Lee County, IL Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,164 mortgage applications in Lee County, IL totaling $158.4 million, up 56% from 2019. The average application was for $136,000, and applicants reported an average income of $89,000. 65% of applications resulted in an originated loan and 11% were denied. The most active lender was Sauk Valley Bank & Trust Company, with 140 applications, followed by US Bank, N.A. and Midland States 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 1,164
Total Mortgage Loan Application Amount $158,420,000
Average Mortgage Loan Application Amount $136,000
Highest Mortgage Loan Application Amount $615,000
Average Applicant Income $89,000
Highest Applicant Income $1,588,000

Mortgage Company List for Lending in Lee County, IL 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
Sauk Valley Bank & Trust Company
3319 E LINCOLNWAY
STERLING, IL 61081
* $ 451,426,000 140 $ 23,310,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 134 $ 13,890,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 6,073,827,000 71 $ 7,615,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ 917,280,000 51 $ 6,315,000
First State Bank
706 WASHINGTON STREET
MENDOTA, IL 61342
* $ 1,142,723,000 50 $ 6,840,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 30 $ 4,830,000
Byron Bank
200 N WALNUT ST
BYRON, IL 61010
* $ 271,693,000 25 $ 4,315,000
Stillman Banccorp NA
101 E. MAIN STREET P.O. BOX 150
STILLMAN VALLEY, IL 61084
* $ 469,014,000 23 $ 2,605,000
Holcomb Bank
108 W MAIN ST
ROCHELLE, IL 61068
* $ 191,693,000 21 $ 2,955,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 20 $ 3,190,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 19 $ 2,785,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 19 $ 3,115,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 18 $ 1,650,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 17 $ 2,285,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 17 $ 2,055,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 16 $ 1,440,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 15 $ 2,365,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 12 $ 2,590,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 2,240,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 12 $ 580,000
Union Savings Bank
223 W STEPHENSON ST
FREEPORT, IL 61032
* $ 154,500,000 12 $ 1,370,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,043,000 12 $ 1,360,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 11 $ 1,645,000
First Federal Savings Bank
633 LASALLE ST
OTTAWA, IL 61350
* $ 371,815,000 10 $ 1,570,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 10 $ 1,290,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 885,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 9 $ 1,765,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,225,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 22,555,038,000 9 $ 1,675,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 9 $ 645,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 639,675,000 8 $ 1,350,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 8 $ 900,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 8 $ 980,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 8 $ 1,890,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 865,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 7 $ 1,235,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 6 $ 730,000
Rock Valley Credit Union
1201 CLIFFORD AVE
LOVES PARK, IL 61111
* $ 117,043,000 6 $ 370,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 6 $ 240,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 5 $ 665,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 5 $ 765,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 845,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 585,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 961,480,000 4 $ 470,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 4 $ 620,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 4 $ 740,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ 2,632,912,000 4 $ 570,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 800,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 310,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 4 $ 270,000
The Harvard State Bank
35 N AYER ST, PO BOX 40
HARVARD, IL 60033
* $ 259,771,000 4 $ 660,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 4 $ 510,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 4 $ 870,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 3 $ 515,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 3 $ 585,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 3 $ 395,000
Midwest Community Bank
510 PARK CREST DR
FREEPORT, IL 61032
* $ 244,416,000 3 $ 485,000
Farmers National Bank
114 W THIRD ST
PROPHETSTOWN, IL 61277
* $ 737,240,000 3 $ 465,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 415,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 265,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 3 $ 305,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 185,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 215,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 1,474,943,000 3 $ 375,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,123,482,000 3 $ 375,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 465,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 355,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,166,684,000 2 $ 180,000
Illinois State Credit Union
1309 S CENTER
NORMAL, IL 61761
* $ 138,941,000 2 $ 320,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 2 $ 400,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 2 $ 380,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 170,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 340,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 290,000
Northwest Bank of Rockford
3106 N ROCKTON AVE
ROCKFORD, IL 61103
* $ 294,962,000 2 $ 500,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 5,300,331,000 2 $ 90,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 270,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 2 $ 220,000
First Northern Credit Union
230 W MONROE, SUITE 2850
CHICAGO, IL 60606
* $ 302,808,000 2 $ 370,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 2 $ 210,000
Key Mortgage Services, Inc.
475 N. MARTINGALE RD. SUITE 100
SCHAUMBURG, IL 60173
* $ -1,000 2 $ 100,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 2 $ 310,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 2 $ 140,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,040,288,000 2 $ 470,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 230,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 430,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 160,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 2,663,225,000 2 $ 260,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 190,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 6,167,493,000 2 $ 350,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 2 $ 230,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,411,656,000 2 $ 310,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 1 $ 295,000
Senb Bank
3535 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 298,401,000 1 $ 115,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 115,000
Ottawa Savings Bank
925 LASALLE STREET
OTTAWA, IL 61350
* $ 300,300,000 1 $ 135,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 335,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 265,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 75,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 105,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 75,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 205,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 105,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 3,235,138,000 1 $ 75,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 75,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 115,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 175,000
Chicago Financial Services, Inc.
1455 W HUBBARD ST STE 200
CHICAGO, IL 60625
* $ -1,000 1 $ 95,000
Financial Plus Credit Union
800 CHESTNUT ST
OTTAWA, IL 61350
* $ 337,499,000 1 $ 205,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 215,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 295,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 12,223,127,000 1 $ 45,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 125,000
Midwest Loan Solutions, Inc.
29777 TELEGRAPH RD. SUITE 3580
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 345,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 1 $ 165,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 1 $ 145,000
Dupage Credit Union
P. O. BOX 3930
NAPERVILLE, IL 60563
* $ 385,503,000 1 $ 145,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 1 $ 115,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 305,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 359,332,000 1 $ 95,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 1 $ 435,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 684,678,000 1 $ 115,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,888,189,000 1 $ 75,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 17,136,249,000 1 $ 175,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 1 $ 175,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 95,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 115,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 155,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 135,000
University of Illinois Community Credit Union
2201 S FIRST ST
CHAMPAIGN, IL 61820
* $ 372,592,000 1 $ 165,000
Streator Onized Credit Union
120 E NORTHPOINT DR
STREATOR, IL 61364
* $ 254,906,000 1 $ 165,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 235,000
Hometown National Bank
260 BUCKLIN STREET
LA SALLE, IL 61301
* $ 223,184,000 1 $ 245,000
C.U. Financial, Inc.
16530 106TH COURT
ORLAND PARK, IL 60467
* $ -1,000 1 $ 175,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 109,679,000 1 $ 255,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 175,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 9,679,115,000 1 $ 295,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 25,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 95,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 55,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 1 $ 145,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 285,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 265,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 3,570,443,000 1 $ 135,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 205,000
Grundy Bank
201 LIBERTY STREET
MORRIS, IL 60450
* $ 275,209,000 1 $ 195,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 125,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 5,633,125,000 1 $ 65,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 1 $ 95,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 155,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ 33,588,619,000 1 $ 115,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 65,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 85,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 155,000

