Kay County, OK Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,144 mortgage applications in Kay County, OK totaling $136.4 million, down 28% from 2022. The average application was for $119,000, and applicants reported an average income of $85,000. 56% of applications resulted in an originated loan and 14% were denied. The most active lender was Flat Branch Mortgage, Inc., with 117 applications, followed by Rcb Bank and Equity Bank.
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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 | 1,144 |
| Total Mortgage Loan Application Amount | $136,400,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $895,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $960,000 |
* 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 |
|---|---|---|---|---|
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 117 | $ 16,135,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 3,775,612,000 | 101 | $ 11,595,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,976,744,000 | 92 | $ 7,500,000 |
| First National Bank of Oklahoma 10900 HEFNER POINTE DRIVE OKLAHOMA CITY, OK 73120 |
* | $ 747,928,000 | 67 | $ 5,875,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 10,406,351,000 | 61 | $ 4,715,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 1,942,679,000 | 61 | $ 5,535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 53 | $ 7,325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 37 | $ 4,285,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 34 | $ 5,750,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 25 | $ 3,065,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 25 | $ 2,545,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 23 | $ 4,705,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 20 | $ 2,500,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 17 | $ 1,085,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 12 | $ 1,510,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 11 | $ 375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,375,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 10 | $ 1,300,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 10 | $ 790,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 1,065,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 9 | $ 1,625,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 9 | $ 1,265,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 9 | $ 1,175,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 8 | $ 830,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 930,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 8 | $ 660,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 7 | $ 775,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 755,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 7 | $ 1,105,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 1,458,130,000 | 6 | $ 920,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 6 | $ 380,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 6,032,105,000 | 6 | $ 430,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 6 | $ 620,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ -1,000 | 6 | $ 940,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 6 | $ 230,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,290,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 5 | $ 895,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 5 | $ 615,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 5 | $ 195,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,645,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 645,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ 14,547,035,000 | 5 | $ 705,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 4 | $ 370,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 4 | $ 210,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 647,283,000 | 4 | $ 520,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 325,000 |
| Union State Bank 127 S SUMMIT STREET ARKANSAS CITY, KS 67005 |
* | $ 578,747,000 | 3 | $ 215,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 935,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 3 | $ 375,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 545,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 815,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 3 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 3 | $ 125,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 3 | $ 295,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 315,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ 2,702,968,000 | 3 | $ 255,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 3 | $ 465,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 235,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 3 | $ 305,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 3 | $ 905,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 160,000 |
| First Fidelity Bank 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 2,733,258,000 | 2 | $ 260,000 |
| Conventus Lending LLC 111 POTRERO AVE SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 2 | $ 430,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 780,587,000 | 2 | $ 100,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 190,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 380,000 |
| American Exchange Bank 510 W MAIN ST HENRYETTA, OK 74437 |
* | $ 80,649,000 | 2 | $ 230,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 2 | $ 90,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 80,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 2 | $ 250,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 240,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 2 | $ 230,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 400,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 360,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 27,409,758,000 | 2 | $ 210,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 170,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 420,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 2 | $ 450,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 270,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 220,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 700,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 2 | $ 1,150,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 75,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 265,000 |
