Millard County, UT Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 842 mortgage applications in Millard County, UT totaling $72.2 million, down 28% from 2003. The average application was for $85,000, and applicants reported an average income of $48,000. 47% of applications resulted in an originated loan and 24% were denied. The most active lender was Zions First National Bank, with 167 applications, followed by Wells Fargo Bank, NA and Ameriquest Mortgage Company.
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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 | 842 |
| Total Mortgage Loan Application Amount | $72,238,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $390,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $960,000 |
* 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 |
|---|---|---|---|---|
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 10,650,635,000 | 167 | $ 12,600,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 58 | $ 4,501,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 44 | $ 5,082,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 44 | $ 4,189,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 32 | $ 3,052,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 27 | $ 2,500,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 25 | $ 2,174,000 |
| Wells Fargo Fin'l Utah, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 19 | $ 1,649,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 19 | $ 2,017,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 17 | $ 1,275,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 16 | $ 1,247,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 16 | $ 962,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 16 | $ 1,208,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 14 | $ 923,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 12 | $ 886,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 12 | $ 1,005,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 953,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 11 | $ 1,200,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 11 | $ 305,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 11 | $ 1,009,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 10 | $ 805,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 9 | $ 682,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE #2 MURRAY, UT 84107 |
* | $ 10,000,000 | 8 | $ 741,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 8 | $ 548,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 8 | $ 578,000 |
| M&T Mortgage Corporation 465 MAIN STREET - 5TH FLR - LAFAYETTE CT BUFFALO, NY 14203 |
* | $ 49,199,485,000 | 7 | $ 1,061,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 7 | $ 803,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 7 | $ 657,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 6 | $ 528,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 317,000 |
| Macquarie Mortgages USA, Inc. 10151 DEERWOOD PARK BLDG 100, SUITE 500 JACKSONVILLE,, FL 32256 |
* | $ 10,000,000 | 6 | $ 733,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 5 | $ 314,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 5 | $ 424,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 2,186,720,000 | 5 | $ 1,022,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 5 | $ 457,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 338,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 4 | $ 303,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 4 | $ 569,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 4 | $ 373,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 4 | $ 429,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 4 | $ 401,000 |
| Washington Mutual Bank, FSB 227 EAST AVENUE ALBION, NY 14411 |
* | $ 762,053,000 | 4 | $ 333,000 |
| Loancity 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 3 | $ 306,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 199,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 3 | $ 270,000 |
| Scme Mortgage Bankers, Inc 6265 GREENWICH DRIVE, SUITE 200 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 3 | $ 241,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 7,070,664,000 | 3 | $ 357,000 |
| Major Mortgage 6101 YELLOWSTONE ROAD, LL17 CHEYENNE, WY 82009 |
* | $ 10,000,000 | 3 | $ 200,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 3 | $ 274,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 279,481,000 | 3 | $ 96,000 |
| Far West Bank 201 EAST CENTER STREET PROVO, UT 84606 |
* | $ 305,985,000 | 3 | $ 269,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 3 | $ 314,000 |
| Comunity Lending Incorporated 610 JARVIS DRIVE SUITE 200 MORGAN HILL, CA 95037 |
* | $ 10,000,000 | 3 | $ 246,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 3 | $ 192,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 328,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 2 | $ 59,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 2 | $ 119,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 196,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 111,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 2 | $ 220,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 93,000 |
| American Lending Network 1256 SOUTH STATE STREET #201 OREM, UT 84097 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 2 | $ 268,000 |
| First Greensboro Home Equity 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 2 | $ 125,000 |
| Liberty American Mortgage Corp 2281 LAVA RIDGE CT 2ND FL ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 159,000 |
| Resmae Mortgage Corporation 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 203,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 2 | $ 205,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 2 | $ 90,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 2 | $ 335,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 87,000 |
