Los Alamos County, NM Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,118 mortgage applications in Los Alamos County, NM totaling $317.9 million, up 22% from 2018. The average application was for $284,000, and applicants reported an average income of $132,000. 62% of applications resulted in an originated loan and 6% were denied. The most active lender was Del Norte Credit Union, with 107 applications, followed by Gateway First Bank and Wells Fargo Bank NA.

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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 1,118
Total Mortgage Loan Application Amount $317,890,000
Average Mortgage Loan Application Amount $284,000
Highest Mortgage Loan Application Amount $4,455,000
Average Applicant Income $132,000
Highest Applicant Income $1,188,000

Mortgage Company List for Lending in Los Alamos County, NM for 2019

* 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
Del Norte Credit Union
PO BOX 1180
LOS ALAMOS, NM 87544
* $ 636,497,000 107 $ 25,375,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 90 $ 27,260,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 69 $ 19,545,000
Enterprise Bank & Trust
150 N. MERAMEC AVE.
CLAYTON, MO 63105
* $ 5,625,398,000 56 $ 16,700,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 3,855,606,000 52 $ 16,310,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 45 $ 15,815,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 36 $ 10,280,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 30 $ 9,490,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 28 $ 8,680,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 26 $ 6,970,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 20 $ 5,660,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 17 $ 4,305,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 4,955,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 16 $ 5,390,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 15 $ 3,935,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 15 $ 4,105,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 4,850,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 11 $ 3,235,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 11 $ 1,765,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 9 $ 3,045,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 3,385,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 9 $ 2,525,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 1,380,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 5,394,695,000 8 $ 1,520,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ 2,268,470,000 8 $ 1,610,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 8 $ 590,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 2,230,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 7 $ 2,815,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 7 $ 865,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 6 $ 330,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 6 $ 1,810,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 6 $ 420,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 6 $ 1,830,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,250,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 1,930,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 5 $ 1,715,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 5 $ 1,425,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,269,890,000 5 $ 935,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 1,555,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 5 $ 1,925,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 1,315,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,425,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 5 $ 1,415,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 4 $ 540,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 1,190,000
State Employees Credit Union
813 ST. MICHAELS DR.
SANTA FE, NM 87505
* $ 569,599,000 4 $ 1,250,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 4 $ 970,000
Legacy Mortgage LLC
6725 ACADEMY ROAD NE
ALBUQUERQUE, NM 87109
* $ -1,000 4 $ 1,040,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 4 $ 1,290,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 4 $ 1,250,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 4 $ 1,330,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 4 $ 760,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 1,040,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 1,040,000
Sre Mortgage Alliance Inc.
2245 CAMPUS DRIVE
EL SEGUNDO, CA 90245
* $ -1,000 3 $ 1,185,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 87,268,647,000 3 $ 915,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 3 $ 1,015,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 8,212,199,000 3 $ 315,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 675,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 12,915,178,000 3 $ 745,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 1,175,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 295,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 3 $ 1,135,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 2 $ 760,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 350,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 2 $ 350,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 2 $ 520,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 2 $ 410,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 730,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 2 $ 690,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 2 $ 520,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 720,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ -1,000 2 $ 490,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 2 $ 810,000
New Mexico Bank & Trust
320 GOLD SW STE 100
ALBUQUERQUE, NM 87102
* $ 1,492,555,000 2 $ 4,910,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 8,400,747,000 2 $ 210,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 240,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 600,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 460,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 2 $ 770,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 580,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ -1,000 2 $ 710,000
Ally Bank

