Phelps County, MO Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,261 mortgage applications in Phelps County, MO totaling $169.5 million, up 11% from 2015. The average application was for $134,000, and applicants reported an average income of $64,000. 55% of applications resulted in an originated loan and 20% were denied. The most active lender was US Bank, N.A., with 152 applications, followed by Town & Country Bank and Wells Fargo Bank NA.
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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 | 1,261 |
| Total Mortgage Loan Application Amount | $169,456,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $837,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 152 | $ 21,121,000 |
| Town & Country Bank PO BOX 349 SALEM, MO 65560 |
* | $ 505,193,000 | 134 | $ 16,500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 82 | $ 12,788,000 |
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 1,805,078,000 | 50 | $ 6,853,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 47 | $ 6,214,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 40 | $ 4,861,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 37 | $ 6,210,000 |
| The Maries County Bank 218 4TH STREET VIENNA, MO 65582 |
* | $ 445,663,000 | 36 | $ 4,882,000 |
| First Community National Bank PO BOX 508 CUBA, MO 65453 |
* | $ 206,583,000 | 34 | $ 4,764,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 33 | $ 4,438,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 33 | $ 4,852,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 29 | $ 2,715,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 26 | $ 1,931,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 25 | $ 2,627,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 24 | $ 2,756,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 21 | $ 3,568,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 17 | $ 1,993,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 16 | $ 3,043,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 2,080,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 16 | $ 1,855,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 13 | $ 1,346,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 13 | $ 2,207,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 12 | $ 2,030,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 11 | $ 1,745,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 10 | $ 936,000 |
| Community Banc Mortgage Corp 301 N MAIN CHATHAM, IL 62629 |
* | $ 1,003,316,000 | 10 | $ 998,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 9 | $ 573,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 8 | $ 1,367,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 8 | $ 795,000 |
| Landmark Bank N.A. PO BOX 1867 COLUMBIA, MO 65201 |
* | $ 2,425,731,000 | 7 | $ 1,041,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 1,603,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 6 | $ 1,028,000 |
| Peoples Bank 408 W WASHINGTON ST CUBA, MO 65453 |
* | $ 197,131,000 | 6 | $ 960,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 6 | $ 521,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 6 | $ 640,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 5 | $ 528,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,483,687,000 | 5 | $ 654,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 5 | $ 349,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ 402,807,000 | 5 | $ 684,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 331,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 5 | $ 639,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 180,082,000 | 5 | $ 783,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 1,289,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 479,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 422,000 |
| Cornerstone Mortgage Providers, L.P. 1177 WEST LOOP SOUTH, STE. 200 HOUSTON, TX 77027 |
* | $ 10,000,000 | 4 | $ 505,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 4 | $ 496,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 4 | $ 69,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 4 | $ 336,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 4 | $ 438,000 |
| Midwest Mortgage Associates Corp 5333 NORTH UNION BLVD - SUITE 100 COLORADO SPRINGS, CO 80918 |
* | $ 4,689,000 | 4 | $ 387,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 4 | $ 142,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 562,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 360,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ 12,988,000 | 3 | $ 377,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 3 | $ 209,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 532,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 3 | $ 533,000 |
| US Wide Financial LLC VIBHU GROVER ST LOUIS, MO 63146 |
* | $ 1,000,000,000 | 3 | $ 675,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 3 | $ 364,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 2,121,922,000 | 3 | $ 340,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 292,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 162,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 198,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 226,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 227,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 390,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 446,000 |
| Missouri Credit Union 111 EAST BROADWAY COLUMBIA, MO 65203 |
* | $ 291,351,000 | 2 | $ 346,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 210,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,097,252,000 | 2 | $ 285,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 31,272,894,000 | 2 | $ 433,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 2 | $ 431,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 2 | $ 197,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 379,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 2 | $ 214,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 2 | $ 272,000 |
| 1st Advantage Bank 240 SALT LICK ROAD ST PETERS, MO 63376 |
* | $ 84,397,000 | 2 | $ 2,000,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 178,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 355,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 211,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 106,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 206,674,000 | 1 | $ 110,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 121,000 |
| Bank Star 1999 W OSAGE PACIFIC, MO 63069 |
* | $ 66,331,000 | 1 | $ 4,000 |
