Muscatine County, IA Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,889 mortgage applications in Muscatine County, IA totaling $281.2 million, down 8% from 2020. The average application was for $148,000, and applicants reported an average income of $86,000. 59% of applications resulted in an originated loan and 10% were denied. The most active lender was Cbi Bank & Trust, with 232 applications, followed by Greenstate Credit Union and Ascentra 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 1,889
Total Mortgage Loan Application Amount $281,215,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $5,865,000
Average Applicant Income $86,000
Highest Applicant Income $4,620,000

Mortgage Company List for Lending in Muscatine County, IA for 2021

* 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
Cbi Bank & Trust
301 IOWA AVE
MUSCATINE, IA 52761
* $ 526,087,000 232 $ 32,880,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 5,757,174,000 204 $ 28,080,000
Ascentra Credit Union
PO BOX 1107
BETTENDORF, IA 52722
* $ 424,288,000 92 $ 10,760,000
Ruhl Mortgage LLC
1701 52ND AVENUE
MOLINE, IL 61265
* $ -1,000 69 $ 10,495,000
Midwestone Bank
102 SOUTH CLINTON STREET
IOWA CITY, IA 52240
* $ 4,645,441,000 59 $ 11,195,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 59 $ 6,895,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 44 $ 7,510,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 43 $ 7,295,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 42 $ 6,140,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 39 $ 5,195,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 39 $ 5,645,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ 458,340,000 36 $ 3,480,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 35 $ 6,165,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 35 $ 4,245,000
The Family Credit Union
1530 W 53RD STREET
DAVENPORT, IA 52806
* $ 169,383,000 34 $ 3,250,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 29 $ 5,795,000
Hills Bank and Trust Company
131 EAST MAIN ST / PO BOX 160
HILLS, IA 52235
* $ 3,299,556,000 28 $ 3,710,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 26 $ 4,640,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 25 $ 4,025,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 24 $ 4,210,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 23 $ 3,435,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 2,815,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 1,474,943,000 23 $ 3,725,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 17 $ 3,145,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 16 $ 1,450,000
Residential Mortgage Network, Inc.
2461 10TH STREET SUITE 308
IOWA CITY, IA 52245
* $ -1,000 16 $ 3,200,000
Marine Credit Union
811 MONITOR STREET
LA CROSSE, WI 54601
* $ 857,609,000 14 $ 1,340,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 1,960,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 13 $ 1,935,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 13 $ 1,465,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 13 $ 1,995,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 12 $ 1,520,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 4,348,222,000 12 $ 1,280,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 12 $ 1,610,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 11 $ 2,365,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,043,000 11 $ 1,395,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 10 $ 1,020,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 10 $ 2,390,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 10 $ 560,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 10 $ 2,170,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 9 $ 1,325,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,375,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 9 $ 1,135,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 1,233,409,000 8 $ 770,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 8 $ 1,060,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 1,440,000
Dutrac Community Credit Union
P O BOX 3250
DUBUQUE, IA 52004
* $ 756,261,000 7 $ 1,275,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ 737,952,000 5 $ 1,045,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 815,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 5 $ 745,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 715,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,888,189,000 5 $ 1,005,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 4 $ 810,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 930,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 4 $ 830,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 420,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 4 $ 650,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 1,350,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 750,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 1,140,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 730,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 4 $ 800,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 4 $ 560,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 1,030,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 359,332,000 4 $ 910,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 809,155,000 4 $ 340,000
Washington State Bank
121 S MARION AVE
WASHINGTON, IA 52353
* $ 329,224,000 3 $ 245,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 335,000
Community 1st Credit Union
1030 SIERRA DR NE
OTTUMWA, IA 52501
* $ 709,695,000 3 $ 285,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 3 $ 455,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 3 $ 525,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 3 $ 815,000
