Lincoln County, NM Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 984 mortgage applications in Lincoln County, NM totaling $172.0 million, up 12% from 2014. The average application was for $174,000, and applicants reported an average income of $132,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Flagstar Bank, with 143 applications, followed by Wells Fargo Bank NA and Pioneer 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 984
Total Mortgage Loan Application Amount $172,043,000
Average Mortgage Loan Application Amount $174,000
Highest Mortgage Loan Application Amount $1,788,000
Average Applicant Income $132,000
Highest Applicant Income $4,434,000

Mortgage Company List for Lending in Lincoln County, NM for 2015

* 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
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 143 $ 26,390,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 67 $ 9,801,000
Pioneer Bank
3000 N. MAIN ST. / P. O. BOX 130
ROSWELL, NM 88201
* $ 673,205,000 45 $ 7,898,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 37 $ 7,010,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 36 $ 5,311,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,332,169,000 36 $ 6,042,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 32 $ 6,011,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 26 $ 4,445,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 19 $ 2,551,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 19 $ 2,482,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 1,040,072,000 19 $ 3,550,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 18 $ 2,205,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 17 $ 3,490,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 17 $ 1,439,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 16 $ 2,302,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 15 $ 2,505,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,493,978,000 14 $ 1,807,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 13 $ 2,647,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 12 $ 1,836,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 10 $ 1,941,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 9 $ 2,055,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 9 $ 1,197,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 9 $ 1,862,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 8 $ 1,314,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 8 $ 1,595,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 7 $ 1,071,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 7 $ 1,499,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 6 $ 389,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 693,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 1,401,000
Firstcapital Bank of Texas, National Association
3900 S. SONCY RD
AMARILLO, TX 79119
* $ 885,470,000 6 $ 1,016,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 21,504,119,000 6 $ 1,394,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 6 $ 1,019,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 6 $ 698,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 5 $ 770,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 870,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 703,000
Citizens Bank of Las Cruces
505 S MAIN STREET
LAS CRUCES, NM 88001
* $ 450,081,000 5 $ 820,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 5 $ 436,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 5 $ 899,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 693,000
Firstlight Federal Credit Unio
9983 KENWORTHY ST.
EL PASO, TX 79924
* $ 856,066,000 4 $ 553,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ 518,733,000 4 $ 158,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 683,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 4 $ 605,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 1,157,173,000 4 $ 716,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 682,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 4 $ 1,857,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 4 $ 751,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 4 $ 897,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 4 $ 449,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 4 $ 1,166,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 4 $ 458,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 826,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 3 $ 263,000
Platinum Bank
6502 SLIDE RD, SUITE 110
LUBBOCK, TX 79424
* $ 228,062,000 3 $ 631,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 3 $ 298,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 632,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 3 $ 275,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 2 $ 215,000
Inwood National Bank
7621 INWOOD RD
DALLAS, TX 75209
* $ 1,853,227,000 2 $ 295,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 69,310,249,000 2 $ 715,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 2 $ 645,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 355,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 256,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,508,574,000 2 $ 224,000
Legend Bank, N.A.
101 TARRANT ST
BOWIE, TX 76230
* $ 617,102,000 2 $ 424,000
Centennial Bank
904 AVE. O
LUBBOCK, TX 79401
* $ 739,096,000 2 $ 268,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 2 $ 324,000
Raiz Federal Credit Union
12020 ROJAS
EL PASO, TX 79936
* $ 503,091,000 2 $ 211,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 2 $ 205,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 218,000
Loanstar Home Loans, LLC dba Loanstar Home Lending
9020 SW WASHINGTON SQUARE RD SUITE 350
PORTLAND, OR 97223
* $ 0 2 $ 142,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 448,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 235,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 648,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 254,000
Lrs Financial Network dba Hnb Mortgage
2101 W. WADLEY STE. 36
MIDLAND, TX 79705
* $ 11,322,000 2 $ 641,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 355,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 281,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ 3,891,248,000 2 $ 567,000
Peoples Bank
5820 82ND STREET
LUBBOCK, TX 79424
* $ 360,084,000 2 $ 437,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 278,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 408,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 193,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 247,645,000 2 $ 677,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 2 $ 553,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,244,310,000 1 $ 300,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 477,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 185,000
BNC National Bank

