Lampasas County, TX Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,169 mortgage applications in Lampasas County, TX totaling $300.0 million, up 14% from 2024. The average application was for $256,000, and applicants reported an average income of $118,000. 48% of applications resulted in an originated loan and 17% were denied. The most active lender was Fairway Independent Mort Corp, with 62 applications, followed by Lennar Mortgage, LLC and PennyMac Loan Services LLC.

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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 1,169
Total Mortgage Loan Application Amount $299,995,000
Average Mortgage Loan Application Amount $256,000
Highest Mortgage Loan Application Amount $2,005,000
Average Applicant Income $118,000
Highest Applicant Income $1,043,000

Mortgage Company List for Lending in Lampasas County, TX for 2025

* 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
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 62 $ 19,030,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ n/a 61 $ 17,385,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 53 $ 14,765,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 50 $ 17,450,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 48 $ 16,320,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 39 $ 6,505,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 39 $ 12,275,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 36 $ 6,500,000
First Texas Bank
501 E 3RD
LAMPASAS, TX 76550
* $ n/a 34 $ 6,660,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 33 $ 4,105,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 30 $ 11,210,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 30 $ 9,740,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 27 $ 6,995,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 22 $ 4,440,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 20 $ 5,520,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ n/a 18 $ 5,530,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 18 $ 4,300,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 14 $ 1,880,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 14 $ 2,710,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 14 $ 4,460,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 13 $ 2,025,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 12 $ 2,330,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 12 $ 3,170,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 11 $ 3,805,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 10 $ 1,740,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 10 $ 3,220,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 2,570,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 10 $ 2,880,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 10 $ 1,900,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 9 $ 1,035,000
Kangaroo Home Lending, LLC
4094 STATE HIGHWAY 6 SOUTH
COLLEGE STATION, TX 77845
* $ n/a 9 $ 2,505,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 9 $ 845,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 9 $ 1,575,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 9 $ 675,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 9 $ 3,575,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 9 $ 2,365,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 8 $ 2,330,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ n/a 8 $ 1,470,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 8 $ 2,400,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 8 $ 2,550,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 8 $ 1,960,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 8 $ 880,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 7 $ 2,025,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 7 $ 805,000
Sente Mortgage, Inc.
4520 BURNET ROAD
AUSTIN, TX 78756
* $ n/a 7 $ 1,795,000
Extraco Banks, NA
18 SOUTH MAIN STREET
TEMPLE, TX 76502
* $ n/a 7 $ 1,565,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 6 $ 630,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 6 $ 2,160,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 5 $ 665,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 5 $ 935,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ n/a 4 $ 1,700,000
First Continental Mortgage, Ltd.
11011 RICHMOND AVENUE, SUITE 800
HOUSTON, TX 77072
* $ n/a 4 $ 900,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 1,170,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 1,030,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 200,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 1,110,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ n/a 4 $ 870,000
First Texas Bank
PO BOX 649
GEORGETOWN, TX 78626
* $ n/a 4 $ 1,390,000
Spark Mortgage, LLC
800 KENNEDY COURT SUITE B
BELTON, TX 76513
* $ n/a 4 $ 900,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 4 $ 380,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 4 $ 1,620,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 4 $ 900,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 3 $ 845,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 3 $ 695,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 3 $ 1,175,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 1,145,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 3 $ 835,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 485,000
Texell Credit Union
PO BOX 983
TEMPLE, TX 76503
* $ n/a 3 $ 505,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 885,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 3 $ 675,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 3 $ 375,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 1,035,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 3 $ 1,275,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ n/a 2 $ 1,090,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ n/a 2 $ 810,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 2 $ 280,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 680,000
First National Bank of Evant
115 N MEMORY LN
EVANT, TX 76525
* $ n/a 2 $ 210,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ n/a 2 $ 960,000
Amplify Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ n/a 2 $ 530,000
Wagon Hill Home Loans LLC
4700 W SAM HOUSTON PKWY N
HOUSTON, TX 77041
* $ n/a 2 $ 790,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 2 $ 240,000
Certified Funding, L.P.
17304 PRESTON RD STE 620
DALLAS, TX 75252
* $ n/a 2 $ 150,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 140,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 400,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 2 $ 390,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 2 $ 610,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ n/a 2 $ 890,000
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ n/a 2 $ 800,000
Pilgrim Mortgage LLC
1270 N LOOP 1604 E STE 1101
SAN ANTONIO, TX 78232
* $ n/a 2 $ 610,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 960,000
Stellar Bank
9 GREENWAY PLAZA, SUITE 110
HOUSTON, TX 77046
* $ n/a 2 $ 270,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 420,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 300,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 2 $ 480,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 305,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 245,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 1 $ 185,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 1 $ 335,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 145,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 255,000
First Central Credit Union
6201 SANGER AVENUE
WACO, TX 76710
* $ n/a 1 $ 65,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ n/a 1 $ 265,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 295,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 275,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 315,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 305,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 235,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 195,000
Government Employees Federal Credit Union
10806 METRIC BLVD.
AUSTIN, TX 78758
* $ n/a 1 $ 55,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 1 $ 145,000
Developer's Mortgage Company
2700 E DUBLIN GRANVILLE RD SUITE 460
COLUMBUS, OH 43219
* $ n/a 1 $ 225,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 215,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 305,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 85,000
Security Bank of Texas
PO BOX 90
CRAWFORD, TX 76638
* $ n/a 1 $ 125,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ n/a 1 $ 35,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 1,975,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 295,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 255,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 205,000
Austin Telco FCU
8929 SHOAL CREEK BLVD
AUSTIN, TX 78759
* $ n/a 1 $ 185,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ n/a 1 $ 205,000
Texans Credit Union
777 E. CAMPBELL ROAD #300
RICHARDSON, TX 75081
* $ n/a 1 $ 155,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 265,000
Capitol Credit Union
11902 A BURNET RD
AUSTIN, TX 78758
* $ n/a 1 $ 135,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 385,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 445,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 725,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 115,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 1 $ 485,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 365,000
First Basin Credit Union
2740 NORTH COUNTY ROAD WEST
ODESSA, TX 79764
* $ n/a 1 $ 265,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 35,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 255,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 205,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ n/a 1 $ 105,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 255,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 1 $ 45,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 1 $ 265,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ n/a 1 $ 215,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 175,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ n/a 1 $ 265,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 1 $ 305,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 1 $ 385,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 1 $ 75,000
Ardri LLC
27001 AGOURA ROAD #100
CALABASAS, CA 91301
* $ n/a 1 $ 235,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ n/a 1 $ 305,000
Greater Texas FCU
1180 AIRPORT BLVD
AUSTIN, TX 78727
* $ n/a 1 $ 115,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 1 $ 115,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ n/a 1 $ 205,000
Directions Equity, LLC
2915 W BITTERS RD #102
SAN ANTONIO, TX 78248
* $ n/a 1 $ 645,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 245,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 295,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 275,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 315,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 355,000

