Miller County, AR Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 2,113 mortgage applications in Miller County, AR totaling $309.1 million, up 40% from 2019. The average application was for $146,000, and applicants reported an average income of $85,000. 49% of applications resulted in an originated loan and 18% were denied. The most active lender was 21st Mortgage, with 150 applications, followed by Red River Employees Federal Credit Union and Regions Bank.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Arkansas.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,113
Total Mortgage Loan Application Amount $309,055,000
Average Mortgage Loan Application Amount $146,000
Highest Mortgage Loan Application Amount $1,415,000
Average Applicant Income $85,000
Highest Applicant Income $1,349,000

Mortgage Company List for Lending in Miller County, AR for 2020

* 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
* $ -1,000 150 $ 10,840,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 1,005,002,000 128 $ 13,100,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 111 $ 11,005,000
Texar Federal Credit Union
2301 RICHMOND RD
TEXARKANA, TX 75503
* $ 345,713,000 102 $ 13,610,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 84 $ 14,510,000
Farmers Bank & Trust
200 E MAIN ST
MAGNOLIA, AR 71753
* $ 1,724,820,000 81 $ 15,215,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ -1,000 76 $ 13,190,000
State Bank of De Kalb
102 S RUNNELS
DE KALB, TX 75559
* $ 266,343,000 70 $ 14,640,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 56 $ 11,770,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 51 $ 7,235,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 47 $ 3,315,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 46 $ 5,590,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 44 $ 3,190,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 21,061,188,000 41 $ 5,795,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 38 $ 6,230,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 38 $ 7,090,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 34 $ 4,990,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 33 $ 5,625,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 31 $ 5,355,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 30 $ 2,150,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 27 $ 5,715,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 24 $ 4,800,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 24 $ 3,810,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 23 $ 4,965,000
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ 2,318,497,000 23 $ 4,035,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 22 $ 4,100,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 217,610,000 21 $ 3,465,000
Farm Credit Services of Western Arkansas
3115 WEST SECOND COURT
RUSSELLVILLE, AR 72802
* $ -1,000 19 $ 3,685,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 19 $ 1,595,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 19 $ 4,105,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 18 $ 3,020,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 17 $ 3,335,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 17 $ 855,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 16 $ 2,490,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 16 $ 1,490,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 16 $ 2,250,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 15 $ 2,025,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ -1,000 14 $ 2,350,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 13 $ 2,165,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 12 $ 1,820,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 12 $ 2,330,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 11 $ 2,645,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 11 $ 2,135,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 11 $ 955,000
Diamond Bank
PO BOX 10
GLENWOOD, AR 71943
* $ 642,288,000 11 $ 2,345,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 10 $ 1,510,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 9 $ 1,175,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 23,559,400,000 9 $ 705,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 9 $ 1,015,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 8 $ 1,180,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 8 $ 1,020,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 7 $ 745,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 7 $ 1,145,000
The First National Bank of Tom Bean
109 S. BRITTON
TOM BEAN, TX 75489
* $ 120,021,000 7 $ 1,185,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 7 $ 1,345,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,240,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,040,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 6 $ 1,470,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,155,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 5 $ 845,000
The First National Bank of Hughes Springs
PO BOX 188
HUGHES SPRINGS, TX 75656
* $ 267,974,000 4 $ 320,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 4 $ 600,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 4 $ 1,030,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 4 $ 320,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 4 $ 830,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 4 $ 600,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 4 $ 680,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 900,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 660,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 235,000
Generations Bank
20 EAST BAYARD STREET
SENECA FALLS, NY 13148
* $ 347,773,000 3 $ 135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 525,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 3 $ 465,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 365,000
Horatio State Bank
PO BOX 347
HORATIO, AR 71842
* $ 225,655,000 3 $ 155,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 3 $ 635,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 505,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 3 $ 375,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 295,000
Members Cooperative Credit Union
4628 MIKE COLALILLO DR
DULUTH, MN 55816
* $ 796,073,000 3 $ 305,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 505,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 715,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 500,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 2 $ 370,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 310,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 50,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 400,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 397,795,000 2 $ 240,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ 1,286,507,000 2 $ 370,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 300,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 2 $ 150,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 230,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 60,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 310,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 250,000
Progressive Bank
1411 NORTH 19TH STREET, P O BOX 4053
MONROE, LA 71201
* $ 585,336,000 2 $ 1,710,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 670,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 460,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 380,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 2 $ 370,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 285,000
Inwood National Bank
7621 INWOOD RD
DALLAS, TX 75209
* $ 3,038,098,000 1 $ 145,000
Farm Credit Services of Western Arkansas
3115 W 2ND CT
RUSSELLVILLE, AR 72802
* $ -1,000 1 $ 65,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 125,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 185,000
Axiom Bank, N.A.
258 SOUTHHALL LN SUITE 400
MAITLAND, FL 32751
* $ 672,019,000 1 $ 95,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,298,764,000 1 $ 1,165,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 493,429,000 1 $ 55,000
Hamilton Mortgage Corporation
2850 19TH ST S, SUITE 300
BIRMINGHAM, AL 35209
* $ -1,000 1 $ 115,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 12,223,127,000 1 $ 25,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 17,659,319,000 1 $ 75,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 145,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ 497,331,000 1 $ 135,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 135,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 185,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 35,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 205,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 125,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ 953,666,000 1 $ 65,000
Fnbc Bank
636 ASH FLAT DR
ASH FLAT, AR 72513
* $ -1,000 1 $ 95,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 75,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 185,000
Bartlett Mortgage Inc.
2860 STAGE VILLAGE COVE
BARTLETT, TN 38133
* $ -1,000 1 $ 365,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 95,000
American National Bank of Texa
102 W MOORE AVENUE
TERRELL, TX 75160
* $ 3,466,962,000 1 $ 115,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 205,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 1 $ 195,000
The City National Bank of Sulphur Springs
1108 S BROADWAY ST
SULPHUR SPRINGS, TX 75482
* $ 769,422,000 1 $ 165,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 1 $ 25,000
Home Federal Bank
222 FLORIDA STREET
SHREVEPORT, LA 71105
* $ 455,773,000 1 $ 1,005,000
Citizens Bank and Trust Co
PO BOX 992
VIVIAN, LA 71082
* $ 138,624,000 1 $ 205,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 85,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 75,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 235,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 185,000
Pilgrim Mortgage LLC
1270 N LOOP 1604 E STE 1101
SAN ANTONIO, TX 78232
* $ -1,000 1 $ 65,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ -1,000 1 $ 175,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 1 $ 105,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 195,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 125,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 285,000
First Security Bank
PO BOX 938
CONWAY, AR 72033
* $ 5,828,222,000 1 $ 355,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 15,015,801,000 1 $ 125,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 195,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 85,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 55,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 145,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 125,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 75,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 95,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 7,658,628,000 1 $ 165,000

