Mecklenburg County, VA Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,243 mortgage applications in Mecklenburg County, VA totaling $197.9 million, up 2% from 2011. The average application was for $159,000, and applicants reported an average income of $85,000. 48% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank NA, with 189 applications, followed by Truist Bank 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 1,243
Total Mortgage Loan Application Amount $197,860,000
Average Mortgage Loan Application Amount $159,000
Highest Mortgage Loan Application Amount $1,731,000
Average Applicant Income $85,000
Highest Applicant Income $1,079,000

Mortgage Company List for Lending in Mecklenburg County, VA for 2012

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 189 $ 30,553,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 180 $ 24,821,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 106 $ 9,259,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 89 $ 16,209,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 67 $ 9,713,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 42 $ 8,298,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 32 $ 5,162,000
Virginia Federal Credit Union
PO BOX 90010
RICHMOND, VA 23225
* $ 2,266,779,000 28 $ 3,339,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,571,750,000 26 $ 4,102,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 21 $ 2,979,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ 10,000,000 17 $ 3,038,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 16 $ 2,581,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 16 $ 3,375,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 16 $ 2,157,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 12 $ 2,070,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 11 $ 2,895,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 11 $ 2,343,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 10 $ 2,351,000
Citizens Bank & Trust Co.
126 SOUTH MAIN ST.
BLACKSTONE, VA 23824
* $ 323,006,000 10 $ 2,672,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 10 $ 1,546,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 10 $ 741,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 9 $ 1,890,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 9 $ 2,547,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 2,039,801,000 8 $ 1,045,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 7 $ 1,068,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 7 $ 1,358,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 1,056,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 301,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 6 $ 850,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 1,403,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,140,407,000 6 $ 1,005,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 6 $ 611,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 2,014,042,000 5 $ 1,350,000
The Bank of Charlotte County
101 BERKLEY STREET
PHENIX, VA 23959
* $ 121,029,000 5 $ 821,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 5 $ 89,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 5 $ 826,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 1,069,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 5 $ 846,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 5 $ 619,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 23,695,260,000 5 $ 541,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 882,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 701,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 3,970,407,000 4 $ 367,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 909,258,000 4 $ 867,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 4 $ 29,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 1,899,061,000 4 $ 1,202,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 4 $ 209,000
First Capital Bank
4222 COX RD.
GLEN ALLEN, VA 23060
* $ 541,366,000 3 $ 384,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 3 $ 615,000
New Republic Savings Bank
420 BECKER DRIVE
ROANOKE RAPIDS, NC 27870
* $ 55,150,000 3 $ 186,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 3 $ 380,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 3 $ 409,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 760,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 743,000
Capital One NA
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 71,108,281,000 3 $ 566,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 3 $ 1,500,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 3 $ 880,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 3 $ 269,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 718,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 215,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 370,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 2 $ 181,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 2 $ 170,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 2 $ 102,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,291,705,000 2 $ 16,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 440,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 390,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 290,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 221,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 522,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 185,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ 2,157,000 2 $ 825,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 421,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 357,000
Realty Home Mortgage Co., LLC
4600 EAST-WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 149,520,000 2 $ 418,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 1,651,700,000 2 $ 321,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 537,000
Capital Bank, NA
121 ALHAMBRA PLAZA, SUITE 1601
CORAL GABLES, FL 33134
* $ 6,464,192,000 2 $ 641,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 195,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 935,253,000 2 $ 274,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 2 $ 102,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 133,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 145,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 2 $ 647,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,888,611,000 2 $ 500,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 76,000
Hamilton National Mortgage Company
1275 DRUMMERS LANE
WAYNE, PA 19087
* $ 10,000,000 1 $ 185,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 250,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 1 $ 250,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ 710,000 1 $ 142,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 1 $ 254,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 131,000
Select Bank
P.O. BOX 4620
LYNCHBURG, VA 24502
* $ 103,441,000 1 $ 250,000
Signal Financial FCU
3015 UNIVERSITY BLVD., W
KENSINGTON, MD 20895
* $ 297,111,000 1 $ 128,000
Chesterfield FCU
6737 PUBLIC SAFETY WAY
CHESTERFIELD, VA 23832
* $ 75,680,000 1 $ 21,000
Dominion Energy Credit Union
PO BOX 26646
RICHMOND, VA 23225
* $ 239,493,000 1 $ 283,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 1 $ 147,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 222,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 781,211,000 1 $ 411,000
Bank of the James
828 MAIN STREET
LYNCHBURG, VA 24504
* $ 427,040,000 1 $ 100,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,779,000 1 $ 62,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 36,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,073,987,000 1 $ 241,000
The Bank of Southside Virginia
P. O. BOX 40
CARSON, VA 23830
* $ 531,316,000 1 $ 20,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 174,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 1 $ 149,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 727,866,000 1 $ 37,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 158,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 548,388,000 1 $ 62,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 5,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 288,000
Central Virginia Bank
PO BOX 391
WEST POINT, VA 23181
* $ 394,525,000 1 $ 318,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 984,290,000 1 $ 149,000
George Mason Mortgage LLC
4100 MONUMENT CORNER DRIVE #100
FAIRFAX, VA 22030
* $ 630,414,000 1 $ 166,000
American National Bank and Trust Company
628 MAIN STREET
DANVILLE, VA 24541
* $ 1,303,819,000 1 $ 172,000
Prosperity Mortgage Company
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,788,563,000 1 $ 158,000
First South Bank
1311 CAROLINA AVE
WASHINGTON, NC 27889
* $ 744,402,000 1 $ 417,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,179,394,000 1 $ 227,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 2,453,584,000 1 $ 279,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 672,996,000 1 $ 300,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 4,081,771,000 1 $ 107,000
Paragon Commercial Bank
3535 GLENWOOD AVENUE
RALEIGH, NC 27612
* $ 964,240,000 1 $ 296,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 276,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 123,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 88,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 135,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 202,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 80,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ 1,007,892,000,000 1 $ 212,000
Colonial Farm Credit Aca
7104 MECHANICSVILLE TURNPIKE
MECHANICSVILLE, VA 23111
* $ 10,000,000 1 $ 290,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 162,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 345,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 180,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 1 $ 375,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ 10,000,000 1 $ 158,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 399,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 265,000
Corridor Mortgage Group, Inc.
11085 STRATFIELD COURT
MARRIOTTSVILLE, MD 21104
* $ 605,000,000 1 $ 398,000
Member Advantage Mortgage
3330 BROADMOOR SE, SUITE B
GRAND RAPIDS, MI 49512
* $ 8,810,000 1 $ 214,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ 50,010,000 1 $ 92,000
Online Mortgage Group LLC
353 RTE. 46W BLDG. C STE. 211
FAIRFIELD, NJ 07004
* $ 1,124,000 1 $ 375,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 188,912,554,000 1 $ 180,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 1 $ 76,000
Cmco Mortgage, LLC dba Home Le
7851 FREEWAY CIRCLE
MIDDLEBURG HEIGHTS, OH 44130
* $ 10,000,000 1 $ 248,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 161,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 1 $ 338,000
Rmc Vanguard
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 20,000,000 1 $ 254,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 214,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 158,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 1 $ 65,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 245,000