The tables below break down 2025 mortgage applications in Lampasas 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 Lampasas County, TX 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 660 $180,500,000 $273,000 $1,975,000 $116,000 $831,000
Refinancing 218 $67,020,000 $307,000 $725,000 $123,000 $1,043,000
Cash-out Refinancing 160 $34,270,000 $214,000 $645,000 $112,000 $336,000
Other Purpose 82 $13,300,000 $162,000 $2,005,000 $124,000 $757,000
Home Improvement 49 $4,905,000 $100,000 $345,000 $134,000 $535,000
Not Applicable 0 $0 $0 $0 $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 601 $145,705,000 $242,000 $2,005,000 $121,000 $1,043,000
Not Provided 165 $44,805,000 $271,000 $725,000 $121,000 $831,000
Not applicable 141 $37,765,000 $267,000 $1,975,000 $130,000 $234,000
Hispanic 141 $38,875,000 $275,000 $645,000 $105,000 $411,000
Black or African American 65 $19,765,000 $304,000 $625,000 $122,000 $330,000
Asian 28 $7,340,000 $262,000 $605,000 $106,000 $486,000
American Indian or Alaskan Native 16 $2,830,000 $176,000 $355,000 $87,000 $149,000
Native Hawaiian or Other Pacific Islander 12 $2,910,000 $242,000 $495,000 $107,000 $165,000

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) 617 $124,275,000 $201,000 $2,005,000 $121,000 $1,043,000
VA-guaranteed (Veterans Administration) 423 $143,455,000 $339,000 $705,000 $117,000 $440,000
FHA-insured (Federal Housing Administration) 120 $30,470,000 $253,000 $535,000 $95,000 $234,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $1,795,000 $199,000 $345,000 $93,000 $127,000

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 561 $152,545,000 $271,000 $1,055,000 $126,000 $1,043,000
Application Denied By Financial Institution 194 $37,980,000 $195,000 $625,000 $92,000 $451,000
Application Withdrawn By Applicant 170 $47,200,000 $277,000 $2,005,000 $121,000 $810,000
Loan Purchased By The Institution 133 $35,625,000 $267,000 $645,000 $122,000 $234,000
File Closed For Incompleteness 61 $14,115,000 $231,000 $505,000 $109,000 $319,000
Application Approved But Not Accepted 48 $12,160,000 $253,000 $645,000 $126,000 $342,000
Preapproval Approved but not Accepted 1 $265,000 $265,000 $265,000 $165,000 $165,000
Preapproval Denied by Financial Institution 1 $105,000 $105,000 $105,000 $50,000 $50,000

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 939 $254,375,000 $270,000 $2,005,000 $123,000 $1,043,000
Debt-To-Income Ratio 87 $17,815,000 $204,000 $1,055,000 $94,000 $535,000
Credit History 54 $8,470,000 $156,000 $505,000 $91,000 $440,000
Collateral 27 $5,955,000 $220,000 $535,000 $118,000 $237,000
Credit Application Incomplete 24 $5,050,000 $210,000 $625,000 $85,000 $155,000
Other 21 $5,285,000 $251,000 $585,000 $128,000 $451,000
Unverifiable Information 11 $1,935,000 $175,000 $345,000 $106,000 $268,000
Employment History 3 $605,000 $201,000 $275,000 $95,000 $216,000
Insufficient Cash (Downpayment, Closing Cost) 3 $505,000 $168,000 $195,000 $62,000 $63,000
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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