Marshall County, MS Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,280 mortgage applications in Marshall County, MS totaling $131.5 million, down 2% from 2017. The average application was for $102,000, and applicants reported an average income of $69,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was Bank of Holly Springs, with 115 applications, followed by 21st Mortgage and Citizens 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 1,280
Total Mortgage Loan Application Amount $131,460,000
Average Mortgage Loan Application Amount $102,000
Highest Mortgage Loan Application Amount $1,195,000
Average Applicant Income $69,000
Highest Applicant Income $2,093,000

Mortgage Company List for Lending in Marshall County, MS 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
Bank of Holly Springs
970 HIGHWAY 7 SOUTH
HOLLY SPRINGS, MS 38635
* $ 207,355,000 115 $ 5,425,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 94 $ 7,040,000
Citizens Bank
8077 HWY 178, P.O. BOX 667
BYHALIA, MS 38611
* $ 72,382,000 85 $ 3,725,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 15,308,454,000 52 $ 6,230,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 9,805,580,000 51 $ 5,165,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 50 $ 4,760,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 49 $ 3,475,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 44 $ 6,750,000
First State Bank
P O BOX 580
HOLLY SPRINGS, MS 38635
* $ 116,187,000 34 $ 2,560,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 31 $ 3,105,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 29 $ 2,125,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 25 $ 2,185,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ -1,000 22 $ 3,810,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ 13,795,627,000 20 $ 2,000,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 18 $ 1,530,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 371,191,000 18 $ 2,190,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 1,845,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ 927,259,000 15 $ 2,075,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 1,760,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 13 $ 1,825,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 13 $ 1,905,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 22,081,233,000 13 $ 1,595,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 12 $ 1,900,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 12 $ 1,020,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ -1,000 12 $ 1,700,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 1,895,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 11 $ 1,025,000
Merchants & Farmers Bank
650 HWY 7 SOUTH
HOLLY SPRINGS, MS 38635
* $ 98,310,000 10 $ 1,120,000
First Security Bank
P.O. BOX 690
BATESVILLE, MS 38606
* $ 558,115,000 9 $ 445,000
The Bank of Fayette County
1265 HWY 57 EAST
COLLIERVILLE, TN 38017
* $ 551,763,000 9 $ 1,055,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,405,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 9 $ 655,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 1,155,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 472,374,000 9 $ 1,245,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 525,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 2,695,108,000 9 $ 1,325,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 27,823,771,000 9 $ 1,225,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 41,201,025,000 9 $ 555,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 8 $ 1,390,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 8 $ 1,000,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 7 $ 545,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 1,095,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 645,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,210,000
Sycamore Bank
301 EAST MAIN STREET
SENATOBIA, MS 38668
* $ 220,770,000 6 $ 400,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 6 $ 630,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 5 $ 805,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 5 $ 915,000
Independent Bank
5050 POPLAR AVENUE STE 2100
MEMPHIS, TN 38157
* $ 1,004,867,000 5 $ 475,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 5 $ 745,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 5 $ 765,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 5 $ 435,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 5 $ 445,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 520,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 610,000
Orion Federal Credit Union
7845 HIGHWAY 64
MEMPHIS, TN 38103
* $ 715,160,000 4 $ 520,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 4 $ 330,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 370,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 4 $ 260,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 330,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 4 $ 400,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 385,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 3 $ 125,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 345,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 3 $ 475,000
Bartlett Mortgage Inc.
2860 STAGE VILLAGE COVE
BARTLETT, TN 38133
* $ -1,000 3 $ 465,000
Memphis City Employees Credit Union
2678 MT. MORIAH TERRACE COVE
MEMPHIS, TN 38115
* $ 285,603,000 3 $ 185,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 265,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 3 $ 275,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 215,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 335,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 665,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 555,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 3 $ 415,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 722,208,000 3 $ 455,000
Banktennessee
1125 WEST POPLAR AVENUE
COLLIERVILLE, TN 38017
* $ 308,179,000 2 $ 200,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 2 $ 230,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 10,932,664,000 2 $ 140,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 2 $ 250,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 2 $ 380,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 2 $ 290,000
Patriot Bank
8376 HIGHWAY 51 N
MILLINGTON, TN 38053
* $ 326,055,000 2 $ 210,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 2 $ 240,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 230,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 2 $ 450,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 260,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 200,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 320,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 160,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 210,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ -1,000 2 $ 230,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 2 $ 330,000
First South Financial Federal Credit Union
6471 STAGE RD, STE 101
BARTLETT, TN 38134
* $ 550,644,000 2 $ 130,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 240,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 290,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 2 $ 270,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 2 $ 280,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 450,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 280,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 14,461,396,000 2 $ 250,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 285,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 185,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 1 $ 95,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 225,000
Guaranty Bank & Trust Company
210 N. HAYDEN STREET
BELZONI, MS 39038
* $ 810,114,000 1 $ 5,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 225,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 95,000
Sterling Bank
P O BOX 460, 1100 STERLING DRIVE
POPLAR BLUFF, MO 63902
* $ 1,265,123,000 1 $ 1,195,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 145,000
American Home Lending USA, LLC
230 S BUCHANAN ST, STE A
EDWARDSVILLE, IL 62025
* $ -1,000 1 $ 175,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 1 $ 135,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 1,377,846,000 1 $ 45,000
Story Bank dba Story Financial Partners
1300 MEADOWBROOK ROAD
JACKSON, MS 39211
* $ 394,494,000 1 $ 115,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 1 $ 205,000
BNC National Bank

