Nicollet County, MN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 983 mortgage applications in Nicollet County, MN totaling $242.8 million, up 16% from 2024. The average application was for $247,000, and applicants reported an average income of $121,000. 65% of applications resulted in an originated loan and 12% were denied. The most active lender was United Wholesale Mortgage, with 132 applications, followed by US Bank, N.A. and Crosscountry Mortgage, LLC.
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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 | $242,815,000 |
| Average Mortgage Loan Application Amount | $247,000 |
| Highest Mortgage Loan Application Amount | $9,505,000 |
| Average Applicant Income | $121,000 |
| Highest Applicant Income | $1,063,000 |
* 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 |
|---|---|---|---|---|
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 132 | $ 37,280,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 44 | $ 9,450,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 42 | $ 12,470,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 38 | $ 4,960,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ n/a | 31 | $ 14,725,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ n/a | 30 | $ 7,190,000 |
| Minnesota Valley Federal Credit Union 1640 ADAMS ST MANKATO, MN 56001 |
* | $ n/a | 27 | $ 5,225,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ n/a | 26 | $ 3,990,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 26 | $ 6,900,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 24 | $ 4,600,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 18 | $ 6,280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 17 | $ 2,875,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 17 | $ 1,135,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ n/a | 15 | $ 3,175,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 14 | $ 2,700,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 14 | $ 4,480,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 14 | $ 1,000,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 4,420,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 13 | $ 775,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 12 | $ 940,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 12 | $ 4,020,000 |
| First National Bank Minnesota 500 LONG STREET SAINT PETER, MN 56082 |
* | $ n/a | 12 | $ 2,560,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 11 | $ 945,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 11 | $ 1,095,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 10 | $ 3,380,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 10 | $ 2,000,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 3,160,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 9 | $ 1,195,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 9 | $ 2,765,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 9 | $ 905,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 8 | $ 2,060,000 |
| Minnstar Bank National Association P.O. BOX 270 LAKE CRYSTAL, MN 56055 |
* | $ n/a | 8 | $ 2,410,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 8 | $ 1,830,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ n/a | 8 | $ 1,530,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ n/a | 8 | $ 1,400,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ n/a | 7 | $ 2,385,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 7 | $ 825,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 7 | $ 1,655,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 6 | $ 300,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 6 | $ 2,560,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ n/a | 6 | $ 2,340,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 1,450,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ n/a | 6 | $ 2,760,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 5 | $ 1,145,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 5 | $ 1,235,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 5 | $ 715,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,635,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 1,065,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 5 | $ 985,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 4 | $ 1,110,000 |
| First State Bank of Le Center 88 NORTH PARK AVE LE CENTER, MN 56057 |
* | $ n/a | 4 | $ 840,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 4 | $ 860,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 1,460,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 1,080,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 4 | $ 670,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 4 | $ 600,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 4 | $ 1,040,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 820,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ n/a | 4 | $ 860,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 205,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 3 | $ 725,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 3 | $ 125,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 3 | $ 635,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 3 | $ 1,265,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ n/a | 3 | $ 115,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 3 | $ 225,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 3 | $ 945,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 605,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ n/a | 3 | $ 845,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 2 | $ 460,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 2 | $ 400,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ n/a | 2 | $ 130,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 2 | $ 9,840,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 520,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 610,000 |
| Waterstone Bank SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ n/a | 2 | $ 4,600,000 |
| First National Bank of Le Center 10 W. MINNESOTA ST LE CENTER, MN 56057 |
* | $ n/a | 2 | $ 360,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 70,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 460,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 250,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ n/a | 2 | $ 260,000 |
| Chartwell Financial, LLC 2015 SPRING RD # 600 OAK BROOK, IL 60523 |
* | $ n/a | 2 | $ 150,000 |
| Heartland Credit Union 5500 S ROBERT TRAIL INVER GROVE HEIGHTS, MN 55077 |
* | $ n/a | 2 | $ 340,000 |
| New Market Bank 101 OLD TOWN RD ELKO NEW MARKET, MN 55054 |
