Lawrence County, MO Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,929 mortgage applications in Lawrence County, MO totaling $260.6 million, up 25% from 2019. The average application was for $135,000, and applicants reported an average income of $70,000. 55% of applications resulted in an originated loan and 13% were denied. The most active lender was Arvest Bank, with 148 applications, followed by Flat Branch Mortgage, Inc. and US Bank, N.A..

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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 1,929
Total Mortgage Loan Application Amount $260,635,000
Average Mortgage Loan Application Amount $135,000
Highest Mortgage Loan Application Amount $865,000
Average Applicant Income $70,000
Highest Applicant Income $600,000

Mortgage Company List for Lending in Lawrence County, MO for 2020

* 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
* $ 19,445,554,000 148 $ 16,200,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 112 $ 16,430,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 107 $ 14,085,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 73 $ 10,035,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 73 $ 10,745,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 67 $ 8,905,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 62 $ 8,740,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 55 $ 4,935,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 50 $ 6,310,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ 530,931,000 46 $ 5,700,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ 652,355,000 43 $ 4,395,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 36 $ 4,350,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,014,991,000 33 $ 3,425,000
Guaranty Bank
1341 W BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 1,010,051,000 33 $ 5,205,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 30 $ 2,400,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 29 $ 4,335,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 28 $ 3,020,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 995,772,000 28 $ 4,670,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 27 $ 4,755,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 26 $ 3,420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 23 $ 1,545,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 3,285,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 21 $ 3,445,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 26,357,635,000 20 $ 2,110,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 18 $ 3,320,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 17 $ 2,545,000
Central Bank of the Ozarks
1800 S. GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,373,864,000 17 $ 2,785,000
Peoples Community Bank
PO BOX 350
GREENVILLE, MO 63944
* $ 489,241,000 16 $ 1,010,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 16 $ 1,520,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 15 $ 2,335,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 14 $ 2,230,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 14 $ 2,010,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 14 $ 950,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 14 $ 1,870,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 13 $ 1,855,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 13 $ 1,855,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,955,469,000 13 $ 1,485,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 13 $ 1,645,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 184,955,000 13 $ 2,095,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ 200,362,000 13 $ 1,005,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 12 $ 2,370,000
Guaranty Bank

ANKENY, IA 50023
* $ 748,753,000 12 $ 1,990,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 12 $ 2,120,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 12 $ 1,640,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 11 $ 1,935,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 1,415,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 10 $ 1,540,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 10 $ 870,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 10 $ 2,020,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 10 $ 1,390,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 9 $ 1,605,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 9 $ 1,785,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 21,061,188,000 9 $ 1,005,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 9 $ 1,145,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 8 $ 1,050,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,712,795,000 7 $ 1,385,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,075,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 875,000
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ 292,218,000 6 $ 800,000
Southwest Missouri Bank
300 WEST THIRD STREET
CARTHAGE, MO 64836
* $ 795,891,000 6 $ 730,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 6 $ 1,290,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 6 $ 770,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,000,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 208,018,000 5 $ 535,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,035,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 5 $ 805,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 355,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,298,764,000 5 $ 515,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 4 $ 640,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 4 $ 290,000
Ozark Bank
PO BOX 220
OZARK, MO 65721
* $ 282,026,000 4 $ 310,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 490,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ 1,521,073,000 3 $ 225,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 3 $ 555,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 3 $ 635,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 3 $ 335,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,097,505,000 3 $ 765,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 3 $ 325,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 3 $ 585,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 495,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 2 $ 270,000
Bank of Bolivar
PO BOX 560, 495 S. SPRINGFIELD
BOLIVAR, MO 65613
* $ 309,280,000 2 $ 190,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 410,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 200,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,813,626,000 2 $ 280,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 340,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 2 $ 380,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ 5,333,783,000 2 $ 130,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 610,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 280,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ -1,000 2 $ 370,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 400,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 2 $ 200,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 2 $ 250,000
Stockmens Bank

