Pontotoc County, MS Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 1,590 mortgage applications in Pontotoc County, MS totaling $125.0 million, down 4% from 2004. The average application was for $78,000, and applicants reported an average income of $50,000. 40% of applications resulted in an originated loan and 23% were denied. The most active lender was Renasant Bank, with 172 applications, followed by Wells Fargo Bank, NA and Bancorpsouth 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 | 1,590 |
| Total Mortgage Loan Application Amount | $125,009,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $920,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $2,000,000 |
* 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 |
* | $ 1,437,025,000 | 172 | $ 9,995,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 127 | $ 12,425,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,844,752,000 | 114 | $ 6,613,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 70 | $ 2,445,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 69 | $ 5,920,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 58 | $ 5,716,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 53 | $ 5,188,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 46 | $ 3,897,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 44 | $ 3,580,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 37 | $ 3,276,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 37 | $ 2,503,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 36 | $ 3,788,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,484,101,000,000 | 35 | $ 1,311,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 35 | $ 2,359,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 129,073,000 | 34 | $ 3,227,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 34 | $ 2,549,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 49,711,241,000 | 32 | $ 2,458,000 |
| First National Bankers Bank 7813 OFFICE PARK BLVD BATON ROUGE, LA 70809 |
* | $ 232,722,000 | 28 | $ 2,784,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 26 | $ 3,659,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 7,890,600,000 | 25 | $ 2,091,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 23 | $ 558,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 22 | $ 1,782,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,482,420,000 | 20 | $ 2,096,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 20 | $ 2,194,000 |
| Merchants and Farmers Bank 134 WEST WASHINGTON ST KOSCIUSKO, MS 39090 |
* | $ 1,139,203,000 | 18 | $ 1,290,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 17 | $ 1,457,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 16 | $ 960,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 16 | $ 1,146,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 16 | $ 751,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 14 | $ 1,482,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 12 | $ 666,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 11 | $ 701,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 13,770,188,000 | 11 | $ 1,845,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 10 | $ 711,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 882,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 9 | $ 656,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 646,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 9 | $ 363,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 8 | $ 862,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 8 | $ 585,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 8 | $ 609,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 8 | $ 747,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 8 | $ 840,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 7 | $ 243,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 6 | $ 439,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 6 | $ 733,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 6 | $ 647,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 5 | $ 553,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 5 | $ 343,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 5 | $ 330,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 344,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 423,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 446,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 4 | $ 381,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 135,210,000 | 4 | $ 136,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 4 | $ 517,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 4 | $ 186,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 4 | $ 296,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 3 | $ 338,000 |
| Finance America 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 250,000,000 | 3 | $ 146,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 3 | $ 161,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 553,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 219,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 3 | $ 263,000 |
| The Lending Connection, Inc 5901 WARNER AVE #478 HUNTINGTON BEACH, CA 92649 |
* | $ 10,000,000 | 3 | $ 305,000 |
| Wells Fargo Fin'l Maryland,Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 406,361,000 | 2 | $ 50,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 412,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 2 | $ 313,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 176,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 10,353,821,000 | 2 | $ 119,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 2 | $ 169,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 2 | $ 167,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 2 | $ 81,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 2 | $ 108,000 |
| Southern Security Federal Credit Union 765 W POPLAR AVE COLLIERVILLE, TN 38017 |
* | $ 82,330,000 | 2 | $ 70,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,092,666,000 | 2 | $ 148,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 102,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 2 | $ 337,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 100,000 |
