Osage County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 771 mortgage applications in Osage County, KS totaling $79.7 million, up 6% from 2011. The average application was for $103,000, and applicants reported an average income of $60,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 99 applications, followed by The Lyndon State Bank and Landmark National Bank.
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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 | 771 |
| Total Mortgage Loan Application Amount | $79,687,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $552,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $881,000 |
* 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 |
* | $ 1,161,490,000,000 | 99 | $ 11,026,000 |
| The Lyndon State Bank 817 TOPEKA AVE LYNDON, KS 66451 |
* | $ 80,067,000 | 57 | $ 4,466,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 596,405,000 | 46 | $ 4,809,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 33 | $ 3,730,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 221,366,000 | 33 | $ 2,367,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 27 | $ 2,568,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 27 | $ 2,624,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 2,845,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,167,422,000 | 17 | $ 1,629,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 16 | $ 1,711,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 16 | $ 2,636,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 1,154,634,000 | 15 | $ 1,273,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 15 | $ 1,029,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 13 | $ 1,701,000 |
| The Citizens State Bank 410 E MAIN ST, PO BOX 102 GRIDLEY, KS 66852 |
* | $ 121,016,000 | 13 | $ 1,138,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 12 | $ 1,706,000 |
| Flint Hills Bank 103 1/2 N MAIN ESKRIDGE, KS 66423 |
* | $ 92,998,000 | 10 | $ 369,000 |
| Kansas State Bank BOX 325 OVERBROOK, KS 66524 |
* | $ 47,901,000 | 10 | $ 922,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 10 | $ 1,005,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,788,680,000 | 8 | $ 956,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 8 | $ 734,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 643,000 |
| First National Bank of Kansas 600 N 4TH STREET BURLINGTON, KS 66839 |
* | $ 68,972,000 | 7 | $ 594,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 7 | $ 607,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 7 | $ 823,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 6 | $ 688,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,265,000 | 6 | $ 690,000 |
| Capital City Bank 3710 SW TOPEKA BLVD TOPEKA, KS 66609 |
* | $ 414,607,000 | 6 | $ 664,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ 512,000 | 5 | $ 681,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 275,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 5 | $ 429,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 792,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 5 | $ 346,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 631,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 4 | $ 518,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 4 | $ 411,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 538,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 798,484,000 | 4 | $ 626,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 601,825,000 | 4 | $ 432,000 |
| Fidelity State Bank and Trust Company P, O. BOX 1737 TOPEKA, KS 66601 |
* | $ 96,704,000 | 4 | $ 447,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 4 | $ 354,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 520,000 |
| Kaw Valley Bank 1110 N KANSAS AVENUE, PO BOX 8009 TOPEKA, KS 66608 |
* | $ 451,968,000 | 3 | $ 140,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 829,435,000 | 3 | $ 511,000 |
| Educational Credit Union 2808 SW ARROWHEAD RD TOPEKA, KS 66614 |
* | $ 153,831,000 | 3 | $ 149,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 59,870,000 | 3 | $ 265,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 161,544,000 | 3 | $ 364,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 286,400,000 | 3 | $ 233,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 3 | $ 46,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 3 | $ 460,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 345,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 3 | $ 338,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 3 | $ 272,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 361,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 259,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 466,000 |
| Firstrust Mortgage, Inc 6710 W. 121ST STREET OVERLAND PARK, KS 66209 |
* | $ 6,198,000 | 3 | $ 572,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 12,527,568,000 | 3 | $ 22,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 308,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 416,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 295,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 211,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 399,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 303,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 284,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 2 | $ 271,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 245,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 2 | $ 35,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 374,787,000 | 2 | $ 259,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,331,681,000 | 2 | $ 168,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 766,287,000 | 2 | $ 237,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 2 | $ 319,000 |
| Garnett State Saving Bank - Ga 106 E 5TH GARNETT, KS 66032 |
* | $ 113,958,000 | 2 | $ 40,000 |
| Patriots Bank 131 E 4TH AVE PO BOX 327 GARNETT, KS 66032 |
* | $ 92,397,000 | 2 | $ 152,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 258,144,000 | 2 | $ 195,000 |
| The Kansas State Bank 236 N MAIN OTTAWA, KS 66067 |
* | $ 115,993,000 | 2 | $ 98,000 |
| First Bank of Newton 128 E BROADWAY NEWTON, KS 67114 |
* | $ 154,353,000 | 2 | $ 317,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 135,237,000 | 2 | $ 278,000 |
