Kent County, MD Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,178 mortgage applications in Kent County, MD totaling $241.8 million, down 21% from 2009. The average application was for $205,000, and applicants reported an average income of $88,000. 46% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank, NA, with 148 applications, followed by Bank of America, N.A. and JPMorgan Chase 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 | 1,178 |
| Total Mortgage Loan Application Amount | $241,818,000 |
| Average Mortgage Loan Application Amount | $205,000 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $1,230,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 148 | $ 31,712,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 91 | $ 21,865,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 88 | $ 18,814,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 65 | $ 11,011,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 63 | $ 11,662,000 |
| The Peoples Bank 100 SPRING AVENUE, PO BOX 210 CHESTERTOWN, MD 21620 |
* | $ 254,376,000 | 56 | $ 6,203,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 50 | $ 10,643,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 48 | $ 8,898,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 27 | $ 5,141,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 24 | $ 6,310,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 23 | $ 4,853,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ 10,000,000 | 23 | $ 5,786,000 |
| Aurora Financial Group Inc 9 EVES DRIVE SUITE 190 MARLTON, NJ 08053 |
* | $ 10,000,000 | 19 | $ 3,706,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 19 | $ 3,685,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 19 | $ 5,356,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ 10,000,000 | 18 | $ 3,185,000 |
| State Employees Credit Union of MD 971 CORPORATE BLVD LINTHICUM, MD 21090 |
* | $ 2,024,896,000 | 16 | $ 2,658,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 16 | $ 3,242,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 15 | $ 4,078,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 12 | $ 2,201,000 |
| Horizon Farm Credit, Aca 45 AILERON CT. MECHANICSBURG, PA 17050 |
* | $ 10,000,000 | 11 | $ 1,735,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 11 | $ 2,187,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 10 | $ 2,034,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 10 | $ 1,121,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 10 | $ 1,809,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,379,910,000 | 9 | $ 1,977,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 9 | $ 1,929,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 9 | $ 1,909,000 |
| Realty Home Mortgage Co., LLC 4600 EAST-WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 149,520,000 | 9 | $ 1,992,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 9 | $ 2,110,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,949,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 8 | $ 2,191,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 6 | $ 865,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 6 | $ 1,568,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 6 | $ 1,139,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 6 | $ 1,857,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 5 | $ 988,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 5 | $ 863,000 |
| Shore United Bank 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ 324,575,000 | 5 | $ 1,020,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 5 | $ 1,044,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 5 | $ 1,714,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 5 | $ 727,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 1,168,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 713,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 4 | $ 478,000 |
| TD Bank N.A. 70 GRAY ROAD FALMOUTH, ME 04105 |
* | $ 140,038,551,000 | 4 | $ 2,203,000 |
| Wilmington Trust FSB 1100 NORTH MARKET STREET WILMINGTON, DE 19890 |
* | $ 2,324,948,000 | 4 | $ 1,090,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 4 | $ 693,000 |
| Aberdeen Proving Ground FCU PO BOX 1176 ABERDEEN, MD 21001 |
* | $ 763,118,000 | 4 | $ 548,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 3 | $ 876,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 73,839,735,000 | 3 | $ 680,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 267,565,000 | 3 | $ 482,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 3 | $ 596,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 3 | $ 1,600,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 543,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 232,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 674,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 3 | $ 335,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 549,000 |
| Universal Mortgage & Finance, Inc 3158 BRAVERTON STREET SUITE 204 EDGEWATER, MD 21037 |
* | $ 10,000,000 | 3 | $ 663,000 |
| Infinity Home Mortgage Co. Inc 7 CARNEGIE PLAZA, SUITE 200 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 3 | $ 1,334,000 |
| Pingora Loan Servicing, LLC 1755 BLAKE ST, SUITE 200 DENVER, CO 80202 |
* | $ 10,000,000 | 2 | $ 320,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,788,563,000 | 2 | $ 252,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 429,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 573,000 |
| K. Hovnanian American Mortgage 3601 QUANTUM BOULDVARD BOYNTON BEACH, FL 33426 |
* | $ 31,000,000 | 2 | $ 455,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 2 | $ 407,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 2 | $ 464,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 289,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 2 | $ 262,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 427,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 606,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 2 | $ 454,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 8,429,059,000 | 2 | $ 135,000 |
| Cecil Bank 127 NORTH STREET ELKTON, MD 21921 |
* | $ 508,805,000 | 2 | $ 254,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 2 | $ 825,000 |
| Wilmington Trust Company 1100 NORTH MARKET STREET WILMINGTON, DE 19890 |
* | $ 9,609,666,000 | 2 | $ 30,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 67,860,327,000 | 2 | $ 418,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 2 | $ 395,000 |