The tables below break down 2020 mortgage applications in Miller County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Miller County, AR in 2020

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 1,068 $143,420,000 $134,000 $1,005,000 $75,000 $1,349,000
Refinancing 674 $115,150,000 $170,000 $1,415,000 $97,000 $664,000
Cash-out Refinancing 244 $40,370,000 $165,000 $545,000 $100,000 $639,000
Other Purpose 49 $3,885,000 $79,000 $395,000 $111,000 $1,080,000
Home Improvement 47 $3,205,000 $68,000 $165,000 $70,000 $180,000
Not Applicable 31 $3,025,000 $97,000 $225,000 $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 1,408 $204,850,000 $145,000 $1,415,000 $89,000 $1,233,000
Black or African American 248 $31,510,000 $127,000 $475,000 $60,000 $327,000
Not applicable 242 $39,510,000 $163,000 $1,165,000 $83,000 $514,000
Not Provided 140 $21,530,000 $153,000 $855,000 $91,000 $1,349,000
Hispanic 56 $8,860,000 $158,000 $425,000 $71,000 $346,000
American Indian or Alaskan Native 14 $1,690,000 $120,000 $275,000 $76,000 $235,000
Asian 4 $1,000,000 $250,000 $365,000 $100,000 $130,000
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) 1,524 $215,460,000 $141,000 $1,415,000 $91,000 $1,349,000
FHA-insured (Federal Housing Administration) 342 $50,230,000 $146,000 $335,000 $58,000 $271,000
VA-guaranteed (Veterans Administration) 228 $40,840,000 $179,000 $475,000 $64,000 $309,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $2,525,000 $132,000 $205,000 $53,000 $81,000

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 1,040 $165,330,000 $158,000 $1,415,000 $89,000 $664,000
Application Denied By Financial Institution 372 $36,200,000 $97,000 $405,000 $69,000 $1,080,000
Loan Purchased By The Institution 280 $50,800,000 $181,000 $515,000 $102,000 $594,000
Application Withdrawn By Applicant 190 $29,510,000 $155,000 $545,000 $80,000 $520,000
File Closed For Incompleteness 117 $13,585,000 $116,000 $475,000 $81,000 $1,200,000
Application Approved But Not Accepted 73 $8,685,000 $118,000 $855,000 $116,000 $1,349,000
Preapproval Denied by Financial Institution 28 $2,780,000 $99,000 $285,000 $44,000 $89,000
Preapproval Approved but not Accepted 13 $2,165,000 $166,000 $245,000 $70,000 $145,000

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 1,521 $244,195,000 $160,000 $1,165,000 $88,000 $1,233,000
Debt-To-Income Ratio 308 $38,480,000 $124,000 $1,415,000 $79,000 $1,349,000
Credit History 193 $14,875,000 $77,000 $355,000 $61,000 $900,000
Collateral 27 $3,915,000 $145,000 $395,000 $96,000 $600,000
Credit Application Incomplete 23 $2,405,000 $104,000 $205,000 $141,000 $1,080,000
Other 21 $3,185,000 $151,000 $355,000 $95,000 $240,000
Unverifiable Information 14 $1,390,000 $99,000 $245,000 $111,000 $294,000
Insufficient Cash (Downpayment, Closing Cost) 5 $455,000 $91,000 $125,000 $50,000 $78,000
Employment History 1 $155,000 $155,000 $155,000 $72,000 $72,000
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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