Pulaski County, VA Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 1,327 mortgage applications in Pulaski County, VA totaling $179.5 million, up 8% from 2014. The average application was for $135,000, and applicants reported an average income of $52,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank NA, with 117 applications, followed by Atlantic Bay Mortgage Group and Embrace Home Loans, Inc..
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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 | 1,327 |
| Total Mortgage Loan Application Amount | $179,474,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $10,100,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $563,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 117 | $ 14,139,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 97 | $ 13,580,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 82 | $ 12,615,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 70 | $ 5,399,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 67 | $ 6,970,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 7,333,085,000 | 53 | $ 6,257,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,152,528,000 | 51 | $ 4,594,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 48 | $ 7,253,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 47 | $ 7,138,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,770,509,000 | 45 | $ 3,053,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 43 | $ 364,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 32 | $ 4,482,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 28 | $ 4,380,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 25 | $ 3,905,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 680,581,000 | 23 | $ 709,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 7,333,085,000 | 22 | $ 1,201,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 21 | $ 3,058,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,584,917,000 | 20 | $ 2,804,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 19 | $ 2,000,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 15 | $ 2,231,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ 10,000,000 | 13 | $ 2,228,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 13 | $ 1,757,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 12 | $ 2,169,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 12 | $ 1,383,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 12 | $ 1,387,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 11 | $ 1,783,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 3,217,774,000 | 11 | $ 1,583,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,389,052,000 | 11 | $ 1,304,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 356,760,000 | 10 | $ 1,217,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 679,799,000 | 9 | $ 1,655,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 8 | $ 1,145,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,629,941,000 | 7 | $ 1,012,000 |
| Bank of Floyd P O BOX 215 FLOYD, VA 24091 |
* | $ 275,049,000 | 6 | $ 501,000 |
| Hometown Bank PO BOX 21769 ROANOKE, VA 24018 |
* | $ 428,209,000 | 6 | $ 1,148,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 6 | $ 517,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 6 | $ 1,243,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 641,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 582,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 718,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 5 | $ 667,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 748,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 4 | $ 600,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 771,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 4 | $ 415,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,681,182,000 | 4 | $ 214,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 4 | $ 449,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 363,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 4 | $ 526,000 |
| First Century Bank, Inc. P.O. BOX 1559, 500 FEDERAL STREET BLUEFIELD, WV 24701 |
* | $ 401,109,000 | 4 | $ 268,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 4 | $ 735,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 378,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 3 | $ 491,000 |
| Community Capital Bank of VA 110 PEPPERS FERRY RD NW CHRISTIANSBURG, VA 24073 |
* | $ 82,955,000 | 3 | $ 1,920,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 3 | $ 902,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 859,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 689,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 554,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 3 | $ 677,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 3 | $ 339,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 29,477,544,000 | 2 | $ 311,000 |
| Grandbridge Real Est Capital 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 74,000,000,000 | 2 | $ 11,900,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 2 | $ 865,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 346,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 339,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 533,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 264,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 373,000 |
| Severn Savings Bank, FSB dba Severn Bank 200 WESTGATE CIRCLE SUITE 200 ANNAPOLIS, MD 21401 |
* | $ 772,697,000 | 2 | $ 390,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 556,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 425,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 188,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 441,000 |
| Lafayette Federal Credit Union 2701 TOWER OAKS BLVD., ROCKVILLE, MD 20852 |
* | $ 396,481,000 | 2 | $ 31,000 |
| Blue Eagle Credit Union 2121 ELECTRIC RD ROANOKE, VA 24018 |