CHARLOTTE, NC 28202
* $ 159,291,000,000 2 $ 770,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 750,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 285,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 325,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 275,000
Kirtland Federal Credit Union
6440 GIBSON BLVD SE
ALBUQUERQUE, NM 87108
* $ 789,505,000 1 $ 195,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ -1,000 1 $ 145,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 355,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 685,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 364,059,000 1 $ 395,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 315,000
Bank of Idaho
399 N CAPITAL
IDAHO FALLS, ID 83403
* $ 334,273,000 1 $ 225,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 15,430,682,000 1 $ 125,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 275,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 3,335,459,000 1 $ 245,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 664,284,000 1 $ 225,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 375,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 275,000
Bmi Federal Credit Union
6165 EMERALD PARKWAY
DUBLIN, OH 43016
* $ 496,747,000 1 $ 525,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 155,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 375,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 255,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 738,388,000 1 $ 65,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 1 $ 125,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,385,817,000 1 $ 175,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 2,599,291,000 1 $ 315,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 1 $ 285,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 495,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 255,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 115,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 465,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 365,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 205,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 1,985,431,000 1 $ 25,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 675,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 8,514,086,000 1 $ 585,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 1 $ 305,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 105,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 295,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 325,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 465,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 645,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 1 $ 205,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 265,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 75,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 1 $ 405,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 476,111,000 1 $ 65,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 7,306,280,000 1 $ 305,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,190,394,000 1 $ 555,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 465,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 145,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 1 $ 315,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 285,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 315,000

The tables below break down 2019 mortgage applications in Los Alamos County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Los Alamos County, NM in 2019

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 557 $169,675,000 $304,000 $815,000 $134,000 $1,188,000
Refinancing 287 $85,745,000 $298,000 $4,455,000 $131,000 $350,000
Cash-out Refinancing 226 $56,490,000 $249,000 $685,000 $128,000 $380,000
Home Improvement 24 $2,430,000 $101,000 $455,000 $141,000 $288,000
Other Purpose 18 $2,290,000 $127,000 $315,000 $105,000 $303,000
Not Applicable 6 $1,260,000 $210,000 $285,000 $151,000 $173,000

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 689 $191,585,000 $278,000 $815,000 $135,000 $1,188,000
Not Provided 184 $50,100,000 $272,000 $635,000 $124,000 $357,000
Hispanic 104 $25,570,000 $245,000 $485,000 $114,000 $549,000
Not applicable 77 $31,975,000 $415,000 $4,455,000 $164,000 $350,000
Asian 46 $13,820,000 $300,000 $605,000 $133,000 $295,000
Black or African American 5 $1,505,000 $301,000 $485,000 $189,000 $249,000
American Indian or Alaskan Native 4 $820,000 $205,000 $305,000 $104,000 $131,000
Native Hawaiian or Other Pacific Islander 2 $290,000 $145,000 $165,000 $168,000 $168,000

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
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 929 $258,845,000 $278,000 $4,455,000 $134,000 $1,188,000
VA-guaranteed (Veterans Administration) 122 $42,680,000 $349,000 $685,000 $140,000 $328,000
FHA-insured (Federal Housing Administration) 60 $14,540,000 $242,000 $415,000 $94,000 $275,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,825,000 $260,000 $365,000 $71,000 $95,000

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 690 $199,880,000 $289,000 $4,455,000 $132,000 $440,000
Application Withdrawn By Applicant 166 $44,620,000 $268,000 $755,000 $131,000 $1,188,000
Loan Purchased By The Institution 122 $40,110,000 $328,000 $685,000 $147,000 $350,000
Application Denied By Financial Institution 71 $15,375,000 $216,000 $675,000 $110,000 $369,000
File Closed For Incompleteness 47 $11,365,000 $241,000 $555,000 $118,000 $241,000
Application Approved But Not Accepted 21 $6,055,000 $288,000 $595,000 $143,000 $357,000
Preapproval Approved but not Accepted 1 $485,000 $485,000 $485,000 $549,000 $549,000
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 1,035 $297,665,000 $287,000 $4,455,000 $133,000 $1,188,000
Debt-To-Income Ratio 28 $7,520,000 $268,000 $485,000 $99,000 $211,000
Credit Application Incomplete 13 $2,875,000 $221,000 $395,000 $117,000 $185,000
Credit History 11 $2,405,000 $218,000 $555,000 $98,000 $210,000
Collateral 11 $2,955,000 $268,000 $675,000 $164,000 $369,000
Unverifiable Information 8 $1,530,000 $191,000 $455,000 $96,000 $209,000
Other 7 $1,155,000 $165,000 $325,000 $154,000 $342,000
Insufficient Cash (Downpayment, Closing Cost) 3 $925,000 $308,000 $485,000 $139,000 $231,000
Employment History 2 $860,000 $430,000 $465,000 $92,000 $102,000
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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