Nicollet County, MN Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,214 mortgage applications in Nicollet County, MN totaling $213.2 million, down 16% from 2016. The average application was for $175,000, and applicants reported an average income of $74,000. 68% of applications resulted in an originated loan and 8% were denied. The most active lender was Wells Fargo Bank NA, with 143 applications, followed by US Bank, N.A. and Southpoint Financial 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 1,214
Total Mortgage Loan Application Amount $213,177,000
Average Mortgage Loan Application Amount $175,000
Highest Mortgage Loan Application Amount $2,408,000
Average Applicant Income $74,000
Highest Applicant Income $1,204,000

Mortgage Company List for Lending in Nicollet County, MN for 2017

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 143 $ 25,301,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 73 $ 14,069,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ 308,180,000 46 $ 6,144,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 44 $ 8,106,000
Cambria Financial Group
11000 W 78TH STREET, SUITE 300
EDEN PRAIRIE, MN 55344
* $ -1,000 42 $ 7,725,000
Minnesota Valley Federal Credit Union
1640 ADAMS ST
MANKATO, MN 56001
* $ 139,200,000 40 $ 5,199,000
Affinity Plus Federal Credit Union
175 WEST LAFAYETTE FRONTAGE ROAD
SAINT PAUL, MN 55107
* $ 1,919,185,000 35 $ 3,103,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 33 $ 5,511,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 32 $ 5,238,000
Community Bank Mankato
300 ST ANDREWS DR
VERNON CENTER, MN 56090
* $ 271,931,000 30 $ 6,215,000
Frandsen Bank & Trust
116 CENTRAL STREET WEST
LONSDALE, MN 55046
* $ 1,717,614,000 30 $ 5,302,000
Hometown Bank
1000 EAST COOK STREET
REDWOOD FALLS, MN 56283
* $ 263,903,000 30 $ 4,271,000
Bremer Bank NA
372 SAINT PETER STREET
SAINT PAUL, MN 55102
* $ 11,496,234,000 30 $ 5,108,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 27 $ 4,558,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 22 $ 4,198,000
Nicollet County Bank of Saint Peter, the
220 SOUTH THIRD STREET, P.O. BOX 420
ST. PETER, MN 56082
* $ 186,580,000 21 $ 2,539,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 21 $ 3,620,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 20 $ 3,705,000
Citizens Bank Minnesota
105 NORTH MINNESOTA STREET
NEW ULM, MN 56073
* $ 369,485,000 20 $ 4,158,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 20 $ 2,992,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 629,000,000 15 $ 2,856,000
United Prairie Bank
10 FIRESTONE DRIVE, SUITE 300
MANKATO, MN 56001
* $ 560,540,000 15 $ 4,229,000
Citizens Community Federal N.A.
219 FAIRFAX STREET
ALTOONA, WI 54720
* $ 686,414,000 14 $ 1,902,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 2,079,000
Bankvista
125 TWIN RIVERS CT
SARTELL, MN 56377
* $ 209,235,000 14 $ 2,372,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 13 $ 1,793,000
Minnstar Bank National Association
P.O. BOX 270
LAKE CRYSTAL, MN 56055
* $ 137,798,000 12 $ 1,696,000
Pioneer Bank
320 STADIUM ROAD SUITE 100
MANKATO, MN 56001
* $ 414,404,000 12 $ 5,795,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 11 $ 1,844,000
Alliance Bank
105 EAST LYON AVE
LAKE CITY, MN 55041
* $ 588,309,000 11 $ 1,757,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 11 $ 1,818,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 11 $ 2,331,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 10 $ 1,939,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,510,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,270,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 7 $ 252,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 908,000
Bank Midwest
1525 18TH STREET SUITE 100
SPIRIT LAKE, IA 51360
* $ 818,053,000 6 $ 1,173,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 950,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 529,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 5 $ 1,132,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 5 $ 570,000
First National Bank Minnesota
500 LONG STREET
MANKATO, MN 56001
* $ 197,699,000 5 $ 392,000
Merchants Bank, National Association
102 EAST THIRD STREET
WINONA, MN 55987
* $ 1,620,732,000 5 $ 1,162,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 784,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,982,691,000 4 $ 590,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ 0 4 $ 824,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 21,455,203,000 4 $ 324,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 1,030,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 4 $ 869,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 882,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 493,000
First Farmers & Merchants Bank
123 SOUTH FOURTH STREET
CANNON FALLS, MN 55009
* $ 290,910,000 3 $ 439,000
Cornerstone State Bank
401 4TH ST N W
MONTGOMERY, MN 56069
* $ 171,294,000 3 $ 362,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 597,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 583,000
Tradition Mortgage, LLC
16995 BRANDTJEN FARM DRIVE SUTE 300
LAKEVILLE, MN 55044
* $ -1,000 3 $ 453,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 2,025,442,000 3 $ 449,000
Profinium, Inc.
105 LAKE AVE. PO BOX 848
FAIRMONT, MN 56031
* $ 355,858,000 3 $ 132,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 3 $ 663,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 3 $ 586,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 3 $ 597,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 319,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 3 $ 719,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 3 $ 664,000
Marketplace Home Mortgage, LLC
7380 FRANCE AVE S, STE 200
EDINA, MN 55435