* | $ 128,543,000 | 2 | $ 324,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ 1,400,000,000 | 2 | $ 225,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ 0 | 2 | $ 458,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 371,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 498,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 631,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 266,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 330,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 348,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ 100,000,000 | 1 | $ 260,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 121,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 380,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 1 | $ 100,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 170,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 208,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 179,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ 0 | 1 | $ 62,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 183,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 104,000 |
| Uwharrie Bank P.O. BOX 338 ALBEMARLE, NC 28002 |
* | $ 517,178,000 | 1 | $ 80,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 221,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 52,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,458,059,000 | 1 | $ 203,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 443,413,000 | 1 | $ 23,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 650,690,000 | 1 | $ 40,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 164,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 463,562,000 | 1 | $ 450,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 160,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 196,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 68,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 97,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 255,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 159,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,914,758,000 | 1 | $ 343,000 |
| Celco Community Federal Credit Union PO BOX 361 NARROWS, VA 24124 |
* | $ 101,264,000 | 1 | $ 15,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 139,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 1 | $ 230,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 321,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 125,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ 10,000,000 | 1 | $ 313,000 |
| McLean Mortgage Corporation 11325 RANDOM HILLS RD. SUITE 400 FAIRFAX, VA 22030 |
* | $ 50,010,000 | 1 | $ 365,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 1 | $ 111,000 |
| Legacybank 20957 RIVERSIDE DRIVE GRUNDY, VA 24614 |
* | $ 322,468,000 | 1 | $ 37,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 1 | $ 121,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 66,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 21,553,919,000 | 1 | $ 134,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 242,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 213,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ 13,563,392,000 | 1 | $ 104,000 |
The tables below break down 2015 mortgage applications in Pulaski County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Pulaski County, VA in 2015
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 | 638 | $86,218,000 | $135,000 | $648,000 | $48,000 | $338,000 |
| Refinancing | 517 | $86,027,000 | $166,000 | $10,100,000 | $55,000 | $563,000 |
| Home Improvement | 172 | $7,229,000 | $42,000 | $770,000 | $53,000 | $223,000 |
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 | 976 | $119,454,000 | $122,000 | $611,000 | $59,000 | $563,000 |
| Not applicable | 193 | $40,143,000 | $207,000 | $10,100,000 | $9,000 | $162,000 |
| Not Provided | 82 | $10,473,000 | $127,000 | $415,000 | $55,000 | $336,000 |
| Black or African American | 48 | $5,696,000 | $118,000 | $396,000 | $54,000 | $150,000 |
| Hispanic | 12 | $1,213,000 | $101,000 | $222,000 | $67,000 | $230,000 |
| Asian | 9 | $1,650,000 | $183,000 | $625,000 | $84,000 | $306,000 |
| American Indian or Alaskan Native | 5 | $745,000 | $149,000 | $244,000 | $48,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $100,000 | $50,000 | $93,000 | $50,000 | $58,000 |
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) | 813 | $108,426,000 | $133,000 | $10,100,000 | $62,000 | $563,000 |
| FHA-insured (Federal Housing Administration) | 225 | $31,204,000 | $138,000 | $297,000 | $36,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 163 | $18,662,000 | $114,000 | $222,000 | $29,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 126 | $21,182,000 | $168,000 | $416,000 | $42,000 | $143,000 |
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 | 625 | $79,909,000 | $127,000 | $648,000 | $62,000 | $563,000 |
| Application Denied By Financial Institution | 285 | $27,886,000 | $97,000 | $611,000 | $47,000 | $244,000 |
| Loan Purchased By The Institution | 229 | $32,582,000 | $142,000 | $399,000 | $22,000 | $176,000 |
| Application Withdrawn By Applicant | 107 | $16,749,000 | $156,000 | $995,000 | $60,000 | $336,000 |
| File Closed For Incompleteness | 62 | $7,740,000 | $124,000 | $416,000 | $57,000 | $372,000 |
| Application Approved But Not Accepted | 19 | $14,608,000 | $768,000 | $10,100,000 | $49,000 | $163,000 |
| 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 | 56 | $2,637,000 | $47,000 | $254,000 | $50,000 | $147,000 |
| Debt-To-Income Ratio | 40 | $3,341,000 | $83,000 | $450,000 | $44,000 | $103,000 |
| Collateral | 33 | $3,682,000 | $111,000 | $450,000 | $60,000 | $244,000 |
| Credit Application Incomplete | 20 | $3,582,000 | $179,000 | $611,000 | $46,000 | $176,000 |
| Other | 16 | $1,267,000 | $79,000 | $161,000 | $44,000 | $141,000 |
| Unverifiable Information | 8 | $423,000 | $52,000 | $138,000 | $35,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $438,000 | $146,000 | $277,000 | $45,000 | $86,000 |
| Employment History | 2 | $119,000 | $59,000 | $104,000 | $81,000 | $118,000 |
| 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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