The tables below break down 2020 mortgage applications in Lee County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lee County, IL 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 486 $70,610,000 $145,000 $615,000 $94,000 $1,588,000
Home Purchase 437 $61,225,000 $140,000 $535,000 $83,000 $804,000
Cash-out Refinancing 153 $21,105,000 $137,000 $455,000 $96,000 $665,000
Other Purpose 48 $2,060,000 $42,000 $175,000 $83,000 $163,000
Home Improvement 20 $1,280,000 $64,000 $235,000 $86,000 $200,000
Not Applicable 20 $2,140,000 $107,000 $245,000 $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 910 $124,410,000 $136,000 $615,000 $91,000 $1,588,000
Not Provided 111 $15,315,000 $137,000 $475,000 $83,000 $432,000
Not applicable 83 $10,495,000 $126,000 $495,000 $72,000 $128,000
Hispanic 42 $5,920,000 $140,000 $455,000 $85,000 $665,000
Black or African American 10 $1,260,000 $126,000 $315,000 $67,000 $120,000
Asian 6 $780,000 $130,000 $205,000 $80,000 $164,000
American Indian or Alaskan Native 1 $125,000 $125,000 $125,000 $72,000 $72,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $52,000 $52,000

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) 855 $113,815,000 $133,000 $615,000 $95,000 $1,588,000
FHA-insured (Federal Housing Administration) 151 $19,545,000 $129,000 $315,000 $61,000 $154,000
VA-guaranteed (Veterans Administration) 114 $19,990,000 $175,000 $535,000 $78,000 $600,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 44 $5,070,000 $115,000 $215,000 $53,000 $94,000

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 755 $108,955,000 $144,000 $615,000 $95,000 $1,588,000
Application Withdrawn By Applicant 141 $18,095,000 $128,000 $485,000 $87,000 $665,000
Application Denied By Financial Institution 124 $12,840,000 $103,000 $305,000 $65,000 $200,000
Loan Purchased By The Institution 77 $9,565,000 $124,000 $285,000 $69,000 $128,000
File Closed For Incompleteness 42 $5,740,000 $136,000 $315,000 $76,000 $432,000
Application Approved But Not Accepted 25 $3,225,000 $129,000 $315,000 $115,000 $804,000
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 789 $106,855,000 $135,000 $615,000 $86,000 $804,000
Debt-To-Income Ratio 274 $41,510,000 $151,000 $525,000 $106,000 $1,588,000
Collateral 35 $3,925,000 $112,000 $305,000 $73,000 $200,000
Credit History 35 $2,505,000 $71,000 $245,000 $60,000 $182,000
Other 12 $1,570,000 $130,000 $235,000 $73,000 $135,000
Credit Application Incomplete 10 $780,000 $78,000 $135,000 $79,000 $129,000
Unverifiable Information 7 $865,000 $123,000 $205,000 $70,000 $116,000
Insufficient Cash (Downpayment, Closing Cost) 2 $410,000 $205,000 $245,000 $62,000 $62,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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