Monroe County, IL Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,111 mortgage applications in Monroe County, IL totaling $217.9 million, down 27% from 2022. The average application was for $196,000, and applicants reported an average income of $134,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Fairway Independent Mort Corp, with 65 applications, followed by Regions Bank and First National Bank of Waterloo.
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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 | 1,111 |
| Total Mortgage Loan Application Amount | $217,885,000 |
| Average Mortgage Loan Application Amount | $196,000 |
| Highest Mortgage Loan Application Amount | $1,345,000 |
| Average Applicant Income | $134,000 |
| Highest Applicant Income | $5,150,000 |
* 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 |
|---|---|---|---|---|
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 65 | $ 17,445,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 64 | $ 5,560,000 |
| First National Bank of Waterloo 228 S. MAIN STREET, P.O. BOX 507 WATERLOO, IL 62298 |
* | $ 839,634,000 | 61 | $ 12,325,000 |
| State Bank 885 N ILLINOIS ROUTE 3 WATERLOO, IL 62298 |
* | $ 313,905,000 | 56 | $ 13,270,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,751,826,000 | 55 | $ 8,245,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 51 | $ 12,425,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 50 | $ 8,770,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 3,868,571,000 | 47 | $ 5,585,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 30 | $ 2,070,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 2,111,560,000 | 27 | $ 4,885,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 24 | $ 2,560,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 19 | $ 4,905,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 18 | $ 4,120,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 7,845,713,000 | 18 | $ 1,570,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 3,135,836,000 | 17 | $ 4,115,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 17 | $ 1,695,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 17 | $ 3,975,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 17 | $ 3,825,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 16 | $ 5,500,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 15 | $ 4,245,000 |
| Dieterich Bank 300 SUR WOODS DRIVE EFFINGHAM, IL 62401 |
* | $ 1,273,483,000 | 15 | $ 1,915,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 13 | $ 595,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 13 | $ 1,665,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 13 | $ 2,705,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 12 | $ 3,260,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 12 | $ 2,970,000 |
| Buena Vista National Bank 1309 SWANWICK STREET CHESTER, IL 62233 |
* | $ 266,369,000 | 12 | $ 2,420,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 11 | $ 3,105,000 |
| Bank of Belleville 215 S ILLINOIS ST BELLEVILLE, IL 62220 |
* | $ 428,906,000 | 11 | $ 3,065,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 3,115,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 2,446,950,000 | 10 | $ 1,230,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 10 | $ 2,240,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 9 | $ 1,965,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 8 | $ 1,890,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,660,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 7 | $ 1,335,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 7 | $ 2,015,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 1,195,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 2,220,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,436,322,000 | 6 | $ 720,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 6 | $ 1,150,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 6 | $ 2,240,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 1,500,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 1,025,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 5 | $ 795,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 1,315,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 5 | $ 225,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 5 | $ 1,095,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 1,205,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 12,354,380,000 | 4 | $ 1,060,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 4 | $ 610,000 |
| Midwest Bankcentre 2191 LEMAY FERRY ROAD LEMAY SAINT LOUIS, MO 63125 |
