Lassen County, CA Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,093 mortgage applications in Lassen County, CA totaling $212.1 million, down 43% from 2021. The average application was for $194,000, and applicants reported an average income of $94,000. 48% of applications resulted in an originated loan and 14% were denied. The most active lender was Axia Financial LLC, with 139 applications, followed by US Bank, N.A. and Summit Funding.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 1,093
Total Mortgage Loan Application Amount $212,055,000
Average Mortgage Loan Application Amount $194,000
Highest Mortgage Loan Application Amount $645,000
Average Applicant Income $94,000
Highest Applicant Income $1,619,000

Mortgage Company List for Lending in Lassen County, CA for 2022

* 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
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 139 $ 28,405,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 75 $ 10,575,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 49 $ 10,535,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 44 $ 8,500,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 44 $ 10,130,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 29 $ 6,625,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 28 $ 7,010,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 25 $ 5,305,000
The Golden 1 Credit Union
8945 CAL CENTER DR
SACRAMENTO, CA 95826
* $ 18,331,687,000 24 $ 2,130,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 22 $ 3,470,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 21 $ 5,335,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 19 $ 3,605,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 18 $ 3,470,000
Sierra Central Credit Union
1351 HARTER PARKWAY
YUBA CITY, CA 95993
* $ 1,450,441,000 16 $ 2,460,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 3,325,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 15 $ 2,345,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 14 $ 3,220,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 14 $ 2,270,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 13 $ 2,935,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 13 $ 1,405,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 13 $ 1,315,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 12 $ 1,470,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 2,105,000
Tri Counties Bank
63 CONSTITUTION DRIVE
CHICO, CA 95973
* $ 8,608,715,000 10 $ 1,660,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 10 $ 630,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 9 $ 2,345,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 9 $ 1,525,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 1,170,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,620,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 8 $ 2,230,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,810,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 1,440,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 7 $ 1,475,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 7 $ 1,905,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 7 $ 1,715,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 7 $ 1,835,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,755,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 6 $ 1,130,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,170,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 760,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 995,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 5 $ 885,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 1,675,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 5 $ 695,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 1,185,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 1,080,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 4 $ 880,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 4 $ 590,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 4 $ 730,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 4 $ 640,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 4 $ 1,200,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 4 $ 730,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 4 $ 990,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 605,000
Travis Credit Union
ONE TRAVIS WAY
VACAVILLE, CA 95687
* $ 4,695,813,000 3 $ 675,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 805,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 795,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 515,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 245,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 3 $ 725,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 3 $ 325,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 585,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 755,000
Generations Home Loans, LLC
1156 SCENIC DRIVE SUITE 200
MODESTO, CA 95350
* $ -1,000 3 $ 435,000
Infinity Equity Group, Inc.
2285 HILLTOP DR SUITE 100
REDDING, CA 96002
* $ -1,000 3 $ 405,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 3 $ 275,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 825,000
Jmj Financial Group Inc.
26800 ALISO VIEJO PARKWAY STE 200
ALISO VIEJO, CA 92656
* $ -1,000 3 $ 695,000
Mountain West Financial, Inc.
1209 NEVADA ST. SUITE 200
REDLANDS, CA 92374
* $ -1,000 3 $ 305,000
Members 1st Credit Union
PO BOX 492395
REDDING, CA 96003
* $ 307,109,000 2 $ 250,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 500,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 280,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 2 $ 250,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 180,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 450,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 460,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 2 $ 370,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 550,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 200,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 240,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 320,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ -1,000 2 $ 820,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 440,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 2 $ 270,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 250,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 510,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 2 $ 460,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 530,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ -1,000 2 $ 390,000
Greater Nevada Mortgage
4070 SILVER SAGE DRIVE
CARSON CITY, NV 89701
* $ -1,000 2 $ 180,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 260,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 2 $ 500,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 470,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 180,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 2 $ 550,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,413,912,000 2 $ 90,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 270,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 205,000
San Francisco Fire Credit Union
3201 CALIFORNIA STREET
SAN FRANCISCO, CA 94118
* $ 1,733,829,000 1 $ 45,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 155,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 75,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 185,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 185,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 105,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 65,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 1 $ 105,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 135,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 235,000
Sacramento Credit Union
800 H ST
SACRAMENTO, CA 95814
* $ 686,875,000 1 $ 295,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 205,000
Lending 3, Inc
17220 NEWHOPE ST. SUITE 213
FOUNTAIN VALLEY, CA 92708
* $ -1,000 1 $ 215,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 105,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ -1,000 1 $ 355,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ -1,000 1 $ 145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 405,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 225,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 365,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 165,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 225,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 255,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 255,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 165,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 355,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 175,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 165,000
Educational Employees Credit Union
P.O. BOX 5242
FRESNO, CA 93755
* $ 4,681,848,000 1 $ 75,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 1 $ 365,000
San Diego County Credit Union
6545 SEQUENCE DRIVE
SAN DIEGO, CA 92121
* $ 10,817,931,000 1 $ 435,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 385,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 115,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 1 $ 165,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 2,055,157,000 1 $ 265,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 125,000
Patelco Credit Union
5050 HOPYARD ROAD
DUBLIN, CA 94568
* $ 9,047,987,000 1 $ 35,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 335,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 135,000
Dignified Home Loans LLC
1 BAXTER WAY, SUITE 120
WESTLAKE VILLAGE, CA 91362
* $ -1,000 1 $ 245,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 95,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 65,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 155,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 155,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 1 $ 215,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 115,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 1 $ 105,000

