Lowndes County, MS Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,736 mortgage applications in Lowndes County, MS totaling $288.9 million, down 22% from 2022. The average application was for $166,000, and applicants reported an average income of $90,000. 51% of applications resulted in an originated loan and 19% were denied. The most active lender was Trustmark Bank, with 144 applications, followed by Renasant Bank and Cadence Bank.
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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 | 1,736 |
| Total Mortgage Loan Application Amount | $288,940,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $4,345,000 |
| Average Applicant Income | $90,000 |
| Highest Applicant Income | $1,437,000 |
* 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 |
|---|---|---|---|---|
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 18,013,146,000 | 144 | $ 17,200,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 139 | $ 21,835,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 48,668,073,000 | 118 | $ 17,480,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 103 | $ 8,795,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 2,402,492,000 | 96 | $ 13,890,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 91 | $ 9,525,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 68 | $ 14,670,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 61 | $ 16,175,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 54 | $ 11,390,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 51 | $ 8,755,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 43 | $ 8,305,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 33 | $ 6,635,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 31 | $ 6,615,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 29 | $ 4,805,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 28 | $ 7,210,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 25 | $ 1,695,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 25 | $ 4,395,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 25 | $ 3,165,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 19 | $ 3,345,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,678,732,000 | 18 | $ 2,450,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 17 | $ 2,205,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 17 | $ 4,295,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 16 | $ 3,870,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 16 | $ 3,340,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 15 | $ 4,255,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 14 | $ 970,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 14 | $ 2,080,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 14 | $ 1,350,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 13 | $ 3,005,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 12 | $ 1,450,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 12 | $ 2,260,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 12 | $ 2,180,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 12 | $ 2,320,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 11 | $ 3,625,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 10 | $ 1,300,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 835,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 8 | $ 2,090,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 8 | $ 1,070,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,780,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 8 | $ 550,000 |
| The First Bank P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 6,463,617,000 | 8 | $ 1,040,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 4,608,467,000 | 7 | $ 715,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 6 | $ 1,300,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 6 | $ 1,350,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 6 | $ 1,220,000 |
| Guaranty Bank & Trust Company 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 1,881,339,000 | 6 | $ 5,080,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 1,170,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 6 | $ 1,610,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 6 | $ 740,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 955,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 5 | $ 475,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 854,535,000 | 5 | $ 905,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 5 | $ 1,595,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 5 | $ 1,705,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 1,315,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 4 | $ 290,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 310,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 440,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 4 | $ 450,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 4 | $ 650,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 3 | $ 705,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 485,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 605,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 3 | $ 395,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 3,765,448,000 | 3 | $ 1,105,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 635,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 3 | $ 935,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 3 | $ 125,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 7,028,113,000 | 3 | $ 705,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 3 | $ 765,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 977,048,000 | 2 | $ 700,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 240,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 1,436,326,000 | 2 | $ 370,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 474,842,000 | 2 | $ 320,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 2 | $ 580,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 397,701,000 | 2 | $ 250,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 4,186,102,000 | 2 | $ 120,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 2 | $ 340,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 2 | $ 620,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 400,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 200,262,969,000 | 2 | $ 330,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 330,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 190,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 200,000 |
| Farmers Bank & Trust 200 E MAIN ST MAGNOLIA, AR 71753 |
