Osage County, OK Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,725 mortgage applications in Osage County, OK totaling $193.6 million, down 4% from 2010. The average application was for $112,000, and applicants reported an average income of $67,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was Bokf NA, with 200 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.

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Total Number of Mortgage Applications 1,725
Total Mortgage Loan Application Amount $193,641,000
Average Mortgage Loan Application Amount $112,000
Highest Mortgage Loan Application Amount $2,304,000
Average Applicant Income $67,000
Highest Applicant Income $1,627,000

Mortgage Company List for Lending in Osage County, OK for 2011

* 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
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 24,055,290,000 200 $ 19,327,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 148 $ 20,542,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 88 $ 11,673,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 84 $ 11,402,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 83 $ 9,929,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 64 $ 3,891,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 49 $ 5,660,000
Osage Federal Bank
PO BOX 26
PAWHUSKA, OK 74056
* $ 153,868,000 48 $ 4,298,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 46 $ 6,358,000
The Exchange Bank
300 WEST ROGERS BLVD
SKIATOOK, OK 74070
* $ 89,098,000 41 $ 1,708,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 1,909,097,000 40 $ 3,581,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 38 $ 2,002,000
Arvest Bank

TULSA, OK 74103
* $ 11,967,632,000 36 $ 332,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,060,521,000 35 $ 4,438,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 32 $ 3,549,000
Westreet Federal Credit Union
9323 E.21ST STREET
TULSA, OK 74129
* $ 563,845,000 30 $ 3,063,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 23 $ 2,930,000
Oklahoma Central Credit Union
4956 SOUTH PEORIA AVENUE
4956 S. PEORIA AVE, OK 74105
* $ 407,824,000 20 $ 1,976,000
Bancfirst
101 NORTH BROADWAY AVENUE
OKLAHOMA CITY, OK 73102
* $ 4,808,545,000 17 $ 2,068,000
American Heritage Bank
PO BOX 1408/2 SOUTH MAIN
SAPULPA, OK 74066
* $ 691,940,000 16 $ 792,000
F&M Bank & Trust
1330 S. HARVARD
TULSA, OK 74104
* $ 1,553,684,000 16 $ 2,109,000
Blue Sky Bank
3353 E 41ST STREET
TULSA, OK 74135
* $ 147,729,000 16 $ 432,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 16 $ 2,719,000
First National Bank in Hominy
PO BOX 8
HOMINY, OK 74035
* $ 40,973,000 16 $ 572,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 15 $ 2,646,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 539,317,000 14 $ 4,781,000
First National Bank of Oklahoma
10900 HEFNER POINTE DRIVE
OKLAHOMA CITY, OK 73120
* $ 242,394,000 14 $ 887,000
Associated Mortgage Corporation
6911 SOUTH 66TH EAST AVENUE SUITE 100
TULSA, OK 74136
* $ 5,500,000 14 $ 1,714,000
The Cleveland Bank
PO BOX 8
CLEVELAND, OK 74020
* $ 55,183,000 13 $ 552,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 13 $ 1,497,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 59,517,025,000 12 $ 896,000
Ttcu the Credit Union
3720 E 31ST ST
TULSA, OK 74135
* $ 988,799,000 12 $ 1,050,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 11 $ 1,348,000
Spiritbank
1800 S BALTIMORE AVE STE 600
TULSA, OK 74119
* $ 1,335,247,000 11 $ 1,980,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,192,808,000 10 $ 712,000
Armstrong Bank
1111 W BROADWAY
MUSKOGEE, OK 74401
* $ 555,395,000 10 $ 422,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 10 $ 1,267,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,622,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 9 $ 1,104,000
Oklahoma Capital Bank
6555 N PEORIA
TULSA, OK 74126
* $ 41,966,000 9 $ 612,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 9 $ 1,234,000
Citifinancial Equity Services,
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 9 $ 377,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 1,038,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 8 $ 1,323,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 8 $ 1,012,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 8 $ 1,208,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,210,000
Oklahoma's Credit Union
PO BOX 24027
OKLAHOMA CITY, OK 73124
* $ 337,679,000 8 $ 531,000
The Lending Partners, LLC
6836 DALLAS PARKWAY #201
PLANO, TX 75024
* $ 10,000,000 7 $ 2,134,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 1,057,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 7 $ 1,032,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 86,911,000 7 $ 893,000
American Bank of Oklahoma
200 E MAIN, P.O. BOX 66
COLLINSVILLE, OK 74021
* $ 131,763,000 7 $ 747,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 802,820,000 6 $ 281,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 6 $ 1,091,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 6 $ 1,083,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 6 $ 1,002,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 5 $ 632,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 1,001,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,827,969,000 5 $ 528,000
Viewpoint Bankers Mortgage Inc
720 E. ARAPAHO
RICHARDSON, TX 75081
* $ 1,529,760,000 5 $ 1,304,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 4 $ 491,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 4 $ 169,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 4 $ 672,000
Regent Bank
105 N MAPLE
TULSA, OK 74136
* $ 155,158,000 4 $ 1,927,000
Peoples Bank
445 S LEWIS AVE
TULSA, OK 74104
* $ 94,713,000 4 $ 177,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 671,000
City National Bank and Trust
PO BOX 2009
LAWTON, OK 73502
