Lee County, IL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 746 mortgage applications in Lee County, IL totaling $95.1 million, up 10% from 2023. The average application was for $127,000, and applicants reported an average income of $86,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was US Bank, N.A., with 59 applications, followed by Sauk Valley Bank & Trust Company 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 | 746 |
| Total Mortgage Loan Application Amount | $95,060,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $485,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 59 | $ 6,355,000 |
| Sauk Valley Bank & Trust Company 3319 E LINCOLNWAY STERLING, IL 61081 |
* | $ n/a | 51 | $ 6,505,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 34 | $ 2,210,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 25 | $ 2,215,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ n/a | 24 | $ 2,590,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 23 | $ 3,665,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 22 | $ 1,290,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 21 | $ 1,985,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 19 | $ 4,015,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 19 | $ 2,335,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 15 | $ 2,795,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 13 | $ 955,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 13 | $ 895,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 12 | $ 2,040,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 11 | $ 1,675,000 |
| Central Bank Illinois 101 N STATE ST GENESEO, IL 61254 |
* | $ n/a | 10 | $ 2,100,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 9 | $ 515,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 9 | $ 385,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 1,425,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 9 | $ 1,375,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 9 | $ 975,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 9 | $ 1,375,000 |
| Holcomb Bank 108 W MAIN ST ROCHELLE, IL 61068 |
* | $ n/a | 8 | $ 880,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 1,370,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 7 | $ 1,775,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ n/a | 7 | $ 1,095,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 7 | $ 255,000 |
| First Federal Savings Bank 633 LASALLE ST OTTAWA, IL 61350 |
* | $ n/a | 7 | $ 825,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 6 | $ 400,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 6 | $ 910,000 |
| Cornerstone Credit Union 550 W. MEADOWS DRIVE FREEPORT, IL 61032 |
* | $ n/a | 5 | $ 445,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 595,000 |
| First Northern Credit Union 230 W MONROE, SUITE 2850 CHICAGO, IL 60606 |
* | $ n/a | 5 | $ 695,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 5 | $ 775,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 575,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 5 | $ 425,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 5 | $ 835,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 5 | $ 1,185,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ n/a | 5 | $ 475,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 590,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ n/a | 4 | $ 610,000 |
| Eureka Savings Bank 250 MARQUETTE ST LA SALLE, IL 61301 |
* | $ n/a | 4 | $ 390,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ n/a | 4 | $ 440,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 490,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 4 | $ 210,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 590,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 780,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 410,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 800,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 940,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 4 | $ 350,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 4 | $ 610,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ n/a | 3 | $ 145,000 |
| Resource Bank N.A. 555 BETHANY RD 2ND FLOOR DEKALB, IL 60115 |
* | $ n/a | 3 | $ 575,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 295,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 3 | $ 325,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 3 | $ 495,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ n/a | 3 | $ 255,000 |
| Illinois Community Credit Unio 508 W STATE STREET SYCAMORE, IL 60178 |
* | $ n/a | 3 | $ 215,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 3 | $ 425,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 2 | $ 240,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 160,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 170,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 490,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 240,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ n/a | 2 | $ 740,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ n/a | 2 | $ 180,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ n/a | 2 | $ 290,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 2 | $ 340,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 2 | $ 380,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 2 | $ 170,000 |
| Dupage Credit Union P. O. BOX 3930 NAPERVILLE, IL 60563 |
* | $ n/a | 2 | $ 120,000 |
| I H Mississippi Valley Credit Union 2121 47TH STREET MOLINE, IL 61265 |
* | $ n/a | 2 | $ 50,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 2 | $ 130,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 2 | $ 160,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 350,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 350,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ n/a | 2 | $ 380,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 230,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 390,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 250,000 |
| St. Charles Bank & Trust Company, N.A. 411 WEST MAIN STREET SAINT CHARLES, IL 60174 |
* | $ n/a | 2 | $ 720,000 |
| Rock Valley Credit Union 1201 CLIFFORD AVE LOVES PARK, IL 61111 |
