Nacogdoches County, TX Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,581 mortgage applications in Nacogdoches County, TX totaling $304.0 million, up 12% from 2023. The average application was for $192,000, and applicants reported an average income of $114,000. 43% of applications resulted in an originated loan and 24% were denied. The most active lender was 21st Mortgage, with 191 applications, followed by Commercial Bank of Texas, NA and Cadence Bank.

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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 1,581
Total Mortgage Loan Application Amount $304,045,000
Average Mortgage Loan Application Amount $192,000
Highest Mortgage Loan Application Amount $7,505,000
Average Applicant Income $114,000
Highest Applicant Income $3,420,000

Mortgage Company List for Lending in Nacogdoches County, TX for 2024

* 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
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 191 $ 22,995,000
Commercial Bank of Texas, NA
215 E MAIN ST
NACOGDOCHES, TX 75961
* $ n/a 142 $ 36,060,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 105 $ 18,085,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 73 $ 10,445,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 68 $ 7,850,000
Austin Bank, Texas National Association
PO BOX 1537
JACKSONVILLE, TX 75766
* $ n/a 67 $ 15,775,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 44 $ 5,440,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 40 $ 9,530,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 40 $ 9,180,000
Citizens 1st Bank, Tyler Tx
3010 UNIVERSITY DR
NACOGDOCHES, TX 75965
* $ n/a 34 $ 5,730,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ n/a 34 $ 6,890,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 29 $ 7,225,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 28 $ 1,990,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 28 $ 7,540,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 24 $ 4,100,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 23 $ 5,155,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 22 $ 5,590,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 19 $ 5,755,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 19 $ 2,525,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ n/a 16 $ 4,170,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 16 $ 4,160,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 16 $ 3,510,000
East Texas Professional C.U.
409 E. LOOP 281
LONGVIEW, TX 75605
* $ n/a 15 $ 2,105,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 14 $ 1,680,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 12 $ 2,960,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 12 $ 1,790,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 11 $ 1,265,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 11 $ 2,445,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 10 $ 1,580,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 10 $ 2,530,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 10 $ 2,200,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 1,930,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 9 $ 2,465,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 8 $ 1,410,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ n/a 8 $ 2,370,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 8 $ 1,860,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 8 $ 1,930,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 1,940,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 7 $ 1,525,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ n/a 6 $ 700,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 6 $ 370,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 6 $ 930,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 6 $ 650,000
Texas Bank
P O BOX 1190
HENDERSON, TX 75652
* $ n/a 6 $ 610,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 1,395,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 5 $ 1,375,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 5 $ 895,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 1,135,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 5 $ 635,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 545,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 515,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 5 $ 525,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 1,155,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ n/a 5 $ 225,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 5 $ 745,000
K&G Capital Mortgage, LLC
3210 N FRAZIER ST
CONROE, TX 77303
* $ n/a 4 $ 930,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 4 $ 950,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 4 $ 1,170,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 4 $ 1,050,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 3 $ 145,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 3 $ 385,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 3 $ 875,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 3 $ 785,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 3 $ 755,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 405,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ n/a 3 $ 1,005,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 3 $ 1,395,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 3 $ 905,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ n/a 3 $ 1,505,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 245,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 635,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 3 $ 655,000
Transpecos Banks, SSB - Pecos, Tx
112 E. PECAN STREET SUITE 800
SAN ANTONIO, TX 78205
* $ n/a 3 $ 345,000
Ubank
208 S US HIGHWAY 69
HUNTINGTON, TX 75949
* $ n/a 3 $ 745,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 310,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ n/a 2 $ 590,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 2 $ 750,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ n/a 2 $ 160,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 2 $ 420,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 2 $ 370,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 480,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ n/a 2 $ 560,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 2 $ 610,000
Legacy Bank & Trust
1500 N MAIN ST
MOUNTAIN GROVE, MO 65711
* $ n/a 2 $ 2,240,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 460,000
Texas Mortgage Lending, LLC
12515 RESEARCH BLVD BUILDING 5
AUSTIN, TX 78759
* $ n/a 2 $ 330,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 120,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 930,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 2 $ 360,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 410,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 2 $ 430,000
Shelby
111 SELMA ST
CENTER, TX 75935
* $ n/a 2 $ 390,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 2 $ 990,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 340,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 410,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 2 $ 410,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 225,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 1 $ 465,000
Houston Federal Credit Union
16320 KENSINGTON
SUGAR LAND, TX 77479
* $ n/a 1 $ 115,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 295,000
First State Bank
P.O. BOX 577
CLUTE, TX 77531
* $ n/a 1 $ 355,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 65,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 275,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 115,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 1 $ 245,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 395,000
Texas Tech Federal Credit Union
4005 98TH STREET
LUBBOCK, TX 79409
* $ n/a 1 $ 355,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ n/a 1 $ 205,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ n/a 1 $ 145,000
First State Bank
P O BOX 5
LOUISE, TX 77455
* $ n/a 1 $ 365,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 1 $ 65,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 335,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 385,000
Sabine State Bank and Trust Company
765 SHREVEPORT HWY
MANY, LA 71449
* $ n/a 1 $ 85,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 275,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 305,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 1 $ 215,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 205,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 155,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ n/a 1 $ 95,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 175,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 205,000
Integrity Mortgage Corporation of Texas
5 HORIZON CT
HEATH, TX 75032
* $ n/a 1 $ 85,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ n/a 1 $ 355,000
Third Coast Bank
20202 HIGHWAY 59 N SUITE 190
HUMBLE, TX 77338
* $ n/a 1 $ 85,000
Nextmortgage, LLC
3160 CROW CANYON RD
SAN RAMON, CA 94583
* $ n/a 1 $ 205,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 65,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 1 $ 75,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 275,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 255,000
Pilgrim Mortgage LLC
1270 N LOOP 1604 E STE 1101
SAN ANTONIO, TX 78232
* $ n/a 1 $ 145,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 245,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 325,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 335,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ n/a 1 $ 105,000
United Heritage Credit Union
12208 N MOPAC EXPY
AUSTIN, TX 78759
* $ n/a 1 $ 105,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 295,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ n/a 1 $ 275,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 85,000
The First National Bank of Hughes Springs
PO BOX 188
HUGHES SPRINGS, TX 75656
* $ n/a 1 $ 45,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 265,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ n/a 1 $ 75,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 215,000
Mobility Credit Union
8384 N BELTLINE RD
IRVING, TX 75063
* $ n/a 1 $ 195,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ n/a 1 $ 85,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 165,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 265,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 235,000
Vantage Bank Texas
45 NE LOOP 410 STE 500
SAN ANTONIO, TX 78216
* $ n/a 1 $ 145,000
Texans Credit Union
777 E. CAMPBELL ROAD #300
RICHARDSON, TX 75081
* $ n/a 1 $ 145,000
Neches Federal Credit Union
2239 NALL ST
PORT NECHES, TX 77651
* $ n/a 1 $ 245,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 535,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 1 $ 295,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 295,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 1 $ 245,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 55,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 395,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 185,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 295,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 515,000
Amplify Credit Union
3600 W PARMER LANE
AUSTIN, TX 78727
* $ n/a 1 $ 105,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 1 $ 185,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ n/a 1 $ 185,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 215,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ n/a 1 $ 145,000