* $ 276,091,000 4 $ 73,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 609,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 4 $ 636,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 4 $ 646,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 3 $ 452,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 220,000
Green Country
202 EAST MORROW ROAD
SAND SPRINGS, OK 74063
* $ 41,306,000 3 $ 54,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 3 $ 213,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 3 $ 190,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 3 $ 414,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 3 $ 390,000
Onb Bank and Trust Company
8908 S YALE STE 100
TULSA, OK 74137
* $ 613,351,000 3 $ 450,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 3 $ 225,000
First Nb of Muskogee
P O BOX 308
ROLAND, OK 74954
* $ 169,118,000 3 $ 393,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 2 $ 49,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 2 $ 142,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,270,503,000 2 $ 142,000
Bank of Commerce
PO BOX 29
CHELSEA, OK 74016
* $ 143,604,000 2 $ 341,000
Security Bank
10727 E 51ST STREET
TULSA, OK 74146
* $ 357,755,000 2 $ 83,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 499,416,000 2 $ 587,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 111,000
Republic Bank & Trust
401 W. MAIN
NORMAN, OK 73069
* $ 341,281,000 2 $ 385,000
First Bank and Trust Co
PO BOX 580
DUNCAN, OK 73533
* $ 487,162,000 2 $ 272,000
Energy One Federal Credit Union
6100 S YALE AVE, SUITE 100
TULSA, OK 74136
* $ 183,940,000 2 $ 219,000
Red Crown Federal Credit Union
5001 E 91ST ST
TULSA, OK 74137
* $ 120,999,000 2 $ 173,000
Grand Bank
4200 E. SKELLY DRIVE SUITE 200
TULSA, OK 74135
* $ 217,987,000 2 $ 900,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 278,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 275,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 441,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 218,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 503,000
Mason McDuffie Mortgage Corp
2010 CROW CANYON PLACE, SUITE 400
SAN RAMON, CA 94583
* $ 1,300,000 2 $ 195,000
Midwest Mortgage Capital, LLC
12400 OLIVE BLVD
SAINT LOUIS, MO 63141
* $ 2,000,000 2 $ 336,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 291,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 206,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 2 $ 240,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 181,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 2 $ 248,000
Weokie Federal Credit Union
8100 W RENO
OKLAHOMA CITY, OK 73127
* $ 784,478,000 2 $ 149,000
First Bank of Owasso
PO BOX 1800
OWASSO, OK 74055
* $ 216,330,000 2 $ 24,000
Tinker Federal Credit Union
4140 W I-40
OKLAHOMA CITY, OK 73108
* $ 2,391,521,000 2 $ 17,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 112,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,832,312,000 1 $ 179,000
Amegy Bank of Texas, NA
4400 POST OAK PKWY, 6TH FLOOR
HOUSTON, TX 77027
* $ 11,190,264,000 1 $ 15,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 196,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 120,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 75,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ 3,406,000,000 1 $ 112,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 279,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 1 $ 128,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 69,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 174,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 122,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 83,000
Main Street Financial
9953 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 8,801,000 1 $ 133,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 166,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 75,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 1 $ 69,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 157,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 187,000
Bank Snb, NA
608 S MAIN
STILLWATER, OK 74074
* $ 2,467,385,000 1 $ 112,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 116,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 115,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 1 $ 154,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 115,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 210,000
Lakeside State Bank
P.O. BOX 190, 6695 E 400 RD
OOLOGAH, OK 74053
* $ 51,665,000 1 $ 67,000
Yorktown Bank
2222 S. UTICA PL., SUITE #350
TULSA, OK 74114
* $ 62,978,000 1 $ 125,000
First Oklahoma Bank
PO BOX 1370
JENKS, OK 74037
* $ 105,155,000 1 $ 30,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 148,000
The Bank of Union
2000 S. COUNTRY CLUB RD.
EL RENO, OK 73036
* $ 341,182,000 1 $ 9,000
Community Bank
P.O. BOX 1020
BRISTOW, OK 74010
* $ 68,084,000 1 $ 38,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 72,000
Western Sun Federal Credit Union
4620 W KENOSHA STREET
BROKEN ARROW, OK 74012
* $ 109,713,000 1 $ 10,000
Oklahoma Federal Credit Union
517 NE 36TH STREET
OKLAHOMA CITY, OK 73105
* $ 75,184,000 1 $ 220,000
The Focus Federal Credit Union
420 NE 10TH ST
OKLAHOMA CITY, OK 73104
* $ 80,214,000 1 $ 55,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,311,651,000 1 $ 190,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 132,000
1st Bank Oklahoma
1698 S LYNN RIGGS BLVD
CLAREMORE, OK 74017
* $ 264,786,000 1 $ 140,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 718,746,000 1 $ 38,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 179,000
First Century Bank, National Association
807 DORSEY ST
GAINESVILLE, GA 30501
* $ 72,051,000 1 $ 127,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 1 $ 197,000
Citizens Bank of Edmond
1 E. 1ST STREET
EDMOND, OK 73034
* $ 270,155,000 1 $ 9,000
Mabrey Bank
P O BOX 130
BIXBY, OK 74008
* $ 635,277,000 1 $ 84,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 1 $ 80,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 86,000

