Randolph County, AL Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 841 mortgage applications in Randolph County, AL totaling $165.8 million, up 18% from 2023. The average application was for $197,000, and applicants reported an average income of $108,000. 43% of applications resulted in an originated loan and 21% were denied. The most active lender was 21st Mortgage, with 86 applications, followed by Vanderbilt Mortgage and Finance, Inc and First Bank of Alabama.
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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 | 841 |
| Total Mortgage Loan Application Amount | $165,755,000 |
| Average Mortgage Loan Application Amount | $197,000 |
| Highest Mortgage Loan Application Amount | $2,485,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $1,341,000 |
* 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 |
* | $ n/a | 86 | $ 10,580,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 53 | $ 7,045,000 |
| First Bank of Alabama 120 NORTH ST E TALLADEGA, AL 35160 |
* | $ n/a | 47 | $ 6,595,000 |
| Alabama One Credit Union 1215 VETERANS MEMORIAL PARKWAY TUSCALOOSA, AL 35404 |
* | $ n/a | 30 | $ 5,000,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 27 | $ 5,205,000 |
| Southern States Bank DALLAS, GA 30157 |
* | $ n/a | 24 | $ 3,390,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 23 | $ 2,845,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 23 | $ 6,795,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 20 | $ 2,830,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 19 | $ 3,605,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 16 | $ 1,180,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 15 | $ 3,155,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 14 | $ 3,170,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 14 | $ 1,520,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 14 | $ 3,230,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 12 | $ 2,370,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 12 | $ 2,960,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 12 | $ 2,950,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 11 | $ 2,825,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 10 | $ 2,750,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 10 | $ 1,680,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 10 | $ 1,190,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 8 | $ 1,840,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 8 | $ 3,120,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 7 | $ 1,255,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ n/a | 7 | $ 2,555,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 7 | $ 1,695,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 7 | $ 1,055,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 6 | $ 3,680,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 6 | $ 1,720,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 370,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 6 | $ 1,270,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 6 | $ 1,420,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 6 | $ 1,670,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 1,720,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ n/a | 6 | $ 2,250,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 6 | $ 2,540,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 985,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 895,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 505,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 5 | $ 315,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 5 | $ 2,665,000 |
| Keystone Funding, Inc 519 S RED HAVEN LN DOVER, DE 19901 |
* | $ n/a | 5 | $ 835,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 5 | $ 1,115,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 5 | $ 1,085,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 1,220,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 900,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 960,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 4 | $ 410,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 4 | $ 830,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 235,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 685,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ n/a | 3 | $ 1,305,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 3 | $ 715,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 645,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 3 | $ 855,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ n/a | 3 | $ 1,285,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 335,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 525,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 445,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 565,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 3 | $ 445,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 505,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 3 | $ 655,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ n/a | 3 | $ 825,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 3 | $ 925,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 2 | $ 170,000 |
| America's First Federal CU 1200 4TH AVENUE NORTH BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 50,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 380,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 180,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 2 | $ 150,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 230,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 320,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 2 | $ 530,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 2 | $ 150,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 370,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 2 | $ 340,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ n/a | 2 | $ 300,000 |
| Family Savings Credit Union 711 E MEIGHAN BLVD RAINBOW CITY, AL 35906 |
* | $ n/a | 2 | $ 570,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 520,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 190,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ n/a | 1 | $ 105,000 |
| Noblebank & Trust 1509 QUINTARD AVE ANNISTON, AL 36201 |
* | $ n/a | 1 | $ 145,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ n/a | 1 | $ 255,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 185,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 335,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ n/a | 1 | $ 325,000 |
| Strong Home Mortgage, LLC 9408 GRANT AVENUE SUITE 302 MANASSAS, VA 20110 |
