Ottawa County, OK Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 681 mortgage applications in Ottawa County, OK totaling $97.7 million, down 21% from 2022. The average application was for $143,000, and applicants reported an average income of $78,000. 45% of applications resulted in an originated loan and 19% were denied. The most active lender was Arvest Bank, with 128 applications, followed by Flat Branch Mortgage, Inc. and Vanderbilt Mortgage and Finance, 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 | 681 |
| Total Mortgage Loan Application Amount | $97,675,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $4,505,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,800,000 |
* 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 |
|---|---|---|---|---|
| Arvest Bank TULSA, OK 74103 |
* | $ 26,441,420,000 | 128 | $ 16,080,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 54 | $ 7,290,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 46 | $ 5,300,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 28 | $ 3,790,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 21 | $ 3,335,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 479,101,000 | 20 | $ 2,190,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 19 | $ 2,595,000 |
| Bancfirst 101 NORTH BROADWAY AVENUE OKLAHOMA CITY, OK 73102 |
* | $ 10,406,351,000 | 15 | $ 1,425,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 13 | $ 1,405,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 12 | $ 2,440,000 |
| Grand Savings Bank P O BOX 451809, 1022 SOUTH MAIN GROVE, OK 74344 |
* | $ 848,960,000 | 11 | $ 1,275,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 11 | $ 1,535,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 10 | $ 1,720,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 9 | $ 1,125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 8 | $ 1,160,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 8 | $ 1,000,000 |
| People's Bank of Seneca PO BOX 500 SENECA, MO 64865 |
* | $ 384,036,000 | 7 | $ 1,235,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 47,596,192,000 | 7 | $ 955,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,625,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 7 | $ 1,145,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 7 | $ 1,105,000 |
| Ttcu Federal Credit Union 9815 E 81ST ST TULSA, OK 74133 |
* | $ 2,684,022,000 | 7 | $ 685,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 700,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 6 | $ 570,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 6 | $ 920,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 675,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 5 | $ 145,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 5 | $ 225,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 1,065,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 910,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 620,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 4 | $ 350,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 470,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 4 | $ 400,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 800,000 |
| Southwest Missouri Bank 300 WEST THIRD STREET CARTHAGE, MO 64836 |
* | $ 1,087,807,000 | 3 | $ 475,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 3 | $ 365,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 765,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 505,000 |
| Pinnacle Bank 20544 HWY 370 LINCOLN, NE 68508 |
* | $ 7,724,198,000 | 3 | $ 245,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 755,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 375,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 3 | $ 235,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 8,748,621,000 | 3 | $ 355,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,550,980,000 | 2 | $ 220,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 2 | $ 140,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 530,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 470,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 2 | $ 280,000 |
| F&M Bank 17100 N MAY AVE EDMOND, OK 73012 |
* | $ 647,283,000 | 2 | $ 480,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 250,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 260,000 |
| Associated Mortgage Corporation 6911 SOUTH 66TH EAST AVENUE SUITE 100 TULSA, OK 74136 |
* | $ -1,000 | 2 | $ 210,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 2 | $ 2,980,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 360,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 2 | $ 370,000 |
| Community Bank and Trust 100 SOUTH WOOD ST NEOSHO, MO 64850 |
* | $ 405,161,000 | 2 | $ 120,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 330,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,684,000,000 | 2 | $ 230,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 310,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 2 | $ 310,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 200,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 2 | $ 350,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 120,000 |
| First Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 2,427,913,000 | 2 | $ 390,000 |
| Communication Federal Credit Union 4141 NW EXPRESSWAY, SUITE 200 OKLAHOMA CITY, OK 73116 |
* | $ 1,956,034,000 | 2 | $ 380,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 170,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 260,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 240,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 2 | $ 90,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 140,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 90,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 3,775,612,000 | 2 | $ 380,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 220,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 370,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 1,004,612,000 | 1 | $ 85,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 515,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 515,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 115,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 105,000 |
