Lincoln County, WA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 530 mortgage applications in Lincoln County, WA totaling $76.9 million, up 22% from 2015. The average application was for $145,000, and applicants reported an average income of $70,000. 46% of applications resulted in an originated loan and 23% were denied. The most active lender was US Bank, N.A., with 80 applications, followed by loanDepot.com LLC 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 | 530 |
| Total Mortgage Loan Application Amount | $76,877,000 |
| Average Mortgage Loan Application Amount | $145,000 |
| Highest Mortgage Loan Application Amount | $640,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $908,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 80 | $ 9,113,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 30 | $ 4,867,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 27 | $ 4,342,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 4,873,033,000 | 19 | $ 3,218,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 16 | $ 2,107,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 14,694,047,000 | 14 | $ 1,964,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 13 | $ 1,613,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 12 | $ 1,916,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 9,524,019,000 | 12 | $ 2,238,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 23,375,286,000 | 11 | $ 1,227,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ 10,000,000 | 10 | $ 1,644,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 819,694,000 | 9 | $ 1,615,000 |
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ 2,217,961,000 | 8 | $ 515,000 |
| Global 1500 W 4TH AVE SPOKANE, WA 99201 |
* | $ 394,113,000 | 7 | $ 1,089,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 7 | $ 839,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 93,038,275,000 | 7 | $ 762,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,585,886,000 | 7 | $ 485,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 5,301,172,000 | 6 | $ 654,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 6 | $ 1,094,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 6 | $ 1,566,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,067,390,000 | 5 | $ 779,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 5 | $ 946,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 5 | $ 722,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 5 | $ 623,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 5 | $ 1,005,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 5 | $ 845,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 892,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 5 | $ 789,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 14,474,228,000 | 5 | $ 554,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 5 | $ 583,000 |
| Inspirus Credit Union 5200 SOUTHCENTER BLVD SEATTLE, WA 98188 |
* | $ 1,102,657,000 | 4 | $ 158,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 431,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 4 | $ 509,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 567,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 630,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 3 | $ 548,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 3 | $ 499,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 3 | $ 493,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 3 | $ 456,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 2,399,115,000 | 3 | $ 409,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 408,000 |
| Inland Northwest Bank 421 W RIVERSIDE AVE, STE 113 SPOKANE, WA 99201 |
* | $ 610,047,000 | 3 | $ 394,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 733,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 508,000 |
| Opes Advisors, Inc. 19330 STEVENS CREEK BLVD CUPERTINO, CA 95014 |
* | $ 2,541,000 | 3 | $ 345,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 575,000 |
| Canopy Federal Credit Union 601 W MALLON SPOKANE, WA 99201 |
* | $ 142,397,000 | 3 | $ 413,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 2 | $ 687,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 2 | $ 434,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 2 | $ 299,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 263,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 435,000 |
| Wheatland Bank 222 N WALL SUITE 100 SPOKANE, WA 99201 |
* | $ 354,012,000 | 2 | $ 310,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 312,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 677,524,000 | 2 | $ 345,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 290,000 |
| Onpoint Community Credit Union 2701 NW VAUGHN ST STE 800 PORTLAND, OR 97210 |
* | $ 3,906,087,000 | 2 | $ 576,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 508,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 6,656,748,000 | 2 | $ 320,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 200,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 221,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 320,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 217,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 343,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ 12,210,000 | 2 | $ 132,000 |
| Cashmere Valley Bank PO BOX G CASHMERE, WA 98815 |
