Pontotoc County, MS Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,408 mortgage applications in Pontotoc County, MS totaling $195.4 million, up 12% from 2020. The average application was for $138,000, and applicants reported an average income of $71,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was 21st Mortgage, with 209 applications, followed by Renasant Bank and Cadence 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 | 1,408 |
| Total Mortgage Loan Application Amount | $195,420,000 |
| Average Mortgage Loan Application Amount | $138,000 |
| Highest Mortgage Loan Application Amount | $1,935,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $700,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 209 | $ 18,135,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 176 | $ 21,640,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 21,061,188,000 | 130 | $ 17,940,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 112 | $ 21,350,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 33 | $ 3,105,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 32 | $ 4,890,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 29 | $ 3,265,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ -1,000 | 26 | $ 3,990,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 25 | $ 3,255,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 24 | $ 1,770,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 22 | $ 4,470,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 21 | $ 1,825,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 21 | $ 3,305,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 20 | $ 3,310,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 18 | $ 2,810,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 18 | $ 1,440,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 16 | $ 2,910,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 389,451,000 | 16 | $ 2,710,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 15 | $ 2,335,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,971,297,000 | 15 | $ 2,795,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 15 | $ 2,715,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 13,495,944,000 | 14 | $ 1,280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 1,560,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 14 | $ 2,320,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 13 | $ 2,045,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 13 | $ 1,605,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 13 | $ 2,775,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 3,259,650,000 | 13 | $ 2,585,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 12 | $ 860,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 10 | $ 1,390,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 8 | $ 1,160,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 8 | $ 1,910,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 7 | $ 1,235,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 7 | $ 1,755,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 6 | $ 640,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 6 | $ 1,140,000 |
| Bank of Holly Springs 970 HIGHWAY 7 SOUTH HOLLY SPRINGS, MS 38635 |
* | $ 243,789,000 | 6 | $ 630,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 5 | $ 1,035,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 525,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 5 | $ 85,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 435,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 660,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 4 | $ 500,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 670,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 493,429,000 | 4 | $ 290,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 4 | $ 660,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 272,114,000 | 3 | $ 435,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 205,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ -1,000 | 3 | $ 885,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 3 | $ 605,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 3 | $ 445,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 3 | $ 505,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 495,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 865,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 565,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 200,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 2 | $ 270,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 590,000 |
| American Home Lending USA, LLC 230 S BUCHANAN ST, STE A EDWARDSVILLE, IL 62025 |
* | $ -1,000 | 2 | $ 330,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 270,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 290,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 360,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 300,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 280,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 2 | $ 160,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 2 | $ 190,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 525,924,000 | 2 | $ 740,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 300,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 2 | $ 180,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 2 | $ 160,000 |
| Radiant Credit Union 405 SE 2ND PLACE GAINESVILLE, FL 32606 |
* | $ 497,331,000 | 2 | $ 270,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 35,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 385,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 125,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 395,000 |
| Guidance Residential, LLC 11107 SUNSET HILLS ROAD, STES 100 & 200 RESTON, VA 20190 |
* | $ -1,000 | 1 | $ 255,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,898,751,000 | 1 | $ 35,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 165,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 165,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 1,005,002,000 | 1 | $ 115,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 195,000 |
