Otero County, NM Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 2,109 mortgage applications in Otero County, NM totaling $297.1 million, up 12% from 2014. The average application was for $140,000, and applicants reported an average income of $60,000. 44% of applications resulted in an originated loan and 16% were denied. The most active lender was Bank 34, with 339 applications, followed by Wells Fargo Bank NA and First Community Mortgage, Inc..

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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 2,109
Total Mortgage Loan Application Amount $297,126,000
Average Mortgage Loan Application Amount $140,000
Highest Mortgage Loan Application Amount $755,000
Average Applicant Income $60,000
Highest Applicant Income $1,306,000

Mortgage Company List for Lending in Otero County, NM for 2015

* 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
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 247,645,000 339 $ 53,128,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 315 $ 45,453,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 94 $ 15,008,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 91 $ 12,863,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 77 $ 11,915,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 66 $ 11,046,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 55 $ 3,561,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 45 $ 5,885,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 45 $ 7,263,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 44 $ 4,678,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 33 $ 4,277,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 31 $ 2,179,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 30 $ 4,927,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 29 $ 5,481,000
Pioneer Bank
3000 N. MAIN ST. / P. O. BOX 130
ROSWELL, NM 88201
* $ 673,205,000 29 $ 2,318,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 27 $ 766,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 27 $ 4,197,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 23 $ 4,389,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 23 $ 2,661,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 20 $ 2,000,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 20 $ 3,234,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 19 $ 3,105,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 19 $ 2,547,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 1,040,072,000 19 $ 2,072,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 18 $ 1,882,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 17 $ 2,422,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 15 $ 1,931,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 14 $ 2,496,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 14 $ 2,648,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 14 $ 2,053,000
First Savings Bank
201 N 3RD ST
BERESFORD, SD 57004
* $ 518,733,000 13 $ 1,271,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 12 $ 2,007,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 12 $ 1,514,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 11 $ 2,093,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 10 $ 1,982,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 9 $ 1,132,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 9 $ 1,398,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 9 $ 1,510,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 8 $ 826,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 8 $ 1,169,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 8 $ 721,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 7 $ 706,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 7 $ 667,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 7 $ 1,323,000
City Bank
5219 CITY BANK PARKWAY
LUBBOCK, TX 79408
* $ 2,332,169,000 7 $ 1,513,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 7 $ 1,643,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 7 $ 942,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 7 $ 1,285,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 6 $ 872,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 6 $ 159,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,493,978,000 6 $ 943,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 6 $ 643,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 567,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 5 $ 671,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 5 $ 638,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 5 $ 946,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 5 $ 291,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 5 $ 196,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 5 $ 1,064,000
The Home Lending Group, LLC
215 KATHERINE DRIVE
FLOWOOD, MS 39232
* $ 22,596,000 4 $ 442,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 497,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 422,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 4 $ 712,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ 3,153,000 4 $ 390,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 4 $ 370,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 4 $ 356,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 874,000
First New Mexico Bank, Las Cru
3000 E. LOHMAN AVE
LAS CRUCES, NM 88011
* $ 115,668,000 4 $ 143,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 4 $ 744,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 4 $ 948,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 3 $ 508,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 238,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 3 $ 290,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 3 $ 412,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 3 $ 332,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 507,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 372,000
Citizens Bank of Las Cruces
505 S MAIN STREET
LAS CRUCES, NM 88001
* $ 450,081,000 3 $ 260,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 463,562,000 3 $ 812,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 3 $ 640,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 3 $ 425,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 3 $ 187,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 475,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 283,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 421,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 2 $ 335,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 355,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 2 $ 178,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 2 $ 285,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 273,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 2 $ 133,000
Legacy Mortgage LLC
6725 ACADEMY ROAD NE
ALBUQUERQUE, NM 87109
* $ 1,000,000,000 2 $ 269,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 2 $ 470,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 573,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 612,661,000 2 $ 229,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 2 $ 274,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 150
RICHARDSON, TX 75083
* $ 2,105,747,000 2 $ 758,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,291,449,000 2 $ 667,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 124,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 388,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 124,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 267,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 183,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 2 $ 372,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 2 $ 361,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 251,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 1 $ 112,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 691,345,000 1 $ 146,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 1 $ 229,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 1 $ 228,000
Raiz Federal Credit Union
12020 ROJAS
EL PASO, TX 79936
* $ 503,091,000 1 $ 50,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,482,812,000 1 $ 10,000
First United Bank
5802 4TH STREET
LUBBOCK, TX 79416
* $ 1,173,561,000 1 $ 62,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 1 $ 140,000
Western Commerce Bank
PO BOX 1358
CARLSBAD, NM 88220
* $ 440,170,000 1 $ 106,000
First New Mexico Bank
300 S GOLD AVE
DEMING, NM 88030
* $ 219,098,000 1 $ 74,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 968,312,000 1 $ 153,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 92,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ 10,000,000 1 $ 263,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 92,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 160,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 69,000
Black Hills Federal Credit Union
PO BOX 1420-225 MAIN ST
RAPID CITY, SD 57702
* $ 1,017,998,000 1 $ 45,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ 1,529,310,000 1 $ 126,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 205,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 107,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 205,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 165,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 145,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 200,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 63,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ 20,474,937,000 1 $ 64,000
My Community Credit Union
600 W LOUISIANA AVE
MIDLAND, TX 79701
* $ 302,755,000 1 $ 124,000
White Sands Federal Credit Union
2755 N MAIN ST
LAS CRUCES, NM 88004
* $ 265,380,000 1 $ 28,000
Century Bank
PO BOX 1507
SANTA FE, NM 87504
* $ 603,535,000 1 $ 49,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 328,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 81,661,915,000 1 $ 80,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 1 $ 120,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 2,499,140,000 1 $ 380,000
American Lending Inc
2900 BRISTOL ST BLGD H STE 202
COSTA MESA, CA 92626
* $ 2,500,000 1 $ 145,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ 800,087,000 1 $ 176,000
Stearns Bank National Association
4191 2ND ST S
ST. CLOUD, MN 56301
* $ 1,763,816,000 1 $ 500,000
Community National Bank
401 W. TEXAS AVE.
MIDLAND, TX 79701
* $ 1,157,173,000 1 $ 225,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 1 $ 52,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ 17,900,000 1 $ 75,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,508,574,000 1 $ 98,000
Security Bank
600 N. MARIENFELD, STE 200
MIDLAND, TX 79701
* $ 940,966,000 1 $ 60,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,726,299,000 1 $ 5,000
First National Bank
7400 VISCOUNT BLVD
EL PASO, TX 79925
* $ 327,660,000 1 $ 101,000
Firstlight Federal Credit Unio
9983 KENWORTHY ST.
EL PASO, TX 79924
* $ 856,066,000 1 $ 102,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 218,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 90,000
Main Bank
PO BOX 36630
ALBUQUERQUE, NM 87110
* $ 105,315,000 1 $ 200,000