* | $ 1,381,663,000 | 2 | $ 305,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 2 | $ 164,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 232,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 288,000 |
| Wallick and Volk, Inc. 222 E. 18TH ST. CHEYENNE, WY 82001 |
* | $ 10,000,000 | 2 | $ 127,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 2 | $ 741,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ 26,494,000 | 2 | $ 327,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 1 | $ 112,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 1 | $ 85,000 |
| Timberland Bank 624 SIMPSON AVE HOQUIAM, WA 98550 |
* | $ 836,439,000 | 1 | $ 195,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 797,442,000 | 1 | $ 60,000 |
| MUFG Union Bank, National Association 9865 TOWNE CENTRE DRIVE, 3RD FLOOR SAN DIEGO, CA 92121 |
* | $ 115,383,696,000 | 1 | $ 243,000 |
| Summit Mortgage Corporation 4700 SW MACADAM AVE PORTLAND, OR 97239 |
* | $ 1,000,000,000 | 1 | $ 400,000 |
| Directors Mortgage, Inc 4550 SW KRUSE WAY, SUITE 275 LAKE OSWEGO, OR 97035 |
* | $ 10,000,000 | 1 | $ 240,000 |
| State Bank Northwest 12902 E SPRAGUE AVENUE SPOKANE VALLEY, WA 99216 |
* | $ 146,781,000 | 1 | $ 157,000 |
| Cheney Federal Credit Union 520 FIRST STREET CHENEY, WA 99004 |
* | $ 87,985,000 | 1 | $ 12,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 60,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ 40,000,000 | 1 | $ 117,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 476,220,000 | 1 | $ 95,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 154,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 400,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 5,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 206,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ 31,000,000 | 1 | $ 85,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 176,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 190,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ 10,000,000 | 1 | $ 298,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 567,648,000 | 1 | $ 82,000 |
| Bank of the Pacific 300 EAST MARKET / PO BOX 1826 ABERDEEN, WA 98520 |
* | $ 823,502,000 | 1 | $ 301,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 729,014,000 | 1 | $ 198,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 1 | $ 243,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 292,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 107,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 90,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 220,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 54,000 |
The tables below break down 2016 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 2016
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 | 250 | $37,799,000 | $151,000 | $592,000 | $64,000 | $654,000 |
| Home Purchase | 225 | $35,327,000 | $157,000 | $640,000 | $77,000 | $908,000 |
| Home Improvement | 55 | $3,751,000 | $68,000 | $317,000 | $68,000 | $192,000 |
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 | 399 | $57,145,000 | $143,000 | $640,000 | $72,000 | $908,000 |
| Not Provided | 65 | $9,778,000 | $150,000 | $375,000 | $94,000 | $563,000 |
| Not applicable | 42 | $6,719,000 | $159,000 | $360,000 | $18,000 | $139,000 |
| American Indian or Alaskan Native | 12 | $1,724,000 | $143,000 | $341,000 | $74,000 | $189,000 |
| Hispanic | 8 | $1,123,000 | $140,000 | $198,000 | $51,000 | $118,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $172,000 | $86,000 | $87,000 | $70,000 | $104,000 |
| Asian | 2 | $216,000 | $108,000 | $145,000 | $45,000 | $56,000 |
| Black or African American | 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) | 353 | $50,309,000 | $142,000 | $640,000 | $82,000 | $908,000 |
| VA-guaranteed (Veterans Administration) | 97 | $16,243,000 | $167,000 | $415,000 | $48,000 | $196,000 |
| FHA-insured (Federal Housing Administration) | 66 | $8,168,000 | $123,000 | $254,000 | $39,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $2,157,000 | $154,000 | $298,000 | $42,000 | $79,000 |
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 | 246 | $37,104,000 | $150,000 | $592,000 | $83,000 | $908,000 |
| Application Denied By Financial Institution | 123 | $14,869,000 | $120,000 | $415,000 | $55,000 | $199,000 |
| Application Withdrawn By Applicant | 65 | $10,149,000 | $156,000 | $640,000 | $79,000 | $400,000 |
| Loan Purchased By The Institution | 51 | $8,463,000 | $165,000 | $417,000 | $32,000 | $333,000 |
| File Closed For Incompleteness | 25 | $3,160,000 | $126,000 | $292,000 | $52,000 | $125,000 |
| Application Approved But Not Accepted | 20 | $3,132,000 | $156,000 | $590,000 | $89,000 | $654,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 21 | $2,510,000 | $119,000 | $415,000 | $54,000 | $131,000 |
| Collateral | 20 | $2,390,000 | $119,000 | $298,000 | $48,000 | $90,000 |
| Credit History | 20 | $1,967,000 | $98,000 | $310,000 | $58,000 | $114,000 |
| Other | 9 | $1,598,000 | $177,000 | $245,000 | $68,000 | $181,000 |
| Unverifiable Information | 5 | $709,000 | $141,000 | $225,000 | $37,000 | $67,000 |
| Credit Application Incomplete | 3 | $480,000 | $160,000 | $212,000 | $116,000 | $180,000 |
| Employment History | 2 | $153,000 | $76,000 | $123,000 | $27,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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