Nicollet County, MN Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,087 mortgage applications in Nicollet County, MN totaling $190.9 million, down 10% from 2017. The average application was for $175,000, and applicants reported an average income of $104,000. 67% of applications resulted in an originated loan and 10% were denied. The most active lender was Wells Fargo Bank NA, with 150 applications, followed by US Bank, N.A. and United Wholesale Mortgage.
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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 | 1,087 |
| Total Mortgage Loan Application Amount | $190,875,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $4,245,000 |
| Average Applicant Income | $104,000 |
| Highest Applicant Income | $4,311,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 150 | $ 23,250,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 94 | $ 12,950,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 66 | $ 12,870,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,063,591,000 | 52 | $ 5,300,000 |
| Minnesota Valley Federal Credit Union 1640 ADAMS ST MANKATO, MN 56001 |
* | $ 155,841,000 | 48 | $ 7,960,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 249,182,000 | 43 | $ 8,515,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 334,251,000 | 39 | $ 6,385,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,915,259,000 | 36 | $ 5,180,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 288,412,000 | 29 | $ 4,875,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,730,669,000 | 28 | $ 5,460,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 24 | $ 4,050,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ 942,777,000 | 19 | $ 3,405,000 |
| Hometown Bank 1000 EAST COOK STREET REDWOOD FALLS, MN 56283 |
* | $ 293,609,000 | 18 | $ 2,770,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 17 | $ 2,495,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 650,256,000 | 16 | $ 2,650,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ 416,512,000 | 15 | $ 7,135,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 382,576,000 | 15 | $ 2,265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 2,330,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 13 | $ 2,675,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 13 | $ 2,505,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 12 | $ 2,220,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 11 | $ 3,065,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 594,701,000 | 10 | $ 1,470,000 |
| Minnstar Bank National Association P.O. BOX 270 LAKE CRYSTAL, MN 56055 |
* | $ 143,395,000 | 10 | $ 1,300,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 10 | $ 2,140,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 8 | $ 1,490,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 8 | $ 350,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 17,422,977,000 | 8 | $ 1,380,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 8 | $ 1,870,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 1,215,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,245,000 |
| First National Bank Minnesota 500 LONG STREET MANKATO, MN 56001 |
* | $ 205,699,000 | 7 | $ 2,685,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 7 | $ 785,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 7 | $ 1,025,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 7 | $ 1,995,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 1,100,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 270,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 5 | $ 845,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 835,005,000 | 5 | $ 1,115,000 |
| United Prairie Bank 10 FIRESTONE DRIVE, SUITE 300 MANKATO, MN 56001 |
* | $ 569,754,000 | 5 | $ 4,615,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 1,155,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 30,422,051,000 | 5 | $ 535,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 4,763,242,000 | 5 | $ 1,215,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 4 | $ 680,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 4 | $ 890,000 |
| Progrowth Bank 703 3RD STREET, PO BOX 77 NICOLLET, MN 56074 |
* | $ 141,687,000 | 4 | $ 680,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 3 | $ 545,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 475,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 3 | $ 355,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 3 | $ 405,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 405,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 565,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 3 | $ 645,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,104,663,000 | 3 | $ 255,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 325,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 445,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,542,484,000 | 3 | $ 185,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,376,902,000 | 3 | $ 455,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 2 | $ 350,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 410,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 500,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 430,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 2 | $ 270,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 250,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,134,927,000 | 2 | $ 400,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 2 | $ 370,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 200,000 |
| First Farmers & Merchants Bank 123 SOUTH FOURTH STREET CANNON FALLS, MN 55009 |
* | $ 297,892,000 | 2 | $ 290,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 526,546,000 | 2 | $ 350,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 270,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 169,287,000 | 2 | $ 510,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 109,372,608,000 | 2 | $ 550,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 230,000 |
| Sharepoint Credit Union 5300 HYLAND GREENS DR BLOOMINGTON, MN 55437 |
* | $ 200,149,000 | 2 | $ 90,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 940,832,000 | 2 | $ 200,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 155,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,386,493,000 | 1 | $ 195,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 165,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 1 | $ 235,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 955,028,000 | 1 | $ 125,000 |
