Murray County, GA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,305 mortgage applications in Murray County, GA totaling $205.3 million, down 21% from 2022. The average application was for $157,000, and applicants reported an average income of $80,000. 42% of applications resulted in an originated loan and 26% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 176 applications, followed by Regions Bank and 21st Mortgage.

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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 1,305
Total Mortgage Loan Application Amount $205,295,000
Average Mortgage Loan Application Amount $157,000
Highest Mortgage Loan Application Amount $1,055,000
Average Applicant Income $80,000
Highest Applicant Income $1,295,000

Mortgage Company List for Lending in Murray County, GA for 2023

* 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
* $ -1,000 176 $ 18,570,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 101 $ 8,095,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 67 $ 8,195,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ 2,035,663,000 46 $ 4,440,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 44 $ 7,290,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 37 $ 8,825,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 33 $ 7,205,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 32 $ 5,250,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 31 $ 6,055,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 28 $ 6,020,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 26 $ 5,850,000
Builtwell Bank
728 BROAD STREET
CHATTANOOGA, TN 37402
* $ 1,856,952,000 25 $ 5,125,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 24 $ 1,680,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 24 $ 3,800,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 23 $ 5,145,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 21 $ 5,075,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 19 $ 1,605,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 59,629,623,000 19 $ 2,285,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 17 $ 3,535,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 2,885,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,995,485,000 15 $ 4,285,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 14 $ 2,440,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 13 $ 2,475,000
Tennessee Valley Federal C U
535 CHESTNUT STREET
CHATTANOOGA, TN 37402
* $ 2,487,336,000 13 $ 1,385,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 13 $ 1,715,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,590,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 12 $ 2,230,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 12 $ 1,280,000
First National Community Bank
PO BOX 889
CHATSWORTH, GA 30705
* $ 582,751,000 11 $ 2,395,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 11 $ 2,075,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 11 $ 1,735,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 11 $ 2,075,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 10 $ 1,580,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 10 $ 1,750,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 10 $ 1,160,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 10 $ 1,980,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,455,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 8 $ 1,270,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,135,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,415,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 7 $ 1,215,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 7 $ 1,175,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 7 $ 1,275,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 6 $ 420,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 6 $ 710,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 1,220,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 890,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 5 $ 855,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 1,045,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 665,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 5 $ 1,175,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 5 $ 1,155,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 5 $ 495,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 5 $ 1,195,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 27,656,568,000 5 $ 265,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 4 $ 570,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 680,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 4 $ 890,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 820,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 4 $ 790,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 23,954,627,000 3 $ 775,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 395,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 3 $ 725,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ -1,000 3 $ 475,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 645,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 3 $ 395,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 2 $ 130,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 2 $ 840,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 240,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 240,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 41,842,515,000 2 $ 560,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ -1,000 2 $ 400,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 2 $ 200,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 260,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 348,731,000,000 2 $ 540,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 220,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 290,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 2 $ 370,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 2 $ 680,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 510,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 2 $ 250,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 530,000
Family Savings Credit Union
711 E MEIGHAN BLVD
RAINBOW CITY, AL 35906
* $ 756,762,000 2 $ 100,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 2 $ 470,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 460,000
Bank of Lafayette
P O BOX 1149
LAFAYETTE, GA 30728
* $ 394,613,000 2 $ 450,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ -1,000 2 $ 500,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 2 $ 310,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 4,739,869,000 2 $ 530,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ -1,000 2 $ 370,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 2 $ 260,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 325,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 48,668,073,000 1 $ 165,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 135,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 175,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 135,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 725,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 255,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 155,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 78,672,073,000 1 $ 105,000
First Citizens National Bank

