Lincoln County, OK Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,431 mortgage applications in Lincoln County, OK totaling $133.7 million, about the same as 2012. The average application was for $93,000, and applicants reported an average income of $64,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Bancfirst, with 254 applications, followed by Vision 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 | 1,431 |
| Total Mortgage Loan Application Amount | $133,675,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,934,000 |
* 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 |
* | $ 6,004,568,000 | 254 | $ 18,723,000 |
| Vision Bank PO BOX 669 ADA, OK 74820 |
* | $ 635,520,000 | 110 | $ 8,253,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 89 | $ 9,448,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 73 | $ 5,672,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 2,941,572,000 | 72 | $ 3,507,000 |
| Stroud National Bank 300 W MAIN ST. STROUD, OK 74079 |
* | $ 80,283,000 | 58 | $ 3,595,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 50 | $ 2,702,000 |
| Mortgage Clearing Corporation 5612 S LEWIS TULSA, OK 74105 |
* | $ 10,000,000 | 46 | $ 6,859,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 44 | $ 5,958,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 39 | $ 4,969,000 |
| First Bank of Chandler P.O. BOX 218 CHANDLER, OK 74834 |
* | $ 80,936,000 | 37 | $ 2,747,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 23 | $ 3,607,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 23 | $ 1,918,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 13,199,987,000 | 23 | $ 2,961,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,236,657,000 | 21 | $ 2,273,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 20 | $ 2,052,000 |
| First Bank & Trust Company PO BOX 427 WAGONER, OK 74477 |
* | $ 270,234,000 | 18 | $ 1,261,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 18 | $ 2,290,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 988,419,000 | 16 | $ 1,648,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 1,818,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 13,199,987,000 | 15 | $ 486,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 14 | $ 1,413,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 14 | $ 2,079,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 14 | $ 1,572,000 |
| Oklahoma's Credit Union PO BOX 24027 OKLAHOMA CITY, OK 73124 |
* | $ 411,593,000 | 13 | $ 1,431,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 11 | $ 1,906,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 1,086,000 |
| Fnb Community Bank 2911 S AIR DEPOT BLVD MIDWEST CITY, OK 73110 |
* | $ 449,380,000 | 9 | $ 400,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 9 | $ 1,085,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 8 | $ 1,324,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 850,646,000 | 7 | $ 480,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 7 | $ 761,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 7 | $ 1,044,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,032,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 6 | $ 620,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 947,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 6 | $ 334,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,836,378,000 | 6 | $ 224,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 6 | $ 858,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 63,343,359,000 | 5 | $ 415,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 5 | $ 392,000 |
| Bank Snb, NA 608 S MAIN STILLWATER, OK 74074 |
* | $ 1,791,565,000 | 5 | $ 918,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 5 | $ 647,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 593,000 |
| Weokie Federal Credit Union 8100 W RENO OKLAHOMA CITY, OK 73127 |
* | $ 880,644,000 | 5 | $ 361,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 5 | $ 618,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 613,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 361,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 608,000 |
| Allegiance Federal Credit Union 4235 N MERIDIAN AVE OKLAHOMA CITY, OK 73112 |
* | $ 235,677,000 | 4 | $ 336,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 4 | $ 364,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 4 | $ 87,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,076,739,000 | 3 | $ 445,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 329,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 3 | $ 335,000 |
| City National Bank and Trust PO BOX 2009 LAWTON, OK 73502 |
* | $ 336,863,000 | 3 | $ 149,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 3 | $ 281,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 278,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 3 | $ 341,000 |
| First Fidelity Bank, NA 5100 N CLASSEN BLVD SUITE 500 OKLAHOMA CITY, OK 73118 |
* | $ 1,194,226,000 | 3 | $ 420,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ 5,500,000 | 2 | $ 155,000 |
| First Commercial Bank 1601 SOUTH KELLY AVENUE EDMOND, OK 73013 |
* | $ 324,347,000 | 2 | $ 203,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 265,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 460,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 429,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 2 | $ 116,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 204,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 205,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 195,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 233,000 |
| True Sky Federal Credit Union P.O. BOX 26406 OKLAHOMA CITY, OK 73126 |
* | $ 533,314,000 | 2 | $ 106,000 |
| Frontier State Bank 5100 S. I-35 SVC RD OKLAHOMA CITY, OK 73129 |
* | $ 576,451,000 | 2 | $ 288,000 |
| First Enterprise Bank 2115 SW 44TH STREET OKLAHOMA CITY, OK 73119 |
* | $ 154,074,000 | 2 | $ 92,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 2 | $ 333,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 2 | $ 299,000 |
| Interbank 4921 NORTH MAY AVENUE OKLAHOMA CITY, OK 73112 |
* | $ 1,878,279,000 | 2 | $ 236,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 2 | $ 131,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 2 | $ 220,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 2 | $ 233,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 302,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 167,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 88,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 100,000 |
