Lincoln County, WA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 773 mortgage applications in Lincoln County, WA totaling $109.2 million, up 9% from 2008. The average application was for $141,000, and applicants reported an average income of $61,000. 44% of applications resulted in an originated loan and 19% were denied. The most active lender was Bank of America, N.A., with 77 applications, followed by Wells Fargo Bank, NA and US Bank North Dakota.
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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 | 773 |
| Total Mortgage Loan Application Amount | $109,214,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $570,000 |
* 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 |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 77 | $ 10,970,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 62 | $ 8,597,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 47 | $ 4,921,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 28 | $ 4,674,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 27 | $ 3,653,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 26 | $ 3,969,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 22 | $ 3,672,000 |
| Cherry Creek Mortgage Co., Inc 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 20 | $ 3,189,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 19 | $ 2,518,000 |
| Golf Savings Bank 6505 218TH ST SW SUITE 6 MOUNTLAKE TERRACE, WA 98043 |
* | $ 519,651,000 | 18 | $ 2,639,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 2,768,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 17 | $ 2,193,000 |
| Wheatland Bank 222 N WALL SUITE 100 SPOKANE, WA 99201 |
* | $ 209,220,000 | 16 | $ 1,719,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 1,391,952,000 | 15 | $ 1,790,000 |
| Americanwest Bank P O BOX 105 CHEWELAH, WA 99109 |
* | $ 1,871,834,000 | 14 | $ 2,233,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 13 | $ 2,523,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 13 | $ 1,945,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 825,239,000 | 13 | $ 2,021,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 13 | $ 1,798,000 |
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ 1,138,619,000 | 12 | $ 961,000 |
| Horizon Nw Home Mortgage 13224 E MANSFIELD AVE, STE 110 SPOKANE VALLEY, WA 99216 |
* | $ 360,928,000 | 12 | $ 2,326,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 11 | $ 2,043,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 1,396,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 9 | $ 1,676,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 4,084,953,000 | 9 | $ 890,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 8 | $ 354,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 8 | $ 902,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 396,781,000 | 8 | $ 977,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,013,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 7 | $ 884,000 |
| Mountain West Bank P O BOX 1059 COEUR D'ALENE, ID 83816 |
* | $ 1,228,335,000 | 7 | $ 1,118,000 |
| Eagle Home Mortgage, LLC 301 116TH AVENUE SE #400 BELLEVUE, WA 98004 |
* | $ 10,000,000 | 7 | $ 976,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 6 | $ 857,000 |
| Sterling Savings Bank 111 N WALL ST SPOKANE, WA 99201 |
* | $ 12,264,416,000 | 6 | $ 800,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 290,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 5 | $ 758,000 |
| Mann Mortgage LLC 1220 WHITEFISH STAGE KALISPELL, MT 59901 |
* | $ 10,000,000 | 5 | $ 686,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 487,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 4 | $ 675,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 4 | $ 632,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 4 | $ 701,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 4 | $ 658,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 665,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 4 | $ 792,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 4 | $ 792,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 4,396,379,000 | 4 | $ 641,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 4 | $ 432,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 3 | $ 317,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 465,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 3 | $ 180,000 |
| Boeing Employees Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 8,700,985,000 | 3 | $ 279,000 |
| Global 1500 W 4TH AVE SPOKANE, WA 99201 |
* | $ 365,892,000 | 3 | $ 449,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 285,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 370,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 495,000 |
| Sunset Mortgage Co 16101 SW 72ND AVE STE 200 PORTLAND, OR 97224 |
* | $ 11,000,000 | 2 | $ 248,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 128,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 454,000 |
| Wallick and Volk 222 EAST 18TH CHEYENNE, WY 82001 |
* | $ 10,000,000 | 2 | $ 193,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 236,000 |
| Ward Lending Group LLC 2950 LIMITED LANE NW OLYMPIA, WA 98502 |
* | $ 1,400,000 | 2 | $ 273,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 274,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 2 | $ 240,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 2 | $ 266,000 |
| Cashmere Valley Bank PO BOX G CASHMERE, WA 98815 |
* | $ 1,000,935,000 | 2 | $ 581,000 |
| State Bank Northwest 12902 E SPRAGUE AVENUE SPOKANE VALLEY, WA 99216 |
* | $ 111,118,000 | 2 | $ 649,000 |
| Inland Northwest Bank 421 W RIVERSIDE AVE, STE 113 SPOKANE, WA 99201 |
* | $ 400,619,000 | 2 | $ 249,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 1,081,753,000 | 1 | $ 204,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 2,935,360,000 | 1 | $ 106,000 |
