Kay County, OK Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,160 mortgage applications in Kay County, OK totaling $106.3 million, down 19% from 2013. The average application was for $91,000, and applicants reported an average income of $58,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was Rcb Bank, with 138 applications, followed by First National Bank of Oklahoma and Wells Fargo 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 | 1,160 |
| Total Mortgage Loan Application Amount | $106,329,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $5,793,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $460,000 |
* 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 |
|---|---|---|---|---|
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 2,117,597,000 | 138 | $ 12,457,000 |
| First National Bank of Oklahoma 10900 HEFNER POINTE DRIVE OKLAHOMA CITY, OK 73120 |
* | $ 279,070,000 | 104 | $ 6,413,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 74 | $ 7,766,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 6,020,216,000 | 67 | $ 3,473,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 45 | $ 4,716,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 41 | $ 1,844,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 38 | $ 3,435,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 36 | $ 4,206,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 32 | $ 3,828,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 31 | $ 2,272,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 30 | $ 3,617,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 27 | $ 2,647,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 26 | $ 7,410,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 22 | $ 1,807,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 19 | $ 1,995,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 17 | $ 1,635,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 17 | $ 1,321,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 873,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 321,888,000 | 16 | $ 468,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 1,683,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 3,138,548,000 | 14 | $ 298,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 591,462,000 | 13 | $ 250,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 13 | $ 998,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,081,085,000 | 11 | $ 78,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 11 | $ 1,215,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 988,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 9 | $ 1,186,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 534,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 9 | $ 941,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 728,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 522,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 6 | $ 497,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 5 | $ 406,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 5 | $ 978,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 766,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 5 | $ 345,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 309,135,000 | 5 | $ 449,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 5 | $ 533,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 5 | $ 514,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 106,835,000 | 5 | $ 426,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 4 | $ 226,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 4 | $ 391,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 316,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 110,494,000 | 4 | $ 226,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,378,157,000 | 3 | $ 544,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 3 | $ 249,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 3 | $ 364,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 920,100,000 | 3 | $ 531,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 3 | $ 52,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 3 | $ 224,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 838,887,000 | 3 | $ 129,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 234,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 3 | $ 79,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 622,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 432,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 2 | $ 193,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 346,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 108,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 305,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 2 | $ 756,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 2 | $ 173,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 228,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 220,000 |
| First National Bank and Trust Company 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ 241,616,000 | 2 | $ 370,000 |
| Bank7 1039 N.W. 63RD ST OKLAHOMA CITY, OK 73116 |
* | $ 352,044,000 | 2 | $ 325,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 159,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 2 | $ 110,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 206,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 2 | $ 40,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 668,544,000 | 2 | $ 136,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 418,943,000 | 2 | $ 264,000 |
| The Stock Exchange Bank, Caldwell, Kansas 103 S. MAIN ST., P.O. BOX 273 CALDWELL, KS 67022 |
* | $ 45,667,000 | 2 | $ 85,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 428,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 2 | $ 176,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 67,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 449,453,000 | 2 | $ 232,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 535,414,000 | 2 | $ 108,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,556,442,000 | 1 | $ 143,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 1 | $ 147,000 |
| Bank of Commerce and Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ 56,833,000 | 1 | $ 6,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 3,664,330,000 | 1 | $ 216,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 85,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 83,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 176,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 191,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 73,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 639,898,000 | 1 | $ 115,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ 629,647,000 | 1 | $ 116,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ 219,603,000 | 1 | $ 49,000 |
| Central Bank of Oklahoma 8908 S YALE, STE 100 TULSA, OK 74137 |
* | $ 597,982,000 | 1 | $ 147,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 113,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ 627,973,000 | 1 | $ 42,000 |
| Ynb P.O BOX 851700 YUKON, OK 73099 |
* | $ 186,329,000 | 1 | $ 38,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 221,822,000 | 1 | $ 55,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 60,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 108,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 150,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 124,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 72,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 55,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 50,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 90,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 28,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 30,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 37,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 109,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 95,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,743,950,000 | 1 | $ 360,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 132,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 129,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 54,000 |
| Leader Mortgage Corp. 3400 PARK PL N MUSKOGEE, OK 74403 |
* | $ 1,100,000,000 | 1 | $ 119,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 54,000 |
The tables below break down 2014 mortgage applications in Kay County, OK by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Kay County, OK in 2014
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 | 660 | $68,665,000 | $104,000 | $5,793,000 | $55,000 | $422,000 |
| Refinancing | 372 | $34,063,000 | $91,000 | $718,000 | $63,000 | $460,000 |
| Home Improvement | 128 | $3,601,000 | $28,000 | $276,000 | $59,000 | $269,000 |
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 | 807 | $68,895,000 | $85,000 | $400,000 | $68,000 | $460,000 |
| Not applicable | 146 | $19,620,000 | $134,000 | $5,793,000 | $3,000 | $110,000 |
| American Indian or Alaskan Native | 80 | $6,432,000 | $80,000 | $238,000 | $56,000 | $158,000 |
| Not Provided | 62 | $5,899,000 | $95,000 | $290,000 | $65,000 | $248,000 |
| Hispanic | 43 | $2,869,000 | $66,000 | $256,000 | $54,000 | $120,000 |
| Asian | 14 | $1,767,000 | $126,000 | $275,000 | $55,000 | $143,000 |
| Black or African American | 7 | $785,000 | $112,000 | $341,000 | $84,000 | $197,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $62,000 | $62,000 | $62,000 | $78,000 | $78,000 |
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) | 743 | $67,351,000 | $90,000 | $5,793,000 | $69,000 | $460,000 |
| FHA-insured (Federal Housing Administration) | 272 | $25,155,000 | $92,000 | $234,000 | $39,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 92 | $10,096,000 | $109,000 | $310,000 | $49,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $3,727,000 | $70,000 | $172,000 | $25,000 | $74,000 |
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 | 519 | $45,284,000 | $87,000 | $718,000 | $73,000 | $460,000 |
| Application Denied By Financial Institution | 260 | $18,354,000 | $70,000 | $327,000 | $50,000 | $248,000 |
| Loan Purchased By The Institution | 248 | $24,219,000 | $97,000 | $315,000 | $32,000 | $422,000 |
| Application Withdrawn By Applicant | 80 | $13,959,000 | $174,000 | $5,793,000 | $58,000 | $186,000 |
| Application Approved But Not Accepted | 35 | $2,702,000 | $77,000 | $180,000 | $80,000 | $300,000 |
| File Closed For Incompleteness | 16 | $1,703,000 | $106,000 | $309,000 | $71,000 | $139,000 |
| Preapproval Denied by Financial Institution | 2 | $108,000 | $54,000 | $54,000 | $22,000 | $22,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 74 | $4,693,000 | $63,000 | $311,000 | $53,000 | $155,000 |
| Collateral | 37 | $2,476,000 | $66,000 | $173,000 | $49,000 | $115,000 |
| Debt-To-Income Ratio | 28 | $2,540,000 | $90,000 | $238,000 | $42,000 | $108,000 |
| Credit Application Incomplete | 12 | $1,192,000 | $99,000 | $327,000 | $62,000 | $152,000 |
| Other | 11 | $762,000 | $69,000 | $164,000 | $58,000 | $138,000 |
| Unverifiable Information | 7 | $378,000 | $54,000 | $135,000 | $61,000 | $85,000 |
| Employment History | 4 | $262,000 | $65,000 | $100,000 | $57,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $107,000 | $53,000 | $55,000 | $89,000 | $120,000 |
| 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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