* | $ n/a | 1 | $ 375,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ n/a | 1 | $ 635,000 |
| Direct Lenders, Llc. 1600 KENNESAW DUE WEST ROAD SUITE 610 KENNESAW, GA 30152 |
* | $ n/a | 1 | $ 215,000 |
| Farmers and Merchants Bank 112 E LADIGA STREET PIEDMONT, AL 36272 |
* | $ n/a | 1 | $ 235,000 |
| United Bank PO BOX 1337 ZEBULON, GA 30295 |
* | $ n/a | 1 | $ 415,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 55,000 |
| Kinetic Credit Union 1251 13TH STREET COLUMBUS, GA 31901 |
* | $ n/a | 1 | $ 95,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ n/a | 1 | $ 295,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 1 | $ 55,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 1,005,000 |
| Metro Bank 800 MARTIN ST S PELL CITY, AL 35128 |
* | $ n/a | 1 | $ 65,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ n/a | 1 | $ 355,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 25,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 155,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 315,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 55,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 365,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 465,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 1 | $ 305,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ n/a | 1 | $ 65,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 355,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 765,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 115,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ n/a | 1 | $ 345,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ n/a | 1 | $ 265,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 185,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 235,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 175,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 215,000 |
| All in Credit Union 238 VIRGINIA AVENUE DALEVILLE, AL 36322 |
* | $ n/a | 1 | $ 45,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 855,000 |
| Emblem Credit Union 702 WALNUT ST GADSDEN, AL 35901 |
* | $ n/a | 1 | $ 755,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 585,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 1 | $ 215,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 175,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 85,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 155,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 235,000 |
| American Bancshares Mortgage, LLC 14261 COMMERCE WAY SUITE 100 MIAMI LAKES, FL 33016 |
* | $ n/a | 1 | $ 265,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 1 | $ 345,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 155,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ n/a | 1 | $ 465,000 |
| Presidential Bank, FSB 4600 EAST WEST HIGHWAY, SUITE 400 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 315,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 165,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 565,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 215,000 |
| Banksouth Mortgage Company LLC 6340 LAKE OCONEE PARKWAY SUITE 202 GREENSBORO, GA 30642 |
* | $ n/a | 1 | $ 465,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ n/a | 1 | $ 425,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2024 mortgage applications in Randolph County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Randolph County, AL in 2024
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 | 505 | $107,075,000 | $212,000 | $2,485,000 | $106,000 | $1,033,000 |
| Cash-out Refinancing | 135 | $26,655,000 | $197,000 | $855,000 | $96,000 | $1,341,000 |
| Refinancing | 88 | $19,990,000 | $227,000 | $765,000 | $109,000 | $626,000 |
| Other Purpose | 76 | $7,920,000 | $104,000 | $1,005,000 | $136,000 | $946,000 |
| Home Improvement | 37 | $4,115,000 | $111,000 | $505,000 | $112,000 | $419,000 |
| 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 | 590 | $119,930,000 | $203,000 | $2,485,000 | $111,000 | $1,033,000 |
| Not applicable | 79 | $18,735,000 | $237,000 | $855,000 | $74,000 | $74,000 |
| Not Provided | 74 | $14,410,000 | $194,000 | $855,000 | $135,000 | $1,341,000 |
| Black or African American | 65 | $7,805,000 | $120,000 | $375,000 | $58,000 | $194,000 |
| Hispanic | 19 | $2,555,000 | $134,000 | $395,000 | $112,000 | $316,000 |
| Asian | 11 | $1,975,000 | $179,000 | $325,000 | $88,000 | $179,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $85,000 | $106,000 | $129,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $57,000 | $57,000 |
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) | 587 | $110,605,000 | $188,000 | $2,485,000 | $119,000 | $1,341,000 |
| FHA-insured (Federal Housing Administration) | 162 | $33,320,000 | $205,000 | $495,000 | $73,000 | $308,000 |
| VA-guaranteed (Veterans Administration) | 61 | $16,065,000 | $263,000 | $855,000 | $94,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $5,765,000 | $185,000 | $275,000 | $72,000 | $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 | 365 | $84,355,000 | $231,000 | $2,485,000 | $129,000 | $1,033,000 |
| Application Denied By Financial Institution | 177 | $23,615,000 | $133,000 | $505,000 | $78,000 | $1,341,000 |
| Application Withdrawn By Applicant | 83 | $17,645,000 | $212,000 | $1,325,000 | $103,000 | $432,000 |
| File Closed For Incompleteness | 80 | $11,120,000 | $139,000 | $545,000 | $85,000 | $419,000 |
| Loan Purchased By The Institution | 80 | $19,220,000 | $240,000 | $855,000 | $91,000 | $142,000 |
| Application Approved But Not Accepted | 54 | $9,240,000 | $171,000 | $615,000 | $116,000 | $476,000 |
| Preapproval Approved but not Accepted | 1 | $305,000 | $305,000 | $305,000 | $114,000 | $114,000 |
| Preapproval Denied by Financial Institution | 1 | $255,000 | $255,000 | $255,000 | $145,000 | $145,000 |
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 | 598 | $131,860,000 | $220,000 | $2,485,000 | $116,000 | $1,033,000 |
| Debt-To-Income Ratio | 109 | $15,785,000 | $144,000 | $845,000 | $99,000 | $789,000 |
| Credit History | 66 | $8,480,000 | $128,000 | $505,000 | $91,000 | $1,341,000 |
| Collateral | 22 | $3,170,000 | $144,000 | $345,000 | $78,000 | $258,000 |
| Credit Application Incomplete | 19 | $2,105,000 | $110,000 | $315,000 | $100,000 | $300,000 |
| Other | 12 | $2,330,000 | $194,000 | $325,000 | $99,000 | $145,000 |
| Unverifiable Information | 7 | $1,295,000 | $185,000 | $425,000 | $74,000 | $175,000 |
| Employment History | 4 | $350,000 | $87,000 | $135,000 | $48,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $380,000 | $95,000 | $195,000 | $87,000 | $139,000 |
| 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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