Lincoln County, WY Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,859 mortgage applications in Lincoln County, WY totaling $479.0 million, up 60% from 2019. The average application was for $257,000, and applicants reported an average income of $113,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was Glacier Bank, with 174 applications, followed by Guild Mortgage Company and Advantage Plus FCU.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,859
Total Mortgage Loan Application Amount $478,975,000
Average Mortgage Loan Application Amount $257,000
Highest Mortgage Loan Application Amount $3,225,000
Average Applicant Income $113,000
Highest Applicant Income $3,507,000

Mortgage Company List for Lending in Lincoln County, WY for 2020

* 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
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 174 $ 38,600,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 131 $ 35,495,000
Advantage Plus FCU
2133 E CENTER ST.
POCATELLO, ID 83201
* $ 164,028,000 92 $ 19,860,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 92 $ 21,440,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 87 $ 24,195,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 86 $ 23,550,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 64 $ 17,630,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 57 $ 14,035,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 49 $ 13,255,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 44 $ 10,230,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 36 $ 8,580,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 33 $ 4,455,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 9,348,808,000 33 $ 7,475,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 30 $ 7,360,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 7,830,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 25 $ 8,135,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 24 $ 5,760,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 69,171,552,000 24 $ 7,620,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 22 $ 6,570,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 6,350,000
Meridian Trust Federal Credit Union
PO BOX 548
CHEYENNE, WY 82003
* $ 425,932,000 18 $ 3,600,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 18 $ 4,690,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 17 $ 3,785,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 3,065,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 17 $ 3,935,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 116,263,634,000 15 $ 5,835,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 15 $ 4,545,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 13 $ 3,375,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 2,260,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 12 $ 7,520,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 12 $ 2,780,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 3,155,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 11 $ 2,895,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 11 $ 2,545,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 11 $ 585,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 10 $ 2,270,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 3,150,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 10 $ 3,290,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 9 $ 2,505,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 9 $ 2,995,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 1,785,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 9 $ 2,215,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 7 $ 1,465,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 7 $ 2,155,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 7 $ 2,125,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 7 $ 1,875,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 2,315,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 5 $ 745,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 1,195,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 5 $ 2,865,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 605,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 1,180,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 4 $ 1,680,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 4 $ 2,150,000
Lookout Credit Union
707 S 9TH AVE
POCATELLO, ID 83201
* $ 239,401,000 4 $ 890,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 900,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 4 $ 990,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 930,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 4 $ 700,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ -1,000 4 $ 970,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 3 $ 1,525,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ -1,000 3 $ 655,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ -1,000 3 $ 555,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 3 $ 1,055,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 155,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 105,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 3 $ 455,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 725,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 1,055,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 3 $ 655,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 3 $ 1,525,000
Jonah Bank of Wyoming
777 WEST 1ST STREET
CASPER, WY 82601
* $ 342,417,000 3 $ 605,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 555,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 5,070,732,000 3 $ 685,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 795,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 375,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 1,285,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 2 $ 500,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 790,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 520,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 1,423,151,000 2 $ 880,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,793,987,000 2 $ 550,000
Altabank
33 E MAIN
AMERICAN FORK, UT 84003
* $ 2,406,298,000 2 $ 710,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 450,000
Partners United Financial, LLC
250 EAST WILSON BRIDGE ROAD, SUITE 110
WILMINGTON, DE 43085
* $ -1,000 2 $ 570,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 520,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 737,952,000 2 $ 340,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 2 $ 560,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 726,237,000 2 $ 200,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 370,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 2 $ 450,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 2 $ 750,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 879,238,000 2 $ 880,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 3,575,301,000 1 $ 385,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 315,000
Canyon View Credit Union
PO BOX 58025
SALT LAKE CITY, UT 84158
* $ 1,174,154,000 1 $ 25,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 397,795,000 1 $ 175,000
Five Points Bank
PO BOX 1507
GRAND ISLAND, NE 68802
* $ 1,284,481,000 1 $ 3,185,000
Farmers-Merchants Bank of Illinois
P.O. BOX 217
JOY, IL 61260
* $ 204,066,000 1 $ 425,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 235,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 285,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 1 $ 995,000
Graystone Funding Company, LLC
1966 EAST 6200 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 1 $ 155,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 115,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 225,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 5,893,793,000 1 $ 435,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 515,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 365,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 1 $ 285,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 1 $ 105,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 255,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 451,290,000 1 $ 245,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 305,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 26,357,635,000 1 $ 245,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 55,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 275,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 225,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 445,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 1 $ 245,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 791,565,000 1 $ 255,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ 1,283,566,000 1 $ 165,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 45,268,906,000 1 $ 345,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 205,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 495,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ 1,407,956,000 1 $ 795,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 905,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 475,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 295,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 125,000
Bank of Yazoo
P.O. BOX 600
YAZOO CITY, MS 39194
* $ 239,217,000 1 $ 105,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 255,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 83,036,000,000 1 $ 745,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,921,403,000 1 $ 215,000
Bank of Idaho
399 N CAPITAL
IDAHO FALLS, ID 83403
* $ 405,330,000 1 $ 255,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 465,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 505,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 395,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 175,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 145,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 1 $ 125,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 285,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 1 $ 195,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 279,086,000 1 $ 245,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 375,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 235,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 143,390,269,000 1 $ 755,000

