Lincoln County, NM Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,157 mortgage applications in Lincoln County, NM totaling $211.6 million, up 9% from 2018. The average application was for $182,000, and applicants reported an average income of $123,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Flagstar Bank NA, with 166 applications, followed by City Bank and Wells Fargo Bank NA.

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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 1,157
Total Mortgage Loan Application Amount $211,615,000
Average Mortgage Loan Application Amount $182,000
Highest Mortgage Loan Application Amount $1,525,000
Average Applicant Income $123,000
Highest Applicant Income $6,738,000

Mortgage Company List for Lending in Lincoln County, NM 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
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 166 $ 31,990,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,710,801,000 116 $ 21,460,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 63 $ 9,655,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 57 $ 5,045,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 49 $ 8,935,000
Pioneer Bank
3000 N. MAIN ST. / P. O. BOX 130
ROSWELL, NM 88201
* $ 819,920,000 39 $ 6,105,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 39 $ 6,595,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 1,140,870,000 28 $ 6,240,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 28 $ 5,030,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 90,056,875,000 22 $ 3,050,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 20 $ 3,440,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 20 $ 3,510,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 19 $ 4,195,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 18 $ 3,650,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 15 $ 2,695,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 3,240,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 14 $ 3,210,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,190,394,000 13 $ 1,315,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 11 $ 995,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 2,255,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 10 $ 2,620,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 9 $ 1,855,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 8 $ 1,220,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 8 $ 510,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 7 $ 1,025,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,425,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 965,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 785,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ 784,398,000 7 $ 805,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 1,035,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 6 $ 900,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 6 $ 1,110,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 1,310,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 5 $ 945,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 5 $ 775,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 835,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 5 $ 785,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 5 $ 925,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 4 $ 1,320,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 800,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 4 $ 800,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 22,689,286,000 4 $ 1,110,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 930,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 4 $ 890,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 4 $ 610,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ -1,000 4 $ 1,140,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 440,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 3 $ 905,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 405,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 375,000
Citizens Bank of Las Cruces
505 S MAIN STREET
LAS CRUCES, NM 88001
* $ 559,864,000 3 $ 405,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 365,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 3 $ 565,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 825,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 7,703,083,000 3 $ 1,265,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 3 $ 255,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 3,561,569,000 3 $ 345,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 795,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 87,268,647,000 3 $ 395,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 555,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 3 $ 905,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 3 $ 495,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 3 $ 275,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 3 $ 565,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 3 $ 445,000
Rocky Mountain Mortgage Company
2244 TRAWOOD SUITE 100
EL PASO, TX 79935
* $ -1,000 2 $ 760,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 320,000
First National Bank Mortgage
1540 E. SOUTHLAKE BLVD
SOUTHLAKE, TX 76092
* $ 475,542,000 2 $ 490,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 410,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 500,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 910,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 2 $ 110,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 2 $ 920,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 2 $ 470,000
Western Bank
5701 82ND ST
LUBBOCK, TX 79401
* $ 240,727,000 2 $ 670,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 2 $ 270,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ 190,245,000 2 $ 620,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 440,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 2 $ 1,140,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 360,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 2 $ 250,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 1,351,767,000 2 $ 920,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 340,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 382,595,000 2 $ 280,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 390,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 280,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 2 $ 430,000
The Home Lending Group, LLC
215 KATHERINE DRIVE
FLOWOOD, MS 39232
* $ -1,000 2 $ 270,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 2 $ 950,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 500,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 560,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 2 $ 70,000
Bank of Colorado
1609 EAST HARMONY RD
FORT COLLINS, CO 80525
* $ 4,026,669,000 1 $ 205,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 55,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 475,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 105,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 1 $ 225,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 135,000
Pinnacle Bank
PO BOX 676
FORT WORTH, TX 76102
* $ 1,339,377,000 1 $ 205,000
Gardner Financial Services, Ltd.
3503 PAESANOS PKWY
SAN ANTONIO, TX 78231
* $ -1,000 1 $ 335,000
West Texas National Bank
6 DESTA DRIVE STE 2400
MIDLAND, TX 79705
* $ 1,430,581,000 1 $ 215,000
White Sands Federal Credit Union
2755 N MAIN ST
LAS CRUCES, NM 88004
* $ 307,924,000 1 $ 35,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 115,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 195,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 125,000
Waggoner National Bank
1818 TEXAS ST
VERNON, TX 76384
* $ 294,284,000 1 $ 275,000
Coleman County State Bank
118 WEST PECAN STREET, P O BOX 940
COLEMAN, TX 76834
* $ 114,980,000 1 $ 65,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ -1,000 1 $ 295,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 275,000
Western Commerce Bank
PO BOX 1358
CARLSBAD, NM 88220
* $ 493,995,000 1 $ 55,000
Evolve Federal Credit Union
8840 GAZELLE DR.
EL PASO, TX 79925
* $ 307,842,000 1 $ 345,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ 917,257,000 1 $ 275,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 155,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 364,005,000 1 $ 135,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 115,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 105,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 1 $ 75,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 235,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ 984,073,000 1 $ 185,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 195,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 85,000
Southern Heritage Bank
701 FOURTH ST
JONESVILLE, LA 71343
* $ 305,679,000 1 $ 495,000
The City National Bank of Sulphur Springs
1108 S BROADWAY ST
SULPHUR SPRINGS, TX 75482
* $ 722,873,000 1 $ 285,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 1,874,272,000 1 $ 255,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 125,000
Firstbank Southwest
2401 S. GEORGIA
AMARILLO, TX 79109
* $ 996,832,000 1 $ 225,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 245,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,513,109,000 1 $ 195,000
Community Mortgage Funding, LLC
3201 WEST TEMPLE AVE, SUITE 120
POMONA, CA 91768
* $ -1,000 1 $ 275,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 1 $ 285,000
The Roscoe State Bank
PO BOX 609
ROSCOE, TX 79545
* $ 161,034,000 1 $ 585,000
Kirtland Federal Credit Union
6440 GIBSON BLVD SE
ALBUQUERQUE, NM 87108
* $ 789,505,000 1 $ 115,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 1 $ 355,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 155,000
Happy State Bank
701 S TAYLOR, LB 120
AMARILLO, TX 79101
* $ 3,444,514,000 1 $ 225,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 949,720,000 1 $ 155,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 1 $ 285,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 175,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 275,000
Raiz Federal Credit Union
12020 ROJAS
EL PASO, TX 79936
* $ 653,032,000 1 $ 75,000
Austin Telco FCU
8929 SHOAL CREEK BLVD
AUSTIN, TX 78759
* $ 1,555,295,000 1 $ 195,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 585,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 375,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 75,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 7,347,510,000 1 $ 95,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ 2,268,470,000 1 $ 185,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 115,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ 732,343,000 1 $ 195,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 405,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 10,105,549,000 1 $ 75,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 9,842,314,000 1 $ 635,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 205,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 125,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 315,000
Legacy Mortgage LLC
6725 ACADEMY ROAD NE
ALBUQUERQUE, NM 87109
* $ -1,000 1 $ 345,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 315,000

