McIntosh County, GA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 844 mortgage applications in McIntosh County, GA totaling $149.8 million, up 36% from 2019. The average application was for $177,000, and applicants reported an average income of $97,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was Southeastern Bank, with 60 applications, followed by 21st Mortgage and Vanderbilt Mortgage and Finance, 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 844
Total Mortgage Loan Application Amount $149,810,000
Average Mortgage Loan Application Amount $177,000
Highest Mortgage Loan Application Amount $1,055,000
Average Applicant Income $97,000
Highest Applicant Income $1,659,000

Mortgage Company List for Lending in McIntosh County, GA for 2020

* 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
Southeastern Bank
1010 NORTH WAY, POST OFFICE BOX 455
DARIEN, GA 31305
* $ 455,282,000 60 $ 9,020,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 60 $ 5,960,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 41 $ 4,395,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 30 $ 5,740,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 29 $ 5,515,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 5,030,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 23 $ 4,115,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 18 $ 3,270,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 17 $ 2,495,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 15 $ 1,835,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 18,156,981,000 14 $ 3,010,000
Heritage Southeast Bank
101 NORTH MAIN STREET, P.O. BOX 935
JONESBORO, GA 30236
* $ 1,336,835,000 13 $ 1,045,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 12 $ 3,230,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 2,395,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 2,540,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 2,120,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ -1,000 10 $ 1,650,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 2,030,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 10 $ 2,340,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 9 $ 1,485,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 12,887,120,000 9 $ 1,355,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 9 $ 975,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,575,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 8 $ 1,480,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 8 $ 2,040,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,305,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 7 $ 675,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 7 $ 1,255,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 7 $ 1,135,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,060,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 1,210,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,070,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 5 $ 1,705,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 5 $ 815,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 815,000
Marshland Credit Union
3650 COMMUNITY ROAD
BRUNSWICK, GA 31520
* $ 148,211,000 5 $ 575,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 5 $ 975,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 48,103,435,000 4 $ 2,080,000
Glennville Bank
P.O. BOX 278
GLENNVILLE, GA 30427
* $ 260,071,000 4 $ 250,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 450,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 4 $ 1,110,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 4 $ 1,070,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 940,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 4 $ 480,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 4 $ 780,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 850,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 4 $ 460,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 800,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 3 $ 725,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 565,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 3 $ 1,235,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 3 $ 185,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 465,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 3 $ 815,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 3 $ 295,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 3 $ 445,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 945,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 555,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 3 $ 605,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 555,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 3 $ 455,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 3 $ 405,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 995,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 765,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 285,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 465,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 2 $ 330,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 240,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 320,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 290,000
Southeast Mortgage of Georgia, Inc.
3575 KOGER BLVD. SUITE 400
DULUTH, GA 30096
* $ -1,000 2 $ 510,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 2 $ 130,000
Primesouth Bank
P O BOX 189
BLACKSHEAR, GA 31516
* $ 685,696,000 2 $ 200,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 1,414,020,000 2 $ 440,000
Geovista Credit Union
POST OFFICE BOX 132
HINESVILLE, GA 31313
* $ 147,815,000 2 $ 370,000
Exchange Bank
PO BOX 580
MILLEDGEVILLE, GA 31059
* $ 259,367,000 2 $ 560,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 2 $ 430,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 2 $ 540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 260,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 620,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 360,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 540,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 2 $ 480,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 2 $ 260,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 2 $ 400,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ -1,000 2 $ 330,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 2 $ 120,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 500,000
Tampa Bay Federal Credit Union
PO BOX 7492
TAMPA, FL 33603
* $ 321,876,000 2 $ 160,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 175,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 45,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 2,494,603,000 1 $ 125,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ 1,511,400,000 1 $ 295,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ -1,000 1 $ 115,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 195,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 605,000
Planters First Bank
1620 E 16TH AVE
CORDELE, GA 31015
* $ 310,555,000 1 $ 95,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 135,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 125,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 175,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 796,073,000 1 $ 65,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 75,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 135,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 809,155,000 1 $ 45,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 255,000
Loanleaders of America, Inc
38 EXECUTIVE PARK, SUITE 260
IRVINE, CA 92614
* $ -1,000 1 $ 275,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ -1,000 1 $ 175,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 195,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 17,136,249,000 1 $ 245,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 1 $ 75,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ 1,510,787,000 1 $ 155,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 215,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 145,000
Acu
P.O. BOX 923028
PEACHTREE CORNERS, GA 30092
* $ 1,608,214,000 1 $ 205,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 225,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 1 $ 115,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 75,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 187,526,000 1 $ 605,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 105,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 65,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 15,917,423,000 1 $ 65,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 405,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 375,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 185,000
Fairwinds Credit Union
3087 N. ALAFAYA TRAIL
ORLANDO, FL 32826
* $ 2,670,383,000 1 $ 35,000
South Georgia Bank
401 S. VETERANS BLVD.
GLENNVILLE, GA 30427
* $ 163,406,000 1 $ 155,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 493,429,000 1 $ 45,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ 812,750,000 1 $ 255,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 275,000
Family Savings Credit Union
711 E MEIGHAN BLVD
RAINBOW CITY, AL 35906
* $ 434,578,000 1 $ 405,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 325,000
Lending 3, Inc
17220 NEWHOPE ST. SUITE 213
FOUNTAIN VALLEY, CA 92708
* $ -1,000 1 $ 285,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 205,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 345,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 1 $ 365,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 23,559,400,000 1 $ 125,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 165,000
Credence Funding Corporation
1200 TECHNOLOGY DR SUITE A
ABERDEEN, MD 21001
* $ -1,000 1 $ 215,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 1 $ 165,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 335,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 75,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ 551,508,000 1 $ 295,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 105,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 265,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 1 $ 485,000
Loanflight Lending, Llc.
201 N FRANKLIN ST STE 3440
TAMPA, FL 33634
* $ -1,000 1 $ 345,000
Interstate Credit Union
705 WEST CHERRY STREET
JESUP, GA 31545
* $ 185,188,000 1 $ 135,000

