Marshall County, MS Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,759 mortgage applications in Marshall County, MS totaling $367.4 million, up 3% from 2024. The average application was for $208,000, and applicants reported an average income of $90,000. 48% of applications resulted in an originated loan and 18% were denied. The most active lender was DHI Mortgage Company, Ltd., with 205 applications, followed by Bank of Holly Springs and 21st Mortgage.

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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 1,759
Total Mortgage Loan Application Amount $367,425,000
Average Mortgage Loan Application Amount $208,000
Highest Mortgage Loan Application Amount $13,355,000
Average Applicant Income $90,000
Highest Applicant Income $998,000

Mortgage Company List for Lending in Marshall County, MS for 2025

* 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
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 205 $ 55,575,000
Bank of Holly Springs
970 HIGHWAY 7 SOUTH
HOLLY SPRINGS, MS 38635
* $ n/a 133 $ 13,005,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 126 $ 17,510,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 91 $ 24,345,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 56 $ 6,990,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 51 $ 7,445,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 49 $ 7,485,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 45 $ 4,945,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 39 $ 9,915,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 36 $ 7,210,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 35 $ 6,805,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 33 $ 9,765,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 32 $ 7,960,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ n/a 31 $ 9,685,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 25 $ 7,225,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ n/a 24 $ 4,540,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 22 $ 5,560,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 22 $ 3,100,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 21 $ 4,615,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 20 $ 2,920,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 19 $ 6,125,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 17 $ 3,345,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 16 $ 3,270,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 15 $ 4,795,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 15 $ 3,575,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 15 $ 3,105,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ n/a 14 $ 2,610,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 14 $ 3,070,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 14 $ 3,470,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 13 $ 2,205,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 12 $ 2,200,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 12 $ 1,210,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 12 $ 2,190,000
The Bank of Fayette County
1265 HWY 57 EAST
COLLIERVILLE, TN 38017
* $ n/a 11 $ 1,835,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ n/a 10 $ 2,040,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 10 $ 2,080,000
First Security Bank
P.O. BOX 690
BATESVILLE, MS 38606
* $ n/a 10 $ 1,720,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 9 $ 2,555,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 9 $ 2,105,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 9 $ 2,025,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 9 $ 2,565,000
Guaranty Bank & Trust Company
210 N. HAYDEN STREET
BELZONI, MS 39038
* $ n/a 8 $ 2,300,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,190,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 600,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ n/a 8 $ 1,970,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 7 $ 1,515,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 7 $ 1,715,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 7 $ 485,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 7 $ 665,000
Bankfirst Financial Services
PO BOX 31
MACON, MS 39341
* $ n/a 6 $ 430,000
Bank of Bartlett
6281 STAGE RD
BARTLETT, TN 38133
* $ n/a 6 $ 990,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 6 $ 1,170,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 6 $ 1,380,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 450,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 395,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 1,835,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 5 $ 1,155,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 5 $ 1,115,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 5 $ 735,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 4 $ 980,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 4 $ 1,260,000
Bartlett Mortgage Inc.
2860 STAGE VILLAGE COVE
BARTLETT, TN 38133
* $ n/a 4 $ 1,650,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 340,000
First South Financial Federal Credit Union
6471 STAGE RD, STE 101
BARTLETT, TN 38134
* $ n/a 4 $ 450,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 4 $ 1,350,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 4 $ 810,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 4 $ 950,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ n/a 4 $ 760,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 4 $ 640,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 4 $ 890,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 4 $ 610,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 520,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 3 $ 785,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 615,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 1,085,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 355,000
Memphis City Employees Credit Union
2678 MT. MORIAH TERRACE COVE
MEMPHIS, TN 38115
* $ n/a 3 $ 525,000
Patriot Bank
8376 HIGHWAY 51 N
MILLINGTON, TN 38053
* $ n/a 3 $ 805,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 535,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 925,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 3 $ 1,025,000
Directions Equity, LLC
2915 W BITTERS RD #102
SAN ANTONIO, TX 78248
* $ n/a 3 $ 875,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ n/a 3 $ 875,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 325,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 3 $ 385,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 3 $ 645,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 675,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 3 $ 635,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ n/a 3 $ 615,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ n/a 3 $ 505,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 2 $ 500,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 2 $ 530,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 2 $ 450,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ n/a 2 $ 690,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 2 $ 410,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 2 $ 310,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 380,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 120,000
Banktennessee
1125 WEST POPLAR AVENUE
COLLIERVILLE, TN 38017
* $ n/a 2 $ 170,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 540,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 2 $ 840,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 420,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 2 $ 340,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 2 $ 510,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ n/a 1 $ 13,355,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 1 $ 5,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 1 $ 265,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 575,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 285,000
First Citizens National Bank

