Lawrence County, MO Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,444 mortgage applications in Lawrence County, MO totaling $156.6 million, up 5% from 2017. The average application was for $108,000, and applicants reported an average income of $62,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Arvest Bank, with 116 applications, followed by US Bank, N.A. and Simmons Bank.

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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 1,444
Total Mortgage Loan Application Amount $156,630,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $605,000
Average Applicant Income $62,000
Highest Applicant Income $600,000

Mortgage Company List for Lending in Lawrence County, MO for 2018

* 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
* $ 16,758,528,000 116 $ 10,470,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 100 $ 7,600,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 9,380,854,000 55 $ 4,265,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 52 $ 7,160,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 46 $ 3,280,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 46 $ 5,960,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 42 $ 5,600,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,417,210,000 41 $ 3,875,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 40 $ 4,630,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 614,207,000 39 $ 2,975,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ 387,491,000 37 $ 4,535,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 33 $ 2,225,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 33 $ 4,685,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 32 $ 4,030,000
Peoples Community Bank
PO BOX 350
GREENVILLE, MO 63944
* $ 449,495,000 28 $ 2,910,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 799,815,000 24 $ 2,210,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 24 $ 3,610,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 24 $ 2,460,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 24 $ 1,680,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 21,557,938,000 22 $ 1,320,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 21 $ 1,245,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 19 $ 1,675,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 715,005,000 18 $ 2,100,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 18 $ 2,380,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 17 $ 2,125,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 15 $ 2,095,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 14 $ 870,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 14 $ 2,310,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 13 $ 1,255,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,727,667,000 12 $ 970,000
Central Bank of the Ozarks
1800 S. GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,298,183,000 12 $ 1,380,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 1,110,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 11 $ 1,385,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 810,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 10 $ 1,940,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 9 $ 1,515,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 8 $ 1,290,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 178,090,000 8 $ 370,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,610,000
Southwest Missouri Bank
300 WEST THIRD STREET
CARTHAGE, MO 64836
* $ 719,263,000 7 $ 935,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 7 $ 805,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 158,956,000 7 $ 305,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 7 $ 1,015,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 7 $ 895,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,100,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 6 $ 980,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 935,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 495,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 675,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 475,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 445,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ -1,000 5 $ 605,000
Telcomm
2155 E SUNSHINE
SPRINGFIELD, MO 65804
* $ 152,128,000 5 $ 235,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 585,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 5 $ 585,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 805,000
Stockmens Bank

SPRINGFIELD, MO 65804
* $ 357,171,000 4 $ 200,000
Community Bank and Trust
100 SOUTH WOOD ST
NEOSHO, MO 64850
* $ 319,701,000 4 $ 540,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,479,145,000 4 $ 620,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 4 $ 710,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 4 $ 480,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 450,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 1,010,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,384,000 4 $ 360,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 4,594,004,000 3 $ 135,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 415,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 3 $ 555,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ -1,000 3 $ 325,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 3 $ 275,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 355,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 3 $ 725,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 3 $ 435,000
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ 270,997,000 3 $ 285,000
Springfield First Community Bank
2006 S GLENSTONE AVENUE
SPRINGFIELD, MO 65804
* $ 545,107,000 3 $ 255,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 3 $ 265,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 1,768,439,000 3 $ 115,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 2 $ 50,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 15,308,454,000 2 $ 270,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 472,439,000 2 $ 320,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 330,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 130,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 610,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 100,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,422,256,000 2 $ 370,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 2 $ 240,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 200,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 2 $ 320,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 2 $ 490,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 100,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 170,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 2 $ 280,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 480,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 240,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 320,000
O'bannon Banking Company
PO BOX 890
BUFFALO, MO 65622
* $ 197,827,000 2 $ 160,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 230,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 2 $ 210,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 265,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 1 $ 225,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,122,853,000 1 $ 225,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 1 $ 205,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 25,000
Foundation Credit Union
1726 W. ELFINDALE ST.
SPRINGFIELD, MO 65807
* $ 64,371,000 1 $ 65,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 55,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 135,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 15,286,549,000 1 $ 225,000
Ozark Bank
PO BOX 220
OZARK, MO 65721
* $ 259,088,000 1 $ 155,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,154,899,000 1 $ 45,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 1 $ 105,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 85,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 235,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 155,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 1 $ 75,000
People's Bank of Seneca
PO BOX 500
SENECA, MO 64865
* $ 179,398,000 1 $ 45,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 175,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 1 $ 225,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 1 $ 55,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,323,185,000 1 $ 75,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 805,442,000 1 $ 105,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ -1,000 1 $ 125,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 45,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,009,287,000 1 $ 55,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,571,441,000 1 $ 135,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 85,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 515,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 95,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 145,000
United Bank
2600 SOUTH THOMPSON
SPRINGDALE, AR 72764
* $ 185,194,000 1 $ 55,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 1 $ 45,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 1 $ 155,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 45,000
White Eagle Credit Union
2830 OHIO
AUGUSTA, KS 67010
* $ 103,532,000 1 $ 95,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 677,277,000 1 $ 135,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 526,546,000 1 $ 185,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 175,000
America's Credit Union
2154 FOREST LN.
GARLAND, TX 75042
* $ 235,178,000 1 $ 205,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 85,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 205,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 962,643,000 1 $ 65,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 165,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 2,764,317,000 1 $ 105,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 323,439,000 1 $ 55,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 261,472,000 1 $ 165,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ 638,322,000 1 $ 195,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,602,670,000 1 $ 45,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 4,401,191,000 1 $ 85,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 1 $ 25,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,387,961,000 1 $ 55,000

