Monroe County, MS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,543 mortgage applications in Monroe County, MS totaling $188.1 million, up 4% from 2020. The average application was for $121,000, and applicants reported an average income of $70,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Renasant Bank, with 241 applications, followed by 21st Mortgage and Community Bank of Mississippi.
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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 | 1,543 |
| Total Mortgage Loan Application Amount | $188,055,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $5,052,000 |
* 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 |
|---|---|---|---|---|
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 241 | $ 29,315,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 211 | $ 17,425,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 142 | $ 16,260,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 103 | $ 11,495,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 55 | $ 8,725,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 43 | $ 2,905,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 37 | $ 7,125,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 29 | $ 4,355,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 28 | $ 2,570,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 26 | $ 2,200,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 25 | $ 2,555,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 23 | $ 3,305,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 22 | $ 3,570,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 22 | $ 1,360,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 21 | $ 3,385,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 17,778,013,000 | 19 | $ 1,745,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 19 | $ 3,185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 18 | $ 2,290,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 16 | $ 2,570,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 2,420,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 14 | $ 1,210,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 12 | $ 1,480,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 2,080,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 12 | $ 1,790,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 12 | $ 1,640,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 11 | $ 975,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,395,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 11 | $ 1,855,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 10 | $ 1,160,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 9 | $ 215,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 9 | $ 1,575,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 8 | $ 980,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 8 | $ 1,430,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 1,278,148,000 | 8 | $ 1,030,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 7 | $ 1,465,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 7 | $ 435,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,971,297,000 | 7 | $ 695,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,110,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 5 | $ 1,065,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 595,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 4 | $ 610,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 820,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 640,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 4 | $ 130,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 4 | $ 490,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 205,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 115,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 245,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 3 | $ 525,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 595,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 635,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 3 | $ 765,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 425,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 3 | $ 355,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 3 | $ 615,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 3 | $ 435,000 |
| First National Bank 341 MILITARY STREET SOUTH HAMILTON, AL 35570 |
* | $ 295,787,000 | 3 | $ 235,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 345,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 2 | $ 120,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 430,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 350,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 460,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 5,294,103,000 | 2 | $ 340,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 300,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 230,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,898,751,000 | 2 | $ 190,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,005,002,000 | 2 | $ 210,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 250,000 |
| Nqm Funding, LLC E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 370,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 260,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 430,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 690,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 2 | $ 190,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 270,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,165,396,000 | 2 | $ 110,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 2 | $ 250,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 2 | $ 540,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 300,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 340,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 360,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 2 | $ 250,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 135,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 760,123,000 | 1 | $ 275,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,052,781,000 | 1 | $ 115,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 215,000 |