Corda Credit Union
3015 BLAIRS FERRY RD NE
CEDAR RAPIDS, IA 52402
* $ 468,083,000 3 $ 255,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 3 $ 635,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 3 $ 325,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 115,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 3 $ 425,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 175,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 3 $ 565,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 285,828,000 2 $ 330,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 2 $ 320,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 300,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 380,000
Quad City Bank and Trust
4500 NORTH BRADY STREET
DAVENPORT, IA 52806
* $ 1,701,973,000 2 $ 540,000
Gas & Electric Credit Union
2300 4TH AVE
ROCK ISLAND, IL 61201
* $ 82,392,000 2 $ 410,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 2 $ 260,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 2 $ 420,000
Senb Bank
3535 AVENUE OF THE CITIES
MOLINE, IL 61265
* $ 298,401,000 2 $ 450,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 2 $ 600,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 250,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 210,000
Blue Grass Savings Bank
104 E. MAYNE PO BOX 248
BLUE GRASS, IA 52726
* $ 201,756,000 2 $ 500,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 50,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 380,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 260,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 270,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,014,991,000 2 $ 400,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 105,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 1 $ 265,000
Bankorion
1114 4TH STREET
ORION, IL 61273
* $ 470,267,000 1 $ 175,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 125,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 315,000
Lincoln Savings Bank
301 WASHINGTON ST
REINBECK, IA 50669
* $ 1,371,963,000 1 $ 235,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 27,665,771,000 1 $ 65,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 15,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 105,000
Northwest Bank
705 GRAND AVE.
SPENCER, IA 51301
* $ 1,688,814,000 1 $ 325,000
Bellwether Enterprise Real Estate Capital, LLC
1360 E. 9TH STREET SUITE 300
CLEVELAND, OH 44114
* $ -1,000 1 $ 1,855,000
Mount Vernon Bank and Trust Company
206 FIRST ST SW
MOUNT VERNON, IA 52314
* $ 130,653,000 1 $ 165,000
Community Savings Bank
PO BOX 77
EDGEWOOD, IA 52402
* $ 427,106,000 1 $ 115,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 1 $ 205,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 245,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
River Bank
145 N MAIN ST, P.O. BOX 280
STODDARD, WI 54658
* $ 526,888,000 1 $ 305,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 383,892,000 1 $ 365,000
Fidelity Bank & Trust
4250 ASBURY ROAD
DUBUQUE, IA 52002
* $ 1,373,920,000 1 $ 295,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 165,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 75,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 245,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 165,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 115,000
First International Bank & Trust
1600 S BDWAY
MINOT, ND 58701
* $ 3,466,051,000 1 $ 155,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 521,891,000 1 $ 185,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 777,069,000 1 $ 125,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 145,000
First National Bank Ames Iowa
405 5TH ST
AMES, IA 50010
* $ 913,271,000 1 $ 105,000
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ 9,117,164,000 1 $ 435,000
Fortress Bank
9000 N. KNOXVILLE AVENUE
PEORIA, IL 61615
* $ 473,977,000 1 $ 145,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 285,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 245,000
Aim Credit Union
1200 ASSOCIATES DR STE 102
DUBUQUE, IA 52002
* $ 130,499,000 1 $ 305,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 85,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 135,000
Sauk Valley Bank & Trust Company
3319 E LINCOLNWAY
STERLING, IL 61081
* $ 451,426,000 1 $ 145,000
First Federal Credit Union
425 1ST AVE SW
CEDAR RAPIDS, IA 52405
* $ 173,841,000 1 $ 235,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 1 $ 85,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 105,000
Gnb Bank
529 G AVENUE
GRUNDY CENTER, IA 50638
* $ 549,831,000 1 $ 175,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 1 $ 155,000
Farmers-Merchants Bank of Illinois
P.O. BOX 217
JOY, IL 61260
* $ 204,066,000 1 $ 75,000
Bankiowa
7045 C AVE NE
CEDAR RAPIDS, IA 52402
* $ 678,657,000 1 $ 155,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 155,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 135,000
Keystone Savings Bank
81 MAIN STREET, PO BOX 367
KEYSTONE, IA 52249
* $ 145,431,000 1 $ 1,215,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 193,834,000 1 $ 175,000
Central State Bank
805 22ND AVE
CORALVILLE, IA 52241
* $ 331,179,000 1 $ 115,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 1 $ 205,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 215,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 165,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 395,000
Farmers State Bank
1240 8TH AVE
MARION, IA 52302
* $ 848,569,000 1 $ 165,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 215,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 195,000

