Middlesex County, VA Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 704 mortgage applications in Middlesex County, VA totaling $172.6 million, up 21% from 2024. The average application was for $245,000, and applicants reported an average income of $134,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was PennyMac Loan Services LLC, with 40 applications, followed by Primis Bank and Citizens and Farmers 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 | 704 |
| Total Mortgage Loan Application Amount | $172,550,000 |
| Average Mortgage Loan Application Amount | $245,000 |
| Highest Mortgage Loan Application Amount | $1,335,000 |
| Average Applicant Income | $134,000 |
| Highest Applicant Income | $2,493,000 |
* 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 |
|---|---|---|---|---|
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 40 | $ 11,840,000 |
| Primis Bank 10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN GLEN ALLEN, VA 23060 |
* | $ n/a | 30 | $ 4,020,000 |
| Citizens and Farmers Bank 415 14TH STREET WEST POINT, VA 23181 |
* | $ n/a | 26 | $ 4,140,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 26 | $ 5,150,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 25 | $ 3,165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 25 | $ 3,835,000 |
| NVR Mortgage Finance, Inc. PITTSBURGH, PA 15276 |
* | $ n/a | 22 | $ 6,680,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ n/a | 20 | $ 6,290,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ n/a | 20 | $ 3,160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 4,700,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 5,970,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 4,255,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 14 | $ 4,530,000 |
| Chesapeake Bank 35 SCHOOL STREET, PO BOX 2256 KILMARNOCK, VA 22482 |
* | $ n/a | 14 | $ 2,070,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 12 | $ 1,450,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 3,015,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 10 | $ 910,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 10 | $ 2,260,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ n/a | 10 | $ 1,870,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 9 | $ 2,885,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 1,295,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 9 | $ 3,055,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ n/a | 9 | $ 1,345,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ n/a | 9 | $ 2,255,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 9 | $ 2,405,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ n/a | 7 | $ 1,685,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ n/a | 7 | $ 2,035,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 670,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 840,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 6 | $ 1,750,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 6 | $ 2,100,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 5 | $ 445,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,365,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 5 | $ 245,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 1,475,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 5 | $ 1,245,000 |
| Chartway FCU 5700 CLEVELAND STREET VIRGINIA BEACH, VA 23462 |
* | $ n/a | 5 | $ 1,765,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 855,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 335,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 1,885,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 5 | $ 1,865,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ n/a | 5 | $ 1,785,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 1,570,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 4 | $ 3,390,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 340,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 4 | $ 1,190,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ n/a | 4 | $ 1,510,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 4 | $ 670,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 430,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 4 | $ 1,050,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ n/a | 4 | $ 1,590,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 4 | $ 1,220,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ n/a | 3 | $ 1,925,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 1,175,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ n/a | 3 | $ 785,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 655,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 245,000 |
| Champions Funding, LLC 365 E GERMANN RD #140 GILBERT, AZ 85297 |
* | $ n/a | 3 | $ 985,000 |
| Primis Bank GLEN ALLEN, VA 23060 |
* | $ n/a | 3 | $ 525,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ n/a | 3 | $ 1,205,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 3 | $ 255,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 1,055,000 |
| Southern Trust Mortgage, LLC 295 BENDIX ROAD SUITE 400 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 3 | $ 1,125,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 3 | $ 705,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 1,205,000 |
| Towne First Mortgage, LLC 4501 COX RD #301 GLEN ALLEN, VA 23060 |
* | $ n/a | 2 | $ 870,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 2 | $ 590,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ n/a | 2 | $ 360,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 2 | $ 870,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 270,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ n/a | 2 | $ 850,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ n/a | 2 | $ 220,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ n/a | 2 | $ 790,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 240,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 280,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 860,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 110,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 2 | $ 340,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 310,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 790,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 355,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 45,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 355,000 |
