Massac County, IL Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 584 mortgage applications in Massac County, IL totaling $42.3 million, down 23% from 2005. The average application was for $72,000, and applicants reported an average income of $51,000. 35% of applications resulted in an originated loan and 33% were denied. The most active lender was Countrywide Home Loans, with 51 applications, followed by Regions Bank and US Bank North Dakota.
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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 | 584 |
| Total Mortgage Loan Application Amount | $42,336,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $519,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $440,000 |
* 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 |
|---|---|---|---|---|
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 51 | $ 3,885,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 81,074,402,000 | 40 | $ 3,325,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,900,290,000 | 23 | $ 939,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 22 | $ 1,674,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 21 | $ 2,162,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 20 | $ 1,404,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 18 | $ 961,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 18 | $ 1,527,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,701,269,000 | 18 | $ 493,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 17 | $ 1,045,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 16,981,282,000 | 15 | $ 882,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 15 | $ 1,297,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 15 | $ 1,565,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 538,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 11 | $ 641,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 9 | $ 532,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 9 | $ 733,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 9 | $ 600,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 9 | $ 646,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 8 | $ 934,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 8 | $ 631,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 240,529,000 | 8 | $ 327,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 7 | $ 554,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,960,716,000 | 7 | $ 366,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 7 | $ 414,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 3,387,027,000 | 7 | $ 613,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 22,481,092,000 | 7 | $ 477,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 6 | $ 441,000 |
| Intervale Mortgage 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 203,824,000 | 6 | $ 452,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 6 | $ 308,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 230,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 5 | $ 623,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 403,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000,000 | 5 | $ 210,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 262,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 4 | $ 489,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,329,271,000 | 4 | $ 129,000 |
| Midcountry Bank 2611 BLUE HERON DR. MARION, IL 62959 |
* | $ 789,014,000 | 4 | $ 138,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 2,429,481,000 | 3 | $ 296,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 138,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 3 | $ 298,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 12,218,679,000 | 3 | $ 110,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 3 | $ 251,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 3 | $ 210,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 212,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 114,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 2 | $ 107,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 127,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 804,628,000 | 2 | $ 12,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 71,060,868,000 | 2 | $ 219,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 150,679,481,000 | 2 | $ 158,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 2 | $ 213,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 126,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 2 | $ 191,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 256,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 2 | $ 97,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 2 | $ 93,000 |
| Gershman Investment Corp. 7 N. BEMISTON ST. LOUIS, MO 63105 |
* | $ 31,000,000 | 2 | $ 267,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 2 | $ 145,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 2 | $ 365,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 2 | $ 115,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 2 | $ 124,000 |
| M&T Mortgage Corporation 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 54,391,344,000 | 2 | $ 114,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 2 | $ 161,000 |
| Wells Fargo Fin'l Illinois Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 110,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 151,727,000 | 2 | $ 277,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 11,315,543,000 | 2 | $ 153,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 2 | $ 193,000 |
| Security Savings Bank, FSB 11599 RIDGEVIEW RD OLATHE, KS 66061 |
