King William County, VA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,066 mortgage applications in King William County, VA totaling $242.9 million, up 25% from 2023. The average application was for $227,000, and applicants reported an average income of $100,000. 52% of applications resulted in an originated loan and 15% were denied. The most active lender was PennyMac Loan Services LLC, with 66 applications, followed by United Bank VA and Truist Bank.

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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 1,066
Total Mortgage Loan Application Amount $242,870,000
Average Mortgage Loan Application Amount $227,000
Highest Mortgage Loan Application Amount $655,000
Average Applicant Income $100,000
Highest Applicant Income $900,000

Mortgage Company List for Lending in King William County, VA for 2024

* 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
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 66 $ 18,180,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 64 $ 18,000,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 45 $ 7,615,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ n/a 40 $ 5,280,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 34 $ 11,210,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 30 $ 11,720,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 28 $ 2,100,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 26 $ 5,380,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 26 $ 7,680,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 26 $ 4,440,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 23 $ 3,045,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 22 $ 5,300,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 20 $ 5,830,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 19 $ 5,295,000
Citizens and Farmers Bank
415 14TH STREET
WEST POINT, VA 23181
* $ n/a 19 $ 1,255,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 19 $ 5,565,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 19 $ 5,205,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 16 $ 5,500,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 16 $ 3,520,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 15 $ 1,135,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 14 $ 4,550,000
Towne First Mortgage, LLC
4501 COX RD #301
GLEN ALLEN, VA 23060
* $ n/a 14 $ 4,690,000
Baylands Family Credit Union
PO BOX 392, 2004 MAIN STREET
WEST POINT, VA 23181
* $ n/a 13 $ 1,435,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ n/a 12 $ 3,500,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 12 $ 3,270,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 11 $ 465,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 11 $ 575,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 10 $ 2,430,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 10 $ 3,030,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 10 $ 2,480,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 9 $ 2,885,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 9 $ 2,505,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 9 $ 2,685,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ n/a 8 $ 1,860,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 8 $ 1,160,000
Call Federal
4605 COMMERCE ROAD
RICHMOND, VA 23234
* $ n/a 8 $ 540,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 8 $ 490,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 8 $ 1,860,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 8 $ 2,290,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 8 $ 1,750,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,190,000
Primis Bank
10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN
GLEN ALLEN, VA 23060
* $ n/a 7 $ 955,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 1,725,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 6 $ 1,810,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 6 $ 1,860,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 6 $ 1,500,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 6 $ 1,270,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 6 $ 2,200,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,520,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 1,285,000
Henrico Federal Credit Union
9401 WEST BROAD ST
HENRICO, VA 23294
* $ n/a 5 $ 265,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 5 $ 475,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 5 $ 1,055,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 990,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 760,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 4 $ 960,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 4 $ 1,190,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 3 $ 985,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 3 $ 575,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 805,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 385,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 3 $ 815,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 345,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 775,000
Chesapeake Bank
35 SCHOOL STREET, PO BOX 2256
KILMARNOCK, VA 22482
* $ n/a 3 $ 975,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 3 $ 375,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 2 $ 270,000
Bayport Credit Union
2107 HARTFORD RD, SUITE B
NEWPORT NEWS, VA 23606
* $ n/a 2 $ 920,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 2 $ 510,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ n/a 2 $ 190,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 2 $ 40,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 590,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 650,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 160,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 2 $ 390,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ n/a 2 $ 330,000
City Lending Inc.
8150 LEESBURG PIKE SUITE 405
VIENNA, VA 22182
* $ n/a 2 $ 350,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 630,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 560,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 2 $ 560,000
Village Bank and Trust Financial Corp
P.O. BOX 330
MIDLOTHIAN, VA 23113
* $ n/a 2 $ 120,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ n/a 2 $ 480,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 2 $ 360,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 2 $ 430,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ n/a 2 $ 150,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 2 $ 280,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 140,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ n/a 2 $ 370,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 470,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 2 $ 160,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 170,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 100,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 740,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ n/a 2 $ 50,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ n/a 2 $ 480,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 1 $ 385,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 1 $ 325,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 305,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 225,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 205,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 265,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 315,000
Topside Federal Credit Union
PO BOX 519
DAHLGREN, VA 22448
* $ n/a 1 $ 105,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 1 $ 305,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 275,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 45,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 85,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 305,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 425,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 285,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 295,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 265,000
Farmers and Miners Bank
41526 W MORGAN AVENUE
PENNINGTON GAP, VA 24277
* $ n/a 1 $ 385,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 195,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 105,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 315,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 215,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ n/a 1 $ 55,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 225,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ n/a 1 $ 105,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 335,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 345,000
Towne Mortgage
3 COMMERCIAL PLACE STE 1440
NORFOLK, VA 23510
* $ n/a 1 $ 495,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 1 $ 365,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 425,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 1 $ 115,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 205,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 125,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 1 $ 175,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 75,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 425,000
Argent Federal Credit Union
11651 ALLIANCE CIRCLE
CHESTER, VA 23831
* $ n/a 1 $ 35,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 225,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 385,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 175,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 205,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ n/a 1 $ 285,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 35,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 305,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 415,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 195,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 1 $ 285,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 225,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 405,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 345,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ n/a 1 $ 285,000
Abnb Federal Credit Union
830 GREENBRIER CIRCLE
CHESAPEAKE, VA 23320
* $ n/a 1 $ 235,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 305,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 1 $ 355,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 275,000
The Freedom Bank of Virginia
10555 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 345,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 475,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 355,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 285,000

