Polk County, MO Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,113 mortgage applications in Polk County, MO totaling $122.4 million, down 23% from 2013. The average application was for $109,000, and applicants reported an average income of $65,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was Bank of Bolivar, with 97 applications, followed by Tib the Independent Bankersban 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 | 1,113 |
| Total Mortgage Loan Application Amount | $122,420,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $3,400,000 |
* 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 |
|---|---|---|---|---|
| Bank of Bolivar PO BOX 560, 495 S. SPRINGFIELD BOLIVAR, MO 65613 |
* | $ 202,830,000 | 97 | $ 8,102,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,184,373,000 | 72 | $ 8,776,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 69 | $ 7,191,000 |
| Mid-Missouri Bank 3546 EAST SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 523,258,000 | 58 | $ 3,677,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ 31,000,000 | 47 | $ 5,232,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 46 | $ 3,867,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 43 | $ 4,726,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 42 | $ 5,355,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 32 | $ 2,344,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 31 | $ 3,196,000 |
| Farmers State Bank, S/B PO BOX 98 SCHELL CITY, MO 64783 |
* | $ 73,979,000 | 27 | $ 4,174,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 22 | $ 3,015,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 20 | $ 2,546,000 |
| Omb Bank 3570 SOUTH NATIONAL AVENUE SPRINGFIELD, MO 65807 |
* | $ 167,179,000 | 19 | $ 3,725,000 |
| Central Bank of the Ozarks 1800 S. GLENSTONE SPRINGFIELD, MO 65804 |
* | $ 1,026,257,000 | 18 | $ 2,138,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 18 | $ 1,814,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,556,442,000 | 17 | $ 1,652,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 1,591,000 |
| Blucurrent Credit Union 1770 W SUNSET SPRINGFIELD, MO 65810 |
* | $ 146,678,000 | 14 | $ 2,595,000 |
| O'bannon Banking Company PO BOX 890 BUFFALO, MO 65622 |
* | $ 159,775,000 | 14 | $ 1,158,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 806,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 12 | $ 1,916,000 |
| Assemblies of God Credit Union 1535 N CAMPBELL AVE SPRINGFIELD, MO 65803 |
* | $ 131,239,000 | 12 | $ 991,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,333,000 |
| Equitable Mortgage 909 E REPUBLIC ROAD B200 SPRINGFIELD, MO 65807 |
* | $ 1,300,000 | 11 | $ 1,470,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 11 | $ 1,681,000 |
| Liberty Bank 4625 S. NATIONAL SPRINGFIELD, MO 65810 |
* | $ 1,071,933,000 | 11 | $ 1,314,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 9 | $ 1,060,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 9 | $ 888,000 |
| Bank of Urbana P.O. BOX 248 URBANA, MO 65767 |
* | $ 166,810,000 | 9 | $ 442,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 577,000 |
| Guaranty Bank 1341 W BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 619,077,000 | 8 | $ 762,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 8 | $ 1,128,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 7 | $ 720,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 260,398,000 | 7 | $ 839,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 259,906,000 | 7 | $ 1,173,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ 342,675,000 | 7 | $ 257,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 6 | $ 340,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,293,139,000 | 6 | $ 619,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 5 | $ 712,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 5 | $ 861,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,129,075,000 | 5 | $ 361,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 5 | $ 520,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 669,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 845,160,000 | 4 | $ 389,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 652,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 4 | $ 317,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 313,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 4 | $ 462,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 456,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 4 | $ 444,000 |
| Freedom Bank of Southern Missouri P O BOX 309 CASSVILLE, MO 65625 |
* | $ 191,895,000 | 4 | $ 1,800,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 4 | $ 393,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 3 | $ 475,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 422,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 251,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 363,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 297,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,081,085,000 | 3 | $ 222,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 3 | $ 634,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 3 | $ 516,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 190,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 3 | $ 26,000 |
| State Bank of Southwest Missouri P O BOX 10828 SPRINGFIELD, MO 65808 |
* | $ 99,368,000 | 3 | $ 615,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 90,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 2 | $ 273,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,022,896,000 | 2 | $ 455,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 229,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 162,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 277,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 2 | $ 194,000 |
| Southern Missouri Bank of Marshfield PO BOX M 1292 BANNING ST MARSHFIELD, MO 65706 |
* | $ 93,826,000 | 2 | $ 153,000 |
| Metropolitan National Bank 600 S GLENSTONE ABE SPRINGFIELD, MO 65802 |