* | $ 2,556,235,000 | 4 | $ 820,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 4 | $ 780,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 12,304,953,000 | 4 | $ 350,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 430,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 4 | $ 220,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 4 | $ 1,100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 1,120,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 534,540,000 | 3 | $ 915,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 585,000 |
| Citizens Community Bank 9 E MAIN ST MASCOUTAH, IL 62258 |
* | $ 483,180,000 | 3 | $ 195,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 3 | $ 655,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 575,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 3 | $ 545,000 |
| Family Finance Mortgage LLC 1787 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ -1,000 | 3 | $ 1,015,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 325,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 3 | $ 455,000 |
| Cornerstone First Mortgage, LLC 2655 CAMINO DEL RIO N #450 SAN DIEGO, CA 92108 |
* | $ -1,000 | 3 | $ 825,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 21,228,609,000 | 3 | $ 725,000 |
| Bank of Springfield 2600 STEVENSON DRIVE SPRINGFIELD, IL 62711 |
* | $ 1,441,880,000 | 3 | $ 1,465,000 |
| Neighbors Credit Union 6300 S LINDBERGH BLVD SAINT LOUIS, MO 63123 |
* | $ 513,159,000 | 3 | $ 185,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,550,980,000 | 2 | $ 230,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 2 | $ 570,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 6,704,869,000 | 2 | $ 390,000 |
| First Federal Savings Bank of Mascoutah 101 W MAIN STREET MASCOUTAH, IL 62258 |
* | $ 167,609,000 | 2 | $ 480,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 410,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 720,000 |
| Arsenal Credit Union 3780 VOGEL ROAD ARNOLD, MO 63010 |
* | $ 383,431,000 | 2 | $ 110,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 420,000 |
| Bank of Washington P.O. BOX 377 WASHINGTON, MO 63090 |
* | $ 980,781,000 | 2 | $ 1,660,000 |
| Germantown Trust & Savings Bank 205 N GERMANTOWN ROAD BREESE, IL 62230 |
* | $ 460,594,000 | 2 | $ 360,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 2 | $ 150,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 510,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 2 | $ 140,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 2 | $ 550,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ 433,121,000 | 1 | $ 25,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 155,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ -1,000 | 1 | $ 155,000 |
| Lendsure Mortgage Corp. 16959 BERNARDO CENTER DR, #102 SAN DIEGO, CA 92128 |
* | $ -1,000 | 1 | $ 455,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 38,279,055,000 | 1 | $ 385,000 |
| Semper Home Loans, Inc 225 DUPONT DRIVE PROVIDENCE, RI 02907 |
* | $ -1,000 | 1 | $ 185,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 235,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,913,413,000 | 1 | $ 155,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 933,136,000 | 1 | $ 405,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 176,980,258,000 | 1 | $ 205,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,481,805,000 | 1 | $ 415,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 295,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 215,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 315,000 |
| Bank of Pontiac 300 W WASHINGTON ST PONTIAC, IL 61764 |
* | $ 987,787,000 | 1 | $ 75,000 |
| Frontier Financial, Inc. dba Frontier Mortgage 16647 CHESTERFIELD GROVE ROAD, SUITE 100 CHESTERFIELD, MO 63005 |
* | $ -1,000 | 1 | $ 215,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 12,493,973,000 | 1 | $ 425,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 345,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 17,893,084,000 | 1 | $ 305,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 155,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 1 | $ 215,000 |
| Franklin Mint Federal Credit Union 5 HILLMAN DRIVE CHADDS FORD, PA 19317 |
* | $ 1,786,496,000 | 1 | $ 5,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 475,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,517,837,000 | 1 | $ 465,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 205,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 425,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 1 | $ 275,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 235,000 |
| Lakeview Community Capital 4425 PONE DE LEON BLVD, MS 5-251 CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 85,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 235,000 |
