Pend Oreille County, WA Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 875 mortgage applications in Pend Oreille County, WA totaling $177.5 million, up 15% from 2018. The average application was for $202,000, and applicants reported an average income of $95,000. 51% of applications resulted in an originated loan and 11% were denied. The most active lender was Spokane Teachers Credit Union, with 72 applications, followed by Guild Mortgage Company and Glacier Bank.

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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 875
Total Mortgage Loan Application Amount $177,505,000
Average Mortgage Loan Application Amount $202,000
Highest Mortgage Loan Application Amount $725,000
Average Applicant Income $95,000
Highest Applicant Income $671,000

Mortgage Company List for Lending in Pend Oreille County, WA for 2019

* 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
* $ 2,986,316,000 72 $ 10,460,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 51 $ 8,485,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 12,102,845,000 46 $ 7,690,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 45 $ 10,575,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 43 $ 10,175,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 241,136,000 37 $ 8,715,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 24 $ 4,550,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 20 $ 4,560,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 19 $ 3,795,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 18 $ 2,990,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 4,320,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 2,267,006,000 17 $ 2,695,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 11,584,693,000 15 $ 3,355,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 6,542,924,000 15 $ 2,505,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 15 $ 3,295,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 2,059,210,000 15 $ 3,225,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 3,215,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 12 $ 2,240,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 11 $ 3,275,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 1,865,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 3,855,606,000 10 $ 2,430,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 9 $ 1,715,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 26,903,465,000 9 $ 2,305,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 2,600,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 19,588,565,000 8 $ 770,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 7 $ 1,565,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,935,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,215,000
Wheatland Bank
222 N WALL ST SUITE #100
SPOKANE, WA 99201
* $ 434,275,000 7 $ 1,525,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,190,394,000 6 $ 950,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 1,770,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,330,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,400,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,590,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 680,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 5 $ 1,375,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 5 $ 895,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 5 $ 1,115,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 1,135,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 1,465,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 7,002,549,000 5 $ 945,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 1,205,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 5 $ 1,105,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 1,040,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 600,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 13,239,925,000 4 $ 720,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 1,100,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,056,461,000 4 $ 420,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 510,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 4 $ 420,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 4 $ 820,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 540,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 3 $ 665,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 3 $ 245,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 3 $ 725,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 735,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 475,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 495,000
Global
1500 W 4TH AVE
SPOKANE, WA 99201
* $ 453,798,000 3 $ 825,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 765,000
Inspirus Credit Union
5200 SOUTHCENTER BLVD
SEATTLE, WA 98188
* $ 1,324,556,000 3 $ 245,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 3 $ 665,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 3 $ 695,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 835,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 525,000
Penrith Home Loans

MODESTO, CA 95350
* $ -1,000 3 $ 765,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 2 $ 170,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 2 $ 450,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 2 $ 570,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 2 $ 230,000
Canopy Federal Credit Union
601 W MALLON
SPOKANE, WA 99201
* $ 157,632,000 2 $ 190,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 340,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 2 $ 100,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 620,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 220,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 340,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 520,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 400,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 450,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 2 $ 290,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 2 $ 630,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 660,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 780,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 560,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 2 $ 350,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 380,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 59,366,170,000 2 $ 500,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 2 $ 540,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 510,000
Priority Home Lending, LLC

