Pend Oreille County, WA Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,367 mortgage applications in Pend Oreille County, WA totaling $334.9 million, up 11% from 2020. The average application was for $244,000, and applicants reported an average income of $102,000. 56% of applications resulted in an originated loan and 11% were denied. The most active lender was Spokane Teachers Credit Union, with 151 applications, followed by American Pacific Mortgage Corporation 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 1,367
Total Mortgage Loan Application Amount $334,855,000
Average Mortgage Loan Application Amount $244,000
Highest Mortgage Loan Application Amount $1,785,000
Average Applicant Income $102,000
Highest Applicant Income $2,328,000

Mortgage Company List for Lending in Pend Oreille County, WA for 2021

* 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
* $ 3,290,019,000 151 $ 28,735,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 58 $ 15,970,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 55 $ 12,325,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 54 $ 13,180,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 42 $ 9,520,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 41 $ 9,095,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 35 $ 8,715,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 34 $ 6,100,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 2,515,180,000 32 $ 7,630,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 28 $ 7,620,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 28 $ 6,720,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 16,420,261,000 27 $ 5,385,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 12,304,722,000 24 $ 6,490,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 7,151,922,000 24 $ 5,420,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 4,675,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 21 $ 7,275,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 20 $ 3,740,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 19 $ 6,235,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 22,178,675,000 17 $ 3,925,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 3,684,580,000 17 $ 4,495,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 16 $ 4,140,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 16 $ 5,250,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 15 $ 4,075,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 15 $ 4,705,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 4,220,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 14 $ 4,190,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 4,172,729,000 14 $ 4,430,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 13 $ 3,565,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,121,213,000 13 $ 2,435,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 13 $ 3,565,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 12 $ 4,830,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 3,180,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 11 $ 3,015,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,950,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 10 $ 2,910,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 10 $ 2,810,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 10 $ 2,090,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 10 $ 3,420,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 9 $ 2,855,000
Wheatland Bank
222 N WALL ST SUITE #100
SPOKANE, WA 99201
* $ 459,947,000 9 $ 2,445,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 9 $ 2,135,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 8 $ 2,100,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 8 $ 1,180,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 1,260,852,000 8 $ 1,990,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 1,685,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 7 $ 1,055,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 7 $ 1,645,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 1,100,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 6 $ 2,050,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 1,110,000
Spokane Firefighters Credit Un
2002 N ATLANTIC
SPOKANE, WA 99205
* $ 58,078,000 6 $ 820,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 685,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 1,465,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 5 $ 675,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 5 $ 805,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 5 $ 1,335,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 5 $ 345,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 815,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 5 $ 895,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 5 $ 1,335,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 970,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 4 $ 1,110,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 800,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 6,771,304,000 4 $ 1,000,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 1,210,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 4 $ 740,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 4 $ 1,340,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 1,180,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 1,250,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 1,410,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 4 $ 1,270,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 485,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 1,712,897,000 3 $ 735,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 795,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 3 $ 585,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 3 $ 925,000
Summit Mortgage Corporation
4700 SW MACADAM AVE
PORTLAND, OR 97239
* $ -1,000 3 $ 795,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 755,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 3 $ 625,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 635,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 3 $ 1,645,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 3 $ 725,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 69,171,552,000 3 $ 905,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 505,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 3,338,766,000 3 $ 465,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 805,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 510,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 2 $ 640,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 610,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 2 $ 660,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 570,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 230,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 300,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 430,000
Penrith Home Loans

MODESTO, CA 95350
* $ -1,000 2 $ 550,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 2 $ 590,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 2 $ 480,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 2 $ 270,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 5,070,732,000 2 $ 390,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 550,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 2 $ 660,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 2 $ 560,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 810,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 2 $ 700,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 2 $ 600,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 2 $ 610,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 2 $ 350,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 255,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 185,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 325,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 205,000
Tristar Finance, Inc.
5209 LAKE WASHINGTON BLVD NE #220
KIRKLAND, WA 98033
* $ -1,000 1 $ 215,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 7,658,628,000 1 $ 235,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 315,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 225,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 145,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 1 $ 105,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 1 $ 125,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 105,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 879,238,000 1 $ 355,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 275,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 335,000
Priority Home Lending, LLC