| Kanza Bank 2233 N GREENWICH RD WICHITA, KS 67226 |
* | $ 278,919,000 | 1 | $ 85,000 |
| New Century Bank 1211 28TH ST BELLEVILLE, KS 66935 |
* | $ 54,829,000 | 1 | $ 75,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ 1,367,031,000 | 1 | $ 115,000 |
| Wichita Federal Credit Union 9835 E 21ST ST N WICHITA, KS 67206 |
* | $ 191,185,000 | 1 | $ 15,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 145,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 95,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 1 | $ 135,000 |
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 249,882,000 | 1 | $ 65,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 1 | $ 115,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 65,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 105,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 165,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ -1,000 | 1 | $ 125,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,099,887,000 | 1 | $ 125,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 91,580,361,000 | 1 | $ 225,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 1,405,806,000 | 1 | $ 75,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,725,398,000 | 1 | $ 125,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 215,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 105,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 155,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ -1,000 | 1 | $ 425,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 1 | $ 65,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 434,132,000 | 1 | $ 135,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 195,000 |
| Gnbank, N.A. 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 938,981,000 | 1 | $ 325,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 155,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 1 | $ 55,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 1 | $ 315,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 55,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 230,242,000 | 1 | $ 745,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 215,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 55,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 37,695,970,000 | 1 | $ 55,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 95,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 275,000 |
| Banccentral, National Association 604 FLYNN ST ALVA, OK 73717 |
* | $ 377,319,000 | 1 | $ 105,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 115,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 115,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 115,000 |
| Castle Mortgage Corporation 10251 VISTA SORRENTO PKWY, STE. 225 WILMINGTON, DE 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 85,000 |
| First American Mortgage, Inc. 1501 S. RANCHWOOD BLVD. YUKON, OK 73099 |
* | $ -1,000 | 1 | $ 165,000 |
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 967,774,000 | 1 | $ 265,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 195,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 65,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 253,800,000 | 1 | $ 55,000 |
| F&A Federal Credit Union 2625 CORPORATE PLACE MONTEREY PARK, CA 91754 |
* | $ 2,202,571,000 | 1 | $ 65,000 |
The tables below break down 2023 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 2023
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 | 709 | $98,425,000 | $138,000 | $895,000 | $81,000 | $482,000 |
| Cash-out Refinancing | 127 | $15,305,000 | $120,000 | $445,000 | $77,000 | $482,000 |
| Refinancing | 123 | $11,965,000 | $97,000 | $475,000 | $88,000 | $411,000 |
| Home Improvement | 108 | $6,600,000 | $61,000 | $295,000 | $118,000 | $960,000 |
| Other Purpose | 73 | $3,945,000 | $54,000 | $295,000 | $71,000 | $242,000 |
| Not Applicable | 4 | $160,000 | $40,000 | $55,000 | $0 | $0 |
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 | 709 | $81,935,000 | $115,000 | $745,000 | $87,000 | $960,000 |
| Not applicable | 200 | $28,020,000 | $140,000 | $895,000 | $64,000 | $91,000 |
| Not Provided | 93 | $11,645,000 | $125,000 | $445,000 | $74,000 | $297,000 |
| American Indian or Alaskan Native | 81 | $9,195,000 | $113,000 | $485,000 | $71,000 | $237,000 |
| Hispanic | 39 | $3,845,000 | $98,000 | $305,000 | $93,000 | $279,000 |
| Asian | 12 | $990,000 | $82,000 | $125,000 | $77,000 | $154,000 |
| Black or African American | 9 | $725,000 | $80,000 | $175,000 | $86,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 735 | $77,665,000 | $105,000 | $895,000 | $93,000 | $960,000 |
| FHA-insured (Federal Housing Administration) | 279 | $37,155,000 | $133,000 | $425,000 | $65,000 | $236,000 |
| VA-guaranteed (Veterans Administration) | 102 | $18,580,000 | $182,000 | $445,000 | $80,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,000,000 | $107,000 | $165,000 | $60,000 | $84,000 |
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 | 640 | $76,520,000 | $119,000 | $895,000 | $93,000 | $960,000 |
| Application Denied By Financial Institution | 163 | $14,825,000 | $90,000 | $385,000 | $67,000 | $296,000 |
| Loan Purchased By The Institution | 155 | $23,435,000 | $151,000 | $425,000 | $64,000 | $166,000 |
| Application Withdrawn By Applicant | 113 | $14,265,000 | $126,000 | $445,000 | $75,000 | $291,000 |
| File Closed For Incompleteness | 43 | $4,485,000 | $104,000 | $315,000 | $85,000 | $406,000 |
| Application Approved But Not Accepted | 30 | $2,870,000 | $95,000 | $335,000 | $79,000 | $181,000 |
| 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 | 970 | $119,670,000 | $123,000 | $895,000 | $88,000 | $960,000 |
| Credit History | 65 | $5,545,000 | $85,000 | $325,000 | $75,000 | $296,000 |
| Debt-To-Income Ratio | 44 | $4,720,000 | $107,000 | $745,000 | $56,000 | $197,000 |
| Collateral | 31 | $3,485,000 | $112,000 | $385,000 | $76,000 | $265,000 |
| Credit Application Incomplete | 13 | $1,045,000 | $80,000 | $175,000 | $55,000 | $120,000 |
| Other | 10 | $920,000 | $92,000 | $155,000 | $71,000 | $125,000 |
| Unverifiable Information | 5 | $485,000 | $97,000 | $155,000 | $79,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $440,000 | $110,000 | $205,000 | $78,000 | $138,000 |
| Employment History | 2 | $90,000 | $45,000 | $65,000 | $24,000 | $30,000 |
| 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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