Kauai County, HI Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 2,848 mortgage applications in Kauai County, HI totaling $1.2 billion, up 24% from 2017. The average application was for $436,000, and applicants reported an average income of $187,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was American Savings Bank, with 391 applications, followed by First Hawaiian Bank and Bank of Hawaii.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Hawaii.
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 2,848
Total Mortgage Loan Application Amount $1,243,940,000
Average Mortgage Loan Application Amount $436,000
Highest Mortgage Loan Application Amount $11,265,000
Average Applicant Income $187,000
Highest Applicant Income $9,901,000

Mortgage Company List for Lending in Kauai County, HI for 2018

* 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
American Savings Bank
P O BOX 2300
HONOLULU, HI 96804
* $ 6,798,659,000 391 $ 105,135,000
First Hawaiian Bank
2339 KAMEHAMEHA HWY
HONOLULU, HI 96819
* $ 20,552,225,000 343 $ 124,745,000
Bank of Hawaii
130 MERCHANT ST SUITE 270
HONOLULU, HI 96813
* $ 17,061,704,000 342 $ 115,000,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 160 $ 85,800,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 105 $ 44,245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 101 $ 47,245,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 94 $ 41,030,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 84 $ 41,930,000
Central Pacific Bank
P.O. BOX 3590
HONOLULU, HI 96813
* $ 5,613,751,000 65 $ 18,605,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 64 $ 68,440,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 57 $ 26,035,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 56 $ 26,720,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 36 $ 28,440,000
Finance Factors Limited
1164 BISHOP STREET, SUITE 300
HONOLULU, HI 96813
* $ 566,373,000 35 $ 17,025,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 32 $ 16,710,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 31 $ 15,335,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 30 $ 38,410,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 28 $ 12,850,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 24 $ 9,980,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 6,700,442,000 23 $ 10,595,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 23 $ 9,435,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 22 $ 8,410,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 20 $ 11,120,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 20 $ 7,850,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 19 $ 6,385,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 18 $ 6,590,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 16 $ 2,720,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 4,835,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 14 $ 1,000,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 6,710,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 6,940,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 14 $ 7,180,000
Hawaii State Federal Credit Union
560 HALEKAUWILA STREET
HONOLULU, HI 96813
* $ 1,536,742,000 14 $ 2,940,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 14 $ 5,850,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 13 $ 5,975,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 12 $ 5,550,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 12 $ 5,900,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 12 $ 6,130,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 4,870,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 12 $ 5,260,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 11 $ 4,685,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 4,320,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 10 $ 3,540,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 47,934,212,000 9 $ 17,885,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 87,780,507,000 8 $ 16,160,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 53,495,452,000 8 $ 9,950,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 3,280,000
Honolulu Homeloans, Inc.
745 FORT STREET
HONOLULU, HI 96813
* $ -1,000 8 $ 2,710,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 6 $ 2,260,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 6 $ 2,720,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 6 $ 2,190,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 8,908,994,000 5 $ 4,605,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 2,415,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 5 $ 1,965,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 5 $ 2,285,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 198,592,000,000 5 $ 2,355,000
International City Mortgage, Inc.
333 S ANITA DR, STE 300
ORANGE, CA 92868
* $ -1,000 5 $ 2,585,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ -1,000 4 $ 2,720,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 4 $ 1,140,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 4 $ 2,410,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 4 $ 1,950,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 4 $ 1,660,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 4 $ 1,150,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 4 $ 2,390,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 3,610,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 785,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 3 $ 975,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 3 $ 1,015,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 905,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 3,163,380,000 3 $ 2,445,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 3 $ 1,965,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 905,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 3 $ 485,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,364,710,000 3 $ 1,945,000
Athas Capital Group, Inc.
27001 AGOURA ROAD, STE. 200
CALABASAS, CA 91301
* $ -1,000 3 $ 1,265,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 2 $ 790,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 510,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 15,286,549,000 2 $ 910,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 1,190,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 1,030,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 850,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 790,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 670,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 2 $ 870,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ -1,000 2 $ 830,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,564,075,000 2 $ 1,150,000
First Utah Bank
3826 S 2300 E
SALT LAKE CITY, UT 84109
* $ 336,360,000 2 $ 1,190,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 2 $ 990,000
Compass Home Loans, LLC
1357 KAPIOLANI BLVD SUITE 1450
WILMINGTON, DE 96816
* $ -1,000 2 $ 810,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 690,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 1,110,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 2 $ 890,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 530,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 2 $ 890,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 860,000
Maui County Federal Credit Union
1888 WILI PA LOOP
WAILUKU, HI 96793
* $ 317,169,000 2 $ 340,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 2 $ 1,660,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 1,030,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 2 $ 110,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 21,557,938,000 2 $ 1,930,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 1,590,000
Territorial Savings Bank
PO BOX 1481
HONOLULU, HI 96806
* $ 2,003,752,000 1 $ 345,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 715,005,000 1 $ 605,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 1 $ 45,000
Farmers State Bank
131 TOWER PARK DRIVE SUITE 100
WATERLOO, IA 50701
* $ 954,308,000 1 $ 1,325,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 295,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ -1,000 1 $ 575,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 445,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 775,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 25,711,323,000 1 $ 605,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 275,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 6,681,526,000 1 $ 255,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 251,259,000 1 $ 235,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 23,949,542,000 1 $ 4,845,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 1 $ 95,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 305,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 4,510,197,000 1 $ 275,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 345,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 445,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 65,127,000,000 1 $ 455,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 1 $ 635,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 485,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 315,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 1,258,677,000 1 $ 135,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 415,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 12,705,766,000 1 $ 665,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 718,393,000 1 $ 515,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 1 $ 505,000
Altabank
33 E MAIN
AMERICAN FORK, UT 84003
* $ 2,123,382,000 1 $ 955,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 1,105,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 260,106,000 1 $ 475,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 105,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 40,746,561,000 1 $ 775,000
Anb Bank
3033 E 1ST AVENUE
DENVER, CO 80206
* $ 2,627,659,000 1 $ 275,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 1 $ 315,000
First National Bank
125 WEST SIOUX AVE
PIERRE, SD 57501
* $ 968,347,000 1 $ 715,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 180,371,724,000 1 $ 675,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 695,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 2,856,018,000 1 $ 545,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 1 $ 325,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 20,351,074,000 1 $ 1,345,000