The tables below break down 2024 mortgage applications in King William County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for King William County, VA in 2024

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 527 $158,655,000 $301,000 $655,000 $102,000 $504,000
Cash-out Refinancing 174 $35,600,000 $204,000 $575,000 $83,000 $339,000
Other Purpose 145 $10,465,000 $72,000 $405,000 $105,000 $900,000
Refinancing 117 $30,155,000 $257,000 $605,000 $99,000 $355,000
Home Improvement 100 $7,730,000 $77,000 $405,000 $111,000 $265,000
Not Applicable 3 $265,000 $88,000 $105,000 $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 633 $133,895,000 $211,000 $655,000 $100,000 $504,000
Not applicable 169 $50,015,000 $295,000 $555,000 $93,000 $183,000
Not Provided 127 $28,595,000 $225,000 $575,000 $106,000 $900,000
Black or African American 89 $19,215,000 $215,000 $485,000 $86,000 $213,000
Hispanic 21 $4,795,000 $228,000 $385,000 $96,000 $141,000
Asian 15 $3,235,000 $215,000 $485,000 $127,000 $380,000
American Indian or Alaskan Native 11 $3,065,000 $278,000 $435,000 $99,000 $203,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $97,000 $97,000

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) 674 $121,410,000 $180,000 $655,000 $103,000 $900,000
FHA-insured (Federal Housing Administration) 243 $72,935,000 $300,000 $555,000 $86,000 $380,000
VA-guaranteed (Veterans Administration) 122 $41,230,000 $337,000 $605,000 $103,000 $220,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $7,295,000 $270,000 $345,000 $90,000 $115,000

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 557 $130,045,000 $233,000 $605,000 $101,000 $380,000
Loan Purchased By The Institution 169 $50,105,000 $296,000 $555,000 $94,000 $183,000
Application Denied By Financial Institution 156 $22,850,000 $146,000 $655,000 $93,000 $900,000
Application Withdrawn By Applicant 114 $26,940,000 $236,000 $615,000 $99,000 $544,000
File Closed For Incompleteness 52 $9,470,000 $182,000 $425,000 $104,000 $504,000
Application Approved But Not Accepted 18 $3,460,000 $192,000 $345,000 $107,000 $291,000
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 905 $218,835,000 $241,000 $615,000 $101,000 $544,000
Credit History 55 $6,215,000 $113,000 $655,000 $114,000 $900,000
Debt-To-Income Ratio 42 $7,640,000 $181,000 $505,000 $71,000 $231,000
Credit Application Incomplete 20 $3,380,000 $169,000 $495,000 $85,000 $179,000
Other 16 $2,380,000 $148,000 $505,000 $117,000 $245,000
Collateral 14 $1,850,000 $132,000 $275,000 $97,000 $172,000
Unverifiable Information 5 $665,000 $133,000 $195,000 $93,000 $135,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,175,000 $235,000 $355,000 $69,000 $99,000
Employment History 4 $730,000 $182,000 $265,000 $72,000 $82,000
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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