Okanogan County, WA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,018 mortgage applications in Okanogan County, WA totaling $238.4 million, down 38% from 2022. The average application was for $234,000, and applicants reported an average income of $116,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Evergreen Moneysource Mortgage Company, with 93 applications, followed by Spokane Teachers Credit Union and Guild Mortgage Company.

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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 1,018
Total Mortgage Loan Application Amount $238,350,000
Average Mortgage Loan Application Amount $234,000
Highest Mortgage Loan Application Amount $1,575,000
Average Applicant Income $116,000
Highest Applicant Income $1,388,000

Mortgage Company List for Lending in Okanogan County, WA 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
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 93 $ 21,215,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ 5,625,825,000 66 $ 6,400,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 55 $ 15,675,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 28,780,644,000 43 $ 6,935,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 26,612,483,000 33 $ 8,945,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 33 $ 4,745,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 32 $ 8,840,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 21,645,013,000 30 $ 9,450,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 31,844,724,000 29 $ 5,445,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 2,020,815,000 27 $ 3,715,000
Peoples Bank
3100 WOBURN STREET
BELLINGHAM, WA 98226
* $ 2,579,261,000 24 $ 9,490,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 24 $ 8,300,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 20 $ 3,140,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 19 $ 5,045,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 15,821,645,000 17 $ 6,145,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 17 $ 4,655,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 15 $ 5,035,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 13 $ 3,605,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 2,790,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 11 $ 3,555,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 3,000,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 10 $ 2,180,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 2,175,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 4,932,136,000 9 $ 1,295,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 8 $ 580,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 2,030,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 7 $ 1,945,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 7 $ 1,505,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 2,632,273,000 6 $ 1,860,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 1,440,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 6 $ 1,750,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,430,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 5,594,015,000 6 $ 670,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,570,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 6 $ 610,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 6 $ 1,520,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 1,175,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 595,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 1,625,000
Sound Credit Union
1331 BROADWAY
TACOMA, WA 98402
* $ 2,699,119,000 5 $ 295,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 5 $ 2,055,000
O Bee Credit Union
3900 CLEVELAND AVE SE
LACEY, WA 98509
* $ 560,412,000 4 $ 510,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 4 $ 1,420,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 4 $ 1,470,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 4 $ 670,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 2,076,980,000 4 $ 380,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 4 $ 1,060,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 4 $ 880,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 920,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 630,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 950,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 190,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 3 $ 595,000
Wheatland Bank
222 N WALL ST SUITE #100
SPOKANE, WA 99201
* $ 716,176,000 3 $ 735,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 3 $ 455,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 695,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 775,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 1,145,000
Total Quality Financial Inc

CARMEL, IN 46032
* $ -1,000 3 $ 1,015,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 395,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ -1,000 3 $ 955,000
Salal Credit Union
1515 DEXTER AVE N
SEATTLE, WA 98115
* $ 1,278,954,000 3 $ 735,000
Heritage Bank
201 5TH AVENUE SW
OLYMPIA, WA 98501
* $ 6,977,262,000 3 $ 695,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 755,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 195,000
Penrith Home Loans

MODESTO, CA 95350
* $ -1,000 2 $ 760,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 710,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 2 $ 450,000
Qualstar Credit Union
PO BOX 3050
BOTHELL, WA 98041
* $ 773,091,000 2 $ 390,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 2 $ 1,140,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 2 $ 400,000
First Fed Bank
105 W 8TH ST
PORT ANGELES, WA 98362
* $ 2,019,046,000 2 $ 680,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 3,779,393,000 2 $ 1,060,000
Hapo Communtiy Credit Union
4 N UNION ST
RICHLAND, WA 99354
* $ 2,335,413,000 2 $ 310,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 510,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 2 $ 560,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 530,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 500,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 11,844,793,000 2 $ 150,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 2 $ 930,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 1,991,593,000 2 $ 770,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 260,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 2 $ 260,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 2 $ 540,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 590,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 2 $ 410,000
Cashmere Valley Bank
PO BOX G
CASHMERE, WA 98815
* $ 2,087,762,000 2 $ 730,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ -1,000 2 $ 640,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 390,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 2 $ 490,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 2 $ 260,000
Sammamish Mortgage Company
3015 112TH AVE NE STE 214
BELLEVUE, WA 98004
* $ -1,000 2 $ 1,010,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 10,412,724,000 2 $ 360,000
Onpoint Community Credit Union
2701 NW VAUGHN ST STE 800
PORTLAND, OR 97210
* $ 8,925,587,000 2 $ 520,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,739,271,000 1 $ 135,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 105,000
Verity Credit Union
PO BOX 75974
SEATTLE, WA 98155
* $ 862,711,000 1 $ 115,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 6,097,782,000 1 $ 505,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 275,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 225,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 225,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 348,731,000,000 1 $ 785,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ -1,000 1 $ 115,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 109,180,139,000 1 $ 325,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 165,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 595,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 105,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 225,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 1 $ 105,000
Sound Community Bank
2400 3RD AVENUE SUITE150
SEATTLE, WA 98121
* $ 976,516,000 1 $ 395,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 145,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 665,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 1 $ 95,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 7,415,263,000 1 $ 305,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 1 $ 135,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 16,706,914,000 1 $ 325,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 9,744,391,000 1 $ 155,000
CU Home Mortgage Solutions, LLC
PO BOX 75989
SEATTLE, WA 98175
* $ -1,000 1 $ 55,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 21,228,609,000 1 $ 705,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 115,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 125,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 295,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 32,216,733,000 1 $ 905,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 25,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 145,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 175,000
Industrial CU of Whatcom County
3233 NORTHWEST AVENUE
BELLINGHAM, WA 98226
* $ 400,566,000 1 $ 375,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
Freedom Northwest Credit Union
303 MAIN ST
KAMIAH, ID 83536
* $ 497,920,000 1 $ 195,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 505,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 1 $ 25,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 335,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 12,493,973,000 1 $ 305,000
Seattle Metropolitan Credit Union
1521 1ST AVENUE S
SEATTLE, WA 98134
* $ 1,075,471,000 1 $ 225,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 495,000
Mortgage Capital Partners, Inc
12400 WILSHIRE BLVD, SUITE 900
LOS ANGELES, CA 90025
* $ -1,000 1 $ 605,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 225,000
Peak Credit Union
4501 INTELCO LOOP SE
LACEY, WA 98503
* $ 2,252,073,000 1 $ 515,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 1 $ 145,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 479,101,000 1 $ 295,000
Greenbox Loans
3250 WILSHIRE BLVD., SUITE 1900
LOS ANGELES, CA 90010
* $ -1,000 1 $ 155,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 115,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 8,748,360,000 1 $ 215,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 1 $ 55,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 1 $ 365,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 155,000
Kitsap Credit Union
155 WASHINGTON AVENUE
BREMERTON, WA 98337
* $ 2,255,383,000 1 $ 245,000
Harborstone Credit Union
9611 GRAVELLY LAKE DR SW
LAKEWOOD, WA 98499
* $ 1,861,435,000 1 $ 55,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 115,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 165,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 365,000

