Madison County, GA Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,255 mortgage applications in Madison County, GA totaling $167.3 million, down 3% from 2017. The average application was for $133,000, and applicants reported an average income of $70,000. 47% of applications resulted in an originated loan and 20% were denied. The most active lender was 21st Mortgage, with 100 applications, followed by First Ciitizens Bank and Trust and Magnolia 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 1,255
Total Mortgage Loan Application Amount $167,335,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $765,000
Average Applicant Income $70,000
Highest Applicant Income $1,904,000

Mortgage Company List for Lending in Madison County, GA for 2018

* 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
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 100 $ 9,300,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 34,346,930,000 88 $ 8,550,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 71 $ 12,015,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 67 $ 9,065,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 41 $ 7,305,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 41 $ 6,105,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 36 $ 5,110,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 31 $ 3,815,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 23 $ 1,685,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 23 $ 3,415,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ 876,891,000 22 $ 3,450,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 1,295,845,000 22 $ 1,890,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 21 $ 3,585,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 21 $ 2,705,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 20 $ 1,770,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 20 $ 3,130,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 19 $ 1,875,000
First Madison Bank & Trust
780 HIGHWAY 29 NORTH
ATHENS, GA 30601
* $ 213,104,000 19 $ 3,465,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 17 $ 2,775,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 16 $ 2,540,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 16 $ 2,610,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 15 $ 2,695,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ 494,992,000 15 $ 2,115,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 2,015,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 14 $ 1,560,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 1,980,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 11,903,875,000 12 $ 1,620,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 1,750,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ -1,000 11 $ 1,795,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 10 $ 1,640,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31095
* $ 2,383,369,000 10 $ 750,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 31,106,198,000 10 $ 700,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 1,375,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 9 $ 1,345,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 8 $ 1,210,000
Oconee State Bank
P.O. BOX 205
WATKINSVILLE, GA 30677
* $ 355,028,000 8 $ 820,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 8 $ 540,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ -1,000 8 $ 1,310,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 900,000
The Commercial Bank
102 N. CHURCH STREET
CRAWFORD, GA 30630
* $ 158,122,000 8 $ 680,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 8 $ 1,140,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 14,461,396,000 8 $ 450,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 7 $ 875,000
State Bank and Trust Company
4219 FORSYTH ROAD
MACON, GA 31210
* $ 4,946,189,000 7 $ 405,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 7 $ 1,315,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 4,574,627,000 7 $ 1,325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 935,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 7 $ 325,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 6 $ 1,000,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 6 $ 740,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 6 $ 1,050,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 865,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 5 $ 835,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 5 $ 565,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 835,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 5 $ 645,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 460,000
Shelter Home Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 550,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 390,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 4 $ 810,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 590,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 280,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 4 $ 150,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 960,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 530,000
Acu
P.O. BOX 923028
PEACHTREE CORNERS, GA 30092
* $ 1,533,523,000 4 $ 380,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 475,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 595,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 315,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 375,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 3 $ 595,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 3 $ 435,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 3 $ 375,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 455,000
Centerstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 7,074,470,000 2 $ 260,000
Corridor Mortgage Group, Inc.
11085 STRATFIELD COURT
MARRIOTTSVILLE, MD 21104
* $ -1,000 2 $ 370,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 2 $ 420,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 220,000
Synovus Mortgage Corp.
800 SHADES CREEK PARKWAY
BIRMINGHAM, AL 35209
* $ -1,000 2 $ 490,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 8,273,309,000 2 $ 110,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 240,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 330,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 2 $ 420,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 2 $ 310,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 40,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 2 $ 530,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 2 $ 220,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 2 $ 170,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 150,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 2 $ 230,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 2 $ 500,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 270,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ -1,000 2 $ 230,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 350,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 200,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 2 $ 380,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 240,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 280,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 2 $ 210,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 70,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 330,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 370,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 2 $ 350,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 205,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 75,000
Bank of Madison
133 N MAIN ST
MADISON, GA 30650
* $ 230,942,000 1 $ 35,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ 415,029,000 1 $ 155,000
Planters First Bank
1620 E 16TH AVE
CORDELE, GA 31015
* $ 319,172,000 1 $ 85,000
Ithink Financial Credit Union
1000 NW 17TH AVENUE
DELRAY BEACH, FL 33445
* $ 1,079,137,000 1 $ 45,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 2,311,604,000 1 $ 25,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 95,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,528,090,000 1 $ 105,000
Banksouth
6340 LAKE OCONEE PARKWAY
GREENSBORO, GA 30642
* $ 583,744,000 1 $ 55,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 105,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 95,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 30,280,467,000 1 $ 45,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,329,440,000 1 $ 185,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 1 $ 245,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 245,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 1 $ 115,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 305,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,364,710,000 1 $ 55,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 135,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 175,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 225,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 135,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 255,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 95,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 95,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 2,964,992,000 1 $ 25,000
The Citizens State Bank of Taylor County
36 MARTIN LUTHER KING DR, P O BOX 277
REYNOLDS, GA 31076
* $ 58,506,000 1 $ 515,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 95,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 115,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 265,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,376,902,000 1 $ 235,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 115,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 21,275,647,000 1 $ 145,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 155,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 285,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 105,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 185,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 7,112,603,000 1 $ 35,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 1 $ 65,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 165,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 1 $ 115,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 115,000
The Piedmont Bank
5100 PEACHTREE PARKWAY
PEACHTREE CORNERS, GA 30092
* $ 819,909,000 1 $ 15,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ -1,000 1 $ 225,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 205,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 5,571,210,000 1 $ 95,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,107,765,000 1 $ 25,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 205,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 27,823,771,000 1 $ 185,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 15,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 7,826,243,000 1 $ 135,000

