Morgan County, MO Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 683 mortgage applications in Morgan County, MO totaling $85.3 million, down 36% from 2013. The average application was for $124,000, and applicants reported an average income of $84,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was US Bank, N.A., with 67 applications, followed by Wells Fargo Bank NA and First State Bank of St Charles.

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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 683
Total Mortgage Loan Application Amount $85,308,000
Average Mortgage Loan Application Amount $124,000
Highest Mortgage Loan Application Amount $455,000
Average Applicant Income $84,000
Highest Applicant Income $1,200,000

Mortgage Company List for Lending in Morgan County, MO for 2014

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 67 $ 6,709,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 61 $ 8,881,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 260,398,000 20 $ 2,928,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 342,675,000 19 $ 2,224,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 19 $ 2,392,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 16 $ 1,501,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,556,442,000 16 $ 867,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,293,139,000 15 $ 2,314,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 15 $ 1,770,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 15 $ 2,227,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 1,935,967,000 12 $ 1,551,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 22,943,132,000 12 $ 2,002,000
Bank Star One
118 WEST 5TH STREET
FULTON, MO 65251
* $ 88,778,000 12 $ 1,842,000
The Tipton Latham Bank, National Association
800 W. HWY 50; PO BOX 759
TIPTON, MO 65081
* $ 103,518,000 11 $ 825,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 11 $ 1,588,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ 39,000,000 11 $ 916,000
Concordia Bank
PO BOX 909
CONCORDIA, MO 64020
* $ 55,391,000 10 $ 889,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 9 $ 429,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 9 $ 1,418,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 9 $ 940,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 9 $ 1,438,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 9 $ 907,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 885,000
Iroquois Federal Savings & Loan Association
201 E CHERRY ST
WATSEKA, IL 60970
* $ 567,409,000 8 $ 1,175,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 7 $ 867,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 7 $ 955,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 888,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD.
JEFFERSON CITY, MO 65101
* $ 486,943,000 7 $ 762,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 6 $ 738,000
Peoples Bank of Moniteau County
105 W ROW STREET
JAMESTOWN, MO 65046
* $ 53,985,000 6 $ 456,000
Nbh Bank, N.A.
1111 MAIN, SUITE 2700
KANSAS CITY, MO 64105
* $ 4,890,328,000 5 $ 739,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 1,010,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 5 $ 1,042,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 5 $ 440,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 500,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 424,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 4 $ 900,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 4 $ 813,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 162,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 4 $ 160,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 139,828,000 3 $ 342,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 429,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 472,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 315,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 3 $ 130,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 246,000
Landmark Bank N.A.
PO BOX 1867
COLUMBIA, MO 65201
* $ 1,928,226,000 3 $ 525,000
Boone County National Bank
8TH & BROADWAY P O BOX 678
COLUMBIA, MO 65205
* $ 1,418,776,000 3 $ 452,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,129,075,000 3 $ 228,000
Merit Bank
10000 COLLEGE BLVD
OVERLAND PARK, KS 66210
* $ 72,422,000 3 $ 419,000
Midwest Regional Bank
363 FESTUS CENTRE DRIVE
FESTUS, MO 63028
* $ 283,136,000 3 $ 126,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,412,555,000 3 $ 290,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 2 $ 180,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 2 $ 118,000
Community Bank of Marshall
P.O. BOX 700
MARSHALL, MO 65340
* $ 137,565,000 2 $ 239,000
Jonesburg State Bank
508 N STATE HWY 47
WARRENTON, MO 63383
* $ 66,157,000 2 $ 86,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,037,879,000 2 $ 362,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 259,906,000 2 $ 457,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 557,434,000 2 $ 345,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,184,373,000 2 $ 285,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ 404,334,000 2 $ 146,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 2 $ 374,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 14,540,393,000 2 $ 295,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 539,000
Equitable Mortgage
909 E REPUBLIC ROAD B200
SPRINGFIELD, MO 65807
* $ 1,300,000 2 $ 255,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 130,451,000 2 $ 178,000
Providence Bank
3855 FORUM BOULEVARD
COLUMBIA, MO 65203
* $ 654,483,000 2 $ 542,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 2 $ 217,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 340,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 236,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 2 $ 377,000
Blue Ridge Bank and Trust Co.
4200 LITTLE BLUE PARKWAY
INDEPENDENCE, MO 64057
