Long County, GA Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,770 mortgage applications in Long County, GA totaling $433.7 million, up 17% from 2023. The average application was for $245,000, and applicants reported an average income of $95,000. 54% of applications resulted in an originated loan and 13% were denied. The most active lender was Mortgage Research Center, with 211 applications, followed by United Wholesale Mortgage and Freedom Mortgage Corporation.

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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 1,770
Total Mortgage Loan Application Amount $433,710,000
Average Mortgage Loan Application Amount $245,000
Highest Mortgage Loan Application Amount $1,695,000
Average Applicant Income $95,000
Highest Applicant Income $1,059,000

Mortgage Company List for Lending in Long County, GA for 2024

* 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
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 211 $ 60,295,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 144 $ 40,120,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 120 $ 33,990,000
Glennville Bank
P.O. BOX 278
GLENNVILLE, GA 30427
* $ n/a 103 $ 9,495,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 101 $ 26,655,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 96 $ 26,650,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 96 $ 22,750,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 74 $ 14,780,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 48 $ 6,640,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 45 $ 13,225,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 44 $ 12,690,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 43 $ 11,765,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 36 $ 8,930,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 30 $ 8,390,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 29 $ 7,995,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 19 $ 6,105,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 18 $ 3,050,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 17 $ 5,065,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 17 $ 4,705,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 15 $ 3,655,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 14 $ 3,840,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 14 $ 3,630,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 13 $ 815,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 13 $ 2,905,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 12 $ 1,950,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 12 $ 3,970,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 11 $ 2,675,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 11 $ 665,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 10 $ 3,060,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 9 $ 2,645,000
Primesouth Bank
P O BOX 189
BLACKSHEAR, GA 31516
* $ n/a 8 $ 2,330,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 8 $ 1,090,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 7 $ 1,725,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 7 $ 1,485,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 7 $ 1,175,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 7 $ 1,685,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 6 $ 1,680,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 6 $ 1,680,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 6 $ 990,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 6 $ 1,810,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 5 $ 1,005,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 215,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 5 $ 1,805,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 5 $ 1,165,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 5 $ 1,505,000
The First Bank
P.O. BOX 15549
HATTIESBURG, MS 39404
* $ n/a 4 $ 150,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ n/a 4 $ 940,000
Credence Funding Corporation
1200 TECHNOLOGY DR SUITE A
ABERDEEN, MD 21001
* $ n/a 4 $ 1,220,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 4 $ 1,160,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 890,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 1,060,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 4 $ 1,120,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 4 $ 1,070,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 4 $ 480,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 560,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 3 $ 325,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 895,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 945,000
Interstate Credit Union
705 WEST CHERRY STREET
JESUP, GA 31545
* $ n/a 3 $ 285,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 3 $ 855,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 3 $ 885,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 3 $ 905,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 3 $ 885,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 3 $ 695,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 475,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 3 $ 855,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 575,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 3 $ 795,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 3 $ 755,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ n/a 3 $ 445,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 3 $ 605,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 3 $ 415,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 330,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 2 $ 490,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 640,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 2 $ 490,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 2 $ 530,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 220,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 500,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ n/a 2 $ 480,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 2 $ 130,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 150,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 470,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 470,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 2 $ 670,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ n/a 2 $ 550,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 590,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ n/a 2 $ 630,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 130,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 2 $ 560,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 730,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 2 $ 590,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 2 $ 590,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 460,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 460,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ n/a 2 $ 300,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 2 $ 330,000
South Georgia Bank
401 S. VETERANS BLVD.
GLENNVILLE, GA 30427
* $ n/a 2 $ 200,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 2 $ 600,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 2 $ 430,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ n/a 1 $ 265,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 345,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 1 $ 285,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 55,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 85,000
Orchard Mortgage, LLC
8900 BUSINESS PARK DR
AUSTIN, TX 78705
* $ n/a 1 $ 305,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 155,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 165,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31095
* $ n/a 1 $ 35,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ n/a 1 $ 275,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 445,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 445,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 295,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ n/a 1 $ 265,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ n/a 1 $ 255,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 205,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 225,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 35,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 1 $ 205,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 275,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 315,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 225,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ n/a 1 $ 295,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 25,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 1 $ 265,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 1,695,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 225,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 265,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 205,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 1 $ 155,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 235,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 175,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 125,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ n/a 1 $ 265,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 1 $ 65,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 255,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ n/a 1 $ 105,000
First Southern Bank
930 MEMORIAL DR
WAYCROSS, GA 31501
* $ n/a 1 $ 175,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 135,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 1 $ 245,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ n/a 1 $ 85,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 285,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 245,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 295,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 245,000
Nation One Mortgage Corporatio
701 ROUTE 73 N SUITE 2
MARLTON, NJ 08053
* $ n/a 1 $ 255,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 335,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ n/a 1 $ 365,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 145,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ n/a 1 $ 265,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 245,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 275,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 325,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 1 $ 345,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 325,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 1 $ 555,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 35,000