| Severn Savings Bank, FSB 200 WESTGATE CIRCLE, SUITE 200 ANNAPOLIS, MD 21401 |
* | $ 962,420,000 | 2 | $ 567,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 2 | $ 369,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 135,000 |
| Virginia Heritage Bank 8245 BOONE BOULEVARD, SUITE 805 TYSONS CORNER, VA 22182 |
* | $ 341,034,000 | 1 | $ 335,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 1,184,872,000 | 1 | $ 212,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,037,566,000 | 1 | $ 292,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 689,665,000 | 1 | $ 115,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 300,000 |
| Queenstown Bank of Maryland P.O. BOX 120 QUEENSTOWN, MD 21658 |
* | $ 435,671,000 | 1 | $ 50,000 |
| Alliance Bank 541 LAWRENCE ROAD BROOMALL, PA 19008 |
* | $ 464,216,000 | 1 | $ 417,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 131,000 |
| Wsfs Bank 500 DEALWARE AVENUE WILMINGTON, DE 19801 |
* | $ 3,744,888,000 | 1 | $ 318,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 1 | $ 74,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 210,000 |
| Carroll Community Bank 1321 LIBERTY RD. SYKESVILLE, MD 21784 |
* | $ 93,514,000 | 1 | $ 28,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 1 | $ 323,000 |
| Meridian Bank 9 OLD LINCOLN HIGHWAY MALVERN, PA 19355 |
* | $ 291,670,000 | 1 | $ 264,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 240,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 1 | $ 232,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 461,082,000 | 1 | $ 415,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 8,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 146,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 171,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 232,000 |
| Hudson City Savings Bank WEST 80 CENTURY ROAD PARAMUS, NJ 07652 |
* | $ 60,167,760,000 | 1 | $ 450,000 |
| Share Plus Federal Bank 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 208,103,000 | 1 | $ 5,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 2,823,342,000 | 1 | $ 244,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 130,000 |
| The Columbia Bank 7168 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 |
* | $ 2,222,534,000 | 1 | $ 60,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 101,000 |
| Mortgage Master, Inc. 102 ELM STREET WALPOLE, MA 02081 |
* | $ 11,250,346,000 | 1 | $ 131,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 325,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 66,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 24,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Barrons Mortgage Group Ltd 3325 SOUTH TRYON STREET CHARLOTTE, NC 28217 |
* | $ 6,353,000 | 1 | $ 187,000 |
| Municipal Employees Credit Union ONE SOUTH STREET BALTIMORE, MD 21202 |
* | $ 1,032,703,000 | 1 | $ 132,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,055,888,000 | 1 | $ 100,000 |
| American Spirit Federal Credit Union 1110 ELKTON ROAD NEWARK, DE 19711 |
* | $ 41,053,000 | 1 | $ 70,000 |
| Mid-Atlantic FCU 12820 WISTERIA DRIVE GERMANTOWN, MD 20874 |
* | $ 240,953,000 | 1 | $ 126,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 148,000 |
| Atlantic Pacific Mortgage Corporation 302 FELLOWSHIP ROAD, SUITE 110 MT. LAUREL, NJ 08054 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 217,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 330,000 |
The tables below break down 2010 mortgage applications in Kent County, MD by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Kent County, MD in 2010
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 | 887 | $187,711,000 | $211,000 | $1,355,000 | $88,000 | $817,000 |
| Home Purchase | 240 | $48,822,000 | $203,000 | $825,000 | $89,000 | $1,230,000 |
| Home Improvement | 51 | $5,285,000 | $103,000 | $1,440,000 | $69,000 | $434,000 |
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 | 876 | $181,542,000 | $207,000 | $1,355,000 | $95,000 | $1,230,000 |
| Not Provided | 126 | $28,849,000 | $228,000 | $1,440,000 | $96,000 | $714,000 |
| Not applicable | 92 | $19,204,000 | $208,000 | $508,000 | $37,000 | $421,000 |
| Black or African American | 67 | $9,468,000 | $141,000 | $363,000 | $50,000 | $137,000 |
| Hispanic | 6 | $1,014,000 | $169,000 | $256,000 | $100,000 | $174,000 |
| Asian | 5 | $678,000 | $135,000 | $237,000 | $63,000 | $122,000 |
| American Indian or Alaskan Native | 4 | $684,000 | $171,000 | $191,000 | $30,000 | $66,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $379,000 | $189,000 | $245,000 | $55,000 | $60,000 |
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) | 931 | $192,319,000 | $206,000 | $1,440,000 | $96,000 | $1,230,000 |
| FHA-insured (Federal Housing Administration) | 194 | $38,474,000 | $198,000 | $350,000 | $58,000 | $212,000 |
| VA-guaranteed (Veterans Administration) | 27 | $6,345,000 | $235,000 | $311,000 | $45,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $4,680,000 | $180,000 | $404,000 | $56,000 | $81,000 |
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 | 541 | $106,945,000 | $197,000 | $856,000 | $95,000 | $1,230,000 |
| Loan Purchased By The Institution | 215 | $45,404,000 | $211,000 | $508,000 | $67,000 | $603,000 |
| Application Denied By Financial Institution | 192 | $38,234,000 | $199,000 | $1,100,000 | $70,000 | $437,000 |
| Application Withdrawn By Applicant | 133 | $30,565,000 | $229,000 | $1,440,000 | $106,000 | $700,000 |
| Application Approved But Not Accepted | 59 | $12,519,000 | $212,000 | $1,075,000 | $113,000 | $540,000 |
| File Closed For Incompleteness | 38 | $8,151,000 | $214,000 | $729,000 | $86,000 | $443,000 |
| 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 | 40 | $7,899,000 | $197,000 | $1,000,000 | $59,000 | $212,000 |
| Collateral | 33 | $8,041,000 | $243,000 | $1,100,000 | $100,000 | $437,000 |
| Credit Application Incomplete | 31 | $6,654,000 | $214,000 | $417,000 | $89,000 | $429,000 |
| Credit History | 31 | $4,923,000 | $158,000 | $374,000 | $56,000 | $240,000 |
| Other | 22 | $4,546,000 | $206,000 | $417,000 | $61,000 | $160,000 |
| Unverifiable Information | 3 | $805,000 | $268,000 | $335,000 | $68,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $507,000 | $169,000 | $324,000 | $95,000 | $126,000 |
| Mortgage Insurance Denied | 1 | $210,000 | $210,000 | $210,000 | $110,000 | $110,000 |
| Employment History | 1 | $188,000 | $188,000 | $188,000 | $30,000 | $30,000 |
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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