Lincoln County, OK Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,672 mortgage applications in Lincoln County, OK totaling $151.4 million, down 3% from 2008. The average application was for $90,000, and applicants reported an average income of $63,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Bancfirst, with 190 applications, followed by Bank of America, N.A. 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 | 1,672 |
| Total Mortgage Loan Application Amount | $151,446,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $534,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $540,000 |
* 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 |
|---|---|---|---|---|
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 3,854,707,000 | 190 | $ 10,286,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 123 | $ 14,531,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 109 | $ 11,887,000 |
| Stroud National Bank 300 W MAIN ST. STROUD, OK 74079 |
* | $ 77,446,000 | 105 | $ 6,948,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 488,314,000 | 99 | $ 5,557,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 1,806,878,000 | 65 | $ 3,179,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 54 | $ 5,434,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 1,265,063,000 | 53 | $ 4,923,000 |
| First Bank of Chandler P.O. BOX 218 CHANDLER, OK 74834 |
* | $ 69,051,000 | 48 | $ 4,115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 43 | $ 4,471,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 37 | $ 3,304,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 16,610,571,000 | 36 | $ 4,026,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 33 | $ 4,461,000 |
| Union Bank of Chandler P.O. BOX 278, 1001 MANVEL CHANDLER, OK 74834 |
* | $ 127,508,000 | 33 | $ 3,187,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 31 | $ 3,730,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 31 | $ 3,941,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,039,978,000 | 29 | $ 3,305,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 28 | $ 1,775,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 27 | $ 3,001,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 26 | $ 2,951,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 24 | $ 3,043,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 23 | $ 2,150,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 21 | $ 2,301,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 10,638,109,000 | 20 | $ 1,274,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 1,052,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 17 | $ 1,374,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 264,025,000 | 16 | $ 1,382,000 |
| Citifinancial Equity Services 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 14 | $ 546,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 13 | $ 1,758,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 1,154,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 12 | $ 1,363,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 9 | $ 1,420,000 |
| First Bank & Trust Company PO BOX 427 WAGONER, OK 74477 |
* | $ 212,686,000 | 9 | $ 456,000 |
| First National Bank 2911 S. AIR DEPOT BLVD MIDWEST CITY, OK 73110 |
* | $ 358,850,000 | 9 | $ 925,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 10,210,879,000 | 9 | $ 267,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 9 | $ 1,299,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 66,890,239,000 | 7 | $ 633,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 480,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,853,520,000 | 6 | $ 296,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 278,594,000 | 6 | $ 89,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 628,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 579,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 5 | $ 586,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 611,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 5 | $ 665,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 4 | $ 31,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 4 | $ 417,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 4 | $ 348,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 4 | $ 459,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 4 | $ 615,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 319,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 321,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 3 | $ 397,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 371,000 |
