Palo Pinto County, TX Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 704 mortgage applications in Palo Pinto County, TX totaling $119.9 million, down 34% from 2013. The average application was for $170,000, and applicants reported an average income of $127,000. 47% of applications resulted in an originated loan and 20% were denied. The most active lender was First Financial Bank, with 92 applications, followed by Wells Fargo Bank NA and 21st Mortgage.

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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 704
Total Mortgage Loan Application Amount $119,891,000
Average Mortgage Loan Application Amount $170,000
Highest Mortgage Loan Application Amount $2,160,000
Average Applicant Income $127,000
Highest Applicant Income $3,400,000

Mortgage Company List for Lending in Palo Pinto County, TX for 2014

* 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
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 5,194,987,000 92 $ 9,008,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 50 $ 8,026,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 38 $ 2,587,000
The Comanche National Bank
100 EAST CENTRAL AVENUE
COMANCHE, TX 76442
* $ 309,242,000 36 $ 4,315,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 25 $ 3,156,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 25 $ 7,312,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 22 $ 3,263,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 19 $ 7,063,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 17 $ 2,203,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 14 $ 2,354,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 13 $ 2,326,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 12 $ 1,332,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 10 $ 1,066,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 9 $ 1,750,000
Omniamerican Bank
1320 S UNIVERSITY DRIVE
FORT WORTH, TX 76107
* $ 1,391,433,000 9 $ 1,704,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 71,737,435,000 8 $ 2,196,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,184,373,000 8 $ 1,465,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 7 $ 1,123,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 7 $ 1,177,000
Texas Bank Financial
901 SANTA FE DRIVE
WEATHERFORD, TX 76086
* $ 108,891,000 7 $ 1,298,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 7 $ 1,103,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 6 $ 962,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 6 $ 954,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 5 $ 871,000
Txl Mortgage Corporation
11931 WICKCHESTER LN STE 444
HOUSTON, TX 77043
* $ 100,000,000 5 $ 1,348,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 5 $ 354,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,378,157,000 5 $ 2,129,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 5 $ 1,093,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 5 $ 961,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 1,691,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 4 $ 1,295,000
Willow Bend Mortgage Company, LLC
5800 W PLANO PKWY STE 105
PLANO, TX 75093
* $ 22,642,000 4 $ 715,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 4 $ 285,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 4 $ 885,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 4 $ 523,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 416,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 583,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 4 $ 950,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 4 $ 504,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 4 $ 489,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 3 $ 479,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 554,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 3 $ 303,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 3 $ 1,315,000
First National Bank Mortgage
1540 E. SOUTHLAKE BLVD
SOUTHLAKE, TX 76092
* $ 308,212,000 3 $ 1,384,000
Ameripro Funding
8300 N. MOPAC EXPRESSWAY SUITE 120
AUSTIN, TX 78759
* $ 40,000,000 3 $ 399,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 3 $ 647,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 365,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 3 $ 459,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 2 $ 271,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 29,098,779,000 2 $ 1,283,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 2 $ 246,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 955,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 512,000
4trust Mortgage Inc
4200 SOUTH HULEN STE 410
FORT WORTH, TX 76109
* $ 10,000,000 2 $ 714,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 315,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 142,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 314,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 344,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 5,717,040,000 2 $ 435,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 198,000
Fort Worth City Credit Union
2309 MONTGOMERY STREET
FORT WORTH, TX 76107
* $ 141,214,000 2 $ 140,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 487,000
Southwest Bank
4100 INTERNATIONAL PLAZA, STE 900
FORT WORTH, TX 76109
* $ 1,295,797,000 2 $ 368,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 227,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 196,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 168,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 2,161,353,000 2 $ 983,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 365,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 2 $ 233,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 2 $ 191,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 171,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 173,000
Woodhaven National Bank
6750 BRIDGE STREET
FORT WORTH, TX 76112
* $ 417,178,000 2 $ 339,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 409,634,000 2 $ 516,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 92,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 225,000
North Texas Bank, N.A.
PO BOX 1238
DECATUR, TX 76234
* $ 145,990,000 1 $ 196,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 177,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 90,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 1,138,264,000 1 $ 20,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 986,791,000 1 $ 61,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 80,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 1 $ 400,000
Pinnacle Bank - Wyoming
PO BOX 760
CODY, WY 82414
* $ 654,362,000 1 $ 134,000
Fort Worth Community Credit Union
1905 FOREST RIDGE DR
BEDFORD, TX 76021
* $ 819,388,000 1 $ 50,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 60,000
First Bank
300 E THRID
BURKBURNETT, TX 76359
* $ 296,452,000 1 $ 383,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 115,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 88,000
Inwood National Bank
7621 INWOOD RD
DALLAS, TX 75209
* $ 1,562,275,000 1 $ 1,040,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 393,000
Fidelity Bank
2525 KELL BLVD., SUITE 100
WICHITA FALLS, TX 76308
* $ 250,035,000 1 $ 500,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 62,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ 47,278,000 1 $ 141,000
Frost Bank
100 WEST HOUSTON ST
SAN ANTONIO, TX 78205
* $ 24,372,376,000 1 $ 104,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 142,000
Worthington National Bank
200 W MAIN STREET
ARLINGTON, TX 76010
* $ 179,497,000 1 $ 177,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 659,905,000 1 $ 68,000
Certified Funding, L.P.
17304 PRESTON RD STE 620
DALLAS, TX 75252
* $ 10,000,000 1 $ 75,000
Origin Bank

