Northampton County, VA Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 553 mortgage applications in Northampton County, VA totaling $104.9 million, down 12% from 2016. The average application was for $189,000, and applicants reported an average income of $98,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 41 applications, followed by Suntrust Bank and PNC Bank N.A..
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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 | 553 |
| Total Mortgage Loan Application Amount | $104,935,000 |
| Average Mortgage Loan Application Amount | $189,000 |
| Highest Mortgage Loan Application Amount | $1,261,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $1,299,000 |
* 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 |
* | $ 1,727,235,000,000 | 41 | $ 10,512,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 35 | $ 490,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 21 | $ 1,398,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 19 | $ 3,204,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 19 | $ 3,150,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 15 | $ 2,205,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 15 | $ 2,955,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 13 | $ 3,793,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 7,973,918,000 | 12 | $ 3,872,000 |
| Xenith Bank 901 E. CARY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 3,272,449,000 | 12 | $ 248,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 11 | $ 2,577,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,175,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 10 | $ 1,766,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 10 | $ 2,984,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 10 | $ 1,412,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 9 | $ 2,371,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 9 | $ 811,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,395,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 7 | $ 1,652,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 6 | $ 1,123,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 6 | $ 1,867,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ -1,000 | 6 | $ 1,138,000 |
| Nma Federal Credit Union 4920 HAYGOOD ROAD VIRGINIA BEACH, VA 23455 |
* | $ 63,258,000 | 6 | $ 491,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 983,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 5 | $ 1,498,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 4 | $ 1,185,000 |
| Dragas Mortgage Company 4532 BONNEY ROAD SUITE A VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 4 | $ 1,022,000 |
| Calvin B. Taylor Banking Company 24 N MAIN STREET BERLIN, MD 21811 |
* | $ 486,158,000 | 4 | $ 996,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 742,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ -1,000 | 4 | $ 832,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 4 | $ 685,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 979,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,128,362,000 | 4 | $ 601,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 4 | $ 381,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 546,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 4 | $ 772,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 4 | $ 558,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 4 | $ 452,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 859,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 530,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 3 | $ 1,167,000 |
| Shore United Bank 18 EAST DOVER STREET EASTON, MD 21601 |
* | $ 1,133,026,000 | 3 | $ 623,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 250,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 1,567,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 339,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 10,741,577,000 | 3 | $ 719,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 269,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 3 | $ 580,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 671,000 |
| Tidewater Home Funding, LLC 1108 EDEN WAY CHESAPEAKE, VA 23320 |
* | $ -1,000 | 2 | $ 235,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 2,301,629,000 | 2 | $ 215,000 |
| Apple Federal Credit Union 4029 RIDGE TOP RD FAIRFAX, VA 22030 |
* | $ 2,268,254,000 | 2 | $ 525,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 438,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 2,458,241,000 | 2 | $ 390,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 432,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 250,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 525,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 568,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 309,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 2 | $ 246,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,854,481,000 | 2 | $ 3,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 2 | $ 599,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 534,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 2 | $ 383,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 3,303,926,000 | 2 | $ 418,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 318,000 |
| First Home Mortgage 6211 GREENLEIGH AVENUE SUITE 300 BALTIMORE, MD 21220 |
* | $ -1,000 | 2 | $ 470,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 2 | $ 32,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ 638,939,000 | 2 | $ 296,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 282,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 2 | $ 437,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 275,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ -1,000 | 2 | $ 161,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 129,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,456,661,000 | 1 | $ 168,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 1 | $ 170,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 1 | $ 121,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 121,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 261,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 4,518,183,000 | 1 | $ 380,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 156,000 |
| Burke & Herbert Bk & Tr Co 100 S. FAIRFAX ST ALEXANDRIA, VA 22315 |