| Oklahoma Federal Credit Union 517 NE 36TH STREET OKLAHOMA CITY, OK 73105 |
* | $ 60,405,000 | 3 | $ 247,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ 350,262,000 | 3 | $ 347,000 |
| Allegiance Federal Credit Union 4235 N MERIDIAN AVE OKLAHOMA CITY, OK 73112 |
* | $ 181,446,000 | 3 | $ 381,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 247,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 353,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 529,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 3 | $ 307,000 |
| First Commercial Bank 1601 SOUTH KELLY AVENUE EDMOND, OK 73013 |
* | $ 222,665,000 | 3 | $ 422,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 3 | $ 367,000 |
| Advantage Bank 8001 N.E. 23RD STREET OKLAHOMA CITY, OK 73141 |
* | $ 47,086,000 | 3 | $ 154,000 |
| Coppermark Bank 2700 N PORTLAND AVE OKLAHOMA CITY, OK 73107 |
* | $ 1,063,614,000 | 2 | $ 135,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 2 | $ 252,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 137,341,000 | 2 | $ 174,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 296,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 2 | $ 262,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 2 | $ 177,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 321,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 2 | $ 279,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 249,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 488,155,000 | 2 | $ 227,000 |
| Bank Snb, NA 608 S MAIN STILLWATER, OK 74074 |
* | $ 2,743,888,000 | 2 | $ 364,000 |
| First Fidelity Bank, NA 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 1,135,463,000 | 2 | $ 172,000 |
| First National Bank and Trust Company 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ 185,625,000 | 2 | $ 444,000 |
| Bank of Arkansas, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 285,264,000 | 2 | $ 134,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 82,981,000 | 2 | $ 211,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,041,440,000 | 2 | $ 352,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 2 | $ 375,000 |
| Town Square Mortgage & Investments LLC 17300 DALLAS PKWY, STE 1030 DALLAS, TX 75248 |
* | $ 1,000,000,000 | 2 | $ 197,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 665,217,000 | 2 | $ 179,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 2 | $ 286,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 75,000 |
| Classic Home Financial, Inc. 10700 RICHMOND AVENUE #150 HOUSTON, TX 77042 |
* | $ 428,000,000 | 2 | $ 252,000 |
| Mortgage Solutions of Co, LLC 5455 N UNION BLVD # 105 COLORADO SPRINGS, CO 80918 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 299,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 2 | $ 359,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 222,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 49,000 |
| Continental Home Loans Inc. 175 PINELAWN ROAD, SUITE 303 MELVILLE, NY 11747 |
* | $ 14,386,000 | 1 | $ 137,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 115,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Mason McDuffie Mortgage Corp 2010 CROW CANYON PLACE, SUITE 400 SAN RAMON, CA 94583 |
* | $ 1,300,000 | 1 | $ 101,000 |
| Municipal Employees Credit Union 101 N WALKER AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 98,520,000 | 1 | $ 12,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 97,000 |
| The Focus Federal Credit Union 420 NE 10TH ST OKLAHOMA CITY, OK 73104 |
* | $ 74,918,000 | 1 | $ 29,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 59,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 187,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 81,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 509,209,000 | 1 | $ 101,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 141,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 185,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 18,000 |
| Mvb Mortgage Corporation 24400 NORTHWESTERN HIGHWAY, SUITE 200 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Bank of Commerce PO BOX 29 CHELSEA, OK 74016 |
* | $ 160,637,000 | 1 | $ 128,000 |
| Pilot Bank 12471 W. LINEBAUGH AVE TAMPA, FL 33626 |
* | $ 252,466,000 | 1 | $ 29,000 |
| F&M Bank & Trust 1330 S. HARVARD TULSA, OK 74104 |
* | $ 1,353,814,000 | 1 | $ 202,000 |
| First American Bank 324 W MAIN PURCELL, OK 73080 |
* | $ 289,265,000 | 1 | $ 106,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 130,000 |