| Credit Union Mortgage Services 1080 SW WANAMAKER ROAD TOPEKA, KS 66604 |
* | $ 75,000,000 | 2 | $ 117,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 2 | $ 20,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Quantum Credit Union 6300 W 21ST ST N WICHITA, KS 67205 |
* | $ 63,396,000 | 1 | $ 48,000 |
| St. Marys State Bank, the 905 E BERTRAND AVE ST. MARYS, KS 66536 |
* | $ 82,331,000 | 1 | $ 61,000 |
| Union State Bank of Everest PO BOX 105 EVEREST, KS 66424 |
* | $ 216,869,000 | 1 | $ 59,000 |
| Community Bank 5431 SW 29TH ST TOPEKA, KS 66614 |
* | $ 80,423,000 | 1 | $ 240,000 |
| Heritage Bank 3024 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 53,050,000 | 1 | $ 100,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 202,000 |
| Raymond James Bank N.A. 710 CARILLON PKWY ST PETERSBURG, FL 33716 |
* | $ 8,794,515,000 | 1 | $ 50,000 |
| Baldwin State Bank PO BOX 46 BALDWIN CITY, KS 66006 |
* | $ 75,724,000 | 1 | $ 84,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 373,948,000 | 1 | $ 87,000 |
| The Stockgrowers State Bank 304 MISSOURI, PO BOX 217 ALMA, KS 66401 |
* | $ 75,779,000 | 1 | $ 30,000 |
| Blue Ridge Bank and Trust Co. 4200 LITTLE BLUE PARKWAY INDEPENDENCE, MO 64057 |
* | $ 469,926,000 | 1 | $ 9,000 |
| Silver Lake Bank 201 NW US HWY 24 P O BOX 8330 TOPEKA, KS 66608 |
* | $ 218,349,000 | 1 | $ 20,000 |
| Bank of Kansas 524 N MAIN ST SOUTH HUTCHINSON, KS 67501 |
* | $ 329,955,000 | 1 | $ 3,000 |
| Douglas County Bank 300 W. 9TH ST. LAWRENCE, KS 66044 |
* | $ 294,206,000 | 1 | $ 72,000 |
| The Farmers State Bank 209 MONTANA AVENUE, PO BOX 465 HOLTON, KS 66436 |
* | $ 55,872,000 | 1 | $ 175,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 56,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 1 | $ 98,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 320,000 |
| Visionbank 3031 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 84,693,000 | 1 | $ 60,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 143,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 158,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 6,236,548,000 | 1 | $ 10,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 172,261,000 | 1 | $ 10,000 |
| Gnb Mortgage Company Inc 112 E 8TH STREET, PO BOX 149 HORTON, KS 66439 |
* | $ 278,812,000 | 1 | $ 70,000 |
| The First St B&Tc of Larned 116 W. 6TH STREET LARNED, KS 67550 |
* | $ 108,894,000 | 1 | $ 99,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 101,534,000 | 1 | $ 49,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 514,118,000 | 1 | $ 135,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 12,527,568,000 | 1 | $ 62,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 226,862,000 | 1 | $ 292,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,733,783,000 | 1 | $ 55,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 1 | $ 130,000 |
| Community National Bank 210 MAIN ST SENECA, KS 66538 |
* | $ 231,492,000 | 1 | $ 129,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 102,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 171,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 198,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 248,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 85,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 188,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 1 | $ 10,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 1 | $ 160,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 106,000 |
The tables below break down 2012 mortgage applications in Osage County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Osage County, KS in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 481 | $51,024,000 | $106,000 | $552,000 | $61,000 | $881,000 |
| Home Purchase | 249 | $26,994,000 | $108,000 | $364,000 | $59,000 | $504,000 |
| Home Improvement | 41 | $1,669,000 | $40,000 | $197,000 | $55,000 | $222,000 |
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 | 617 | $62,540,000 | $101,000 | $417,000 | $66,000 | $881,000 |
| Not Provided | 72 | $7,660,000 | $106,000 | $366,000 | $57,000 | $222,000 |
| Not applicable | 65 | $7,926,000 | $121,000 | $552,000 | $9,000 | $130,000 |
| Hispanic | 10 | $1,100,000 | $110,000 | $282,000 | $61,000 | $89,000 |
| American Indian or Alaskan Native | 4 | $235,000 | $58,000 | $79,000 | $21,000 | $53,000 |
| Asian | 2 | $147,000 | $73,000 | $75,000 | $93,000 | $105,000 |
| Black or African American | 1 | $79,000 | $79,000 | $79,000 | $45,000 | $45,000 |
| 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) | 504 | $47,355,000 | $93,000 | $552,000 | $70,000 | $881,000 |
| FHA-insured (Federal Housing Administration) | 133 | $14,803,000 | $111,000 | $262,000 | $45,000 | $828,000 |
| VA-guaranteed (Veterans Administration) | 92 | $13,286,000 | $144,000 | $417,000 | $42,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $4,243,000 | $101,000 | $204,000 | $32,000 | $86,000 |
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 | 416 | $41,897,000 | $100,000 | $552,000 | $66,000 | $881,000 |
| Application Denied By Financial Institution | 153 | $14,371,000 | $93,000 | $366,000 | $53,000 | $222,000 |
| Loan Purchased By The Institution | 101 | $12,598,000 | $124,000 | $333,000 | $32,000 | $186,000 |
| Application Withdrawn By Applicant | 56 | $6,115,000 | $109,000 | $417,000 | $88,000 | $828,000 |
| Application Approved But Not Accepted | 31 | $3,005,000 | $96,000 | $278,000 | $54,000 | $114,000 |
| File Closed For Incompleteness | 14 | $1,701,000 | $121,000 | $215,000 | $64,000 | $116,000 |
| 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 | 46 | $3,363,000 | $73,000 | $141,000 | $52,000 | $222,000 |
| Collateral | 25 | $2,405,000 | $96,000 | $231,000 | $58,000 | $168,000 |
| Debt-To-Income Ratio | 18 | $1,986,000 | $110,000 | $279,000 | $48,000 | $108,000 |
| Credit Application Incomplete | 6 | $599,000 | $99,000 | $146,000 | $75,000 | $128,000 |
| Other | 3 | $254,000 | $84,000 | $172,000 | $66,000 | $111,000 |
| Unverifiable Information | 3 | $216,000 | $72,000 | $126,000 | $31,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $134,000 | $67,000 | $79,000 | $52,000 | $73,000 |
| Mortgage Insurance Denied | 1 | $68,000 | $68,000 | $68,000 | $64,000 | $64,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $50,000 | $50,000 |
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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