* | $ 440,315,000 | 2 | $ 228,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 838,887,000 | 2 | $ 300,000 |
| Springfield First Community Bank 2006 S GLENSTONE AVENUE SPRINGFIELD, MO 65804 |
* | $ 329,301,000 | 2 | $ 275,000 |
| Heritage State Bank 1625 HEDGES PLAZA NEVADA, MO 64772 |
* | $ 128,047,000 | 1 | $ 75,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 139,828,000 | 1 | $ 170,000 |
| Heartland Bank 212 SOUTH CENTRAL ST. LOUIS, MO 63105 |
* | $ 811,472,000 | 1 | $ 132,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 1 | $ 151,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 58,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 246,270,000 | 1 | $ 165,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 139,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 195,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 36,000 |
| The Seymour Bank 119 N MAIN SEYMOUR, MO 65746 |
* | $ 136,939,000 | 1 | $ 30,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 131,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 108,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 29,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 16,642,506,000 | 1 | $ 34,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 72,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 52,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 89,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 1 | $ 80,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 108,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Peoples Bank of the Ozarks PO BOX 728 NIXA, MO 65714 |
* | $ 272,726,000 | 1 | $ 50,000 |
| Ozark Bank PO BOX 220 OZARK, MO 65721 |
* | $ 209,303,000 | 1 | $ 95,000 |
| Bank of Ash Grove 218 NORTH WEBSTER AVENUE ASH GROVE, MO 65604 |
* | $ 70,919,000 | 1 | $ 92,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 647,760,000 | 1 | $ 13,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 1 | $ 88,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Wood & Huston Bank 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ 557,434,000 | 1 | $ 111,000 |
| Citizens Bank of Rogersville 1001 W. CENTER ST. ROGERSVILLE, MO 65742 |
* | $ 65,859,000 | 1 | $ 110,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 75,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 110,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,664,450,000 | 1 | $ 84,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 668,544,000 | 1 | $ 210,000 |
| Community First Bank P.O. BOX 407 BUTLER, MO 64730 |
* | $ 157,386,000 | 1 | $ 30,000 |
| Telcomm 2155 E SUNSHINE SPRINGFIELD, MO 65804 |
* | $ 123,024,000 | 1 | $ 115,000 |
| Community Financial Credit Un 815 W TAMPA SPRINGFIELD, MO 65802 |
* | $ 57,405,000 | 1 | $ 45,000 |
| Multipli Credit Union 818 N BENTON AVE SPRINGFIELD, MO 65802 |
* | $ 90,864,000 | 1 | $ 24,000 |
| Conservation Employees Credit Union P.O. BOX 180 JEFFERSON CITY, MO 65102 |
* | $ 94,638,000 | 1 | $ 464,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 22,000 |
| Foundation Credit Union 1726 W. ELFINDALE ST. SPRINGFIELD, MO 65807 |
* | $ 64,885,000 | 1 | $ 88,000 |
The tables below break down 2014 mortgage applications in Polk 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 Polk County, MO in 2014
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 | 548 | $60,192,000 | $109,000 | $504,000 | $56,000 | $485,000 |
| Refinancing | 495 | $58,201,000 | $117,000 | $705,000 | $75,000 | $3,400,000 |
| Home Improvement | 70 | $4,027,000 | $57,000 | $453,000 | $65,000 | $261,000 |
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 | 923 | $101,923,000 | $110,000 | $705,000 | $72,000 | $3,400,000 |
| Not applicable | 105 | $11,470,000 | $109,000 | $424,000 | $0 | $36,000 |
| Not Provided | 59 | $5,953,000 | $100,000 | $299,000 | $61,000 | $336,000 |
| Hispanic | 14 | $1,627,000 | $116,000 | $269,000 | $72,000 | $307,000 |
| Asian | 6 | $763,000 | $127,000 | $173,000 | $27,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $569,000 | $189,000 | $293,000 | $158,000 | $209,000 |
| Black or African American | 2 | $75,000 | $37,000 | $50,000 | $45,000 | $60,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $138,000 | $138,000 |
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) | 798 | $83,586,000 | $104,000 | $705,000 | $73,000 | $3,400,000 |
| FHA-insured (Federal Housing Administration) | 118 | $13,413,000 | $113,000 | $271,000 | $42,000 | $286,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 117 | $14,727,000 | $125,000 | $550,000 | $46,000 | $261,000 |
| VA-guaranteed (Veterans Administration) | 80 | $10,694,000 | $133,000 | $274,000 | $41,000 | $159,000 |
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 | 627 | $73,166,000 | $116,000 | $705,000 | $81,000 | $3,400,000 |
| Application Denied By Financial Institution | 227 | $20,488,000 | $90,000 | $598,000 | $51,000 | $321,000 |
| Loan Purchased By The Institution | 114 | $13,168,000 | $115,000 | $305,000 | $17,000 | $114,000 |
| Application Withdrawn By Applicant | 81 | $9,335,000 | $115,000 | $415,000 | $66,000 | $485,000 |
| Application Approved But Not Accepted | 35 | $2,976,000 | $85,000 | $207,000 | $48,000 | $117,000 |
| File Closed For Incompleteness | 29 | $3,287,000 | $113,000 | $320,000 | $43,000 | $100,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 33 | $2,618,000 | $79,000 | $238,000 | $53,000 | $142,000 |
| Collateral | 30 | $2,773,000 | $92,000 | $299,000 | $57,000 | $183,000 |
| Debt-To-Income Ratio | 19 | $2,242,000 | $118,000 | $225,000 | $38,000 | $92,000 |
| Other | 15 | $1,975,000 | $131,000 | $598,000 | $50,000 | $108,000 |
| Credit Application Incomplete | 11 | $1,401,000 | $127,000 | $233,000 | $76,000 | $286,000 |
| Unverifiable Information | 4 | $406,000 | $101,000 | $140,000 | $61,000 | $114,000 |
| Employment History | 2 | $120,000 | $60,000 | $84,000 | $25,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $179,000 | $89,000 | $128,000 | $44,000 | $59,000 |
| 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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