Lawrence County, SD Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 2,299 mortgage applications in Lawrence County, SD totaling $567.3 million, up 66% from 2019. The average application was for $246,000, and applicants reported an average income of $133,000. 60% of applications resulted in an originated loan and 9% were denied. The most active lender was First Interstate Bank, with 295 applications, followed by Black Hills Federal Credit Union and Gateway First Bank.
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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 | 2,299 |
| Total Mortgage Loan Application Amount | $567,345,000 |
| Average Mortgage Loan Application Amount | $246,000 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $133,000 |
| Highest Applicant Income | $2,290,000 |
* 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 |
* | $ 14,582,546,000 | 295 | $ 62,425,000 |
| Black Hills Federal Credit Union PO BOX 1420-225 MAIN ST RAPID CITY, SD 57702 |
* | $ 1,418,352,000 | 227 | $ 52,185,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 189 | $ 53,095,000 |
| Pioneer Bank & Trust 125 E COLORADO BLVD STE 1A SPEARFISH, SD 57783 |
* | $ 694,717,000 | 156 | $ 41,580,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 128 | $ 36,790,000 |
| Black Hills Community Bank, NA 840 MT. RUSHMORE RD. RAPID CITY, SD 57701 |
* | $ 299,697,000 | 119 | $ 34,975,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 110 | $ 28,190,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 96 | $ 19,590,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 55 | $ 13,065,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,205,032,000 | 41 | $ 6,645,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,848,070,000 | 36 | $ 6,170,000 |
| CU Mortgage Direct, LLC 5010 S. SOLBERG AVENUE SIOUX FALLS, SD 57108 |
* | $ -1,000 | 35 | $ 7,905,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 1,330,030,000 | 34 | $ 8,910,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 33 | $ 9,305,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,864,126,000 | 30 | $ 7,930,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 28 | $ 6,010,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 26 | $ 5,710,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 23 | $ 5,725,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 21 | $ 4,585,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 20 | $ 5,060,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 18 | $ 4,390,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 18 | $ 3,930,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 17 | $ 4,095,000 |
| Highmark Federal Credit Union 725 5TH STREET RAPID CITY, SD 57701 |
* | $ 142,764,000 | 15 | $ 3,235,000 |
| First Dakota National Bak 225 CEDAR ST YANKTON, SD 57078 |
* | $ 1,776,882,000 | 14 | $ 4,360,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 3,020,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 13 | $ 885,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 13 | $ 3,915,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 3,555,000 |
| Unify Home Lending Inc. 2101 MT RUSHMORE RD #300 PIERRE, SD 57701 |
* | $ -1,000 | 13 | $ 2,825,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 11 | $ 3,435,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 11 | $ 2,895,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 11 | $ 2,815,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 10 | $ 3,000,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 9 | $ 1,905,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 9 | $ 1,105,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 9 | $ 2,145,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 9 | $ 2,415,000 |
| First Bank & Trust 110 N. MINNESOTA AVE SIOUX FALLS, SD 57104 |
* | $ 1,024,331,000 | 8 | $ 2,340,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 8 | $ 1,770,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,689,384,000 | 8 | $ 1,880,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 8 | $ 2,540,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 7 | $ 1,815,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 1,925,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 7 | $ 1,975,000 |
| Security First Bank 5505 RED ROCK LANE LINCOLN, NE 68516 |
* | $ 1,151,009,000 | 7 | $ 2,195,000 |
| The First National Bank in Sioux Falls 100 S. PHILLIPS AVENUE SIOUX FALLS, SD 57104 |
* | $ 1,339,634,000 | 6 | $ 2,050,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 6 | $ 1,020,000 |
| American Bank & Trust 120 E MAIN STREET SIOUX FALLS, SD 57108 |
* | $ 985,338,000 | 6 | $ 2,800,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 6 | $ 1,760,000 |
