Nantucket County, MA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 983 mortgage applications in Nantucket County, MA totaling $1.0 billion, up 9% from 2014. The average application was for $1,052,000, and applicants reported an average income of $525,000. 67% of applications resulted in an originated loan and 10% were denied. The most active lender was Cape Cod Five Cents Savings Bank, with 147 applications, followed by Blue Hills Bank and Bank of America NA.
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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 | 983 |
| Total Mortgage Loan Application Amount | $1,034,902,000 |
| Average Mortgage Loan Application Amount | $1,052,000 |
| Highest Mortgage Loan Application Amount | $12,652,000 |
| Average Applicant Income | $525,000 |
| Highest Applicant Income | $9,999,000 |
* 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 |
|---|---|---|---|---|
| Cape Cod Five Cents Savings Bank 1500 IYANNOUGH RD HYANNIS, MA 02601 |
* | $ 2,715,353,000 | 147 | $ 97,259,000 |
| Blue Hills Bank 500 RIVER RIDGE DRIVE NORWOOD, MA 02062 |
* | $ 1,725,456,000 | 129 | $ 96,377,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 82 | $ 118,830,000 |
| Hingham Institution for Savings 55 MAIN STREET HINGHAM, MA 02043 |
* | $ 1,552,229,000 | 73 | $ 71,186,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 6,476,905,000 | 51 | $ 55,126,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 42 | $ 44,182,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 39 | $ 63,060,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 34 | $ 20,683,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 48,353,330,000 | 23 | $ 58,331,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 18 | $ 44,361,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 230,280,000,000 | 16 | $ 12,780,000 |
| Boston Private Bank & Trust Co TEN POST OFFICE SQUARE BOSTON, MA 02109 |
* | $ 6,615,263,000 | 14 | $ 28,271,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 12 | $ 14,604,000 |
| Institution for Savings 93 STATE ST NEWBURYPORT, MA 01950 |
* | $ 2,034,487,000 | 11 | $ 8,993,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 9 | $ 5,482,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 80,472,892,000 | 9 | $ 5,332,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 9 | $ 8,410,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 2,762,686,000 | 9 | $ 8,531,000 |
| Rockland Trust Company 120 LIBERTY STREET BROCKTON, MA 02302 |
* | $ 6,364,570,000 | 8 | $ 3,044,000 |
| Belmont Savings Bank 2 LEONARD STREET BELMONT, MA 02478 |
* | $ 1,425,020,000 | 8 | $ 9,110,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 8 | $ 4,363,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 20,938,997,000 | 8 | $ 28,705,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 846,003,000 | 8 | $ 4,781,000 |
| Peoplesbank 330 WHITNEY AVENUE HOLYOKE, MA 01040 |
* | $ 1,918,568,000 | 7 | $ 7,198,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 7 | $ 4,895,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 35,755,742,000 | 7 | $ 7,074,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 118,214,000,000 | 6 | $ 11,130,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 3,191,000 |
| Eastern Bank 195 MARKET ST LYNN, MA 01901 |
* | $ 9,478,925,000 | 6 | $ 3,533,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 6 | $ 2,897,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 38,494,804,000 | 5 | $ 4,876,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 178,676,927,000 | 5 | $ 22,502,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 22,513,012,000 | 5 | $ 4,490,000 |
| First Citizens' Federal Credit Union 200 MILL RD, SUITE 100 FAIRHAVEN, MA 02719 |
* | $ 617,807,000 | 4 | $ 2,745,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 1,964,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 48,481,911,000 | 4 | $ 11,317,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 4 | $ 1,742,000 |
| Newburyport Five Cents Savings Bank 63 STATE STREET NEWBURYPORT, MA 01950 |
* | $ 708,489,000 | 4 | $ 6,540,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 1,748,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 1,114,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 5,477,328,000 | 3 | $ 2,549,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 2,566,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 1,945,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 1,852,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 3 | $ 1,100,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 111,278,000,000 | 3 | $ 2,871,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 2 | $ 2,208,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 2 | $ 23,700,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 2 | $ 2,203,000 |
