Newberry County, SC Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,141 mortgage applications in Newberry County, SC totaling $224.4 million, down 28% from 2022. The average application was for $196,000, and applicants reported an average income of $100,000. 46% of applications resulted in an originated loan and 24% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 104 applications, followed by 21st Mortgage and Truist 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 1,141
Total Mortgage Loan Application Amount $224,445,000
Average Mortgage Loan Application Amount $196,000
Highest Mortgage Loan Application Amount $1,025,000
Average Applicant Income $100,000
Highest Applicant Income $875,000

Mortgage Company List for Lending in Newberry County, SC 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
* $ -1,000 104 $ 11,840,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 88 $ 10,360,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 55 $ 7,305,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 44 $ 8,230,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 35 $ 8,495,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 35 $ 7,575,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 27 $ 5,745,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 27 $ 6,835,000
Allsouth Federal Credit Union
730 ELMWOOD AVE
COLUMBIA, SC 29201
* $ 1,230,208,000 27 $ 2,085,000
First Community Bank
5455 SUNSET BLVD
LEXINGTON, SC 29072
* $ 1,672,295,000 26 $ 7,620,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 21 $ 8,095,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 43,900,126,000 20 $ 4,150,000
Mc Federal Credit Union
230 WALNUT ST
DANVILLE, PA 17821
* $ 216,475,000 18 $ 3,740,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 18 $ 5,320,000
Mc Federal Credit Union
230 WALNUT ST
DANVILLE, PA 17821
* $ 1,712,280,000 18 $ 3,740,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 17 $ 3,925,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 2,945,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 16 $ 5,000,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 16 $ 3,840,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 16 $ 3,880,000
Sc State Credit Union
800 HUGER STREET
COLUMBIA, SC 29201
* $ 1,300,321,000 15 $ 1,235,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 15 $ 4,895,000
Palmetto Citizens Federal Cred
PO BOX 5846
COLUMBIA, SC 29250
* $ 1,303,382,000 14 $ 2,240,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 14 $ 1,670,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 13 $ 1,605,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 12 $ 3,430,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,590,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 12 $ 3,070,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,575,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 11 $ 1,525,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 10 $ 900,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 10 $ 1,500,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ 4,022,206,000 9 $ 1,165,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 990,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ -1,000 8 $ 2,800,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,860,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,800,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 2,350,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,995,485,000 7 $ 2,555,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 7 $ 1,355,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,305,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,725,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 7 $ 1,945,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,690,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 1,160,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 6 $ 650,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 5 $ 505,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 5 $ 625,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 59,629,623,000 5 $ 2,025,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 5 $ 145,000
First Palmetto Bank
407 E DEKALB STREET
CAMDEN, SC 29020
* $ 881,470,000 5 $ 1,675,000
Security Federal Bank
PO BOX 810
AIKEN, SC 29802
* $ 1,316,994,000 5 $ 3,305,000
Resource Financial Services, Inc.
2717 DEVINE STREET
COLUMBIA, SC 29201
* $ -1,000 4 $ 670,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 4 $ 940,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 4 $ 330,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 4 $ 940,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 934,534,000 4 $ 1,090,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 530,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 4 $ 430,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 1,100,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 4 $ 940,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 350,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 4 $ 1,190,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 710,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 4 $ 750,000
Arthur State Bank
131 S MAIN ST
UNION, SC 29379
* $ 737,722,000 3 $ 355,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ -1,000 3 $ 1,155,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 525,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 245,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 825,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 3 $ 365,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 3 $ 145,000
South Carolina Federal Credit
6265 RIVERS AVENUE
NORTH CHARLESTON, SC 29406
* $ 2,561,193,000 3 $ 755,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 3 $ 475,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 715,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 555,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,725,398,000 3 $ 285,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 3 $ 615,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 90,000
The Peoples Bank
801 E FRONT ST
IVA, SC 29655
* $ 402,497,000 2 $ 430,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 11,417,843,000 2 $ 810,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 380,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 2 $ 860,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ -1,000 2 $ 920,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ -1,000 2 $ 410,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 380,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 2 $ 160,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 420,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 270,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 190,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 480,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 2 $ 1,140,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ 10,625,188,000 2 $ 480,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 2 $ 650,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 520,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 120,000
Countybank
425 MAIN STREET
GREENWOOD, SC 29648
* $ 707,197,000 2 $ 1,030,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 2 $ 470,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 23,954,627,000 2 $ 590,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,646,842,000 1 $ 15,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 305,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 1 $ 345,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 55,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 395,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 125,000
First Bank Richmond
20 N 9TH ST
RICHMOND, IN 47375
* $ 1,324,581,000 1 $ 65,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 85,000
Bank Iowa
1150 JORDAN CREEK PARKWAY
WEST DES MOINES, IA 50266
* $ 1,918,861,000 1 $ 295,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 1 $ 175,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,746,039,000 1 $ 225,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 1 $ 755,000
First Piedmont Federal Sla
1229 W FLOYD BAKER BLVD
GAFFNEY, SC 29341
* $ 563,653,000 1 $ 595,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 185,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,430,409,000 1 $ 165,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 205,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 115,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 145,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 225,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 75,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 175,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 265,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ -1,000 1 $ 85,000
Bank of Travelers Rest
P O BOX 1067
TRAVELERS REST, SC 29690
* $ 1,317,381,000 1 $ 55,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 305,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 85,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 1 $ 535,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,208,483,000 1 $ 475,000
Mit Federal Credit Union
700 TECHNOLOGY SQUARE
LEXINGTON, MA 02421
* $ 732,194,000 1 $ 575,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 75,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 225,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 375,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 1 $ 455,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 55,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 305,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 75,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 485,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 95,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 675,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 585,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 295,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 265,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 245,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 225,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 245,000
Spero Financial Federal Credit Union
PO BOX 10708
GREENVILLE, SC 29601
* $ 685,097,000 1 $ 35,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 195,000
Southern First Bank
100 VERDAE BLVD
GREENVILLE, SC 29607
* $ 3,694,134,000 1 $ 405,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 145,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 195,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 1 $ 235,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 495,000