| Reliabank Dakota 211 N MAIN ST ESTELLINE, SD 57234 |
* | $ 471,230,000 | 6 | $ 1,990,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 1,680,000 |
| First Premier Bank 400 S SYCAMORE AVE, SUITE 101 SIOUX FALLS, SD 57104 |
* | $ 2,041,578,000 | 6 | $ 1,550,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 6 | $ 1,790,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 1,630,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 695,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 1,615,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 5 | $ 1,105,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 5 | $ 1,055,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 4 | $ 1,050,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 2,069,570,000 | 4 | $ 1,240,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 4 | $ 1,300,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 825,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 403,053,000 | 3 | $ 855,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 3 | $ 905,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 3 | $ 1,145,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 955,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 725,000 |
| Central Bank 600 LAKE AVENUE STORM LAKE, IA 50588 |
* | $ 929,943,000 | 3 | $ 925,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 3 | $ 1,185,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 948,772,000 | 3 | $ 815,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 3 | $ 1,195,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 1,235,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 705,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 3 | $ 645,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 3 | $ 635,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 405,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ 737,952,000 | 3 | $ 845,000 |
| American State Bank 525 N MAIN AVE, PO BOX 140 SIOUX CENTER, IA 51250 |
* | $ 948,382,000 | 3 | $ 915,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 515,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 13,105,582,000 | 2 | $ 330,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 2 | $ 650,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ 415,474,000 | 2 | $ 640,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 837,096,000 | 2 | $ 690,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 980,000 |
| Superior Financial Solutions 4230 ELIDA RD LIMA, OH 45807 |
* | $ -1,000 | 2 | $ 710,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 2 | $ 730,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 19,445,554,000 | 2 | $ 370,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,688,814,000 | 2 | $ 890,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 862,614,000 | 2 | $ 470,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 2 | $ 690,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 2 | $ 550,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 2 | $ 450,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,380,296,000 | 2 | $ 800,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 235,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 195,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 1 | $ 405,000 |
| Tradition Capital Bank 7601 FRANCE AVE S WAYZATA, MN 55391 |
* | $ 911,710,000 | 1 | $ 205,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 125,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 335,000 |
| Arbor Bank 911 CENTRAL AVENUE NEBRASKA CITY, NE 68410 |
* | $ 365,025,000 | 1 | $ 215,000 |
| Four Points Federal Credit Union 510 N 127TH ST OMAHA, NE 68137 |
* | $ 131,983,000 | 1 | $ 155,000 |
| Anb Bank 3033 E 1ST AVENUE DENVER, CO 80206 |
* | $ 2,646,243,000 | 1 | $ 285,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 435,000 |
| Sofi Mortgage, LLC 6175 MAIN STREET, SUITE 490 FRISCO, TX 75034 |
* | $ -1,000 | 1 | $ 175,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 195,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 215,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 1,241,291,000 | 1 | $ 415,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 405,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 255,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 515,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 365,000 |
| Angel Oak Mortgage Solutions LLC 980 HAMMOND DRIVE, SUITE 850 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 185,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 273,530,000 | 1 | $ 195,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 235,000 |
| Peoples Bank 1230 VALLEY DRIVE ROCK VALLEY, IA 51247 |
