Morgan County, TN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 789 mortgage applications in Morgan County, TN totaling $124.9 million, down 17% from 2022. The average application was for $158,000, and applicants reported an average income of $83,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 114 applications, followed by Mortgage Investors Group and Y-12 Federal Credit Union.
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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 | 789 |
| Total Mortgage Loan Application Amount | $124,925,000 |
| Average Mortgage Loan Application Amount | $158,000 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $537,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 114 | $ 14,100,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 37 | $ 7,835,000 |
| Y-12 Federal Credit Union 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ 1,875,163,000 | 33 | $ 3,645,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 32 | $ 3,230,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 25 | $ 2,235,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ 4,631,368,000 | 25 | $ 2,555,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 24 | $ 3,290,000 |
| Ornl Federal Credit Union 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ 3,132,447,000 | 23 | $ 3,185,000 |
| One Bank of Tennessee 15730 SCOTT HWY COOKEVILLE, TN 38501 |
* | $ 1,439,886,000 | 21 | $ 2,855,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 17 | $ 2,775,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 14 | $ 4,200,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 14 | $ 2,980,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 13 | $ 1,035,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 13 | $ 1,875,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 2,420,000 |
| Knoxville Tva Employees Credit Union 301 WALL AVE KNOXVILLE, TN 37932 |
* | $ 3,843,283,000 | 12 | $ 1,430,000 |
| First National Bank of Oneida P.O. BOX 950 ONEIDA, TN 37841 |
* | $ 302,444,000 | 11 | $ 1,185,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 2,210,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 8 | $ 1,100,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 8 | $ 1,410,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,640,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,080,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 7 | $ 1,315,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 7 | $ 265,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 7 | $ 1,535,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 2,265,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 830,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 630,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 690,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 6 | $ 1,010,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 6 | $ 1,000,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 560,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 6 | $ 1,380,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 6 | $ 400,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 6 | $ 1,160,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 6 | $ 1,260,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 5 | $ 415,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 5 | $ 1,115,000 |
| Enrichment Federal Credit Unio PO BOX 883 OAK RIDGE, TN 37831 |
* | $ 780,049,000 | 5 | $ 765,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 5 | $ 1,055,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 5 | $ 1,385,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 1,925,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 5 | $ 995,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 460,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 4 | $ 750,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 78,672,073,000 | 4 | $ 610,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 1,260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 4 | $ 820,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 875,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 285,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 14,304,653,000 | 3 | $ 595,000 |
| First Farmers and Commercial Bank 441 SPRING ST PIKESVILLE, TN 37367 |
* | $ 199,864,000 | 3 | $ 155,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 955,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 725,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 625,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 1,856,952,000 | 3 | $ 305,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 255,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 2,192,809,000 | 3 | $ 985,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,052,701,000 | 3 | $ 1,185,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 565,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 3 | $ 575,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 2 | $ 130,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 310,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 2 | $ 340,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 240,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 210,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 420,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 530,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 340,000 |
| Home Federal Bank of Tennessee 515 MARKET STREET KNOXVILLE, TN 37902 |
* | $ 2,812,950,000 | 2 | $ 120,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 480,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 290,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 200,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 430,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 2 | $ 420,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 160,000 |
| Shamrock Home Loans, Inc. 75 NEWMAN AVE EAST PROVIDENCE, RI 02916 |
* | $ -1,000 | 2 | $ 370,000 |
| First Century Bank 1780 NORTH BROAD STREET TAZEWELL, TN 37879 |
* | $ 563,299,000 | 1 | $ 55,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 2,555,530,000 | 1 | $ 75,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 45,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 135,000 |
| American Federal Mortgage Corporation 360 ROUTE 24 CHESTER, NJ 07930 |