* | $ 2,960,435,000 | 1 | $ 178,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 167,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 424,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 52,958,000,000 | 1 | $ 1,069,000 |
| Virginia Community Bank PO BOX 888 LOUISA, VA 23093 |
* | $ 240,010,000 | 1 | $ 280,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 1 | $ 329,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 1 | $ 324,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 1 | $ 459,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ 2,800,000,000 | 1 | $ 205,000 |
| Newtowne Mortgage, LLC 600 22ND STREET SUITE 301 SUFFOLK, VA 23451 |
* | $ -1,000 | 1 | $ 326,000 |
| Jams-01 Inc dba Home Savings & Trust Mortgage JAMS-01, INC. 3701 PENDER DRIVE #150 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 184,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ 0 | 1 | $ 881,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ -1,000 | 1 | $ 239,000 |
| Virginia Commonwealth Bank 1801 BAYBERRY COURT, SUITE 101 RICHMOND, VA 23226 |
* | $ 483,134,000 | 1 | $ 280,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 275,000 |
| The Bank of Delmarva 2245 NORTHWOOD DRIVE SALISBURY, MD 21801 |
* | $ 512,231,000 | 1 | $ 346,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 1 | $ 220,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ -1,000 | 1 | $ 91,000 |
| Hebron Savings Bank P.O. BOX 59 HEBRON, MD 21830 |
* | $ 561,789,000 | 1 | $ 1,261,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 205,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 204,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 228,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 328,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 897,966,000 | 1 | $ 662,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 588,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 2,756,053,000 | 1 | $ 375,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 1 | $ 159,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 230,000 |
| Commonwealth Mortgage, LLC 600 WEST CUMMINGS PARK SUITE 2500 WOBURN, MA 01801 |
* | $ -1,000 | 1 | $ 230,000 |
| Home City Federal Savings Bank 2454 N. LIMESTONE ST. SPRINGFIELD, OH 45503 |
* | $ 155,819,000 | 1 | $ 127,000 |
| Corridor Mortgage Group, Inc. 11085 STRATFIELD COURT MARRIOTTSVILLE, MD 21104 |
* | $ -1,000 | 1 | $ 291,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 209,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 2,823,897,000 | 1 | $ 225,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 380,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 2,134,899,000 | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 1,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,062,565,000 | 1 | $ 340,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 204,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 35,000 |
| Mcs Mortgage Bankers, Inc. 20 OAK STREET PATCHOGUE, NY 11772 |
* | $ -1,000 | 1 | $ 166,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 153,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 745,061,000 | 1 | $ 325,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 1 | $ 87,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 268,000 |
| Henrico Federal Credit Union 9401 WEST BROAD ST HENRICO, VA 23294 |
* | $ 234,107,000 | 1 | $ 35,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 244,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 1 | $ 38,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 1 | $ 231,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 247,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 255,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 1 | $ 187,000 |
The tables below break down 2017 mortgage applications in Northampton County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Northampton County, VA 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 | 241 | $50,823,000 | $210,000 | $1,181,000 | $113,000 | $829,000 |
| Refinancing | 221 | $49,943,000 | $225,000 | $1,261,000 | $96,000 | $1,299,000 |
| Home Improvement | 91 | $4,169,000 | $45,000 | $374,000 | $61,000 | $381,000 |
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 | 346 | $68,875,000 | $199,000 | $1,261,000 | $109,000 | $1,299,000 |
| Black or African American | 87 | $9,976,000 | $114,000 | $1,074,000 | $70,000 | $625,000 |
| Not Provided | 57 | $13,370,000 | $234,000 | $478,000 | $121,000 | $425,000 |
| Not applicable | 37 | $7,681,000 | $207,000 | $881,000 | $11,000 | $345,000 |
| Hispanic | 13 | $1,395,000 | $107,000 | $344,000 | $79,000 | $275,000 |
| Asian | 9 | $2,791,000 | $310,000 | $424,000 | $181,000 | $274,000 |
| American Indian or Alaskan Native | 4 | $847,000 | $211,000 | $267,000 | $43,000 | $70,000 |
| 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) | 415 | $79,944,000 | $192,000 | $1,261,000 | $113,000 | $1,299,000 |
| FHA-insured (Federal Housing Administration) | 65 | $9,325,000 | $143,000 | $260,000 | $43,000 | $260,000 |
| VA-guaranteed (Veterans Administration) | 62 | $14,340,000 | $231,000 | $540,000 | $67,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,326,000 | $120,000 | $188,000 | $28,000 | $52,000 |
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 | 264 | $51,898,000 | $196,000 | $1,261,000 | $109,000 | $829,000 |
| Application Denied By Financial Institution | 109 | $15,491,000 | $142,000 | $1,069,000 | $86,000 | $1,299,000 |
| Application Withdrawn By Applicant | 73 | $15,145,000 | $207,000 | $1,074,000 | $116,000 | $625,000 |
| Loan Purchased By The Institution | 55 | $12,416,000 | $225,000 | $881,000 | $53,000 | $345,000 |
| File Closed For Incompleteness | 33 | $6,553,000 | $198,000 | $960,000 | $86,000 | $300,000 |
| Application Approved But Not Accepted | 19 | $3,432,000 | $180,000 | $424,000 | $96,000 | $210,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 35 | $3,534,000 | $100,000 | $1,069,000 | $69,000 | $425,000 |
| Collateral | 17 | $4,224,000 | $248,000 | $805,000 | $122,000 | $331,000 |
| Debt-To-Income Ratio | 14 | $2,409,000 | $172,000 | $808,000 | $44,000 | $219,000 |
| Credit Application Incomplete | 11 | $1,344,000 | $122,000 | $213,000 | $101,000 | $178,000 |
| Other | 4 | $359,000 | $89,000 | $275,000 | $42,000 | $55,000 |
| Unverifiable Information | 3 | $301,000 | $100,000 | $191,000 | $47,000 | $62,000 |
| 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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