Rabun County, GA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 822 mortgage applications in Rabun County, GA totaling $333.2 million, up 6% from 2024. The average application was for $405,000, and applicants reported an average income of $270,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was United Community Bank, with 70 applications, followed by Regions Bank and PennyMac Loan Services LLC.

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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 822
Total Mortgage Loan Application Amount $333,180,000
Average Mortgage Loan Application Amount $405,000
Highest Mortgage Loan Application Amount $4,505,000
Average Applicant Income $270,000
Highest Applicant Income $7,154,000

Mortgage Company List for Lending in Rabun County, GA for 2025

* 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
GREENVILLE, SC 29601
* $ n/a 70 $ 21,570,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 44 $ 16,210,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 42 $ 13,770,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 37 $ 15,025,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 30 $ 8,050,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ n/a 26 $ 36,610,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 24 $ 12,820,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 20 $ 5,340,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 20 $ 9,120,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 17 $ 8,745,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 14 $ 9,280,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 14 $ 4,170,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 13 $ 4,735,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 13 $ 3,155,000
First American Bank
300 COLLEGE AVE
ATHENS, GA 30607
* $ n/a 12 $ 3,080,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 12 $ 2,630,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 11 $ 8,815,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 10 $ 3,460,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 10 $ 1,490,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 1,570,000
Oconee Federal Savings and Loan Association
115 E NORTH 2ND ST
SENECA, SC 29678
* $ n/a 9 $ 2,655,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 9 $ 1,685,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 8 $ 2,610,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 8 $ 3,270,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 8 $ 1,990,000
Sente Mortgage, Inc.
4520 BURNET ROAD
AUSTIN, TX 78756
* $ n/a 8 $ 2,010,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 7 $ 245,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 2,835,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 6 $ 1,590,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 6 $ 880,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 6 $ 3,040,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 6 $ 1,730,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 6 $ 1,790,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 5 $ 2,005,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,195,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 4 $ 3,140,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 1,460,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 850,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 4 $ 3,400,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 4 $ 950,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 350,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 4 $ 1,000,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 485,000
Southern First Bank
100 VERDAE BLVD
GREENVILLE, SC 29607
* $ n/a 3 $ 1,175,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 3 $ 1,195,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 3 $ 355,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ n/a 3 $ 4,355,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ n/a 3 $ 625,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 595,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 3 $ 1,105,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 3 $ 715,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 3 $ 925,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 635,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 805,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 3 $ 415,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ n/a 3 $ 565,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 3 $ 385,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 3 $ 395,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 2,535,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 3 $ 545,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 550,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 200,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 2,720,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ n/a 2 $ 600,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 2 $ 480,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 440,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ n/a 2 $ 1,210,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 2 $ 670,000
Mygeorgia Credit Union
PO BOX 908237
GAINESVILLE, GA 30501
* $ n/a 2 $ 240,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 580,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 390,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 2 $ 800,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 2 $ 690,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 2,430,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 2 $ 1,880,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ n/a 2 $ 460,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 2 $ 610,000
United Bank
PO BOX 1337
ZEBULON, GA 30295
* $ n/a 2 $ 600,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 2 $ 1,330,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 2 $ 600,000
Banksouth Mortgage Company LLC
6340 LAKE OCONEE PARKWAY SUITE 202
GREENSBORO, GA 30642
* $ n/a 2 $ 750,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 240,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 2 $ 2,280,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 1,370,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 500,000
The Commercial Bank
102 N. CHURCH STREET
CRAWFORD, GA 30630
* $ n/a 2 $ 480,000
Peach State Federal Credit Union
1505 LAKES PARKWAY, SUITE 100
LAWRENCEVILLE, GA 30043
* $ n/a 2 $ 1,220,000
Outdoor Bank
2401 N SETH CHILD RD
MANHATTAN, KS 66503
* $ n/a 2 $ 7,630,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ n/a 2 $ 1,900,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 2 $ 3,370,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 1,310,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 410,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 730,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 2 $ 630,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 440,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 2 $ 240,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 2 $ 470,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ n/a 1 $ 315,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 455,000
Aggeorgia Farm Credit
468 PERRY PKWY
PERRY, GA 31069
* $ n/a 1 $ 235,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 1 $ 2,585,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 395,000
Five Star Credit Union
411 N FOSTER ST
DOTHAN, AL 36302
* $ n/a 1 $ 2,205,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ n/a 1 $ 355,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 55,000
Onward Home Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ n/a 1 $ 405,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 1 $ 195,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 615,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 1 $ 235,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 465,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 1 $ 285,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 535,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 1,115,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ n/a 1 $ 535,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 195,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 295,000
Berkeley Point Capital LLC