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

Mortgage Loan Application Detail Totals for Okanogan County, WA 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 525 $157,085,000 $299,000 $1,575,000 $126,000 $1,388,000
Cash-out Refinancing 181 $40,175,000 $221,000 $955,000 $106,000 $575,000
Home Improvement 126 $14,000,000 $111,000 $1,005,000 $101,000 $465,000
Other Purpose 122 $15,230,000 $124,000 $825,000 $109,000 $583,000
Refinancing 63 $11,745,000 $186,000 $1,075,000 $107,000 $536,000
Not Applicable 1 $115,000 $115,000 $115,000 $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 685 $159,475,000 $232,000 $1,365,000 $115,000 $1,037,000
Not Provided 171 $42,475,000 $248,000 $1,575,000 $129,000 $1,388,000
Hispanic 58 $12,530,000 $216,000 $575,000 $95,000 $533,000
Not applicable 50 $15,020,000 $300,000 $895,000 $94,000 $152,000
American Indian or Alaskan Native 36 $5,000,000 $138,000 $485,000 $107,000 $412,000
Asian 8 $1,290,000 $161,000 $295,000 $95,000 $267,000
Black or African American 4 $750,000 $187,000 $445,000 $112,000 $184,000
Native Hawaiian or Other Pacific Islander 4 $1,100,000 $275,000 $735,000 $97,000 $181,000

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) 763 $171,015,000 $224,000 $1,575,000 $124,000 $1,388,000
FHA-insured (Federal Housing Administration) 136 $32,160,000 $236,000 $545,000 $83,000 $230,000
VA-guaranteed (Veterans Administration) 103 $32,165,000 $312,000 $635,000 $101,000 $358,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $3,010,000 $188,000 $305,000 $70,000 $109,000

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 536 $131,040,000 $244,000 $1,575,000 $126,000 $1,388,000
Application Denied By Financial Institution 184 $34,630,000 $188,000 $1,005,000 $95,000 $457,000
Application Withdrawn By Applicant 160 $37,750,000 $235,000 $1,365,000 $109,000 $465,000
File Closed For Incompleteness 57 $12,545,000 $220,000 $625,000 $114,000 $310,000
Loan Purchased By The Institution 49 $14,735,000 $300,000 $895,000 $117,000 $250,000
Application Approved But Not Accepted 26 $5,600,000 $215,000 $605,000 $113,000 $533,000
Preapproval Approved but not Accepted 6 $2,050,000 $341,000 $635,000 $92,000 $134,000
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 833 $203,525,000 $244,000 $1,575,000 $121,000 $1,388,000
Debt-To-Income Ratio 56 $14,340,000 $256,000 $1,005,000 $79,000 $288,000
Collateral 45 $7,245,000 $161,000 $395,000 $92,000 $282,000
Credit History 39 $3,805,000 $97,000 $245,000 $94,000 $358,000
Other 21 $4,325,000 $205,000 $525,000 $116,000 $457,000
Credit Application Incomplete 14 $2,260,000 $161,000 $505,000 $108,000 $386,000
Unverifiable Information 7 $1,715,000 $245,000 $355,000 $164,000 $398,000
Insufficient Cash (Downpayment, Closing Cost) 2 $710,000 $355,000 $375,000 $82,000 $96,000
Employment History 1 $425,000 $425,000 $425,000 $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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