Macoupin County, IL Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,529 mortgage applications in Macoupin County, IL totaling $128.7 million, down 23% from 2013. The average application was for $84,000, and applicants reported an average income of $56,000. 57% of applications resulted in an originated loan and 19% were denied. The most active lender was United Community Bank, with 224 applications, followed by The First National Bank in Staunton and Cnb Bank & Trust, N.A..

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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 1,529
Total Mortgage Loan Application Amount $128,710,000
Average Mortgage Loan Application Amount $84,000
Highest Mortgage Loan Application Amount $1,803,000
Average Applicant Income $56,000
Highest Applicant Income $1,152,000

Mortgage Company List for Lending in Macoupin County, IL for 2014

* 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
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 1,045,638,000 224 $ 15,889,000
The First National Bank in Staunton
115 S ELM ST PO BOX 59
STAUNTON, IL 62088
* $ 491,856,000 188 $ 11,515,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ 718,037,000 117 $ 8,302,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 82 $ 7,246,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 68 $ 4,846,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 48 $ 4,736,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ 497,459,000 35 $ 3,252,000
Bank & Trust Company
401 N MADISON
LITCHFIELD, IL 62056
* $ 264,174,000 29 $ 3,759,000
The First National Bank of Raymond
403 E. BROAD ST.
RAYMOND, IL 62560
* $ 142,852,000 24 $ 1,572,000
State Bank of Lincoln
508 BROADWAY STREET
LINCOLN, IL 62656
* $ 332,984,000 24 $ 1,813,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 21 $ 2,027,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 707,732,000 20 $ 1,799,000
Jacksonville Savings Bank
1211 WEST MORTON AVE
JACKSONVILLE, IL 62650
* $ 318,383,000 17 $ 1,107,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 17 $ 1,780,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,293,139,000 16 $ 1,825,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 664,402,000 16 $ 930,000
Bank of Modesto
201 EAST STATE, PO BOX 19
MODESTO, IL 62667
* $ 45,046,000 15 $ 1,014,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 14 $ 1,502,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 237,850,000 14 $ 1,175,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 645,862,000 14 $ 1,129,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ 12,837,000 13 $ 964,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 13 $ 1,166,000
Jersey State Bank
1000 S STATE ST
JERSEYVILLE, IL 62052
* $ 140,934,000 13 $ 1,654,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 11 $ 691,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 11 $ 1,265,000
First Community State Bank
417 W. NORTH ST.
STAUNTON, IL 62088
* $ 46,134,000 11 $ 627,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 10 $ 789,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 755,966,000 10 $ 1,254,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,630,474,000 10 $ 942,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 10 $ 1,410,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 10 $ 854,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 9 $ 803,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 9 $ 844,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 9 $ 926,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 9 $ 772,000
Illini Bank
3200 W. ILES AVENUE
SPRINGFIELD, IL 62711
* $ 287,537,000 9 $ 785,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 8 $ 585,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 8 $ 1,344,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 8 $ 590,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 5,846,566,000 8 $ 593,000
First Clover Leaf Bank, N.A.
6814 GOSHEN ROAD, PO BOX 540
EDWARDSVILLE, IL 62025
* $ 621,683,000 7 $ 727,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 7 $ 770,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 7 $ 743,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 795,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 7 $ 923,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 813,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 441,000
Security Bank
510 E. MONROE ST
SPRINGFIELD, IL 62701
* $ 144,836,000 6 $ 427,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 492,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 6 $ 501,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 5 $ 502,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 5 $ 392,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 5 $ 616,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 5 $ 512,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 5 $ 408,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ 649,669,000 5 $ 372,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,158,900,000 5 $ 524,000
National Penn Bank
PO BOX 547
BOYERTOWN, PA 19512
* $ 8,450,154,000 4 $ 24,000
Central Bank of St. Louis
12218 MANCHEST RD.
ST. LOUIS, MO 63131
* $ 1,397,889,000 4 $ 460,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 509,044,000 4 $ 104,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 4 $ 243,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 23,932,159,000 4 $ 366,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 4 $ 445,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 4 $ 291,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 4 $ 347,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 4 $ 670,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 4 $ 321,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 4 $ 361,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 3 $ 544,000
Revity Credit Union
4101 STATE RTE 111
GRANITE CITY, IL 62040
