Macoupin County, IL Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,445 mortgage applications in Macoupin County, IL totaling $158.0 million, down 3% from 2018. The average application was for $109,000, and applicants reported an average income of $75,000. 61% of applications resulted in an originated loan and 15% were denied. The most active lender was United Community Bank, with 172 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 1,445
Total Mortgage Loan Application Amount $158,015,000
Average Mortgage Loan Application Amount $109,000
Highest Mortgage Loan Application Amount $1,275,000
Average Applicant Income $75,000
Highest Applicant Income $1,921,000

Mortgage Company List for Lending in Macoupin County, IL 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
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 2,077,491,000 172 $ 16,910,000
The First National Bank in Staunton
115 S ELM ST PO BOX 59
STAUNTON, IL 62088
* $ 540,720,000 152 $ 15,460,000
Cnb Bank & Trust, N.A.
450 W SIDE SQ
CARLINVILLE, IL 62626
* $ 984,073,000 54 $ 7,160,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 46 $ 5,280,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 44 $ 4,600,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 39 $ 4,525,000
1st Midamerica Credit Union
731 E. BETHALTO DR
BETHALTO, IL 62010
* $ 751,703,000 38 $ 3,720,000
Bank & Trust Company
401 N MADISON
LITCHFIELD, IL 62056
* $ 320,783,000 35 $ 2,875,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,005,697,000 34 $ 3,890,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 30 $ 2,340,000
Carrollton Bank

