Laclede County, MO Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,851 mortgage applications in Laclede County, MO totaling $307.0 million, up 26% from 2024. The average application was for $165,000, and applicants reported an average income of $77,000. 41% of applications resulted in an originated loan and 24% were denied. The most active lender was Flat Branch Mortgage, Inc., with 145 applications, followed by First State Community Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 1,851 |
| Total Mortgage Loan Application Amount | $306,985,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $1,985,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $761,000 |
* 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 |
* | $ n/a | 145 | $ 28,665,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 127 | $ 19,445,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 126 | $ 15,850,000 |
| Infuze Credit Union 1300 U.S. RT. 66 WAYNESVILLE, MO 65583 |
* | $ n/a | 106 | $ 11,460,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 102 | $ 20,120,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 85 | $ 10,105,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 84 | $ 9,720,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 59 | $ 7,425,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 53 | $ 11,955,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 45 | $ 4,785,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 45 | $ 10,545,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 44 | $ 9,110,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 44 | $ 5,010,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 38 | $ 8,120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 34 | $ 3,890,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 31 | $ 3,155,000 |
| Resmac Inc WEST COVINA, CA 91792 |
* | $ n/a | 28 | $ 5,750,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 27 | $ 6,255,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 26 | $ 4,350,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 25 | $ 4,425,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 23 | $ 5,645,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 18 | $ 2,850,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 18 | $ 3,680,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 17 | $ 3,605,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 16 | $ 2,340,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 16 | $ 2,110,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 16 | $ 3,540,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 15 | $ 3,425,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ n/a | 15 | $ 2,425,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 13 | $ 3,375,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 12 | $ 1,090,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 12 | $ 2,200,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 12 | $ 2,540,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 12 | $ 740,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 11 | $ 2,105,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 11 | $ 2,725,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 11 | $ 2,095,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 10 | $ 1,030,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 10 | $ 1,770,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 9 | $ 685,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ n/a | 9 | $ 1,585,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 7 | $ 2,105,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 7 | $ 1,635,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 7 | $ 1,855,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 7 | $ 1,885,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 7 | $ 1,495,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 7 | $ 605,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 280,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 6 | $ 1,060,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 6 | $ 1,370,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 6 | $ 1,750,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 5 | $ 655,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 5 | $ 525,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 615,000 |
| Freedom Bank of Southern Missouri P O BOX 309 CASSVILLE, MO 65625 |
* | $ n/a | 4 | $ 800,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ n/a | 4 | $ 810,000 |
| Stockmens Bank SPRINGFIELD, MO 65804 |
* | $ n/a | 4 | $ 280,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 4 | $ 1,300,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 4 | $ 200,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 590,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 4 | $ 1,040,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ n/a | 3 | $ 495,000 |
| Bank of Odessa 301 W HIGHWAY 40 ODESSA, MO 64076 |
* | $ n/a | 3 | $ 435,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ n/a | 3 | $ 405,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 3 | $ 535,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ n/a | 3 | $ 495,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 605,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ n/a | 3 | $ 665,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 3 | $ 685,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 3 | $ 265,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 645,000 |
| Omb Bank 3570 SOUTH NATIONAL AVENUE SPRINGFIELD, MO 65807 |
* | $ n/a | 2 | $ 350,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 2 | $ 150,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 330,000 |
| Phelps County Bank 718 N PINE ST ROLLA, MO 65401 |
* | $ n/a | 2 | $ 410,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 290,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 2 | $ 510,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 2 | $ 100,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 110,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 150,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 2 | $ 210,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 100,000 |
| Mazuma Credit Union 7260 W 135TH STREET OVERLAND PARK, KS 66223 |
* | $ n/a | 2 | $ 390,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 2 | $ 310,000 |
| Assemblies of God Credit Union 1535 N CAMPBELL AVE SPRINGFIELD, MO 65803 |
* | $ n/a | 2 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 560,000 |
| Pilgrim Mortgage LLC 1270 N LOOP 1604 E STE 1101 SAN ANTONIO, TX 78232 |