The tables below break down 2018 mortgage applications in Madison County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Madison County, GA in 2018

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 650 $96,440,000 $148,000 $765,000 $67,000 $1,904,000
Cash-out Refinancing 224 $33,570,000 $149,000 $425,000 $67,000 $209,000
Refinancing 204 $25,810,000 $126,000 $515,000 $73,000 $307,000
Other Purpose 84 $4,750,000 $56,000 $255,000 $85,000 $449,000
Home Improvement 65 $4,095,000 $63,000 $335,000 $85,000 $672,000
Not Applicable 28 $2,670,000 $95,000 $425,000 $52,000 $68,000

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 839 $110,085,000 $131,000 $765,000 $73,000 $1,904,000
Not applicable 158 $23,150,000 $146,000 $515,000 $55,000 $91,000
Not Provided 121 $15,235,000 $125,000 $345,000 $67,000 $400,000
Black or African American 92 $13,000,000 $141,000 $285,000 $61,000 $194,000
Hispanic 25 $2,995,000 $119,000 $215,000 $50,000 $114,000
Asian 13 $1,795,000 $138,000 $245,000 $45,000 $124,000
American Indian or Alaskan Native 4 $580,000 $145,000 $185,000 $55,000 $64,000
Native Hawaiian or Other Pacific Islander 1 $325,000 $325,000 $325,000 $119,000 $119,000

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) 802 $98,090,000 $122,000 $765,000 $73,000 $672,000
FHA-insured (Federal Housing Administration) 281 $41,435,000 $147,000 $325,000 $58,000 $208,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 88 $12,670,000 $143,000 $265,000 $80,000 $1,904,000
VA-guaranteed (Veterans Administration) 84 $15,140,000 $180,000 $365,000 $67,000 $175,000

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 591 $81,495,000 $137,000 $765,000 $71,000 $449,000
Application Denied By Financial Institution 251 $26,435,000 $105,000 $425,000 $64,000 $672,000
Loan Purchased By The Institution 199 $30,625,000 $153,000 $425,000 $64,000 $236,000
Application Withdrawn By Applicant 126 $18,610,000 $147,000 $315,000 $84,000 $1,904,000
File Closed For Incompleteness 61 $6,985,000 $114,000 $265,000 $70,000 $300,000
Application Approved But Not Accepted 27 $3,185,000 $117,000 $335,000 $54,000 $140,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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 948 $132,250,000 $139,000 $425,000 $70,000 $1,904,000
Debt-To-Income Ratio 123 $15,955,000 $129,000 $765,000 $67,000 $307,000
Credit History 90 $7,650,000 $85,000 $235,000 $78,000 $672,000
Collateral 33 $3,445,000 $104,000 $255,000 $70,000 $137,000
Credit Application Incomplete 25 $3,775,000 $151,000 $305,000 $65,000 $180,000
Other 15 $1,595,000 $106,000 $205,000 $62,000 $94,000
Insufficient Cash (Downpayment, Closing Cost) 11 $995,000 $90,000 $185,000 $63,000 $103,000
Unverifiable Information 6 $1,060,000 $176,000 $345,000 $77,000 $206,000
Employment History 4 $610,000 $152,000 $165,000 $50,000 $58,000
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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