Madison County, NC Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 838 mortgage applications in Madison County, NC totaling $130.0 million, down 17% from 2009. The average application was for $155,000, and applicants reported an average income of $66,000. 43% of applications resulted in an originated loan and 23% were denied. The most active lender was Wells Fargo Bank, NA, with 123 applications, followed by State Employees' Credit Union and JPMorgan Chase Bank, NA.
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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 | 838 |
| Total Mortgage Loan Application Amount | $129,972,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $638,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 123 | $ 18,310,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 19,574,613,000 | 69 | $ 9,755,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 48 | $ 8,345,000 |
| Asheville Savings Bank, SSB PO BOX 652 ASHEVILLE, NC 28802 |
* | $ 749,412,000 | 43 | $ 6,582,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 41 | $ 6,690,000 |
| Hometrust Bank 10 WOODFIN ST ASHEVILLE, NC 28801 |
* | $ 1,454,117,000 | 40 | $ 7,039,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 37 | $ 6,414,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 30 | $ 2,231,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 23 | $ 4,485,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 22 | $ 3,424,000 |
| Telco Community Credit Union 712 NEW LEICESTER HWY. CANDLER, NC 28715 |
* | $ 77,007,000 | 18 | $ 1,425,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 17 | $ 1,256,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 15,798,830,000 | 16 | $ 2,808,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 2,729,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 15 | $ 2,502,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 15 | $ 3,118,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 11 | $ 1,807,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,786,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 9 | $ 2,120,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 995,949,000 | 9 | $ 894,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 8 | $ 978,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,984,141,000 | 8 | $ 1,458,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 7 | $ 1,198,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 7 | $ 1,128,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 7 | $ 1,325,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 6 | $ 1,114,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 876,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 1,045,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 851,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 275,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 100,000,000 | 5 | $ 813,000 |
| Cunningham & Company 804 GREEN VALLEY ROAD, SUITE 106 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 5 | $ 768,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 27,472,172,000 | 5 | $ 1,005,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 5 | $ 1,130,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 4 | $ 479,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 4 | $ 596,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 626,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 541,000 |
| United Services Credit Union P.O. BOX 3336 ASHEVILLE, NC 28802 |
* | $ 66,577,000 | 3 | $ 158,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 3 | $ 683,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 423,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 575,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 3 | $ 630,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 3 | $ 705,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 696,719,000 | 3 | $ 672,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 3 | $ 505,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 164,340,844,000 | 3 | $ 182,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 573,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 3,015,291,000 | 2 | $ 260,000 |
| Monarch Bank 1435 CROSSWAYS BOULEVARD, SUITE 101 CHESAPEAKE, VA 23320 |
* | $ 689,665,000 | 2 | $ 160,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 2 | $ 284,000 |
| Scbt, NA PO BOX 1287 ORANGEBURG, SC 29116 |
* | $ 2,700,320,000 | 2 | $ 322,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 2 | $ 252,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 2 | $ 156,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 2 | $ 308,000 |
| Carolina First Bank 102 S MAIN STREET GREENVILLE, SC 29601 |
* | $ 11,876,234,000 | 2 | $ 204,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,421,986,000 | 2 | $ 253,000 |
| Wnc Community CU 27 KENT LANE WAYNESVILLE, NC 28786 |
* | $ 62,808,000 | 2 | $ 284,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 266,952,000 | 2 | $ 208,000 |
| Champion Credit Union 1 ACADEMY STREET CANTON, NC 28716 |
* | $ 138,529,000 | 2 | $ 250,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 2 | $ 198,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 308,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 427,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 209,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 273,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 2 | $ 273,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 271,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 140,000 |
