Lauderdale County, MS Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 2,157 mortgage applications in Lauderdale County, MS totaling $396.0 million, down 18% from 2021. The average application was for $183,000, and applicants reported an average income of $90,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was Trustmark Bank, with 293 applications, followed by Regions Bank and Citizens National Bank of Meridian.

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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 2,157
Total Mortgage Loan Application Amount $395,995,000
Average Mortgage Loan Application Amount $183,000
Highest Mortgage Loan Application Amount $50,005,000
Average Applicant Income $90,000
Highest Applicant Income $1,980,000

Mortgage Company List for Lending in Lauderdale County, MS 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
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 17,593,319,000 293 $ 45,995,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 173 $ 13,705,000
Citizens National Bank of Meridian
512 22ND AVENUE
MERIDIAN, MS 39302
* $ 1,763,795,000 144 $ 25,180,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ 4,444,664,000 113 $ 16,735,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 100 $ 10,750,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 89 $ 18,765,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 66 $ 10,670,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 60 $ 9,560,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 5,187,184,000 57 $ 6,785,000
Great Southern Bank
P O BOX 1271
MERIDIAN, MS 39301
* $ 357,911,000 47 $ 7,935,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 43 $ 5,875,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 39 $ 7,355,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 38 $ 7,210,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 37 $ 6,525,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 35 $ 6,585,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 31 $ 5,655,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 29 $ 2,665,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 28 $ 4,130,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 28 $ 5,140,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 24 $ 1,940,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 2,365,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 23 $ 2,655,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 21 $ 3,565,000
The Citizens Bank
521 MAIN ST
PHILADELPHIA, MS 39350
* $ 1,360,976,000 18 $ 1,610,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 3,455,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 16 $ 1,540,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 16 $ 3,250,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 16 $ 3,040,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 2,700,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 15 $ 2,965,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 14 $ 2,160,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 2,700,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 12 $ 2,530,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 1,135,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 11 $ 1,765,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 10 $ 1,560,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 10 $ 1,200,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 9 $ 1,375,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 9 $ 875,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 9 $ 1,515,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 8 $ 510,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 7 $ 765,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,375,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 7 $ 1,085,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 7 $ 415,000
Keesler Federal Credit Union
2602 PASS ROAD
BILOXI, MS 39531
* $ 4,319,920,000 7 $ 875,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 955,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 700,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 6 $ 1,410,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 6 $ 580,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 530,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 6 $ 310,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 6 $ 920,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 6 $ 790,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 5 $ 475,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 5 $ 1,205,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 5 $ 355,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 5 $ 925,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 5 $ 245,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 640,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 4 $ 370,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 960,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 590,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 770,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 4 $ 390,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 4 $ 620,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 605,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 465,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 3 $ 535,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 3 $ 485,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 395,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 195,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 885,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,415,583,000 3 $ 435,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 140,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 2 $ 310,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ -1,000 2 $ 63,920,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 280,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 2 $ 400,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 210,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 431,628,000 2 $ 370,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 2 $ 320,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 340,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 330,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 220,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 400,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 340,000
Bankfirst Financial Services
PO BOX 31
MACON, MS 39341
* $ 1,818,788,000 2 $ 510,000
Amnet Esop Corp dba American Mortgage Network
347 3RD AVE 2ND FLOOR
CHULA VISTA, CA 91910
* $ -1,000 2 $ 500,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ 468,061,000 2 $ 300,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 290,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 1,064,401,000 2 $ 400,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 2 $ 440,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 2 $ 770,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ 1,319,070,000 2 $ 370,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 390,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 2 $ 1,010,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ -1,000 2 $ 360,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 2 $ 150,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 1,071,980,000 2 $ 110,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 390,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 260,000
Merchants & Marine Bank
P. O. BOX 729
PASCAGOULA, MS 39567
* $ 678,860,000 1 $ 225,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 1 $ 15,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 305,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 1 $ 115,000
Copiah Bank
101 CALDWELL DRIVE
HAZLEHURST, MS 39083
* $ 297,184,000 1 $ 75,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 1 $ 195,000
Magnolia State Bank
P O BOX 41
LAUREL, MS 39440
* $ 416,112,000 1 $ 115,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 1 $ 35,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 1 $ 165,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 175,000
Partners Bank
PARTNERS BANK BUILDING, 302 CHERRY ST
HELENA, AR 72342
* $ 351,512,000 1 $ 35,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 85,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,046,578,000 1 $ 135,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 185,000
Powerco Federal Credit Union
241 RALPH MCGILL BLVD. NE
ATLANTA, GA 30308
* $ 195,423,000 1 $ 185,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 265,000
West Alabama Bank & Trust
P O BOX 310
REFORM, AL 35481
* $ 773,500,000 1 $ 115,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 1 $ 75,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 95,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 936,708,000 1 $ 95,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 1 $ 1,705,000
Origin Bank