| Salem Five Cents Savings Bank 210 ESSEX ST SALEM, MA 01970 |
* | $ 3,625,139,000 | 2 | $ 10,460,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 2 | $ 900,000 |
| Cape & Coast Bank 121 MAIN STREET YARMOUTH PORT, MA 02675 |
* | $ 789,626,000 | 2 | $ 2,336,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 881,000 |
| Db Private Wealth Mortgage Ltd 60 WALL STREET, 12TH FLOOR NEW YORK, NY 10005 |
* | $ 35,425,000,000 | 2 | $ 3,500,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 984,000 |
| Salem Five Mortgage Company LLC 210 ESSEX STREET SALEM, MA 01970 |
* | $ 642,980,000 | 2 | $ 707,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 1,444,000 |
| Washington Trust Mortgage Company LLC 23 BROAD STREET WESTERLY, RI 02891 |
* | $ 3,025,425,000 | 2 | $ 869,000 |
| North Easton Savings Bank 20 EASTMAN STREET SOUTH EASTON, MA 02375 |
* | $ 486,214,000 | 2 | $ 2,437,000 |
| Harvest Bank 75 NORTH MAIN STREET KIMBALL, MN 55353 |
* | $ 1,573,693,000 | 2 | $ 1,733,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 1,120,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ 604,484,000 | 2 | $ 984,000 |
| Bank of Cape Cod 1582 IYANNOUGH ROAD HYANNIS, MA 02601 |
* | $ 237,411,000 | 2 | $ 2,130,000 |
| Metro Credit Union 200 REVERE BEACH PARKWAY CHELSEA, MA 02150 |
* | $ 1,364,748,000 | 2 | $ 1,760,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 2 | $ 637,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,967,941,000 | 2 | $ 900,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 2 | $ 1,268,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 2 | $ 1,384,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,244,310,000 | 2 | $ 2,100,000 |
| Patriot Community Bank 237 LEXINGTON STREET WOBURN, MA 01801 |
* | $ 146,065,000 | 1 | $ 3,000,000 |
| Cambridge Mortgage Group 99 SOUTH STREET HINGHAM, MA 02043 |
* | $ 992,007,000 | 1 | $ 257,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,599,798,000 | 1 | $ 900,000 |
| Beacon Bank & Trust ALBANY, NY 12207 |
* | $ 3,571,225,000 | 1 | $ 392,000 |
| Fall River Five Cents Savings 79 NORTH MAIN ST FALL RIVER, MA 02720 |
* | $ 771,736,000 | 1 | $ 500,000 |
| Century Bank and Trust Company 400 MYSTIC AVENUE MEDFORD, MA 02155 |
* | $ 3,616,345,000 | 1 | $ 194,000 |
| Monument Mortgage Company, Inc 91 HARTWELL AVENUE LEXINGTON, MA 02421 |
* | $ 1,074,893,000 | 1 | $ 287,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 528,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 328,000 |
| Leader Mortgage Company 180 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 10,000,000 | 1 | $ 2,400,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 254,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 759,000 |
| New Fed Mortgage Corp. 98 HIGH ST DANVERS, MA 01923 |
* | $ 1,404,000 | 1 | $ 600,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 328,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 376,000 |
| Village Mortgage Company 30 TOWER LANE AVON, CT 06001 |
* | $ 5,817,000 | 1 | $ 500,000 |
| Unibank for Savings 49 CHURCH STREET WHITINSVILLE, MA 01588 |
* | $ 1,458,470,000 | 1 | $ 720,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ 100,000,000 | 1 | $ 610,000 |
| Northfield Bank WOODBRIDGE, NJ 07095 |
* | $ 3,018,172,000 | 1 | $ 1,200,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 1,458,456,000 | 1 | $ 788,000 |
| Stonehambank - A Co-Operative 80 MONTVALE AVE STONEHAM, MA 02180 |
* | $ 481,592,000 | 1 | $ 950,000 |
| Mechanics Cooperative Bank 308 BAY STREET TAUNTON, MA 02780 |
* | $ 452,208,000 | 1 | $ 640,000 |
| Farmington Bank ONE FARM GLEN BOULEVARD FARMINGTON, CT 06032 |
* | $ 2,483,685,000 | 1 | $ 889,000 |
| Third Coast Bank SSB 20202 HIGHWAY 59 N SUITE 190 HUMBLE, TX 77338 |
* | $ 351,964,000 | 1 | $ 591,000 |
| Middlesex Savings Bank 6 MAIN STREET NATICK, MA 01760 |
* | $ 4,156,678,000 | 1 | $ 272,000 |
| Mountainone Bank 93 MAIN STREET NORTH ADAMS, MA 01247 |
* | $ 809,930,000 | 1 | $ 750,000 |
| Velocity Commercial Capital LLC 2945 TOWNSGATE ROAD SUITE 110 WESTLAKE VILLAGE, CA 91361 |
* | $ 454,514,000 | 1 | $ 175,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 335,000 |
| Northpoint Mortgage, Inc. 204 TURNPIKE ROAD STURBRIDGE, MA 01566 |
* | $ 8,712,000 | 1 | $ 585,000 |
| Winchester Co-Operative Bank 19 CHURCH STREET WINCHESTER, MA 01890 |
* | $ 570,271,000 | 1 | $ 500,000 |
| Enterprise Bank and Trust Company 222 MERRIMACK STREET LOWELL, MA 01852 |
* | $ 2,021,366,000 | 1 | $ 850,000 |
| Guardhill Financial LLC 140 EAST 45TH STREET, 31ST FLOOR NEW YORK, NY 10017 |
* | $ 9,310,000 | 1 | $ 1,126,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 920,000 |
