Pend Oreille County, WA Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 758 mortgage applications in Pend Oreille County, WA totaling $138.2 million, up 12% from 2017. The average application was for $182,000, and applicants reported an average income of $96,000. 48% of applications resulted in an originated loan and 18% were denied. The most active lender was Spokane Teachers Credit Union, with 65 applications, followed by Glacier Bank and Guild Mortgage Company.
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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 | 758 |
| Total Mortgage Loan Application Amount | $138,230,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $1,075,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $4,536,000 |
* 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 |
|---|---|---|---|---|
| Spokane Teachers Credit Union 1620 N SIGNAL DR LIBERTY LAKE, WA 99019 |
* | $ 2,736,656,000 | 65 | $ 6,445,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,652,147,000 | 43 | $ 6,485,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 38 | $ 5,230,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 204,660,000 | 35 | $ 6,785,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 32 | $ 7,480,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 2,055,621,000 | 31 | $ 5,325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 19 | $ 2,885,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 6,233,807,000 | 16 | $ 2,910,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 15 | $ 4,165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 2,810,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 13 | $ 2,445,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 13 | $ 2,385,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 13 | $ 1,395,000 |
| Homestreet Bank 601 UNION STREET 2000 TWO UNION SQUARE SEATTLE, WA 98101 |
* | $ 6,700,442,000 | 12 | $ 2,610,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 2,140,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 11 | $ 1,795,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,585,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 1,975,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 11 | $ 1,645,000 |
| Washington Federal 425 PIKE ST SEATTLE, WA 98101 |
* | $ 15,585,466,000 | 10 | $ 1,970,000 |
| Banner Bank 10 SOUTH 1ST STREET WALLA WALLA, WA 99362 |
* | $ 9,479,334,000 | 10 | $ 2,600,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 17,840,297,000 | 9 | $ 985,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 9 | $ 2,105,000 |
| Evergreen Moneysource Mortgage Company 15405 SE 37TH STREET BELLEVUE, WA 98006 |
* | $ -1,000 | 9 | $ 1,725,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 8 | $ 1,230,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 25,711,323,000 | 8 | $ 1,680,000 |
| Gesa Credit Union 51 GAGE BLVD RICHLAND, WA 99352 |
* | $ 1,902,375,000 | 8 | $ 1,730,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 7 | $ 1,255,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 947,976,000 | 7 | $ 915,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ -1,000 | 6 | $ 620,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 6 | $ 850,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,440,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 6 | $ 530,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 910,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 1,050,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 1,215,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 995,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 1,025,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 5 | $ 1,225,000 |
| Inspirus Credit Union 5200 SOUTHCENTER BLVD SEATTLE, WA 98188 |
* | $ 1,257,848,000 | 5 | $ 275,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 885,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 5 | $ 995,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 975,000 |
| Global 1500 W 4TH AVE SPOKANE, WA 99201 |
* | $ 449,646,000 | 4 | $ 720,000 |
| Penrith Home Loans MODESTO, CA 95350 |
* | $ -1,000 | 4 | $ 790,000 |
| 1st Security Bank of Washington 6920 220TH STREET SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 981,497,000 | 4 | $ 1,080,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 4 | $ 290,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 4 | $ 790,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 12,151,833,000 | 4 | $ 1,290,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 53,495,452,000 | 3 | $ 765,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 3 | $ 875,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 3 | $ 445,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 3 | $ 445,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 3 | $ 975,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 3 | $ 815,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 305,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 3 | $ 855,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 1,165,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 355,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 625,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 900,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 2 | $ 850,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 100,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 450,000 |
| Mortgage Master Service Corporation 20425 72ND AVENUE SOUTH, SUITE 210 KENT, WA 98032 |
* | $ -1,000 | 2 | $ 510,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 300,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 2 | $ 610,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 290,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 590,000 |
| Idaho Independent Bank 1260 W RIVERSTONE DR COEUR D ALENE, ID 83814 |
* | $ 693,340,000 | 2 | $ 290,000 |
| Peoples Bank 3100 WOBURN STREET BELLINGHAM, WA 98226 |
* | $ 1,665,528,000 | 2 | $ 840,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 570,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 2 | $ 60,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 2 | $ 390,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 240,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 2 | $ 450,000 |
| Wsecu PO BOX WSECU OLYMPIA, WA 98507 |
* | $ 2,765,325,000 | 2 | $ 250,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 440,000 |
| National Bank of Commerce 813 SHADES CREEK PARKWAY SUITE 100 BIRMINGHAM, AL 35209 |