| Oxford Lending Group, LLC 1 EAST CAMPUS VIEW BLVD STE #200 COLUMBUS, OH 43235 |
* | $ 700,000,000 | 1 | $ 202,000 |
| Main Street Home Loans LLC 4010 OLD MILTON PARKWAY ALPHARETTA, GA 30005 |
* | $ 11,000,000 | 1 | $ 204,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 156,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 386,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Resource Financial Services 2717 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 107,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 253,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Greylock Federal Credit Union 150 WEST ST. PITTSFIELD, MA 01201 |
* | $ 1,228,533,000 | 1 | $ 70,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 113,634,000 | 1 | $ 132,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,272,096,000 | 1 | $ 231,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 419,096,000 | 1 | $ 238,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 210,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 120,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 1 | $ 225,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,334,218,000 | 1 | $ 247,000 |
| First Flight Federal Credit Union 1815 KILDAIRE FARM RD STE A CARY, NC 27518 |
* | $ 151,833,000 | 1 | $ 55,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,061,586,000 | 1 | $ 279,000 |
| Capital Bank 333 FAYETTEVILLE STREET, SUITE 800 RALEIGH, NC 27601 |
* | $ 1,732,891,000 | 1 | $ 399,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 678,973,000 | 1 | $ 104,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 203,180,000 | 1 | $ 417,000 |
| Mountain 1st Bank & Trust Comp 101 JACK STREET HENDERSONVILLE, NC 28792 |
* | $ 792,990,000 | 1 | $ 117,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,108,831,000 | 1 | $ 20,000 |
| Southern Community Bank and Tr 465 SHEPHERD STREET WINSTON SALEM, NC 27103 |
* | $ 1,724,767,000 | 1 | $ 135,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 20,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 1 | $ 125,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 386,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,286,247,000 | 1 | $ 205,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 125,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 164,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 1 | $ 84,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 187,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 295,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 1 | $ 83,000 |
| Greenbank 100 N. MAIN STREET GREENEVILLE, TN 37743 |
* | $ 2,615,273,000 | 1 | $ 3,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,275,010,000 | 1 | $ 80,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 179,000 |
| Bank of Commerce PO BOX 29 CHELSEA, OK 74016 |
* | $ 145,244,000 | 1 | $ 152,000 |
The tables below break down 2010 mortgage applications in Madison County, NC 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, NC in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 539 | $91,100,000 | $169,000 | $592,000 | $67,000 | $600,000 |
| Home Purchase | 248 | $36,265,000 | $146,000 | $638,000 | $70,000 | $420,000 |
| Home Improvement | 51 | $2,607,000 | $51,000 | $300,000 | $44,000 | $130,000 |
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 | 713 | $109,592,000 | $153,000 | $638,000 | $70,000 | $600,000 |
| Not Provided | 84 | $13,932,000 | $165,000 | $417,000 | $67,000 | $420,000 |
| Not applicable | 34 | $5,688,000 | $167,000 | $386,000 | $0 | $0 |
| Hispanic | 4 | $405,000 | $101,000 | $140,000 | $23,000 | $50,000 |
| American Indian or Alaskan Native | 2 | $155,000 | $77,000 | $106,000 | $29,000 | $46,000 |
| Asian | 1 | $200,000 | $200,000 | $200,000 | $50,000 | $50,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 670 | $101,159,000 | $150,000 | $638,000 | $70,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 103 | $17,419,000 | $169,000 | $309,000 | $54,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $5,499,000 | $161,000 | $265,000 | $51,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 31 | $5,895,000 | $190,000 | $350,000 | $47,000 | $120,000 |
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 | 362 | $56,564,000 | $156,000 | $638,000 | $75,000 | $600,000 |
| Application Denied By Financial Institution | 190 | $26,975,000 | $141,000 | $600,000 | $63,000 | $544,000 |
| Loan Purchased By The Institution | 115 | $20,083,000 | $174,000 | $405,000 | $51,000 | $420,000 |
| Application Withdrawn By Applicant | 99 | $15,766,000 | $159,000 | $417,000 | $63,000 | $349,000 |
| Application Approved But Not Accepted | 41 | $5,138,000 | $125,000 | $417,000 | $63,000 | $375,000 |
| File Closed For Incompleteness | 31 | $5,446,000 | $175,000 | $408,000 | $58,000 | $124,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 40 | $6,652,000 | $166,000 | $417,000 | $95,000 | $544,000 |
| Credit History | 30 | $2,542,000 | $84,000 | $332,000 | $47,000 | $130,000 |
| Debt-To-Income Ratio | 26 | $4,790,000 | $184,000 | $600,000 | $50,000 | $171,000 |
| Other | 13 | $1,800,000 | $138,000 | $412,000 | $54,000 | $282,000 |
| Credit Application Incomplete | 11 | $1,652,000 | $150,000 | $350,000 | $67,000 | $173,000 |
| Unverifiable Information | 5 | $866,000 | $173,000 | $205,000 | $76,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $223,000 | $111,000 | $116,000 | $67,000 | $82,000 |
| Employment History | 1 | $10,000 | $10,000 | $10,000 | $0 | $0 |
| 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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