BISMARCK, ND 58501
* $ 945,013,000 1 $ 185,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 225,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 1 $ 125,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 415,000
Liberty Bank
6600 PLAZA DRIVE
NEW ORLEANS, LA 70127
* $ 605,578,000 1 $ 85,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 55,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 155,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 65,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 125,000
Grand Bank for Savings, FSB
204 WESTOVER DRIVE
HATTIESBURG, MS 39404
* $ 73,481,000 1 $ 95,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 215,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ 61,357,000 1 $ 195,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 1 $ 255,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 185,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 45,000
First South Farm Credit, Aca
260 TRACE COLONY PARK DR
RIDGELAND, MS 39157
* $ -1,000 1 $ 255,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 185,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 1 $ 105,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 116,993,000 1 $ 455,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 125,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 205,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 135,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 155,000
Citizens National Bank of Meridian
512 22ND AVENUE
MERIDIAN, MS 39302
* $ 1,331,493,000 1 $ 95,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 25,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 953,120,000 1 $ 115,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 125,000
1st Franklin Financial Corporation
135 E. TUGALO ST.
TOCCOA, GA 30577
* $ -1,000 1 $ 65,000
Southern Security Federal Credit Union
765 W POPLAR AVE
COLLIERVILLE, TN 38017
* $ 154,810,000 1 $ 5,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 85,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 105,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 125,000

The tables below break down 2018 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 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 670 $75,790,000 $113,000 $1,195,000 $65,000 $720,000
Refinancing 219 $23,525,000 $107,000 $525,000 $83,000 $2,093,000
Cash-out Refinancing 191 $19,715,000 $103,000 $355,000 $63,000 $1,035,000
Home Improvement 93 $4,815,000 $51,000 $285,000 $68,000 $290,000
Other Purpose 85 $5,745,000 $67,000 $285,000 $75,000 $541,000
Not Applicable 22 $1,870,000 $85,000 $175,000 $27,000 $33,000

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 705 $73,515,000 $104,000 $405,000 $74,000 $2,093,000
Black or African American 385 $33,865,000 $87,000 $455,000 $58,000 $720,000
Not applicable 87 $12,265,000 $140,000 $1,195,000 $58,000 $82,000
Not Provided 64 $7,530,000 $117,000 $315,000 $78,000 $297,000
Hispanic 32 $3,410,000 $106,000 $195,000 $57,000 $143,000
American Indian or Alaskan Native 4 $410,000 $102,000 $125,000 $47,000 $69,000
Asian 1 $215,000 $215,000 $215,000 $80,000 $80,000
Native Hawaiian or Other Pacific Islander 1 $95,000 $95,000 $95,000 $37,000 $37,000

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) 941 $85,465,000 $90,000 $1,195,000 $72,000 $2,093,000
FHA-insured (Federal Housing Administration) 200 $25,370,000 $126,000 $295,000 $58,000 $201,000
VA-guaranteed (Veterans Administration) 78 $13,160,000 $168,000 $415,000 $61,000 $132,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 61 $7,465,000 $122,000 $215,000 $44,000 $76,000

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 635 $62,405,000 $98,000 $1,195,000 $69,000 $356,000
Application Denied By Financial Institution 316 $27,050,000 $85,000 $285,000 $65,000 $2,093,000
Application Withdrawn By Applicant 120 $16,050,000 $133,000 $455,000 $86,000 $1,035,000
Loan Purchased By The Institution 117 $16,455,000 $140,000 $415,000 $74,000 $160,000
File Closed For Incompleteness 61 $6,315,000 $103,000 $395,000 $55,000 $166,000
Application Approved But Not Accepted 30 $3,130,000 $104,000 $285,000 $60,000 $191,000
Preapproval Approved but not Accepted 1 $55,000 $55,000 $55,000 $32,000 $32,000
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 762 $93,230,000 $122,000 $1,195,000 $70,000 $600,000
Debt-To-Income Ratio 296 $18,440,000 $62,000 $285,000 $68,000 $2,093,000
Credit History 129 $10,585,000 $82,000 $285,000 $70,000 $720,000
Collateral 31 $2,905,000 $93,000 $255,000 $65,000 $160,000
Credit Application Incomplete 20 $2,530,000 $126,000 $215,000 $56,000 $100,000
Unverifiable Information 18 $1,640,000 $91,000 $215,000 $50,000 $80,000
Other 17 $1,665,000 $97,000 $235,000 $70,000 $239,000
Insufficient Cash (Downpayment, Closing Cost) 5 $275,000 $55,000 $85,000 $56,000 $105,000
Employment History 2 $190,000 $95,000 $115,000 $76,000 $109,000
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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