Polk County, TN Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 697 mortgage applications in Polk County, TN totaling $81.4 million, up 1% from 2015. The average application was for $116,000, and applicants reported an average income of $54,000. 42% of applications resulted in an originated loan and 27% were denied. The most active lender was United Community Bank, with 46 applications, followed by Vanderbilt Mortgage and Finance, Inc and Builtwell 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 | 697 |
| Total Mortgage Loan Application Amount | $81,355,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $456,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $625,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 9,592,631,000 | 46 | $ 4,031,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 46 | $ 3,401,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 891,251,000 | 45 | $ 2,937,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 34 | $ 4,848,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 24 | $ 3,580,000 |
| Southern Heritage Bank PO BOX 4730 CLEVELAND, TN 37320 |
* | $ 261,738,000 | 23 | $ 2,731,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 23 | $ 2,401,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 18 | $ 2,811,000 |
| Simplybank. RINGGOLD, GA 30736 |
* | $ 287,223,000 | 17 | $ 570,000 |
| Iserve Residential Lending 10920 VIA FRONTERA SUITE 520 SAN DIEGO, CA 92127 |
* | $ 35,257,000 | 16 | $ 2,637,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 16 | $ 1,939,000 |
| Bank of Cleveland 75 BOBBY TAYLOR AVE CLEVELAND, TN 37311 |
* | $ 225,771,000 | 16 | $ 2,201,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 2,759,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ 981,094,000 | 14 | $ 1,421,000 |
| Tennessee Valley Federal C U 535 CHESTNUT STREET CHATTANOOGA, TN 37402 |
* | $ 1,150,019,000 | 12 | $ 1,314,000 |
| Athens Federal Community Bank National Association 106 WASHINGTON AVENUE (PO BOX 869) ATHENS, TN 37371 |
* | $ 323,518,000 | 11 | $ 1,570,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 10 | $ 736,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 10 | $ 1,276,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,469,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 9 | $ 1,325,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,553,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 9 | $ 242,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 389,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 1,349,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 8 | $ 642,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 1,241,000 |
| Platinum Financial Funding, LLC 1913 GUNBARREL ROAD CHATTANOOGA, TN 37421 |
* | $ 1,071,000 | 7 | $ 854,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 6 | $ 639,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 6 | $ 929,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 6 | $ 917,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,014,000 |
| Bowater Employees Credit Union P. O. BOX 359 CALHOUN, TN 37309 |
* | $ 147,064,000 | 6 | $ 598,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 6 | $ 467,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ 300,098,000 | 6 | $ 1,097,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 5 | $ 508,000 |
| Andrew Johnson Bank 124 N MAIN STREET GREENEVILLE, TN 37744 |
* | $ 333,194,000 | 5 | $ 516,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 5 | $ 654,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 5 | $ 524,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 692,000 |
| Peoples Bank of East Tennessee 4511 U.S. HWY 411 MADISONVILLE, TN 37354 |
* | $ 207,946,000 | 4 | $ 260,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 519,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 335,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 772,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 3 | $ 336,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 499,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 351,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 93,000 |
| Mortgage Financial Group Inc 1100 E ALFRED ST TAVARES, FL 32778 |
* | $ 6,578,137,000 | 3 | $ 332,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 373,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 250,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 464,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 112,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 123,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,994,534,000 | 2 | $ 341,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 2 | $ 20,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 253,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 245,000 |
| Community & Southern Bank 3333 RIVERWOOD PKWY STE 350 ATLANTA, GA 30133 |
* | $ 4,168,957,000 | 2 | $ 80,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 198,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 91,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 2 | $ 301,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 222,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 2 | $ 110,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 2 | $ 494,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 2 | $ 388,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 211,000 |
| Pulte Mortgage LLC DENVER, CO 80237 |
* | $ 31,000,000 | 1 | $ 140,000 |
| Citizens Bank & Trust, Inc. P O BOX 249 TRENTON, GA 30752 |
* | $ 99,059,000 | 1 | $ 31,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 1 | $ 89,000 |
| Clev/Brad Co Teachers FCU 420 CENTRAL AVE CLEVELAND, TN 37320 |
