Pend Oreille County, WA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,227 mortgage applications in Pend Oreille County, WA totaling $274.1 million, up 40% from 2019. The average application was for $223,000, and applicants reported an average income of $102,000. 54% of applications resulted in an originated loan and 11% were denied. The most active lender was Spokane Teachers Credit Union, with 141 applications, followed by Willamette Valley Bank and Guild Mortgage Company.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,227
Total Mortgage Loan Application Amount $274,135,000
Average Mortgage Loan Application Amount $223,000
Highest Mortgage Loan Application Amount $1,185,000
Average Applicant Income $102,000
Highest Applicant Income $1,610,000

Mortgage Company List for Lending in Pend Oreille County, WA for 2020

* 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
* $ 3,290,019,000 141 $ 22,715,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 56 $ 12,280,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 56 $ 10,260,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 54 $ 13,480,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 51 $ 12,535,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 42 $ 8,290,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 32 $ 6,980,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 29 $ 7,145,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 26 $ 4,390,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 2,515,180,000 22 $ 3,970,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 12,304,722,000 19 $ 4,625,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 18 $ 3,710,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 18 $ 5,400,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,420,261,000 17 $ 3,115,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 16 $ 4,240,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 16 $ 4,060,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 16 $ 3,370,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 14 $ 3,670,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 7,151,922,000 14 $ 3,820,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 3,684,580,000 14 $ 3,120,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 22,178,675,000 14 $ 2,510,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 3,245,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 13 $ 3,105,000
Wheatland Bank
222 N WALL ST SUITE #100
SPOKANE, WA 99201
* $ 459,947,000 13 $ 3,635,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 12 $ 4,000,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 2,820,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 2,650,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 3,750,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 11 $ 2,335,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 11 $ 2,965,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 3,075,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 2,005,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 11 $ 2,515,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 9 $ 2,215,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 9 $ 1,995,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 9 $ 1,625,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 9 $ 2,975,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 9 $ 2,035,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 8 $ 1,880,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 1,495,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 7 $ 1,795,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 7 $ 2,365,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,121,213,000 7 $ 1,055,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 7 $ 1,475,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 2,275,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 1,030,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,610,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 6 $ 1,250,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 3,338,766,000 6 $ 380,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,360,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,410,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 6,771,304,000 5 $ 1,375,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 1,235,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 5 $ 365,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 5 $ 1,545,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 955,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 4 $ 780,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 4 $ 860,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 4 $ 1,270,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 4 $ 920,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 4 $ 1,200,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 5,070,732,000 4 $ 640,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 960,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 4 $ 190,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 4 $ 960,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 1,260,852,000 3 $ 395,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 535,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 375,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 475,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 635,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 915,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 805,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 3 $ 1,075,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 675,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 3 $ 885,000
Canopy Federal Credit Union
601 W MALLON
SPOKANE, WA 99201
* $ 157,928,000 3 $ 325,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 1,285,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 1,712,897,000 3 $ 785,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 695,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 3 $ 745,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 3 $ 705,000
Global
1500 W 4TH AVE
SPOKANE, WA 99201
* $ 474,266,000 3 $ 725,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 2 $ 320,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 540,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 380,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 2 $ 500,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 390,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 910,000
Spokane Firefighters Credit Un
2002 N ATLANTIC
SPOKANE, WA 99205
* $ 58,078,000 2 $ 380,000
Priority Home Lending, LLC

HOUSTON, TX 77027
* $ -1,000 2 $ 510,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 480,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 580,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 143,390,269,000 2 $ 370,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ -1,000 2 $ 540,000
Penrith Home Loans