SAINT LOUIS, MO 63132
* $ 1,637,595,000 29 $ 3,655,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 24 $ 3,040,000
Town & Country Banc Mortgage Services, Inc.
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ -1,000 23 $ 2,335,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 649,990,000 22 $ 2,430,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 22 $ 2,170,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 19 $ 995,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 710,084,000 18 $ 2,120,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 2,185,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,755,606,000 17 $ 1,825,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 17 $ 1,755,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,953,334,000 16 $ 1,300,000
The First National Bank of Raymond
403 E. BROAD ST.
RAYMOND, IL 62560
* $ 145,555,000 16 $ 1,200,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 15 $ 1,495,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 15 $ 1,625,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 1,554,869,000 15 $ 2,325,000
Warren Boynton State Bank
702 W ILLINOIS ST, PO BOX 19
NEW BERLIN, IL 62670
* $ 172,613,000 14 $ 1,150,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 14 $ 1,920,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 1,219,604,000 14 $ 1,590,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 3,396,909,000 14 $ 3,050,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 13 $ 1,425,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 13 $ 1,695,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 1,825,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 12 $ 1,440,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 12 $ 1,360,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,346,426,000 10 $ 1,090,000
Revity Credit Union
4101 STATE RTE 111
GRANITE CITY, IL 62040
* $ 345,210,000 10 $ 950,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 930,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 9 $ 535,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 765,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 8 $ 640,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 1,060,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 8 $ 1,110,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 8 $ 1,650,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 8 $ 930,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 8 $ 530,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,195,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 7 $ 465,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 7 $ 1,125,000
Jersey State Bank
1000 S STATE ST
JERSEYVILLE, IL 62052
* $ 145,607,000 7 $ 805,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 1,195,000
Constitution Bank N.A.
PO BOX 310
HILLSBORO, IL 62049
* $ 339,141,000 7 $ 645,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 7,690,612,000 6 $ 860,000
Heartland Credi T Union
2213 W WHITE OAKS DR
SPRINGFEILD, IL 62704
* $ 296,357,000 6 $ 400,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 310,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 615,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 33,604,332,000 5 $ 285,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 875,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 5 $ 565,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 4 $ 860,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 4 $ 270,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ -1,000 4 $ 520,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,383,765,000 4 $ 360,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 4 $ 750,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 4 $ 570,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ 909,029,000 4 $ 330,000
Midwest Members Credit Union
101 WESELY DR.
WOOD RIVER, IL 62095
* $ 128,426,000 4 $ 200,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 3 $ 435,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 395,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 75,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 3 $ 255,000
Jacksonville Savings Bank
1211 WEST MORTON AVE
JACKSONVILLE, IL 62650
* $ 319,354,000 3 $ 185,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 745,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 255,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 425,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 285,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 3 $ 225,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 3 $ 275,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 265,000
Healthcare Associates Credit Union
1151 E WARRENVILLE RD
NAPERVILLE, IL 60563
* $ 351,229,000 2 $ 50,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 290,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 2 $ 410,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 2 $ 200,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 90,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 2 $ 390,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 240,000
Illinois State Police Federal Credit Union
730 ENGINEERING AVE.
SPRINGFIELD, IL 62703
* $ 93,410,000 2 $ 110,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 480,000
Alliance Community Bank
200 N WEST ST, PO BOX 319
PETERSBURG, IL 62675
* $ 277,591,000 2 $ 370,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 170,000
The Bradford National Bank of Greenville
100 E COLLEGE AVE
GREENVILLE, IL 62246
* $ 295,821,000 2 $ 120,000
Community Bank of Trenton
104 EAST BROADWAY
TRENTON, IL 62293
* $ 83,419,000 2 $ 70,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 2 $ 170,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 230,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 290,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 2 $ 210,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 220,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,039,284,000 2 $ 110,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ 655,218,000 2 $ 120,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 120,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 260,000
The Fnb Community Bank
432 WEST GALLATIN STREET
VANDALIA, IL 62471
* $ 337,348,000 1 $ 65,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 65,000
Cu/America Financial Services, Inc.
200 W 22ND ST, STE 280
LOMBARD, IL 60148
* $ -1,000 1 $ 145,000
Scott State Bank
101 WEST MAIN STREET
BETHANY, IL 61914
* $ 162,766,000 1 $ 165,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,209,796,000 1 $ 55,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 55,000
D.W. Brown Mortgage Corp.
2205B SOUTH STATE ROUTE 157
EDWARDSVILLE, IL 62025
* $ -1,000 1 $ 115,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 187,415,000 1 $ 125,000
Collinsville Building and Loan Association
701 BELTLINE RD
COLLINSVILLE, IL 62234
* $ 117,812,000 1 $ 85,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 175,000
Hickory Point Bank & Trust
225 N WATER STREET
DECATUR, IL 62525
* $ 645,834,000 1 $ 285,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 205,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 125,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 95,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 195,000
Bank of O'fallon
901 S. LINCOLN AVE
O'FALLON, IL 62269
* $ 317,416,000 1 $ 55,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 175,000
Town and Country Bank
3601 W WABASH AVE
SPRINGFIELD, IL 62711
* $ 778,209,000 1 $ 105,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 476,111,000 1 $ 65,000
Security Bank
510 E. MONROE ST
SPRINGFIELD, IL 62701
* $ 147,776,000 1 $ 65,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 125,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 1 $ 45,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 187,387,000 1 $ 275,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 215,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ 3,756,930,000 1 $ 55,000
Bank of Belleville
215 S ILLINOIS ST
BELLEVILLE, IL 62220
* $ 209,078,000 1 $ 175,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 2,504,519,000 1 $ 35,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 1 $ 35,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 666,879,000 1 $ 65,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 135,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 16,110,188,000 1 $ 75,000
Farmers State Bank
108 E. ADAMS, P.O. BOX 538
PITTSFIELD, IL 62363
* $ 257,126,000 1 $ 85,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 175,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 175,000
Gateway Metro Federal Credit U
1001 PINE ST
SAINT LOUIS, MO 63101
* $ 173,562,000 1 $ 115,000
Iaa Credit Union
808 IAA DRIVE
BLOOMINGTON, IL 61701
* $ 252,362,000 1 $ 125,000
Credit Union 1
200 EAST CHAMPAIGN AVENUE
RANTOUL, IL 61866
* $ 845,294,000 1 $ 145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 105,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 65,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 1 $ 65,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 205,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 125,000
Midwest Loan Solutions, Inc.
29777 TELEGRAPH RD. SUITE 3580
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 165,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 145,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 225,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 85,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 85,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
First FSB of Mascoutah
101 W MAIN STREET
MASCOUTAH, IL 62258
* $ 105,828,000 1 $ 85,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 4,679,144,000 1 $ 65,000
Best Hometown Bank
100 E. CLAY ST.
COLLINSVILLE, IL 62234
* $ 109,375,000 1 $ 105,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 1 $ 75,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ 240,439,000 1 $ 75,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 23,137,750,000 1 $ 175,000