HOUSTON, TX 77027
* $ -1,000 1 $ 315,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 265,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 775,000
One American Bank
515 S MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ -1,000 1 $ 405,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 675,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 215,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 165,000
Global
1500 W 4TH AVE
SPOKANE, WA 99201
* $ 474,266,000 1 $ 515,000
All Reverse Mortgage, Inc
2019 W CHAPMAN AVENUE
ORANGE, CA 92868
* $ -1,000 1 $ 905,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 355,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 85,000
Sammamish Mortgage Company
3015 112TH AVE NE STE 214
BELLEVUE, WA 98004
* $ -1,000 1 $ 525,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 275,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 14,582,546,000 1 $ 195,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 365,000
Qualstar Credit Union
PO BOX 3050
BOTHELL, WA 98041
* $ 630,256,000 1 $ 425,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 255,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 115,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 335,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 215,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 825,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 9,348,808,000 1 $ 285,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 375,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 195,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 295,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 435,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ -1,000 1 $ 235,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 205,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 265,000
Whatcom Educational Credit Uni
PO BOX 9750
BELLINGHAM, WA 98227
* $ 1,712,782,000 1 $ 65,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 545,000
Canopy Federal Credit Union
601 W MALLON
SPOKANE, WA 99201
* $ 157,928,000 1 $ 305,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ -1,000 1 $ 75,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ 33,588,619,000 1 $ 485,000

The tables below break down 2021 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 2021

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 439 $126,345,000 $287,000 $1,245,000 $110,000 $867,000
Cash-out Refinancing 387 $103,725,000 $268,000 $1,785,000 $96,000 $617,000
Refinancing 380 $84,030,000 $221,000 $1,155,000 $92,000 $821,000
Home Improvement 85 $8,735,000 $102,000 $375,000 $113,000 $2,328,000
Other Purpose 71 $11,495,000 $161,000 $555,000 $115,000 $705,000
Not Applicable 5 $525,000 $105,000 $185,000 $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 1,021 $245,735,000 $240,000 $1,785,000 $100,000 $2,328,000
Not Provided 210 $54,470,000 $259,000 $855,000 $113,000 $867,000
Not applicable 82 $19,730,000 $240,000 $775,000 $0 $0
American Indian or Alaskan Native 19 $3,925,000 $206,000 $455,000 $79,000 $160,000
Hispanic 19 $6,565,000 $345,000 $905,000 $99,000 $286,000
Asian 7 $1,905,000 $272,000 $465,000 $119,000 $207,000
Native Hawaiian or Other Pacific Islander 4 $1,200,000 $300,000 $455,000 $85,000 $129,000
Black or African American 3 $1,015,000 $338,000 $375,000 $183,000 $247,000

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) 1,061 $257,715,000 $242,000 $1,785,000 $108,000 $2,328,000
VA-guaranteed (Veterans Administration) 161 $45,575,000 $283,000 $855,000 $81,000 $312,000
FHA-insured (Federal Housing Administration) 135 $28,895,000 $214,000 $365,000 $60,000 $154,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 10 $2,670,000 $267,000 $385,000 $64,000 $92,000

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 767 $192,885,000 $251,000 $1,785,000 $102,000 $867,000
Application Withdrawn By Applicant 240 $59,120,000 $246,000 $1,155,000 $107,000 $705,000
Application Denied By Financial Institution 145 $29,615,000 $204,000 $545,000 $93,000 $2,328,000
Loan Purchased By The Institution 109 $26,965,000 $247,000 $775,000 $101,000 $354,000
File Closed For Incompleteness 72 $16,980,000 $235,000 $815,000 $108,000 $867,000
Application Approved But Not Accepted 32 $8,410,000 $262,000 $785,000 $81,000 $424,000
Preapproval Approved but not Accepted 2 $880,000 $440,000 $545,000 $137,000 $163,000
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 1,222 $305,240,000 $249,000 $1,785,000 $103,000 $867,000
Credit History 38 $7,570,000 $199,000 $515,000 $75,000 $213,000
Debt-To-Income Ratio 33 $7,125,000 $215,000 $475,000 $68,000 $373,000
Collateral 28 $4,770,000 $170,000 $515,000 $94,000 $428,000
Credit Application Incomplete 21 $4,945,000 $235,000 $545,000 $85,000 $402,000
Other 21 $4,545,000 $216,000 $535,000 $184,000 $2,328,000
Unverifiable Information 3 $545,000 $181,000 $285,000 $45,000 $81,000
Insufficient Cash (Downpayment, Closing Cost) 1 $115,000 $115,000 $115,000 $21,000 $21,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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