HOUSTON, TX 77024
* $ 3,199,260,000 1 $ 399,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,412,590,000 1 $ 60,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 1 $ 313,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 1 $ 86,000
American National Bank & Trust
2732 MIDWESTERN PKWY
WICHITA FALLS, TX 78130
* $ 427,619,000 1 $ 190,000
Ciera Bank
623 ELM ST
GRAHAM, TX 76450
* $ 502,076,000 1 $ 15,000
Citizens National Bank of Texas
P. O. BOX 717
WAXAHACHIE, TX 75168
* $ 619,709,000 1 $ 140,000
Lubbock National Bank
4811 50TH
LUBBOCK, TX 79414
* $ 822,508,000 1 $ 798,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 1 $ 80,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 1 $ 261,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 114,000
First Montana Bank
201 N HIGGINS AVE
MISSOULA, MT 59802
* $ 285,460,000 1 $ 94,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 77,000
First Bank Texas
966 N JUDGE ELY BLVD
ABILENE, TX 79601
* $ 367,474,000 1 $ 935,000
Security State Bank & Trust
201 WEST MAIN STREET
FREDERICKSBURG, TX 78624
* $ 741,492,000 1 $ 400,000
First National Bank of Hutchinson, the
PO BOX 913
HUTCHINSON, KS 67504
* $ 599,709,000 1 $ 57,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 1 $ 149,000
Southwest Bank
4800 E. 42ND STREET
ODESSA, TX 79762
* $ 302,820,000 1 $ 128,000
Peoples Bank
5820 82ND STREET
LUBBOCK, TX 79424
* $ 333,294,000 1 $ 363,000
Charis Bank
P.O. BOX 97
JUSTIN, TX 76247
* $ 67,929,000 1 $ 70,000
Veritex Community Bank
2101 ABRAMS RD
DALLAS, TX 75225
* $ 665,066,000 1 $ 2,160,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 147,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 81,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 1,269,690,000 1 $ 80,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 90,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 248,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 6,392,855,000 1 $ 300,000
Scottrade Bank
12800 CORPORATE HILL DRIVE
ST. LOUIS, MO 63131
* $ 19,547,693,000 1 $ 575,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ 9,102,000 1 $ 387,000
The Lending Partners, LLC
5560 TENNYSON PARKWAY, STE. 201
PLANO, TX 75024
* $ 10,000,000 1 $ 327,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 1 $ 61,000
Cendera Bank, National Association
P.O. BOX 97 (615 E BELLS BLVD)
BELLS, TX 75414
* $ 54,238,000 1 $ 417,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 1 $ 385,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 180,000
Viewpoint Bank, N.A.
1309 W 15TH, SUITE 302
PLANO, TX 75075
* $ 3,524,113,000 1 $ 7,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 269,000
United Heritage Credit Union
12208 N MOPAC EXPY
AUSTIN, TX 78759
* $ 765,123,000 1 $ 130,000
West Texas State Bank
1501 W UNIVERSITY
ODESSA, TX 79764
* $ 391,690,000 1 $ 60,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 96,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 405,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 277,561,000 1 $ 392,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 3,564,057,000 1 $ 56,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 142,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 61,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ 3,441,570,000 1 $ 288,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ 917,364,000 1 $ 224,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 78,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 191,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 1 $ 107,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 94,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 75,000