* | $ n/a | 2 | $ 440,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ n/a | 2 | $ 210,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 2 | $ 490,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 250,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 2 | $ 180,000 |
| Morton Community Bank 721 W. JACKSON MORTON, IL 61550 |
* | $ n/a | 2 | $ 190,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 35,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 105,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 195,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 165,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 75,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 205,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 105,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 155,000 |
| Resicentral LLC 700 LARKSPUR LANDING CIRCLE SUITE 199-18 LARKSPUR, CA 94939 |
* | $ n/a | 1 | $ 215,000 |
| Zippy Loans, LLC 2807 ALLEN ST DALLAS, TX 75204 |
* | $ n/a | 1 | $ 35,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 125,000 |
| The Bank of New Glarus 501 FIRST STREET PO BOX 129 NEW GLARUS, WI 53574 |
* | $ n/a | 1 | $ 85,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 305,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 165,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 125,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ n/a | 1 | $ 195,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 105,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 65,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 455,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 135,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ n/a | 1 | $ 35,000 |
| Northwest Bank of Rockford 3106 N ROCKTON AVE ROCKFORD, IL 61103 |
* | $ n/a | 1 | $ 165,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 105,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 105,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 95,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 25,000 |
| Streator Onized Credit Union 120 E NORTHPOINT DR STREATOR, IL 61364 |
* | $ n/a | 1 | $ 55,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 1 | $ 495,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ n/a | 1 | $ 95,000 |
| Ascentra Credit Union PO BOX 1107 BETTENDORF, IA 52722 |
* | $ n/a | 1 | $ 155,000 |
| Htlf Bank 1800 LARIMER ST #1800 DENVER, CO 80202 |
* | $ n/a | 1 | $ 125,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ n/a | 1 | $ 155,000 |
| Merchants and Manufacturers Ba 601 E CASS STREET JOLIET, IL 60432 |
* | $ n/a | 1 | $ 165,000 |
| Financial Plus Credit Union 800 CHESTNUT ST OTTAWA, IL 61350 |
* | $ n/a | 1 | $ 355,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 215,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 165,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 415,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 425,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 165,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 345,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 185,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 25,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 285,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 1 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 55,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 355,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 385,000 |
The tables below break down 2024 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 2024
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 | 395 | $62,035,000 | $157,000 | $615,000 | $86,000 | $435,000 |
| Refinancing | 102 | $12,550,000 | $123,000 | $575,000 | $85,000 | $199,000 |
| Cash-out Refinancing | 100 | $10,780,000 | $107,000 | $405,000 | $76,000 | $233,000 |
| Other Purpose | 85 | $5,175,000 | $60,000 | $345,000 | $88,000 | $225,000 |
| Home Improvement | 63 | $4,325,000 | $68,000 | $355,000 | $97,000 | $485,000 |
| Not Applicable | 1 | $195,000 | $195,000 | $195,000 | $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 | 511 | $62,485,000 | $122,000 | $615,000 | $88,000 | $485,000 |
| Not Provided | 70 | $7,650,000 | $109,000 | $455,000 | $83,000 | $245,000 |
| Not applicable | 69 | $11,595,000 | $168,000 | $575,000 | $32,000 | $32,000 |
| Hispanic | 66 | $9,310,000 | $141,000 | $495,000 | $81,000 | $320,000 |
| Asian | 14 | $1,770,000 | $126,000 | $195,000 | $74,000 | $119,000 |
| Black or African American | 12 | $1,870,000 | $155,000 | $285,000 | $74,000 | $113,000 |
| American Indian or Alaskan Native | 4 | $380,000 | $95,000 | $165,000 | $74,000 | $100,000 |
| 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) | 563 | $64,095,000 | $113,000 | $615,000 | $88,000 | $485,000 |
| FHA-insured (Federal Housing Administration) | 109 | $16,715,000 | $153,000 | $455,000 | $68,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 59 | $12,195,000 | $206,000 | $525,000 | $94,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,055,000 | $137,000 | $175,000 | $72,000 | $92,000 |
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 | 429 | $58,405,000 | $136,000 | $615,000 | $93,000 | $485,000 |
| Application Denied By Financial Institution | 122 | $11,320,000 | $92,000 | $415,000 | $69,000 | $320,000 |
| Application Withdrawn By Applicant | 81 | $10,625,000 | $131,000 | $485,000 | $84,000 | $200,000 |
| Loan Purchased By The Institution | 60 | $9,620,000 | $160,000 | $455,000 | $57,000 | $109,000 |
| File Closed For Incompleteness | 32 | $2,940,000 | $91,000 | $495,000 | $82,000 | $195,000 |
| Application Approved But Not Accepted | 22 | $2,150,000 | $97,000 | $305,000 | $98,000 | $348,000 |
| 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 | 550 | $73,480,000 | $133,000 | $615,000 | $88,000 | $435,000 |
| Debt-To-Income Ratio | 102 | $13,710,000 | $134,000 | $575,000 | $88,000 | $485,000 |
| Credit History | 37 | $2,515,000 | $67,000 | $255,000 | $63,000 | $232,000 |
| Collateral | 27 | $2,745,000 | $101,000 | $415,000 | $80,000 | $245,000 |
| Credit Application Incomplete | 17 | $1,455,000 | $85,000 | $255,000 | $94,000 | $320,000 |
| Other | 6 | $600,000 | $100,000 | $285,000 | $40,000 | $60,000 |
| Unverifiable Information | 5 | $355,000 | $71,000 | $125,000 | $62,000 | $81,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $74,000 | $74,000 |
| 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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