Pontotoc County, MS Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 1,799 mortgage applications in Pontotoc County, MS totaling $137.3 million. The average application was for $76,000, and applicants reported an average income of $48,000. 50% of applications resulted in an originated loan and 22% were denied. The most active lender was Renasant Bank, with 378 applications, followed by Bancorpsouth Bank and Wells Fargo Home Mortgage.
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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 | 1,799 |
| Total Mortgage Loan Application Amount | $137,338,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $692,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $1,276,000 |
* 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 |
|---|---|---|---|---|
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 1,344,437,000 | 378 | $ 22,124,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,190,173,000 | 175 | $ 12,829,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 147 | $ 14,138,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 132 | $ 12,476,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 96 | $ 9,329,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 76 | $ 7,520,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 6,983,369,000 | 50 | $ 5,140,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 46 | $ 1,791,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 43 | $ 3,429,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 39 | $ 3,736,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 36 | $ 2,646,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,316,308,000 | 35 | $ 3,521,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 32 | $ 2,378,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 30 | $ 1,178,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 40,569,048,000 | 30 | $ 2,112,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 24 | $ 605,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 23 | $ 1,535,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,033,720,000 | 23 | $ 1,384,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 22 | $ 1,699,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 21 | $ 1,612,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 18 | $ 727,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 16 | $ 1,373,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 15 | $ 687,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 14 | $ 929,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 13 | $ 1,090,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 13 | $ 1,454,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 13 | $ 371,000 |
| Crossroads Mortgage, Inc. 850 RIDGELAKE BLVD SUITE 250 MEMPHIS, TN 38120 |
* | $ 10,000,000 | 12 | $ 1,083,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 12 | $ 1,170,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 18,988,174,000 | 12 | $ 636,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 11 | $ 881,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 9 | $ 617,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 7 | $ 570,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 7 | $ 520,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 598,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 5 | $ 549,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 5 | $ 349,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 4 | $ 176,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 4 | $ 246,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 349,000 |
| Fleet National Bank 525 N TRYON ST NC1-023-06-04 CHARLOTTE, NC 28255 |
* | $ 179,362,000,000 | 4 | $ 356,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 4 | $ 210,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 4 | $ 127,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 4 | $ 323,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 175,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 3 | $ 316,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 3 | $ 411,000 |
| Citimortgage, Inc 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 281,018,000,000 | 3 | $ 339,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 23,205,467,000 | 3 | $ 108,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 122,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 223,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 3 | $ 235,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 3 | $ 396,000 |
| Keybank USA, N.A. 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 8,943,095,000 | 3 | $ 205,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 3 | $ 185,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 3 | $ 205,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 161,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 3 | $ 307,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 219,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 3 | $ 334,000 |
| Southern Security Federal Credit Union 765 W POPLAR AVE COLLIERVILLE, TN 38017 |
* | $ 75,269,000 | 3 | $ 299,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 3 | $ 438,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 3 | $ 260,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 12,348,756,000 | 3 | $ 235,000 |
| United Financial Mortgage Corp 815 COMMERCE DR., STE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 2 | $ 218,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 141,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 130,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 2 | $ 190,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 2 | $ 205,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 2 | $ 90,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 2 | $ 92,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 2 | $ 105,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 2 | $ 247,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 197,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Amerisave Mortgage 3525 PIEDMONT RD BLDG 6 SUITE 7 ATLANTA, GA 30305 |