| The Bank of the West PO BOX 160 THOMAS, OK 73669 |
* | $ 135,615,000 | 1 | $ 53,000 |
| Texas Bank Financial 901 SANTA FE DRIVE WEATHERFORD, TX 76086 |
* | $ 88,211,000 | 1 | $ 91,000 |
| Republic Bank & Trust 401 W. MAIN NORMAN, OK 73069 |
* | $ 410,759,000 | 1 | $ 74,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 205,000 |
| Bank of Commerce P.O. BOX 851520 YUKON, OK 73085 |
* | $ 184,097,000 | 1 | $ 143,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 143,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Centennial Lending, LLC 4112 KODIAK COURT, UNIT D FIRESTONE, CO 80504 |
* | $ 3,406,000,000 | 1 | $ 143,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Red Crown Federal Credit Union 5001 E 91ST ST TULSA, OK 74137 |
* | $ 143,296,000 | 1 | $ 57,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 32,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 72,000 |
| The First National Bank & Trust Co PO BOX 1130 CHICKASHA, OK 73018 |
* | $ 412,246,000 | 1 | $ 69,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 1,751,541,000 | 1 | $ 223,000 |
| Oklahoma State Bank 2610 S DIVISION GUTHRIE, OK 73044 |
* | $ 62,748,000 | 1 | $ 41,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 149,000 |
| Kirkpatrick Bank 15 E 15TH ST EDMOND, OK 73013 |
* | $ 625,640,000 | 1 | $ 11,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 1 | $ 151,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 18,000 |
| Municipal Employees Credit Union 101 N WALKER AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 127,497,000 | 1 | $ 10,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,634,000 | 1 | $ 73,000 |
| Citizens Bank of Edmond 1 E. 1ST STREET EDMOND, OK 73034 |
* | $ 281,275,000 | 1 | $ 50,000 |
| F&M Bank & Trust 1330 S. HARVARD TULSA, OK 74104 |
* | $ 2,309,312,000 | 1 | $ 57,000 |
| Blue Sky Bank 3353 E 41ST STREET TULSA, OK 74135 |
* | $ 164,549,000 | 1 | $ 31,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,595,673,000 | 1 | $ 31,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 1 | $ 219,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 115,000 |
| First American Mortgage, Inc. 1501 S. RANCHWOOD BLVD. YUKON, OK 73099 |
* | $ 1,749,000 | 1 | $ 138,000 |
| Leader Mortgage Corp. 3400 PARK PL N MUSKOGEE, OK 74403 |
* | $ 1,100,000,000 | 1 | $ 102,000 |
| The Bank of Union 2000 S. COUNTRY CLUB RD. EL RENO, OK 73036 |
* | $ 382,120,000 | 1 | $ 156,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 1 | $ 52,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 862,757,000 | 1 | $ 114,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 284,479,000 | 1 | $ 169,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 38,000 |
| First State Bank 102 N MAIN NOBLE, OK 73068 |
* | $ 58,261,000 | 1 | $ 2,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 421,754,000 | 1 | $ 58,000 |
| First National Bank and Trust Company 130 E MACARTHUR SHAWNEE, OK 74804 |
* | $ 237,919,000 | 1 | $ 34,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 186,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 266,761,000 | 1 | $ 257,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Cobalt Mortgage, Inc. 11241 SLATER AVE NE, SUITE 200 KIRKLAND, WA 98033 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 80,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 161,000 |
The tables below break down 2013 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 2013
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 | 629 | $64,118,000 | $101,000 | $417,000 | $63,000 | $1,934,000 |
| Refinancing | 597 | $63,723,000 | $106,000 | $417,000 | $67,000 | $712,000 |
| Home Improvement | 205 | $5,834,000 | $28,000 | $416,000 | $61,000 | $510,000 |
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 | 1,158 | $107,163,000 | $92,000 | $417,000 | $68,000 | $1,934,000 |
| Not Provided | 106 | $10,619,000 | $100,000 | $296,000 | $56,000 | $151,000 |
| Not applicable | 68 | $6,903,000 | $101,000 | $380,000 | $20,000 | $148,000 |
| American Indian or Alaskan Native | 68 | $5,797,000 | $85,000 | $275,000 | $65,000 | $420,000 |
| Black or African American | 17 | $1,691,000 | $99,000 | $220,000 | $48,000 | $136,000 |
| Hispanic | 11 | $1,037,000 | $94,000 | $234,000 | $78,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $465,000 | $155,000 | $213,000 | $69,000 | $97,000 |
| Asian | 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) | 1,118 | $94,976,000 | $84,000 | $417,000 | $70,000 | $1,934,000 |
| FHA-insured (Federal Housing Administration) | 195 | $22,972,000 | $117,000 | $267,000 | $45,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 68 | $10,242,000 | $150,000 | $373,000 | $45,000 | $115,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $5,485,000 | $109,000 | $230,000 | $44,000 | $90,000 |
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 | 749 | $62,594,000 | $83,000 | $380,000 | $66,000 | $712,000 |
| Application Denied By Financial Institution | 290 | $25,800,000 | $88,000 | $416,000 | $60,000 | $712,000 |
| Loan Purchased By The Institution | 162 | $19,790,000 | $122,000 | $373,000 | $60,000 | $1,934,000 |
| Application Approved But Not Accepted | 106 | $9,524,000 | $89,000 | $417,000 | $67,000 | $405,000 |
| Application Withdrawn By Applicant | 91 | $11,400,000 | $125,000 | $417,000 | $68,000 | $360,000 |
| File Closed For Incompleteness | 33 | $4,567,000 | $138,000 | $390,000 | $76,000 | $216,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 66 | $5,326,000 | $80,000 | $265,000 | $65,000 | $510,000 |
| Debt-To-Income Ratio | 28 | $2,980,000 | $106,000 | $397,000 | $51,000 | $113,000 |
| Collateral | 19 | $2,113,000 | $111,000 | $223,000 | $106,000 | $525,000 |
| Credit Application Incomplete | 8 | $1,006,000 | $125,000 | $240,000 | $51,000 | $133,000 |
| Other | 8 | $1,009,000 | $126,000 | $248,000 | $55,000 | $136,000 |
| Employment History | 3 | $405,000 | $135,000 | $154,000 | $56,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $101,000 | $50,000 | $71,000 | $47,000 | $60,000 |
| Unverifiable Information | 2 | $205,000 | $102,000 | $130,000 | $53,000 | $106,000 |
| 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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