Lawrence County, MO Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,431 mortgage applications in Lawrence County, MO totaling $157.6 million, up 17% from 2014. The average application was for $110,000, and applicants reported an average income of $49,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Arvest Bank, with 94 applications, followed by Mid-Missouri Bank and Das Acquisition Company, LLC.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,431
Total Mortgage Loan Application Amount $157,592,000
Average Mortgage Loan Application Amount $110,000
Highest Mortgage Loan Application Amount $5,545,000
Average Applicant Income $49,000
Highest Applicant Income $500,000

Mortgage Company List for Lending in Lawrence County, MO for 2015

* 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
Arvest Bank

TULSA, OK 74103
* $ 14,944,176,000 94 $ 9,002,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 596,899,000 71 $ 5,448,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 58 $ 6,494,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 53 $ 5,607,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,951,538,000 52 $ 8,808,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 49 $ 4,819,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 44 $ 2,525,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 43 $ 5,073,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 40 $ 2,954,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 39 $ 4,253,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 38 $ 4,579,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 36 $ 3,615,000
Simmons First National Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 4,633,578,000 34 $ 3,367,000
Peoples Community Bank
PO BOX 350
GREENVILLE, MO 63944
* $ 320,553,000 33 $ 2,256,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 33 $ 4,108,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ 250,620,000 27 $ 5,298,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 23 $ 2,355,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 23 $ 2,700,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 22 $ 2,184,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 21 $ 1,180,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 20 $ 1,733,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 17 $ 1,953,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ 201,390,000 17 $ 2,216,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 17 $ 1,139,000
Bank of Billings
P O BOX 70
BILLINGS, MO 65610
* $ 51,925,000 16 $ 1,043,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ 31,000,000 15 $ 1,974,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 15 $ 2,134,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 17,212,558,000 14 $ 945,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 23,881,169,000 14 $ 1,263,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 329,263,000 13 $ 1,821,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 12 $ 1,378,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ 1,300,000 12 $ 1,740,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 11 $ 1,450,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 11 $ 1,421,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 627,880,000 9 $ 1,182,000
Southwest Missouri Bank
300 WEST THIRD STREET
CARTHAGE, MO 64836
* $ 649,537,000 9 $ 749,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 9 $ 883,000
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ 211,560,000 8 $ 2,323,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 8 $ 631,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 8 $ 1,020,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 7 $ 747,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 7 $ 978,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,425,574,000 7 $ 1,308,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 146,080,000 7 $ 190,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 144,268,000 7 $ 960,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 7 $ 722,000
Central Bank of the Ozarks
1800 S. GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,062,780,000 7 $ 426,000
Central Bank of Boone County
720 E. BROADWAY
COLUMBIA, MO 65201
* $ 1,448,928,000 6 $ 159,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 6 $ 549,000
Community Bank and Trust
100 SOUTH WOOD ST
NEOSHO, MO 64850
* $ 298,866,000 6 $ 882,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 6 $ 734,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 597,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 515,000
Hometown Bank, National Association
PO BOX 797
CARTHAGE, MO 64836
* $ 157,600,000 6 $ 411,000
Metropolitan National Bank
600 S GLENSTONE ABE
SPRINGFIELD, MO 65802
* $ 446,170,000 5 $ 2,137,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 5 $ 796,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 465,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 5 $ 480,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 588,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 5 $ 822,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 4 $ 678,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 4 $ 415,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,314,758,000 4 $ 399,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 4 $ 733,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 4 $ 144,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 3 $ 370,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 3 $ 304,000
First Home Bank
P.O. BOX 807
MOUNTAIN GROVE, MO 65711
* $ 196,800,000 3 $ 585,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 3 $ 293,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 3 $ 219,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 3 $ 337,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,099,674,000 3 $ 358,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 3 $ 163,000
Legacy Bank & Trust
1500 N MAIN ST
MOUNTAIN GROVE, MO 65711
* $ 123,995,000 3 $ 560,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 3 $ 575,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 3 $ 293,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,158,075,000 3 $ 351,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 2 $ 201,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 460,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 2 $ 360,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 341,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 188,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 2 $ 311,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 2 $ 156,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 692,541,000 2 $ 68,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 133,398,000 2 $ 344,000
Bank of Bolivar
PO BOX 560, 495 S. SPRINGFIELD
BOLIVAR, MO 65613
* $ 224,836,000 2 $ 261,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 377,710,000 2 $ 245,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ 1,341,000 2 $ 200,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ 5,324,994,000 2 $ 340,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 237,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 2 $ 118,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 2 $ 33,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 146,069,000 2 $ 195,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 147,431,000 2 $ 251,000
Blue Ridge Bank and Trust Co.
4200 LITTLE BLUE PARKWAY
INDEPENDENCE, MO 64057
* $ 481,493,000 2 $ 296,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 144,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 2 $ 375,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 353,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 44,281,869,000 1 $ 200,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 1 $ 77,000
America's Credit Union
2154 FOREST LN.
GARLAND, TX 75042
* $ 190,462,000 1 $ 162,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 1 $ 234,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 831,994,000 1 $ 136,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 660,993,000 1 $ 30,000
Foundation Credit Union
1726 W. ELFINDALE ST.
SPRINGFIELD, MO 65807
* $ 62,951,000 1 $ 40,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 150,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 245,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 890,389,000 1 $ 53,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,672,142,000 1 $ 117,000
Cornerstone Bank, the
117 N. MAIN
SOUTHWEST CITY, MO 64863
* $ 131,035,000 1 $ 31,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 189,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 1 $ 297,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 3,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 152,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 69,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 115,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 968,312,000 1 $ 210,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 1 $ 168,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 233,000
Springfield First Community Bank
2006 S GLENSTONE AVENUE
SPRINGFIELD, MO 65804
* $ 348,974,000 1 $ 118,000
Heritage State Bank
1625 HEDGES PLAZA
NEVADA, MO 64772
* $ 135,842,000 1 $ 45,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 1 $ 160,000
Telcomm
2155 E SUNSHINE
SPRINGFIELD, MO 65804
* $ 128,941,000 1 $ 35,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 487,284,000 1 $ 116,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 112,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 150,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ 4,689,000 1 $ 51,000
Town & Country Bank
PO BOX 349
SALEM, MO 65560
* $ 507,034,000 1 $ 174,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 113,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 1 $ 115,000
Private Bank of Buckhead
3565 PIEDMONT ROAD, BLDG 3, STE 210
ATLANTA, GA 30305
* $ 245,738,000 1 $ 142,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 46,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ 708,312,000 1 $ 417,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 76,205,000 1 $ 158,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 463,562,000 1 $ 235,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 20,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 4,037,913,000 1 $ 23,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 123,000
Multipli Credit Union
818 N BENTON AVE
SPRINGFIELD, MO 65802
* $ 95,452,000 1 $ 126,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 479,751,000 1 $ 76,000

