Miller County, MO Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,040 mortgage applications in Miller County, MO totaling $198.1 million, up 11% from 2023. The average application was for $190,000, and applicants reported an average income of $104,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was The Central Trust Bank, with 225 applications, followed by Flat Branch Mortgage, Inc. and PennyMac Loan Services LLC.
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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 | 1,040 |
| Total Mortgage Loan Application Amount | $198,080,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $1,345,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $1,835,000 |
* 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 |
|---|---|---|---|---|
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 225 | $ 33,855,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 73 | $ 15,365,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 46 | $ 10,050,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ n/a | 46 | $ 9,510,000 |
| Infuze Credit Union 1300 U.S. RT. 66 WAYNESVILLE, MO 65583 |
* | $ n/a | 39 | $ 4,175,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 28 | $ 4,340,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ n/a | 24 | $ 3,380,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ n/a | 21 | $ 4,455,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 21 | $ 2,265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 21 | $ 6,315,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 20 | $ 5,240,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 16 | $ 4,370,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 14 | $ 2,120,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ n/a | 14 | $ 1,390,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 14 | $ 2,700,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 13 | $ 3,665,000 |
| Community Point Bank 13218 RAILROAD AVE PO BOX 457 RUSSELLVILLE, MO 65074 |
* | $ n/a | 13 | $ 3,345,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 13 | $ 3,655,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 13 | $ 2,755,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 13 | $ 2,175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 12 | $ 2,130,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 11 | $ 1,625,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 11 | $ 775,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 11 | $ 1,505,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 11 | $ 1,365,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 10 | $ 2,320,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 9 | $ 2,025,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 9 | $ 1,485,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 2,505,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 1,020,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 780,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 8 | $ 900,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 7 | $ 1,035,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ n/a | 7 | $ 505,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 1,225,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ n/a | 6 | $ 550,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ n/a | 6 | $ 1,400,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 6 | $ 1,310,000 |
| Patriots Bank 131 E 4TH AVE PO BOX 327 GARNETT, KS 66032 |
* | $ n/a | 6 | $ 3,400,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 1,965,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 5 | $ 935,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,660,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 850,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 4 | $ 1,830,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ n/a | 4 | $ 1,320,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ n/a | 4 | $ 720,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ n/a | 3 | $ 845,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ n/a | 3 | $ 565,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ n/a | 3 | $ 665,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 3 | $ 485,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ n/a | 3 | $ 375,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 615,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 665,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 745,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 3 | $ 715,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 915,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 3 | $ 595,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 595,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 2 | $ 500,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 2 | $ 680,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ n/a | 2 | $ 320,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 310,000 |
| Resmac Inc WEST COVINA, CA 91792 |
* | $ n/a | 2 | $ 360,000 |
| Neighbors Credit Union 6300 S LINDBERGH BLVD SAINT LOUIS, MO 63123 |
* | $ n/a | 2 | $ 510,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 320,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ n/a | 2 | $ 960,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 120,000 |
| Emporium Tpo LLC FRISCO, TX 75034 |
* | $ n/a | 2 | $ 390,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 2 | $ 570,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 320,000 |
| West Gate Bank 6003 OLD CHENEY ROAD LINCOLN, NE 68516 |
* | $ n/a | 2 | $ 380,000 |
| Fcs Financial Flca 1930 E MILLER ST JEFFERSON CITY, MO 65101 |
* | $ n/a | 2 | $ 850,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 100,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 2 | $ 1,060,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ n/a | 2 | $ 410,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 2 | $ 470,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ n/a | 2 | $ 270,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 2 | $ 290,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 585,000 |
| The Tipton Latham Bank, NA 800 W. HWY 50; PO BOX 759 TIPTON, MO 65081 |
* | $ n/a | 1 | $ 325,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 165,000 |
| Electro Savings Credit Union 1805 CRAIGSHIRE ROAD ST. LOUIS, MO 63146 |