MODESTO, CA 95350
* $ -1,000 2 $ 450,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 2 $ 520,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 2 $ 290,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 2 $ 490,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 2 $ 840,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 365,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 235,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 165,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 245,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 1 $ 175,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 155,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 125,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 425,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 465,000
Timberland Bank
624 SIMPSON AVE
HOQUIAM, WA 98550
* $ 1,268,014,000 1 $ 265,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 405,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 265,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 1 $ 265,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 14,071,995,000 1 $ 155,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 175,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 17,136,249,000 1 $ 355,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 1 $ 245,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 275,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 445,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 8,335,689,000 1 $ 75,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 205,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 335,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 75,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 415,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 305,000
Bourns Employees Federal Credit Union
1200 COLUMBIA AVE
RIVERSIDE, CA 92507
* $ -1,000 1 $ 275,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 235,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 215,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 175,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 235,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 305,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 135,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 1 $ 285,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 235,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 116,263,634,000 1 $ 275,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 325,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 69,171,552,000 1 $ 545,000
Athas Capital Group, Inc.
27001 AGOURA ROAD, STE. 200
CALABASAS, CA 91301
* $ -1,000 1 $ 205,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 1 $ 315,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 63,780,722,000 1 $ 515,000
Opportunity Bank of Montana
1400 PROSPECT AVE
HELENA, MT 59601
* $ 1,039,105,000 1 $ 45,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 139,109,000 1 $ 285,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 215,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 195,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 135,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 1 $ 115,000

The tables below break down 2020 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 2020

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
Refinancing 447 $109,515,000 $245,000 $1,185,000 $111,000 $1,020,000
Home Purchase 409 $99,395,000 $243,000 $695,000 $106,000 $1,610,000
Cash-out Refinancing 243 $52,335,000 $215,000 $515,000 $88,000 $294,000
Home Improvement 74 $6,580,000 $88,000 $505,000 $86,000 $850,000
Other Purpose 45 $5,035,000 $111,000 $505,000 $94,000 $295,000
Not Applicable 9 $1,275,000 $141,000 $295,000 $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 937 $204,855,000 $218,000 $1,185,000 $101,000 $1,610,000
Not Provided 164 $39,500,000 $240,000 $695,000 $114,000 $1,020,000
Not applicable 73 $17,325,000 $237,000 $495,000 $86,000 $155,000
Hispanic 19 $4,335,000 $228,000 $605,000 $92,000 $285,000
American Indian or Alaskan Native 17 $3,535,000 $207,000 $455,000 $86,000 $326,000
Asian 7 $2,105,000 $300,000 $475,000 $99,000 $138,000
Black or African American 6 $1,680,000 $280,000 $525,000 $57,000 $76,000
Native Hawaiian or Other Pacific Islander 3 $645,000 $215,000 $365,000 $95,000 $131,000

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) 907 $199,095,000 $219,000 $1,185,000 $111,000 $1,610,000
VA-guaranteed (Veterans Administration) 169 $45,685,000 $270,000 $555,000 $64,000 $207,000
FHA-insured (Federal Housing Administration) 130 $25,510,000 $196,000 $385,000 $57,000 $144,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 21 $3,845,000 $183,000 $315,000 $58,000 $104,000

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 662 $156,020,000 $235,000 $695,000 $104,000 $1,020,000
Application Withdrawn By Applicant 212 $47,720,000 $225,000 $1,185,000 $108,000 $850,000
Application Denied By Financial Institution 138 $27,290,000 $197,000 $575,000 $97,000 $1,610,000
Loan Purchased By The Institution 113 $25,325,000 $224,000 $525,000 $84,000 $284,000
File Closed For Incompleteness 53 $9,615,000 $181,000 $515,000 $85,000 $400,000
Application Approved But Not Accepted 49 $8,165,000 $166,000 $515,000 $89,000 $365,000
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 1,088 $246,580,000 $226,000 $1,185,000 $103,000 $1,020,000
Credit History 33 $5,545,000 $168,000 $575,000 $108,000 $465,000
Debt-To-Income Ratio 33 $6,415,000 $194,000 $515,000 $51,000 $112,000
Collateral 30 $5,730,000 $191,000 $545,000 $158,000 $1,610,000
Other 18 $3,910,000 $217,000 $555,000 $79,000 $167,000
Credit Application Incomplete 17 $4,105,000 $241,000 $405,000 $78,000 $160,000
Unverifiable Information 5 $1,035,000 $207,000 $295,000 $106,000 $163,000
Employment History 2 $530,000 $265,000 $365,000 $54,000 $54,000
Insufficient Cash (Downpayment, Closing Cost) 1 $285,000 $285,000 $285,000 $111,000 $111,000
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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