Milam County, TX Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 723 mortgage applications in Milam County, TX totaling $99.8 million, up 3% from 2017. The average application was for $138,000, and applicants reported an average income of $83,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was 21st Mortgage, with 45 applications, followed by Classic Bank, National Association and Wells Fargo Bank 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 723
Total Mortgage Loan Application Amount $99,825,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $855,000
Average Applicant Income $83,000
Highest Applicant Income $1,300,000

Mortgage Company List for Lending in Milam County, TX for 2018

* 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
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 45 $ 3,485,000
Classic Bank, National Association
P.O. BOX 835
CAMERON, TX 76520
* $ 350,369,000 40 $ 6,540,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 32 $ 3,870,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 24 $ 3,990,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 22 $ 3,120,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 22,583,067,000 19 $ 3,055,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 18 $ 2,680,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 18 $ 1,500,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 620,537,000 15 $ 2,615,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 1,490,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 14 $ 1,480,000
Citizens National Bank
118 S HOUSTON
CAMERON, TX 76520
* $ 402,486,000 14 $ 980,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 13 $ 1,045,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 12 $ 2,020,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 11 $ 1,375,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 11 $ 1,595,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 10 $ 1,660,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 10 $ 1,070,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 10 $ 1,480,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,925,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 9 $ 1,105,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,275,000
The Buckholts State Bank
100 N 4TH STREET
BUCKHOLTS, TX 76520
* $ 75,224,000 9 $ 405,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 1,920,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 8 $ 920,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 8 $ 1,030,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 7 $ 625,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 8,646,000,000 7 $ 1,145,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 7 $ 1,625,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 885,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 6 $ 950,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 6 $ 960,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 6 $ 760,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 1,689,129,000 6 $ 650,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 6 $ 630,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 805,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 815,000
Southstar Bank SSB
100 S. MAIN
MOULTON, TX 77975
* $ 763,657,000 5 $ 775,000
Amplify Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ 908,313,000 5 $ 475,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 385,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 685,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 5 $ 755,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 4 $ 740,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 4 $ 680,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 740,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 670,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 4 $ 580,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 4 $ 740,000
Texell Credit Union
PO BOX 983
TEMPLE, TX 76503
* $ 331,714,000 4 $ 230,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 3 $ 565,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 555,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 3 $ 685,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 235,000
Round Top State Bank
301 N WASHINGTON
ROUND TOP, TX 78954
* $ 525,232,000 3 $ 575,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 435,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 15,308,454,000 3 $ 385,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 3 $ 645,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 86,504,843,000 3 $ 345,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 315,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 385,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 3 $ 245,000
Citizens State Bank
PO BOX 518
SOMERVILLE, TX 77879
* $ 526,422,000 3 $ 355,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 3 $ 115,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 3 $ 505,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ -1,000 2 $ 390,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 470,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 2 $ 930,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 2 $ 160,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 2 $ 120,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 2 $ 250,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 1,411,010,000 2 $ 260,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 390,000
Frontier Bank of Texas
1213 HWY 290 E
ELGIN, TX 78621
* $ 220,807,000 2 $ 310,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 220,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 2 $ 100,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 31,797,038,000 2 $ 90,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 240,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 420,000
The First National Bank of Bas
489 HIGHWAY 71 WEST (PO DRAWER F)
BASTROP, TX 78602
* $ 559,128,000 2 $ 150,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 2 $ 30,000
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ 1,962,761,000 2 $ 750,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 210,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 2 $ 310,000
The First National Bank of Hughes Springs
PO BOX 188
HUGHES SPRINGS, TX 75656
* $ 272,521,000 2 $ 170,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 220,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 2 $ 790,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 195,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 95,000
Town Square Mortgage & Investments, Inc.
17300 DALLAS PKWY, STE 1030
DALLAS, TX 75248
* $ -1,000 1 $ 145,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 125,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 205,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 1 $ 155,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 135,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 155,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 1 $ 105,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 1 $ 215,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ -1,000 1 $ 135,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 65,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 251,259,000 1 $ 225,000
R Bank
3600 E PALM VALLEY BLVD
ROUND ROCK, TX 78665
* $ 454,227,000 1 $ 65,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 275,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 205,000
Eecu
1617 W. 7TH STREET
FORT WORTH, TX 76102
* $ 2,093,047,000 1 $ 55,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 75,000
Independent Bank
1600 REDBUD BLVD
MCKINNEY, TX 75070
* $ 8,674,691,000 1 $ 455,000
Texas Bank
P O BOX 1190
HENDERSON, TX 75652
* $ 451,742,000 1 $ 265,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 53,495,452,000 1 $ 715,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ -1,000 1 $ 55,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 95,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 1 $ 135,000
First National Bank of McGregor
401 S MAIN
MCGREGOR, TX 76657
* $ 321,112,000 1 $ 75,000
Public Employees Credit Union
PO BOX 2205
AUSTIN, TX 78701
* $ 336,920,000 1 $ 5,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 155,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 125,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 115,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 225,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 115,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 105,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 1 $ 135,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 1 $ 205,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 275,000
Home Financing Unlimited, Inc.
901 SOUTH MOPAC BUILDING V, SUITE 120
AUSTIN, TX 78746
* $ -1,000 1 $ 125,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 225,000
Abilene Teachers FCU
P.O. BOX 5706
ABILENE, TX 79606
* $ 431,369,000 1 $ 45,000
Austin Telco FCU
8929 SHOAL CREEK BLVD
AUSTIN, TX 78759
* $ 1,460,987,000 1 $ 95,000
Florida Community Bank, National Association
2500 WESTON ROAD #300
WESTON, FL 33331
* $ 10,485,448,000 1 $ 325,000
America's Choice Home Loans LP
8584 KATY FREEWAY, STE 200
HOUSTON, TX 77024
* $ -1,000 1 $ 235,000
Central Bank
11201 CLAY RD
HOUSTON, TX 77041
* $ 660,968,000 1 $ 35,000
Icon Bank of Texas, National Association
7906 N. SAM HOUSTON PKWY WEST
HOUSTON, TX 77064
* $ 815,462,000 1 $ 145,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 155,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 125,000
Barton Creek Lending Group, LLC
6011 CAPE CORAL DRIVE
AUSTIN, TX 78746
* $ -1,000 1 $ 95,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 1 $ 385,000
Fidelity Bank of Texas
PO BOX 5540
WACO, TX 76708
* $ 98,222,000 1 $ 35,000
Rb Mortgage LLC
ONE RANDOLPH BROOKS PARKWAY
LIVE OAK, TX 78233
* $ -1,000 1 $ 195,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 1 $ 105,000
Anchor Loans LP

