Lincoln County, NM Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 889 mortgage applications in Lincoln County, NM totaling $235.4 million, down 8% from 2023. The average application was for $264,000, and applicants reported an average income of $156,000. 46% of applications resulted in an originated loan and 22% were denied. The most active lender was United Wholesale Mortgage, with 96 applications, followed by 21st Mortgage and City 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 889
Total Mortgage Loan Application Amount $235,365,000
Average Mortgage Loan Application Amount $264,000
Highest Mortgage Loan Application Amount $1,425,000
Average Applicant Income $156,000
Highest Applicant Income $1,936,000

Mortgage Company List for Lending in Lincoln County, NM for 2024

* 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
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 96 $ 33,300,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 78 $ 11,870,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ n/a 58 $ 15,750,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 42 $ 11,890,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 22 $ 6,800,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 18 $ 5,830,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 17 $ 5,435,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 17 $ 4,075,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 16 $ 2,270,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 15 $ 3,285,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 14 $ 2,210,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 14 $ 2,850,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 13 $ 2,725,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 12 $ 2,010,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 2,445,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 11 $ 1,875,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 11 $ 2,885,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 2,655,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 10 $ 1,220,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 10 $ 1,090,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 9 $ 3,095,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 9 $ 2,975,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 2,255,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 8 $ 1,360,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 3,170,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,930,000
Gecu
1225 AIRWAY BLVD
EL PASO, TX 79925
* $ n/a 8 $ 1,720,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 1,915,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 7 $ 1,855,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 7 $ 3,435,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 6 $ 2,430,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 6 $ 1,780,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,630,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 6 $ 1,620,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ n/a 6 $ 1,730,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 6 $ 660,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 6 $ 1,220,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 6 $ 2,220,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 5 $ 1,385,000
Pioneer Bank
3000 N. MAIN ST. / P. O. BOX 130
ROSWELL, NM 88201
* $ n/a 5 $ 2,055,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 645,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 1,155,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 4 $ 690,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ n/a 4 $ 1,830,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 4 $ 1,010,000
Sunward
3707 JUAN TABO NE
ALBUQUERQUE, NM 87109
* $ n/a 4 $ 490,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 480,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 1,190,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ n/a 3 $ 635,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 755,000
Firstlight Federal Credit Unio
9983 KENWORTHY ST.
EL PASO, TX 79924
* $ n/a 3 $ 1,525,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 3 $ 1,125,000
Htlf Bank
1800 LARIMER ST #1800
DENVER, CO 80202
* $ n/a 3 $ 325,000
Kirtland Federal Credit Union
6440 GIBSON BLVD SE
ALBUQUERQUE, NM 87108
* $ n/a 3 $ 265,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 3 $ 695,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 3 $ 895,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 3 $ 635,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 3 $ 365,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 850,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 2 $ 680,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 430,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 2 $ 930,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 2 $ 700,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ n/a 2 $ 1,010,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 100,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 2 $ 430,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 1,030,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 2 $ 1,150,000
Western Commerce Bank
PO BOX 1358
CARLSBAD, NM 88220
* $ n/a 2 $ 530,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 720,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ n/a 2 $ 150,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 2 $ 560,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 2 $ 890,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 630,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ n/a 2 $ 270,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 90,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 530,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 590,000
Bank of the Southwest
226 N MAIN ST
ROSWELL, NM 88201
* $ n/a 2 $ 380,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 1 $ 165,000
Northview Bank
510 MAIN STREET
SANDSTONE, MN 55072
* $ n/a 1 $ 385,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 1 $ 255,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 295,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 215,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 165,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ n/a 1 $ 205,000
First United Bank
5802 4TH STREET
LUBBOCK, TX 79416
* $ n/a 1 $ 405,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 85,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 275,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 175,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 425,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ n/a 1 $ 345,000
Del Norte Credit Union
PO BOX 1180
LOS ALAMOS, NM 87544
* $ n/a 1 $ 55,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 205,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 695,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 205,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ n/a 1 $ 185,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 1,155,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ n/a 1 $ 355,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 1 $ 215,000
U.S. Eagle Federal Credit Union
5201 ANTEQUERA NW
ALBUQUERQUE, NM 87120
* $ n/a 1 $ 275,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 425,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 1 $ 205,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 1 $ 295,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 205,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 1 $ 25,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 505,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 195,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 1 $ 335,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 225,000
Citizens Bank of Las Cruces
505 S MAIN STREET
LAS CRUCES, NM 88001
* $ n/a 1 $ 145,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ n/a 1 $ 125,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ n/a 1 $ 215,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 1 $ 185,000
Bank of Desoto, N. A.
2011 N HAMPTON RD
DESOTO, TX 75115
* $ n/a 1 $ 165,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 215,000
Union Square Credit Union
2903 KEMP BOULEVARD
WICHITA FALLS, TX 76308
* $ n/a 1 $ 305,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 265,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 275,000
First Financial Credit Union
601 TIJERAS NW
ALBUQUERQUE, NM 87107
* $ n/a 1 $ 175,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 335,000
Alliance Credit Union
8401 QUAKER AVE
LUBBOCK, TX 79424
* $ n/a 1 $ 345,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ n/a 1 $ 1,215,000
Pinnacle Bank
PO BOX 676
FORT WORTH, TX 76102
* $ n/a 1 $ 465,000
Intouch Credit Union
P O BOX 250169
PLANO, TX 75025
* $ n/a 1 $ 465,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 125,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 115,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ n/a 1 $ 1,005,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 405,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 185,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 475,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 325,000
Rocky Mountain Mortgage Company
2244 TRAWOOD SUITE 100
EL PASO, TX 79935
* $ n/a 1 $ 195,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ n/a 1 $ 105,000
First National Bank of Anson
P O BOX 672
ANSON, TX 79501
* $ n/a 1 $ 455,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 215,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 365,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ n/a 1 $ 1,075,000
State Employees Credit Union
813 ST. MICHAELS DR.
SANTA FE, NM 87505
* $ n/a 1 $ 15,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ n/a 1 $ 215,000
Lrs Financial Network dba Hnb Mortgage
2101 W. WADLEY STE. 36
MIDLAND, TX 79705
* $ n/a 1 $ 205,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 1 $ 455,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 215,000
White Sands Federal Credit Union
2755 N MAIN ST
LAS CRUCES, NM 88004
* $ n/a 1 $ 135,000
Loanpeople, LLC
3420 EXECUTIVE CENTER DR #G100
AUSTIN, TX 78731
* $ n/a 1 $ 155,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ n/a 1 $ 335,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 255,000
Raiz Federal Credit Union
12020 ROJAS
EL PASO, TX 79936
* $ n/a 1 $ 1,425,000
American Partners Federal Credit Union
618 N SCALES ST
REIDSVILLE, NC 27320
* $ n/a 1 $ 155,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 1 $ 275,000
The First National Bank of Gra
101 E BRIDGE ST
GRANBURY, TX 76048
* $ n/a 1 $ 245,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 115,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 105,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ n/a 1 $ 215,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ n/a 1 $ 545,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 655,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 525,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 245,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 1 $ 115,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 385,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 205,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 305,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 1 $ 55,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 165,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 1 $ 105,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 1,155,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 225,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 285,000

