Otero County, NM Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,680 mortgage applications in Otero County, NM totaling $381.0 million, up 11% from 2011. The average application was for $142,000, and applicants reported an average income of $63,000. 46% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 691 applications, followed by Bank 34 and USAA Federal Savings Bank.

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Total Number of Mortgage Applications 2,680
Total Mortgage Loan Application Amount $381,014,000
Average Mortgage Loan Application Amount $142,000
Highest Mortgage Loan Application Amount $2,138,000
Average Applicant Income $63,000
Highest Applicant Income $1,049,000

Mortgage Company List for Lending in Otero County, NM for 2012

* 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
* $ 1,161,490,000,000 691 $ 103,817,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 180,215,000 343 $ 50,453,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 125 $ 20,913,000
Pioneer Bank
3000 N. MAIN ST. / P. O. BOX 130
ROSWELL, NM 88201
* $ 594,700,000 102 $ 10,460,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 79 $ 12,574,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 77 $ 10,484,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 76 $ 11,047,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 25,359,999,000 59 $ 7,624,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 56 $ 6,039,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 55 $ 5,741,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 732,255,000 52 $ 7,503,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 51 $ 2,797,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 50 $ 6,711,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 48 $ 7,538,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 46 $ 4,676,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 38 $ 5,834,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 31 $ 3,054,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 31 $ 3,758,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 30 $ 1,620,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 63,106,987,000 29 $ 3,705,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 26 $ 3,199,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 24 $ 3,419,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 23 $ 4,445,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 22 $ 4,084,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 15 $ 1,461,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 15 $ 2,589,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ 436,593,000 14 $ 1,413,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 13 $ 2,232,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 12 $ 1,964,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 12 $ 2,384,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 13,653,019,000 12 $ 1,769,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 11 $ 1,367,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 11 $ 1,360,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 11 $ 1,950,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 9 $ 1,018,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 9 $ 2,011,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 9 $ 1,546,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 974,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 8 $ 946,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 8 $ 1,358,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 8 $ 678,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 7 $ 841,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 7 $ 895,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 7 $ 1,031,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 6 $ 625,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 6 $ 1,022,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 6 $ 820,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 6 $ 970,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 612,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 5 $ 927,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 5 $ 961,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 5 $ 825,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 5 $ 798,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 5 $ 610,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 4 $ 380,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 4 $ 451,000
Citizens Bank of Las Cruces
505 S MAIN STREET
LAS CRUCES, NM 88001
* $ 393,709,000 4 $ 495,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 4 $ 685,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 4 $ 325,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 4 $ 1,087,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 4 $ 915,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 1,611,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 4 $ 721,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 412,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 3 $ 441,000
The Lending Company
6910 E CHAUNCEY LN STE 220
PHOENIX, AZ 85054
* $ 40,000,000 3 $ 649,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 3 $ 660,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 3 $ 492,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 3 $ 481,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 3 $ 537,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 3 $ 510,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,020,141,000 3 $ 359,000
Peoples Bank
5820 82ND STREET
LUBBOCK, TX 79424
* $ 264,196,000 3 $ 364,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 248,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 3 $ 36,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 128,000
Weststar Bank
500 N MESA STREET
EL PASO, TX 79901
* $ 986,432,000 2 $ 822,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 2 $ 236,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 142,000
White Sands Federal Credit Union
2755 N MAIN ST
LAS CRUCES, NM 88004
* $ 240,567,000 2 $ 188,000
Firstlight Federal Credit Unio
9983 KENWORTHY ST.
EL PASO, TX 79924
* $ 760,260,000 2 $ 168,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 2 $ 247,000
First New Mexico Bank, Las Cru
3000 E. LOHMAN AVE
LAS CRUCES, NM 88011
* $ 98,656,000 2 $ 491,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 2 $ 398,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 2 $ 345,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,179,394,000 2 $ 410,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 2 $ 323,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 2 $ 164,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 299,000
Rocky Mountain Mortgage Company
2244 TRAWOOD SUITE 100
EL PASO, TX 79935
* $ 10,000,000 2 $ 228,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 2 $ 340,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 148,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 290,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,563,405,000 2 $ 332,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 410,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ 10,000,000 2 $ 276,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 2 $ 167,000
The Mortgage Company
7343 S ALTON WAY STE 150
CENTENNIAL, CO 80112
* $ 5,768,000 2 $ 214,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 81,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 1 $ 144,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 1 $ 240,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 180,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 135,000
First California Mortgage Co., Inc.
1400 N MCDOWELL BLVD, SUITE 300
PETALUMA, CA 94954
* $ 10,000,000 1 $ 138,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 133,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 235,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 107,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 154,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 109,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 199,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 130,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 129,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 182,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 200,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 1 $ 145,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 1 $ 137,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 1 $ 330,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 255,171,000 1 $ 295,000
Extraco Banks, NA
18 SOUTH MAIN STREET
TEMPLE, TX 76502
* $ 1,194,000,000 1 $ 10,000
Firstar Bank, National Association
PO BOX 308
ROLAND, OK 74954
* $ 223,553,000 1 $ 68,000
Los Alamos National Bank
1200 TRINITY DR.
LOS ALAMOS, NM 87544
* $ 1,515,912,000 1 $ 155,000
First National Bank Mortgage
1540 E. SOUTHLAKE BLVD
SOUTHLAKE, TX 76092
* $ 310,629,000 1 $ 81,000
Bank of the Rio Grande, N.A.
421 N. WATER
LAS CRUCES, NM 88001
* $ 101,651,000 1 $ 1,375,000
Peoples National Bank
5175 N ACADEMY BLVD
COLORADO SPRINGS, CO 80918
* $ 196,611,000 1 $ 151,000
Century Bank
PO BOX 1507
SANTA FE, NM 87504
* $ 545,533,000 1 $ 177,000
Capital Bank, SSB
201 E. MAIN FIFTH FLOOR
EL PASO, TX 79901
* $ 140,993,000 1 $ 600,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 254,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 263,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 1 $ 99,000
Firstcapital Bank of Texas, National Association
3900 S. SONCY RD
AMARILLO, TX 79119
* $ 593,537,000 1 $ 159,000
Gsb Mortgage, Inc.
201 N. MAIN STREET
GRAPEVINE, TX 76051
* $ 249,973,000 1 $ 615,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 286,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ 1,151,433,000 1 $ 163,000
United Bank
2600 SOUTH THOMPSON
SPRINGDALE, AR 72764
* $ 170,182,000 1 $ 214,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 81,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,140,785,000 1 $ 33,000
Gateway Bank F.S.B.
360 8TH STREET
OAKLAND, CA 94607
* $ 266,820,000 1 $ 138,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 1 $ 8,000
Pioneer Mortgage Company
3000 N. MAIN ST./P. O. BOX 130
ROSWELL, NM 88201
* $ 226,357,000 1 $ 160,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 322,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 2,704,592,000 1 $ 83,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 987,157,000 1 $ 175,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 870,105,000 1 $ 110,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,912,333,000 1 $ 55,000
Advantis Credit Union
10501 SE MAIN ST
OREGON CITY, OR 97222
* $ 864,530,000 1 $ 44,000
Security State Bank
501 PHELPS AVE; PO BOX 470
LITTLEFIELD, TX 79339
* $ 107,889,000 1 $ 62,000
First New Mexico Bank
300 S GOLD AVE
DEMING, NM 88030
* $ 194,106,000 1 $ 66,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ 10,000,000 1 $ 100,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 131,000
State Employees Credit Union
813 ST. MICHAELS DR.
SANTA FE, NM 87505
* $ 307,725,000 1 $ 30,000
Jfk Financial, Inc.
8985 S EASTERN AVE #325
LAS VEGAS, NV 89123
* $ 5,820,485,000 1 $ 231,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 66,000
Americash
3080 BRISTOL STREET, SUITE 300
COSTA MESA, CA 92626
* $ 10,000,000 1 $ 261,000