| Moneyline Lending Services 15420 LAGUNA CANYON RD. STE. 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 225,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 90,000 |
| Washtenaw Mortgage Company 3767 RANCHERO DRIVE ANN ARBOR, MI 48108 |
* | $ 130,602,000 | 1 | $ 77,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 1,267,728,000 | 1 | $ 63,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 1 | $ 85,000 |
| Olympus Mortgage Company 1100 TOWN & COUNTRY, SUITE 460 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 68,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,183,052,000 | 1 | $ 45,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 195,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 13,721,232,000 | 1 | $ 120,000 |
| Utah Financial 189 EAST FORT UNION BLVD MIDVALE, UT 84047 |
* | $ 1,000,000,000 | 1 | $ 64,000 |
| Utah Mortgage Loan Corp 488 E 6400 S, 300 SALT LAKE CITY, UT 84107 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 49,000 |
| Heritagewest Credit Union 562 N MAIN ST. TOOELE, UT 84074 |
* | $ 165,178,000 | 1 | $ 69,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 1 | $ 116,000 |
| Southwest Community Federal CU 162 NORTH 400 EAST A101 ST. GEORGE, UT 84770 |
* | $ 94,191,000 | 1 | $ 132,000 |
| Spectrum Funding Corporation 7084 SOUTH 2300 EAST SLC, UT 84121 |
* | $ 2,028,000,000 | 1 | $ 71,000 |
| Plainscapital McAfee Mortgage 18111 PRESTON ROAD #850 DALLAS, TX 75252 |
* | $ 2,061,849,000 | 1 | $ 82,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Jordan Federal Credit Union 9260 S 300 E SANDY, UT 84070 |
* | $ 136,998,000 | 1 | $ 35,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 1 | $ 32,000 |
| First Integrity Mortgage 4465 SOUTH JONES BOULEVARD LAS VEGAS, NV 89103 |
* | $ 10,000,000 | 1 | $ 72,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 337,961,000 | 1 | $ 10,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 70,000 |
| Hamilton Mortgage Company 2700 NORTH CENTRAL AVENUE, STE 1500 PHOENIX, AZ 85004 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 1 | $ 77,000 |
| American Mortgage Express 10251 VISTA SORRENTO PARKWAY SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 124,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Altabank 33 E MAIN AMERICAN FORK, UT 84003 |
* | $ 488,958,000 | 1 | $ 144,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 1 | $ 135,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 2,723,046,000 | 1 | $ 18,000 |
| Direct Mortgage Corp 13894 S BANGERTER PARKWAY SUITE 200 DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Dollar Mortgage Corporation 7578 EL CAJON BOULEVARD LA MESA, CA 91941 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 80,000 |
| Cyprus Federal Credit Union 3876 W. CENTERVIEW WAY WEST JORDAN, UT 84084 |
* | $ 331,989,000 | 1 | $ 66,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 77,000 |
| Chevy Chase Bank, F.S.B. 7501 WISCONSIN AVE 13TH FLR-W BETHESDA,, MD 20814 |
* | $ 12,620,187,000 | 1 | $ 103,000 |
The tables below break down 2004 mortgage applications in Millard County, UT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Millard County, UT in 2004
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 | 519 | $46,825,000 | $90,000 | $390,000 | $49,000 | $960,000 |
| Home Purchase | 235 | $21,144,000 | $89,000 | $342,000 | $44,000 | $138,000 |
| Home Improvement | 88 | $4,269,000 | $48,000 | $225,000 | $53,000 | $133,000 |
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 | 651 | $55,668,000 | $85,000 | $390,000 | $51,000 | $960,000 |
| Not Provided | 94 | $8,563,000 | $91,000 | $342,000 | $52,000 | $291,000 |
| Hispanic | 43 | $3,290,000 | $76,000 | $135,000 | $35,000 | $102,000 |
| Not applicable | 37 | $3,107,000 | $83,000 | $207,000 | $5,000 | $75,000 |
| American Indian or Alaskan Native | 8 | $815,000 | $101,000 | $264,000 | $56,000 | $101,000 |
| Asian | 7 | $592,000 | $84,000 | $175,000 | $60,000 | $110,000 |
| Black or African American | 1 | $83,000 | $83,000 | $83,000 | $53,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $55,000 | $55,000 |
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) | 762 | $64,896,000 | $85,000 | $390,000 | $50,000 | $960,000 |
| FHA-insured (Federal Housing Administration) | 53 | $4,614,000 | $87,000 | $142,000 | $35,000 | $83,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,119,000 | $96,000 | $153,000 | $37,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 5 | $609,000 | $121,000 | $218,000 | $13,000 | $42,000 |
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 | 395 | $32,696,000 | $82,000 | $342,000 | $50,000 | $291,000 |
| Application Denied By Financial Institution | 203 | $17,044,000 | $83,000 | $333,000 | $49,000 | $285,000 |
| Loan Purchased By The Institution | 79 | $7,239,000 | $91,000 | $225,000 | $25,000 | $108,000 |
| Application Approved But Not Accepted | 72 | $6,393,000 | $88,000 | $327,000 | $42,000 | $240,000 |
| Application Withdrawn By Applicant | 63 | $5,716,000 | $90,000 | $390,000 | $60,000 | $204,000 |
| File Closed For Incompleteness | 30 | $3,150,000 | $105,000 | $247,000 | $54,000 | $960,000 |
| 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 | 60 | $4,625,000 | $77,000 | $232,000 | $50,000 | $185,000 |
| Other | 40 | $3,873,000 | $96,000 | $301,000 | $50,000 | $222,000 |
| Collateral | 22 | $1,978,000 | $89,000 | $333,000 | $66,000 | $285,000 |
| Credit Application Incomplete | 17 | $1,492,000 | $87,000 | $210,000 | $52,000 | $216,000 |
| Debt-To-Income Ratio | 16 | $1,056,000 | $66,000 | $109,000 | $34,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $447,000 | $149,000 | $184,000 | $64,000 | $78,000 |
| Unverifiable Information | 2 | $115,000 | $57,000 | $91,000 | $44,000 | $65,000 |
| Mortgage Insurance Denied | 1 | $122,000 | $122,000 | $122,000 | $55,000 | $55,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $17,000 | $17,000 |
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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