| Peoples Community Bank PO BOX 350 GREENVILLE, MO 63944 |
* | $ 351,820,000 | 1 | $ 79,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 46,472,436,000 | 1 | $ 264,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,958,614,000 | 1 | $ 107,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 9,870,373,000 | 1 | $ 58,000 |
| Anstaff Bank PO BOX 1900 GREEN FOREST, AR 72638 |
* | $ 425,346,000 | 1 | $ 135,000 |
| Farmers and Merchants Bank of St. Clair 530 S. MAIN SAINT CLAIR, MO 63077 |
* | $ 177,738,000 | 1 | $ 236,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 3,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 195,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 7,273,809,000 | 1 | $ 194,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 212,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 961,290,000 | 1 | $ 123,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 2,184,204,000 | 1 | $ 94,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ 26,264,000 | 1 | $ 61,000 |
| Oklahoma Central Credit Union 4956 SOUTH PEORIA AVENUE 4956 S. PEORIA AVE, OK 74105 |
* | $ 511,786,000 | 1 | $ 63,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,552,519,000 | 1 | $ 105,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 110,000 |
| Ozarks Federal Savings and Loan 2 E. COLUMBIA ST. FARMINGTON, MO 63640 |
* | $ 212,332,000 | 1 | $ 40,000 |
| People's Bank of Seneca PO BOX 500 SENECA, MO 64865 |
* | $ 149,252,000 | 1 | $ 46,000 |
| First Security Bank, Inc. PO BOX 788 OWENSBORO, KY 42302 |
* | $ 592,720,000 | 1 | $ 246,000 |
| Mid America Bank 1511 FRIENDSHIP ROAD JEFFERSON CITY, MO 65101 |
* | $ 356,786,000 | 1 | $ 12,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 25,000 |
| O'bannon Banking Company PO BOX 890 BUFFALO, MO 65622 |
* | $ 169,232,000 | 1 | $ 16,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 800,473,000 | 1 | $ 200,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ 214,531,000 | 1 | $ 61,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Providence Bank 3855 FORUM BOULEVARD COLUMBIA, MO 65203 |
* | $ 909,892,000 | 1 | $ 220,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 2,883,399,000 | 1 | $ 156,000 |
| Jefferson Bank of Missouri 700 SOUTHWEST BLVD. JEFFERSON CITY, MO 65101 |
* | $ 517,715,000 | 1 | $ 91,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 123,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 116,000 |
| F&B Acquisition Group LLC 12412 POWERSCOURT DRIVE STE. 20 ST. LOUIS, MO 63131 |
* | $ 11,709,000 | 1 | $ 417,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ 1,341,000 | 1 | $ 160,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 94,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 1 | $ 175,000 |
| Mazuma Credit Union 7260 W 135TH STREET OVERLAND PARK, KS 66223 |
* | $ 557,415,000 | 1 | $ 74,000 |
| Multipli Federal Credit Union 3124 W. EDGEWOOD DR. JEFFERSON CITY, MO 65109 |
* | $ 115,172,000 | 1 | $ 98,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,565,602,000 | 1 | $ 117,000 |
| Bank of O'fallon 901 S. LINCOLN AVE O'FALLON, IL 62269 |
* | $ 296,081,000 | 1 | $ 68,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,397,488,000 | 1 | $ 260,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 6,656,748,000 | 1 | $ 79,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 1,589,071,000 | 1 | $ 220,000 |
| Citizens Bank P.O. BOX 197 NEW HAVEN, MO 63068 |
* | $ 171,963,000 | 1 | $ 133,000 |
The tables below break down 2016 mortgage applications in Phelps County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Phelps County, MO in 2016
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 | 616 | $82,272,000 | $133,000 | $701,000 | $69,000 | $837,000 |
| Refinancing | 578 | $82,474,000 | $142,000 | $1,200,000 | $57,000 | $489,000 |
| Home Improvement | 67 | $4,710,000 | $70,000 | $257,000 | $71,000 | $501,000 |
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 | 946 | $122,495,000 | $129,000 | $701,000 | $67,000 | $837,000 |
| Not Provided | 116 | $15,977,000 | $137,000 | $580,000 | $67,000 | $367,000 |
| Not applicable | 102 | $16,676,000 | $163,000 | $1,200,000 | $7,000 | $169,000 |
| Black or African American | 31 | $5,485,000 | $176,000 | $399,000 | $50,000 | $180,000 |
| Asian | 28 | $4,388,000 | $156,000 | $264,000 | $111,000 | $418,000 |
| Hispanic | 25 | $3,253,000 | $130,000 | $295,000 | $91,000 | $400,000 |
| American Indian or Alaskan Native | 11 | $1,106,000 | $100,000 | $276,000 | $104,000 | $268,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $76,000 | $38,000 | $41,000 | $55,000 | $55,000 |
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) | 745 | $96,794,000 | $129,000 | $1,200,000 | $78,000 | $837,000 |
| VA-guaranteed (Veterans Administration) | 255 | $43,702,000 | $171,000 | $413,000 | $51,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 155 | $18,182,000 | $117,000 | $245,000 | $39,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 106 | $10,778,000 | $101,000 | $206,000 | $29,000 | $71,000 |
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 | 688 | $95,544,000 | $138,000 | $900,000 | $71,000 | $837,000 |
| Application Denied By Financial Institution | 258 | $31,638,000 | $122,000 | $1,200,000 | $60,000 | $554,000 |
| Loan Purchased By The Institution | 117 | $16,309,000 | $139,000 | $417,000 | $35,000 | $276,000 |
| Application Withdrawn By Applicant | 92 | $13,534,000 | $147,000 | $700,000 | $70,000 | $310,000 |
| File Closed For Incompleteness | 56 | $6,782,000 | $121,000 | $311,000 | $44,000 | $153,000 |
| Application Approved But Not Accepted | 49 | $5,471,000 | $111,000 | $407,000 | $64,000 | $267,000 |
| Preapproval Denied by Financial Institution | 1 | $178,000 | $178,000 | $178,000 | $93,000 | $93,000 |
| Preapproval Approved but not Accepted | 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 | 36 | $3,419,000 | $94,000 | $313,000 | $59,000 | $268,000 |
| Collateral | 25 | $3,143,000 | $125,000 | $413,000 | $68,000 | $300,000 |
| Debt-To-Income Ratio | 23 | $2,514,000 | $109,000 | $355,000 | $42,000 | $118,000 |
| Credit Application Incomplete | 19 | $2,491,000 | $131,000 | $360,000 | $42,000 | $150,000 |
| Other | 14 | $1,505,000 | $107,000 | $219,000 | $62,000 | $113,000 |
| Unverifiable Information | 5 | $485,000 | $97,000 | $170,000 | $55,000 | $102,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $770,000 | $192,000 | $595,000 | $135,000 | $502,000 |
| Employment History | 1 | $68,000 | $68,000 | $68,000 | $22,000 | $22,000 |
| 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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