Lewis and Clark County, MT Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 3,680 mortgage applications in Lewis and Clark County, MT totaling $837.1 million, up 10% from 2018. The average application was for $227,000, and applicants reported an average income of $94,000. 56% of applications resulted in an originated loan and 10% were denied. The most active lender was Glacier Bank, with 521 applications, followed by Opportunity Bank of Montana and First Interstate 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 3,680
Total Mortgage Loan Application Amount $837,140,000
Average Mortgage Loan Application Amount $227,000
Highest Mortgage Loan Application Amount $11,965,000
Average Applicant Income $94,000
Highest Applicant Income $991,000

Mortgage Company List for Lending in Lewis and Clark County, MT for 2019

* 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
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 12,102,845,000 521 $ 93,095,000
Opportunity Bank of Montana
1400 PROSPECT AVE
HELENA, MT 59601
* $ 843,686,000 457 $ 111,615,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 13,239,925,000 343 $ 92,715,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 279 $ 67,335,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 3,648,810,000 193 $ 37,285,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 193 $ 48,235,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 133 $ 34,655,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 123 $ 27,785,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 107 $ 18,325,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 78 $ 20,400,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 58 $ 15,960,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 50 $ 10,410,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 44 $ 11,350,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 43 $ 10,555,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 38 $ 8,130,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 38 $ 8,520,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 37 $ 9,935,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 36 $ 9,100,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 32 $ 1,970,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 31 $ 7,555,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 30 $ 6,120,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 28 $ 6,390,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 27 $ 6,665,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 26 $ 6,820,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 24 $ 6,640,000
Citizens Alliance Bank
55 NW 1ST ST NW PO BOX 430
CLARA CITY, MN 56222
* $ 790,105,000 21 $ 2,345,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 21 $ 5,605,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 19 $ 5,425,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 19 $ 3,425,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 19 $ 5,215,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 18 $ 4,840,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 18 $ 3,090,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 17 $ 4,705,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 17 $ 4,745,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 16 $ 1,140,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 15 $ 3,465,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 2,250,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 12 $ 3,310,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 12 $ 1,700,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 11 $ 3,115,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 11 $ 3,345,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 10 $ 2,170,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 10 $ 2,560,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 10 $ 2,260,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 10 $ 2,440,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ -1,000 9 $ 1,995,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 9 $ 2,135,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 1,845,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 8 $ 1,900,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 8 $ 2,460,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 8 $ 1,450,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 7 $ 1,465,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 1,385,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,630,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 6 $ 1,350,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 6 $ 1,370,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 6 $ 930,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 6 $ 1,580,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 5 $ 1,405,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 5 $ 495,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 1,285,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 1,115,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 5 $ 905,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 1,285,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 1,045,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 4 $ 1,040,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 1,050,339,000 4 $ 300,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 4 $ 930,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 4 $ 330,000
First Montana Bank
201 N HIGGINS AVE
MISSOULA, MT 59802
* $ 308,281,000 3 $ 795,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 949,720,000 3 $ 675,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 645,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 3 $ 1,165,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 3 $ 835,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 3 $ 915,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 835,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ -1,000 3 $ 605,000
Embark
1500 RIVER DRIVE NORTH
GREAT FALLS, MT 59401
* $ 104,767,000 3 $ 295,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 195,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 595,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 3 $ 805,000
Montana Federal Credit Union
15 14TH STREET SOUTH
GREAT FALLS, MT 59401
* $ 240,511,000 3 $ 325,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 3 $ 685,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 725,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 3 $ 955,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 2 $ 160,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 570,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 2 $ 430,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 2 $ 340,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 664,284,000 2 $ 580,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 36,070,000 2 $ 560,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 560,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 300,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 2 $ 500,000
Graystone Funding Company, LLC
1966 EAST 6200 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 2 $ 230,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 690,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 240,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 2 $ 250,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 2 $ 520,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 42,181,682,000 2 $ 750,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,056,461,000 2 $ 230,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 130,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 520,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 1 $ 75,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 829,051,000 1 $ 205,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 1 $ 405,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 225,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 245,000
Billings Federal Credit Union
2522 4TH AVE N
BILLINGS, MT 59103
* $ 148,207,000 1 $ 145,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ -1,000 1 $ 75,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 245,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 45,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 175,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,513,109,000 1 $ 245,000
Semper Home Loans, Inc
225 DUPONT DRIVE
PROVIDENCE, RI 02907
* $ -1,000 1 $ 195,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 35,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 1 $ 225,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 1 $ 265,000
Highmark Federal Credit Union
725 5TH STREET
RAPID CITY, SD 57701
* $ 139,453,000 1 $ 295,000
Stanford Federal Credit Union
1860 EMBARCADERO ROAD
PALO ALTO, CA 94303
* $ 2,616,236,000 1 $ 265,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 285,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 241,136,000 1 $ 205,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ 1,250,076,000 1 $ 165,000
Trailwest Bank
PO BOX 9
LOLO, MT 59847
* $ 571,880,000 1 $ 305,000
Choice Financial Group
4501 23RD AVE S
FARGO, ND 58104
* $ 2,142,520,000 1 $ 235,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 26,903,465,000 1 $ 285,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 315,000
Bravera Bank
140 1ST AVENUE WEST
DICKINSON, ND 58601
* $ 1,426,011,000 1 $ 215,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 19,588,565,000 1 $ 105,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 1,074,501,000 1 $ 345,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 305,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 135,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 225,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 305,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 234,032,000,000 1 $ 185,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,482,272,000 1 $ 455,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 3,502,273,000 1 $ 355,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 285,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 1 $ 405,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 185,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 215,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 185,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,710,801,000 1 $ 225,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 59,366,170,000 1 $ 545,000