| First Consolidated Mortgage 1700 PACIFIC AVENUE, STE 2400 DALLAS, TX 75080 |
* | $ 10,000,000 | 2 | $ 261,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 73,000 |
| All Fund Mortgage 8808 PACIFIC AVE. TACOMA, WA 98444 |
* | $ 10,000,000 | 2 | $ 294,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 148,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 13,849,972,000 | 1 | $ 68,000 |
| BNC Mortgage 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 1 | $ 76,000 |
| Bridge Capital Corporation 27121 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 1,092,335,000 | 1 | $ 128,000 |
| Cornerstone Mortgage Center, I 300 SOUTH SHACKLEFORD RD LITTLE ROCK, AR 72211 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 528,733,000 | 1 | $ 24,000 |
| Consumer First Mortgage, Inc. 511 ENERGY CENTER BLVD, SUITE 702 NORTHPORT, AL 35473 |
* | $ 10,001,000 | 1 | $ 120,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 27,779,034,000 | 1 | $ 76,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 128,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 68,000 |
| American Savings Credit Union 3048 HARVESTER LANE MEMPHIS, TN 38118 |
* | $ 47,264,000 | 1 | $ 37,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 1 | $ 75,000 |
| American Express Bank, FSB 4315 SOUTH 2700 WEST SALT LAKE CITY, UT 84184 |
* | $ 12,174,313,000 | 1 | $ 100,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 157,030,000 | 1 | $ 50,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 1,711,411,000 | 1 | $ 152,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 8,712,809,000 | 1 | $ 99,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 148,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 25,545,577,000 | 1 | $ 129,000 |
| Fmf Capital LLC 25800 NORTHWESTERN HWY, STE. 500 SOUTHFIELD, MI 48075 |
* | $ 180,821,000 | 1 | $ 197,000 |
| Franklin Bank SSB 9800 RICHMOND, SUITE 680 HOUSTON, TX 77042 |
* | $ 3,477,922,000 | 1 | $ 60,000 |
| Gb Home Equity, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 31,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 1 | $ 13,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 1 | $ 76,000 |
| First Security Bank P.O. BOX 690 BATESVILLE, MS 38606 |
* | $ 391,148,000 | 1 | $ 130,000 |
| First State Bank 221 HARRISON ST UNION CITY, TN 38261 |
* | $ 721,730,000 | 1 | $ 74,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Southtrust Mort dba Equibanc 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 390,787,000 | 1 | $ 87,000 |
| Pinnacle Mortgage Company 156 GRANTS FERRY ROAD BRANDON, MS 39047 |
* | $ 9,000,000 | 1 | $ 141,000 |
| Quick Loan Funding Inc 535 ANTON BLVD, SUITE 600 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,043,312,000 | 1 | $ 27,000 |
| Lime Financial Services, Ltd. 3815 SOUTH WEST TEMPLE SALT LAKE CITY, UT 84115 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Kellner Mortgage Investments 5055 W. PARK BLVD., SUITE 600 PLANO, TX 75093 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 5,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 389,963,000,000 | 1 | $ 328,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 96,000 |
The tables below break down 2005 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 2005
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 | 893 | $76,820,000 | $86,000 | $920,000 | $53,000 | $1,140,000 |
| Home Purchase | 579 | $43,390,000 | $74,000 | $552,000 | $47,000 | $2,000,000 |
| Home Improvement | 118 | $4,799,000 | $40,000 | $280,000 | $51,000 | $336,000 |
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 | 1,097 | $90,277,000 | $82,000 | $920,000 | $58,000 | $2,000,000 |
| Not Provided | 202 | $16,401,000 | $81,000 | $232,000 | $47,000 | $516,000 |
| Not applicable | 144 | $9,566,000 | $66,000 | $280,000 | $5,000 | $66,000 |
| Black or African American | 130 | $7,543,000 | $58,000 | $225,000 | $39,000 | $240,000 |
| Hispanic | 14 | $1,011,000 | $72,000 | $262,000 | $37,000 | $97,000 |
| Asian | 2 | $145,000 | $72,000 | $80,000 | $61,000 | $97,000 |
| American Indian or Alaskan Native | 1 | $66,000 | $66,000 | $66,000 | $81,000 | $81,000 |
| 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) | 1,533 | $120,212,000 | $78,000 | $920,000 | $52,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 32 | $2,615,000 | $81,000 | $187,000 | $33,000 | $72,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,347,000 | $84,000 | $137,000 | $34,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 9 | $835,000 | $92,000 | $180,000 | $33,000 | $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 | 629 | $49,685,000 | $78,000 | $912,000 | $56,000 | $2,000,000 |
| Application Denied By Financial Institution | 361 | $26,790,000 | $74,000 | $920,000 | $46,000 | $482,000 |
| Loan Purchased By The Institution | 231 | $18,569,000 | $80,000 | $551,000 | $42,000 | $547,000 |
| Application Withdrawn By Applicant | 188 | $15,910,000 | $84,000 | $458,000 | $54,000 | $478,000 |
| Application Approved But Not Accepted | 129 | $8,847,000 | $68,000 | $237,000 | $44,000 | $516,000 |
| File Closed For Incompleteness | 51 | $5,128,000 | $100,000 | $250,000 | $62,000 | $900,000 |
| Preapproval Denied by Financial Institution | 1 | $80,000 | $80,000 | $80,000 | $54,000 | $54,000 |
| 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 | 101 | $7,525,000 | $74,000 | $257,000 | $41,000 | $168,000 |
| Other | 53 | $4,243,000 | $80,000 | $166,000 | $51,000 | $420,000 |
| Credit Application Incomplete | 28 | $2,756,000 | $98,000 | $249,000 | $55,000 | $180,000 |
| Collateral | 25 | $2,834,000 | $113,000 | $920,000 | $83,000 | $482,000 |
| Debt-To-Income Ratio | 20 | $1,852,000 | $92,000 | $187,000 | $43,000 | $104,000 |
| Unverifiable Information | 10 | $760,000 | $76,000 | $172,000 | $40,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $96,000 | $96,000 | $96,000 | $33,000 | $33,000 |
| 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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