The tables below break down 2019 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 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 724 $81,790,000 $112,000 $1,275,000 $73,000 $1,921,000
Refinancing 321 $39,295,000 $122,000 $505,000 $76,000 $382,000
Cash-out Refinancing 218 $26,420,000 $121,000 $365,000 $80,000 $1,177,000
Home Improvement 84 $3,750,000 $44,000 $245,000 $68,000 $200,000
Other Purpose 72 $4,570,000 $63,000 $375,000 $78,000 $270,000
Not Applicable 26 $2,190,000 $84,000 $245,000 $72,000 $103,000

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 1,202 $129,970,000 $108,000 $1,275,000 $76,000 $1,921,000
Not applicable 144 $15,920,000 $110,000 $355,000 $54,000 $135,000
Not Provided 75 $9,575,000 $127,000 $455,000 $71,000 $260,000
Hispanic 10 $1,160,000 $116,000 $285,000 $59,000 $102,000
Asian 8 $830,000 $103,000 $235,000 $61,000 $119,000
Black or African American 3 $155,000 $51,000 $65,000 $34,000 $56,000
American Indian or Alaskan Native 3 $405,000 $135,000 $265,000 $109,000 $227,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

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) 966 $102,660,000 $106,000 $1,275,000 $80,000 $584,000
FHA-insured (Federal Housing Administration) 236 $25,770,000 $109,000 $285,000 $50,000 $206,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 127 $11,135,000 $87,000 $245,000 $61,000 $1,921,000
VA-guaranteed (Veterans Administration) 116 $18,450,000 $159,000 $505,000 $84,000 $1,177,000

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 878 $101,130,000 $115,000 $1,275,000 $78,000 $543,000
Application Denied By Financial Institution 216 $18,140,000 $83,000 $405,000 $63,000 $1,177,000
Loan Purchased By The Institution 146 $17,530,000 $120,000 $505,000 $64,000 $151,000
Application Withdrawn By Applicant 134 $13,590,000 $101,000 $555,000 $64,000 $200,000
File Closed For Incompleteness 39 $4,825,000 $123,000 $365,000 $73,000 $333,000
Application Approved But Not Accepted 28 $2,440,000 $87,000 $255,000 $148,000 $1,921,000
Preapproval Approved but not Accepted 2 $130,000 $65,000 $65,000 $67,000 $83,000
Preapproval Denied by Financial Institution 2 $230,000 $115,000 $125,000 $66,000 $75,000

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 1,118 $128,200,000 $114,000 $1,275,000 $77,000 $1,921,000
Debt-To-Income Ratio 172 $16,930,000 $98,000 $405,000 $65,000 $260,000
Credit History 80 $5,880,000 $73,000 $265,000 $68,000 $1,177,000
Collateral 38 $3,720,000 $97,000 $205,000 $76,000 $260,000
Other 13 $1,105,000 $85,000 $155,000 $54,000 $102,000
Credit Application Incomplete 12 $1,280,000 $106,000 $225,000 $86,000 $150,000
Unverifiable Information 7 $415,000 $59,000 $95,000 $67,000 $125,000
Employment History 3 $225,000 $75,000 $105,000 $41,000 $61,000
Insufficient Cash (Downpayment, Closing Cost) 2 $260,000 $130,000 $215,000 $49,000 $67,000
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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