* | $ n/a | 2 | $ 460,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 2 | $ 460,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ n/a | 1 | $ 125,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 165,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 1 | $ 195,000 |
| First State Bank and Trust 950 N HWY BAYPORT, MN 55003 |
* | $ n/a | 1 | $ 205,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ n/a | 1 | $ 155,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 245,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 1 | $ 645,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ n/a | 1 | $ 325,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 345,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ n/a | 1 | $ 155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 145,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 205,000 |
| Quoin Financial Bank 201 N BROADWAY MILLER, SD 57362 |
* | $ n/a | 1 | $ 1,095,000 |
| Midwestone Bank 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ n/a | 1 | $ 65,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ n/a | 1 | $ 245,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ n/a | 1 | $ 25,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 695,000 |
| Amalgamated Bank 275 SEVENTH AVENUE NEW YORK, NY 10001 |
* | $ n/a | 1 | $ 275,000 |
| Consumers Credit Union 1075 TRI STATE PARKWAY STE 850 GURNEE, IL 60031 |
* | $ n/a | 1 | $ 235,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 395,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 505,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 275,000 |
| Highland Bank 2100 FORD PKWY SAINT PAUL, MN 55116 |
* | $ n/a | 1 | $ 25,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 265,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 85,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 235,000 |
| Platinum Bank 7667 10TH ST N OAKDALE, MN 55128 |
* | $ n/a | 1 | $ 185,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 95,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 605,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 535,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 1 | $ 55,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 175,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ n/a | 1 | $ 315,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 325,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 305,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 185,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 85,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 35,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 245,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ n/a | 1 | $ 105,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 145,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 315,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 155,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 65,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 225,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 1 | $ 385,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 65,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ n/a | 1 | $ 245,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 145,000 |
| Rf Renovo Management Company, LLC 222 W ADAMS ST #1980 CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 195,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ n/a | 1 | $ 185,000 |
| Thrivent Bank 2855 EAST COTTONWOOD PARKWAY SUITE 100 SALT LAKE, UT 84121 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Nicollet County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Nicollet County, MN in 2025
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 | 542 | $153,340,000 | $282,000 | $9,505,000 | $118,000 | $1,014,000 |
| Cash-out Refinancing | 163 | $35,045,000 | $215,000 | $905,000 | $114,000 | $469,000 |
| Refinancing | 129 | $42,065,000 | $326,000 | $6,655,000 | $132,000 | $1,063,000 |
| Other Purpose | 85 | $7,665,000 | $90,000 | $495,000 | $134,000 | $500,000 |
| Home Improvement | 64 | $4,700,000 | $73,000 | $405,000 | $121,000 | $447,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 760 | $166,190,000 | $218,000 | $995,000 | $120,000 | $1,063,000 |
| Not applicable | 82 | $47,180,000 | $575,000 | $9,505,000 | $122,000 | $189,000 |
| Not Provided | 82 | $16,650,000 | $203,000 | $695,000 | $110,000 | $229,000 |
| Hispanic | 41 | $7,335,000 | $178,000 | $605,000 | $117,000 | $814,000 |
| Asian | 7 | $1,305,000 | $186,000 | $645,000 | $187,000 | $750,000 |
| Black or African American | 6 | $2,870,000 | $478,000 | $705,000 | $229,000 | $402,000 |
| American Indian or Alaskan Native | 3 | $765,000 | $255,000 | $395,000 | $72,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $520,000 | $260,000 | $265,000 | $181,000 | $197,000 |
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) | 802 | $195,970,000 | $244,000 | $9,505,000 | $125,000 | $1,063,000 |
| FHA-insured (Federal Housing Administration) | 107 | $24,085,000 | $225,000 | $465,000 | $92,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 73 | $22,575,000 | $309,000 | $545,000 | $110,000 | $247,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $54,000 | $54,000 |
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 | 641 | $170,015,000 | $265,000 | $9,505,000 | $127,000 | $1,063,000 |
| Application Denied By Financial Institution | 114 | $18,890,000 | $165,000 | $1,235,000 | $89,000 | $300,000 |
| Application Withdrawn By Applicant | 109 | $31,995,000 | $293,000 | $3,065,000 | $125,000 | $445,000 |
| Loan Purchased By The Institution | 54 | $12,400,000 | $229,000 | $585,000 | $96,000 | $189,000 |
| File Closed For Incompleteness | 36 | $5,770,000 | $160,000 | $455,000 | $98,000 | $228,000 |
| Application Approved But Not Accepted | 28 | $3,580,000 | $127,000 | $385,000 | $129,000 | $500,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $41,000 | $41,000 |
| Preapproval Approved but not Accepted | 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 | 748 | $183,530,000 | $245,000 | $9,505,000 | $127,000 | $1,063,000 |
| Debt-To-Income Ratio | 165 | $48,235,000 | $292,000 | $6,655,000 | $101,000 | $447,000 |
| Credit History | 25 | $3,475,000 | $139,000 | $465,000 | $86,000 | $181,000 |
| Credit Application Incomplete | 15 | $2,185,000 | $145,000 | $475,000 | $90,000 | $144,000 |
| Collateral | 14 | $2,690,000 | $192,000 | $545,000 | $138,000 | $300,000 |
| Other | 11 | $1,755,000 | $159,000 | $565,000 | $100,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $735,000 | $245,000 | $345,000 | $124,000 | $194,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $175,000 | $75,000 | $83,000 |
| 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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