Lawrence County, AL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,387 mortgage applications in Lawrence County, AL totaling $134.8 million, up 6% from 2015. The average application was for $97,000, and applicants reported an average income of $51,000. 42% of applications resulted in an originated loan and 28% were denied. The most active lender was Evabank, with 122 applications, followed by Vanderbilt Mortgage and Finance, Inc and Hometrust Mortgage Company.
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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 | 1,387 |
| Total Mortgage Loan Application Amount | $134,752,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $600,000 |
* 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 |
* | $ 348,393,000 | 122 | $ 5,364,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 114 | $ 6,438,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 93 | $ 11,907,000 |
| Redstone Federal Credit Union 220 WYNN DRIVE HUNTSVILLE, AL 35893 |
* | $ 4,285,559,000 | 75 | $ 3,574,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 1,229,510,000 | 74 | $ 5,971,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 69 | $ 9,343,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 66 | $ 5,126,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 45 | $ 2,510,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 43 | $ 5,664,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,515,162,000 | 40 | $ 2,181,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 227,770,000 | 36 | $ 4,409,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 33 | $ 4,201,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 27 | $ 2,705,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 3,300,000,000 | 27 | $ 3,303,000 |
| Champion Community Credit Unio 16601 COUNTY ROAD 150 COURTLAND, AL 35618 |
* | $ 54,617,000 | 25 | $ 1,900,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 21 | $ 3,121,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 18 | $ 2,438,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 17 | $ 926,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 2,324,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ 687,956,000 | 14 | $ 1,038,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,400,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 12 | $ 523,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,599,286,000 | 12 | $ 1,420,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 85,426,845,000 | 11 | $ 691,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 11 | $ 1,429,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 11 | $ 1,291,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 10 | $ 1,163,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 10 | $ 1,495,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 9 | $ 1,571,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,837,000 |
| Family Security Credit Union 2204 FAMILY SECURITY PLACE SW DECATUR, AL 35603 |
* | $ 557,320,000 | 8 | $ 667,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 8 | $ 1,281,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 8 | $ 1,299,000 |
| Progress Bank and Trust 201 WILLIAMS AVENUE HUNTSVILLE, AL 35801 |
* | $ 635,254,000 | 8 | $ 1,060,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 8 | $ 1,235,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 792,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 8 | $ 393,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 7 | $ 681,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 7 | $ 202,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 7 | $ 610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 7 | $ 1,058,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 6 | $ 1,087,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 6 | $ 823,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 5 | $ 71,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 5 | $ 570,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 5 | $ 668,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 5 | $ 705,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 405,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 507,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 4 | $ 528,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 859,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 4 | $ 560,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 4 | $ 558,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 392,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 615,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 380,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 109,752,000 | 3 | $ 180,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 3 | $ 198,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 314,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 292,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 3 | $ 277,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 651,466,000 | 3 | $ 309,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 3 | $ 303,000 |
| Alabama Central 3601 4TH AVE S BIRMINGHAM, AL 35222 |
* | $ 136,559,000 | 3 | $ 206,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 687,258,000 | 3 | $ 351,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 3 | $ 685,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 308,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 3 | $ 473,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 93,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 230,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 322,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 201,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 314,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 332,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 488,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 393,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 326,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 557,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 2 | $ 202,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 132,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 406,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 287,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 489,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 209,000 |