| Bankfirst Financial Services PO BOX 31 MACON, MS 39341 |
* | $ 1,278,148,000 | 1 | $ 145,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 441,962,000 | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 95,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 165,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 145,000 |
| Jefferson Financial Federal Credit Union BILOXI, MS 39531 |
* | $ 882,183,000 | 1 | $ 155,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 235,000 |
| Lakeview Community Capital 4425 PONE DE LEON BLVD, MS 5-251 CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 135,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 125,000 |
| Brighton Bank 7663 HIGHWAY 51 S BRIGHTON, TN 38011 |
* | $ 41,730,000 | 1 | $ 175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 155,000 |
| Bank of Clarke 2 E MAIN ST BERRYVILLE, VA 22611 |
* | $ 871,277,000 | 1 | $ 135,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 9,767,997,000 | 1 | $ 95,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 155,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 245,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 75,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 1 | $ 155,000 |
| Home State Bank National Association 40 GRANT STREET CRYSTAL LAKE, IL 60014 |
* | $ 614,990,000 | 1 | $ 135,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,052,781,000 | 1 | $ 65,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 410,115,000 | 1 | $ 255,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 225,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 205,000 |
| Bellwether Enterprise Real Estate Capital, LLC 1360 E. 9TH STREET SUITE 300 CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 1,935,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 1 | $ 35,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 1 | $ 135,000 |
| Independent Bank 5050 POPLAR AVENUE STE 2100 MEMPHIS, TN 38157 |
* | $ 1,110,566,000 | 1 | $ 315,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 215,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 115,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 145,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 445,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 789,398,000 | 1 | $ 115,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 1 | $ 475,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 205,000 |
| Patriot Bank 8376 HIGHWAY 51 N MILLINGTON, TN 38053 |
* | $ 364,599,000 | 1 | $ 155,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 95,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,633,125,000 | 1 | $ 35,000 |
The tables below break down 2021 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 2021
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 | 696 | $97,870,000 | $140,000 | $655,000 | $62,000 | $700,000 |
| Refinancing | 418 | $64,520,000 | $154,000 | $1,935,000 | $86,000 | $409,000 |
| Cash-out Refinancing | 188 | $27,340,000 | $145,000 | $595,000 | $73,000 | $189,000 |
| Other Purpose | 60 | $3,520,000 | $58,000 | $225,000 | $82,000 | $367,000 |
| Home Improvement | 43 | $1,985,000 | $46,000 | $195,000 | $66,000 | $200,000 |
| Not Applicable | 3 | $185,000 | $61,000 | $75,000 | $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 | 970 | $135,570,000 | $139,000 | $655,000 | $76,000 | $700,000 |
| Black or African American | 174 | $18,820,000 | $108,000 | $595,000 | $51,000 | $367,000 |
| Not Provided | 128 | $18,300,000 | $142,000 | $465,000 | $70,000 | $641,000 |
| Not applicable | 83 | $16,565,000 | $199,000 | $1,935,000 | $75,000 | $103,000 |
| Hispanic | 40 | $4,300,000 | $107,000 | $265,000 | $48,000 | $107,000 |
| American Indian or Alaskan Native | 9 | $1,035,000 | $115,000 | $205,000 | $56,000 | $104,000 |
| Asian | 4 | $830,000 | $207,000 | $395,000 | $68,000 | $96,000 |
| 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) | 1,050 | $134,230,000 | $127,000 | $655,000 | $75,000 | $700,000 |
| FHA-insured (Federal Housing Administration) | 169 | $27,965,000 | $165,000 | $365,000 | $54,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 106 | $19,350,000 | $182,000 | $595,000 | $68,000 | $136,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $13,875,000 | $167,000 | $1,935,000 | $48,000 | $106,000 |
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 | 726 | $111,070,000 | $152,000 | $1,935,000 | $80,000 | $700,000 |
| Application Denied By Financial Institution | 295 | $30,995,000 | $105,000 | $465,000 | $52,000 | $367,000 |
| Application Withdrawn By Applicant | 138 | $20,150,000 | $146,000 | $595,000 | $71,000 | $286,000 |
| File Closed For Incompleteness | 120 | $12,890,000 | $107,000 | $365,000 | $60,000 | $224,000 |
| Loan Purchased By The Institution | 85 | $15,515,000 | $182,000 | $535,000 | $102,000 | $390,000 |
| Application Approved But Not Accepted | 44 | $4,800,000 | $109,000 | $315,000 | $69,000 | $344,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,104 | $163,450,000 | $148,000 | $1,935,000 | $76,000 | $641,000 |
| Credit History | 140 | $11,900,000 | $85,000 | $285,000 | $50,000 | $367,000 |
| Debt-To-Income Ratio | 83 | $9,735,000 | $117,000 | $395,000 | $51,000 | $700,000 |
| Credit Application Incomplete | 30 | $3,410,000 | $113,000 | $265,000 | $61,000 | $179,000 |
| Collateral | 26 | $3,270,000 | $125,000 | $285,000 | $57,000 | $154,000 |
| Other | 10 | $1,450,000 | $145,000 | $455,000 | $78,000 | $200,000 |
| Unverifiable Information | 9 | $1,245,000 | $138,000 | $465,000 | $83,000 | $252,000 |
| Employment History | 3 | $375,000 | $125,000 | $155,000 | $75,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $585,000 | $195,000 | $365,000 | $97,000 | $173,000 |
| 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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