Knox County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 1,488 mortgage applications in Knox County, IL totaling $131.2 million, down 2% from 2014. The average application was for $88,000, and applicants reported an average income of $63,000. 60% of applications resulted in an originated loan and 18% were denied. The most active lender was Farmers & Mechanics Bank, with 285 applications, followed by Wells Fargo Bank NA and First Midwest 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 | 1,488 |
| Total Mortgage Loan Application Amount | $131,156,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $639,000 |
* 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 |
|---|---|---|---|---|
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 273,620,000 | 285 | $ 22,440,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 219 | $ 15,147,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,314,575,000 | 110 | $ 9,486,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ 900,812,000 | 101 | $ 4,307,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 425,492,000 | 79 | $ 6,861,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 1,600,032,000 | 57 | $ 8,240,000 |
| Heritage Credit Union 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 271,959,000 | 55 | $ 2,973,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 53 | $ 5,038,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 31 | $ 2,265,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 18 | $ 1,641,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 16 | $ 1,353,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 16 | $ 1,291,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 14 | $ 1,783,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 13 | $ 1,467,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 859,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 11 | $ 1,728,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 26,653,631,000 | 11 | $ 1,729,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,322,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 9 | $ 946,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 9 | $ 976,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,603,427,000 | 9 | $ 975,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 9 | $ 1,204,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 8 | $ 790,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 8 | $ 774,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 1,205,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 889,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 625,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 7 | $ 776,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 624,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 7 | $ 717,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 6 | $ 85,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 5 | $ 484,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 5 | $ 380,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 482,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 291,766,000 | 5 | $ 316,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ 2,857,859,000 | 5 | $ 348,000 |
| Town & Country Banc Mortgage Services, Inc. 3601 W WABASH AVE SPRINGFIELD, IL 62711 |
* | $ 497,841,000 | 5 | $ 643,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 5 | $ 467,000 |
| State Bank of Lincoln 508 BROADWAY STREET LINCOLN, IL 62656 |
* | $ 333,038,000 | 4 | $ 395,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 4 | $ 495,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 209,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 4 | $ 241,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 4 | $ 378,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 376,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 3 | $ 424,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 194,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 3 | $ 171,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 3 | $ 247,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 487,730,000 | 3 | $ 334,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 3 | $ 62,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 3 | $ 247,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 3 | $ 340,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 197,000 |
| Farmers State Bank of Western Illinois PO BOX 369 ALPHA, IL 61413 |
* | $ 129,080,000 | 3 | $ 496,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,508,876,000 | 3 | $ 413,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 727,891,000 | 3 | $ 428,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 5,850,940,000 | 3 | $ 176,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 202,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 255,000 |
| Ruhl Mortgage LLC 1701 52ND AVENUE MOLINE, IL 61265 |
* | $ 0 | 2 | $ 413,000 |
| Peoples National Bank of Kewanee 207 N TREMONT ST KEWANEE, IL 61443 |
* | $ 249,372,000 | 2 | $ 944,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 2 | $ 252,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 3,407,081,000 | 2 | $ 122,000 |
| Quad City Bank and Trust 4500 NORTH BRADY STREET DAVENPORT, IA 52806 |
* | $ 1,339,795,000 | 2 | $ 568,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 439,000 |
| Farmers-Merchants Bank of Illinois P.O. BOX 217 JOY, IL 61260 |
* | $ 43,054,000 | 2 | $ 148,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 2 | $ 262,000 |
| Bankorion 1114 4TH STREET ORION, IL 61273 |
* | $ 397,410,000 | 2 | $ 106,000 |
| South Side Trust & Savings Bank of Peoria 2119 S.W. ADAMS PEORIA, IL 61602 |
* | $ 641,170,000 | 2 | $ 148,000 |
| Farmers State Bank PO BOX 620 ELMWOOD, IL 61529 |
* | $ 52,915,000 | 2 | $ 822,000 |
| First Trust & Savings Bank of Albany, Illinois 209 SOUTH MAIN STREET ALBANY, IL 61230 |
* | $ 217,420,000 | 2 | $ 145,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 187,860,000 | 2 | $ 145,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 2 | $ 50,000 |
| Redbrand Credit Union 820 MCKINLEY AVE BARTONVILLE, IL 61607 |
* | $ 51,311,000 | 2 | $ 19,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 231,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 346,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 408,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 232,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 457,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ 25,961,064,000 | 2 | $ 142,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 2 | $ 132,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 13,000 |