HOUSTON, TX 77024
* $ 7,798,628,000 1 $ 175,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ -1,000 1 $ 195,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ 332,101,000 1 $ 175,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 85,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 1 $ 65,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 145,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 135,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ 642,830,000 1 $ 235,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 135,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ 15,447,515,000 1 $ 1,165,000
Core Bank
12100 W CENTER RD
OMAHA, NE 68118
* $ 796,827,000 1 $ 145,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,905,965,000 1 $ 8,565,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 167,115,000 1 $ 405,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 105,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 1 $ 185,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 175,000
Priorityone Bank
220 MAIN AVENUE NORTH
MAGEE, MS 39111
* $ 895,997,000 1 $ 35,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 175,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 205,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 1 $ 115,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 75,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 1 $ 155,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 65,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 65,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 185,000
First Fed Bank
105 W 8TH ST
PORT ANGELES, WA 98362
* $ 1,917,431,000 1 $ 95,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 65,000
Bankers Trust Company
453 7TH ST.
DES MOINES, IA 50309
* $ 6,001,858,000 1 $ 125,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,920,266,000 1 $ 285,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 465,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 235,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 165,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 85,000
Liberty Bank
6600 PLAZA DRIVE
NEW ORLEANS, LA 70127
* $ 971,730,000 1 $ 55,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 6,610,753,000 1 $ 235,000

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

Mortgage Loan Application Detail Totals for Lauderdale County, MS 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 1,273 $268,135,000 $210,000 $50,005,000 $88,000 $1,656,000
Refinancing 331 $58,185,000 $175,000 $13,915,000 $108,000 $1,980,000
Cash-out Refinancing 270 $48,720,000 $180,000 $1,705,000 $81,000 $960,000
Other Purpose 135 $10,285,000 $76,000 $455,000 $81,000 $624,000
Home Improvement 133 $9,735,000 $73,000 $1,265,000 $90,000 $500,000
Not Applicable 15 $935,000 $62,000 $155,000 $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 1,115 $175,835,000 $157,000 $905,000 $100,000 $1,980,000
Black or African American 578 $70,910,000 $122,000 $835,000 $69,000 $504,000
Not applicable 194 $107,120,000 $552,000 $50,005,000 $88,000 $164,000
Not Provided 187 $30,335,000 $162,000 $665,000 $74,000 $278,000
Hispanic 37 $5,075,000 $137,000 $405,000 $106,000 $960,000
Asian 25 $3,925,000 $157,000 $385,000 $125,000 $428,000
American Indian or Alaskan Native 15 $1,995,000 $133,000 $185,000 $144,000 $624,000
Native Hawaiian or Other Pacific Islander 1 $225,000 $225,000 $225,000 $101,000 $101,000

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) 1,426 $262,130,000 $183,000 $50,005,000 $96,000 $1,980,000
VA-guaranteed (Veterans Administration) 401 $86,985,000 $216,000 $835,000 $89,000 $414,000
FHA-insured (Federal Housing Administration) 301 $41,845,000 $139,000 $425,000 $63,000 $504,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $5,035,000 $173,000 $315,000 $61,000 $84,000

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 1,053 $240,465,000 $228,000 $50,005,000 $101,000 $1,656,000
Application Denied By Financial Institution 433 $49,535,000 $114,000 $905,000 $69,000 $1,980,000
Application Withdrawn By Applicant 273 $45,505,000 $166,000 $665,000 $88,000 $396,000
Loan Purchased By The Institution 176 $30,820,000 $175,000 $605,000 $92,000 $338,000
File Closed For Incompleteness 129 $16,885,000 $130,000 $405,000 $84,000 $960,000
Application Approved But Not Accepted 90 $12,190,000 $135,000 $625,000 $79,000 $348,000
Preapproval Approved but not Accepted 3 $595,000 $198,000 $295,000 $97,000 $111,000
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
Not applicable 1,657 $336,595,000 $203,000 $50,005,000 $94,000 $1,656,000
Credit History 192 $20,510,000 $106,000 $905,000 $79,000 $1,980,000
Debt-To-Income Ratio 153 $18,845,000 $123,000 $1,225,000 $86,000 $933,000
Collateral 71 $8,755,000 $123,000 $505,000 $71,000 $500,000
Other 33 $4,625,000 $140,000 $455,000 $71,000 $278,000
Credit Application Incomplete 29 $4,455,000 $153,000 $435,000 $67,000 $166,000
Unverifiable Information 18 $1,850,000 $102,000 $245,000 $65,000 $180,000
Insufficient Cash (Downpayment, Closing Cost) 3 $195,000 $65,000 $85,000 $63,000 $82,000
Employment History 1 $165,000 $165,000 $165,000 $94,000 $94,000
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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