Lawrence County, SD Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,301 mortgage applications in Lawrence County, SD totaling $255.9 million, down 3% from 2017. The average application was for $196,000, and applicants reported an average income of $107,000. 58% of applications resulted in an originated loan and 10% were denied. The most active lender was First Interstate Bank, with 201 applications, followed by Wells Fargo Bank NA and Black Hills Federal Credit Union.
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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 | 1,301 |
| Total Mortgage Loan Application Amount | $255,885,000 |
| Average Mortgage Loan Application Amount | $196,000 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $1,323,000 |
* 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 |
|---|---|---|---|---|
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 12,151,833,000 | 201 | $ 32,665,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 118 | $ 20,620,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,223,009,000 | 113 | $ 22,985,000 |
| Black Hills Community Bank, NA 840 MT. RUSHMORE RD. RAPID CITY, SD 57701 |
* | $ 242,654,000 | 80 | $ 20,170,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 655,146,000 | 67 | $ 12,685,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 50 | $ 9,700,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ -1,000 | 50 | $ 10,670,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 47 | $ 9,955,000 |
| Northern Hills Federal Credit Union 1080 MAIN ST STURGIS, SD 57785 |
* | $ 83,621,000 | 43 | $ 4,645,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 32 | $ 8,330,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 32 | $ 7,000,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,086,583,000 | 29 | $ 2,645,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 26 | $ 6,500,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 968,347,000 | 20 | $ 4,750,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 11,803,006,000 | 19 | $ 2,165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 19 | $ 4,595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 17 | $ 3,175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 14 | $ 2,780,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 13 | $ 2,215,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 11 | $ 2,665,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 11 | $ 1,765,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 9 | $ 2,085,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 123,069,000 | 9 | $ 1,525,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,127,705,000 | 9 | $ 2,655,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 7 | $ 1,635,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,485,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 6 | $ 1,110,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,010,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,430,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 1,040,000 |
| Superior Financial Solutions 4230 ELIDA RD LIMA, OH 45807 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 6 | $ 480,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,598,426,000 | 5 | $ 1,975,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 1,005,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 5 | $ 775,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 917,193,000 | 5 | $ 1,255,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 5 | $ 1,215,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 255,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 1,625,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 4 | $ 1,050,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 4 | $ 1,230,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 230,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 4 | $ 930,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 4 | $ 690,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 890,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 800,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,396,553,000 | 3 | $ 635,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 15,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 3 | $ 335,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 1,125,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 961,180,000 | 3 | $ 885,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 1,809,405,000 | 3 | $ 325,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 3 | $ 735,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 3 | $ 635,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 600,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 2 | $ 620,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 763,899,000 | 2 | $ 680,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 230,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 2 | $ 1,440,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 400,000 |
| Western Vista Federal Credit U 3207 SPARKS ROAD CHEYENNE, WY 82003 |
* | $ 140,477,000 | 2 | $ 680,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 260,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 807,059,000 | 2 | $ 510,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 2 | $ 260,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 290,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 2 | $ 400,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 2 | $ 610,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 290,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 410,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 630,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 510,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 2 | $ 130,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 1,686,532,000 | 2 | $ 210,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 20,351,074,000 | 2 | $ 170,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 220,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 205,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 45,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 445,000 |