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

Mortgage Loan Application Detail Totals for Newberry County, SC 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 730 $167,960,000 $230,000 $1,025,000 $101,000 $875,000
Cash-out Refinancing 153 $26,635,000 $174,000 $1,005,000 $84,000 $646,000
Other Purpose 100 $10,490,000 $104,000 $485,000 $106,000 $665,000
Home Improvement 89 $8,975,000 $100,000 $465,000 $114,000 $572,000
Refinancing 65 $9,845,000 $151,000 $455,000 $95,000 $596,000
Not Applicable 4 $540,000 $135,000 $375,000 $165,000 $165,000

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 666 $143,770,000 $215,000 $1,025,000 $114,000 $875,000
Black or African American 211 $27,175,000 $128,000 $715,000 $64,000 $482,000
Not Provided 121 $24,595,000 $203,000 $1,005,000 $97,000 $500,000
Not applicable 96 $21,660,000 $225,000 $755,000 $172,000 $500,000
Hispanic 33 $4,855,000 $147,000 $305,000 $57,000 $174,000
American Indian or Alaskan Native 8 $990,000 $123,000 $205,000 $82,000 $102,000
Asian 5 $1,145,000 $229,000 $395,000 $50,000 $123,000
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) 854 $161,830,000 $189,000 $1,005,000 $105,000 $875,000
FHA-insured (Federal Housing Administration) 180 $34,730,000 $192,000 $485,000 $74,000 $304,000
VA-guaranteed (Veterans Administration) 88 $24,840,000 $282,000 $1,025,000 $106,000 $625,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $3,045,000 $160,000 $275,000 $59,000 $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 523 $117,495,000 $224,000 $1,025,000 $118,000 $875,000
Application Denied By Financial Institution 276 $35,900,000 $130,000 $725,000 $71,000 $646,000
Application Withdrawn By Applicant 133 $30,595,000 $230,000 $1,005,000 $101,000 $482,000
Loan Purchased By The Institution 89 $21,145,000 $237,000 $755,000 $119,000 $500,000
File Closed For Incompleteness 85 $12,635,000 $148,000 $645,000 $70,000 $267,000
Application Approved But Not Accepted 34 $6,540,000 $192,000 $635,000 $115,000 $300,000
Preapproval Approved but not Accepted 1 $135,000 $135,000 $135,000 $38,000 $38,000
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 862 $188,280,000 $218,000 $1,025,000 $109,000 $875,000
Credit History 127 $12,385,000 $97,000 $375,000 $61,000 $188,000
Debt-To-Income Ratio 68 $11,300,000 $166,000 $725,000 $68,000 $300,000
Credit Application Incomplete 30 $3,870,000 $129,000 $405,000 $94,000 $646,000
Unverifiable Information 23 $2,945,000 $128,000 $385,000 $91,000 $317,000
Collateral 17 $3,115,000 $183,000 $715,000 $91,000 $249,000
Other 7 $1,175,000 $167,000 $675,000 $52,000 $135,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,135,000 $227,000 $595,000 $129,000 $383,000
Employment History 2 $240,000 $120,000 $125,000 $55,000 $61,000
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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