The tables below break down 2012 mortgage applications in Otero County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Otero County, NM 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 1,676 $247,083,000 $147,000 $1,405,000 $57,000 $1,049,000
Home Purchase 924 $128,884,000 $139,000 $2,138,000 $73,000 $909,000
Home Improvement 80 $5,047,000 $63,000 $525,000 $61,000 $287,000

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 1,695 $249,767,000 $147,000 $615,000 $67,000 $909,000
Hispanic 465 $55,031,000 $118,000 $1,405,000 $59,000 $897,000
Not Provided 226 $31,551,000 $139,000 $600,000 $62,000 $1,049,000
Not applicable 128 $19,362,000 $151,000 $2,138,000 $25,000 $632,000
Black or African American 103 $17,185,000 $166,000 $363,000 $58,000 $348,000
Asian 30 $4,350,000 $145,000 $298,000 $76,000 $240,000
American Indian or Alaskan Native 26 $2,765,000 $106,000 $303,000 $56,000 $148,000
Native Hawaiian or Other Pacific Islander 7 $1,003,000 $143,000 $234,000 $28,000 $75,000

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) 1,288 $168,809,000 $131,000 $2,138,000 $88,000 $1,049,000
VA-guaranteed (Veterans Administration) 916 $157,527,000 $171,000 $426,000 $39,000 $275,000
FHA-insured (Federal Housing Administration) 473 $54,147,000 $114,000 $310,000 $38,000 $235,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $531,000 $177,000 $199,000 $76,000 $82,000

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 1,229 $181,766,000 $147,000 $2,138,000 $65,000 $1,049,000
Loan Purchased By The Institution 591 $90,495,000 $153,000 $600,000 $62,000 $931,000
Application Denied By Financial Institution 418 $48,823,000 $116,000 $1,375,000 $58,000 $909,000
Application Withdrawn By Applicant 219 $30,699,000 $140,000 $385,000 $65,000 $305,000
Application Approved But Not Accepted 125 $17,003,000 $136,000 $1,405,000 $60,000 $548,000
File Closed For Incompleteness 98 $12,228,000 $124,000 $289,000 $58,000 $270,000
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 110 $8,974,000 $81,000 $615,000 $55,000 $909,000
Collateral 69 $9,232,000 $133,000 $417,000 $65,000 $212,000
Debt-To-Income Ratio 65 $8,691,000 $133,000 $1,375,000 $45,000 $143,000
Credit Application Incomplete 42 $5,950,000 $141,000 $302,000 $72,000 $648,000
Other 37 $4,381,000 $118,000 $334,000 $77,000 $267,000
Unverifiable Information 10 $1,567,000 $156,000 $254,000 $62,000 $138,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,378,000 $137,000 $297,000 $85,000 $311,000
Employment History 2 $348,000 $174,000 $270,000 $24,000 $49,000
Mortgage Insurance Denied 1 $246,000 $246,000 $246,000 $82,000 $82,000

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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