BISMARCK, ND 58501
* $ 933,532,000 1 $ 356,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 617,803,000 1 $ 417,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 1,306,281,000 1 $ 70,000
Pegasus Bank
4515 W MOCKINGBIRD LN
DALLAS, TX 75209
* $ 342,992,000 1 $ 110,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ 1,529,310,000 1 $ 24,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 96,000
Southwest Airlines FCU
2340 SHORECREST
DALLAS, TX 75235
* $ 349,080,000 1 $ 154,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,105,747,000 1 $ 113,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 303,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 173,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 243,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ 20,474,937,000 1 $ 162,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ 1,348,525,000 1 $ 215,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 164,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 1 $ 155,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 284,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 180,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 361,000
North Dallas Bank & Trust Co.
12900 PRESTON RD
DALLAS, TX 75230
* $ 1,275,181,000 1 $ 250,000
First New Mexico Bank
300 S GOLD AVE
DEMING, NM 88030
* $ 219,098,000 1 $ 452,000
Southwest Bank
4100 INTERNATIONAL PLAZA, STE 900
FORT WORTH, TX 76109
* $ 1,617,450,000 1 $ 440,000
Southwest Capital Bank
1410 CENTRAL AVENUE SW , PO BOX 25127
ALBUQUERQUE, NM 87104
* $ 277,008,000 1 $ 202,000
First United Bank
5802 4TH STREET
LUBBOCK, TX 79416
* $ 1,173,561,000 1 $ 150,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ 782,006,000 1 $ 167,000
First New Mexico Bank, Las Cru
3000 E. LOHMAN AVE
LAS CRUCES, NM 88011
* $ 115,668,000 1 $ 175,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 125,000
Patriot Bank Mortgage
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 511,822,000 1 $ 409,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 126,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 1 $ 200,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 2,604,066,000 1 $ 100,000
The First National Bank of Tah
PO BOX 1030
TAHOKA, TX 79373
* $ 57,216,000 1 $ 75,000
Citizens State Bank
329 W. HARRIS
SAN ANGELO, TX 76903
* $ 98,335,000 1 $ 66,000
Kirtland Federal Credit Union
6440 GIBSON BLVD SE
ALBUQUERQUE, NM 87108
* $ 675,275,000 1 $ 232,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 196,000
Southwest Heritage
2809 JBS PARKWAY, PO BOX 4898
ODESSA, TX 79760
* $ 111,028,000 1 $ 426,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 250,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,458,381,000 1 $ 180,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 5,816,065,000 1 $ 189,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 305,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 155,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ 454,514,000 1 $ 208,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 9,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 1 $ 147,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 396,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 270,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 4,127,466,000 1 $ 304,000
Aimbank
110 COLLEGE AVE
LEVELLAND, TX 79336
* $ 591,245,000 1 $ 191,000
Firstbank Southwest
2401 S. GEORGIA
AMARILLO, TX 79109
* $ 992,129,000 1 $ 252,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,545,267,000 1 $ 229,000
Southwest Bank
4800 E. 42ND STREET
ODESSA, TX 79762
* $ 310,978,000 1 $ 1,200,000
Texas Bank
P O BOX 1190
HENDERSON, TX 75652
* $ 348,919,000 1 $ 250,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ 3,153,000 1 $ 98,000
Lubbock National Bank
4811 50TH
LUBBOCK, TX 79414
* $ 913,315,000 1 $ 120,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 83,000
Los Alamos National Bank
1200 TRINITY DR.
LOS ALAMOS, NM 87544
* $ 1,441,092,000 1 $ 106,000
First National Bank and Trust Company
130 E MACARTHUR
SHAWNEE, OK 74804
* $ 235,708,000 1 $ 17,000
First National Bank Mortgage
1540 E. SOUTHLAKE BLVD
SOUTHLAKE, TX 76092
* $ 387,100,000 1 $ 170,000
Commercial State Bank
200 SOUTH MAIN STREET
ANDREWS, TX 79714
* $ 565,913,000 1 $ 325,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 71,682,343,000 1 $ 308,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 48,481,911,000 1 $ 1,788,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 19,061,584,000 1 $ 897,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 1 $ 250,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 275,000

The tables below break down 2015 mortgage applications in Lincoln County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lincoln County, NM in 2015

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 484 $83,909,000 $173,000 $1,200,000 $159,000 $2,989,000
Refinancing 461 $84,432,000 $183,000 $1,788,000 $107,000 $4,434,000
Home Improvement 39 $3,702,000 $94,000 $406,000 $91,000 $295,000

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 676 $119,074,000 $176,000 $1,200,000 $134,000 $4,434,000
Hispanic 162 $24,224,000 $149,000 $426,000 $150,000 $2,892,000
Not Provided 78 $15,299,000 $196,000 $1,788,000 $161,000 $2,084,000
Not applicable 57 $11,708,000 $205,000 $897,000 $14,000 $222,000
American Indian or Alaskan Native 9 $1,422,000 $158,000 $321,000 $142,000 $480,000
Asian 1 $260,000 $260,000 $260,000 $79,000 $79,000
Black or African American 1 $56,000 $56,000 $56,000 $73,000 $73,000
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) 768 $137,462,000 $178,000 $1,788,000 $157,000 $4,434,000
FHA-insured (Federal Housing Administration) 103 $14,920,000 $144,000 $283,000 $44,000 $218,000
VA-guaranteed (Veterans Administration) 98 $17,348,000 $177,000 $412,000 $45,000 $224,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $2,313,000 $154,000 $357,000 $34,000 $70,000

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 495 $89,221,000 $180,000 $1,788,000 $163,000 $4,434,000
Application Denied By Financial Institution 220 $34,900,000 $158,000 $609,000 $95,000 $1,308,000
Application Withdrawn By Applicant 104 $18,669,000 $179,000 $1,015,000 $134,000 $1,002,000
Loan Purchased By The Institution 81 $15,995,000 $197,000 $897,000 $70,000 $984,000
File Closed For Incompleteness 44 $5,495,000 $124,000 $396,000 $62,000 $300,000
Application Approved But Not Accepted 40 $7,763,000 $194,000 $1,200,000 $150,000 $1,696,000
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
Collateral 46 $6,647,000 $144,000 $417,000 $93,000 $256,000
Debt-To-Income Ratio 31 $4,898,000 $158,000 $417,000 $62,000 $285,000
Credit Application Incomplete 28 $5,229,000 $186,000 $606,000 $116,000 $344,000
Credit History 28 $3,180,000 $113,000 $475,000 $70,000 $209,000
Other 14 $2,122,000 $151,000 $417,000 $181,000 $967,000
Unverifiable Information 4 $593,000 $148,000 $201,000 $46,000 $66,000
Insufficient Cash (Downpayment, Closing Cost) 3 $604,000 $201,000 $275,000 $50,000 $76,000
Employment History 2 $738,000 $369,000 $606,000 $97,000 $130,000
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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