* $ -1,000 3 $ 713,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 4,181,458,000 3 $ 447,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 3 $ 23,000
Midcountry Bank
7825 WASHINGTON AVE. S., STE. 120
BLOOMINGTON, MN 55439
* $ 796,545,000 3 $ 321,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 1,131,750,000 3 $ 186,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 3 $ 382,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 629,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,070,486,000 2 $ 85,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 2 $ 159,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 267,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 409,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 587,672,000 2 $ 742,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ -1,000 2 $ 230,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 514,606,000 2 $ 371,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 581,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 625,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 2 $ 268,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 2 $ 236,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 2,375,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 426,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 2 $ 297,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 75,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 2 $ 458,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 2 $ 267,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 273,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 388,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ 2,048,652,000 2 $ 391,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,483,848,000 1 $ 82,000
American Bank of the North
117 CENTRAL AVENUE
NASHWAUK, MN 55769
* $ 566,756,000 1 $ 110,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 417,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 243,295,000 1 $ 131,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 83,730,044,000 1 $ 255,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 1 $ 102,000
Peoples National Bank
5175 N ACADEMY BLVD
COLORADO SPRINGS, CO 80918
* $ 415,360,000 1 $ 173,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 246,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ 2,139,907,000 1 $ 40,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 1 $ 136,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 1 $ 15,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 166,000
First National Bank of Le Center
10 W. MINNESOTA ST
LE CENTER, MN 56057
* $ 90,965,000 1 $ 119,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 1 $ 81,000
Results Mortgage, LLC
11200 WEST 78TH STREET, SUITE 50
EDEN PRAIRIE, MN 55344
* $ 1,000,000 1 $ 305,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 184,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,515,035,000 1 $ 182,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 1 $ 162,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 155,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 902,051,000 1 $ 168,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 351,000
Trustone Financial Credit Union
14601 27TH AVENUE NORTH
PLYMOUTH, MN 55447
* $ 1,163,952,000 1 $ 176,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 179,000
Home Federal Savings Bank
1016 CIVIC CENTER DR NW
ROCHESTER, MN 55901
* $ 681,169,000 1 $ 240,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 329,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 1 $ 582,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 252,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 1 $ 25,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 1 $ 121,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 133,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ 0 1 $ 294,000
Westconsin Credit Union
444 BROADWAY
MENOMONIE, WI 54751
* $ 1,102,046,000 1 $ 107,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 714,597,000 1 $ 216,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 172,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 11,254,182,000 1 $ 25,000
First Bank & Trust
520 6TH STREET
BROOKINGS, SD 57006
* $ 1,357,977,000 1 $ 2,363,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 95,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 553,662,000 1 $ 266,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 137,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 211,000
Four Points Federal Credit Union
510 N 127TH ST
OMAHA, NE 68137
* $ 119,269,000 1 $ 176,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 126,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 148,000
Roundbank
200 SECOND STREET NE, PO BOX 667
WASECA, MN 56093
* $ 306,339,000 1 $ 302,000
Mortgages Unlimited Inc.
7365 KIRKWOOD COURT NORTH SUITE 300
MAPLE GROVE, MN 55113
* $ -1,000 1 $ 203,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ -1,000 1 $ 424,000
Falcon National Bank
183 CEDAR DRIVE
FOLEY, MN 56329
* $ 234,207,000 1 $ 1,410,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 4,435,339,000 1 $ 287,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 116,939,799,000 1 $ 143,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 94,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ 2,800,000,000 1 $ 261,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 160,000
Bankwest, Inc.
420 S. PIERRE STREET, PO BOX 998
PIERRE, SD 57501
* $ 983,012,000 1 $ 32,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 585,996,000 1 $ 84,000
First Alliance Credit Union
320 ALLIANCE PL NE
ROCHESTER, MN 55904
* $ 162,814,000 1 $ 26,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 229,166,000 1 $ 254,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 237,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,629,405,000 1 $ 282,000