* | $ 10,000,000 | 1 | $ 48,000 |
| America's Credit Union 2154 FOREST LN. GARLAND, TX 75042 |
* | $ 83,541,000 | 1 | $ 133,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Alliance Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 1 | $ 80,000 |
| Britton & Koontz Bank, N.A. 500 MAIN STREET NATCHEZ, MS 39120 |
* | $ 308,117,000 | 1 | $ 98,000 |
| Central State Bank PO BOX 180 CALERA, AL 35040 |
* | $ 116,861,000 | 1 | $ 9,000 |
| Champion Enterprise 10801 MASTIN DRIVE OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 378,505,000 | 1 | $ 160,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 84,000 |
| Diversified Capital Cor of Tn 3350 PLAYERS CLUB PKWY #110 MEMPHIS, TN 38125 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 74,000 |
| Liberty Mortgage Corporation 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 1 | $ 80,000 |
| Matrix Financial Services Corp 2133 WEST PEORIA AVE PHOENIX, AZ 85029 |
* | $ 1,138,000,000 | 1 | $ 60,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 1 | $ 53,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 29,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 44,981,000 | 1 | $ 81,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 4,164,526,000 | 1 | $ 73,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 105,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 156,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 728,315,000 | 1 | $ 84,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 1 | $ 110,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 2,163,315,000 | 1 | $ 101,000 |
| Realty Mortgage 215 KATHERINE DR. FLOWOOD, MS 39232 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 44,835,341,000 | 1 | $ 88,000 |
| Pinnacle Mortgage Company 156 GRANTS FERRY ROAD BRANDON, MS 39047 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Mortgageamerica, Inc. 1800 INTERNATIONAL PARK DR, SUITE 100 BIRMINGHAM, AL 35243 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 1 | $ 13,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 60,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 1 | $ 46,000 |
| Southwest Securities, FSB 1201 ELM STREET DALLAS, TX 75270 |
* | $ 606,266,000 | 1 | $ 71,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 1 | $ 252,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 94,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 54,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 1 | $ 63,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 90,000 |
The tables below break down 2003 mortgage applications in Pontotoc County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pontotoc County, MS in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,213 | $103,223,000 | $85,000 | $692,000 | $50,000 | $1,276,000 |
| Home Purchase (one-to-four family) | 486 | $31,676,000 | $65,000 | $488,000 | $44,000 | $1,100,000 |
| Home Improvement (one-to-four family) | 99 | $2,363,000 | $23,000 | $153,000 | $53,000 | $198,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $76,000 | $76,000 | $76,000 | $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 | 1,397 | $109,735,000 | $78,000 | $692,000 | $50,000 | $1,276,000 |
| Information not provided by applicant in mail or telephone application | 207 | $16,117,000 | $77,000 | $319,000 | $50,000 | $504,000 |
| Black | 109 | $5,318,000 | $48,000 | $195,000 | $36,000 | $133,000 |
| Not applicable | 73 | $4,769,000 | $65,000 | $271,000 | $8,000 | $168,000 |
| Other | 6 | $893,000 | $148,000 | $250,000 | $158,000 | $600,000 |
| Hispanic | 3 | $69,000 | $23,000 | $35,000 | $73,000 | $175,000 |
| American Indian or Alaskan Native | 3 | $217,000 | $72,000 | $134,000 | $16,000 | $26,000 |
| Asian or Pacific Islander | 1 | $220,000 | $220,000 | $220,000 | $160,000 | $160,000 |
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) | 1,736 | $132,022,000 | $76,000 | $692,000 | $49,000 | $1,276,000 |
| FHA-insured (Federal Housing Administration) | 31 | $2,755,000 | $88,000 | $154,000 | $40,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,371,000 | $80,000 | $129,000 | $25,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,190,000 | $79,000 | $184,000 | $28,000 | $132,000 |
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 | 893 | $70,209,000 | $78,000 | $692,000 | $55,000 | $1,100,000 |
| Application Denied By Financial Institution | 397 | $26,085,000 | $65,000 | $270,000 | $41,000 | $281,000 |
| Loan Purchased By The Institution | 223 | $19,034,000 | $85,000 | $319,000 | $35,000 | $376,000 |
| Application Approved But Not Accepted | 135 | $9,097,000 | $67,000 | $196,000 | $50,000 | $1,276,000 |
| Application Withdrawn By Applicant | 119 | $10,193,000 | $85,000 | $400,000 | $51,000 | $504,000 |
| File Closed For Incompleteness | 32 | $2,720,000 | $85,000 | $250,000 | $57,000 | $156,000 |
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 | 100 | $5,959,000 | $59,000 | $270,000 | $40,000 | $240,000 |
| Credit Application Incomplete | 55 | $5,451,000 | $99,000 | $220,000 | $50,000 | $240,000 |
| Collateral | 37 | $2,681,000 | $72,000 | $193,000 | $40,000 | $111,000 |
| Other | 34 | $2,472,000 | $72,000 | $194,000 | $42,000 | $110,000 |
| Debt-To-Income Ratio | 31 | $2,042,000 | $65,000 | $223,000 | $35,000 | $97,000 |
| Unverifiable Information | 4 | $462,000 | $115,000 | $175,000 | $46,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $206,000 | $51,000 | $72,000 | $47,000 | $67,000 |
| Employment History | 2 | $105,000 | $52,000 | $78,000 | $79,000 | $96,000 |
| 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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