The tables below break down 2024 mortgage applications in Long County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Long County, GA in 2024

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 1,144 $297,030,000 $259,000 $645,000 $94,000 $531,000
Refinancing 293 $76,955,000 $262,000 $1,695,000 $95,000 $574,000
Cash-out Refinancing 215 $50,375,000 $234,000 $535,000 $97,000 $329,000
Other Purpose 70 $6,480,000 $92,000 $555,000 $95,000 $316,000
Home Improvement 46 $2,770,000 $60,000 $255,000 $119,000 $1,059,000
Not Applicable 2 $100,000 $50,000 $75,000 $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 618 $137,850,000 $223,000 $645,000 $95,000 $574,000
Black or African American 389 $98,955,000 $254,000 $575,000 $95,000 $329,000
Not Provided 278 $72,350,000 $260,000 $485,000 $98,000 $1,059,000
Not applicable 255 $68,275,000 $267,000 $1,695,000 $92,000 $92,000
Hispanic 179 $41,655,000 $232,000 $485,000 $92,000 $287,000
Asian 24 $6,620,000 $275,000 $475,000 $120,000 $346,000
American Indian or Alaskan Native 20 $6,010,000 $300,000 $425,000 $92,000 $150,000
Native Hawaiian or Other Pacific Islander 7 $1,995,000 $285,000 $405,000 $97,000 $162,000

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
VA-guaranteed (Veterans Administration) 1,109 $319,185,000 $287,000 $645,000 $96,000 $273,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 463 $64,495,000 $139,000 $1,695,000 $97,000 $1,059,000
FHA-insured (Federal Housing Administration) 192 $48,330,000 $251,000 $465,000 $87,000 $183,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $1,700,000 $283,000 $305,000 $98,000 $104,000

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 953 $242,125,000 $254,000 $1,695,000 $99,000 $574,000
Application Denied By Financial Institution 238 $43,770,000 $183,000 $565,000 $84,000 $1,059,000
Application Withdrawn By Applicant 226 $56,010,000 $247,000 $565,000 $97,000 $329,000
Loan Purchased By The Institution 219 $61,715,000 $281,000 $645,000 $93,000 $111,000
File Closed For Incompleteness 93 $20,105,000 $216,000 $575,000 $84,000 $320,000
Application Approved But Not Accepted 40 $9,640,000 $241,000 $425,000 $98,000 $178,000
Preapproval Approved but not Accepted 1 $345,000 $345,000 $345,000 $100,000 $100,000
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
Not applicable 1,430 $379,780,000 $265,000 $1,695,000 $96,000 $346,000
Debt-To-Income Ratio 160 $20,200,000 $126,000 $555,000 $99,000 $1,059,000
Credit History 66 $11,560,000 $175,000 $485,000 $86,000 $240,000
Credit Application Incomplete 36 $7,230,000 $200,000 $565,000 $96,000 $237,000
Collateral 29 $5,505,000 $189,000 $485,000 $96,000 $176,000
Other 25 $4,785,000 $191,000 $475,000 $81,000 $201,000
Unverifiable Information 12 $2,210,000 $184,000 $325,000 $68,000 $176,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,300,000 $162,000 $355,000 $79,000 $113,000
Employment History 4 $1,140,000 $285,000 $375,000 $55,000 $87,000
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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