* | $ 638,804,000 | 1 | $ 225,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 92,968,547,000 | 1 | $ 135,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 2,379,086,000 | 1 | $ 235,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 325,000 |
| Levo Federal Credit Union 700 E 14TH STREET SIOUX FALLS, SD 57106 |
* | $ 306,222,000 | 1 | $ 245,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 540,918,000 | 1 | $ 435,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 879,238,000 | 1 | $ 225,000 |
| Adams Bank & Trust PO BOX 720 OGALLALA, NE 69153 |
* | $ 839,145,000 | 1 | $ 155,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 205,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 125,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,354,874,000 | 1 | $ 225,000 |
| Service First Federal Credit Union 3901 E 10TH STREET SIOUX FALLS, SD 57103 |
* | $ 165,244,000 | 1 | $ 255,000 |
| Aerospace Federal Credit Union LOS ANGELES, CA 90009 |
* | $ 382,111,000 | 1 | $ 465,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 995,323,000 | 1 | $ 315,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 265,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,893,793,000 | 1 | $ 175,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 465,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 983,657,000 | 1 | $ 555,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 295,000 |
The tables below break down 2020 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 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 |
|---|---|---|---|---|---|---|
| Refinancing | 977 | $241,355,000 | $247,000 | $855,000 | $133,000 | $1,135,000 |
| Home Purchase | 737 | $201,325,000 | $273,000 | $2,405,000 | $150,000 | $2,290,000 |
| Cash-out Refinancing | 363 | $92,085,000 | $253,000 | $875,000 | $112,000 | $768,000 |
| Home Improvement | 118 | $18,370,000 | $155,000 | $505,000 | $109,000 | $367,000 |
| Other Purpose | 85 | $11,275,000 | $132,000 | $705,000 | $125,000 | $609,000 |
| Not Applicable | 19 | $2,935,000 | $154,000 | $345,000 | $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 | 1,782 | $433,660,000 | $243,000 | $875,000 | $131,000 | $2,290,000 |
| Not applicable | 274 | $74,720,000 | $272,000 | $2,405,000 | $239,000 | $581,000 |
| Not Provided | 185 | $46,025,000 | $248,000 | $675,000 | $142,000 | $1,638,000 |
| Hispanic | 32 | $6,840,000 | $213,000 | $605,000 | $175,000 | $700,000 |
| American Indian or Alaskan Native | 13 | $2,325,000 | $178,000 | $515,000 | $88,000 | $197,000 |
| Asian | 9 | $2,675,000 | $297,000 | $695,000 | $128,000 | $319,000 |
| Black or African American | 2 | $520,000 | $260,000 | $315,000 | $47,000 | $47,000 |
| 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) | 1,907 | $470,495,000 | $246,000 | $2,405,000 | $140,000 | $2,290,000 |
| VA-guaranteed (Veterans Administration) | 252 | $68,440,000 | $271,000 | $605,000 | $81,000 | $360,000 |
| FHA-insured (Federal Housing Administration) | 107 | $22,185,000 | $207,000 | $335,000 | $62,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $6,225,000 | $188,000 | $305,000 | $58,000 | $86,000 |
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 | 1,370 | $345,140,000 | $251,000 | $2,405,000 | $138,000 | $2,290,000 |
| Application Withdrawn By Applicant | 345 | $86,615,000 | $251,000 | $855,000 | $143,000 | $1,045,000 |
| Loan Purchased By The Institution | 277 | $72,185,000 | $260,000 | $555,000 | $156,000 | $581,000 |
| Application Denied By Financial Institution | 213 | $42,325,000 | $198,000 | $875,000 | $88,000 | $1,240,000 |
| File Closed For Incompleteness | 63 | $13,905,000 | $220,000 | $705,000 | $101,000 | $370,000 |
| Application Approved But Not Accepted | 31 | $7,175,000 | $231,000 | $465,000 | $157,000 | $519,000 |
| 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 | 1,910 | $476,410,000 | $249,000 | $1,205,000 | $136,000 | $1,638,000 |
| Debt-To-Income Ratio | 265 | $68,005,000 | $256,000 | $2,405,000 | $121,000 | $2,290,000 |
| Credit History | 44 | $7,020,000 | $159,000 | $695,000 | $86,000 | $500,000 |
| Credit Application Incomplete | 28 | $5,890,000 | $210,000 | $415,000 | $87,000 | $230,000 |
| Other | 20 | $3,570,000 | $178,000 | $405,000 | $154,000 | $966,000 |
| Collateral | 19 | $3,625,000 | $190,000 | $605,000 | $121,000 | $407,000 |
| Employment History | 6 | $1,640,000 | $273,000 | $515,000 | $146,000 | $520,000 |
| Unverifiable Information | 4 | $600,000 | $150,000 | $385,000 | $71,000 | $110,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $585,000 | $195,000 | $345,000 | $450,000 | $1,240,000 |
| 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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