| North County Bank 16419 SMOKY POINT BLVD ARLINGTON, WA 98223 |
* | $ 349,771,000 | 1 | $ 164,000 |
| Seattle Bank 600 UNIVERSITY STREET SUITE 1850 SEATTLE, WA 98101 |
* | $ 665,426,000 | 1 | $ 112,000 |
| Bank of Fairfield PO BOX 267 FAIRFIELD, WA 99012 |
* | $ 139,457,000 | 1 | $ 237,000 |
| Umpqua Bank ONE SW COLUMBIA STREET, SUITE 1050 PORTLAND, OR 97258 |
* | $ 8,599,058,000 | 1 | $ 44,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 36,000 |
| Bank of Whitman 201 S. MAIN STREET/PO BOX 270 COLFAX, WA 99111 |
* | $ 690,212,000 | 1 | $ 245,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 1 | $ 155,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 1 | $ 107,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 124,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Oxford Lending Group, LLC 1 EAST CAMPUS VIEW BLVD STE #200 COLUMBUS, OH 43235 |
* | $ 700,000,000 | 1 | $ 89,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Sydion Financial, LLC 33400 8TH AVE. S. STE 205 FEDERAL WAY, WA 98003 |
* | $ 11,000,000 | 1 | $ 107,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 353,000 |
| Hapo Community Credit Union 7601 W CLEARWATER AVE KENNEWICK, WA 99336 |
* | $ 627,610,000 | 1 | $ 135,000 |
| Inspirus Credit Union 5200 SOUTHCENTER BLVD SEATTLE, WA 98188 |
* | $ 646,425,000 | 1 | $ 55,000 |
| Meriwest Mortgage Company 5615 CHESBRO AVE SUITE 110 SAN JOSE, CA 95123 |
* | $ 912,428,000 | 1 | $ 135,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Harborstone Credit Union 9611 GRAVELLY LAKE DR SW LAKEWOOD, WA 98499 |
* | $ 644,980,000 | 1 | $ 48,000 |
| Red Canoe Credit Union 1418 15TH AVE LONGVIEW, WA 98632 |
* | $ 452,068,000 | 1 | $ 145,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 75,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 135,687,000 | 1 | $ 165,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 185,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 166,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 21,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 60,000 |
| Canopy Federal Credit Union 601 W MALLON SPOKANE, WA 99201 |
* | $ 103,932,000 | 1 | $ 85,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 93,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 192,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Evergreen Moneysource Mortgage 915 118TH AVENUE SE, SUITE 300 BELLEVUE, WA 98005 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Network Mortgage Services, Inc 19101 36TH AVE W SUITE 103 LYNNWOOD, WA 98036 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 102,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Penrith Home Loans MODESTO, CA 95350 |
* | $ 8,526,000 | 1 | $ 98,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 363,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 1 | $ 189,000 |
| The Legacy Group 11225 SE 6TH STREET SUITE 110 BELLEVUE, WA 98004 |
* | $ 12,000,000 | 1 | $ 107,000 |
The tables below break down 2009 mortgage applications in Lincoln County, WA 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, WA 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 | 556 | $80,989,000 | $145,000 | $417,000 | $59,000 | $477,000 |
| Home Purchase | 186 | $25,924,000 | $139,000 | $550,000 | $63,000 | $570,000 |
| Home Improvement | 31 | $2,301,000 | $74,000 | $265,000 | $77,000 | $464,000 |
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 | 592 | $83,703,000 | $141,000 | $550,000 | $65,000 | $570,000 |
| Not Provided | 100 | $13,980,000 | $139,000 | $417,000 | $58,000 | $144,000 |
| Not applicable | 63 | $8,979,000 | $142,000 | $295,000 | $23,000 | $477,000 |
| American Indian or Alaskan Native | 8 | $1,184,000 | $148,000 | $271,000 | $56,000 | $124,000 |
| Hispanic | 5 | $591,000 | $118,000 | $159,000 | $64,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $619,000 | $154,000 | $261,000 | $80,000 | $116,000 |
| Black or African American | 1 | $158,000 | $158,000 | $158,000 | $0 | $0 |
| 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) | 493 | $68,521,000 | $138,000 | $550,000 | $72,000 | $570,000 |
| FHA-insured (Federal Housing Administration) | 196 | $27,520,000 | $140,000 | $276,000 | $40,000 | $164,000 |
| VA-guaranteed (Veterans Administration) | 74 | $11,970,000 | $161,000 | $350,000 | $42,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,203,000 | $120,000 | $189,000 | $31,000 | $57,000 |
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 | 337 | $48,114,000 | $142,000 | $410,000 | $66,000 | $570,000 |
| Loan Purchased By The Institution | 148 | $21,744,000 | $146,000 | $363,000 | $41,000 | $477,000 |
| Application Denied By Financial Institution | 145 | $18,780,000 | $129,000 | $417,000 | $66,000 | $464,000 |
| Application Withdrawn By Applicant | 88 | $12,807,000 | $145,000 | $550,000 | $62,000 | $480,000 |
| Application Approved But Not Accepted | 38 | $5,167,000 | $135,000 | $353,000 | $65,000 | $213,000 |
| File Closed For Incompleteness | 17 | $2,602,000 | $153,000 | $353,000 | $73,000 | $170,000 |
| 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 | 33 | $2,595,000 | $78,000 | $240,000 | $76,000 | $464,000 |
| Collateral | 28 | $4,337,000 | $154,000 | $417,000 | $69,000 | $180,000 |
| Debt-To-Income Ratio | 17 | $3,001,000 | $176,000 | $318,000 | $46,000 | $157,000 |
| Other | 11 | $1,144,000 | $104,000 | $180,000 | $61,000 | $157,000 |
| Credit Application Incomplete | 5 | $602,000 | $120,000 | $170,000 | $63,000 | $99,000 |
| Unverifiable Information | 1 | $112,000 | $112,000 | $112,000 | $43,000 | $43,000 |
| Employment History | 1 | $111,000 | $111,000 | $111,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $173,000 | $173,000 | $173,000 | $80,000 | $80,000 |
| 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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