Lamar County, TX Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 872 mortgage applications in Lamar County, TX totaling $97.3 million, up 16% from 2014. The average application was for $111,000, and applicants reported an average income of $66,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was Guaranty Bank & Trust, with 135 applications, followed by Wells Fargo Bank NA and 21st Mortgage.

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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 872
Total Mortgage Loan Application Amount $97,333,000
Average Mortgage Loan Application Amount $111,000
Highest Mortgage Loan Application Amount $1,838,000
Average Applicant Income $66,000
Highest Applicant Income $1,037,000

Mortgage Company List for Lending in Lamar County, TX for 2015

* 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
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ 1,333,577,000 135 $ 16,579,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 55 $ 5,458,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 43 $ 2,317,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 40 $ 4,154,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 37 $ 4,587,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 33 $ 2,421,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 28 $ 3,183,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 20 $ 3,267,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 19 $ 2,842,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 18 $ 1,299,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 16 $ 1,605,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 14 $ 2,259,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 13 $ 1,307,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 12 $ 1,086,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 12 $ 1,673,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 686,374,000 10 $ 577,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 10 $ 1,524,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,357,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,154,372,000 9 $ 886,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ 530,892,000 9 $ 364,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 9 $ 725,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 877,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 9 $ 861,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 8 $ 799,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 8 $ 654,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 7 $ 497,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 7 $ 869,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 7 $ 725,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ 10,000,000 7 $ 683,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 7 $ 775,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 6 $ 312,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 6 $ 966,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 6 $ 580,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 6 $ 914,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 588,000
Cypress Bank State Savings Bank
120 S GREER BLVD
PITTSBURG, TX 75686
* $ 175,129,000 4 $ 654,000
Texar Federal Credit Union
2301 RICHMOND RD
TEXARKANA, TX 75503
* $ 322,517,000 4 $ 417,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 4 $ 130,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 4 $ 176,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 4 $ 502,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 355,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 3 $ 685,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 3 $ 596,000
First Texoma National Bank
220 W MAIN
DURANT, OK 74701
* $ 156,184,000 3 $ 1,117,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 3 $ 309,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 316,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 352,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 397,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 329,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,545,267,000 3 $ 241,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 221,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 251,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 2 $ 537,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 151,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 2 $ 167,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 198,000
Kondaur Capital Corporation
333 S ANITA DR STE 400
ORANGE, CA 92868
* $ 54,713,000 2 $ 132,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 260,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 312,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 196,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 271,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 199,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 2 $ 197,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 273,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 225,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ 20,474,937,000 2 $ 132,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 2 $ 241,000
Alliance Bank
P.O. BOX 500
SULPHUR SPRINGS, TX 75483
* $ 642,920,000 2 $ 110,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 204,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 245,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 243,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 257,892,000 2 $ 111,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 265,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 308,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 2 $ 401,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 73,000
Platinum Bank
6502 SLIDE RD, SUITE 110
LUBBOCK, TX 79424
* $ 228,062,000 1 $ 320,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ 0 1 $ 86,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 137,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 128,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,180,805,000 1 $ 72,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 1,774,875,000 1 $ 50,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,167,901,000 1 $ 150,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 1 $ 169,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 154,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 135,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 124,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 132,000
Integrity Mortgage Corporation of Texas
5 HORIZON CT
HEATH, TX 75032
* $ 7,939,000 1 $ 210,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 160,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 103,000
Coastalstates Bank
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 389,720,000 1 $ 130,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 107,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 127,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 1 $ 80,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 463,562,000 1 $ 1,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 1 $ 121,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 60,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 190,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 177,000
Houstonian Mortgage Group Inc
11490 WESTHEIMER #825
HOUSTON, TX 77077
* $ 17,008,000 1 $ 99,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 1 $ 82,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 6,283,653,000 1 $ 100,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,105,747,000 1 $ 210,000
Resource One Credit Union
8344 ERL THORNTON FWY. STE 110
DALLAS, TX 75228
* $ 395,084,000 1 $ 60,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 94,000
American Bank of Texas
PO BOX 1234
SHERMAN, TX 75091
* $ 2,196,869,000 1 $ 46,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 129,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 66,000
The First National Bank of Winnsboro
315 N. MAIN P.O. BOX 29
WINNSBORO, TX 75494
* $ 138,410,000 1 $ 272,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 225,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 81,000
Lhm Financial Corporation
7025 E GREENWAY PARKWAY SUITE 100
PHOENIX, AZ 85254
* $ 10,000,000 1 $ 52,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 226,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 225,000
Vision Bank
PO BOX 669
ADA, OK 74820
* $ 653,775,000 1 $ 196,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 6,557,187,000 1 $ 87,000
The Poples State Bank
601 E TEMPERANCE ST
ELLETTSVILLE, IN 47429
* $ 209,451,000 1 $ 179,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 80,000
Texans Credit Union
777 E. CAMPBELL ROAD #300
RICHARDSON, TX 75081
* $ 1,415,316,000 1 $ 144,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 141,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 154,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 108,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 87,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 35,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 96,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 111,000
Herring Bank
2201 CIVIC CIRCLE
AMARILLO, TX 79109
* $ 430,598,000 1 $ 118,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,332,169,000 1 $ 27,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 70,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,314,758,000 1 $ 80,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 1 $ 276,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 1 $ 172,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 1 $ 190,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 1 $ 77,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 21,504,119,000 1 $ 241,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 81,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 69,310,249,000 1 $ 38,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ 216,152,000 1 $ 68,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 1 $ 70,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 25,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 130,000
Datcu
5940 SOUTH INTERSTATE 35 EAST
CORINTH, TX 76210
* $ 756,473,000 1 $ 156,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 1 $ 193,000
Firstcapital Bank of Texas, National Association
3900 S. SONCY RD
AMARILLO, TX 79119
* $ 885,470,000 1 $ 172,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ 1,989,439,000 1 $ 271,000

