McIntosh County, OK Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 897 mortgage applications in McIntosh County, OK totaling $154.1 million, down 15% from 2021. The average application was for $171,000, and applicants reported an average income of $102,000. 46% of applications resulted in an originated loan and 20% were denied. The most active lender was Arvest Bank, with 55 applications, followed by Armstrong Bank and Bokf NA.

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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 897
Total Mortgage Loan Application Amount $154,085,000
Average Mortgage Loan Application Amount $171,000
Highest Mortgage Loan Application Amount $975,000
Average Applicant Income $102,000
Highest Applicant Income $1,184,000

Mortgage Company List for Lending in McIntosh County, OK for 2022

* 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
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 55 $ 6,995,000
Armstrong Bank
1111 W BROADWAY
MUSKOGEE, OK 74401
* $ 2,490,527,000 48 $ 7,120,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 50,093,398,000 44 $ 6,270,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 40 $ 4,830,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 37 $ 4,545,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 8,265,835,000 28 $ 3,990,000
American Bank of Oklahoma
200 E MAIN, P.O. BOX 66
COLLINSVILLE, OK 74021
* $ 362,341,000 26 $ 4,850,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 23 $ 3,015,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 23 $ 4,255,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 21 $ 4,645,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 20 $ 4,330,000
Financial Concpepts Mortgage
2949 S BRYANT
EDMOND, OK 73013
* $ -1,000 19 $ 5,075,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 18 $ 3,070,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 16 $ 3,050,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 12,464,313,000 16 $ 3,150,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 3,220,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 14 $ 2,310,000
Firstar Bank
1720 E CHEROKEE AVE
SALLISAW, OK 74955
* $ 806,427,000 13 $ 2,645,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 1,940,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 2,370,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 11 $ 1,925,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 10 $ 2,070,000
Mabrey Bank
P O BOX 130
BIXBY, OK 74008
* $ 1,574,653,000 10 $ 1,210,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 10 $ 1,670,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 10 $ 2,190,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,845,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ 2,216,048,000 8 $ 1,780,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 8 $ 1,680,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,245,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 7 $ 865,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 5,916,950,000 7 $ 715,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 1,780,864,000 7 $ 765,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 7 $ 1,005,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 1,300,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 660,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 710,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 6 $ 770,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ -1,000 6 $ 1,510,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 6 $ 1,250,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 6 $ 710,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 5 $ 525,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 835,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 635,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 5 $ 715,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 540,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 710,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 660,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 4 $ 110,000
Patrons Bank, NA
PO BOX 1037
OKMULGEE, OK 74447
* $ 293,629,000 4 $ 680,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 4 $ 220,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 4 $ 650,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 620,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 4 $ 580,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 4 $ 390,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 940,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 3 $ 305,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 349,214,000 3 $ 415,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 1,005,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 3 $ 925,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 9,203,588,000 3 $ 345,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 215,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 3 $ 1,495,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 1,285,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 665,000
Vision Bank
PO BOX 669
ADA, OK 74820
* $ 864,242,000 3 $ 1,005,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 230,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 240,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 530,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 2 $ 470,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 2 $ 110,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 380,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 210,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 280,000
First Bank and Trust Co
PO BOX 580
DUNCAN, OK 73533
* $ 769,911,000 2 $ 210,000
First Fidelity Bank
5100 N CLASSEN BLVD SUITE 500
OKLAHOMA CITY, OK 73118
* $ 2,687,759,000 2 $ 260,000
Ynb
P.O BOX 851700
YUKON, OK 73099
* $ 233,221,000 2 $ 150,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 2 $ 540,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 600,000
Ttcu Federal Credit Union
9815 E 81ST ST
TULSA, OK 74133
* $ 2,611,509,000 2 $ 170,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 470,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 370,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 271,366,000 2 $ 100,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 375,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 85,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 185,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ -1,000 1 $ 105,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 1 $ 345,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 713,131,000 1 $ 625,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,291,812,000 1 $ 105,000
Legacy Bank
101 W MAIN
HINTON, OK 73047
* $ 845,145,000 1 $ 75,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 285,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 205,000
Crossfirst Bank