The tables below break down 2015 mortgage applications in Lawrence County, MO 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, MO in 2015

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 690 $78,350,000 $113,000 $5,545,000 $45,000 $283,000
Refinancing 629 $74,247,000 $118,000 $986,000 $52,000 $500,000
Home Improvement 112 $4,995,000 $44,000 $823,000 $58,000 $291,000

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 1,121 $117,997,000 $105,000 $986,000 $57,000 $500,000
Not applicable 191 $28,551,000 $149,000 $5,545,000 $3,000 $147,000
Not Provided 72 $7,686,000 $106,000 $417,000 $62,000 $250,000
Hispanic 34 $2,544,000 $74,000 $262,000 $50,000 $126,000
American Indian or Alaskan Native 10 $641,000 $64,000 $117,000 $47,000 $90,000
Asian 2 $133,000 $66,000 $87,000 $22,000 $23,000
Black or African American 1 $40,000 $40,000 $40,000 $12,000 $12,000
Native Hawaiian 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) 874 $92,545,000 $105,000 $5,545,000 $60,000 $500,000
FHA-insured (Federal Housing Administration) 232 $25,857,000 $111,000 $273,000 $36,000 $134,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 178 $19,428,000 $109,000 $663,000 $26,000 $188,000
VA-guaranteed (Veterans Administration) 147 $19,762,000 $134,000 $355,000 $38,000 $166,000

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 762 $89,434,000 $117,000 $5,545,000 $56,000 $300,000
Application Denied By Financial Institution 252 $22,068,000 $87,000 $531,000 $52,000 $320,000
Loan Purchased By The Institution 206 $23,334,000 $113,000 $288,000 $15,000 $179,000
Application Withdrawn By Applicant 109 $12,840,000 $117,000 $403,000 $54,000 $180,000
File Closed For Incompleteness 76 $7,273,000 $95,000 $355,000 $55,000 $500,000
Application Approved But Not Accepted 26 $2,643,000 $101,000 $524,000 $64,000 $232,000
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 40 $2,762,000 $69,000 $280,000 $63,000 $320,000
Collateral 29 $3,219,000 $111,000 $315,000 $60,000 $256,000
Debt-To-Income Ratio 24 $2,525,000 $105,000 $240,000 $51,000 $110,000
Credit Application Incomplete 8 $823,000 $102,000 $137,000 $29,000 $67,000
Other 7 $660,000 $94,000 $179,000 $72,000 $150,000
Unverifiable Information 6 $500,000 $83,000 $125,000 $80,000 $250,000
Employment History 3 $114,000 $38,000 $60,000 $29,000 $47,000
Insufficient Cash (Downpayment, Closing Cost) 2 $118,000 $59,000 $67,000 $23,000 $27,000
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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