The tables below break down 2015 mortgage applications in Lamar County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lamar County, TX 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 538 $60,023,000 $111,000 $1,838,000 $65,000 $770,000
Refinancing 298 $35,316,000 $118,000 $421,000 $69,000 $1,037,000
Home Improvement 36 $1,994,000 $55,000 $700,000 $63,000 $484,000

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 600 $66,416,000 $110,000 $700,000 $72,000 $1,037,000
Not applicable 100 $12,918,000 $129,000 $1,838,000 $27,000 $328,000
Not Provided 83 $9,143,000 $110,000 $347,000 $64,000 $209,000
Black or African American 48 $3,984,000 $83,000 $212,000 $53,000 $131,000
Hispanic 21 $2,836,000 $135,000 $580,000 $129,000 $770,000
American Indian or Alaskan Native 14 $1,376,000 $98,000 $146,000 $61,000 $152,000
Asian 4 $450,000 $112,000 $166,000 $63,000 $87,000
Native Hawaiian or Other Pacific Islander 2 $210,000 $105,000 $125,000 $82,000 $102,000

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) 536 $60,636,000 $113,000 $1,838,000 $81,000 $1,037,000
FHA-insured (Federal Housing Administration) 222 $22,707,000 $102,000 $276,000 $42,000 $250,000
VA-guaranteed (Veterans Administration) 100 $12,833,000 $128,000 $315,000 $48,000 $130,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $1,157,000 $82,000 $156,000 $23,000 $56,000

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 384 $46,791,000 $121,000 $1,838,000 $76,000 $770,000
Application Denied By Financial Institution 203 $19,355,000 $95,000 $557,000 $68,000 $1,037,000
Loan Purchased By The Institution 133 $15,373,000 $115,000 $345,000 $40,000 $328,000
Application Withdrawn By Applicant 87 $9,556,000 $109,000 $290,000 $60,000 $434,000
File Closed For Incompleteness 37 $3,269,000 $88,000 $166,000 $53,000 $180,000
Application Approved But Not Accepted 28 $2,989,000 $106,000 $344,000 $79,000 $244,000
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 50 $3,678,000 $73,000 $240,000 $57,000 $150,000
Debt-To-Income Ratio 21 $2,224,000 $105,000 $421,000 $63,000 $324,000
Collateral 15 $1,469,000 $97,000 $400,000 $133,000 $1,037,000
Credit Application Incomplete 7 $1,111,000 $158,000 $557,000 $151,000 $683,000
Insufficient Cash (Downpayment, Closing Cost) 7 $898,000 $128,000 $195,000 $65,000 $175,000
Other 6 $655,000 $109,000 $179,000 $75,000 $125,000
Employment History 2 $389,000 $194,000 $323,000 $89,000 $150,000
Unverifiable Information 1 $64,000 $64,000 $64,000 $70,000 $70,000
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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