* | $ 850,965,000 | 2 | $ 258,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 19,653,232,000 | 2 | $ 142,000 |
| Citizens Bank of Massachusetts 28 STATE STREET BOSTON, MA 02109 |
* | $ 34,500,279,000 | 1 | $ 77,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 590,926,000 | 1 | $ 162,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 115,874,000 | 1 | $ 149,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 547,323,000 | 1 | $ 23,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 81,074,402,000 | 1 | $ 176,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 60,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 32,414,250,000 | 1 | $ 80,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 8,340,413,000 | 1 | $ 6,000 |
| Irwin Home Equity Corporation 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 6,179,872,000 | 1 | $ 30,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 83,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,753,483,000 | 1 | $ 125,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,323,181,000 | 1 | $ 66,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 112,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 10,089,076,000 | 1 | $ 1,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 160,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 58,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 24,644,357,000 | 1 | $ 100,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 40,000 |
| Meritage Mortgage Corporation 4901 BELFORT ROAD, SUITE 160 JACKSONVILLE, FL 32256 |
* | $ 331,410,000 | 1 | $ 50,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 2,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Paragon Financial Mortgage 30071 TOMAS RANCHO SANTA MARGARITA, CA 92688 |
* | $ 175,085,370,000 | 1 | $ 154,000 |
| Castle Point Mortgage, Inc. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 1 | $ 50,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 138,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 66,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 144,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 24,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 7,093,902,000 | 1 | $ 173,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,292,580,000 | 1 | $ 68,000 |
| First National Bank 101 DIXIE HIGHWAY CHICAGO HEIGHTS, IL 60411 |
* | $ 495,438,000 | 1 | $ 45,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 1,963,333,000 | 1 | $ 50,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 176,579,000 | 1 | $ 74,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 179,000 |
| Sirva Mortgage, Inc. 6070 PARKLAND BLVD. MAYFIELD HEIGHTS, OH 44124 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 79,000 |
| Real Estate Mortgage Corp 20325 CENTER RIDGE RD., #220 ROCKY RIVER, OH 44116 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 55,000 |
The tables below break down 2006 mortgage applications in Massac County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Massac County, IL in 2006
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 | 273 | $21,464,000 | $78,000 | $240,000 | $53,000 | $396,000 |
| Home Purchase | 254 | $18,907,000 | $74,000 | $519,000 | $51,000 | $440,000 |
| Home Improvement | 57 | $1,965,000 | $34,000 | $151,000 | $46,000 | $137,000 |
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 | 388 | $27,420,000 | $70,000 | $220,000 | $55,000 | $440,000 |
| Not Provided | 115 | $8,935,000 | $77,000 | $519,000 | $52,000 | $300,000 |
| Not applicable | 45 | $2,987,000 | $66,000 | $173,000 | $14,000 | $101,000 |
| Black or African American | 22 | $1,770,000 | $80,000 | $200,000 | $43,000 | $80,000 |
| Hispanic | 7 | $555,000 | $79,000 | $131,000 | $46,000 | $79,000 |
| Asian | 5 | $534,000 | $106,000 | $173,000 | $105,000 | $191,000 |
| American Indian or Alaskan Native | 2 | $135,000 | $67,000 | $80,000 | $37,000 | $42,000 |
| 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) | 536 | $38,880,000 | $72,000 | $519,000 | $53,000 | $440,000 |
| FHA-insured (Federal Housing Administration) | 39 | $2,891,000 | $74,000 | $133,000 | $40,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 5 | $327,000 | $65,000 | $112,000 | $25,000 | $63,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $238,000 | $59,000 | $88,000 | $15,000 | $24,000 |
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 | 202 | $15,063,000 | $74,000 | $222,000 | $65,000 | $440,000 |
| Application Denied By Financial Institution | 191 | $12,421,000 | $65,000 | $185,000 | $45,000 | $440,000 |
| Loan Purchased By The Institution | 77 | $5,357,000 | $69,000 | $176,000 | $31,000 | $248,000 |
| Application Withdrawn By Applicant | 58 | $5,442,000 | $93,000 | $519,000 | $53,000 | $300,000 |
| Application Approved But Not Accepted | 43 | $2,745,000 | $63,000 | $220,000 | $52,000 | $243,000 |
| File Closed For Incompleteness | 13 | $1,308,000 | $100,000 | $179,000 | $45,000 | $106,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 48 | $3,254,000 | $67,000 | $185,000 | $44,000 | $114,000 |
| Other | 26 | $1,762,000 | $67,000 | $185,000 | $52,000 | $147,000 |
| Collateral | 18 | $879,000 | $48,000 | $105,000 | $78,000 | $440,000 |
| Debt-To-Income Ratio | 14 | $773,000 | $55,000 | $113,000 | $32,000 | $66,000 |
| Credit Application Incomplete | 13 | $850,000 | $65,000 | $119,000 | $39,000 | $96,000 |
| Unverifiable Information | 3 | $289,000 | $96,000 | $149,000 | $33,000 | $48,000 |
| Employment History | 2 | $139,000 | $69,000 | $85,000 | $27,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $58,000 | $58,000 | $58,000 | $20,000 | $20,000 |
| 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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