BOSTON, MA 02110
* $ n/a 1 $ 2,755,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 405,000
Community Bank of Mississippi
323 EAST THIRD STREET
FLOWOOD, MS 39232
* $ n/a 1 $ 375,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 1 $ 335,000
Campus USA Credit Union
14007 NW 1ST RD
NEWBERRY, FL 32669
* $ n/a 1 $ 315,000
Premier America Credit Union
19867 PRAIRIE STREET
CHATSWORTH, CA 91311
* $ n/a 1 $ 95,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 245,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 55,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 225,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 1 $ 695,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 615,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 615,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ n/a 1 $ 45,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 395,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 135,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 465,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 255,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 1 $ 335,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ n/a 1 $ 2,625,000
CIBC Bank USA
120 SOUTH LASALLE
CHICAGO, IL 60602
* $ n/a 1 $ 1,365,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 345,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 295,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ n/a 1 $ 495,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 175,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 125,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 105,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 285,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ n/a 1 $ 135,000
Acu
P.O. BOX 923028
PEACHTREE CORNERS, GA 30092
* $ n/a 1 $ 655,000
Morris Bank
301 BELLEVUE AVENUE
DUBLIN, GA 31021
* $ n/a 1 $ 275,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 225,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 105,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 145,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 1 $ 325,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 225,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 285,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 225,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 355,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 785,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ n/a 1 $ 175,000
Security Federal Bank
PO BOX 810
AIKEN, SC 29802
* $ n/a 1 $ 55,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 425,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 1 $ 365,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 455,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 295,000

The tables below break down 2025 mortgage applications in Rabun County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Rabun County, GA in 2025

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 361 $178,505,000 $494,000 $3,055,000 $351,000 $7,154,000
Cash-out Refinancing 169 $52,225,000 $309,000 $2,585,000 $137,000 $2,667,000
Refinancing 135 $69,395,000 $514,000 $4,505,000 $312,000 $2,416,000
Other Purpose 80 $21,700,000 $271,000 $3,575,000 $288,000 $6,250,000
Home Improvement 77 $11,355,000 $147,000 $1,005,000 $137,000 $1,617,000
Not Applicable 0 $0 $0 $0 $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 570 $225,600,000 $395,000 $4,505,000 $277,000 $7,154,000
Not Provided 111 $45,415,000 $409,000 $3,055,000 $284,000 $2,170,000
Not applicable 99 $48,005,000 $484,000 $4,025,000 $148,000 $768,000
Hispanic 29 $8,765,000 $302,000 $1,205,000 $150,000 $627,000
American Indian or Alaskan Native 5 $1,645,000 $329,000 $565,000 $168,000 $244,000
Asian 5 $3,265,000 $653,000 $1,505,000 $325,000 $1,174,000
Black or African American 3 $485,000 $161,000 $235,000 $105,000 $191,000
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) 660 $282,710,000 $428,000 $4,505,000 $288,000 $6,250,000
FHA-insured (Federal Housing Administration) 93 $22,765,000 $244,000 $415,000 $222,000 $7,154,000
VA-guaranteed (Veterans Administration) 68 $27,310,000 $401,000 $875,000 $114,000 $331,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $395,000 $395,000 $395,000 $103,000 $103,000

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 422 $183,570,000 $435,000 $4,025,000 $285,000 $7,154,000
Application Denied By Financial Institution 130 $51,660,000 $397,000 $4,505,000 $225,000 $3,169,000
Application Withdrawn By Applicant 100 $46,540,000 $465,000 $3,055,000 $318,000 $3,605,000
Loan Purchased By The Institution 90 $32,730,000 $363,000 $1,595,000 $213,000 $1,354,000
File Closed For Incompleteness 50 $13,200,000 $264,000 $1,005,000 $270,000 $6,250,000
Application Approved But Not Accepted 30 $5,480,000 $182,000 $705,000 $123,000 $877,000
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 673 $273,075,000 $405,000 $4,025,000 $279,000 $7,154,000
Debt-To-Income Ratio 68 $23,350,000 $343,000 $2,205,000 $191,000 $3,169,000
Credit History 28 $2,800,000 $100,000 $245,000 $102,000 $918,000
Collateral 26 $19,070,000 $733,000 $4,505,000 $529,000 $2,416,000
Unverifiable Information 12 $5,930,000 $494,000 $1,575,000 $254,000 $955,000
Credit Application Incomplete 7 $1,485,000 $212,000 $455,000 $98,000 $212,000
Other 6 $6,940,000 $1,156,000 $3,005,000 $424,000 $1,222,000
Insufficient Cash (Downpayment, Closing Cost) 2 $530,000 $265,000 $265,000 $75,000 $75,000
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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