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 45 $ 19,719,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 37 $ 19,283,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 36 $ 26,963,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 34 $ 15,086,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 34 $ 27,986,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 34 $ 13,584,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 29 $ 11,726,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 6,200,289,000 29 $ 9,794,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 29 $ 9,758,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ -1,000 28 $ 12,656,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 27 $ 13,082,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 24 $ 19,787,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 22 $ 10,465,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 22 $ 12,551,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 22 $ 10,171,000
Central Pacific Bank
P.O. BOX 3590
HONOLULU, HI 96813
* $ 5,374,620,000 21 $ 10,827,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ 0 17 $ 5,931,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 16 $ 4,862,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 13 $ 6,869,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 13 $ 6,517,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 13 $ 4,134,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 6,788,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 12 $ 4,382,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 12 $ 6,663,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 12 $ 7,200,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 12 $ 4,547,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 4,956,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 11 $ 3,875,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 11 $ 3,049,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 9 $ 3,544,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 9 $ 1,819,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 8 $ 2,561,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 8 $ 3,111,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 7 $ 3,537,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 7 $ 2,168,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 6 $ 3,202,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 6 $ 2,279,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 6 $ 2,136,000
Skyline Financial Corp.
27001 AGOURA ROAD STE. 350
CALABASAS, CA 91301
* $ -1,000 6 $ 2,674,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 3,651,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 73,277,772,000 6 $ 10,856,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 5 $ 1,496,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 2,403,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 5 $ 1,266,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 5 $ 2,687,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 131,174,000 4 $ 3,492,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 630,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 4 $ 1,580,000
Honolulu Homeloans, Inc.
745 FORT STREET
HONOLULU, HI 96813
* $ -1,000 4 $ 1,893,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 1,355,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 4 $ 1,538,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 175,715,000,000 4 $ 2,460,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 52,958,000,000 3 $ 1,184,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 1,215,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
REDONDO BEACH, CA 90278
* $ -1,000 3 $ 1,401,000
Ohana Pacific Bank
1357 KAPIOLANI BLVD STE 102
HONOLULU, HI 96814
* $ -1,000 3 $ 491,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 8,162,097,000 3 $ 1,521,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 3 $ 1,836,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,027,051,000 3 $ 1,382,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ -1,000 3 $ 1,239,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 0 3 $ 4,197,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 3 $ 166,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 1,430,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 42,230,654,000 2 $ 1,944,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,850,010,000 2 $ 1,102,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 2 $ 511,000
Arvest Bank

TULSA, OK 74103
* $ 16,686,060,000 2 $ 742,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 21,301,361,000 2 $ 1,485,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 2 $ 1,444,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98206
* $ 740,467,000 2 $ 1,120,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 2 $ 844,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 898,000
Mason McDuffie Mortgage Corporation
2010 CROW CANYON PLACE STE 400
SAN RAMON, CA 94583
* $ -1,000 2 $ 734,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 566,756,000 2 $ 1,352,000
First California Mortgage Co., Inc.
1400 N MCDOWELL BLVD, SUITE 300
PETALUMA, CA 94954
* $ -1,000 2 $ 900,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 2 $ 990,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ -1,000 2 $ 379,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 106,169,829,000 2 $ 1,381,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 24,798,295,000 2 $ 593,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 2 $ 65,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 2 $ 943,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 589,000
Mortgage Capital Associates, Inc.
11150 W OYMPIC BLVD. STE. 1160
LOS ANGELES, CA 90064
* $ -1,000 2 $ 565,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 501,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 670,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 540,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 2 $ 819,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 2 $ 979,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,456,661,000 1 $ 174,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,767,095,000 1 $ 125,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 1 $ 350,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,186,502,000 1 $ 180,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 475,000
Marriott Employees' Federal Credit Union
P.O. BOX 6006
BETHESDA, MD 20827
* $ 175,415,000 1 $ 50,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 116,939,799,000 1 $ 130,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ -1,000 1 $ 365,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 218,000
Idaho Independent Bank
1260 W RIVERSTONE DR
COEUR D ALENE, ID 83814
* $ 619,212,000 1 $ 400,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 889,006,000 1 $ 275,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ -1,000 1 $ 298,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 580,000
Flatirons Bank
1095 CANYON BLVD., SUITE 100
BOULDER, CO 80302
* $ 136,587,000 1 $ 846,000
Credit Union 1
1941 ABBOTT RD
ANCHORAGE, AK 99507
* $ 992,212,000 1 $ 41,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 336,000
International City Mortgage, Inc.
333 S ANITA DR, STE 300
ORANGE, CA 92868
* $ -1,000 1 $ 550,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 1 $ 299,000
Territorial Savings Bank
PO BOX 1481
HONOLULU, HI 96806
* $ 1,877,547,000 1 $ 181,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 46,120,923,000 1 $ 1,100,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 485,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ 1,014,595,000 1 $ 298,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 5,664,658,000 1 $ 300,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,631,667,000 1 $ 146,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 1 $ 424,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 24,452,112,000 1 $ 840,000
Hawaiian Financial Federal Credit Union
1138 NORTH KING STREET
HONOLULU, HI 96817
* $ 600,122,000 1 $ 512,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 29,874,612,000 1 $ 660,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ 1,000,553,000 1 $ 847,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 56,935,844,000 1 $ 550,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,508,908,000 1 $ 967,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 980,000
Lokahi Federal Credit Union
PO BOX 30025
HONOLULU, HI 96820
* $ 565,095,000 1 $ 355,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 1 $ 25,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 18,938,350,000 1 $ 1,256,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 4,482,670,000 1 $ 710,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 298,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 195,406,000 1 $ 371,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 973,152,000 1 $ 495,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 8,820,887,000 1 $ 266,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 1 $ 550,000