The tables below break down 2022 mortgage applications in Lassen County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lassen County, CA in 2022

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 571 $122,505,000 $214,000 $645,000 $97,000 $1,619,000
Cash-out Refinancing 231 $46,525,000 $201,000 $535,000 $83,000 $327,000
Refinancing 186 $34,570,000 $185,000 $595,000 $91,000 $243,000
Other Purpose 54 $4,410,000 $81,000 $325,000 $104,000 $663,000
Home Improvement 46 $3,310,000 $71,000 $205,000 $100,000 $346,000
Not Applicable 5 $735,000 $147,000 $215,000 $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 629 $119,065,000 $189,000 $645,000 $95,000 $1,619,000
Not Provided 180 $34,280,000 $190,000 $595,000 $91,000 $345,000
Not applicable 124 $28,050,000 $226,000 $545,000 $124,000 $160,000
Hispanic 100 $18,600,000 $186,000 $425,000 $94,000 $346,000
Black or African American 20 $4,220,000 $211,000 $485,000 $66,000 $177,000
American Indian or Alaskan Native 19 $3,865,000 $203,000 $585,000 $98,000 $194,000
Asian 13 $2,585,000 $198,000 $355,000 $104,000 $327,000
Native Hawaiian or Other Pacific Islander 5 $965,000 $193,000 $215,000 $82,000 $153,000

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) 663 $114,795,000 $173,000 $645,000 $101,000 $1,619,000
FHA-insured (Federal Housing Administration) 242 $51,530,000 $212,000 $445,000 $78,000 $236,000
VA-guaranteed (Veterans Administration) 140 $37,320,000 $266,000 $545,000 $86,000 $254,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 48 $8,410,000 $175,000 $265,000 $67,000 $105,000

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 530 $104,780,000 $197,000 $645,000 $96,000 $1,543,000
Application Withdrawn By Applicant 191 $39,575,000 $207,000 $525,000 $88,000 $345,000
Application Denied By Financial Institution 157 $24,045,000 $153,000 $565,000 $86,000 $663,000
Loan Purchased By The Institution 127 $27,615,000 $217,000 $535,000 $106,000 $174,000
File Closed For Incompleteness 53 $9,775,000 $184,000 $485,000 $118,000 $1,619,000
Application Approved But Not Accepted 23 $3,895,000 $169,000 $295,000 $90,000 $194,000
Preapproval Approved but not Accepted 6 $1,360,000 $226,000 $465,000 $84,000 $195,000
Preapproval Denied by Financial Institution 6 $1,010,000 $168,000 $365,000 $43,000 $83,000

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 930 $187,000,000 $201,000 $645,000 $95,000 $1,619,000
Collateral 49 $8,205,000 $167,000 $515,000 $89,000 $328,000
Debt-To-Income Ratio 33 $5,395,000 $163,000 $565,000 $45,000 $137,000
Credit History 32 $3,780,000 $118,000 $435,000 $114,000 $663,000
Credit Application Incomplete 24 $4,230,000 $176,000 $335,000 $86,000 $300,000
Unverifiable Information 10 $1,030,000 $103,000 $225,000 $82,000 $178,000
Other 9 $1,065,000 $118,000 $325,000 $98,000 $149,000
Employment History 3 $595,000 $198,000 $245,000 $79,000 $144,000
Insufficient Cash (Downpayment, Closing Cost) 3 $755,000 $251,000 $365,000 $87,000 $116,000
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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