* | $ 2,735,073,000 | 2 | $ 550,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 540,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 2 | $ 620,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 200,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 440,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 540,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 350,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 2 | $ 550,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 118,072,176,000 | 2 | $ 580,000 |
| Priority Home Lending, LLC HOUSTON, TX 77027 |
* | $ -1,000 | 2 | $ 400,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 380,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 440,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 195,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 155,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 295,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 165,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 155,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 23,949,542,000 | 1 | $ 1,075,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 8,273,309,000 | 1 | $ 45,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 105,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 105,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of the Pacific 300 EAST MARKET / PO BOX 1826 ABERDEEN, WA 98520 |
* | $ 894,049,000 | 1 | $ 195,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 325,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,678,712,000 | 1 | $ 305,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 1 | $ 115,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 305,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 133,225,000 | 1 | $ 275,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 255,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 417,436,000 | 1 | $ 315,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 245,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 1 | $ 305,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 255,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 155,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 1 | $ 105,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 1 | $ 135,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 969,487,000 | 1 | $ 235,000 |
| First Mortgage Solutions, LLC 9237 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 |
* | $ -1,000 | 1 | $ 225,000 |
| Global Federal Credit Union PO BOX 196850 ANCHORAGE, AK 99503 |
* | $ 7,230,898,000 | 1 | $ 25,000 |
| Spokane Firefighters Credit Un 2002 N ATLANTIC SPOKANE, WA 99205 |
* | $ 49,475,000 | 1 | $ 25,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 321,538,000 | 1 | $ 295,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 105,000 |
| Potlatch No 1 Financial Credit U 1025 WARNER AVENUE LEWISTON, ID 83501 |
* | $ 983,930,000 | 1 | $ 245,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 195,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 185,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ -1,000 | 1 | $ 185,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 315,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2018 mortgage applications in Pend Oreille County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pend Oreille County, WA in 2018
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 | 391 | $78,495,000 | $200,000 | $1,075,000 | $108,000 | $4,536,000 |
| Cash-out Refinancing | 138 | $27,220,000 | $197,000 | $455,000 | $72,000 | $291,000 |
| Refinancing | 112 | $21,750,000 | $194,000 | $485,000 | $93,000 | $442,000 |
| Other Purpose | 58 | $4,770,000 | $82,000 | $295,000 | $81,000 | $250,000 |
| Home Improvement | 48 | $4,400,000 | $91,000 | $275,000 | $105,000 | $910,000 |
| Not Applicable | 11 | $1,595,000 | $145,000 | $335,000 | $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 | 582 | $104,870,000 | $180,000 | $1,075,000 | $97,000 | $4,536,000 |
| Not Provided | 92 | $17,500,000 | $190,000 | $485,000 | $94,000 | $343,000 |
| Not applicable | 57 | $11,185,000 | $196,000 | $445,000 | $59,000 | $90,000 |
| Hispanic | 10 | $2,140,000 | $214,000 | $455,000 | $120,000 | $323,000 |
| American Indian or Alaskan Native | 9 | $1,285,000 | $142,000 | $275,000 | $92,000 | $130,000 |
| Asian | 5 | $905,000 | $181,000 | $265,000 | $87,000 | $119,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $20,000 | $20,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $23,000 | $23,000 |
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) | 535 | $93,845,000 | $175,000 | $1,075,000 | $108,000 | $4,536,000 |
| FHA-insured (Federal Housing Administration) | 117 | $21,025,000 | $179,000 | $335,000 | $63,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 89 | $20,685,000 | $232,000 | $485,000 | $68,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,675,000 | $157,000 | $295,000 | $51,000 | $70,000 |
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 | 366 | $66,960,000 | $182,000 | $1,075,000 | $94,000 | $910,000 |
| Application Denied By Financial Institution | 134 | $22,500,000 | $167,000 | $485,000 | $71,000 | $246,000 |
| Application Withdrawn By Applicant | 124 | $21,730,000 | $175,000 | $595,000 | $129,000 | $4,536,000 |
| Loan Purchased By The Institution | 104 | $22,180,000 | $213,000 | $555,000 | $106,000 | $400,000 |
| File Closed For Incompleteness | 17 | $2,895,000 | $170,000 | $385,000 | $75,000 | $355,000 |
| Application Approved But Not Accepted | 13 | $1,965,000 | $151,000 | $415,000 | $106,000 | $372,000 |
| 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 | 624 | $115,730,000 | $185,000 | $1,075,000 | $102,000 | $4,536,000 |
| Collateral | 36 | $5,720,000 | $158,000 | $485,000 | $81,000 | $203,000 |
| Debt-To-Income Ratio | 28 | $3,870,000 | $138,000 | $315,000 | $58,000 | $180,000 |
| Credit History | 23 | $4,545,000 | $197,000 | $375,000 | $86,000 | $246,000 |
| Other | 17 | $3,155,000 | $185,000 | $405,000 | $64,000 | $117,000 |
| Credit Application Incomplete | 14 | $2,760,000 | $197,000 | $305,000 | $49,000 | $97,000 |
| Unverifiable Information | 9 | $1,415,000 | $157,000 | $315,000 | $95,000 | $180,000 |
| Employment History | 6 | $700,000 | $116,000 | $185,000 | $26,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $335,000 | $335,000 | $335,000 | $0 | $0 |
| 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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