The tables below break down 2014 mortgage applications in Palo Pinto County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Palo Pinto County, TX in 2014

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 400 $71,120,000 $177,000 $1,673,000 $136,000 $3,400,000
Refinancing 258 $46,168,000 $178,000 $2,160,000 $115,000 $2,500,000
Home Improvement 46 $2,603,000 $56,000 $584,000 $113,000 $1,361,000

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 488 $86,382,000 $177,000 $2,160,000 $150,000 $3,400,000
Not applicable 79 $15,038,000 $190,000 $1,340,000 $17,000 $332,000
Hispanic 71 $8,315,000 $117,000 $1,177,000 $93,000 $867,000
Not Provided 49 $7,916,000 $161,000 $845,000 $137,000 $2,500,000
American Indian or Alaskan Native 8 $1,238,000 $154,000 $417,000 $103,000 $412,000
Black or African American 4 $370,000 $92,000 $184,000 $46,000 $60,000
Asian 3 $294,000 $98,000 $125,000 $32,000 $52,000
Native Hawaiian or Other Pacific Islander 2 $338,000 $169,000 $281,000 $120,000 $181,000

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) 539 $98,926,000 $183,000 $2,160,000 $150,000 $3,400,000
FHA-insured (Federal Housing Administration) 105 $11,848,000 $112,000 $275,000 $46,000 $227,000
VA-guaranteed (Veterans Administration) 36 $6,721,000 $186,000 $414,000 $70,000 $184,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 24 $2,396,000 $99,000 $147,000 $38,000 $76,000

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 334 $63,159,000 $189,000 $2,160,000 $160,000 $3,400,000
Application Denied By Financial Institution 143 $15,974,000 $111,000 $876,000 $78,000 $867,000
Loan Purchased By The Institution 100 $18,349,000 $183,000 $701,000 $57,000 $554,000
Application Withdrawn By Applicant 67 $12,692,000 $189,000 $845,000 $191,000 $2,500,000
Application Approved But Not Accepted 44 $6,322,000 $143,000 $750,000 $99,000 $293,000
File Closed For Incompleteness 16 $3,395,000 $212,000 $900,000 $114,000 $524,000
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 38 $2,763,000 $72,000 $275,000 $62,000 $202,000
Debt-To-Income Ratio 23 $3,393,000 $147,000 $876,000 $87,000 $281,000
Collateral 18 $1,812,000 $100,000 $281,000 $84,000 $188,000
Other 8 $1,212,000 $151,000 $538,000 $53,000 $179,000
Credit Application Incomplete 7 $1,823,000 $260,000 $575,000 $143,000 $354,000
Employment History 3 $51,000 $17,000 $33,000 $71,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 3 $363,000 $121,000 $275,000 $56,000 $122,000
Unverifiable Information 2 $198,000 $99,000 $122,000 $92,000 $109,000
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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