* | $ 2,502,223,000 | 1 | $ 445,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 335,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 175,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 145,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 139,570,000 | 1 | $ 125,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 1 | $ 65,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 105,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 115,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 708,340,000 | 1 | $ 155,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 209,664,000,000 | 1 | $ 305,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ 2,258,187,000 | 1 | $ 575,000 |
| Local Mortgage Inc. 5350 POPLAR AVE SUITE 850 COLLIERVILLE, TN 38119 |
* | $ -1,000 | 1 | $ 235,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 55,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 165,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 275,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 85,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 65,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 335,000 |
| First Southern Bank PO BOX 268 COLUMBIA, MS 39429 |
* | $ 240,011,000 | 1 | $ 145,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,481,805,000 | 1 | $ 225,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 185,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 55,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 1 | $ 125,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ -1,000 | 1 | $ 165,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,208,483,000 | 1 | $ 335,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 335,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 495,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 235,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 1 | $ 335,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 245,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 155,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 105,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 125,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 185,000 |
| Mutual Federal Credit Unon 1604 CHERRY STREET VICKSBURG, MS 39180 |
* | $ 292,779,000 | 1 | $ 165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ 270,427,000 | 1 | $ 395,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 115,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 45,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 185,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,517,837,000 | 1 | $ 215,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 55,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 85,000 |
| Ithink Financial Credit Union 1000 NW 17TH AVENUE DELRAY BEACH, FL 33445 |
* | $ 2,178,701,000 | 1 | $ 75,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 1 | $ 25,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 1 | $ 315,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 365,000 |
| Story Bank dba Story Financial Partners 1300 MEADOWBROOK ROAD JACKSON, MS 39211 |
* | $ 869,275,000 | 1 | $ 175,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 942,438,000 | 1 | $ 175,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 2,725,398,000 | 1 | $ 75,000 |
The tables below break down 2023 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 2023
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 | 1,042 | $203,350,000 | $195,000 | $795,000 | $89,000 | $1,437,000 |
| Cash-out Refinancing | 203 | $32,975,000 | $162,000 | $1,355,000 | $79,000 | $635,000 |
| Refinancing | 193 | $33,775,000 | $175,000 | $4,345,000 | $109,000 | $754,000 |
| Other Purpose | 189 | $11,305,000 | $59,000 | $355,000 | $98,000 | $611,000 |
| Home Improvement | 103 | $6,995,000 | $67,000 | $285,000 | $76,000 | $210,000 |
| Not Applicable | 6 | $540,000 | $90,000 | $285,000 | $28,000 | $36,000 |
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 | 773 | $124,085,000 | $160,000 | $755,000 | $97,000 | $754,000 |
| Black or African American | 464 | $60,020,000 | $129,000 | $535,000 | $67,000 | $218,000 |
| Not Provided | 238 | $46,690,000 | $196,000 | $1,355,000 | $107,000 | $1,437,000 |
| Not applicable | 212 | $48,920,000 | $230,000 | $4,345,000 | $28,000 | $36,000 |
| Hispanic | 32 | $5,950,000 | $185,000 | $415,000 | $95,000 | $280,000 |
| Asian | 10 | $2,280,000 | $228,000 | $345,000 | $153,000 | $636,000 |
| American Indian or Alaskan Native | 3 | $475,000 | $158,000 | $195,000 | $45,000 | $61,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $380,000 | $190,000 | $225,000 | $59,000 | $61,000 |
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) | 965 | $125,285,000 | $129,000 | $4,345,000 | $96,000 | $1,437,000 |
| FHA-insured (Federal Housing Administration) | 361 | $65,005,000 | $180,000 | $465,000 | $71,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 312 | $83,580,000 | $267,000 | $1,355,000 | $98,000 | $635,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $15,070,000 | $153,000 | $335,000 | $61,000 | $105,000 |
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 | 881 | $156,445,000 | $177,000 | $4,345,000 | $98,000 | $1,437,000 |
| Application Denied By Financial Institution | 330 | $37,820,000 | $114,000 | $665,000 | $70,000 | $333,000 |
| Application Withdrawn By Applicant | 201 | $36,675,000 | $182,000 | $585,000 | $100,000 | $1,243,000 |
| Loan Purchased By The Institution | 171 | $37,985,000 | $222,000 | $665,000 | $91,000 | $253,000 |
| File Closed For Incompleteness | 92 | $10,580,000 | $115,000 | $1,355,000 | $73,000 | $635,000 |
| Application Approved But Not Accepted | 60 | $9,110,000 | $151,000 | $525,000 | $76,000 | $230,000 |
| Preapproval Approved but not Accepted | 1 | $325,000 | $325,000 | $325,000 | $78,000 | $78,000 |
| 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 | 1,398 | $249,750,000 | $178,000 | $4,345,000 | $95,000 | $1,437,000 |
| Credit History | 136 | $12,530,000 | $92,000 | $455,000 | $68,000 | $192,000 |
| Debt-To-Income Ratio | 88 | $11,990,000 | $136,000 | $585,000 | $53,000 | $217,000 |
| Collateral | 40 | $4,380,000 | $109,000 | $665,000 | $90,000 | $242,000 |
| Credit Application Incomplete | 27 | $4,515,000 | $167,000 | $365,000 | $79,000 | $179,000 |
| Other | 27 | $3,885,000 | $143,000 | $585,000 | $110,000 | $333,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $870,000 | $108,000 | $215,000 | $67,000 | $125,000 |
| Unverifiable Information | 7 | $525,000 | $75,000 | $125,000 | $45,000 | $70,000 |
| Employment History | 5 | $495,000 | $99,000 | $235,000 | $54,000 | $88,000 |
| 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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