NEWARK, OH 43055
* $ 2,399,631,000 1 $ 135,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 205,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 1 $ 355,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 365,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 1 $ 75,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 1 $ 185,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 265,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 245,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 175,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 375,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ -1,000 1 $ 75,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 55,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 1 $ 25,000
Citizens Bank & Trust, Inc.
P O BOX 249
TRENTON, GA 30752
* $ 131,130,000 1 $ 45,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 135,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 275,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 345,000
Aggeorgia Farm Credit
468 PERRY PKWY
PERRY, GA 31069
* $ -1,000 1 $ 155,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 275,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 165,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 175,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 255,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 195,000
CU Community, LLC
2077 TOWN CENTER BOULEVARD
KNOXVILLE, TN 37922
* $ -1,000 1 $ 125,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 265,000
Metro City Bank
5114 BUFORD HIGHWAY
DORAVILLE, GA 30340
* $ 3,440,092,000 1 $ 125,000
Community Bank of Pickens County
15 SAMMY MCGHEE BLVD
JASPER, GA 30143
* $ 526,405,000 1 $ 335,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 65,000
Southeast Bank
192 N SEVEN OAKS DR
FARRAGUT, TN 37934
* $ 2,303,736,000 1 $ 135,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 175,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 45,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 315,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 1 $ 295,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 445,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 375,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 75,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 155,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 2,885,583,000 1 $ 55,000
Robins Financial Credit Union
803 WATSON BOULEVARD
WARNER ROBINS, GA 31095
* $ 4,329,298,000 1 $ 35,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 315,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 155,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 275,000

The tables below break down 2023 mortgage applications in Murray County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Murray County, GA 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 749 $138,735,000 $185,000 $1,055,000 $76,000 $1,046,000
Cash-out Refinancing 215 $35,605,000 $165,000 $635,000 $73,000 $257,000
Other Purpose 149 $11,405,000 $76,000 $405,000 $92,000 $1,295,000
Home Improvement 85 $5,215,000 $61,000 $255,000 $93,000 $816,000
Refinancing 68 $13,120,000 $192,000 $605,000 $105,000 $549,000
Not Applicable 39 $1,215,000 $31,000 $115,000 $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 877 $135,735,000 $154,000 $815,000 $82,000 $1,295,000
Hispanic 148 $21,560,000 $145,000 $325,000 $63,000 $257,000
Not Provided 126 $22,750,000 $180,000 $635,000 $78,000 $266,000
Not applicable 122 $20,640,000 $169,000 $1,055,000 $69,000 $78,000
Black or African American 13 $2,215,000 $170,000 $505,000 $74,000 $128,000
Asian 9 $1,005,000 $111,000 $195,000 $174,000 $240,000
American Indian or Alaskan Native 8 $1,200,000 $150,000 $375,000 $57,000 $95,000
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) 876 $116,240,000 $132,000 $1,055,000 $83,000 $1,295,000
FHA-insured (Federal Housing Administration) 318 $60,720,000 $190,000 $485,000 $69,000 $213,000
VA-guaranteed (Veterans Administration) 90 $24,490,000 $272,000 $815,000 $90,000 $225,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $3,845,000 $183,000 $255,000 $75,000 $102,000

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 554 $96,010,000 $173,000 $815,000 $88,000 $1,046,000
Application Denied By Financial Institution 338 $43,900,000 $129,000 $555,000 $73,000 $1,295,000
Application Withdrawn By Applicant 133 $23,655,000 $177,000 $1,005,000 $76,000 $331,000
File Closed For Incompleteness 128 $17,340,000 $135,000 $375,000 $68,000 $532,000
Loan Purchased By The Institution 120 $18,340,000 $152,000 $405,000 $88,000 $189,000
Application Approved But Not Accepted 32 $6,050,000 $189,000 $1,055,000 $78,000 $157,000
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
Not applicable 963 $160,565,000 $166,000 $1,055,000 $82,000 $1,046,000
Credit History 145 $17,245,000 $118,000 $505,000 $86,000 $1,295,000
Debt-To-Income Ratio 96 $13,750,000 $143,000 $555,000 $53,000 $203,000
Collateral 34 $4,530,000 $133,000 $375,000 $83,000 $576,000
Credit Application Incomplete 21 $2,995,000 $142,000 $295,000 $74,000 $134,000
Other 18 $1,930,000 $107,000 $225,000 $78,000 $240,000
Unverifiable Information 14 $1,870,000 $133,000 $245,000 $53,000 $122,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,360,000 $170,000 $265,000 $67,000 $103,000
Employment History 6 $1,050,000 $175,000 $275,000 $106,000 $240,000
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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