* $ 462,784,000 2 $ 146,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 188,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 398,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 2 $ 81,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 91,286,152,000 2 $ 312,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 2 $ 711,000
Heartland Bank
212 SOUTH CENTRAL
ST. LOUIS, MO 63105
* $ 811,472,000 2 $ 348,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 1 $ 264,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 1 $ 78,000
Heritage Bank of Central Il
615 N TRIVOLI
TRIVOLI, IL 61569
* $ 285,080,000 1 $ 175,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 131,456,000 1 $ 44,000
Southern Missouri Bank of Marshfield
PO BOX M 1292 BANNING ST
MARSHFIELD, MO 65706
* $ 93,826,000 1 $ 140,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 1 $ 20,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 141,772,000 1 $ 60,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,468,863,000 1 $ 56,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 1,141,191,000 1 $ 36,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 5,846,566,000 1 $ 65,000
Central Bank of the Ozarks
1800 S. GLENSTONE
SPRINGFIELD, MO 65804
* $ 1,026,257,000 1 $ 213,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 1 $ 102,000
First Federal Credit Union
425 1ST AVE SW
CEDAR RAPIDS, IA 52405
* $ 112,712,000 1 $ 156,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 1 $ 60,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 126,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 1,940,371,000 1 $ 77,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 1 $ 5,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 66,467,781,000 1 $ 240,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 1 $ 94,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 1 $ 157,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 1 $ 104,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 128,000
Mainstreet Bank
301 E BROADWAY
ASHLAND, MO 65010
* $ 55,771,000 1 $ 56,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 1,692,312,000 1 $ 230,000
United Bank of Union
PO BOX 500
UNION, MO 63084
* $ 297,293,000 1 $ 60,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,540,049,000 1 $ 188,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 349,232,000 1 $ 44,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 1 $ 48,000
Frontier Financial, Inc. dba Frontier Mortgage
16647 CHESTERFIELD GROVE ROAD, SUITE 100
CHESTERFIELD, MO 63005
* $ 653,000 1 $ 260,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 60,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,128,932,000 1 $ 248,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ 10,000,000 1 $ 120,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 217,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 147,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 147,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 72,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 96,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 170,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ 0 1 $ 74,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 302,814,000 1 $ 200,000
Anb Bank
3033 E 1ST AVENUE
DENVER, CO 80206
* $ 2,057,632,000 1 $ 200,000
The Missouri Bank II
1601 S LIMIT
SEDALIA, MO 65301
* $ 81,364,000 1 $ 220,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 155,000
Newcastle Home Loans LLC
1700 W CORTLAND STREET, STE 203
CHICAGO, IL 60622
* $ 29,707,000 1 $ 199,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 1 $ 109,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 100,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 91,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 117,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 194,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 1 $ 244,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 1 $ 67,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 114,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ 512,000 1 $ 111,000
Exchange National Bank & Trust
600 COMMERCIAL, PO BOX 189
ATCHISON, KS 66002
* $ 396,829,000 1 $ 130,000
Simmons First National Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 3,167,950,000 1 $ 158,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 214,000
Community First Bank
P.O. BOX 407
BUTLER, MO 64730
* $ 157,386,000 1 $ 100,000
Country Club Bank
ONE WARD PARKWAY
KANSAS CITY, MO 64112
* $ 1,228,986,000 1 $ 80,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 7,537,959,000 1 $ 42,000
Peoples Bank
408 W WASHINGTON ST
CUBA, MO 65453
* $ 189,704,000 1 $ 455,000
Conservation Employees Credit Union
P.O. BOX 180
JEFFERSON CITY, MO 65102
* $ 94,638,000 1 $ 104,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 260,434,000 1 $ 90,000
Mid America Bank
1511 FRIENDSHIP ROAD
JEFFERSON CITY, MO 65101
* $ 371,487,000 1 $ 25,000
United Security Bank
101 E. WALNUT ST.
AUXVASSE, MO 65231
* $ 52,218,000 1 $ 166,000
Sm Federal Credit Union
PO BOX 498
MISSION, KS 66201
* $ 60,464,000 1 $ 182,000
Triad Bank
10375 CLAYTON ROAD
FRONTENAC, MO 63131
* $ 231,965,000 1 $ 84,000
Luana Savings Bank
100 HARVEST DRIVE
LUANA, IA 52156
* $ 620,458,000 1 $ 365,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,630,474,000 1 $ 180,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 1,045,638,000 1 $ 184,000
Royal Banks of Missouri
8021 OLIVE BLVD.
ST. LOUIS, MO 63130
* $ 427,154,000 1 $ 56,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 377,882,000 1 $ 67,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,099,031,000 1 $ 67,000
Citizens Bank of Amsterdam
19 SOUTH ORANGE STREET
BUTLER, MO 64730
* $ 55,862,000 1 $ 102,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 647,760,000 1 $ 7,000
Member Home Loan LLC
9601 JONES RD SUITE 108
HOUSTON, TX 77065
* $ 589,064,000 1 $ 160,000
Farmers Bank of Lohman
P.O. BOX 22
LOHMAN, MO 65053
* $ 60,047,000 1 $ 177,000
Bank 21
ONE W WASHINGTON ST
CARROLLTON, MO 64633
* $ 89,229,000 1 $ 4,000
Enterprise Bank & Trust
150 N. MERAMEC AVE.
CLAYTON, MO 63105
* $ 3,151,790,000 1 $ 261,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 1 $ 250,000