The tables below break down 2019 mortgage applications in Lewis and Clark County, MT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lewis and Clark County, MT in 2019

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 1,831 $453,495,000 $247,000 $8,135,000 $94,000 $842,000
Cash-out Refinancing 766 $171,610,000 $224,000 $635,000 $91,000 $556,000
Refinancing 665 $174,305,000 $262,000 $11,965,000 $93,000 $773,000
Home Improvement 201 $15,215,000 $75,000 $485,000 $104,000 $991,000
Other Purpose 188 $17,090,000 $90,000 $545,000 $108,000 $511,000
Not Applicable 29 $5,425,000 $187,000 $595,000 $188,000 $193,000

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 2,854 $605,260,000 $212,000 $1,405,000 $96,000 $991,000
Not applicable 460 $154,740,000 $336,000 $11,965,000 $93,000 $295,000
Not Provided 249 $53,365,000 $214,000 $535,000 $85,000 $240,000
Hispanic 59 $12,255,000 $207,000 $485,000 $90,000 $255,000
American Indian or Alaskan Native 24 $4,360,000 $181,000 $345,000 $77,000 $248,000
Black or African American 17 $3,805,000 $223,000 $375,000 $79,000 $149,000
Asian 13 $2,555,000 $196,000 $385,000 $83,000 $188,000
Native Hawaiian or Other Pacific Islander 1 $335,000 $335,000 $335,000 $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) 2,484 $533,960,000 $214,000 $11,965,000 $102,000 $991,000
VA-guaranteed (Veterans Administration) 749 $204,385,000 $272,000 $685,000 $76,000 $224,000
FHA-insured (Federal Housing Administration) 349 $76,385,000 $218,000 $425,000 $64,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 98 $22,410,000 $228,000 $385,000 $66,000 $113,000

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 2,077 $472,675,000 $227,000 $11,965,000 $97,000 $773,000
Loan Purchased By The Institution 573 $143,035,000 $249,000 $545,000 $94,000 $650,000
Application Withdrawn By Applicant 549 $135,375,000 $246,000 $11,535,000 $93,000 $842,000
Application Denied By Financial Institution 352 $60,670,000 $172,000 $835,000 $79,000 $443,000
File Closed For Incompleteness 80 $16,130,000 $201,000 $425,000 $85,000 $600,000
Application Approved But Not Accepted 48 $9,040,000 $188,000 $485,000 $115,000 $991,000
Preapproval Denied by Financial Institution 1 $215,000 $215,000 $215,000 $61,000 $61,000
Preapproval Approved but not Accepted 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 3,275 $766,145,000 $233,000 $11,965,000 $96,000 $991,000
Debt-To-Income Ratio 157 $26,355,000 $167,000 $505,000 $73,000 $511,000
Collateral 83 $15,145,000 $182,000 $595,000 $83,000 $356,000
Credit History 78 $11,860,000 $152,000 $455,000 $91,000 $320,000
Other 38 $8,520,000 $224,000 $835,000 $86,000 $443,000
Credit Application Incomplete 26 $5,720,000 $220,000 $475,000 $90,000 $264,000
Unverifiable Information 14 $1,780,000 $127,000 $385,000 $105,000 $182,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,265,000 $180,000 $425,000 $69,000 $175,000
Employment History 2 $350,000 $175,000 $175,000 $57,000 $71,000
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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