| Sun Federal Credit Union 1627 HOLLAND ROAD MAUMEE, OH 43537 |
* | $ 513,366,000 | 1 | $ 95,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 155,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 268,838,000 | 1 | $ 155,000 |
| Farmers & Mechanics Bank 21 E MAIN ST GALESBURG, IL 61401 |
* | $ 361,236,000 | 1 | $ 235,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 156,639,000 | 1 | $ 65,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 287,995,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 405,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 355,470,000 | 1 | $ 255,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,652,147,000 | 1 | $ 335,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 1 | $ 355,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 175,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 869,903,000 | 1 | $ 375,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,154,899,000 | 1 | $ 285,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 109,372,608,000 | 1 | $ 75,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 412,119,000 | 1 | $ 455,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 185,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 8,908,994,000 | 1 | $ 255,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 225,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 155,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 165,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 175,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 261,210,000 | 1 | $ 425,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 243,911,000 | 1 | $ 55,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 115,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 275,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 708,948,000 | 1 | $ 865,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 305,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 245,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 1 | $ 325,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 325,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,522,047,000 | 1 | $ 245,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 105,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 1 | $ 255,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 927,541,000 | 1 | $ 225,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 295,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,542,484,000 | 1 | $ 665,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 135,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 865,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 245,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,463,284,000 | 1 | $ 205,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 425,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 1,044,941,000 | 1 | $ 105,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 604,714,000 | 1 | $ 165,000 |
The tables below break down 2018 mortgage applications in Lawrence County, SD 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, SD 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 | 714 | $160,010,000 | $224,000 | $1,505,000 | $113,000 | $1,323,000 |
| Cash-out Refinancing | 209 | $42,255,000 | $202,000 | $755,000 | $89,000 | $729,000 |
| Refinancing | 197 | $35,175,000 | $178,000 | $1,255,000 | $107,000 | $498,000 |
| Other Purpose | 101 | $10,735,000 | $106,000 | $755,000 | $115,000 | $880,000 |
| Home Improvement | 72 | $6,750,000 | $93,000 | $455,000 | $100,000 | $533,000 |
| Not Applicable | 8 | $960,000 | $120,000 | $415,000 | $69,000 | $114,000 |
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 | 1,025 | $191,225,000 | $186,000 | $865,000 | $108,000 | $1,323,000 |
| Not applicable | 142 | $38,970,000 | $274,000 | $1,505,000 | $82,000 | $207,000 |
| Not Provided | 96 | $18,700,000 | $194,000 | $455,000 | $108,000 | $880,000 |
| Hispanic | 17 | $3,595,000 | $211,000 | $595,000 | $107,000 | $412,000 |
| American Indian or Alaskan Native | 9 | $1,575,000 | $175,000 | $305,000 | $141,000 | $439,000 |
| Black or African American | 7 | $1,105,000 | $157,000 | $245,000 | $56,000 | $76,000 |
| Asian | 3 | $435,000 | $145,000 | $245,000 | $65,000 | $94,000 |
| 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) | 1,041 | $199,755,000 | $191,000 | $1,505,000 | $111,000 | $1,323,000 |
| FHA-insured (Federal Housing Administration) | 115 | $21,085,000 | $183,000 | $305,000 | $97,000 | $1,322,000 |
| VA-guaranteed (Veterans Administration) | 112 | $30,130,000 | $269,000 | $765,000 | $93,000 | $492,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,915,000 | $148,000 | $255,000 | $54,000 | $73,000 |
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 | 761 | $150,885,000 | $198,000 | $1,505,000 | $114,000 | $1,323,000 |
| Loan Purchased By The Institution | 202 | $47,280,000 | $234,000 | $865,000 | $113,000 | $1,322,000 |
| Application Withdrawn By Applicant | 158 | $32,060,000 | $202,000 | $755,000 | $109,000 | $934,000 |
| Application Denied By Financial Institution | 125 | $18,815,000 | $150,000 | $865,000 | $71,000 | $533,000 |
| File Closed For Incompleteness | 34 | $4,550,000 | $133,000 | $455,000 | $88,000 | $222,000 |
| Application Approved But Not Accepted | 21 | $2,295,000 | $109,000 | $335,000 | $77,000 | $468,000 |
| 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 | 1,057 | $216,805,000 | $205,000 | $1,505,000 | $112,000 | $1,323,000 |
| Debt-To-Income Ratio | 175 | $27,805,000 | $158,000 | $865,000 | $91,000 | $934,000 |
| Credit History | 25 | $3,975,000 | $159,000 | $455,000 | $66,000 | $160,000 |
| Collateral | 16 | $1,740,000 | $108,000 | $355,000 | $103,000 | $533,000 |
| Credit Application Incomplete | 13 | $2,765,000 | $212,000 | $405,000 | $87,000 | $181,000 |
| Other | 5 | $835,000 | $167,000 | $305,000 | $68,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $575,000 | $115,000 | $345,000 | $54,000 | $95,000 |
| Employment History | 3 | $325,000 | $108,000 | $205,000 | $31,000 | $53,000 |
| Unverifiable Information | 2 | $1,060,000 | $530,000 | $865,000 | $179,000 | $279,000 |
| 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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