Milam County, TX Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 598 mortgage applications in Milam County, TX totaling $64.5 million, up 25% from 2011. The average application was for $107,000, and applicants reported an average income of $69,000. 44% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank NA, with 100 applications, followed by Classic Bank, National Association and 21st Mortgage.
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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 | 598 |
| Total Mortgage Loan Application Amount | $64,489,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $570,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,200,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 100 | $ 12,987,000 |
| Classic Bank, National Association P.O. BOX 835 CAMERON, TX 76520 |
* | $ 235,985,000 | 48 | $ 3,809,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 30 | $ 1,665,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 27 | $ 3,067,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 23 | $ 1,739,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 17 | $ 2,458,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 16 | $ 1,157,000 |
| Susser Bank 500 HARWOOD ROAD BEDFORD, TX 76021 |
* | $ 227,903,000 | 14 | $ 1,566,000 |
| The Buckholts State Bank 100 N 4TH STREET BUCKHOLTS, TX 76520 |
* | $ 61,560,000 | 12 | $ 353,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 11 | $ 1,117,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 10 | $ 942,000 |
| Extraco Banks, NA 18 SOUTH MAIN STREET TEMPLE, TX 76502 |
* | $ 1,194,000,000 | 10 | $ 728,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 2,020,141,000 | 9 | $ 978,000 |
| Texell Credit Union PO BOX 983 TEMPLE, TX 76503 |
* | $ 169,555,000 | 9 | $ 596,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 63,106,987,000 | 9 | $ 1,841,000 |
| Capstar Lending, LLC 6836 AUSTIN CENTER BLVD #110 AUSTIN, TX 78717 |
* | $ 500,000 | 9 | $ 1,335,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 8 | $ 890,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 7 | $ 696,000 |
| Citizens National Bank 118 S HOUSTON CAMERON, TX 76520 |
* | $ 322,254,000 | 7 | $ 187,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 7 | $ 780,000 |
| First National Bank of Central Texas 1835 N. VALLEY MILLS DR. WACO, TX 76710 |
* | $ 608,273,000 | 6 | $ 905,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 696,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 9,816,225,000 | 5 | $ 861,000 |
| City National Bank of Taylor PO DRAWER 1099 TAYLOR, TX 76574 |
* | $ 189,505,000 | 5 | $ 453,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 447,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 5 | $ 370,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 542,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 5 | $ 455,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 560,000 |
| Ameripro Funding 8300 N. MOPAC EXPRESSWAY SUITE 120 AUSTIN, TX 78759 |
* | $ 40,000,000 | 4 | $ 356,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 4 | $ 528,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 4 | $ 806,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 459,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 456,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 269,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 3 | $ 242,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 3 | $ 54,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 3 | $ 172,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 826,484,000 | 3 | $ 337,000 |
| Central National Bank 8320 W HWY 84 WACO, TX 76712 |
* | $ 605,791,000 | 3 | $ 219,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 364,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 3 | $ 852,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 241,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 578,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 3 | $ 261,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 3 | $ 531,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 3 | $ 379,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 323,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 2 | $ 171,000 |
| Txl Mortgage Corporation 11931 WICKCHESTER LN STE 444 HOUSTON, TX 77043 |
* | $ 100,000,000 | 2 | $ 338,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 241,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 137,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 2 | $ 135,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,368,203,000 | 2 | $ 94,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 2 | $ 256,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 77,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 2 | $ 230,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 270,824,000 | 2 | $ 227,000 |
| Priority Bank 3401 E MISSION BLVD FAYETTEVILLE, AR 72703 |
* | $ 87,299,000 | 2 | $ 218,000 |
| University Federal Credit Union 8303 N MOPAC EXPRESSWAY AUSTIN, TX 78759 |
* | $ 1,459,923,000 | 2 | $ 303,000 |
| Amplify Federal Credit Union 3600 W PARMER LANE AUSTIN, TX 78727 |
* | $ 565,321,000 | 2 | $ 55,000 |
| Citizens State Bank PO BOX 518 SOMERVILLE, TX 77879 |
* | $ 384,491,000 | 2 | $ 677,000 |
| First State Bank Central Texas P. O. BOX 6136 TEMPLE, TX 76503 |
* | $ 1,113,263,000 | 2 | $ 122,000 |
| United Heritage Credit Union 12208 N MOPAC EXPY AUSTIN, TX 78759 |
* | $ 684,439,000 | 2 | $ 226,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 2 | $ 256,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 2 | $ 181,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 115,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ 917,364,000 | 1 | $ 207,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 7,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 115,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 107,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 59,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,172,543,000 | 1 | $ 108,000 |