* $ 315,852,000 3 $ 135,000
Peoples Bank & Trust
200 S LOCUST, PO BOX 350
PANA, IL 62557
* $ 393,664,000 3 $ 232,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 3 $ 215,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ 339,264,000 3 $ 308,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ 31,000,000 3 $ 350,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,884,304,000 3 $ 260,000
Reliance Bank
10401 CLAYTON ROAD
FRONTENAC, MO 63131
* $ 1,015,324,000 3 $ 183,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 3 $ 442,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 3 $ 47,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 22,943,132,000 3 $ 194,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 2 $ 388,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 2 $ 233,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 299,000
Newcastle Home Loans LLC
1700 W CORTLAND STREET, STE 203
CHICAGO, IL 60622
* $ 29,707,000 2 $ 221,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 185,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ 2,815,550,000 2 $ 88,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 89,000
Shell Community Credit Union
101 WESLEY DRIVE
WOOD RIVER, IL 62095
* $ 104,678,000 2 $ 50,000
Heartland Credi T Union
2213 W WHITE OAKS DR
SPRINGFEILD, IL 62704
* $ 230,831,000 2 $ 160,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 928,998,000 2 $ 175,000
Warren Boynton State Bank
702 W ILLINOIS ST, PO BOX 19
NEW BERLIN, IL 62670
* $ 124,067,000 2 $ 141,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 260,398,000 2 $ 321,000
Premier Bank of Jacksonville
1604 WEST MORTON AVE
JACKSONVILLE, IL 62650
* $ 202,009,000 2 $ 127,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 161,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 2 $ 139,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ 10,000,000 2 $ 175,000
Liberty Bank
2403 HOMER ADAMS PARKWAY
ALTON, IL 62002
* $ 289,533,000 2 $ 210,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 2 $ 68,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 275,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 155,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 208,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 2 $ 100,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 2 $ 5,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,412,555,000 2 $ 55,000
CU Channels
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 505,929,000 1 $ 57,000
Cu/America Financial Services, Inc.
200 W 22ND ST, STE 280
LOMBARD, IL 60148
* $ 275,906,000 1 $ 92,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 1 $ 375,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 86,000
National Bank of Petersburg
PO BOX 470
PETERSBURG, IL 62675
* $ 147,224,000 1 $ 137,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 8,122,963,000 1 $ 24,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,540,049,000 1 $ 69,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 56,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 133,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 90,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 69,000
Paramount Bond & Mortgage Co., Inc.
622 EMERSON RD SUITE 325
SAINT LOUIS, MO 63141
* $ 29,655,000 1 $ 165,000
Hickory Point Bank & Trust FSB
225 N WATER STREET
DECATUR, IL 62523
* $ 603,987,000 1 $ 70,000
Auto Club Trust, FSB
1 AUTO CLUB DRIVE
DEARBORN, MI 48126
* $ 66,008,000 1 $ 79,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,468,863,000 1 $ 200,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 1 $ 90,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,492,889,000 1 $ 125,000
Heartland Bank
212 SOUTH CENTRAL
ST. LOUIS, MO 63105
* $ 811,472,000 1 $ 67,000
Community Partners Savings Bank
301 W MAIN ST
SALEM, IL 62881
* $ 153,435,000 1 $ 41,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 62,915,596,000 1 $ 63,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 1 $ 80,000
Gateway Metro Federal Credit U
1001 PINE ST
SAINT LOUIS, MO 63101
* $ 173,269,000 1 $ 35,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 54,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 1 $ 11,000
Healthcare Associates Credit Union
1151 E WARRENVILLE RD
NAPERVILLE, IL 60563
* $ 267,924,000 1 $ 103,000
The Havana National Bank
112 S ORANGE ST
HAVANA, IL 62644
* $ 217,020,000 1 $ 31,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 499,849,000 1 $ 50,000
Scott State Bank
101 WEST MAIN STREET
BETHANY, IL 61914
* $ 102,387,000 1 $ 50,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 647,760,000 1 $ 60,000
First State Bank of Campbell Hill
114 W FRONT STREET
CAMPBELL HILL, IL 62916
* $ 101,537,000 1 $ 3,000
Farmers State Bank
108 E. ADAMS, P.O. BOX 538
PITTSFIELD, IL 62363
* $ 233,802,000 1 $ 8,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 912,884,000 1 $ 1,803,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ 250,962,000 1 $ 89,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 1,597,468,000 1 $ 36,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 86,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 416,466,000 1 $ 70,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 1,738,657,000 1 $ 147,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 188,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ 9,427,000 1 $ 235,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 1 $ 57,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 50,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 50,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 86,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 1 $ 61,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 2,934,275,000 1 $ 400,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 1 $ 60,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 1 $ 85,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 1 $ 184,000

