Polk County, TN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 810 mortgage applications in Polk County, TN totaling $177.6 million, up 10% from 2024. The average application was for $219,000, and applicants reported an average income of $94,000. 46% of applications resulted in an originated loan and 18% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 56 applications, followed by 21st Mortgage and PennyMac Loan Services LLC.
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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 | 810 |
| Total Mortgage Loan Application Amount | $177,610,000 |
| Average Mortgage Loan Application Amount | $219,000 |
| Highest Mortgage Loan Application Amount | $1,475,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $493,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 56 | $ 7,790,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 32 | $ 5,300,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 28 | $ 8,160,000 |
| Tennessee Valley Federal C U 535 CHESTNUT STREET CHATTANOOGA, TN 37402 |
* | $ n/a | 26 | $ 4,230,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ n/a | 25 | $ 3,025,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ n/a | 25 | $ 5,235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 24 | $ 8,580,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 20 | $ 5,830,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 20 | $ 4,980,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 19 | $ 7,005,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ n/a | 19 | $ 3,995,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 17 | $ 1,895,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 15 | $ 4,145,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 14 | $ 2,540,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 13 | $ 3,485,000 |
| Peoples Bank of East Tennessee 4511 U.S. HWY 411 MADISONVILLE, TN 37354 |
* | $ n/a | 13 | $ 1,915,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 4,060,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 11 | $ 1,515,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 10 | $ 1,300,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 10 | $ 260,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 10 | $ 4,480,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 9 | $ 2,345,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 9 | $ 2,295,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 9 | $ 1,455,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 9 | $ 345,000 |
| Bank of Cleveland 75 BOBBY TAYLOR AVE CLEVELAND, TN 37311 |
* | $ n/a | 9 | $ 2,315,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 9 | $ 1,275,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ n/a | 9 | $ 1,505,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 8 | $ 1,650,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 8 | $ 2,020,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 8 | $ 1,960,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 570,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 2,150,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 8 | $ 820,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 8 | $ 1,610,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 1,705,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 7 | $ 1,085,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 785,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 7 | $ 1,805,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ n/a | 6 | $ 920,000 |
| Andrew Johnson Bank 124 N MAIN STREET GREENEVILLE, TN 37744 |
* | $ n/a | 6 | $ 2,630,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 1,240,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 6 | $ 1,460,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 340,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 6 | $ 1,520,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 5 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 705,000 |
| Smartbank 2430 TEASTER LANE PIGEON FORGE, TN 37863 |
* | $ n/a | 5 | $ 1,305,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 5 | $ 1,155,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,280,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ n/a | 4 | $ 1,240,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 4 | $ 840,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 1,200,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 1,300,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ n/a | 4 | $ 1,090,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 3 | $ 645,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 675,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ n/a | 3 | $ 765,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 3 | $ 665,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ n/a | 3 | $ 175,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 3 | $ 1,095,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 3 | $ 1,125,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 3 | $ 365,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 3 | $ 655,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 1,795,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 3 | $ 375,000 |
| Southeast Bank 192 N SEVEN OAKS DR FARRAGUT, TN 37934 |
* | $ n/a | 2 | $ 170,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 2 | $ 770,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ n/a | 2 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 460,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ n/a | 2 | $ 240,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 2 | $ 370,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 580,000 |
| Bank Ozk PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ n/a | 2 | $ 270,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 2 | $ 450,000 |
| Alameda Mortgage Corporation 1850 MT. DIABLO BLVD. SUITE 100 WALNUT CREEK, CA 94596 |
* | $ n/a | 2 | $ 520,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 2 | $ 570,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 240,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 370,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 2 | $ 240,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 250,000 |
| Loanflight Lending, Llc. 201 N FRANKLIN ST STE 3440 TAMPA, FL 33634 |
* | $ n/a | 2 | $ 2,920,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 2 | $ 640,000 |
| Enrichment Federal Credit Unio PO BOX 883 OAK RIDGE, TN 37831 |
* | $ n/a | 1 | $ 265,000 |
| Southeast Financial Credit Union 220 S ROYAL OAKS BLVD FRANKLIN, TN 37064 |
