Lowndes County, MS Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 2,200 mortgage applications in Lowndes County, MS totaling $397.9 million, up 12% from 2024. The average application was for $180,000, and applicants reported an average income of $96,000. 48% of applications resulted in an originated loan and 18% were denied. The most active lender was Renasant Bank, with 168 applications, followed by Cadence Bank and 21st Mortgage.
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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 | 2,200 |
| Total Mortgage Loan Application Amount | $397,880,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $3,565,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $1,433,000 |
* 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 |
|---|---|---|---|---|
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 168 | $ 29,220,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 147 | $ 24,065,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 129 | $ 13,905,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ n/a | 117 | $ 16,835,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 115 | $ 9,575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 112 | $ 28,940,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 105 | $ 23,645,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ n/a | 100 | $ 14,480,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 58 | $ 14,910,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 52 | $ 11,940,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 50 | $ 7,630,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 45 | $ 10,775,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 43 | $ 8,595,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 38 | $ 8,680,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 36 | $ 4,340,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 36 | $ 8,400,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 35 | $ 8,285,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 32 | $ 5,370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 26 | $ 3,780,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 24 | $ 3,000,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ n/a | 23 | $ 4,515,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 23 | $ 2,665,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 23 | $ 2,395,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 23 | $ 6,295,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 22 | $ 4,600,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 21 | $ 3,385,000 |
| Bank of Commerce 310 HOWARD STREET GREENWOOD, MS 38930 |
* | $ n/a | 21 | $ 2,415,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 17 | $ 4,145,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 17 | $ 3,385,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 16 | $ 1,790,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ n/a | 15 | $ 2,805,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 15 | $ 775,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 15 | $ 3,075,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 14 | $ 1,270,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 14 | $ 790,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 14 | $ 3,270,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 14 | $ 4,200,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 13 | $ 3,255,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 13 | $ 3,145,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 13 | $ 1,795,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 11 | $ 1,635,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 11 | $ 2,825,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 11 | $ 2,775,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 11 | $ 1,335,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 10 | $ 1,400,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 9 | $ 1,465,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 8 | $ 2,260,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ n/a | 8 | $ 1,100,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 8 | $ 1,390,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 8 | $ 490,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ n/a | 8 | $ 1,010,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 7 | $ 2,355,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,035,000 |
| Cv3 Financial Services, LLC 2101 E EL SEGUNDO BLVD SUITE #203 EL SEGUNDO, CA 90245 |
* | $ n/a | 6 | $ 3,980,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 6 | $ 1,000,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 6 | $ 1,350,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ n/a | 6 | $ 1,240,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 6 | $ 1,370,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 6 | $ 1,870,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 5 | $ 825,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 5 | $ 875,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 5 | $ 475,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 805,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 5 | $ 1,555,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 4 | $ 570,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 4 | $ 1,060,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ n/a | 4 | $ 340,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 4 | $ 550,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 4 | $ 370,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 4 | $ 1,610,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ n/a | 4 | $ 280,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ n/a | 3 | $ 55,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 3 | $ 855,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 275,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ n/a | 3 | $ 125,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 295,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 555,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 3 | $ 395,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 1,025,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 3 | $ 555,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 665,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ n/a | 3 | $ 575,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 685,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 2 | $ 220,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 220,000 |
| Easy Street Capital LLC 1201 E CESAR CHAVEZ ST SUITE 1 AUSTIN, TX 78702 |
* | $ n/a | 2 | $ 290,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 390,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 520,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 550,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 2 | $ 360,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 740,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 630,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ n/a | 2 | $ 470,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 280,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 440,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ n/a | 2 | $ 500,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 2 | $ 430,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ n/a | 1 | $ 145,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ n/a | 1 | $ 355,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 45,000 |