| Priorityone Bank 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 696,736,000 | 1 | $ 275,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 125,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 43,126,164,000 | 1 | $ 225,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,235,138,000 | 1 | $ 445,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,421,227,000 | 1 | $ 175,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 95,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 195,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 65,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 1 | $ 175,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 185,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 1 | $ 215,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 26,468,603,000 | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 195,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ 796,073,000 | 1 | $ 175,000 |
| American Home Lending USA, LLC 230 S BUCHANAN ST, STE A EDWARDSVILLE, IL 62025 |
* | $ -1,000 | 1 | $ 165,000 |
| The Bank of Fayette County 1265 HWY 57 EAST COLLIERVILLE, TN 38017 |
* | $ 656,486,000 | 1 | $ 105,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 175,000 |
| Hope Federal Credit Union 4 OLD RIVER PLACE JACKSON, MS 39202 |
* | $ 307,051,000 | 1 | $ 105,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,712,795,000 | 1 | $ 105,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 175,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ -1,000 | 1 | $ 265,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 441,962,000 | 1 | $ 205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 45,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 389,451,000 | 1 | $ 195,000 |
| Suncoast Credit Union 6801 E HILLSBOROUGH AVE TAMPA, FL 33610 |
* | $ 10,534,614,000 | 1 | $ 45,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 25,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 115,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ 1,710,266,000 | 1 | $ 65,000 |
| Austin Capital Bank SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 139,109,000 | 1 | $ 85,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 65,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 497,331,000 | 1 | $ 95,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 165,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 75,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2021 mortgage applications in Monroe County, MS 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, MS in 2021
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 | 829 | $101,805,000 | $122,000 | $655,000 | $63,000 | $5,052,000 |
| Refinancing | 409 | $51,465,000 | $125,000 | $465,000 | $84,000 | $642,000 |
| Cash-out Refinancing | 204 | $29,620,000 | $145,000 | $525,000 | $75,000 | $473,000 |
| Other Purpose | 59 | $2,745,000 | $46,000 | $205,000 | $66,000 | $245,000 |
| Home Improvement | 38 | $2,240,000 | $58,000 | $455,000 | $87,000 | $500,000 |
| Not Applicable | 4 | $180,000 | $45,000 | $105,000 | $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 | 923 | $117,715,000 | $127,000 | $655,000 | $79,000 | $5,052,000 |
| Black or African American | 394 | $38,440,000 | $97,000 | $465,000 | $47,000 | $170,000 |
| Not Provided | 116 | $17,520,000 | $151,000 | $455,000 | $74,000 | $300,000 |
| Not applicable | 82 | $11,260,000 | $137,000 | $495,000 | $96,000 | $155,000 |
| Hispanic | 14 | $1,510,000 | $107,000 | $245,000 | $101,000 | $329,000 |
| Asian | 7 | $1,005,000 | $143,000 | $185,000 | $105,000 | $190,000 |
| American Indian or Alaskan Native | 5 | $455,000 | $91,000 | $235,000 | $52,000 | $121,000 |
| 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) | 1,090 | $119,690,000 | $109,000 | $505,000 | $74,000 | $5,052,000 |
| FHA-insured (Federal Housing Administration) | 209 | $27,465,000 | $131,000 | $345,000 | $53,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 164 | $30,740,000 | $187,000 | $655,000 | $76,000 | $473,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $10,160,000 | $127,000 | $265,000 | $46,000 | $109,000 |
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 | 826 | $103,770,000 | $125,000 | $615,000 | $74,000 | $642,000 |
| Application Denied By Financial Institution | 332 | $31,980,000 | $96,000 | $385,000 | $65,000 | $5,052,000 |
| Application Withdrawn By Applicant | 146 | $22,270,000 | $152,000 | $655,000 | $76,000 | $485,000 |
| File Closed For Incompleteness | 113 | $12,225,000 | $108,000 | $355,000 | $56,000 | $300,000 |
| Loan Purchased By The Institution | 89 | $14,055,000 | $157,000 | $495,000 | $79,000 | $198,000 |
| Application Approved But Not Accepted | 36 | $3,630,000 | $100,000 | $445,000 | $65,000 | $441,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $34,000 | $34,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,211 | $156,075,000 | $128,000 | $655,000 | $72,000 | $642,000 |
| Credit History | 168 | $14,530,000 | $86,000 | $355,000 | $50,000 | $387,000 |
| Debt-To-Income Ratio | 90 | $9,080,000 | $100,000 | $385,000 | $38,000 | $125,000 |
| Collateral | 25 | $2,695,000 | $107,000 | $235,000 | $54,000 | $127,000 |
| Credit Application Incomplete | 22 | $2,680,000 | $121,000 | $285,000 | $58,000 | $133,000 |
| Other | 14 | $1,370,000 | $97,000 | $195,000 | $91,000 | $500,000 |
| Unverifiable Information | 5 | $495,000 | $99,000 | $135,000 | $1,319,000 | $5,052,000 |
| Employment History | 4 | $550,000 | $137,000 | $235,000 | $58,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $245,000 | $81,000 | $135,000 | $34,000 | $66,000 |
| Mortgage Insurance Denied | 1 | $335,000 | $335,000 | $335,000 | $132,000 | $132,000 |
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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