The tables below break down 2024 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 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 598 $169,340,000 $283,000 $1,425,000 $167,000 $1,506,000
Cash-out Refinancing 125 $27,575,000 $220,000 $1,125,000 $108,000 $528,000
Refinancing 72 $23,340,000 $324,000 $955,000 $186,000 $1,936,000
Other Purpose 57 $7,505,000 $131,000 $755,000 $118,000 $1,196,000
Home Improvement 31 $4,255,000 $137,000 $505,000 $129,000 $500,000
Not Applicable 6 $3,350,000 $558,000 $1,145,000 $556,000 $702,000

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 470 $129,920,000 $276,000 $1,425,000 $165,000 $1,936,000
Hispanic 214 $50,440,000 $235,000 $1,005,000 $148,000 $1,312,000
Not Provided 101 $27,645,000 $273,000 $1,425,000 $150,000 $1,103,000
Not applicable 74 $23,490,000 $317,000 $1,155,000 $618,000 $618,000
American Indian or Alaskan Native 18 $1,890,000 $105,000 $375,000 $79,000 $268,000
Asian 6 $1,130,000 $188,000 $455,000 $137,000 $287,000
Black or African American 6 $850,000 $141,000 $295,000 $57,000 $90,000
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) 719 $189,165,000 $263,000 $1,425,000 $170,000 $1,936,000
FHA-insured (Federal Housing Administration) 93 $22,855,000 $245,000 $495,000 $79,000 $210,000
VA-guaranteed (Veterans Administration) 72 $22,880,000 $317,000 $715,000 $108,000 $366,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $465,000 $93,000 $215,000 $71,000 $74,000

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 409 $117,965,000 $288,000 $1,425,000 $177,000 $1,152,000
Application Denied By Financial Institution 198 $39,520,000 $199,000 $1,425,000 $105,000 $1,936,000
Application Withdrawn By Applicant 152 $41,620,000 $273,000 $1,205,000 $176,000 $1,506,000
Loan Purchased By The Institution 61 $20,205,000 $331,000 $1,155,000 $618,000 $618,000
File Closed For Incompleteness 46 $9,290,000 $201,000 $655,000 $135,000 $1,312,000
Application Approved But Not Accepted 23 $6,765,000 $294,000 $1,005,000 $138,000 $331,000
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 684 $194,080,000 $283,000 $1,425,000 $173,000 $1,506,000
Debt-To-Income Ratio 67 $12,585,000 $187,000 $685,000 $83,000 $348,000
Credit History 44 $7,470,000 $169,000 $355,000 $91,000 $306,000
Collateral 40 $7,480,000 $187,000 $665,000 $139,000 $1,936,000
Credit Application Incomplete 24 $7,370,000 $307,000 $1,425,000 $168,000 $730,000
Other 12 $3,760,000 $313,000 $605,000 $138,000 $432,000
Unverifiable Information 8 $1,360,000 $170,000 $335,000 $104,000 $231,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,010,000 $126,000 $195,000 $67,000 $97,000
Employment History 2 $250,000 $125,000 $205,000 $65,000 $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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