SPRINGFIELD, MO 65804
* $ 353,533,000 2 $ 300,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 300,000
Citizens Bank of Rogersville
1001 W. CENTER ST.
ROGERSVILLE, MO 65742
* $ 94,627,000 2 $ 390,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 380,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,956,628,000 2 $ 230,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 180,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,483,698,000 2 $ 420,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,043,000 2 $ 470,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 6,258,523,000 2 $ 380,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ 2,095,381,000 2 $ 120,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 490,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 215,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 125,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 85,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 1 $ 95,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 791,565,000 1 $ 125,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 3,946,120,000 1 $ 265,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 1 $ 305,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 767,851,000 1 $ 175,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 295,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 75,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 165,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 1 $ 125,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 644,699,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 105,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 1 $ 195,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 325,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 125,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 155,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 1 $ 75,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 525,924,000 1 $ 95,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 3,176,415,000 1 $ 245,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 2,622,768,000 1 $ 45,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 217,610,000 1 $ 75,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 115,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ -1,000 1 $ 175,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 22,178,675,000 1 $ 135,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 75,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 155,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 75,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 245,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 215,000
Community Bank and Trust
100 SOUTH WOOD ST
NEOSHO, MO 64850
* $ 310,468,000 1 $ 235,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 85,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 255,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 1 $ 135,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 255,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 1 $ 25,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 225,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 215,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 374,223,000 1 $ 115,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 35,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 245,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 165,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 527,864,000 1 $ 625,000

The tables below break down 2020 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 2020

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 920 $121,480,000 $132,000 $865,000 $61,000 $564,000
Refinancing 611 $91,495,000 $149,000 $475,000 $79,000 $563,000
Cash-out Refinancing 245 $37,025,000 $151,000 $495,000 $82,000 $600,000
Home Improvement 66 $4,020,000 $60,000 $255,000 $79,000 $227,000
Other Purpose 53 $3,365,000 $63,000 $415,000 $74,000 $184,000
Not Applicable 34 $3,250,000 $95,000 $265,000 $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 1,385 $186,575,000 $134,000 $865,000 $71,000 $600,000
Not applicable 299 $42,055,000 $140,000 $625,000 $67,000 $364,000
Not Provided 146 $20,140,000 $137,000 $455,000 $70,000 $269,000
Hispanic 65 $7,595,000 $116,000 $505,000 $49,000 $211,000
American Indian or Alaskan Native 18 $2,400,000 $133,000 $265,000 $77,000 $230,000
Asian 8 $1,090,000 $136,000 $365,000 $73,000 $139,000
Black or African American 5 $445,000 $89,000 $135,000 $64,000 $96,000
Native Hawaiian or Other Pacific Islander 3 $335,000 $111,000 $125,000 $72,000 $119,000

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) 1,160 $153,360,000 $132,000 $865,000 $77,000 $600,000
FHA-insured (Federal Housing Administration) 288 $38,650,000 $134,000 $315,000 $57,000 $250,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 243 $28,325,000 $116,000 $355,000 $45,000 $564,000
VA-guaranteed (Veterans Administration) 238 $40,300,000 $169,000 $505,000 $60,000 $239,000

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 1,057 $150,675,000 $142,000 $865,000 $74,000 $600,000
Loan Purchased By The Institution 297 $41,985,000 $141,000 $395,000 $69,000 $364,000
Application Denied By Financial Institution 256 $25,970,000 $101,000 $475,000 $64,000 $564,000
Application Withdrawn By Applicant 195 $26,485,000 $135,000 $495,000 $65,000 $528,000
File Closed For Incompleteness 93 $11,565,000 $124,000 $405,000 $62,000 $196,000
Application Approved But Not Accepted 31 $3,955,000 $127,000 $325,000 $60,000 $202,000
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 1,547 $220,155,000 $142,000 $865,000 $71,000 $600,000
Debt-To-Income Ratio 198 $21,780,000 $110,000 $475,000 $65,000 $275,000
Credit History 68 $5,550,000 $81,000 $225,000 $59,000 $564,000
Collateral 38 $3,370,000 $88,000 $265,000 $80,000 $230,000
Other 28 $3,460,000 $123,000 $475,000 $83,000 $359,000
Credit Application Incomplete 25 $3,465,000 $138,000 $405,000 $96,000 $250,000
Unverifiable Information 21 $2,175,000 $103,000 $245,000 $60,000 $134,000
Employment History 2 $530,000 $265,000 $325,000 $63,000 $82,000
Insufficient Cash (Downpayment, Closing Cost) 2 $150,000 $75,000 $95,000 $72,000 $79,000
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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