Madison County, VA Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 834 mortgage applications in Madison County, VA totaling $155.9 million, down 7% from 2008. The average application was for $186,000, and applicants reported an average income of $79,000. 43% of applications resulted in an originated loan and 21% were denied. The most active lender was Bank of America, N.A., with 80 applications, followed by Wells Fargo Bank, NA and Suntrust Mortgage, Inc.
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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 | 834 |
| Total Mortgage Loan Application Amount | $155,901,000 |
| Average Mortgage Loan Application Amount | $186,000 |
| Highest Mortgage Loan Application Amount | $935,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $2,704,000 |
* 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 |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 80 | $ 17,041,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 74 | $ 14,723,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 62 | $ 12,080,000 |
| Stellarone Bank 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,933,064,000 | 61 | $ 7,352,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 35 | $ 6,488,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 34 | $ 6,588,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 34 | $ 5,413,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 27 | $ 3,295,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 4,633,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 19 | $ 4,083,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 19 | $ 1,836,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 19 | $ 3,674,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 18 | $ 3,452,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 17 | $ 3,486,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 14 | $ 3,320,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 14 | $ 2,131,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 13 | $ 2,066,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 12 | $ 2,162,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 12 | $ 845,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 10 | $ 2,515,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 2,326,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 2,279,000 |
| Member Options LLC 1936 ARLINGTONG BLVD. CHARLOTTESVILLE, VA 22903 |
* | $ 32,364,000 | 8 | $ 1,520,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 7 | $ 1,981,000 |
| Uva Community Credit Union 3300 BERKMAR DRIVE CHARLOTTESVILLE, VA 22901 |
* | $ 394,486,000 | 7 | $ 241,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 6 | $ 1,193,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 6 | $ 1,224,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,164,000 |
| Mason Dixon Funding Inc 800 KING FARM BLVD, STE 210A ROCKVILLE, MD 20850 |
* | $ 10,000,000 | 6 | $ 1,105,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 6 | $ 1,319,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 5 | $ 1,003,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 1,165,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 5 | $ 1,082,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 4 | $ 532,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 4 | $ 553,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 4 | $ 685,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 704,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 762,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 483,000 |
| First Savings Mortgage Corporation 8444 WEST PARK DRIVE, THE 4TH FLOOR MCLEAN, VA 22102 |
* | $ 10,000,000 | 3 | $ 635,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 3 | $ 577,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 926,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 577,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 3 | $ 692,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 766,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 3 | $ 743,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,614,682,000 | 3 | $ 382,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 362,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DR. VERNON HILLS, IL 60061 |
* | $ 36,000,000 | 2 | $ 437,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 2 | $ 608,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 392,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 2 | $ 324,000 |
| Acacia Federal Savings Bank 7600 LEESBURG PIKE, SUITE 200 E FALLS CHURCH, VA 22043 |
* | $ 1,526,130,000 | 2 | $ 243,000 |
| Lendmark Mortgage and Finance 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 2 | $ 76,000 |
| Southern Trust Mortgage LLC 4433 CORPORATION LANE, SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ 935,253,000 | 2 | $ 325,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 2 | $ 723,000 |
| Synergy One Financial Services 9393 FORESTWOOD LANE MANASSAS, VA 20110 |
* | $ 154,264,000 | 2 | $ 251,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Gms Funding, LLC 824 MEETING STREET WEST COLUMBIA, SC 29169 |
* | $ 417,745,000 | 2 | $ 672,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 394,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Myers Park Mortgage 141 PROVIDENCE RD CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 2 | $ 258,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 316,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 317,000 |
| Mid-Island Mortgage Corp. 900 MERCHANTS CONCOURSE, SUITE #112 WESTBURY, NY 11590 |
* | $ 10,000,000 | 2 | $ 275,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 440,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 673,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 487,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 188,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 241,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 1 | $ 211,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 160,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 400,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 243,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 296,000 |
| Superior Mortgage Corp. 854 S WHITE HORSE PIKE HAMMONTON, NJ 08037 |