| Equity Bank 7701 E KELLOGG STE 200 WICHITA, KS 67207 |
* | $ 380,607,000 | 1 | $ 85,000 |
| Colorado State Bank & Trust NA PO BOX 2300 TULSA, OK 74102 |
* | $ 1,338,323,000 | 1 | $ 216,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 334,064,000 | 1 | $ 7,000 |
| Exchange National Bank 600 NW 5TH MOORE, OK 73160 |
* | $ 117,660,000 | 1 | $ 46,000 |
| Quail Creek Bank, National Association 12201 N. MAY AVENUE OKLAHOMA CITY, OK 73120 |
* | $ 402,651,000 | 1 | $ 60,000 |
| Yukon National Bank P O BOX 851700 YUKON, OK 73085 |
* | $ 217,344,000 | 1 | $ 19,000 |
| Atlantic Coast Bank 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 993,012,000 | 1 | $ 83,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 70,000 |
| Metabank PO BOX 1307 STORM LAKE, IA 50588 |
* | $ 857,466,000 | 1 | $ 109,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 234,279,000 | 1 | $ 113,000 |
| Kirkpatrick Bank 15 E 15TH ST EDMOND, OK 73013 |
* | $ 453,705,000 | 1 | $ 2,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 114,000 |
| Nbc Oklahoma 13401 N PENN OKC, OK 73120 |
* | $ 449,026,000 | 1 | $ 180,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 1,297,354,000 | 1 | $ 9,000 |
| Oklahoma State Bank 2610 S DIVISION GUTHRIE, OK 73044 |
* | $ 43,751,000 | 1 | $ 68,000 |
| Community Bank P.O. BOX 1020 BRISTOW, OK 74010 |
* | $ 62,806,000 | 1 | $ 68,000 |
The tables below break down 2009 mortgage applications in Lincoln County, OK 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, OK in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 946 | $96,639,000 | $102,000 | $390,000 | $66,000 | $490,000 |
| Home Purchase | 494 | $46,262,000 | $93,000 | $357,000 | $57,000 | $490,000 |
| Home Improvement | 232 | $8,545,000 | $36,000 | $534,000 | $64,000 | $540,000 |
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 | 1,353 | $125,104,000 | $92,000 | $534,000 | $66,000 | $490,000 |
| Not Provided | 121 | $11,544,000 | $95,000 | $258,000 | $60,000 | $540,000 |
| Not applicable | 89 | $7,119,000 | $79,000 | $203,000 | $21,000 | $129,000 |
| American Indian or Alaskan Native | 61 | $4,116,000 | $67,000 | $167,000 | $51,000 | $172,000 |
| Hispanic | 25 | $1,846,000 | $73,000 | $177,000 | $60,000 | $166,000 |
| Black or African American | 18 | $819,000 | $45,000 | $143,000 | $45,000 | $142,000 |
| Asian | 3 | $575,000 | $191,000 | $276,000 | $126,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $323,000 | $161,000 | $276,000 | $77,000 | $109,000 |
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) | 1,172 | $96,834,000 | $82,000 | $534,000 | $69,000 | $540,000 |
| FHA-insured (Federal Housing Administration) | 360 | $40,152,000 | $111,000 | $276,000 | $51,000 | $293,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 70 | $6,371,000 | $91,000 | $202,000 | $32,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 70 | $8,089,000 | $115,000 | $276,000 | $51,000 | $135,000 |
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 | 872 | $73,612,000 | $84,000 | $534,000 | $69,000 | $490,000 |
| Application Denied By Financial Institution | 311 | $25,915,000 | $83,000 | $390,000 | $53,000 | $252,000 |
| Loan Purchased By The Institution | 229 | $25,702,000 | $112,000 | $356,000 | $51,000 | $346,000 |
| Application Withdrawn By Applicant | 142 | $15,373,000 | $108,000 | $283,000 | $66,000 | $372,000 |
| Application Approved But Not Accepted | 85 | $7,444,000 | $87,000 | $309,000 | $62,000 | $540,000 |
| File Closed For Incompleteness | 31 | $3,235,000 | $104,000 | $190,000 | $60,000 | $133,000 |
| Preapproval Denied by Financial Institution | 2 | $165,000 | $82,000 | $125,000 | $41,000 | $48,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 67 | $3,995,000 | $59,000 | $225,000 | $42,000 | $151,000 |
| Collateral | 59 | $5,999,000 | $101,000 | $300,000 | $64,000 | $180,000 |
| Debt-To-Income Ratio | 39 | $3,989,000 | $102,000 | $240,000 | $41,000 | $145,000 |
| Other | 18 | $1,803,000 | $100,000 | $355,000 | $57,000 | $198,000 |
| Credit Application Incomplete | 6 | $951,000 | $158,000 | $235,000 | $86,000 | $175,000 |
| Unverifiable Information | 3 | $231,000 | $77,000 | $96,000 | $108,000 | $150,000 |
| Employment History | 3 | $147,000 | $49,000 | $73,000 | $50,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $58,000 | $58,000 | $58,000 | $49,000 | $49,000 |
| Mortgage Insurance Denied | 1 | $154,000 | $154,000 | $154,000 | $83,000 | $83,000 |
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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