| Enterprise Bank & Trust 150 N. MERAMEC AVE. CLAYTON, MO 63105 |
* | $ 13,020,948,000 | 1 | $ 65,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 185,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 185,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 75,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 3,450,913,000 | 1 | $ 255,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 3,078,918,000 | 1 | $ 65,000 |
| First State Bank of Campbell Hill 114 W FRONT STREET CAMPBELL HILL, IL 62916 |
* | $ 148,456,000 | 1 | $ 125,000 |
| Trustbank 600 EAST MAIN STREET, PO BOX 158 OLNEY, IL 62450 |
* | $ 469,976,000 | 1 | $ 205,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 255,000 |
| Bank Star 1999 W OSAGE PACIFIC, MO 63069 |
* | $ 185,380,000 | 1 | $ 285,000 |
| Community Bank of Trenton 104 EAST BROADWAY TRENTON, IL 62293 |
* | $ 108,240,000 | 1 | $ 685,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 255,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 495,000 |
| Alliance Credit Union 1280 S HIGHWAY DR FENTON, MO 63026 |
* | $ 365,634,000 | 1 | $ 75,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 55,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 1 | $ 185,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ 948,158,000 | 1 | $ 245,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 35,000 |
The tables below break down 2023 mortgage applications in Monroe County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Monroe County, IL in 2023
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 | 589 | $155,505,000 | $264,000 | $1,275,000 | $132,000 | $2,167,000 |
| Other Purpose | 167 | $11,315,000 | $67,000 | $325,000 | $121,000 | $790,000 |
| Home Improvement | 138 | $9,040,000 | $65,000 | $255,000 | $182,000 | $5,150,000 |
| Cash-out Refinancing | 120 | $22,390,000 | $186,000 | $1,345,000 | $102,000 | $440,000 |
| Refinancing | 95 | $19,375,000 | $203,000 | $1,205,000 | $140,000 | $768,000 |
| Not Applicable | 2 | $260,000 | $130,000 | $185,000 | $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 | 908 | $176,170,000 | $194,000 | $1,345,000 | $130,000 | $2,167,000 |
| Not applicable | 90 | $21,120,000 | $234,000 | $1,275,000 | $65,000 | $85,000 |
| Not Provided | 87 | $16,535,000 | $190,000 | $725,000 | $184,000 | $5,150,000 |
| Hispanic | 15 | $2,505,000 | $167,000 | $775,000 | $119,000 | $255,000 |
| American Indian or Alaskan Native | 5 | $455,000 | $91,000 | $265,000 | $116,000 | $190,000 |
| Asian | 3 | $585,000 | $195,000 | $255,000 | $89,000 | $96,000 |
| Black or African American | 2 | $450,000 | $225,000 | $245,000 | $130,000 | $148,000 |
| 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) | 889 | $158,615,000 | $178,000 | $1,345,000 | $140,000 | $5,150,000 |
| FHA-insured (Federal Housing Administration) | 127 | $29,855,000 | $235,000 | $485,000 | $99,000 | $327,000 |
| VA-guaranteed (Veterans Administration) | 87 | $28,025,000 | $322,000 | $775,000 | $122,000 | $313,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,390,000 | $173,000 | $255,000 | $78,000 | $108,000 |
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 | 671 | $140,785,000 | $209,000 | $1,345,000 | $134,000 | $2,167,000 |
| Application Denied By Financial Institution | 173 | $20,315,000 | $117,000 | $485,000 | $145,000 | $5,150,000 |
| Application Withdrawn By Applicant | 111 | $24,165,000 | $217,000 | $585,000 | $127,000 | $340,000 |
| Loan Purchased By The Institution | 90 | $21,230,000 | $235,000 | $775,000 | $91,000 | $189,000 |
| File Closed For Incompleteness | 36 | $5,310,000 | $147,000 | $355,000 | $141,000 | $440,000 |
| Application Approved But Not Accepted | 28 | $5,750,000 | $205,000 | $975,000 | $130,000 | $372,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $83,000 | $83,000 |
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 | 866 | $180,400,000 | $208,000 | $1,345,000 | $127,000 | $1,148,000 |
| Debt-To-Income Ratio | 128 | $23,760,000 | $185,000 | $975,000 | $137,000 | $2,167,000 |
| Credit History | 53 | $4,515,000 | $85,000 | $345,000 | $117,000 | $350,000 |
| Collateral | 35 | $4,895,000 | $139,000 | $485,000 | $308,000 | $5,150,000 |
| Other | 12 | $1,660,000 | $138,000 | $435,000 | $150,000 | $515,000 |
| Credit Application Incomplete | 11 | $1,605,000 | $145,000 | $425,000 | $113,000 | $171,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $545,000 | $181,000 | $335,000 | $123,000 | $202,000 |
| Unverifiable Information | 2 | $440,000 | $220,000 | $345,000 | $115,000 | $173,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| 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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