CHAMPAIGN, IL 61820
* $ 5,612,772,000 1 $ 395,000
Fnb & Trust of Ardmore
405 WEST MAIN
ARDMORE, OK 73401
* $ 615,559,000 1 $ 185,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 2,014,131,000 1 $ 265,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 4,129,644,000 1 $ 325,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 95,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 105,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 1 $ 105,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 285,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 1 $ 155,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 155,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 235,000
Sooner State Bank
10301 N MAY AVE
OKLAHOMA CITY, OK 73120
* $ 321,650,000 1 $ 135,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 485,000
U.S. Eagle Federal Credit Union
5201 ANTEQUERA NW
ALBUQUERQUE, NM 87120
* $ 1,420,839,000 1 $ 65,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 1 $ 85,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 1 $ 245,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 1 $ 305,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 245,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 435,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 8,012,849,000 1 $ 455,000
Grand Savings Bank
P O BOX 451809, 1022 SOUTH MAIN
GROVE, OK 74344
* $ 770,486,000 1 $ 805,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 505,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 45,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 285,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 225,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,415,583,000 1 $ 75,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 305,000
Westreet Federal Credit Union
9323 E.21ST STREET
TULSA, OK 74129
* $ 911,427,000 1 $ 95,000
Municipal Employees Credit Union
101 N WALKER AVENUE
OKLAHOMA CITY, OK 73102
* $ 171,090,000 1 $ 95,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 225,000
Regent Bank
105 N MAPLE
TULSA, OK 74136
* $ 964,226,000 1 $ 425,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 2,797,870,000 1 $ 265,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 225,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 502,207,000 1 $ 65,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 55,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 215,000
First National Bank Mortgage
1540 E. SOUTHLAKE BLVD
SOUTHLAKE, TX 76092
* $ 965,070,000 1 $ 215,000
Allegiance Federal Credit Union
4235 N MERIDIAN AVE
OKLAHOMA CITY, OK 73112
* $ 376,025,000 1 $ 865,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 285,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 485,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 55,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 7,123,603,000 1 $ 175,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 185,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 455,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 135,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 37,833,980,000 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 115,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 195,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 95,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 115,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 505,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 175,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 265,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 305,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,824,450,000 1 $ 305,000

The tables below break down 2022 mortgage applications in McIntosh County, OK 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, OK in 2022

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 549 $100,125,000 $182,000 $975,000 $109,000 $1,057,000
Cash-out Refinancing 154 $25,790,000 $167,000 $555,000 $72,000 $234,000
Refinancing 119 $21,345,000 $179,000 $865,000 $133,000 $1,184,000
Home Improvement 46 $3,650,000 $79,000 $405,000 $79,000 $396,000
Other Purpose 28 $3,140,000 $112,000 $515,000 $86,000 $573,000
Not Applicable 1 $35,000 $35,000 $35,000 $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 548 $93,720,000 $171,000 $865,000 $103,000 $1,184,000
Not applicable 108 $23,050,000 $213,000 $975,000 $91,000 $133,000
American Indian or Alaskan Native 101 $14,005,000 $138,000 $485,000 $81,000 $396,000
Not Provided 96 $15,790,000 $164,000 $505,000 $121,000 $644,000
Hispanic 24 $4,890,000 $203,000 $845,000 $123,000 $1,057,000
Black or African American 15 $2,065,000 $137,000 $335,000 $77,000 $117,000
Asian 5 $565,000 $113,000 $195,000 $94,000 $155,000
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) 643 $107,235,000 $166,000 $975,000 $112,000 $1,184,000
FHA-insured (Federal Housing Administration) 135 $21,915,000 $162,000 $415,000 $78,000 $284,000
VA-guaranteed (Veterans Administration) 92 $20,520,000 $223,000 $705,000 $72,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 27 $4,415,000 $163,000 $295,000 $67,000 $117,000

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 409 $74,015,000 $180,000 $865,000 $111,000 $1,184,000
Application Denied By Financial Institution 180 $24,430,000 $135,000 $975,000 $71,000 $404,000
Application Withdrawn By Applicant 114 $21,890,000 $192,000 $835,000 $110,000 $1,020,000
Loan Purchased By The Institution 96 $19,370,000 $201,000 $575,000 $109,000 $178,000
File Closed For Incompleteness 49 $7,015,000 $143,000 $495,000 $97,000 $1,033,000
Application Approved But Not Accepted 49 $7,365,000 $150,000 $485,000 $131,000 $644,000
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 708 $127,680,000 $180,000 $865,000 $108,000 $1,184,000
Credit History 64 $5,930,000 $92,000 $265,000 $68,000 $286,000
Debt-To-Income Ratio 59 $10,065,000 $170,000 $805,000 $101,000 $1,020,000
Collateral 27 $4,875,000 $180,000 $975,000 $80,000 $170,000
Other 15 $1,715,000 $114,000 $225,000 $72,000 $127,000
Credit Application Incomplete 12 $2,290,000 $190,000 $425,000 $99,000 $233,000
Unverifiable Information 9 $955,000 $106,000 $125,000 $68,000 $131,000
Employment History 2 $330,000 $165,000 $205,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 1 $245,000 $245,000 $245,000 $79,000 $79,000
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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