* | $ 45,414,000 | 1 | $ 318,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 111,306,727,000 | 1 | $ 451,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 1 | $ 158,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 1,271,085,000 | 1 | $ 15,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 372,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 567,648,000 | 1 | $ 134,000 |
| Community Bank of Pickens County 15 SAMMY MCGHEE BLVD JASPER, GA 30143 |
* | $ 319,621,000 | 1 | $ 189,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 384,114,000 | 1 | $ 104,000 |
| Southeast Bank 192 N SEVEN OAKS DR FARRAGUT, TN 37934 |
* | $ 893,792,000 | 1 | $ 53,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 819,504,000 | 1 | $ 140,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 1 | $ 155,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 98,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 95,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 3,845,946,000 | 1 | $ 304,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 85,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 464,368,000 | 1 | $ 174,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 903,318,000 | 1 | $ 262,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 79,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ 10,000,000 | 1 | $ 103,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 126,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 1 | $ 174,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,039,162,000 | 1 | $ 62,000 |
| Demotte State Bank PO BOX 400 DEMOTTE, IN 46310 |
* | $ 375,431,000 | 1 | $ 112,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 186,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 271,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 108,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 1 | $ 44,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 211,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 59,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 1 | $ 87,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 275,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 122,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 7,515,756,000 | 1 | $ 21,000 |
| Los Angeles Police FCU 16150 SHERMAN WAY VAN NUYS, CA 91406 |
* | $ 830,408,000 | 1 | $ 420,000 |
| Orion Federal Credit Union 7845 HIGHWAY 64 MEMPHIS, TN 38103 |
* | $ 595,215,000 | 1 | $ 101,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 170,000 |
| Mortgage Lenders Investment Tr 1400 INTERNATIONAL PARKWAY SOUTH SUITE 1000 LAKE MARY LAKE MARY, FL 32746 |
* | $ 2,578,000 | 1 | $ 135,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 85,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 152,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 1 | $ 105,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 1 | $ 125,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 1 | $ 150,000 |
| Atlantic Capital Bank, National Association 1110 MARKET STREET SUITE 300 CHATTANOOGA, TN 37402 |
* | $ 2,638,691,000 | 1 | $ 112,000 |
The tables below break down 2016 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 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 | 321 | $37,743,000 | $117,000 | $451,000 | $53,000 | $625,000 |
| Refinancing | 311 | $41,750,000 | $134,000 | $456,000 | $53,000 | $464,000 |
| Home Improvement | 65 | $1,862,000 | $28,000 | $240,000 | $62,000 | $211,000 |
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 | 556 | $62,309,000 | $112,000 | $417,000 | $60,000 | $625,000 |
| Not applicable | 70 | $9,336,000 | $133,000 | $451,000 | $6,000 | $84,000 |
| Not Provided | 52 | $7,048,000 | $135,000 | $456,000 | $58,000 | $205,000 |
| American Indian or Alaskan Native | 8 | $950,000 | $118,000 | $176,000 | $42,000 | $81,000 |
| Hispanic | 7 | $1,005,000 | $143,000 | $278,000 | $41,000 | $62,000 |
| Asian | 2 | $432,000 | $216,000 | $304,000 | $104,000 | $116,000 |
| Black or African American | 2 | $275,000 | $137,000 | $175,000 | $75,000 | $133,000 |
| Native Hawaiin 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) | 441 | $47,779,000 | $108,000 | $456,000 | $64,000 | $625,000 |
| FHA-insured (Federal Housing Administration) | 155 | $18,563,000 | $119,000 | $276,000 | $36,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 62 | $10,541,000 | $170,000 | $323,000 | $45,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $4,472,000 | $114,000 | $226,000 | $29,000 | $65,000 |
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 | 293 | $35,093,000 | $119,000 | $456,000 | $66,000 | $625,000 |
| Application Denied By Financial Institution | 186 | $19,156,000 | $102,000 | $382,000 | $51,000 | $388,000 |
| Loan Purchased By The Institution | 75 | $10,335,000 | $137,000 | $451,000 | $11,000 | $108,000 |
| File Closed For Incompleteness | 64 | $6,493,000 | $101,000 | $309,000 | $49,000 | $165,000 |
| Application Withdrawn By Applicant | 60 | $7,455,000 | $124,000 | $417,000 | $64,000 | $238,000 |
| Application Approved But Not Accepted | 19 | $2,823,000 | $148,000 | $406,000 | $63,000 | $211,000 |
| 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 | 25 | $2,069,000 | $82,000 | $350,000 | $65,000 | $275,000 |
| Debt-To-Income Ratio | 23 | $2,122,000 | $92,000 | $266,000 | $56,000 | $132,000 |
| Collateral | 21 | $1,918,000 | $91,000 | $300,000 | $46,000 | $128,000 |
| Credit Application Incomplete | 14 | $1,561,000 | $111,000 | $276,000 | $55,000 | $205,000 |
| Other | 7 | $933,000 | $133,000 | $250,000 | $126,000 | $388,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $364,000 | $121,000 | $124,000 | $38,000 | $65,000 |
| Unverifiable Information | 2 | $334,000 | $167,000 | $167,000 | $35,000 | $35,000 |
| Employment History | 2 | $238,000 | $119,000 | $140,000 | $52,000 | $68,000 |
| Mortgage Insurance Denied | 1 | $53,000 | $53,000 | $53,000 | $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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