NEWARK, OH 43055
* $ n/a 1 $ 445,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ n/a 1 $ 565,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 195,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 155,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 215,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 235,000
Citizens Bank and Trust Co
PO BOX 992
VIVIAN, LA 71082
* $ n/a 1 $ 275,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 1 $ 15,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 95,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 155,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ n/a 1 $ 75,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 195,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 105,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 375,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 1 $ 205,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 345,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 1 $ 365,000
Valley West Corporation
8010 W SAHARA AVE SUITE #140
LAS VEGAS, NV 89117
* $ n/a 1 $ 325,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 105,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 285,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 1 $ 225,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ n/a 1 $ 105,000
American Mortgage Services Inc
171 WESLEY REED
ATOKA, TN 38004
* $ n/a 1 $ 195,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 35,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ n/a 1 $ 385,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 95,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ n/a 1 $ 275,000
Colorado Federal Savings Bank
8400 E PRENTICE AVE STE 840
ENGLEWOOD, CO 80111
* $ n/a 1 $ 285,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 175,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 155,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ n/a 1 $ 65,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 195,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ n/a 1 $ 635,000
Story Bank dba Story Financial Partners
1300 MEADOWBROOK ROAD
JACKSON, MS 39211
* $ n/a 1 $ 265,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 35,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ n/a 1 $ 105,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 45,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 455,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 165,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ n/a 1 $ 145,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 25,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 1 $ 405,000
Planters Bank and Trust Company
P. O. BOX 31
INDIANOLA, MS 38751
* $ n/a 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 75,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 385,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 385,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 165,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 1 $ 145,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 85,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 1 $ 345,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 125,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 1 $ 295,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 305,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ n/a 1 $ 55,000

The tables below break down 2025 mortgage applications in Marshall County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Marshall County, MS in 2025

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 1,046 $251,260,000 $240,000 $13,355,000 $89,000 $672,000
Cash-out Refinancing 244 $41,120,000 $168,000 $715,000 $82,000 $334,000
Refinancing 235 $57,105,000 $243,000 $775,000 $108,000 $998,000
Other Purpose 131 $9,805,000 $74,000 $405,000 $92,000 $300,000
Home Improvement 96 $7,270,000 $75,000 $565,000 $86,000 $400,000
Not Applicable 7 $865,000 $123,000 $275,000 $0 $0

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 743 $143,985,000 $193,000 $735,000 $98,000 $998,000
Black or African American 501 $90,705,000 $181,000 $775,000 $80,000 $495,000
Not applicable 203 $66,335,000 $326,000 $13,355,000 $97,000 $205,000
Not Provided 176 $36,800,000 $209,000 $1,005,000 $84,000 $331,000
Hispanic 111 $24,355,000 $219,000 $485,000 $91,000 $400,000
Asian 17 $3,695,000 $217,000 $565,000 $75,000 $179,000
American Indian or Alaskan Native 7 $1,015,000 $145,000 $265,000 $85,000 $158,000
Native Hawaiian or Other Pacific Islander 1 $535,000 $535,000 $535,000 $228,000 $228,000

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) 1,072 $182,060,000 $169,000 $13,355,000 $93,000 $998,000
FHA-insured (Federal Housing Administration) 457 $114,835,000 $251,000 $535,000 $79,000 $408,000
VA-guaranteed (Veterans Administration) 172 $56,760,000 $330,000 $1,005,000 $103,000 $331,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 58 $13,770,000 $237,000 $375,000 $77,000 $108,000

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 839 $189,065,000 $225,000 $13,355,000 $98,000 $625,000
Application Denied By Financial Institution 316 $49,490,000 $156,000 $605,000 $74,000 $998,000
Loan Purchased By The Institution 192 $52,600,000 $273,000 $715,000 $110,000 $369,000
Application Withdrawn By Applicant 187 $40,385,000 $215,000 $725,000 $88,000 $672,000
File Closed For Incompleteness 149 $24,695,000 $165,000 $755,000 $78,000 $400,000
Application Approved But Not Accepted 76 $11,190,000 $147,000 $565,000 $91,000 $449,000
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 1,292 $300,710,000 $232,000 $13,355,000 $94,000 $672,000
Debt-To-Income Ratio 257 $35,065,000 $136,000 $675,000 $79,000 $495,000
Credit History 100 $13,370,000 $133,000 $405,000 $83,000 $998,000
Credit Application Incomplete 37 $5,855,000 $158,000 $565,000 $83,000 $320,000
Collateral 27 $3,555,000 $131,000 $605,000 $87,000 $416,000
Other 16 $2,590,000 $161,000 $375,000 $82,000 $334,000
Unverifiable Information 16 $3,310,000 $206,000 $565,000 $55,000 $99,000
Insufficient Cash (Downpayment, Closing Cost) 11 $2,585,000 $235,000 $385,000 $102,000 $240,000
Employment History 3 $385,000 $128,000 $235,000 $29,000 $87,000
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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