* | $ -1,000 | 1 | $ 455,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 85,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 255,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 4,131,234,000 | 1 | $ 15,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 295,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 135,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 415,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 55,000 |
| Tnbank 401 S ILLINOIS AVENUE OAK RIDGE, TN 37830 |
* | $ 286,432,000 | 1 | $ 95,000 |
| Peoples Bank of the South 106 WEST CENTRAL AVENUE LA FOLLETTE, TN 37766 |
* | $ 202,043,000 | 1 | $ 385,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 175,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 365,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 1,154,561,000 | 1 | $ 55,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 165,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 65,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 255,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 175,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 245,000 |
| Legacy Home Loans, LLC 4025 HILLSBORO PIKE #601 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 135,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 1 | $ 85,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 295,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 792,493,000 | 1 | $ 145,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 9,280,218,000 | 1 | $ 115,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 145,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 115,000 |
| Ascend Federal Credit Union 520 AIRPARK DRIVE TULLAHOMA, TN 37388 |
* | $ 3,874,614,000 | 1 | $ 75,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 235,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 95,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 245,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 175,000 |
| Lineage Bank 120 5TH AVE N FRANKLIN, TN 37067 |
* | $ 242,664,000 | 1 | $ 155,000 |
| 3rd Street Financial Corp 6964 TYLERSVILLE RD B WEST CHESTER, OH 45069 |
* | $ -1,000 | 1 | $ 265,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 335,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 395,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 27,409,758,000 | 1 | $ 575,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 355,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ -1,000 | 1 | $ 275,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 3,450,913,000 | 1 | $ 45,000 |
| Southeast Bank 192 N SEVEN OAKS DR FARRAGUT, TN 37934 |
* | $ 2,303,736,000 | 1 | $ 25,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 295,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 205,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 1 | $ 205,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 1 | $ 145,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 215,000 |
The tables below break down 2023 mortgage applications in Morgan County, TN 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, TN 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 | 452 | $81,190,000 | $179,000 | $905,000 | $84,000 | $424,000 |
| Cash-out Refinancing | 143 | $24,895,000 | $174,000 | $525,000 | $75,000 | $196,000 |
| Other Purpose | 93 | $6,355,000 | $68,000 | $255,000 | $80,000 | $537,000 |
| Refinancing | 55 | $9,655,000 | $175,000 | $455,000 | $93,000 | $200,000 |
| Home Improvement | 45 | $2,565,000 | $57,000 | $205,000 | $82,000 | $188,000 |
| Not Applicable | 1 | $265,000 | $265,000 | $265,000 | $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 | 650 | $99,990,000 | $153,000 | $905,000 | $83,000 | $537,000 |
| Not Provided | 66 | $10,170,000 | $154,000 | $435,000 | $79,000 | $241,000 |
| Not applicable | 47 | $10,215,000 | $217,000 | $575,000 | $74,000 | $140,000 |
| Hispanic | 13 | $2,235,000 | $171,000 | $425,000 | $82,000 | $216,000 |
| American Indian or Alaskan Native | 5 | $985,000 | $197,000 | $335,000 | $82,000 | $143,000 |
| Black or African American | 4 | $690,000 | $172,000 | $275,000 | $109,000 | $160,000 |
| Asian | 2 | $530,000 | $265,000 | $285,000 | $177,000 | $290,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $110,000 | $55,000 | $85,000 | $96,000 | $138,000 |
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) | 572 | $80,410,000 | $140,000 | $905,000 | $86,000 | $537,000 |
| FHA-insured (Federal Housing Administration) | 145 | $28,155,000 | $194,000 | $445,000 | $67,000 | $188,000 |
| VA-guaranteed (Veterans Administration) | 63 | $14,925,000 | $236,000 | $615,000 | $85,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,435,000 | $159,000 | $265,000 | $67,000 | $87,000 |
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 | 343 | $59,045,000 | $172,000 | $905,000 | $92,000 | $537,000 |
| Application Denied By Financial Institution | 203 | $25,045,000 | $123,000 | $415,000 | $67,000 | $269,000 |
| File Closed For Incompleteness | 83 | $10,555,000 | $127,000 | $435,000 | $80,000 | $250,000 |
| Application Withdrawn By Applicant | 82 | $15,500,000 | $189,000 | $525,000 | $81,000 | $224,000 |
| Loan Purchased By The Institution | 47 | $10,465,000 | $222,000 | $545,000 | $94,000 | $176,000 |
| Application Approved But Not Accepted | 30 | $4,220,000 | $140,000 | $385,000 | $92,000 | $224,000 |
| Preapproval Denied by Financial Institution | 1 | $95,000 | $95,000 | $95,000 | $42,000 | $42,000 |
| Preapproval Approved but not Accepted | 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 | 579 | $98,995,000 | $170,000 | $905,000 | $89,000 | $537,000 |
| Credit History | 84 | $8,590,000 | $102,000 | $375,000 | $65,000 | $138,000 |
| Debt-To-Income Ratio | 53 | $7,135,000 | $134,000 | $405,000 | $58,000 | $186,000 |
| Unverifiable Information | 21 | $3,245,000 | $154,000 | $355,000 | $71,000 | $121,000 |
| Collateral | 20 | $3,140,000 | $157,000 | $415,000 | $76,000 | $152,000 |
| Credit Application Incomplete | 13 | $1,305,000 | $100,000 | $225,000 | $93,000 | $269,000 |
| Other | 13 | $1,775,000 | $136,000 | $275,000 | $75,000 | $138,000 |
| Employment History | 3 | $385,000 | $128,000 | $155,000 | $32,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $355,000 | $118,000 | $155,000 | $85,000 | $122,000 |
| 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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