The tables below break down 2020 mortgage applications in McIntosh County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for McIntosh County, GA in 2020

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 419 $72,125,000 $172,000 $1,055,000 $99,000 $1,659,000
Refinancing 305 $58,525,000 $191,000 $805,000 $93,000 $374,000
Cash-out Refinancing 77 $14,935,000 $193,000 $485,000 $99,000 $477,000
Other Purpose 18 $1,670,000 $92,000 $225,000 $100,000 $750,000
Home Improvement 16 $1,530,000 $95,000 $305,000 $76,000 $251,000
Not Applicable 9 $1,025,000 $113,000 $285,000 $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 545 $103,845,000 $190,000 $1,055,000 $110,000 $1,659,000
Not Provided 111 $20,175,000 $181,000 $505,000 $76,000 $304,000
Black or African American 108 $11,620,000 $107,000 $245,000 $57,000 $216,000
Not applicable 66 $11,680,000 $176,000 $465,000 $78,000 $199,000
Hispanic 11 $1,295,000 $117,000 $255,000 $50,000 $116,000
American Indian or Alaskan Native 2 $790,000 $395,000 $405,000 $154,000 $154,000
Native Hawaiian or Other Pacific Islander 1 $405,000 $405,000 $405,000 $96,000 $96,000
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) 589 $100,705,000 $170,000 $1,055,000 $101,000 $1,659,000
VA-guaranteed (Veterans Administration) 120 $27,750,000 $231,000 $665,000 $105,000 $781,000
FHA-insured (Federal Housing Administration) 118 $18,930,000 $160,000 $315,000 $64,000 $371,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $2,425,000 $142,000 $175,000 $45,000 $75,000

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 435 $83,525,000 $192,000 $1,055,000 $111,000 $1,659,000
Application Denied By Financial Institution 133 $19,195,000 $144,000 $805,000 $75,000 $371,000
Application Withdrawn By Applicant 94 $17,130,000 $182,000 $525,000 $94,000 $750,000
File Closed For Incompleteness 78 $11,150,000 $142,000 $515,000 $63,000 $145,000
Loan Purchased By The Institution 74 $14,600,000 $197,000 $605,000 $110,000 $781,000
Application Approved But Not Accepted 30 $4,210,000 $140,000 $455,000 $68,000 $247,000
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 628 $118,990,000 $189,000 $1,055,000 $98,000 $1,659,000
Debt-To-Income Ratio 122 $17,020,000 $139,000 $535,000 $99,000 $519,000
Credit History 43 $4,935,000 $114,000 $365,000 $70,000 $371,000
Credit Application Incomplete 17 $3,385,000 $199,000 $345,000 $93,000 $251,000
Collateral 10 $1,940,000 $194,000 $545,000 $115,000 $307,000
Other 9 $935,000 $103,000 $185,000 $52,000 $74,000
Unverifiable Information 6 $660,000 $110,000 $295,000 $142,000 $276,000
Employment History 6 $860,000 $143,000 $345,000 $93,000 $141,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,085,000 $361,000 $805,000 $118,000 $217,000
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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