The tables below break down 2021 mortgage applications in Muscatine County, IA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Muscatine County, IA 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 684 $109,230,000 $159,000 $1,215,000 $74,000 $396,000
Refinancing 674 $105,670,000 $156,000 $5,865,000 $88,000 $1,723,000
Cash-out Refinancing 362 $54,450,000 $150,000 $1,365,000 $92,000 $900,000
Home Improvement 75 $3,425,000 $45,000 $255,000 $91,000 $722,000
Other Purpose 74 $4,850,000 $65,000 $355,000 $148,000 $4,620,000
Not Applicable 20 $3,590,000 $179,000 $1,855,000 $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 1,236 $180,770,000 $146,000 $1,365,000 $92,000 $4,620,000
Not Provided 234 $34,090,000 $145,000 $545,000 $75,000 $561,000
Hispanic 218 $23,280,000 $106,000 $365,000 $66,000 $202,000
Not applicable 161 $37,055,000 $230,000 $5,865,000 $103,000 $134,000
Black or African American 17 $2,375,000 $139,000 $245,000 $59,000 $128,000
American Indian or Alaskan Native 11 $1,545,000 $140,000 $285,000 $73,000 $181,000
Asian 9 $1,525,000 $169,000 $385,000 $70,000 $99,000
Native Hawaiian or Other Pacific Islander 2 $250,000 $125,000 $155,000 $64,000 $89,000

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) 1,412 $209,730,000 $148,000 $5,865,000 $92,000 $4,620,000
FHA-insured (Federal Housing Administration) 331 $43,955,000 $132,000 $365,000 $57,000 $192,000
VA-guaranteed (Veterans Administration) 125 $24,285,000 $194,000 $575,000 $72,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $3,245,000 $154,000 $255,000 $57,000 $94,000

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 1,114 $177,660,000 $159,000 $5,865,000 $88,000 $1,723,000
Application Withdrawn By Applicant 230 $28,750,000 $125,000 $395,000 $78,000 $927,000
Application Denied By Financial Institution 198 $23,230,000 $117,000 $655,000 $68,000 $561,000
Loan Purchased By The Institution 187 $31,725,000 $169,000 $465,000 $83,000 $294,000
File Closed For Incompleteness 108 $13,000,000 $120,000 $375,000 $78,000 $611,000
Application Approved But Not Accepted 48 $6,420,000 $133,000 $315,000 $180,000 $4,620,000
Preapproval Approved but not Accepted 3 $325,000 $108,000 $185,000 $58,000 $78,000
Preapproval Denied by Financial Institution 1 $105,000 $105,000 $105,000 $30,000 $30,000

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 1,675 $254,095,000 $151,000 $5,865,000 $89,000 $4,620,000
Credit History 70 $7,140,000 $102,000 $305,000 $68,000 $250,000
Debt-To-Income Ratio 52 $8,030,000 $154,000 $1,215,000 $55,000 $155,000
Collateral 27 $4,195,000 $155,000 $495,000 $90,000 $561,000
Credit Application Incomplete 25 $2,765,000 $110,000 $305,000 $64,000 $139,000
Other 23 $3,195,000 $138,000 $655,000 $78,000 $184,000
Unverifiable Information 10 $1,170,000 $117,000 $185,000 $58,000 $97,000
Employment History 5 $325,000 $65,000 $125,000 $44,000 $63,000
Insufficient Cash (Downpayment, Closing Cost) 2 $300,000 $150,000 $175,000 $107,000 $160,000
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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