* | $ n/a | 1 | $ 125,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ n/a | 1 | $ 555,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ n/a | 1 | $ 165,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ n/a | 1 | $ 125,000 |
| Conservation Emp Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65109 |
* | $ n/a | 1 | $ 215,000 |
| Great River Federal CU 1532 W ST GERMAIN STREET ST CLOUD, MN 56301 |
* | $ n/a | 1 | $ 245,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 425,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ n/a | 1 | $ 45,000 |
| Btc Bank 1201-2 US-65 BUSINESS BETHANY, MO 64424 |
* | $ n/a | 1 | $ 95,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 305,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 55,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ n/a | 1 | $ 345,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 335,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 135,000 |
| Peoples Bank & Trust Co. 430 E. WOOD STREET TROY, MO 63379 |
* | $ n/a | 1 | $ 175,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 325,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ n/a | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 175,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 565,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 275,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ n/a | 1 | $ 195,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 255,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 295,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 305,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 145,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ n/a | 1 | $ 245,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 225,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 585,000 |
| Bank of Utah 2605 WASHINGTON BOULEVARD OGDEN, UT 84401 |
* | $ n/a | 1 | $ 185,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 45,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 245,000 |
| Montgomery Bank P.O. BOX 948 SIKESTON, MO 63801 |
* | $ n/a | 1 | $ 255,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 5,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ n/a | 1 | $ 195,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 175,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 385,000 |
| Farmers Insurance Federal Credit Union 4601 WILSHIRE BL. STE 110 BURBANK, CA 91504 |
* | $ n/a | 1 | $ 355,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ n/a | 1 | $ 265,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 195,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ n/a | 1 | $ 155,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 175,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 135,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ n/a | 1 | $ 195,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 255,000 |
| Midwest Bankcentre 2191 LEMAY FERRY ROAD LEMAY SAINT LOUIS, MO 63125 |
* | $ n/a | 1 | $ 485,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ n/a | 1 | $ 585,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2024 mortgage applications in Miller County, MO 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, MO in 2024
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 | 560 | $124,990,000 | $223,000 | $1,345,000 | $107,000 | $1,319,000 |
| Cash-out Refinancing | 192 | $33,080,000 | $172,000 | $715,000 | $107,000 | $1,835,000 |
| Other Purpose | 104 | $8,300,000 | $79,000 | $505,000 | $92,000 | $565,000 |
| Refinancing | 104 | $24,060,000 | $231,000 | $875,000 | $95,000 | $565,000 |
| Home Improvement | 80 | $7,650,000 | $95,000 | $505,000 | $104,000 | $800,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 810 | $145,770,000 | $179,000 | $885,000 | $103,000 | $1,835,000 |
| Not applicable | 125 | $29,365,000 | $234,000 | $1,345,000 | $108,000 | $108,000 |
| Not Provided | 69 | $15,825,000 | $229,000 | $845,000 | $132,000 | $916,000 |
| Hispanic | 19 | $3,605,000 | $189,000 | $325,000 | $87,000 | $142,000 |
| Black or African American | 9 | $2,065,000 | $229,000 | $675,000 | $94,000 | $179,000 |
| American Indian or Alaskan Native | 5 | $855,000 | $171,000 | $305,000 | $67,000 | $112,000 |
| Asian | 3 | $595,000 | $198,000 | $295,000 | $74,000 | $77,000 |
| 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) | 733 | $128,045,000 | $174,000 | $1,345,000 | $111,000 | $1,835,000 |
| FHA-insured (Federal Housing Administration) | 134 | $27,120,000 | $202,000 | $395,000 | $71,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 114 | $32,370,000 | $283,000 | $885,000 | $101,000 | $314,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $10,545,000 | $178,000 | $305,000 | $70,000 | $138,000 |
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 | 536 | $109,920,000 | $205,000 | $1,345,000 | $119,000 | $1,835,000 |
| Application Denied By Financial Institution | 189 | $25,675,000 | $135,000 | $675,000 | $71,000 | $800,000 |
| Application Withdrawn By Applicant | 127 | $26,555,000 | $209,000 | $715,000 | $112,000 | $668,000 |
| Loan Purchased By The Institution | 114 | $24,650,000 | $216,000 | $885,000 | $99,000 | $477,000 |
| File Closed For Incompleteness | 40 | $5,950,000 | $148,000 | $515,000 | $80,000 | $296,000 |
| Application Approved But Not Accepted | 26 | $3,940,000 | $151,000 | $385,000 | $75,000 | $274,000 |
| Preapproval Denied by Financial Institution | 6 | $1,020,000 | $170,000 | $305,000 | $59,000 | $85,000 |
| Preapproval Approved but not Accepted | 2 | $370,000 | $185,000 | $285,000 | $114,000 | $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 | 740 | $149,820,000 | $202,000 | $935,000 | $113,000 | $1,835,000 |
| Debt-To-Income Ratio | 167 | $30,435,000 | $182,000 | $1,345,000 | $94,000 | $401,000 |
| Credit History | 68 | $6,860,000 | $100,000 | $565,000 | $60,000 | $151,000 |
| Collateral | 34 | $4,640,000 | $136,000 | $495,000 | $90,000 | $195,000 |
| Credit Application Incomplete | 15 | $2,995,000 | $199,000 | $505,000 | $120,000 | $800,000 |
| Unverifiable Information | 7 | $1,405,000 | $200,000 | $565,000 | $62,000 | $88,000 |
| Other | 5 | $825,000 | $165,000 | $425,000 | $70,000 | $184,000 |
| Employment History | 2 | $360,000 | $180,000 | $285,000 | $54,000 | $56,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $740,000 | $370,000 | $445,000 | $104,000 | $154,000 |
| 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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