| Profinium, Inc. 105 LAKE AVE. PO BOX 848 FAIRMONT, MN 56031 |
* | $ 367,686,000 | 1 | $ 105,000 |
| Kleinbank 301 CHESTNUT ST CHASKA, MN 55318 |
* | $ 2,006,441,000 | 1 | $ 155,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 295,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 819,888,000 | 1 | $ 235,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 1 | $ 185,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 125,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 255,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 1 | $ 235,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 225,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 2,211,061,000 | 1 | $ 245,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 195,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 145,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ 692,134,000 | 1 | $ 45,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 335,251,000 | 1 | $ 105,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,725,679,000 | 1 | $ 1,555,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 175,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 195,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 125,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 195,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 175,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 135,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,758,528,000 | 1 | $ 255,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 285,000 |
| Northwest Bank 705 GRAND AVE. SPENCER, IA 51301 |
* | $ 1,541,610,000 | 1 | $ 155,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 325,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 414,043,000 | 1 | $ 205,000 |
| Heartland Credit Union 5500 S ROBERT TRAIL INVER GROVE HEIGHTS, MN 55077 |
* | $ 114,544,000 | 1 | $ 15,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 287,783,000 | 1 | $ 25,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 1 | $ 305,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 185,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 15,286,549,000 | 1 | $ 185,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 495,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 375,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 115,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 125,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 155,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 235,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 145,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 115,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 495,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 15,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 165,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 35,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 265,000 |
The tables below break down 2018 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 2018
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 | 649 | $121,055,000 | $186,000 | $2,865,000 | $85,000 | $535,000 |
| Refinancing | 159 | $32,855,000 | $206,000 | $4,245,000 | $129,000 | $3,667,000 |
| Cash-out Refinancing | 151 | $25,925,000 | $171,000 | $765,000 | $114,000 | $4,311,000 |
| Other Purpose | 56 | $3,210,000 | $57,000 | $375,000 | $111,000 | $380,000 |
| Home Improvement | 52 | $5,320,000 | $102,000 | $755,000 | $208,000 | $987,000 |
| Not Applicable | 20 | $2,510,000 | $125,000 | $265,000 | $59,000 | $59,000 |
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 | 871 | $146,415,000 | $168,000 | $765,000 | $106,000 | $4,311,000 |
| Not applicable | 107 | $28,915,000 | $270,000 | $4,245,000 | $61,000 | $80,000 |
| Not Provided | 56 | $8,240,000 | $147,000 | $425,000 | $104,000 | $456,000 |
| Hispanic | 29 | $4,125,000 | $142,000 | $315,000 | $79,000 | $319,000 |
| Asian | 10 | $1,550,000 | $155,000 | $335,000 | $68,000 | $125,000 |
| Black or African American | 6 | $900,000 | $150,000 | $185,000 | $75,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $395,000 | $131,000 | $195,000 | $97,000 | $112,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $71,000 | $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) | 879 | $154,505,000 | $175,000 | $4,245,000 | $112,000 | $4,311,000 |
| FHA-insured (Federal Housing Administration) | 125 | $20,155,000 | $161,000 | $295,000 | $57,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 54 | $11,720,000 | $217,000 | $445,000 | $73,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $4,495,000 | $155,000 | $295,000 | $61,000 | $108,000 |
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 | 723 | $135,605,000 | $187,000 | $4,245,000 | $107,000 | $4,311,000 |
| Loan Purchased By The Institution | 113 | $19,885,000 | $175,000 | $675,000 | $89,000 | $679,000 |
| Application Denied By Financial Institution | 108 | $12,590,000 | $116,000 | $755,000 | $113,000 | $3,667,000 |
| Application Withdrawn By Applicant | 100 | $15,680,000 | $156,000 | $585,000 | $91,000 | $672,000 |
| File Closed For Incompleteness | 22 | $3,430,000 | $155,000 | $445,000 | $61,000 | $220,000 |
| Application Approved But Not Accepted | 17 | $3,125,000 | $183,000 | $365,000 | $100,000 | $325,000 |
| Preapproval Approved but not Accepted | 3 | $515,000 | $171,000 | $235,000 | $51,000 | $79,000 |
| Preapproval Denied by Financial Institution | 1 | $45,000 | $45,000 | $45,000 | $33,000 | $33,000 |
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 | 819 | $147,045,000 | $179,000 | $2,865,000 | $106,000 | $4,311,000 |
| Debt-To-Income Ratio | 187 | $34,705,000 | $185,000 | $4,245,000 | $82,000 | $264,000 |
| Credit History | 38 | $3,090,000 | $81,000 | $215,000 | $76,000 | $239,000 |
| Collateral | 13 | $1,725,000 | $132,000 | $255,000 | $89,000 | $134,000 |
| Credit Application Incomplete | 11 | $2,135,000 | $194,000 | $755,000 | $468,000 | $3,667,000 |
| Other | 10 | $1,150,000 | $115,000 | $235,000 | $65,000 | $115,000 |
| Unverifiable Information | 5 | $365,000 | $73,000 | $155,000 | $65,000 | $91,000 |
| Employment History | 2 | $470,000 | $235,000 | $265,000 | $143,000 | $200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $175,000 | $33,000 | $33,000 |
| 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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