* | $ n/a | 1 | $ 465,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 475,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 255,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ n/a | 1 | $ 85,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 265,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 95,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ n/a | 1 | $ 235,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 305,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 175,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 95,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 285,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 345,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 135,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 255,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 1 | $ 215,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 1 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 255,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 25,000 |
| Zippy Loans, LLC 2807 ALLEN ST DALLAS, TX 75204 |
* | $ n/a | 1 | $ 15,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 265,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 265,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 605,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 25,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ n/a | 1 | $ 265,000 |
| Vantage Credit Union 19 RESEARCH PARK CT ST CHARLES, MO 63304 |
* | $ n/a | 1 | $ 145,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ n/a | 1 | $ 195,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ n/a | 1 | $ 125,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 135,000 |
| O'bannon Banking Company PO BOX 890 BUFFALO, MO 65622 |
* | $ n/a | 1 | $ 75,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ n/a | 1 | $ 1,985,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 1 | $ 105,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 295,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 1 | $ 65,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 1 | $ 235,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ n/a | 1 | $ 285,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ n/a | 1 | $ 275,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 45,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 305,000 |
| Southwest Missouri Bank 300 WEST THIRD STREET CARTHAGE, MO 64836 |
* | $ n/a | 1 | $ 205,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 695,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ n/a | 1 | $ 155,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 55,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ n/a | 1 | $ 185,000 |
| Ts Bank 15 E MAIN ST TREYNOR, IA 51575 |
* | $ n/a | 1 | $ 665,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 115,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ n/a | 1 | $ 25,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 575,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ n/a | 1 | $ 125,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 85,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 265,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Laclede County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Laclede County, MO in 2025
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 | 1,104 | $194,300,000 | $175,000 | $1,985,000 | $74,000 | $761,000 |
| Cash-out Refinancing | 281 | $46,395,000 | $165,000 | $615,000 | $79,000 | $410,000 |
| Refinancing | 226 | $49,780,000 | $220,000 | $695,000 | $86,000 | $365,000 |
| Other Purpose | 117 | $8,065,000 | $68,000 | $455,000 | $73,000 | $491,000 |
| Home Improvement | 117 | $7,465,000 | $63,000 | $275,000 | $92,000 | $450,000 |
| Not Applicable | 6 | $980,000 | $163,000 | $205,000 | $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 | 1,371 | $214,605,000 | $156,000 | $1,985,000 | $76,000 | $761,000 |
| Not applicable | 228 | $45,550,000 | $199,000 | $665,000 | $91,000 | $157,000 |
| Not Provided | 154 | $30,650,000 | $199,000 | $595,000 | $78,000 | $264,000 |
| Hispanic | 36 | $5,510,000 | $153,000 | $345,000 | $65,000 | $208,000 |
| American Indian or Alaskan Native | 32 | $5,210,000 | $162,000 | $655,000 | $89,000 | $318,000 |
| Black or African American | 20 | $3,640,000 | $182,000 | $465,000 | $91,000 | $153,000 |
| Asian | 7 | $1,295,000 | $185,000 | $285,000 | $128,000 | $333,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $525,000 | $175,000 | $285,000 | $50,000 | $64,000 |
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) | 1,143 | $155,995,000 | $136,000 | $1,985,000 | $79,000 | $761,000 |
| FHA-insured (Federal Housing Administration) | 310 | $58,310,000 | $188,000 | $495,000 | $64,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 263 | $69,935,000 | $265,000 | $615,000 | $87,000 | $410,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 135 | $22,745,000 | $168,000 | $315,000 | $63,000 | $107,000 |
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 | 752 | $133,370,000 | $177,000 | $755,000 | $87,000 | $450,000 |
| Application Denied By Financial Institution | 444 | $58,590,000 | $131,000 | $695,000 | $66,000 | $410,000 |
| Loan Purchased By The Institution | 217 | $43,415,000 | $200,000 | $655,000 | $66,000 | $157,000 |
| Application Withdrawn By Applicant | 187 | $36,065,000 | $192,000 | $1,985,000 | $79,000 | $761,000 |
| File Closed For Incompleteness | 136 | $18,250,000 | $134,000 | $455,000 | $69,000 | $491,000 |
| Application Approved But Not Accepted | 90 | $13,280,000 | $147,000 | $575,000 | $69,000 | $198,000 |
| Preapproval Denied by Financial Institution | 14 | $2,180,000 | $155,000 | $395,000 | $65,000 | $205,000 |
| Preapproval Approved but not Accepted | 11 | $1,835,000 | $166,000 | $455,000 | $70,000 | $169,000 |
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 | 1,352 | $236,920,000 | $175,000 | $755,000 | $80,000 | $491,000 |
| Credit History | 190 | $23,090,000 | $121,000 | $615,000 | $68,000 | $410,000 |
| Debt-To-Income Ratio | 170 | $26,460,000 | $155,000 | $1,985,000 | $67,000 | $761,000 |
| Collateral | 48 | $7,630,000 | $158,000 | $695,000 | $88,000 | $258,000 |
| Credit Application Incomplete | 34 | $5,030,000 | $147,000 | $445,000 | $75,000 | $236,000 |
| Unverifiable Information | 20 | $2,830,000 | $141,000 | $295,000 | $60,000 | $163,000 |
| Other | 14 | $1,770,000 | $126,000 | $275,000 | $83,000 | $203,000 |
| Employment History | 12 | $1,540,000 | $128,000 | $225,000 | $54,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,715,000 | $155,000 | $325,000 | $59,000 | $158,000 |
| 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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