Lamar County, TX Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 925 mortgage applications in Lamar County, TX totaling $115.8 million, up 6% from 2015. The average application was for $125,000, and applicants reported an average income of $73,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Guaranty Bank & Trust, with 160 applications, followed by loanDepot.com LLC and Wells Fargo Bank NA.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Texas.
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 925
Total Mortgage Loan Application Amount $115,837,000
Average Mortgage Loan Application Amount $125,000
Highest Mortgage Loan Application Amount $2,310,000
Average Applicant Income $73,000
Highest Applicant Income $2,819,000

Mortgage Company List for Lending in Lamar County, TX for 2016

* 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
* $ 1,681,069,000 160 $ 20,547,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 64 $ 8,570,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 60 $ 7,902,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 38 $ 2,873,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 31 $ 4,161,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 30 $ 3,522,000
Origin Bank

HOUSTON, TX 77024
* $ 3,951,154,000 29 $ 3,995,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 28 $ 1,728,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 21 $ 2,784,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 17 $ 2,073,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 14 $ 2,217,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,280,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 12 $ 1,295,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 11 $ 1,272,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 10 $ 662,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 10 $ 900,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 9 $ 864,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 9 $ 924,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 9 $ 1,068,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 990,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 813,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 7 $ 946,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 937,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 7 $ 1,177,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 7 $ 857,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 7 $ 285,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 735,030,000 7 $ 301,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 3,153,899,000 6 $ 795,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 6 $ 216,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 6 $ 856,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 6 $ 566,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 6 $ 555,000
Texar Federal Credit Union
2301 RICHMOND RD
TEXARKANA, TX 75503
* $ 332,250,000 6 $ 429,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 6 $ 695,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ 10,000,000 5 $ 567,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 551,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 5 $ 608,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 5 $ 444,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 5 $ 597,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 4 $ 441,000
The First National Bank of Tom Bean
109 S. BRITTON
TOM BEAN, TX 75489
* $ 72,880,000 4 $ 407,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 484,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 4 $ 610,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 4 $ 443,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 4 $ 860,000
American Southwest Mortgage Funding Corp
5900 MOSTELLER DRIVE SUITE 8
OKLAHOMA CITY, OK 73112
* $ 336,426,000 4 $ 364,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 4 $ 743,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 499,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 3 $ 297,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 3 $ 55,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 3 $ 310,000
Alliance Bank
P.O. BOX 500
SULPHUR SPRINGS, TX 75483
* $ 675,807,000 3 $ 247,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 655,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 750,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 429,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 458,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 402,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 256,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 697,000
Pilgrim Bank
145 E. MARSHALL ST.
PITTSBURG, TX 75686
* $ 584,561,000 2 $ 502,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 154,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 2 $ 452,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 327,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 2 $ 111,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 230,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 2 $ 533,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 269,000
First Texoma National Bank
220 W MAIN
DURANT, OK 74701
* $ 163,822,000 2 $ 337,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 144,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 128,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 334,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 2 $ 242,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 2 $ 276,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 464,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 2 $ 313,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 119,000
Texas Heritage National Bank
107 WEBB STREET
DAINGERFIELD, TX 75638
* $ 126,008,000 2 $ 157,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 1 $ 195,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 180,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 126,000
Centralalliance
625 DEERWOOD AVE
NEENAH, WI 54956
* $ 74,594,000 1 $ 3,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 204,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 402,807,000 1 $ 145,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 78,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 175,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 152,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 60,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 1 $ 137,000
United Heritage Credit Union
12208 N MOPAC EXPY
AUSTIN, TX 78759
* $ 865,609,000 1 $ 152,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 131,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 186,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 6,991,326,000 1 $ 312,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 367,680,000 1 $ 63,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 120,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ 917,364,000 1 $ 120,000
Americash
3080 BRISTOL STREET, SUITE 300
COSTA MESA, CA 92626
* $ 10,000,000 1 $ 328,000
Texans Credit Union
777 E. CAMPBELL ROAD #300
RICHARDSON, TX 75081
* $ 1,445,267,000 1 $ 170,000
Lone Star Credit Union
7508 FERGUSON ROAD
DALLAS, TX 75228
* $ 111,247,000 1 $ 53,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 51,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 1 $ 148,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 2,425,731,000 1 $ 213,000
Telco Plus Credit Union
423 GILMER RD
LONGVIEW, TX 75604
* $ 64,190,000 1 $ 50,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 155,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 1 $ 76,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 1 $ 220,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ 489,449,000 1 $ 155,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 187,000
Pinnacle Bank
PO BOX 676
FORT WORTH, TX 76102
* $ 694,132,000 1 $ 652,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 174,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 9,237,936,000 1 $ 160,000
Farmers Bank & Trust
200 E MAIN ST
MAGNOLIA, AR 71753
* $ 1,287,700,000 1 $ 239,000
Newton Federal Bank
3175 HIGHWAY 278
COVINGTON, GA 30014
* $ 227,559,000 1 $ 41,000
Intouch Credit Union
P O BOX 250169
PLANO, TX 75025
* $ 779,049,000 1 $ 188,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 109,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 138,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 134,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 80,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,565,602,000 1 $ 80,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 96,000
Century Bank
PO BOX 1507
SANTA FE, NM 87504
* $ 739,557,000 1 $ 13,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 88,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 132,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 80,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,654,173,000 1 $ 3,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ 1,000,000,000 1 $ 93,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 1 $ 137,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ 2,205,113,000 1 $ 213,000
Cypress Bank State Savings Bank
120 S GREER BLVD
PITTSBURG, TX 75686
* $ 176,238,000 1 $ 36,000
Sovereign Bank
17950 PRESTON RD., SUITE 500
DALLAS, TX 75252
* $ 1,111,788,000 1 $ 2,310,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 5,051,504,000 1 $ 295,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 121,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 63,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,533,093,000 1 $ 164,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 134,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 1 $ 143,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 1 $ 720,000
First Command Bank
1 FIRSTCOMM PLAZA
FORT WORTH, TX 76109
* $ 700,411,000 1 $ 15,000
First State Bank
801 E CALIFORNIA STREET
GAINESVILLE, TX 76240
* $ 989,690,000 1 $ 300,000
Bank Snb
608 S MAIN
STILLWATER, OK 74074
* $ 2,347,789,000 1 $ 447,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ 569,056,000 1 $ 24,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 988,439,000 1 $ 95,000
Heritage Bank
1850 PEARLAND PARKWAY
PEARLAND, TX 77581
* $ 213,308,000 1 $ 45,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 154,000
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 1 $ 80,000