| Merchants & Marine Bank P. O. BOX 729 PASCAGOULA, MS 39567 |
* | $ n/a | 1 | $ 495,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ n/a | 1 | $ 225,000 |
| First South Farm Credit, Aca 260 TRACE COLONY PARK DR RIDGELAND, MS 39157 |
* | $ n/a | 1 | $ 265,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ n/a | 1 | $ 485,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ n/a | 1 | $ 55,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 185,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ n/a | 1 | $ 175,000 |
| Loanpeople, LLC 3420 EXECUTIVE CENTER DR #G100 AUSTIN, TX 78731 |
* | $ n/a | 1 | $ 235,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ n/a | 1 | $ 55,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 275,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 245,000 |
| The Citizens Bank 521 MAIN ST PHILADELPHIA, MS 39350 |
* | $ n/a | 1 | $ 845,000 |
| Riverhills Bank 1400 HIGHWAY 61 NORTH VICKSBURG, MS 39183 |
* | $ n/a | 1 | $ 365,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 95,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 115,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ n/a | 1 | $ 105,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ n/a | 1 | $ 115,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ n/a | 1 | $ 335,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 275,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 85,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 525,000 |
| Story Bank dba Story Financial Partners 1300 MEADOWBROOK ROAD JACKSON, MS 39211 |
* | $ n/a | 1 | $ 295,000 |
| Churchill Funding I LLC 3220 WILKINSON BLVD UNIT A4 CHARLOTTE, NC 28203 |
* | $ n/a | 1 | $ 175,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 205,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 3,565,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 1 | $ 55,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 265,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 225,000 |
| Aml Funding LLC dba Absolute Mortgage & Lending 4230 LYNDON B JOHNSON FWY #626 DALLAS, TX 75244 |
* | $ n/a | 1 | $ 185,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 245,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ n/a | 1 | $ 75,000 |
| United Trust Bank 12330 S. HARLEM AVENUE PALOS HEIGHTS, IL 60463 |
* | $ n/a | 1 | $ 125,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 275,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 295,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 1 | $ 265,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 275,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 405,000 |
| First Federal Savings and Loan Association of Pascagoula - Moss Point 903 JACKSON AVENUE PASCAGOULA, MS 39567 |
* | $ n/a | 1 | $ 275,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 105,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 55,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 55,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 125,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 345,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ n/a | 1 | $ 465,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ n/a | 1 | $ 255,000 |
The tables below break down 2025 mortgage applications in Lowndes County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Lowndes County, MS in 2025
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 | 1,178 | $243,330,000 | $206,000 | $3,565,000 | $92,000 | $800,000 |
| Refinancing | 360 | $73,650,000 | $204,000 | $745,000 | $118,000 | $760,000 |
| Cash-out Refinancing | 311 | $54,595,000 | $175,000 | $685,000 | $85,000 | $315,000 |
| Other Purpose | 211 | $15,945,000 | $75,000 | $505,000 | $108,000 | $1,433,000 |
| Home Improvement | 135 | $9,925,000 | $73,000 | $525,000 | $94,000 | $658,000 |
| Not Applicable | 5 | $435,000 | $87,000 | $225,000 | $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 | 918 | $170,150,000 | $185,000 | $755,000 | $111,000 | $1,433,000 |
| Black or African American | 640 | $90,140,000 | $140,000 | $625,000 | $73,000 | $347,000 |
| Not applicable | 348 | $78,520,000 | $225,000 | $3,565,000 | $97,000 | $330,000 |
| Not Provided | 203 | $38,475,000 | $189,000 | $615,000 | $91,000 | $658,000 |
| Hispanic | 60 | $13,520,000 | $225,000 | $545,000 | $115,000 | $356,000 |
| Asian | 15 | $3,595,000 | $239,000 | $515,000 | $129,000 | $388,000 |
| American Indian or Alaskan Native | 12 | $2,270,000 | $189,000 | $385,000 | $86,000 | $147,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,210,000 | $302,000 | $425,000 | $94,000 | $104,000 |
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) | 1,201 | $162,945,000 | $135,000 | $3,565,000 | $101,000 | $1,433,000 |
| FHA-insured (Federal Housing Administration) | 451 | $90,835,000 | $201,000 | $535,000 | $76,000 | $510,000 |
| VA-guaranteed (Veterans Administration) | 426 | $121,960,000 | $286,000 | $755,000 | $107,000 | $312,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 122 | $22,140,000 | $181,000 | $375,000 | $70,000 | $174,000 |
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 | 1,063 | $197,475,000 | $185,000 | $1,855,000 | $107,000 | $1,433,000 |
| Application Denied By Financial Institution | 399 | $55,365,000 | $138,000 | $3,565,000 | $70,000 | $496,000 |
| Application Withdrawn By Applicant | 259 | $54,265,000 | $209,000 | $725,000 | $101,000 | $510,000 |
| Loan Purchased By The Institution | 241 | $54,325,000 | $225,000 | $755,000 | $95,000 | $330,000 |
| File Closed For Incompleteness | 138 | $21,280,000 | $154,000 | $515,000 | $85,000 | $324,000 |
| Application Approved But Not Accepted | 96 | $14,250,000 | $148,000 | $435,000 | $82,000 | $320,000 |
| Preapproval Approved but not Accepted | 3 | $625,000 | $208,000 | $375,000 | $176,000 | $206,000 |
| Preapproval Denied by Financial Institution | 1 | $295,000 | $295,000 | $295,000 | $108,000 | $108,000 |
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 | 1,772 | $337,530,000 | $190,000 | $1,855,000 | $103,000 | $1,433,000 |
| Credit History | 162 | $21,620,000 | $133,000 | $3,565,000 | $70,000 | $347,000 |
| Debt-To-Income Ratio | 138 | $20,530,000 | $148,000 | $845,000 | $68,000 | $294,000 |
| Credit Application Incomplete | 51 | $6,845,000 | $134,000 | $385,000 | $81,000 | $241,000 |
| Collateral | 29 | $3,215,000 | $110,000 | $465,000 | $70,000 | $178,000 |
| Other | 25 | $4,715,000 | $188,000 | $485,000 | $100,000 | $496,000 |
| Unverifiable Information | 13 | $1,645,000 | $126,000 | $285,000 | $65,000 | $139,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $910,000 | $151,000 | $295,000 | $48,000 | $87,000 |
| Employment History | 4 | $870,000 | $217,000 | $535,000 | $81,000 | $151,000 |
| 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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