The tables below break down 2014 mortgage applications in Macoupin County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Macoupin County, IL in 2014

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 711 $65,165,000 $91,000 $1,000,000 $52,000 $501,000
Refinancing 598 $55,972,000 $93,000 $1,803,000 $60,000 $1,152,000
Home Improvement 220 $7,573,000 $34,000 $217,000 $58,000 $221,000

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 1,279 $105,710,000 $82,000 $1,803,000 $63,000 $1,152,000
Not applicable 173 $16,376,000 $94,000 $1,000,000 $3,000 $111,000
Not Provided 59 $5,100,000 $86,000 $400,000 $51,000 $118,000
American Indian or Alaskan Native 4 $245,000 $61,000 $65,000 $46,000 $50,000
Asian 4 $170,000 $42,000 $66,000 $47,000 $78,000
Hispanic 4 $663,000 $165,000 $198,000 $74,000 $113,000
Native Hawaiian or Other Pacific Islander 3 $213,000 $71,000 $104,000 $46,000 $54,000
Black or African American 3 $233,000 $77,000 $95,000 $21,000 $36,000

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) 1,045 $83,634,000 $80,000 $1,803,000 $66,000 $1,152,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 213 $15,799,000 $74,000 $187,000 $23,000 $78,000
FHA-insured (Federal Housing Administration) 194 $18,497,000 $95,000 $250,000 $41,000 $145,000
VA-guaranteed (Veterans Administration) 77 $10,780,000 $140,000 $320,000 $52,000 $170,000

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 877 $74,288,000 $84,000 $1,803,000 $65,000 $732,000
Application Denied By Financial Institution 286 $21,177,000 $74,000 $400,000 $49,000 $178,000
Loan Purchased By The Institution 202 $18,255,000 $90,000 $275,000 $15,000 $127,000
Application Withdrawn By Applicant 87 $8,126,000 $93,000 $384,000 $55,000 $204,000
Application Approved But Not Accepted 54 $5,109,000 $94,000 $400,000 $88,000 $735,000
File Closed For Incompleteness 22 $1,690,000 $76,000 $184,000 $92,000 $1,152,000
Preapproval Denied by Financial Institution 1 $65,000 $65,000 $65,000 $29,000 $29,000
Preapproval Approved but not Accepted 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
Credit History 55 $2,696,000 $49,000 $165,000 $46,000 $145,000
Debt-To-Income Ratio 42 $2,782,000 $66,000 $213,000 $43,000 $156,000
Collateral 42 $3,638,000 $86,000 $223,000 $49,000 $117,000
Credit Application Incomplete 10 $835,000 $83,000 $132,000 $28,000 $100,000
Other 5 $435,000 $87,000 $139,000 $73,000 $118,000
Unverifiable Information 4 $541,000 $135,000 $235,000 $81,000 $121,000
Insufficient Cash (Downpayment, Closing Cost) 4 $583,000 $145,000 $400,000 $33,000 $91,000
Mortgage Insurance Denied 2 $138,000 $69,000 $85,000 $39,000 $58,000
Employment History 2 $182,000 $91,000 $141,000 $106,000 $115,000

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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