The tables below break down 2011 mortgage applications in Osage County, OK 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, OK in 2011

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 829 $112,149,000 $135,000 $2,304,000 $73,000 $1,200,000
Home Purchase 705 $75,226,000 $106,000 $461,000 $61,000 $1,627,000
Home Improvement 191 $6,266,000 $32,000 $250,000 $64,000 $267,000

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 1,156 $134,417,000 $116,000 $2,304,000 $74,000 $1,627,000
American Indian or Alaskan Native 200 $18,866,000 $94,000 $320,000 $65,000 $204,000
Not Provided 138 $16,162,000 $117,000 $728,000 $70,000 $979,000
Black or African American 115 $9,698,000 $84,000 $265,000 $51,000 $334,000
Not applicable 89 $11,891,000 $133,000 $1,550,000 $14,000 $153,000
Hispanic 22 $1,886,000 $85,000 $263,000 $59,000 $150,000
Asian 3 $401,000 $133,000 $191,000 $52,000 $64,000
Native Hawaiian or Other Pacific Islander 2 $320,000 $160,000 $237,000 $44,000 $55,000

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) 1,093 $115,379,000 $105,000 $2,304,000 $76,000 $1,627,000
FHA-insured (Federal Housing Administration) 426 $51,973,000 $122,000 $340,000 $53,000 $208,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 131 $14,033,000 $107,000 $252,000 $39,000 $96,000
VA-guaranteed (Veterans Administration) 75 $12,256,000 $163,000 $461,000 $67,000 $241,000

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 845 $97,069,000 $114,000 $2,304,000 $74,000 $1,627,000
Application Denied By Financial Institution 341 $28,963,000 $84,000 $799,000 $56,000 $1,200,000
Loan Purchased By The Institution 269 $36,134,000 $134,000 $410,000 $52,000 $297,000
Application Withdrawn By Applicant 121 $14,933,000 $123,000 $461,000 $83,000 $1,032,000
Application Approved But Not Accepted 104 $10,707,000 $102,000 $372,000 $65,000 $291,000
File Closed For Incompleteness 45 $5,835,000 $129,000 $417,000 $77,000 $262,000
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 93 $6,054,000 $65,000 $200,000 $51,000 $132,000
Collateral 41 $5,644,000 $137,000 $799,000 $99,000 $1,200,000
Debt-To-Income Ratio 29 $2,863,000 $98,000 $260,000 $40,000 $112,000
Other 21 $2,145,000 $102,000 $250,000 $77,000 $124,000
Credit Application Incomplete 8 $1,077,000 $134,000 $388,000 $45,000 $162,000
Unverifiable Information 7 $595,000 $85,000 $136,000 $46,000 $68,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,005,000 $201,000 $565,000 $99,000 $216,000
Employment History 2 $68,000 $34,000 $39,000 $12,000 $18,000
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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