The tables below break down 2015 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 2015

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 1,046 $153,351,000 $146,000 $417,000 $66,000 $539,000
Refinancing 949 $138,039,000 $145,000 $755,000 $53,000 $1,306,000
Home Improvement 114 $5,736,000 $50,000 $370,000 $76,000 $1,200,000

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 1,240 $177,965,000 $143,000 $755,000 $72,000 $1,306,000
Hispanic 364 $43,141,000 $118,000 $613,000 $57,000 $384,000
Not applicable 207 $32,387,000 $156,000 $500,000 $10,000 $488,000
Not Provided 164 $22,845,000 $139,000 $427,000 $56,000 $333,000
Black or African American 90 $15,160,000 $168,000 $387,000 $48,000 $250,000
American Indian or Alaskan Native 26 $3,096,000 $119,000 $408,000 $56,000 $195,000
Asian 12 $1,862,000 $155,000 $284,000 $56,000 $107,000
Native Hawaiian or Other Pacific Islander 6 $670,000 $111,000 $328,000 $36,000 $90,000

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) 883 $106,539,000 $120,000 $755,000 $82,000 $1,306,000
VA-guaranteed (Veterans Administration) 873 $150,823,000 $172,000 $464,000 $48,000 $450,000
FHA-insured (Federal Housing Administration) 351 $39,502,000 $112,000 $270,000 $38,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $262,000 $131,000 $133,000 $48,000 $54,000

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 927 $130,298,000 $140,000 $464,000 $70,000 $1,306,000
Loan Purchased By The Institution 445 $72,316,000 $162,000 $417,000 $49,000 $1,306,000
Application Denied By Financial Institution 334 $38,415,000 $115,000 $500,000 $56,000 $1,200,000
Application Withdrawn By Applicant 226 $33,452,000 $148,000 $613,000 $60,000 $696,000
File Closed For Incompleteness 115 $14,355,000 $124,000 $322,000 $39,000 $240,000
Application Approved But Not Accepted 62 $8,290,000 $133,000 $755,000 $62,000 $220,000
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 53 $3,488,000 $65,000 $280,000 $52,000 $251,000
Collateral 42 $5,212,000 $124,000 $494,000 $70,000 $219,000
Debt-To-Income Ratio 34 $4,387,000 $129,000 $500,000 $41,000 $108,000
Credit Application Incomplete 25 $3,127,000 $125,000 $371,000 $67,000 $248,000
Other 22 $2,694,000 $122,000 $380,000 $42,000 $185,000
Insufficient Cash (Downpayment, Closing Cost) 7 $887,000 $126,000 $323,000 $52,000 $93,000
Unverifiable Information 5 $784,000 $156,000 $383,000 $325,000 $1,200,000
Employment History 4 $356,000 $89,000 $138,000 $49,000 $94,000
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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