Osage County, KS Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 634 mortgage applications in Osage County, KS totaling $77.5 million, up 10% from 2018. The average application was for $122,000, and applicants reported an average income of $74,000. 61% of applications resulted in an originated loan and 15% were denied. The most active lender was Landmark National Bank, with 35 applications, followed by The Lyndon State Bank and Envista Federal 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 | 634 |
| Total Mortgage Loan Application Amount | $77,500,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $813,000 |
* 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 |
|---|---|---|---|---|
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 982,703,000 | 35 | $ 4,345,000 |
| The Lyndon State Bank 817 TOPEKA AVE LYNDON, KS 66451 |
* | $ 69,632,000 | 35 | $ 3,985,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 364,260,000 | 25 | $ 2,405,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 24 | $ 3,720,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 481,821,000 | 24 | $ 1,460,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 21 | $ 1,495,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 20 | $ 2,790,000 |
| The First Security Bank 312 MAPLE STREET OVERBROOK, KS 66524 |
* | $ 61,269,000 | 18 | $ 1,620,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 18 | $ 2,170,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 906,491,000 | 16 | $ 1,640,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 15 | $ 2,865,000 |
| Flint Hills Bank 103 1/2 N MAIN ESKRIDGE, KS 66423 |
* | $ 127,207,000 | 15 | $ 1,375,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,321,162,000 | 14 | $ 1,340,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 13 | $ 2,815,000 |
| The Citizens State Bank 410 E MAIN ST, PO BOX 102 GRIDLEY, KS 66852 |
* | $ 200,850,000 | 13 | $ 755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,525,000 |
| Mid America Bank 802 AMES STREET BALDWIN CITY, KS 66006 |
* | $ 191,874,000 | 10 | $ 1,080,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 9 | $ 1,335,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 9 | $ 445,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,100,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 8 | $ 1,120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 695,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 966,018,000 | 7 | $ 995,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 7 | $ 1,475,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 7 | $ 995,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 34,104,022,000 | 6 | $ 580,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 810,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 950,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 5 | $ 705,000 |
| Kaw Valley Bank 1110 N KANSAS AVENUE, PO BOX 8009 TOPEKA, KS 66608 |
* | $ 306,392,000 | 5 | $ 335,000 |
| Members Mortgage Services, LLC 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 5 | $ 515,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 1,365,000 |
| Nbh Bank 7800 EAST ORCHARD ROAD, SUITE 300 GREENWOOD VILLAGE, CO 80011 |
* | $ 5,665,667,000 | 5 | $ 205,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 245,000 |
| New Century Bank 1211 28TH ST BELLEVILLE, KS 66935 |
* | $ 55,863,000 | 5 | $ 1,155,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 580,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 18,449,940,000 | 4 | $ 310,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 440,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 4 | $ 470,000 |
| Visionbank 3031 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 178,483,000 | 4 | $ 620,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 4 | $ 470,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 4 | $ 420,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 530,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 445,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 3 | $ 485,000 |
| Esb Financial 801 MERCHANT EMPORIA, KS 66801 |
* | $ 229,411,000 | 3 | $ 335,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,185,032,000 | 3 | $ 655,000 |
| Alliance Bank 3001 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 98,986,000 | 3 | $ 405,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,686,628,000 | 3 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 755,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 3 | $ 585,000 |
| Silver Lake Bank 201 NW US HWY 24 P O BOX 8330 TOPEKA, KS 66608 |
* | $ 268,686,000 | 3 | $ 245,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 3 | $ 305,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 3 | $ 215,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 495,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 400,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 190,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ -1,000 | 2 | $ 270,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 220,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 2 | $ 370,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 200,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 340,000 |
| Fidelity State Bank and Trust Company P, O. BOX 1737 TOPEKA, KS 66601 |
* | $ 136,362,000 | 2 | $ 30,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 2 | $ 170,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 530,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 2 | $ 620,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 240,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 400,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 440,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 2 | $ 200,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 280,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 353,041,000 | 2 | $ 460,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 2 | $ 70,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 240,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 9,796,674,000 | 2 | $ 140,000 |
| Farmers and Drovers Bank 201 W MAIN COUNCIL GROVE, KS 66846 |