| New Fed Mortgage Corp. 98 HIGH ST DANVERS, MA 01923 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 135,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 31,679,817,000 | 1 | $ 55,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 115,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 325,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 95,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 225,000 |
| Guaranty Bank ANKENY, IA 50023 |
* | $ 2,148,808,000 | 1 | $ 175,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 115,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 1 | $ 335,000 |
| Oklahoma Educators Credit Union 4001 NW EXPRESSWAY OKLAHOMA CITY, OK 73116 |
* | $ 253,800,000 | 1 | $ 205,000 |
| Spiritbank 1800 S BALTIMORE AVE STE 600 TULSA, OK 74119 |
* | $ 698,929,000 | 1 | $ 135,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 445,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 215,000 |
| Tinker Federal Credit Union 4140 W I-40 OKLAHOMA CITY, OK 73108 |
* | $ 6,032,105,000 | 1 | $ 25,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 125,000 |
| First United Bank and Trust Co PO BOX 130 DURANT, OK 74702 |
* | $ 14,547,035,000 | 1 | $ 135,000 |
| Western Alliance Bank 2901 N CENTRAL AVENUE PHOENIX, AZ 85012 |
* | $ 67,683,841,000 | 1 | $ 85,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 95,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 1 | $ 445,000 |
| Firstoak Bank 113 N PENN AVE, PO BOX 868 INDEPENDENCE, KS 67301 |
* | $ 230,829,000 | 1 | $ 185,000 |
| American Bank of Oklahoma 200 E MAIN, P.O. BOX 66 COLLINSVILLE, OK 74021 |
* | $ 353,552,000 | 1 | $ 305,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 95,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ -1,000 | 1 | $ 75,000 |
| Mabrey Bank P O BOX 130 BIXBY, OK 74008 |
* | $ 1,577,103,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 265,000 |
| Corefirst Bank & Trust 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 1,244,001,000 | 1 | $ 25,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ 19,309,880,000 | 1 | $ 465,000 |
| Oklahoma Central Credit Union 4956 SOUTH PEORIA AVENUE 4956 S. PEORIA AVE, OK 74105 |
* | $ 692,106,000 | 1 | $ 255,000 |
| The Bank, National Association 201 E CARL ALBERT PKWY MCALESTER, OK 74501 |
* | $ 484,490,000 | 1 | $ 135,000 |
| The First National Bank and Trust Company of Broke 121 SOUTH MAIN STEET BROKEN ARROW, OK 74012 |
* | $ 247,372,000 | 1 | $ 1,675,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 25,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 105,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 1 | $ 405,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 75,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 1 | $ 105,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 215,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 185,000 |
| Armstrong Bank 1111 W BROADWAY MUSKOGEE, OK 74401 |
* | $ 2,395,777,000 | 1 | $ 235,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,436,322,000 | 1 | $ 385,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 473,884,000 | 1 | $ 75,000 |
| Originpoint, LLC 1800 W LARCHMONT AVE SUITE 305 CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 105,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ 1,208,524,000 | 1 | $ 185,000 |
The tables below break down 2023 mortgage applications in Ottawa 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 Ottawa County, OK in 2023
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 | 458 | $69,740,000 | $152,000 | $2,005,000 | $76,000 | $1,800,000 |
| Cash-out Refinancing | 88 | $11,950,000 | $135,000 | $445,000 | $85,000 | $919,000 |
| Other Purpose | 57 | $3,375,000 | $59,000 | $325,000 | $69,000 | $319,000 |
| Refinancing | 39 | $6,045,000 | $155,000 | $505,000 | $83,000 | $272,000 |
| Home Improvement | 35 | $6,265,000 | $179,000 | $4,505,000 | $88,000 | $213,000 |
| Not Applicable | 4 | $300,000 | $75,000 | $125,000 | $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 | 401 | $50,275,000 | $125,000 | $515,000 | $71,000 | $919,000 |
| American Indian or Alaskan Native | 121 | $13,795,000 | $114,000 | $505,000 | $73,000 | $213,000 |
| Not applicable | 86 | $19,460,000 | $226,000 | $4,505,000 | $81,000 | $126,000 |
| Not Provided | 43 | $10,195,000 | $237,000 | $2,005,000 | $149,000 | $1,800,000 |
| Hispanic | 17 | $2,035,000 | $119,000 | $295,000 | $71,000 | $229,000 |
| Asian | 4 | $570,000 | $142,000 | $165,000 | $106,000 | $270,000 |
| Black or African American | 4 | $630,000 | $157,000 | $445,000 | $58,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $250,000 | $125,000 | $135,000 | $51,000 | $59,000 |
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) | 385 | $54,325,000 | $141,000 | $4,505,000 | $85,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 161 | $21,045,000 | $130,000 | $335,000 | $61,000 | $218,000 |
| VA-guaranteed (Veterans Administration) | 78 | $14,900,000 | $191,000 | $445,000 | $81,000 | $272,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $7,405,000 | $129,000 | $235,000 | $63,000 | $95,000 |
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 | 307 | $47,135,000 | $153,000 | $4,505,000 | $79,000 | $513,000 |
| Application Denied By Financial Institution | 126 | $15,280,000 | $121,000 | $2,005,000 | $76,000 | $1,800,000 |
| Loan Purchased By The Institution | 90 | $13,330,000 | $148,000 | $355,000 | $120,000 | $919,000 |
| Application Withdrawn By Applicant | 86 | $11,910,000 | $138,000 | $515,000 | $70,000 | $268,000 |
| File Closed For Incompleteness | 44 | $5,680,000 | $129,000 | $395,000 | $70,000 | $272,000 |
| Application Approved But Not Accepted | 28 | $4,340,000 | $155,000 | $505,000 | $89,000 | $300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 541 | $80,745,000 | $149,000 | $4,505,000 | $77,000 | $919,000 |
| Credit History | 60 | $6,000,000 | $100,000 | $515,000 | $66,000 | $300,000 |
| Debt-To-Income Ratio | 42 | $4,250,000 | $101,000 | $335,000 | $70,000 | $437,000 |
| Collateral | 14 | $3,200,000 | $228,000 | $2,005,000 | $178,000 | $1,800,000 |
| Credit Application Incomplete | 7 | $795,000 | $113,000 | $135,000 | $59,000 | $119,000 |
| Other | 7 | $1,495,000 | $213,000 | $975,000 | $77,000 | $136,000 |
| Unverifiable Information | 7 | $765,000 | $109,000 | $145,000 | $74,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $265,000 | $100,000 | $107,000 |
| Employment History | 1 | $25,000 | $25,000 | $25,000 | $29,000 | $29,000 |
| 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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