THOUSAND OAKS, CA 91362
* $ -1,000 1 $ 55,000
Legacytexas Bank
5851 LEGACY CIRCLE, SUITE 1200
PLANO, TX 75024
* $ 9,088,831,000 1 $ 285,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 145,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 65,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 305,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 335,000
Capital Farm Credit, Aca
3000 BRIARCREST DRIVE SUITE 601
BRYAN, TX 77802
* $ -1,000 1 $ 135,000
Security Bank of Texas
PO BOX 90
CRAWFORD, TX 76638
* $ 46,146,000 1 $ 95,000
Rose Hill Bank
107 N ROSE HILL RD
ROSE HILL, KS 67133
* $ 318,745,000 1 $ 55,000
First National Bank of Central Texas
1835 N. VALLEY MILLS DR.
WACO, TX 76710
* $ 828,650,000 1 $ 55,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 155,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 1 $ 15,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 125,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 145,000
Texas Bank Financial
901 SANTA FE DRIVE
WEATHERFORD, TX 76086
* $ 243,041,000 1 $ 25,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ 2,437,615,000 1 $ 325,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 2,236,859,000 1 $ 145,000
Members Choice of Central Texas FCU
4631 W WACO DRIVE
WACO, TX 76710
* $ 197,656,000 1 $ 75,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 1 $ 265,000

The tables below break down 2018 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 2018

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 433 $60,785,000 $140,000 $635,000 $82,000 $1,300,000
Cash-out Refinancing 102 $15,480,000 $151,000 $455,000 $84,000 $526,000
Refinancing 91 $13,525,000 $148,000 $465,000 $82,000 $222,000
Other Purpose 40 $4,670,000 $116,000 $715,000 $95,000 $277,000
Home Improvement 40 $3,810,000 $95,000 $855,000 $88,000 $320,000
Not Applicable 17 $1,555,000 $91,000 $225,000 $85,000 $125,000

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 476 $69,510,000 $146,000 $715,000 $91,000 $1,300,000
Hispanic 94 $9,520,000 $101,000 $315,000 $60,000 $188,000
Not Provided 66 $9,870,000 $149,000 $555,000 $79,000 $235,000
Not applicable 52 $7,710,000 $148,000 $855,000 $75,000 $102,000
Black or African American 21 $1,685,000 $80,000 $185,000 $58,000 $186,000
American Indian or Alaskan Native 8 $680,000 $85,000 $215,000 $47,000 $102,000
Asian 6 $850,000 $141,000 $325,000 $61,000 $102,000
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) 523 $68,885,000 $131,000 $855,000 $89,000 $1,300,000
FHA-insured (Federal Housing Administration) 120 $16,470,000 $137,000 $295,000 $67,000 $196,000
VA-guaranteed (Veterans Administration) 63 $12,595,000 $199,000 $635,000 $74,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $1,875,000 $110,000 $175,000 $46,000 $62,000

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 327 $48,195,000 $147,000 $855,000 $92,000 $1,300,000
Application Denied By Financial Institution 157 $16,885,000 $107,000 $465,000 $73,000 $1,000,000
Application Withdrawn By Applicant 99 $14,915,000 $150,000 $715,000 $72,000 $196,000
Loan Purchased By The Institution 81 $12,225,000 $150,000 $455,000 $85,000 $204,000
File Closed For Incompleteness 40 $5,140,000 $128,000 $465,000 $78,000 $186,000
Application Approved But Not Accepted 18 $2,320,000 $128,000 $335,000 $92,000 $220,000
Preapproval Denied by Financial Institution 1 $145,000 $145,000 $145,000 $66,000 $66,000
Preapproval Approved but not Accepted 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 530 $78,350,000 $147,000 $855,000 $86,000 $1,300,000
Debt-To-Income Ratio 84 $10,350,000 $123,000 $465,000 $77,000 $320,000
Credit History 50 $4,080,000 $81,000 $395,000 $81,000 $1,000,000
Collateral 25 $3,155,000 $126,000 $265,000 $80,000 $171,000
Other 17 $1,835,000 $107,000 $305,000 $74,000 $182,000
Credit Application Incomplete 10 $1,540,000 $154,000 $255,000 $84,000 $167,000
Employment History 3 $225,000 $75,000 $105,000 $22,000 $32,000
Insufficient Cash (Downpayment, Closing Cost) 2 $100,000 $50,000 $65,000 $53,000 $60,000
Unverifiable Information 2 $190,000 $95,000 $105,000 $59,000 $85,000
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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