| Capitol Credit Union 11902 A BURNET RD AUSTIN, TX 78758 |
* | $ 117,097,000 | 1 | $ 12,000 |
| Round Top State Bank 301 N WASHINGTON ROUND TOP, TX 78954 |
* | $ 354,904,000 | 1 | $ 24,000 |
| Omniamerican Bank 1320 SOUTH UNIVERSITY DR SUITE 106 FORT WORTH, TX 76107 |
* | $ 1,335,997,000 | 1 | $ 155,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 1 | $ 164,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 1,841,513,000 | 1 | $ 154,000 |
| First Texas Bank PO BOX 649 GEORGETOWN, TX 78627 |
* | $ 309,417,000 | 1 | $ 110,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 276,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 194,000 |
| Horizon Bank, SSB 600 CONGRESS AVENUE, SUITE 400 AUSTIN, TX 78701 |
* | $ 265,386,000 | 1 | $ 95,000 |
| Beacon Federal Credit Union 2901 SENS ROAD LA PORTE, TX 77581 |
* | $ 120,813,000 | 1 | $ 140,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 905,730,000 | 1 | $ 10,000 |
| Lubbock National Bank 4811 50TH LUBBOCK, TX 79414 |
* | $ 738,337,000 | 1 | $ 86,000 |
| First Community Bank NA 3 SUGAR CREEK CENTER BLVD SUITE 200 SUGAR LAND, TX 77478 |
* | $ 634,177,000 | 1 | $ 70,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 115,000 |
| Frontier Bank of Texas 1213 HWY 290 E ELGIN, TX 78621 |
* | $ 118,885,000 | 1 | $ 64,000 |
| Members Choice of Central Texas FCU 4631 W WACO DRIVE WACO, TX 76710 |
* | $ 148,612,000 | 1 | $ 25,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 85,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 10,000 |
| The First National Bank of Bas 489 HIGHWAY 71 WEST (PO DRAWER F) BASTROP, TX 78602 |
* | $ 411,931,000 | 1 | $ 15,000 |
| National United 905 MAIN ST GATESVILLE, TX 76528 |
* | $ 477,836,000 | 1 | $ 25,000 |
| First National Bank of Moody 101 7TH ST MOODY, TX 76557 |
* | $ 45,176,000 | 1 | $ 58,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 12,000 |
| Capital One NA 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 71,108,281,000 | 1 | $ 136,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 76,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 200,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 60,970,527,000 | 1 | $ 254,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 144,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ 1,000,000,000 | 1 | $ 92,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 67,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 177,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 75,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 196,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 570,000 |
| Reverse Mortgage USA, Inc. 6500 RIVER PLACE BLVD, BLDG 1, STE 425 AUSTIN, TX 78730 |
* | $ 3,305,000 | 1 | $ 83,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 77,000 |
| The Lending Partners, LLC 5560 TENNYSON PARKWAY, STE. 201 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 148,000 |
The tables below break down 2012 mortgage applications in Milam County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Milam County, TX 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 288 | $30,528,000 | $106,000 | $500,000 | $67,000 | $504,000 |
| Refinancing | 261 | $32,645,000 | $125,000 | $570,000 | $68,000 | $320,000 |
| Home Improvement | 49 | $1,316,000 | $26,000 | $155,000 | $86,000 | $1,200,000 |
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 | 430 | $49,846,000 | $115,000 | $570,000 | $74,000 | $1,200,000 |
| Hispanic | 62 | $3,857,000 | $62,000 | $189,000 | $53,000 | $199,000 |
| Not Provided | 43 | $4,155,000 | $96,000 | $261,000 | $80,000 | $223,000 |
| Not applicable | 34 | $4,465,000 | $131,000 | $538,000 | $20,000 | $125,000 |
| Black or African American | 23 | $1,537,000 | $66,000 | $150,000 | $68,000 | $504,000 |
| American Indian or Alaskan Native | 3 | $328,000 | $109,000 | $143,000 | $43,000 | $95,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $199,000 | $99,000 | $111,000 | $85,000 | $123,000 |
| Asian | 1 | $102,000 | $102,000 | $102,000 | $35,000 | $35,000 |
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) | 439 | $45,572,000 | $103,000 | $570,000 | $78,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 85 | $9,763,000 | $114,000 | $259,000 | $44,000 | $223,000 |
| VA-guaranteed (Veterans Administration) | 48 | $7,012,000 | $146,000 | $300,000 | $48,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,142,000 | $82,000 | $228,000 | $42,000 | $74,000 |
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 | 265 | $29,258,000 | $110,000 | $570,000 | $77,000 | $1,200,000 |
| Application Denied By Financial Institution | 141 | $13,064,000 | $92,000 | $436,000 | $61,000 | $320,000 |
| Loan Purchased By The Institution | 88 | $11,270,000 | $128,000 | $417,000 | $53,000 | $177,000 |
| Application Withdrawn By Applicant | 56 | $6,725,000 | $120,000 | $290,000 | $68,000 | $202,000 |
| Application Approved But Not Accepted | 39 | $3,450,000 | $88,000 | $217,000 | $65,000 | $120,000 |
| File Closed For Incompleteness | 9 | $722,000 | $80,000 | $160,000 | $126,000 | $504,000 |
| 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 | 36 | $2,175,000 | $60,000 | $265,000 | $56,000 | $120,000 |
| Debt-To-Income Ratio | 27 | $2,916,000 | $108,000 | $436,000 | $51,000 | $223,000 |
| Collateral | 20 | $2,545,000 | $127,000 | $264,000 | $96,000 | $320,000 |
| Other | 17 | $1,043,000 | $61,000 | $171,000 | $56,000 | $120,000 |
| Credit Application Incomplete | 10 | $1,144,000 | $114,000 | $265,000 | $75,000 | $123,000 |
| Unverifiable Information | 4 | $376,000 | $94,000 | $120,000 | $45,000 | $80,000 |
| Employment History | 1 | $98,000 | $98,000 | $98,000 | $32,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $188,000 | $188,000 | $188,000 | $59,000 | $59,000 |
| 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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