HOUSTON, TX 77027
* $ -1,000 1 $ 225,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 415,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 75,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 1 $ 225,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 1,621,478,000 1 $ 155,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 395,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 185,000
Peak Credit Union
4501 INTELCO LOOP SE
LACEY, WA 98503
* $ 1,361,271,000 1 $ 15,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 1 $ 445,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 325,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 125,000
Solarity Credit Union
P.O. BOX 2922
YAKIMA, WA 98902
* $ 746,568,000 1 $ 425,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 235,000
Mortgage Master Service Corporation
20425 72ND AVENUE SOUTH, SUITE 210
KENT, WA 98032
* $ -1,000 1 $ 225,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 235,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 12,326,862,000 1 $ 255,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 115,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ 192,527,000 1 $ 275,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 68,745,745,000 1 $ 95,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 175,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 225,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 325,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 4,951,637,000 1 $ 115,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 215,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 265,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 305,000
Community First Bank
6401 W CLEARWATER AVENUE
KENNEWICK, WA 99352
* $ 324,139,000 1 $ 135,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 285,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 315,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 195,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 1 $ 185,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 4,315,063,000 1 $ 215,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 75,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 155,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 2,971,354,000 1 $ 115,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 255,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 215,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 285,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 240,252,000 1 $ 25,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 1 $ 315,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 95,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 1 $ 585,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 115,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 285,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 275,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 175,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 165,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ 28,958,011,000 1 $ 405,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 75,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 415,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 205,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 265,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 225,000

The tables below break down 2019 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 2019

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 430 $99,520,000 $231,000 $725,000 $101,000 $460,000
Cash-out Refinancing 180 $35,170,000 $195,000 $545,000 $78,000 $304,000
Refinancing 147 $32,065,000 $218,000 $545,000 $111,000 $500,000
Home Improvement 67 $5,085,000 $75,000 $405,000 $90,000 $671,000
Other Purpose 42 $4,270,000 $101,000 $455,000 $78,000 $223,000
Not Applicable 9 $1,395,000 $155,000 $275,000 $124,000 $159,000

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 667 $132,125,000 $198,000 $725,000 $94,000 $671,000
Not Provided 102 $22,430,000 $219,000 $545,000 $105,000 $500,000
Not applicable 61 $12,665,000 $207,000 $475,000 $61,000 $126,000
Hispanic 24 $4,990,000 $207,000 $695,000 $84,000 $307,000
Asian 8 $2,250,000 $281,000 $345,000 $126,000 $166,000
Black or African American 5 $1,715,000 $343,000 $505,000 $107,000 $160,000
American Indian or Alaskan Native 4 $850,000 $212,000 $275,000 $63,000 $101,000
Native Hawaiian or Other Pacific Islander 1 $125,000 $125,000 $125,000 $26,000 $26,000

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) 611 $117,895,000 $192,000 $725,000 $103,000 $671,000
FHA-insured (Federal Housing Administration) 136 $26,310,000 $193,000 $335,000 $64,000 $190,000
VA-guaranteed (Veterans Administration) 118 $31,180,000 $264,000 $545,000 $76,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $2,120,000 $212,000 $395,000 $51,000 $86,000

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 448 $95,360,000 $212,000 $725,000 $97,000 $671,000
Application Withdrawn By Applicant 141 $29,485,000 $209,000 $465,000 $100,000 $500,000
Loan Purchased By The Institution 122 $27,370,000 $224,000 $475,000 $94,000 $354,000
Application Denied By Financial Institution 100 $13,580,000 $135,000 $505,000 $79,000 $400,000
File Closed For Incompleteness 33 $6,835,000 $207,000 $695,000 $105,000 $427,000
Application Approved But Not Accepted 29 $4,575,000 $157,000 $465,000 $82,000 $172,000
Preapproval Approved but not Accepted 2 $300,000 $150,000 $155,000 $167,000 $307,000
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 762 $161,130,000 $211,000 $725,000 $97,000 $671,000
Debt-To-Income Ratio 43 $6,945,000 $161,000 $445,000 $62,000 $304,000
Collateral 35 $4,925,000 $140,000 $505,000 $97,000 $400,000
Credit History 18 $2,100,000 $116,000 $375,000 $89,000 $190,000
Other 6 $810,000 $135,000 $305,000 $130,000 $215,000
Credit Application Incomplete 5 $805,000 $161,000 $195,000 $60,000 $120,000
Unverifiable Information 3 $505,000 $168,000 $285,000 $128,000 $166,000
Employment History 2 $130,000 $65,000 $125,000 $25,000 $25,000
Insufficient Cash (Downpayment, Closing Cost) 1 $155,000 $155,000 $155,000 $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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