The tables below break down 2018 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 2018

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 1,223 $655,025,000 $535,000 $7,205,000 $242,000 $9,901,000
Refinancing 524 $215,120,000 $410,000 $11,265,000 $145,000 $1,990,000
Cash-out Refinancing 473 $204,795,000 $432,000 $8,005,000 $118,000 $2,264,000
Home Improvement 355 $68,455,000 $192,000 $1,005,000 $136,000 $2,604,000
Other Purpose 254 $94,340,000 $371,000 $10,005,000 $210,000 $5,571,000
Not Applicable 19 $6,205,000 $326,000 $865,000 $68,000 $104,000

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 1,296 $613,710,000 $473,000 $5,855,000 $240,000 $9,901,000
Asian 585 $198,795,000 $339,000 $1,275,000 $123,000 $1,990,000
Not Provided 428 $179,910,000 $420,000 $8,005,000 $177,000 $2,687,000
Native Hawaiian or Other Pacific Islander 201 $67,695,000 $336,000 $1,315,000 $104,000 $641,000
Not applicable 118 $103,810,000 $879,000 $11,265,000 $126,000 $366,000
Hispanic 108 $41,660,000 $385,000 $1,435,000 $154,000 $1,169,000
American Indian or Alaskan Native 21 $8,195,000 $390,000 $725,000 $131,000 $357,000
Black or African American 12 $6,150,000 $512,000 $1,505,000 $89,000 $136,000

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) 2,472 $1,076,750,000 $435,000 $11,265,000 $198,000 $9,901,000
FHA-insured (Federal Housing Administration) 207 $86,395,000 $417,000 $725,000 $93,000 $335,000
VA-guaranteed (Veterans Administration) 132 $63,360,000 $480,000 $1,085,000 $102,000 $336,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 37 $17,435,000 $471,000 $995,000 $100,000 $211,000

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 1,591 $709,245,000 $445,000 $11,265,000 $184,000 $4,363,000
Application Denied By Financial Institution 566 $203,060,000 $358,000 $8,005,000 $127,000 $2,604,000
Application Withdrawn By Applicant 369 $174,775,000 $473,000 $5,005,000 $266,000 $9,184,000
Loan Purchased By The Institution 171 $78,855,000 $461,000 $1,255,000 $164,000 $1,264,000
File Closed For Incompleteness 93 $49,685,000 $534,000 $10,005,000 $177,000 $907,000
Application Approved But Not Accepted 58 $28,320,000 $488,000 $5,005,000 $350,000 $9,901,000
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 2,253 $1,026,245,000 $455,000 $11,265,000 $202,000 $9,901,000
Debt-To-Income Ratio 267 $105,805,000 $396,000 $5,855,000 $105,000 $1,388,000
Collateral 137 $48,745,000 $355,000 $8,005,000 $137,000 $664,000
Credit History 82 $18,870,000 $230,000 $755,000 $144,000 $2,604,000
Credit Application Incomplete 37 $15,765,000 $426,000 $1,955,000 $185,000 $1,371,000
Other 35 $15,125,000 $432,000 $1,705,000 $205,000 $960,000
Unverifiable Information 26 $7,980,000 $306,000 $695,000 $131,000 $360,000
Insufficient Cash (Downpayment, Closing Cost) 7 $3,765,000 $537,000 $1,385,000 $132,000 $252,000
Employment History 4 $1,640,000 $410,000 $475,000 $87,000 $106,000
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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