* | $ 183,411,000 | 2 | $ 150,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 270,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 2 | $ 150,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 75,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,686,673,000 | 1 | $ 85,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,269,890,000 | 1 | $ 125,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 75,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 185,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,855,606,000 | 1 | $ 105,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,679,144,000 | 1 | $ 75,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 23,137,750,000 | 1 | $ 105,000 |
| The Stockgrowers State Bank 304 MISSOURI, PO BOX 217 ALMA, KS 66401 |
* | $ 85,407,000 | 1 | $ 85,000 |
| The Farmers State Bank 209 MONTANA AVENUE, PO BOX 465 HOLTON, KS 66436 |
* | $ 57,280,000 | 1 | $ 15,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 95,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,077,570,000 | 1 | $ 185,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 938,693,000 | 1 | $ 55,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 174,023,000 | 1 | $ 115,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 1,214,462,000 | 1 | $ 25,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ -1,000 | 1 | $ 255,000 |
| Community Bank 5431 SW 29TH ST TOPEKA, KS 66614 |
* | $ 93,530,000 | 1 | $ 45,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 165,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,483,865,000 | 1 | $ 25,000 |
| Frontier Community Credit Unio 690 EISENHOWER ROAD LEAVENWORTH, KS 66048 |
* | $ 145,583,000 | 1 | $ 55,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 205,000 |
| Quantum Credit Union 6300 W 21ST ST N WICHITA, KS 67205 |
* | $ 79,882,000 | 1 | $ 135,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 45,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 45,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 1 | $ 185,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 341,800,000 | 1 | $ 155,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 25,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ -1,000 | 1 | $ 205,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 805,001,000 | 1 | $ 605,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 65,000 |
| Baldwin State Bank 721 HIGH ST BALDWIN CITY, KS 66006 |
* | $ -1,000 | 1 | $ 125,000 |
| Austin Capital Bank SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 105,746,000 | 1 | $ 125,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 1 | $ 145,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ -1,000 | 1 | $ 55,000 |
| Central Bank of the Midwest 609 N. HIGHWAY 291 LEE'S SUMMIT, MO 64063 |
* | $ 1,761,643,000 | 1 | $ 85,000 |
| Mazuma Credit Union 7260 W 135TH STREET OVERLAND PARK, KS 66223 |
* | $ 660,812,000 | 1 | $ 85,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,121,514,000 | 1 | $ 35,000 |
| Frontier Farm Credit, Flca 5015 S 118TH ST OMAHA, NE 68137 |
* | $ -1,000 | 1 | $ 55,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 125,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 105,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 1 | $ 185,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 175,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 45,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 4,058,211,000 | 1 | $ 105,000 |
The tables below break down 2019 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 2019
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 | 285 | $35,785,000 | $125,000 | $605,000 | $73,000 | $292,000 |
| Refinancing | 138 | $16,700,000 | $121,000 | $415,000 | $75,000 | $222,000 |
| Cash-out Refinancing | 135 | $20,025,000 | $148,000 | $395,000 | $80,000 | $813,000 |
| Other Purpose | 37 | $3,075,000 | $83,000 | $385,000 | $65,000 | $153,000 |
| Home Improvement | 35 | $1,625,000 | $46,000 | $255,000 | $67,000 | $180,000 |
| Not Applicable | 4 | $290,000 | $72,000 | $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 | 510 | $60,370,000 | $118,000 | $605,000 | $74,000 | $813,000 |
| Not applicable | 53 | $6,795,000 | $128,000 | $395,000 | $77,000 | $125,000 |
| Not Provided | 48 | $7,050,000 | $146,000 | $395,000 | $82,000 | $257,000 |
| Hispanic | 10 | $1,020,000 | $102,000 | $185,000 | $81,000 | $170,000 |
| American Indian or Alaskan Native | 8 | $1,390,000 | $173,000 | $205,000 | $67,000 | $111,000 |
| Black or African American | 3 | $775,000 | $258,000 | $345,000 | $74,000 | $88,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $41,000 | $41,000 |
| 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) | 391 | $40,995,000 | $104,000 | $605,000 | $78,000 | $813,000 |
| VA-guaranteed (Veterans Administration) | 107 | $20,905,000 | $195,000 | $415,000 | $73,000 | $164,000 |
| FHA-insured (Federal Housing Administration) | 92 | $10,490,000 | $114,000 | $315,000 | $64,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $5,110,000 | $116,000 | $215,000 | $56,000 | $94,000 |
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 | 385 | $46,625,000 | $121,000 | $605,000 | $77,000 | $813,000 |
| Application Denied By Financial Institution | 97 | $10,355,000 | $106,000 | $405,000 | $67,000 | $222,000 |
| Application Withdrawn By Applicant | 71 | $9,435,000 | $132,000 | $345,000 | $71,000 | $174,000 |
| Loan Purchased By The Institution | 53 | $7,285,000 | $137,000 | $395,000 | $75,000 | $161,000 |
| File Closed For Incompleteness | 16 | $2,430,000 | $151,000 | $345,000 | $57,000 | $103,000 |
| Application Approved But Not Accepted | 11 | $1,315,000 | $119,000 | $295,000 | $61,000 | $120,000 |
| Preapproval Denied by Financial Institution | 1 | $55,000 | $55,000 | $55,000 | $44,000 | $44,000 |
| Preapproval Approved but not Accepted | 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 | 468 | $60,010,000 | $128,000 | $605,000 | $75,000 | $813,000 |
| Debt-To-Income Ratio | 85 | $8,995,000 | $105,000 | $345,000 | $79,000 | $292,000 |
| Collateral | 25 | $2,495,000 | $99,000 | $305,000 | $69,000 | $173,000 |
| Credit History | 22 | $1,660,000 | $75,000 | $345,000 | $55,000 | $112,000 |
| Credit Application Incomplete | 16 | $2,610,000 | $163,000 | $405,000 | $81,000 | $161,000 |
| Other | 12 | $1,200,000 | $100,000 | $205,000 | $60,000 | $129,000 |
| Unverifiable Information | 4 | $380,000 | $95,000 | $135,000 | $92,000 | $180,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $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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