Rains County, TX Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 454 mortgage applications in Rains County, TX totaling $60.2 million, up 42% from 2015. The average application was for $132,000, and applicants reported an average income of $77,000. 39% of applications resulted in an originated loan and 25% were denied. The most active lender was 21st Mortgage, with 43 applications, followed by loanDepot.com LLC and Wells Fargo Bank NA.
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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 | 454 |
| Total Mortgage Loan Application Amount | $60,213,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $3,347,000 |
* 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 |
* | $ 10,000,000 | 43 | $ 2,980,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 31 | $ 4,859,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 20 | $ 4,153,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 18 | $ 223,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ 1,570,970,000 | 17 | $ 1,067,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 14 | $ 2,007,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 1,013,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 13 | $ 1,792,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 10 | $ 1,011,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 9 | $ 1,452,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 9 | $ 1,484,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 675,807,000 | 8 | $ 1,784,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 8 | $ 495,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 865,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ 10,000,000 | 7 | $ 906,000 |
| American National Bank of Texa 102 W MOORE AVENUE TERRELL, TX 75160 |
* | $ 2,739,293,000 | 7 | $ 1,025,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 7 | $ 227,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 7 | $ 1,396,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 7 | $ 951,000 |
| Sfmc, LP 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 6 | $ 1,158,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 6 | $ 1,013,000 |
| Commercial Bank of Texas, NA 215 E MAIN ST NACOGDOCHES, TX 75961 |
* | $ 569,056,000 | 5 | $ 231,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ 59,713,000 | 5 | $ 846,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 5 | $ 306,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 332,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 820,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 4 | $ 319,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 4 | $ 1,150,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 162,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 553,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 235,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 3 | $ 370,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 3 | $ 424,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 3 | $ 530,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 467,000 |
| First National Bank of East Texas 206 US HWY 271 N GILMER, TX 75644 |
* | $ 330,069,000 | 3 | $ 416,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 279,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ 40,000,000 | 2 | $ 216,000 |
| Community National Bank & Trust of Texas PO BOX 624 CORSICANA, TX 75151 |
* | $ 539,303,000 | 2 | $ 256,000 |
| Directors Financial Group 11 CUSHING, STE 250 IRVINE, CA 92618 |
* | $ 100,000,000 | 2 | $ 403,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 501,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 487,384,000 | 2 | $ 739,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Bth Bank, National Association 412 E GOODE QUITMAN, TX 75783 |
* | $ 910,446,000 | 2 | $ 592,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 331,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 2 | $ 210,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 3,153,899,000 | 2 | $ 616,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ 10,000,000 | 2 | $ 464,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 353,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 424,000 |
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 1,681,069,000 | 2 | $ 498,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 377,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 373,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 2 | $ 171,000 |
| Southside Bank 1201 S BECKHAM TYLER, TX 75701 |
* | $ 5,155,522,000 | 1 | $ 164,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 115,000 |
| Texas National Bank of Jacksonville 1518 E GRANDE BLVD TYLER, TX 75703 |
* | $ 452,693,000 | 1 | $ 154,000 |
| Southwest Bank 4100 INTERNATIONAL PLAZA, STE 900 FORT WORTH, TX 76109 |
* | $ 1,748,667,000 | 1 | $ 3,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 367,680,000 | 1 | $ 185,000 |
| Esb Mortgage Company Inc. 815 W ENNIS AVE ENNIS, TX 75119 |
* | $ 51,933,000 | 1 | $ 116,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 66,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 156,000 |
| Benchmark Bank 5700 LEGACY DRIVE STE. 10 PLANO, TX 75024 |
* | $ 495,556,000 | 1 | $ 152,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 294,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 113,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 159,043,000 | 1 | $ 60,000 |
| Texas Trust Credit Union 5080 W IH 20 ARLINGTON, TX 76017 |
* | $ 910,892,000 | 1 | $ 274,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 1 | $ 32,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 222,000 |
| Athas Capital Group, Inc. 27001 AGOURA ROAD, STE. 200 CALABASAS, CA 91301 |
* | $ 2,793,758,000 | 1 | $ 75,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 147,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 25,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 128,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 272,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 61,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 129,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,284,745,000 | 1 | $ 189,000 |