| Southeast National Bank 3535 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 182,762,000 | 2 | $ 113,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 123,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 2 | $ 84,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 83,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 1 | $ 2,100,000 |
| Jacksonville Savings Bank 1211 WEST MORTON AVE JACKSONVILLE, IL 62650 |
* | $ 311,888,000 | 1 | $ 62,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 727,505,000 | 1 | $ 60,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 160,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 256,815,000 | 1 | $ 27,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 117,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 5,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 1 | $ 57,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 73,000 |
| McGlone Mortgage Company, Inc. 3701 E. EVERGREEN DRIVE, SUITE 500B APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,148,005,000 | 1 | $ 86,000 |
| Community State Bank 625 SE 2ND ST GALVA, IL 61434 |
* | $ 155,897,000 | 1 | $ 21,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ 10,000,000 | 1 | $ 126,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ 10,000,000 | 1 | $ 269,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 34,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 77,000 |
| The Bank of Edwardsville 330 W VANDALIA EDWARDSVILLE, IL 62025 |
* | $ 1,683,325,000 | 1 | $ 164,000 |
| Better Banks 10225 N KNOXVILLE AVE PEORIA, IL 61615 |
* | $ 273,934,000 | 1 | $ 52,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 32,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 1 | $ 145,000 |
| Cuso Mortgage, Inc. 5601 E LA PALMA AVENUE ANAHEIM, CA 92807 |
* | $ 10,000,000 | 1 | $ 272,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 66,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 1 | $ 92,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 105,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 341,944,000 | 1 | $ 95,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,262,445,000 | 1 | $ 146,000 |
| Illinois State Credit Union 1309 S CENTER NORMAL, IL 61761 |
* | $ 105,192,000 | 1 | $ 82,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 343,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 353,451,000 | 1 | $ 112,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 702,990,000 | 1 | $ 67,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 365,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 125,000 |
| Heritage Bank of Central Il 615 N TRIVOLI TRIVOLI, IL 61569 |
* | $ 269,870,000 | 1 | $ 240,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 141,000 |
| State Bank of Speer 14 MAIN ST. P.O. BOX 37 SPEER, IL 61479 |
* | $ 187,244,000 | 1 | $ 334,000 |
| Brimfield Bank 123 E. KNOXVILLE STREET BRIMFIELD, IL 61517 |
* | $ 48,486,000 | 1 | $ 120,000 |
| Farmers State Bank 108 E. ADAMS, P.O. BOX 538 PITTSFIELD, IL 62363 |
* | $ 241,597,000 | 1 | $ 205,000 |
| R.I.A. Federal Credit Union PO BOX 4750 BETTENDORF, IA 52722 |
* | $ 355,351,000 | 1 | $ 70,000 |
| Townstone Finanacial, Inc. 1141 W RANDOLPH CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 173,000 |
The tables below break down 2015 mortgage applications in Knox County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Knox County, IL in 2015
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 | 654 | $64,966,000 | $99,000 | $4,900,000 | $61,000 | $466,000 |
| Refinancing | 593 | $58,719,000 | $99,000 | $2,649,000 | $64,000 | $639,000 |
| Home Improvement | 241 | $7,471,000 | $31,000 | $660,000 | $66,000 | $474,000 |
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 | 1,198 | $103,120,000 | $86,000 | $4,900,000 | $69,000 | $639,000 |
| Not applicable | 109 | $15,448,000 | $141,000 | $2,649,000 | $4,000 | $181,000 |
| Not Provided | 84 | $6,691,000 | $79,000 | $272,000 | $59,000 | $180,000 |
| Hispanic | 44 | $2,481,000 | $56,000 | $170,000 | $61,000 | $171,000 |
| Black or African American | 41 | $1,989,000 | $48,000 | $138,000 | $50,000 | $110,000 |
| Asian | 7 | $1,204,000 | $172,000 | $330,000 | $144,000 | $500,000 |
| American Indian or Alaskan Native | 5 | $223,000 | $44,000 | $139,000 | $54,000 | $157,000 |
| 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) | 1,077 | $94,345,000 | $87,000 | $4,900,000 | $72,000 | $639,000 |
| FHA-insured (Federal Housing Administration) | 235 | $18,791,000 | $79,000 | $211,000 | $36,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 123 | $13,944,000 | $113,000 | $365,000 | $49,000 | $206,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $4,076,000 | $76,000 | $149,000 | $33,000 | $69,000 |
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 | 899 | $82,835,000 | $92,000 | $2,649,000 | $73,000 | $639,000 |
| Application Denied By Financial Institution | 264 | $15,948,000 | $60,000 | $289,000 | $51,000 | $195,000 |
| Application Withdrawn By Applicant | 128 | $11,504,000 | $89,000 | $330,000 | $60,000 | $397,000 |
| Loan Purchased By The Institution | 104 | $9,888,000 | $95,000 | $364,000 | $17,000 | $381,000 |
| File Closed For Incompleteness | 49 | $3,099,000 | $63,000 | $336,000 | $54,000 | $207,000 |
| Application Approved But Not Accepted | 44 | $7,882,000 | $179,000 | $4,900,000 | $63,000 | $265,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 96 | $3,472,000 | $36,000 | $203,000 | $59,000 | $171,000 |
| Debt-To-Income Ratio | 32 | $1,734,000 | $54,000 | $200,000 | $40,000 | $92,000 |
| Collateral | 30 | $2,706,000 | $90,000 | $289,000 | $55,000 | $115,000 |
| Credit Application Incomplete | 21 | $1,505,000 | $71,000 | $171,000 | $57,000 | $195,000 |
| Other | 14 | $1,035,000 | $73,000 | $146,000 | $38,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $357,000 | $71,000 | $170,000 | $32,000 | $52,000 |
| Unverifiable Information | 4 | $215,000 | $53,000 | $125,000 | $46,000 | $74,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $24,000 | $24,000 |
| 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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