The tables below break down 2016 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 2016

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 $67,971,000 $128,000 $2,310,000 $72,000 $2,819,000
Refinancing 331 $43,938,000 $132,000 $720,000 $74,000 $1,244,000
Home Improvement 67 $3,928,000 $58,000 $202,000 $78,000 $369,000

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 652 $80,894,000 $124,000 $455,000 $81,000 $2,819,000
Not applicable 101 $15,072,000 $149,000 $2,310,000 $22,000 $156,000
Not Provided 82 $11,214,000 $136,000 $720,000 $91,000 $1,244,000
Black or African American 47 $4,285,000 $91,000 $220,000 $51,000 $275,000
Hispanic 23 $2,397,000 $104,000 $185,000 $60,000 $118,000
American Indian or Alaskan Native 13 $1,217,000 $93,000 $220,000 $59,000 $121,000
Asian 7 $758,000 $108,000 $136,000 $70,000 $104,000
Native Hawaiin 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) 581 $75,234,000 $129,000 $2,310,000 $91,000 $2,819,000
FHA-insured (Federal Housing Administration) 197 $20,803,000 $105,000 $250,000 $42,000 $156,000
VA-guaranteed (Veterans Administration) 129 $18,060,000 $140,000 $354,000 $44,000 $204,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $1,740,000 $96,000 $165,000 $35,000 $90,000

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 460 $61,544,000 $133,000 $2,310,000 $84,000 $2,819,000
Application Denied By Financial Institution 199 $21,355,000 $107,000 $400,000 $68,000 $600,000
Loan Purchased By The Institution 132 $17,459,000 $132,000 $343,000 $40,000 $312,000
Application Withdrawn By Applicant 71 $9,022,000 $127,000 $328,000 $74,000 $728,000
Application Approved But Not Accepted 32 $3,927,000 $122,000 $313,000 $95,000 $300,000
File Closed For Incompleteness 31 $2,530,000 $81,000 $168,000 $54,000 $205,000
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 34 $2,394,000 $70,000 $400,000 $64,000 $195,000
Debt-To-Income Ratio 26 $2,862,000 $110,000 $250,000 $66,000 $238,000
Collateral 17 $1,849,000 $108,000 $233,000 $58,000 $145,000
Credit Application Incomplete 12 $1,762,000 $146,000 $400,000 $63,000 $149,000
Other 10 $1,248,000 $124,000 $354,000 $86,000 $306,000
Unverifiable Information 2 $343,000 $171,000 $248,000 $129,000 $204,000
Employment History 2 $349,000 $174,000 $291,000 $97,000 $118,000
Insufficient Cash (Downpayment, Closing Cost) 1 $23,000 $23,000 $23,000 $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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