* | $ n/a | 1 | $ 135,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 105,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 335,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 1 | $ 295,000 |
| Loansteady LLC 8401 GREENSBORO DRIVE SUITE 950 MCCLEAN, VA 22102 |
* | $ n/a | 1 | $ 435,000 |
| Shelter Home Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 155,000 |
| Southern Bancorp Bank 601 MAIN STREET ARKADELPHIA, AR 71923 |
* | $ n/a | 1 | $ 205,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 425,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 735,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ n/a | 1 | $ 15,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 235,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 115,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ n/a | 1 | $ 215,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 1 | $ 295,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 85,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 585,000 |
| Tnbank 401 S ILLINOIS AVENUE OAK RIDGE, TN 37830 |
* | $ n/a | 1 | $ 255,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 435,000 |
| Spero Financial Federal Credit Union PO BOX 10708 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 165,000 |
| Tomo Mortgage LLC 909 THIRD AVENUE 9TH FL NEW YORK, NY 10018 |
* | $ n/a | 1 | $ 185,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 185,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ n/a | 1 | $ 105,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 85,000 |
| Loan Simple, Inc. 9635 MAROON CIRCLE SUITE 100 ENGLEWOOD, CO 80112 |
* | $ n/a | 1 | $ 215,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 145,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 125,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 1 | $ 75,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 245,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 85,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 225,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ n/a | 1 | $ 805,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 1 | $ 85,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ n/a | 1 | $ 485,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 215,000 |
| The Central Trust Bank 238 MADISON ST. JEFFERSON CITY, MO 65101 |
* | $ n/a | 1 | $ 1,465,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ n/a | 1 | $ 415,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 255,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 275,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 375,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ n/a | 1 | $ 155,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 225,000 |
| Wilson Bank and Trust 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ n/a | 1 | $ 385,000 |
| The Bank of Tampa 601 BAYSHORE BLVD #100 TAMPA, FL 33603 |
* | $ n/a | 1 | $ 245,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 215,000 |
| Bowater Employees Credit Union P. O. BOX 359 CALHOUN, TN 37309 |
* | $ n/a | 1 | $ 95,000 |
| Chattanooga Federal Employees Credit Union 2011 STEIN DR. CHATTANOOGA, TN 37421 |
* | $ n/a | 1 | $ 115,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 265,000 |
| Ornl Federal Credit Union 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ n/a | 1 | $ 335,000 |
The tables below break down 2025 mortgage applications in Polk County, TN 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, TN in 2025
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 | 368 | $84,500,000 | $229,000 | $1,465,000 | $91,000 | $450,000 |
| Cash-out Refinancing | 164 | $36,810,000 | $224,000 | $805,000 | $85,000 | $325,000 |
| Refinancing | 125 | $40,945,000 | $327,000 | $1,475,000 | $131,000 | $493,000 |
| Other Purpose | 89 | $10,035,000 | $112,000 | $425,000 | $95,000 | $457,000 |
| Home Improvement | 63 | $5,215,000 | $82,000 | $285,000 | $82,000 | $238,000 |
| Not Applicable | 1 | $105,000 | $105,000 | $105,000 | $52,000 | $52,000 |
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 | 613 | $130,505,000 | $212,000 | $1,475,000 | $93,000 | $493,000 |
| Not Provided | 81 | $20,275,000 | $250,000 | $1,465,000 | $100,000 | $480,000 |
| Not applicable | 76 | $18,070,000 | $237,000 | $645,000 | $78,000 | $135,000 |
| Hispanic | 31 | $6,125,000 | $197,000 | $555,000 | $104,000 | $404,000 |
| American Indian or Alaskan Native | 6 | $1,310,000 | $218,000 | $505,000 | $128,000 | $261,000 |
| Black or African American | 3 | $1,325,000 | $441,000 | $765,000 | $144,000 | $224,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 592 | $114,030,000 | $192,000 | $1,475,000 | $97,000 | $493,000 |
| FHA-insured (Federal Housing Administration) | 102 | $24,570,000 | $240,000 | $535,000 | $82,000 | $234,000 |
| VA-guaranteed (Veterans Administration) | 94 | $34,430,000 | $366,000 | $1,045,000 | $94,000 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,580,000 | $208,000 | $305,000 | $81,000 | $107,000 |
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 | 376 | $85,610,000 | $227,000 | $1,465,000 | $103,000 | $480,000 |
| Application Denied By Financial Institution | 143 | $26,745,000 | $187,000 | $1,475,000 | $75,000 | $493,000 |
| Application Withdrawn By Applicant | 93 | $23,105,000 | $248,000 | $1,465,000 | $99,000 | $493,000 |
| File Closed For Incompleteness | 82 | $14,340,000 | $174,000 | $1,475,000 | $84,000 | $490,000 |
| Loan Purchased By The Institution | 78 | $20,470,000 | $262,000 | $715,000 | $88,000 | $182,000 |
| Application Approved But Not Accepted | 37 | $7,135,000 | $192,000 | $645,000 | $103,000 | $404,000 |
| Preapproval Denied by Financial Institution | 1 | $205,000 | $205,000 | $205,000 | $36,000 | $36,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 637 | $143,425,000 | $225,000 | $1,475,000 | $99,000 | $493,000 |
| Debt-To-Income Ratio | 70 | $14,610,000 | $208,000 | $835,000 | $68,000 | $251,000 |
| Credit History | 34 | $5,310,000 | $156,000 | $855,000 | $83,000 | $220,000 |
| Collateral | 20 | $6,170,000 | $308,000 | $1,475,000 | $116,000 | $493,000 |
| Unverifiable Information | 19 | $2,485,000 | $130,000 | $365,000 | $65,000 | $118,000 |
| Credit Application Incomplete | 15 | $1,695,000 | $113,000 | $255,000 | $71,000 | $172,000 |
| Other | 12 | $3,320,000 | $276,000 | $1,045,000 | $97,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $595,000 | $198,000 | $285,000 | $80,000 | $99,000 |
| 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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