The tables below break down 2020 mortgage applications in Lincoln County, WY 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, WY in 2020

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 739 $184,325,000 $249,000 $1,845,000 $118,000 $3,507,000
Home Purchase 632 $188,040,000 $297,000 $3,225,000 $116,000 $1,261,000
Cash-out Refinancing 370 $92,930,000 $251,000 $1,205,000 $103,000 $1,439,000
Home Improvement 52 $4,210,000 $80,000 $515,000 $103,000 $358,000
Other Purpose 51 $7,205,000 $141,000 $755,000 $98,000 $283,000
Not Applicable 15 $2,265,000 $151,000 $255,000 $0 $0

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 1,424 $364,110,000 $255,000 $3,225,000 $113,000 $3,507,000
Not Provided 242 $60,740,000 $250,000 $905,000 $114,000 $780,000
Not applicable 124 $36,380,000 $293,000 $3,185,000 $112,000 $300,000
Hispanic 43 $10,235,000 $238,000 $845,000 $88,000 $288,000
American Indian or Alaskan Native 12 $3,400,000 $283,000 $485,000 $139,000 $434,000
Asian 10 $2,980,000 $298,000 $415,000 $128,000 $235,000
Black or African American 3 $815,000 $271,000 $415,000 $34,000 $34,000
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) 1,464 $376,320,000 $257,000 $3,225,000 $119,000 $3,507,000
VA-guaranteed (Veterans Administration) 185 $56,185,000 $303,000 $885,000 $88,000 $209,000
FHA-insured (Federal Housing Administration) 158 $34,240,000 $216,000 $335,000 $63,000 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $12,230,000 $235,000 $415,000 $64,000 $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 1,132 $293,960,000 $259,000 $3,225,000 $118,000 $3,507,000
Application Withdrawn By Applicant 231 $57,085,000 $247,000 $1,225,000 $107,000 $914,000
Application Denied By Financial Institution 214 $51,580,000 $241,000 $1,885,000 $93,000 $376,000
Loan Purchased By The Institution 143 $37,505,000 $262,000 $885,000 $101,000 $300,000
File Closed For Incompleteness 88 $22,810,000 $259,000 $905,000 $104,000 $443,000
Application Approved But Not Accepted 47 $14,865,000 $316,000 $1,845,000 $147,000 $969,000
Preapproval Approved but not Accepted 3 $895,000 $298,000 $375,000 $121,000 $241,000
Preapproval Denied by Financial Institution 1 $275,000 $275,000 $275,000 $124,000 $124,000

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 1,640 $423,240,000 $258,000 $3,225,000 $115,000 $3,507,000
Debt-To-Income Ratio 59 $18,325,000 $310,000 $3,185,000 $78,000 $313,000
Credit Application Incomplete 43 $10,605,000 $246,000 $515,000 $117,000 $356,000
Credit History 37 $8,625,000 $233,000 $755,000 $90,000 $376,000
Collateral 37 $7,125,000 $192,000 $465,000 $94,000 $358,000
Other 20 $5,260,000 $263,000 $635,000 $100,000 $219,000
Unverifiable Information 14 $3,420,000 $244,000 $515,000 $101,000 $235,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,085,000 $217,000 $335,000 $64,000 $81,000
Employment History 3 $875,000 $291,000 $545,000 $100,000 $127,000
Mortgage Insurance Denied 1 $415,000 $415,000 $415,000 $235,000 $235,000

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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