The tables below break down 2017 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 2017

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 1,069 $543,769,000 $508,000 $5,500,000 $201,000 $4,125,000
Refinancing 1,019 $448,648,000 $440,000 $4,846,000 $137,000 $3,349,000
Home Improvement 205 $49,035,000 $239,000 $1,248,000 $130,000 $1,620,000

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 1,069 $544,574,000 $509,000 $4,500,000 $211,000 $4,125,000
Asian 416 $149,975,000 $360,000 $1,388,000 $115,000 $1,109,000
Not Provided 373 $154,540,000 $414,000 $1,925,000 $174,000 $3,349,000
Native Hawaiian or Other Pacific Islander 208 $75,315,000 $362,000 $1,500,000 $94,000 $584,000
Hispanic 116 $49,979,000 $430,000 $2,400,000 $149,000 $1,620,000
Not applicable 76 $48,456,000 $637,000 $5,500,000 $11,000 $194,000
American Indian or Alaskan Native 21 $10,024,000 $477,000 $2,200,000 $161,000 $1,096,000
Black or African American 14 $8,589,000 $613,000 $1,349,000 $183,000 $988,000

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) 1,849 $850,586,000 $460,000 $5,500,000 $187,000 $4,125,000
FHA-insured (Federal Housing Administration) 204 $80,575,000 $394,000 $725,000 $78,000 $224,000
VA-guaranteed (Veterans Administration) 195 $92,354,000 $473,000 $1,156,000 $86,000 $1,692,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 45 $17,937,000 $398,000 $574,000 $80,000 $127,000

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 1,298 $586,023,000 $451,000 $5,500,000 $175,000 $3,349,000
Application Denied By Financial Institution 374 $166,074,000 $444,000 $4,300,000 $148,000 $2,033,000
Application Withdrawn By Applicant 326 $154,671,000 $474,000 $4,500,000 $199,000 $4,125,000
Loan Purchased By The Institution 119 $52,329,000 $439,000 $1,468,000 $86,000 $1,215,000
File Closed For Incompleteness 116 $54,053,000 $465,000 $4,846,000 $140,000 $1,692,000
Application Approved But Not Accepted 60 $28,302,000 $471,000 $3,292,000 $127,000 $716,000
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 68 $36,431,000 $535,000 $4,300,000 $119,000 $1,003,000
Collateral 58 $26,631,000 $459,000 $2,400,000 $177,000 $866,000
Other 38 $16,295,000 $428,000 $2,160,000 $222,000 $2,033,000
Credit Application Incomplete 37 $15,496,000 $418,000 $1,030,000 $103,000 $487,000
Credit History 32 $11,861,000 $370,000 $861,000 $153,000 $530,000
Unverifiable Information 9 $5,440,000 $604,000 $1,340,000 $360,000 $1,890,000
Insufficient Cash (Downpayment, Closing Cost) 8 $3,000,000 $375,000 $1,000,000 $151,000 $374,000
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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