Lawrence County, AL Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,251 mortgage applications in Lawrence County, AL totaling $114.1 million, down 27% from 2013. The average application was for $91,000, and applicants reported an average income of $49,000. 43% of applications resulted in an originated loan and 27% were denied. The most active lender was Evabank, with 134 applications, followed by Bank Independent and Regions Bank.
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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 | 1,251 |
| Total Mortgage Loan Application Amount | $114,115,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $521,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $550,000 |
* 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 |
|---|---|---|---|---|
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 323,275,000 | 134 | $ 5,391,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 1,102,019,000 | 104 | $ 7,756,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 91 | $ 6,864,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 74 | $ 8,921,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 66 | $ 4,682,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 60 | $ 7,558,000 |
| Redstone Federal Credit Union 220 WYNN DRIVE HUNTSVILLE, AL 35893 |
* | $ 3,555,397,000 | 51 | $ 2,022,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 44 | $ 2,135,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,481,480,000 | 39 | $ 2,183,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 39 | $ 3,890,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 232,245,000 | 28 | $ 3,004,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 26 | $ 3,592,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 24 | $ 2,709,000 |
| Champion Community Credit Unio 16601 COUNTY ROAD 150 COURTLAND, AL 35618 |
* | $ 52,294,000 | 21 | $ 1,544,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 21 | $ 2,810,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 130,950,000 | 17 | $ 2,396,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 16 | $ 2,588,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,656,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 14 | $ 2,068,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,733,100,000 | 12 | $ 1,804,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 11 | $ 1,182,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 1,024,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 10 | $ 877,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ 628,536,000 | 10 | $ 668,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 10 | $ 1,217,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 510,905,000 | 10 | $ 658,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 9 | $ 1,020,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,256,102,000 | 9 | $ 1,033,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 9 | $ 929,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 71,737,435,000 | 8 | $ 893,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 140,293,000 | 8 | $ 1,412,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 558,812,000 | 8 | $ 766,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,417,666,000 | 8 | $ 818,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 7 | $ 786,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 7 | $ 311,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 7 | $ 49,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 7 | $ 1,322,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 6 | $ 747,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 6 | $ 711,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 6 | $ 470,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 1,100,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 6 | $ 418,000 |
| Alabama Central 3601 4TH AVE S BIRMINGHAM, AL 35222 |
* | $ 126,977,000 | 6 | $ 671,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 5 | $ 333,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 5 | $ 700,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 4 | $ 567,000 |
| Progress Bank and Trust 201 WILLIAMS AVENUE HUNTSVILLE, AL 35801 |
* | $ 530,092,000 | 4 | $ 675,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,933,259,000 | 4 | $ 164,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 4 | $ 683,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 330,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 4 | $ 646,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 4 | $ 288,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 4 | $ 414,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 617,782,000 | 4 | $ 285,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 513,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 429,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 290,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 6,437,850,000 | 3 | $ 263,000 |
| Valley State Bank 15565 HWY 43 RUSSELLVILLE, AL 35653 |
* | $ 122,878,000 | 3 | $ 157,000 |
| Traditions Bank 109 SECOND AVE NW CULLMAN, AL 35055 |
* | $ 251,677,000 | 3 | $ 179,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 3 | $ 165,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 3 | $ 315,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 400,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 510,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 3 | $ 292,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 407,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 3 | $ 466,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 150,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 326,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 2 | $ 104,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 260,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 145,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 271,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 2 | $ 132,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 403,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 218,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 251,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 156,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Hamilton Home Loans, Inc. 1551 SAWGRASS CORPORATE PARKWAY, STE 300 SUNRISE, FL 33323 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Rushmore Loan Management Servi 15480 LAGUNA CANYON ROAD, SUITE 100 IRVINE, CA 92618 |
* | $ 117,300,000 | 1 | $ 188,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 245,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 128,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Premier Bank of the South P.O. BOX 1708 CULLMAN, AL 35055 |
* | $ 141,558,000 | 1 | $ 400,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,037,879,000 | 1 | $ 121,000 |
| Usameribank 4790 140TH AVE N CLEARWATER, FL 33762 |
* | $ 2,899,494,000 | 1 | $ 88,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 191,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 61,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 11,681,215,000 | 1 | $ 232,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 72,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 243,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 112,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 71,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 80,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 175,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 107,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 130,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 1 | $ 61,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 49,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 147,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 111,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 124,000 |
| First National Bank of Pulaski PO BOX 289 PULASKI, TN 38478 |
* | $ 708,025,000 | 1 | $ 77,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 100,000 |
The tables below break down 2014 mortgage applications in Lawrence County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lawrence County, AL in 2014
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 | 617 | $54,798,000 | $88,000 | $521,000 | $42,000 | $209,000 |
| Refinancing | 506 | $55,574,000 | $109,000 | $400,000 | $57,000 | $550,000 |
| Home Improvement | 128 | $3,743,000 | $29,000 | $225,000 | $49,000 | $255,000 |
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 | 929 | $82,716,000 | $89,000 | $417,000 | $55,000 | $550,000 |
| Not applicable | 130 | $15,221,000 | $117,000 | $400,000 | $6,000 | $131,000 |
| Black or African American | 107 | $8,102,000 | $75,000 | $521,000 | $46,000 | $201,000 |
| Not Provided | 50 | $4,676,000 | $93,000 | $245,000 | $43,000 | $120,000 |
| American Indian or Alaskan Native | 18 | $2,116,000 | $117,000 | $220,000 | $66,000 | $182,000 |
| Hispanic | 16 | $1,164,000 | $72,000 | $192,000 | $48,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $0 | $0 |
| Asian | 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) | 901 | $72,752,000 | $80,000 | $417,000 | $54,000 | $550,000 |
| FHA-insured (Federal Housing Administration) | 184 | $22,325,000 | $121,000 | $268,000 | $38,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 102 | $10,040,000 | $98,000 | $196,000 | $21,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 64 | $8,998,000 | $140,000 | $521,000 | $49,000 | $201,000 |
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 | 534 | $50,439,000 | $94,000 | $521,000 | $60,000 | $550,000 |
| Application Denied By Financial Institution | 343 | $23,668,000 | $69,000 | $280,000 | $43,000 | $237,000 |
| Loan Purchased By The Institution | 172 | $20,545,000 | $119,000 | $273,000 | $19,000 | $135,000 |
| Application Approved But Not Accepted | 108 | $9,410,000 | $87,000 | $417,000 | $56,000 | $415,000 |
| Application Withdrawn By Applicant | 69 | $7,129,000 | $103,000 | $285,000 | $51,000 | $168,000 |
| File Closed For Incompleteness | 25 | $2,924,000 | $116,000 | $227,000 | $54,000 | $144,000 |
| 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 | 65 | $3,432,000 | $52,000 | $191,000 | $45,000 | $153,000 |
| Debt-To-Income Ratio | 20 | $2,048,000 | $102,000 | $224,000 | $34,000 | $67,000 |
| Credit Application Incomplete | 12 | $1,482,000 | $123,000 | $236,000 | $39,000 | $98,000 |
| Collateral | 10 | $1,210,000 | $121,000 | $214,000 | $65,000 | $120,000 |
| Other | 6 | $457,000 | $76,000 | $109,000 | $19,000 | $65,000 |
| Unverifiable Information | 2 | $109,000 | $54,000 | $65,000 | $56,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $172,000 | $86,000 | $100,000 | $50,000 | $61,000 |
| Employment History | 1 | $1,000 | $1,000 | $1,000 | $20,000 | $20,000 |
| 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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