The tables below break down 2017 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 2017

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 656 $121,478,000 $185,000 $2,408,000 $68,000 $1,204,000
Refinancing 431 $78,065,000 $181,000 $2,200,000 $81,000 $966,000
Home Improvement 127 $13,634,000 $107,000 $400,000 $84,000 $215,000

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 955 $161,504,000 $169,000 $2,200,000 $83,000 $966,000
Not applicable 149 $32,880,000 $220,000 $2,408,000 $3,000 $77,000
Not Provided 65 $12,709,000 $195,000 $1,875,000 $111,000 $1,204,000
Hispanic 23 $3,336,000 $145,000 $349,000 $65,000 $178,000
Asian 9 $1,091,000 $121,000 $269,000 $75,000 $190,000
Black or African American 7 $948,000 $135,000 $249,000 $72,000 $139,000
American Indian or Alaskan Native 5 $555,000 $111,000 $137,000 $43,000 $53,000
Native Hawaiian or Other Pacific Islander 1 $154,000 $154,000 $154,000 $66,000 $66,000

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) 908 $159,753,000 $175,000 $2,408,000 $82,000 $1,204,000
FHA-insured (Federal Housing Administration) 154 $25,281,000 $164,000 $309,000 $48,000 $232,000
VA-guaranteed (Veterans Administration) 106 $20,487,000 $193,000 $375,000 $57,000 $188,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $7,656,000 $166,000 $675,000 $40,000 $171,000

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 823 $145,991,000 $177,000 $2,408,000 $82,000 $966,000
Loan Purchased By The Institution 141 $24,480,000 $173,000 $424,000 $18,000 $237,000
Application Denied By Financial Institution 99 $17,233,000 $174,000 $1,875,000 $81,000 $1,204,000
Application Withdrawn By Applicant 89 $13,433,000 $150,000 $355,000 $77,000 $240,000
Application Approved But Not Accepted 35 $6,064,000 $173,000 $416,000 $104,000 $567,000
File Closed For Incompleteness 27 $5,976,000 $221,000 $2,200,000 $59,000 $193,000
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 24 $3,451,000 $143,000 $300,000 $64,000 $158,000
Collateral 21 $5,928,000 $282,000 $1,875,000 $143,000 $1,204,000
Credit History 16 $1,443,000 $90,000 $260,000 $79,000 $215,000
Credit Application Incomplete 8 $1,690,000 $211,000 $417,000 $88,000 $163,000
Other 1 $240,000 $240,000 $240,000 $111,000 $111,000
Unverifiable Information 1 $119,000 $119,000 $119,000 $72,000 $72,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
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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