| Oak View National Bank 128 BROADVIEW AVENUE WARRENTON, VA 20186 |
* | $ n/a | 1 | $ 1,185,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 1 | $ 625,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 1 | $ 345,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 335,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 445,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 335,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 135,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 1 | $ 305,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 1 | $ 215,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ n/a | 1 | $ 435,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 435,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 425,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 1 | $ 275,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 185,000 |
| Garrett Mortgage LLC 11864 CANON BLVD STE 103 NEWPORT NEWS, VA 23606 |
* | $ n/a | 1 | $ 205,000 |
| Home Mortgage Alliance Corp (Hmac) 4 HUTTON CENTER DR. SUITE 500 SANTA ANA, CA 92707 |
* | $ n/a | 1 | $ 455,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ n/a | 1 | $ 105,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 15,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 115,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 465,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 155,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ n/a | 1 | $ 365,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 195,000 |
| Shore United Bank, N.A. 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ n/a | 1 | $ 125,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 55,000 |
| Bellco Credit Union 7600 E. ORCHARD ROAD #400N GREENWOOD VILLAGE, CO 80111 |
* | $ n/a | 1 | $ 55,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 245,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 95,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 445,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 385,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 625,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 485,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 1 | $ 445,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 355,000 |
| First Bank 112 W KING ST STRASBURG, VA 22657 |
* | $ n/a | 1 | $ 965,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 95,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ n/a | 1 | $ 155,000 |
| Saygo Home Loans, LLC 8155 E INDIAN BEND RD, STE 107 SCOTTSDALE, AZ 85250 |
* | $ n/a | 1 | $ 235,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 105,000 |
| Colonial Farm Credit Aca 7104 MECHANICSVILLE TURNPIKE MECHANICSVILLE, VA 23111 |
* | $ n/a | 1 | $ 115,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 365,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 185,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ n/a | 1 | $ 705,000 |
| Baylands Family Credit Union PO BOX 392, 2004 MAIN STREET WEST POINT, VA 23181 |
* | $ n/a | 1 | $ 105,000 |
| Towne Mortgage 3 COMMERCIAL PLACE STE 1440 NORFOLK, VA 23510 |
* | $ n/a | 1 | $ 285,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 525,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2025 mortgage applications in Middlesex 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 Middlesex County, VA in 2025
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 | 323 | $102,945,000 | $318,000 | $1,335,000 | $165,000 | $2,493,000 |
| Refinancing | 124 | $30,170,000 | $243,000 | $755,000 | $130,000 | $455,000 |
| Cash-out Refinancing | 118 | $26,430,000 | $223,000 | $665,000 | $104,000 | $660,000 |
| Other Purpose | 73 | $6,455,000 | $88,000 | $445,000 | $92,000 | $266,000 |
| Home Improvement | 64 | $6,420,000 | $100,000 | $255,000 | $116,000 | $555,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $115,000 | $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 | 454 | $107,240,000 | $236,000 | $1,335,000 | $142,000 | $2,493,000 |
| Not applicable | 96 | $29,910,000 | $311,000 | $965,000 | $142,000 | $264,000 |
| Black or African American | 68 | $13,500,000 | $198,000 | $705,000 | $83,000 | $375,000 |
| Not Provided | 65 | $15,725,000 | $241,000 | $765,000 | $121,000 | $462,000 |
| Hispanic | 12 | $2,920,000 | $243,000 | $485,000 | $144,000 | $303,000 |
| Asian | 5 | $2,215,000 | $443,000 | $1,285,000 | $251,000 | $755,000 |
| American Indian or Alaskan Native | 4 | $1,040,000 | $260,000 | $445,000 | $108,000 | $176,000 |
| 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) | 504 | $112,860,000 | $223,000 | $1,335,000 | $148,000 | $2,493,000 |
| FHA-insured (Federal Housing Administration) | 117 | $30,555,000 | $261,000 | $485,000 | $75,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 76 | $27,540,000 | $362,000 | $765,000 | $113,000 | $462,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,595,000 | $227,000 | $305,000 | $82,000 | $103,000 |
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 | 355 | $96,265,000 | $271,000 | $1,335,000 | $162,000 | $2,493,000 |
| Application Denied By Financial Institution | 112 | $16,040,000 | $143,000 | $765,000 | $77,000 | $354,000 |
| Loan Purchased By The Institution | 102 | $30,960,000 | $303,000 | $805,000 | $145,000 | $391,000 |
| Application Withdrawn By Applicant | 73 | $18,385,000 | $251,000 | $735,000 | $115,000 | $462,000 |
| File Closed For Incompleteness | 50 | $9,110,000 | $182,000 | $485,000 | $98,000 | $457,000 |
| Application Approved But Not Accepted | 12 | $1,790,000 | $149,000 | $525,000 | $90,000 | $287,000 |
| 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 | 567 | $150,975,000 | $266,000 | $1,335,000 | $147,000 | $2,493,000 |
| Debt-To-Income Ratio | 59 | $10,115,000 | $171,000 | $1,185,000 | $96,000 | $667,000 |
| Credit History | 29 | $3,515,000 | $121,000 | $315,000 | $78,000 | $354,000 |
| Credit Application Incomplete | 16 | $1,940,000 | $121,000 | $455,000 | $58,000 | $153,000 |
| Collateral | 15 | $2,195,000 | $146,000 | $405,000 | $104,000 | $266,000 |
| Other | 7 | $1,405,000 | $200,000 | $535,000 | $89,000 | $276,000 |
| Unverifiable Information | 7 | $1,105,000 | $157,000 | $275,000 | $60,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,300,000 | $325,000 | $365,000 | $153,000 | $254,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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