| Traditions Bank 109 SECOND AVE NW CULLMAN, AL 35055 |
* | $ 299,011,000 | 2 | $ 232,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 947,219,000 | 1 | $ 50,000 |
| Premier Bank of the South P.O. BOX 1708 CULLMAN, AL 35055 |
* | $ 159,213,000 | 1 | $ 40,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 567,648,000 | 1 | $ 245,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 384,114,000 | 1 | $ 68,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 133,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 8,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 83,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 130,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 150 RICHARDSON, TX 75083 |
* | $ 2,214,138,000 | 1 | $ 110,000 |
| Apci Federal Credit Union PO BOX 20147 LEHIGH VALLEY, PA 18002 |
* | $ 529,279,000 | 1 | $ 10,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,776,865,000 | 1 | $ 99,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 132,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 185,000 |
| The Home Lending Group, LLC 215 KATHERINE DRIVE FLOWOOD, MS 39232 |
* | $ 22,596,000 | 1 | $ 128,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 1 | $ 218,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 284,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 275,000 |
| Orion Federal Credit Union 7845 HIGHWAY 64 MEMPHIS, TN 38103 |
* | $ 595,215,000 | 1 | $ 129,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Valley Credit Union P O BOX 388 TUSCUMBIA, AL 35674 |
* | $ 68,869,000 | 1 | $ 59,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 100,000 |
| National Bank of Commerce 813 SHADES CREEK PARKWAY SUITE 100 BIRMINGHAM, AL 35209 |
* | $ 1,761,248,000 | 1 | $ 465,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 413,000 |
| First National Bank of Pulaski PO BOX 289 PULASKI, TN 38478 |
* | $ 738,904,000 | 1 | $ 62,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 157,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,882,500,000 | 1 | $ 50,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,565,602,000 | 1 | $ 183,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 6,656,748,000 | 1 | $ 208,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 162,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 118,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 108,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 77,000 |
The tables below break down 2016 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 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 | 704 | $65,543,000 | $93,000 | $465,000 | $48,000 | $450,000 |
| Refinancing | 543 | $66,111,000 | $121,000 | $850,000 | $56,000 | $600,000 |
| Home Improvement | 140 | $3,098,000 | $22,000 | $199,000 | $49,000 | $183,000 |
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 | 1,018 | $98,427,000 | $96,000 | $850,000 | $55,000 | $515,000 |
| Black or African American | 120 | $8,547,000 | $71,000 | $383,000 | $49,000 | $600,000 |
| Not applicable | 104 | $12,525,000 | $120,000 | $325,000 | $13,000 | $116,000 |
| Not Provided | 75 | $7,926,000 | $105,000 | $413,000 | $50,000 | $380,000 |
| American Indian or Alaskan Native | 49 | $5,744,000 | $117,000 | $325,000 | $61,000 | $139,000 |
| Hispanic | 16 | $815,000 | $50,000 | $162,000 | $54,000 | $131,000 |
| Asian | 5 | $768,000 | $153,000 | $189,000 | $77,000 | $154,000 |
| 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) | 923 | $78,230,000 | $84,000 | $850,000 | $57,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 294 | $33,092,000 | $112,000 | $265,000 | $40,000 | $450,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $10,583,000 | $111,000 | $186,000 | $30,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 75 | $12,847,000 | $171,000 | $383,000 | $47,000 | $148,000 |
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 | 580 | $59,367,000 | $102,000 | $394,000 | $59,000 | $380,000 |
| Application Denied By Financial Institution | 393 | $29,859,000 | $75,000 | $465,000 | $49,000 | $600,000 |
| Loan Purchased By The Institution | 140 | $17,360,000 | $124,000 | $325,000 | $24,000 | $186,000 |
| File Closed For Incompleteness | 126 | $11,199,000 | $88,000 | $299,000 | $47,000 | $163,000 |
| Application Withdrawn By Applicant | 93 | $11,762,000 | $126,000 | $413,000 | $54,000 | $275,000 |
| Application Approved But Not Accepted | 54 | $5,057,000 | $93,000 | $850,000 | $64,000 | $216,000 |
| Preapproval Denied by Financial Institution | 1 | $148,000 | $148,000 | $148,000 | $46,000 | $46,000 |
| Preapproval Approved but not Accepted | 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 | 63 | $3,112,000 | $49,000 | $275,000 | $54,000 | $450,000 |
| Debt-To-Income Ratio | 23 | $1,638,000 | $71,000 | $300,000 | $40,000 | $137,000 |
| Collateral | 18 | $2,675,000 | $148,000 | $465,000 | $88,000 | $515,000 |
| Credit Application Incomplete | 6 | $682,000 | $113,000 | $171,000 | $45,000 | $91,000 |
| Other | 5 | $555,000 | $111,000 | $185,000 | $33,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $161,000 | $53,000 | $103,000 | $23,000 | $40,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $60,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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