The tables below break down 2024 mortgage applications in Nacogdoches County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Nacogdoches County, TX in 2024

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 1,120 $231,980,000 $207,000 $7,505,000 $114,000 $3,420,000
Cash-out Refinancing 133 $21,725,000 $163,000 $735,000 $96,000 $528,000
Other Purpose 129 $15,915,000 $123,000 $1,605,000 $127,000 $1,628,000
Refinancing 123 $28,995,000 $235,000 $745,000 $117,000 $593,000
Home Improvement 73 $5,205,000 $71,000 $225,000 $116,000 $565,000
Not Applicable 3 $225,000 $75,000 $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 902 $174,850,000 $193,000 $755,000 $124,000 $3,420,000
Hispanic 215 $33,125,000 $154,000 $565,000 $94,000 $1,275,000
Not applicable 179 $47,345,000 $264,000 $7,505,000 $136,000 $171,000
Black or African American 128 $16,210,000 $126,000 $515,000 $85,000 $363,000
Not Provided 112 $23,410,000 $209,000 $595,000 $102,000 $534,000
Asian 32 $6,690,000 $209,000 $1,605,000 $118,000 $700,000
American Indian or Alaskan Native 11 $2,225,000 $202,000 $455,000 $103,000 $215,000
Native Hawaiian or Other Pacific Islander 2 $190,000 $95,000 $115,000 $53,000 $71,000

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) 1,314 $235,320,000 $179,000 $7,505,000 $115,000 $3,420,000
FHA-insured (Federal Housing Administration) 155 $35,765,000 $230,000 $505,000 $94,000 $307,000
VA-guaranteed (Veterans Administration) 104 $31,850,000 $306,000 $595,000 $132,000 $534,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,110,000 $138,000 $225,000 $77,000 $100,000

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 676 $146,270,000 $216,000 $7,505,000 $124,000 $1,628,000
Application Denied By Financial Institution 374 $54,260,000 $145,000 $1,605,000 $88,000 $704,000
Application Withdrawn By Applicant 175 $36,405,000 $208,000 $755,000 $143,000 $3,420,000
Loan Purchased By The Institution 156 $35,460,000 $227,000 $745,000 $122,000 $277,000
File Closed For Incompleteness 120 $16,470,000 $137,000 $535,000 $88,000 $565,000
Application Approved But Not Accepted 78 $14,430,000 $185,000 $485,000 $123,000 $650,000
Preapproval Approved but not Accepted 1 $325,000 $325,000 $325,000 $235,000 $235,000
Preapproval Denied by Financial Institution 1 $425,000 $425,000 $425,000 $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 1,158 $239,070,000 $206,000 $7,505,000 $122,000 $3,420,000
Debt-To-Income Ratio 163 $30,655,000 $188,000 $1,605,000 $87,000 $1,071,000
Credit History 122 $14,480,000 $118,000 $415,000 $92,000 $704,000
Collateral 40 $5,620,000 $140,000 $385,000 $108,000 $300,000
Credit Application Incomplete 31 $4,755,000 $153,000 $455,000 $116,000 $700,000
Other 25 $3,825,000 $153,000 $485,000 $95,000 $204,000
Unverifiable Information 24 $2,930,000 $122,000 $255,000 $101,000 $702,000
Insufficient Cash (Downpayment, Closing Cost) 15 $2,235,000 $149,000 $265,000 $69,000 $139,000
Employment History 3 $475,000 $158,000 $225,000 $36,000 $70,000
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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