| Frost Bank 100 WEST HOUSTON ST SAN ANTONIO, TX 78205 |
* | $ 28,595,564,000 | 1 | $ 50,000 |
| Pilgrim Bank 145 E. MARSHALL ST. PITTSBURG, TX 75686 |
* | $ 584,561,000 | 1 | $ 26,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 2,195,527,000 | 1 | $ 100,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 2,773,485,000 | 1 | $ 77,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 700,650,000 | 1 | $ 215,000 |
| Woodhaven Bank 6750 BRIDGE STREET, PO BOX 24248 FORT WORTH, TX 76112 |
* | $ 464,980,000 | 1 | $ 222,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 107,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 4,000 |
| Citizens State Bank 3915 SSW LOOP 323 TYLER, TX 75701 |
* | $ 310,965,000 | 1 | $ 348,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 150 RICHARDSON, TX 75083 |
* | $ 2,214,138,000 | 1 | $ 235,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 193,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 139,069,000,000 | 1 | $ 266,000 |
| 1st Preference Mortgage Corp. 9423 BELAIR RD BALTIMORE, MD 21236 |
* | $ 1,000,000,000 | 1 | $ 252,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,025,607,000 | 1 | $ 254,000 |
| Primewest Mortgage Corporation 7806 INDIANA AVENUE LUBBOCK, TX 79423 |
* | $ 10,000,000 | 1 | $ 258,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 93,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 415,660,000 | 1 | $ 179,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 143,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ 4,441,234,000 | 1 | $ 76,000 |
| Veritex Community Bank 2101 ABRAMS RD DALLAS, TX 75225 |
* | $ 1,039,413,000 | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 58,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 1 | $ 279,000 |
| Cendera Bank, National Association P.O. BOX 97 (615 E BELLS BLVD) BELLS, TX 75414 |
* | $ 70,148,000 | 1 | $ 192,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 215,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 142,000 |
| First Basin Credit Union 2740 NORTH COUNTY ROAD WEST ODESSA, TX 79764 |
* | $ 206,150,000 | 1 | $ 71,000 |
| Americash 3080 BRISTOL STREET, SUITE 300 COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 268,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 294,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Southwest Airlines FCU 2340 SHORECREST DALLAS, TX 75235 |
* | $ 387,532,000 | 1 | $ 15,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 63,000 |
| First State Bank 801 E CALIFORNIA STREET GAINESVILLE, TX 76240 |
* | $ 989,690,000 | 1 | $ 179,000 |
| Amarillo National Bank 410 S TAYLOR STREET AMARILLO, TX 79101 |
* | $ 3,822,327,000 | 1 | $ 417,000 |
| United Community Mortgage Corp 40750 SYMPHONEY PARK LANE, STE 102 MURRIETA, CA 92562 |
* | $ 21,660,000 | 1 | $ 96,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 156,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,565,602,000 | 1 | $ 225,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 72,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 105,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 114,257,000 | 1 | $ 127,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Service 1st Credit Union #1 AVE D GREENVILLE, TX 75402 |
* | $ 53,693,000 | 1 | $ 259,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 164,000 |
The tables below break down 2016 mortgage applications in Rains County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Rains County, TX in 2016
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 | 270 | $36,536,000 | $135,000 | $1,085,000 | $81,000 | $3,347,000 |
| Refinancing | 140 | $21,709,000 | $155,000 | $814,000 | $69,000 | $600,000 |
| Home Improvement | 44 | $1,968,000 | $44,000 | $274,000 | $75,000 | $160,000 |
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 | 326 | $43,842,000 | $134,000 | $1,085,000 | $88,000 | $3,347,000 |
| Not Provided | 62 | $6,411,000 | $103,000 | $310,000 | $66,000 | $189,000 |
| Not applicable | 40 | $5,466,000 | $136,000 | $340,000 | $10,000 | $137,000 |
| Hispanic | 11 | $1,653,000 | $150,000 | $339,000 | $74,000 | $188,000 |
| American Indian or Alaskan Native | 6 | $1,415,000 | $235,000 | $403,000 | $55,000 | $146,000 |
| Black or African American | 5 | $608,000 | $121,000 | $223,000 | $78,000 | $99,000 |
| Asian | 2 | $260,000 | $130,000 | $185,000 | $40,000 | $42,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $558,000 | $279,000 | $279,000 | $94,000 | $94,000 |
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) | 294 | $37,051,000 | $126,000 | $1,085,000 | $93,000 | $3,347,000 |
| FHA-insured (Federal Housing Administration) | 97 | $12,023,000 | $123,000 | $269,000 | $46,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 54 | $10,114,000 | $187,000 | $814,000 | $51,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,025,000 | $113,000 | $220,000 | $24,000 | $47,000 |
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 | 179 | $26,806,000 | $149,000 | $1,085,000 | $99,000 | $3,347,000 |
| Application Denied By Financial Institution | 112 | $11,385,000 | $101,000 | $814,000 | $68,000 | $600,000 |
| Loan Purchased By The Institution | 53 | $8,087,000 | $152,000 | $340,000 | $31,000 | $234,000 |
| Application Withdrawn By Applicant | 50 | $7,494,000 | $149,000 | $403,000 | $81,000 | $220,000 |
| File Closed For Incompleteness | 37 | $3,157,000 | $85,000 | $285,000 | $54,000 | $124,000 |
| Application Approved But Not Accepted | 23 | $3,284,000 | $142,000 | $903,000 | $79,000 | $312,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 22 | $1,769,000 | $80,000 | $290,000 | $71,000 | $160,000 |
| Credit History | 15 | $876,000 | $58,000 | $172,000 | $68,000 | $310,000 |
| Collateral | 7 | $1,123,000 | $160,000 | $527,000 | $78,000 | $204,000 |
| Other | 7 | $527,000 | $75,000 | $196,000 | $56,000 | $107,000 |
| Credit Application Incomplete | 4 | $562,000 | $140,000 | $254,000 | $93,000 | $172,000 |
| Employment History | 1 | $66,000 | $66,000 | $66,000 | $94,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $96,000 | $96,000 | $96,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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