The tables below break down 2018 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 2018

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 817 $95,865,000 $117,000 $445,000 $60,000 $586,000
Refinancing 260 $26,670,000 $102,000 $605,000 $65,000 $600,000
Cash-out Refinancing 188 $24,490,000 $130,000 $515,000 $60,000 $189,000
Home Improvement 86 $4,170,000 $48,000 $285,000 $64,000 $400,000
Other Purpose 76 $3,900,000 $51,000 $185,000 $70,000 $594,000
Not Applicable 17 $1,535,000 $90,000 $255,000 $60,000 $68,000

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 1,095 $118,985,000 $108,000 $575,000 $62,000 $594,000
Not applicable 191 $22,985,000 $120,000 $605,000 $51,000 $90,000
Not Provided 91 $8,885,000 $97,000 $355,000 $72,000 $600,000
Hispanic 46 $3,910,000 $85,000 $205,000 $43,000 $108,000
American Indian or Alaskan Native 14 $1,070,000 $76,000 $155,000 $52,000 $180,000
Asian 3 $445,000 $148,000 $175,000 $41,000 $53,000
Black or African American 1 $105,000 $105,000 $105,000 $61,000 $61,000
Native Hawaiian or Other Pacific Islander 1 $25,000 $25,000 $25,000 $31,000 $31,000

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) 899 $88,845,000 $98,000 $605,000 $68,000 $600,000
FHA-insured (Federal Housing Administration) 200 $22,290,000 $111,000 $255,000 $52,000 $203,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 182 $18,600,000 $102,000 $275,000 $43,000 $160,000
VA-guaranteed (Veterans Administration) 163 $26,895,000 $165,000 $515,000 $60,000 $218,000

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 725 $79,535,000 $109,000 $605,000 $65,000 $586,000
Application Denied By Financial Institution 287 $24,155,000 $84,000 $345,000 $54,000 $594,000
Loan Purchased By The Institution 222 $29,650,000 $133,000 $445,000 $62,000 $187,000
Application Withdrawn By Applicant 131 $15,235,000 $116,000 $505,000 $63,000 $210,000
File Closed For Incompleteness 50 $5,010,000 $100,000 $515,000 $67,000 $600,000
Application Approved But Not Accepted 29 $3,045,000 $105,000 $265,000 $56,000 $160,000
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
Not applicable 1,066 $123,280,000 $115,000 $605,000 $63,000 $600,000
Debt-To-Income Ratio 167 $16,905,000 $101,000 $575,000 $62,000 $418,000
Credit History 92 $6,400,000 $69,000 $275,000 $62,000 $594,000
Collateral 50 $4,020,000 $80,000 $245,000 $63,000 $320,000
Credit Application Incomplete 27 $3,085,000 $114,000 $345,000 $59,000 $180,000
Other 23 $1,485,000 $64,000 $225,000 $47,000 $98,000
Unverifiable Information 12 $930,000 $77,000 $145,000 $43,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 4 $270,000 $67,000 $85,000 $39,000 $65,000
Employment History 3 $255,000 $85,000 $85,000 $41,000 $58,000
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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