| Ffc Mortgage Corp. 155 CORPORATE WOODS SUITE 320 ROCHESTER, NY 14623 |
* | $ 7,464,553,000 | 1 | $ 695,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 535,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 555,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 589,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 553,000 |
| Commonwealth Mortgage, LLC 600 WEST CUMMINGS PARK SUITE 2500 WOBURN, MA 01801 |
* | $ 4,391,000 | 1 | $ 553,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 455,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 600,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 625,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 758,000 |
| Bristol County Savings Bank 35 BROADWAY TAUNTON, MA 02780 |
* | $ 1,601,457,000 | 1 | $ 600,000 |
| The Washington Trust Company, of Westerly 23 BROAD STREET WESTERLY, RI 02891 |
* | $ 3,584,425,000 | 1 | $ 469,000 |
| The Northern Trust Co 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ 109,596,957,000 | 1 | $ 1,200,000 |
| Jeanne D'arc Credit Union 581 MERRIMACK ST. LOWELL, MA 01854 |
* | $ 1,089,849,000 | 1 | $ 800,000 |
| Berkshire Bk 386 MAIN STREET WORCESTER, MA 01615 |
* | $ 2,094,745,000 | 1 | $ 2,400,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 727,505,000 | 1 | $ 83,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 315,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 1 | $ 1,000,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 1 | $ 575,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 781,000 |
| Signature Bank 565 5TH AVENUE - FL 8 NEW YORK, NY 10017 |
* | $ 27,318,640,000 | 1 | $ 1,780,000 |
| Citizens Bank of Pennsylvania ONE LOGAN SQUARE, 130 NORTH 18TH STREET PHILADELPHIA, PA 19103 |
* | $ 32,914,202,000 | 1 | $ 1,011,000 |
The tables below break down 2015 mortgage applications in Nantucket County, MA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Nantucket County, MA in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 494 | $537,786,000 | $1,088,000 | $12,652,000 | $547,000 | $9,999,000 |
| Home Purchase | 378 | $412,291,000 | $1,090,000 | $6,000,000 | $527,000 | $9,999,000 |
| Home Improvement | 111 | $84,825,000 | $764,000 | $4,800,000 | $421,000 | $4,487,000 |
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 | 660 | $607,437,000 | $920,000 | $10,000,000 | $526,000 | $9,999,000 |
| Not Provided | 196 | $260,977,000 | $1,331,000 | $12,652,000 | $790,000 | $9,999,000 |
| Not applicable | 88 | $143,612,000 | $1,631,000 | $11,700,000 | $19,000 | $920,000 |
| Hispanic | 24 | $15,296,000 | $637,000 | $2,000,000 | $433,000 | $2,402,000 |
| Asian | 7 | $4,056,000 | $579,000 | $785,000 | $44,000 | $138,000 |
| Black or African American | 7 | $3,199,000 | $457,000 | $844,000 | $244,000 | $1,077,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $325,000 | $325,000 | $325,000 | $25,000 | $25,000 |
| American Indian or Alaskan Native | 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) | 957 | $1,020,524,000 | $1,066,000 | $12,652,000 | $538,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 21 | $11,168,000 | $531,000 | $799,000 | $68,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 4 | $2,734,000 | $683,000 | $875,000 | $92,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $476,000 | $476,000 | $476,000 | $122,000 | $122,000 |
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 | 655 | $725,028,000 | $1,106,000 | $12,652,000 | $586,000 | $9,999,000 |
| Application Denied By Financial Institution | 100 | $72,788,000 | $727,000 | $3,500,000 | $257,000 | $2,855,000 |
| Application Withdrawn By Applicant | 79 | $106,836,000 | $1,352,000 | $12,000,000 | $707,000 | $9,999,000 |
| Loan Purchased By The Institution | 63 | $45,253,000 | $718,000 | $2,400,000 | $222,000 | $4,487,000 |
| File Closed For Incompleteness | 52 | $49,560,000 | $953,000 | $10,000,000 | $442,000 | $4,366,000 |
| Application Approved But Not Accepted | 34 | $35,437,000 | $1,042,000 | $3,575,000 | $407,000 | $3,760,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 30 | $25,343,000 | $844,000 | $3,500,000 | $235,000 | $1,106,000 |
| Collateral | 14 | $7,047,000 | $503,000 | $934,000 | $194,000 | $479,000 |
| Credit History | 8 | $7,014,000 | $876,000 | $3,000,000 | $583,000 | $2,805,000 |
| Credit Application Incomplete | 7 | $6,592,000 | $941,000 | $1,700,000 | $288,000 | $803,000 |
| Other | 6 | $2,790,000 | $465,000 | $1,000,000 | $160,000 | $575,000 |
| Unverifiable Information | 2 | $2,297,000 | $1,148,000 | $1,761,000 | $413,000 | $726,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $600,000 | $600,000 | $600,000 | $277,000 | $277,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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