The tables below break down 2019 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 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 705 $131,595,000 $186,000 $1,525,000 $135,000 $6,738,000
Refinancing 180 $35,960,000 $199,000 $755,000 $116,000 $1,930,000
Cash-out Refinancing 170 $32,550,000 $191,000 $675,000 $99,000 $1,848,000
Other Purpose 49 $6,215,000 $126,000 $455,000 $86,000 $470,000
Home Improvement 42 $3,060,000 $72,000 $205,000 $77,000 $477,000
Not Applicable 11 $2,235,000 $203,000 $485,000 $119,000 $170,000

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 743 $137,555,000 $185,000 $1,525,000 $125,000 $6,738,000
Hispanic 204 $30,440,000 $149,000 $675,000 $99,000 $1,848,000
Not Provided 96 $18,510,000 $192,000 $485,000 $154,000 $1,252,000
Not applicable 91 $20,425,000 $224,000 $755,000 $139,000 $539,000
Black or African American 10 $1,980,000 $198,000 $265,000 $103,000 $400,000
American Indian or Alaskan Native 9 $1,505,000 $167,000 $285,000 $80,000 $202,000
Asian 4 $1,200,000 $300,000 $395,000 $134,000 $278,000
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) 884 $160,180,000 $181,000 $1,525,000 $139,000 $6,738,000
FHA-insured (Federal Housing Administration) 138 $22,300,000 $161,000 $325,000 $58,000 $186,000
VA-guaranteed (Veterans Administration) 116 $26,410,000 $227,000 $575,000 $70,000 $328,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $2,725,000 $143,000 $205,000 $48,000 $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 574 $114,680,000 $199,000 $1,525,000 $142,000 $6,738,000
Application Denied By Financial Institution 212 $28,500,000 $134,000 $445,000 $63,000 $351,000
Application Withdrawn By Applicant 164 $29,440,000 $179,000 $575,000 $135,000 $1,930,000
Loan Purchased By The Institution 124 $25,520,000 $205,000 $755,000 $150,000 $1,252,000
File Closed For Incompleteness 61 $9,795,000 $160,000 $555,000 $90,000 $348,000
Application Approved But Not Accepted 22 $3,680,000 $167,000 $465,000 $100,000 $264,000
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 907 $175,435,000 $193,000 $1,525,000 $128,000 $1,930,000
Debt-To-Income Ratio 99 $15,805,000 $159,000 $585,000 $157,000 $6,738,000
Credit History 52 $6,140,000 $118,000 $225,000 $65,000 $270,000
Collateral 34 $4,630,000 $136,000 $445,000 $68,000 $249,000
Credit Application Incomplete 30 $4,980,000 $166,000 $395,000 $67,000 $180,000
Other 17 $2,175,000 $127,000 $245,000 $87,000 $246,000
Unverifiable Information 11 $1,725,000 $156,000 $305,000 $64,000 $159,000
Insufficient Cash (Downpayment, Closing Cost) 5 $565,000 $113,000 $155,000 $70,000 $110,000
Employment History 2 $160,000 $80,000 $95,000 $54,000 $70,000
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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