The tables below break down 2012 mortgage applications in Mecklenburg County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Mecklenburg County, VA in 2012

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 837 $149,548,000 $178,000 $1,731,000 $92,000 $1,079,000
Home Purchase 331 $44,138,000 $133,000 $465,000 $73,000 $515,000
Home Improvement 75 $4,174,000 $55,000 $330,000 $62,000 $400,000

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 798 $137,134,000 $171,000 $840,000 $99,000 $1,079,000
Black or African American 185 $17,398,000 $94,000 $401,000 $51,000 $400,000
Not Provided 171 $27,754,000 $162,000 $698,000 $76,000 $348,000
Not applicable 62 $11,243,000 $181,000 $1,731,000 $39,000 $363,000
Hispanic 18 $2,351,000 $130,000 $287,000 $74,000 $213,000
Asian 7 $1,726,000 $246,000 $337,000 $134,000 $276,000
American Indian or Alaskan Native 1 $113,000 $113,000 $113,000 $21,000 $21,000
Native Hawaiian or Other Pacific Islander 1 $141,000 $141,000 $141,000 $43,000 $43,000

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) 1,017 $165,216,000 $162,000 $1,731,000 $95,000 $1,079,000
FHA-insured (Federal Housing Administration) 139 $17,108,000 $123,000 $292,000 $39,000 $125,000
VA-guaranteed (Veterans Administration) 63 $12,298,000 $195,000 $600,000 $58,000 $295,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 24 $3,238,000 $134,000 $278,000 $35,000 $60,000

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 591 $102,399,000 $173,000 $1,731,000 $98,000 $1,079,000
Application Denied By Financial Institution 311 $42,070,000 $135,000 $698,000 $64,000 $400,000
Loan Purchased By The Institution 127 $22,802,000 $179,000 $417,000 $87,000 $878,000
Application Withdrawn By Applicant 88 $14,954,000 $169,000 $417,000 $87,000 $553,000
Application Approved But Not Accepted 81 $8,981,000 $110,000 $560,000 $69,000 $350,000
File Closed For Incompleteness 45 $6,654,000 $147,000 $314,000 $88,000 $600,000
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 54 $4,412,000 $81,000 $412,000 $60,000 $400,000
Collateral 51 $9,986,000 $195,000 $698,000 $97,000 $375,000
Debt-To-Income Ratio 50 $8,723,000 $174,000 $600,000 $53,000 $169,000
Other 19 $1,630,000 $85,000 $192,000 $65,000 $150,000
Credit Application Incomplete 17 $2,448,000 $144,000 $280,000 $78,000 $200,000
Unverifiable Information 7 $1,578,000 $225,000 $525,000 $109,000 $250,000
Insufficient Cash (Downpayment, Closing Cost) 4 $604,000 $151,000 $185,000 $41,000 $51,000
Employment History 1 $145,000 $145,000 $145,000 $27,000 $27,000
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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