The tables below break down 2014 mortgage applications in Morgan 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 Morgan County, MO in 2014

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 344 $44,909,000 $130,000 $417,000 $100,000 $1,200,000
Refinancing 295 $38,058,000 $129,000 $455,000 $71,000 $649,000
Home Improvement 44 $2,341,000 $53,000 $216,000 $48,000 $184,000

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 551 $66,629,000 $120,000 $455,000 $91,000 $1,200,000
Not applicable 58 $7,611,000 $131,000 $365,000 $6,000 $106,000
Not Provided 57 $8,991,000 $157,000 $410,000 $101,000 $430,000
Hispanic 7 $1,021,000 $145,000 $257,000 $128,000 $225,000
American Indian or Alaskan Native 5 $705,000 $141,000 $267,000 $54,000 $104,000
Black or African American 4 $255,000 $63,000 $111,000 $62,000 $164,000
Asian 1 $96,000 $96,000 $96,000 $0 $0
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) 559 $70,454,000 $126,000 $455,000 $95,000 $1,200,000
VA-guaranteed (Veterans Administration) 54 $8,117,000 $150,000 $333,000 $42,000 $148,000
FHA-insured (Federal Housing Administration) 40 $3,981,000 $99,000 $346,000 $30,000 $85,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $2,756,000 $91,000 $179,000 $24,000 $58,000

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 354 $45,169,000 $127,000 $410,000 $96,000 $649,000
Application Denied By Financial Institution 143 $15,522,000 $108,000 $360,000 $84,000 $1,200,000
Application Withdrawn By Applicant 73 $9,765,000 $133,000 $300,000 $75,000 $432,000
Loan Purchased By The Institution 70 $9,396,000 $134,000 $346,000 $29,000 $256,000
Application Approved But Not Accepted 24 $2,893,000 $120,000 $455,000 $93,000 $678,000
File Closed For Incompleteness 19 $2,563,000 $134,000 $298,000 $91,000 $210,000
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 27 $1,455,000 $53,000 $130,000 $51,000 $185,000
Collateral 27 $3,244,000 $120,000 $310,000 $125,000 $430,000
Debt-To-Income Ratio 16 $2,019,000 $126,000 $280,000 $54,000 $148,000
Credit Application Incomplete 8 $1,817,000 $227,000 $360,000 $399,000 $1,200,000
Other 7 $791,000 $113,000 $285,000 $46,000 $130,000
Unverifiable Information 3 $210,000 $70,000 $113,000 $48,000 $78,000
Employment History 2 $159,000 $79,000 $95,000 $18,000 $22,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $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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