* | $ 10,000,000 | 1 | $ 143,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 209,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 217,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Evb Mortgage LLC 4433 CORPORATION LANE #300 VIRGINIA BEACH, VA 23462 |
* | $ 176,555,000 | 1 | $ 485,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,033,806,000 | 1 | $ 65,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 1 | $ 144,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 1 | $ 103,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA, MD 20814 |
* | $ 16,022,456,000 | 1 | $ 214,000 |
| Pioneer Bank P O BOX 10 252 EAST MAIN ST STANLEY, VA 22851 |
* | $ 152,954,000 | 1 | $ 353,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ 4,169,787,000 | 1 | $ 105,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 1 | $ 122,000 |
| Sandy Spring Bank 6831 BENJAMIN FRANKIN DRIVE COLUMBIA, MD 21046 |
* | $ 3,308,538,000 | 1 | $ 298,000 |
| Mainstreet Bank 10089 FAIRFAX BLVD FAIFAX, VA 22030 |
* | $ 187,373,000 | 1 | $ 415,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,033,806,000 | 1 | $ 168,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 213,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 380,000 |
| First National Bank of Cc P.O. BOX 523 WEST CHESTER, PA 19381 |
* | $ 1,297,208,000 | 1 | $ 117,000 |
| Rappahannock National Bank P O BOX 940 RUTHER GLEN, VA 22546 |
* | $ 176,831,000 | 1 | $ 100,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 202,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 100,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 93,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 39,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 1 | $ 88,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 215,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 117,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 427,899,000 | 1 | $ 298,000 |
| Presidential Bank, F.S.B. 4600 EAST-WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ 564,298,000 | 1 | $ 269,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 141,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 117,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 1 | $ 329,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 1 | $ 271,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 135,687,000 | 1 | $ 282,000 |
| Regal Bank & Trust 11436 CRONHILL DRIVE, SUITE 1 OWINGS MILLS, MD 21117 |
* | $ 169,324,000 | 1 | $ 338,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 616,230,000 | 1 | $ 364,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ 1,699,507,000 | 1 | $ 417,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 258,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 131,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 1,845,089,000 | 1 | $ 90,000 |
| Nrl Federal Credit Union 5440 CHEROKEE AVE SUITE 200 ALEXANDRIA, VA 22312 |
* | $ 372,740,000 | 1 | $ 160,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 1,686,491,000 | 1 | $ 254,000 |
| Bank Fund Staff Federal Credit 1725 I STREET NW SUITE 150 WASHINGTON, DC 20006 |
* | $ 2,576,167,000 | 1 | $ 320,000 |
| Partners Financial Federal C U 1200 NEW YORK AVENUE GLEN ALLEN, VA 23060 |
* | $ 73,533,000 | 1 | $ 195,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 205,409,000 | 1 | $ 305,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 650,724,000 | 1 | $ 250,000 |
The tables below break down 2009 mortgage applications in Madison County, VA 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, VA in 2009
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 | 657 | $128,509,000 | $195,000 | $935,000 | $81,000 | $2,704,000 |
| Home Purchase | 127 | $23,440,000 | $184,000 | $485,000 | $75,000 | $473,000 |
| Home Improvement | 50 | $3,952,000 | $79,000 | $417,000 | $65,000 | $305,000 |
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 | 571 | $106,954,000 | $187,000 | $770,000 | $79,000 | $2,400,000 |
| Not Provided | 146 | $30,371,000 | $208,000 | $935,000 | $100,000 | $2,704,000 |
| Not applicable | 64 | $11,196,000 | $174,000 | $480,000 | $56,000 | $530,000 |
| Black or African American | 47 | $6,515,000 | $138,000 | $300,000 | $50,000 | $125,000 |
| Hispanic | 6 | $865,000 | $144,000 | $156,000 | $37,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 651 | $121,847,000 | $187,000 | $935,000 | $88,000 | $2,704,000 |
| FHA-insured (Federal Housing Administration) | 146 | $26,986,000 | $184,000 | $505,000 | $49,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,706,000 | $224,000 | $298,000 | $55,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $2,362,000 | $147,000 | $184,000 | $40,000 | $62,000 |
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 | $65,753,000 | $181,000 | $935,000 | $90,000 | $2,704,000 |
| Application Denied By Financial Institution | 178 | $34,317,000 | $192,000 | $770,000 | $71,000 | $575,000 |
| Loan Purchased By The Institution | 149 | $26,897,000 | $180,000 | $480,000 | $65,000 | $530,000 |
| Application Withdrawn By Applicant | 95 | $19,375,000 | $203,000 | $527,000 | $74,000 | $261,000 |
| Application Approved But Not Accepted | 30 | $5,397,000 | $179,000 | $417,000 | $81,000 | $407,000 |
| File Closed For Incompleteness | 20 | $4,162,000 | $208,000 | $380,000 | $67,000 | $171,000 |
| 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 | 45 | $10,378,000 | $230,000 | $417,000 | $102,000 | $575,000 |
| Debt-To-Income Ratio | 32 | $6,006,000 | $187,000 | $455,000 | $57,000 | $297,000 |
| Credit History | 18 | $1,946,000 | $108,000 | $770,000 | $58,000 | $211,000 |
| Credit Application Incomplete | 12 | $2,490,000 | $207,000 | $417,000 | $58,000 | $111,000 |
| Other | 10 | $1,959,000 | $195,000 | $417,000 | $92,000 | $370,000 |
| Unverifiable Information | 3 | $751,000 | $250,000 | $281,000 | $82,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $689,000 | $344,000 | $417,000 | $107,000 | $164,000 |
| Mortgage Insurance Denied | 1 | $100,000 | $100,000 | $100,000 | $12,000 | $12,000 |
| Employment History | 1 | $197,000 | $197,000 | $197,000 | $89,000 | $89,000 |
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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