Ravalli County, MT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 2,120 mortgage applications in Ravalli County, MT totaling $477.8 million, down 12% from 2016. The average application was for $225,000, and applicants reported an average income of $75,000. 52% of applications resulted in an originated loan and 13% were denied. The most active lender was Farmers State Bank, with 177 applications, followed by Opportunity Bank of Montana 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 | 2,120 |
| Total Mortgage Loan Application Amount | $477,778,000 |
| Average Mortgage Loan Application Amount | $225,000 |
| Highest Mortgage Loan Application Amount | $6,860,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,230,000 |
* 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 |
|---|---|---|---|---|
| Farmers State Bank 103 MAIN STREET VICTOR VICTOR, MT 59875 |
* | $ 364,715,000 | 177 | $ 34,097,000 |
| Opportunity Bank of Montana 1400 PROSPECT AVE HELENA, MT 59601 |
* | $ 668,242,000 | 161 | $ 35,759,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 127 | $ 30,391,000 |
| Glacier Bank 202 MAIN KALISPELL, MT 59901 |
* | $ 9,433,163,000 | 116 | $ 28,714,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 108 | $ 24,102,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 91 | $ 18,679,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 9,038,469,000 | 85 | $ 26,277,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 81 | $ 15,705,000 |
| Trailwest Bank PO BOX 9 LOLO, MT 59847 |
* | $ 441,600,000 | 78 | $ 15,170,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,497,697,000 | 69 | $ 15,736,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 59 | $ 11,232,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 53 | $ 11,469,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 53 | $ 11,550,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 44 | $ 9,930,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 41 | $ 8,406,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 36 | $ 7,108,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 34 | $ 7,889,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 33 | $ 7,370,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,229,259,000 | 31 | $ 6,438,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 29 | $ 5,345,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 28 | $ 5,866,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 28 | $ 6,619,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 26 | $ 7,637,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 23 | $ 5,321,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 21 | $ 4,966,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 20 | $ 3,624,000 |
| Rocky Mountain Bank 2615 KING AVE WEST BILLINGS, MT 59102 |
* | $ 477,063,000 | 18 | $ 3,668,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 16 | $ 3,393,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 15 | $ 3,379,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 3,257,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 14 | $ 4,271,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 3,170,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 11 | $ 2,309,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,186,502,000 | 10 | $ 1,722,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 10 | $ 1,775,000 |
| Park Side Credit Union 4055 BROOKS ST. SUITE C WHITEFISH, MT 59937 |
* | $ 215,651,000 | 9 | $ 2,184,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 9 | $ 2,036,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 9 | $ 1,685,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 8 | $ 2,695,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 8 | $ 2,224,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 1,083,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 8 | $ 2,204,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 7 | $ 1,634,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 7 | $ 1,129,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 1,209,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 6 | $ 993,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 1,210,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 5 | $ 1,164,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 1,157,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 1,284,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 839,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 380,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 0 | 3 | $ 1,240,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 654,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 405,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,688,730,000 | 3 | $ 505,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 3 | $ 1,175,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 3 | $ 758,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 3 | $ 565,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 3 | $ 709,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 3 | $ 306,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 458,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 3 | $ 927,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 3 | $ 432,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 652,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 3 | $ 764,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 3 | $ 823,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 3 | $ 823,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 487,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 175,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ -1,000 | 2 | $ 331,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 465,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 2 | $ 363,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 2 | $ 85,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 522,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 357,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 299,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 2 | $ 376,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 680,000 |
| Mount Olympus Mortgage Company 2600 MICHELSON DR., #250 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 404,000 |
| Billings Federal Credit Union 2522 4TH AVE N BILLINGS, MT 59103 |
* | $ 132,951,000 | 2 | $ 402,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 2 | $ 479,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 52,958,000,000 | 2 | $ 7,175,000 |
| The Bank of Commerce 3113 SOUTH 25TH EAST AMMON, ID 83406 |
* | $ 1,097,757,000 | 2 | $ 510,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 2 | $ 1,070,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 42,000 |
| Horizon Credit Union 13224 E MANSFIELD AVE SPOKANE VALLEY, WA 99216 |
* | $ 908,343,000 | 2 | $ 627,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 1 | $ 684,000 |
| Columbia Bank 5885 MEADOWS RD SUITE 400 LAKE OSWEGO, OR 97035 |
* | $ 24,798,295,000 | 1 | $ 305,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 30,000 |
| Embark 1500 RIVER DRIVE NORTH GREAT FALLS, MT 59401 |
* | $ 99,223,000 | 1 | $ 312,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 175,715,000,000 | 1 | $ 542,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 228,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 3,027,664,000 | 1 | $ 270,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 165,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 148,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 1 | $ 100,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 1,322,280,000 | 1 | $ 230,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 298,000 |
| Sofi Mortgage, LLC 6175 MAIN STREET, SUITE 490 FRISCO, TX 75034 |
* | $ 0 | 1 | $ 100,000 |
| Goldman Sachs Bank USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 159,116,000,000 | 1 | $ 1,960,000 |
| Numerica Credit Union 14610 E SPRAGUE AVE SPOKANE VALLEY, WA 99216 |
* | $ 1,801,924,000 | 1 | $ 175,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 1 | $ 190,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 96,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 160,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 1 | $ 40,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 238,000 |
| Firefighters First Federal Credit Union 815 COLORADO BLVD PASADENA, CA 91105 |
* | $ 1,150,785,000 | 1 | $ 110,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,121,439,000 | 1 | $ 232,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 1 | $ 205,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 263,000 |
| Global 1500 W 4TH AVE SPOKANE, WA 99201 |
* | $ 417,079,000 | 1 | $ 141,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 250,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 229,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 211,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 1 | $ 229,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 220,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 131,174,000 | 1 | $ 177,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 200,000 |
| Bank 34 500 EAST TENTH STREET ALAMOGORDO, NM 88310 |
* | $ 328,425,000 | 1 | $ 137,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 1 | $ 98,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 245,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 170,000 |
| Peoples National Bank 5175 N ACADEMY BLVD COLORADO SPRINGS, CO 80918 |
* | $ 415,360,000 | 1 | $ 195,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 96,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 174,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 257,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 820,095,000 | 1 | $ 251,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 40,287,450,000 | 1 | $ 175,000 |
The tables below break down 2017 mortgage applications in Ravalli County, MT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Ravalli County, MT in 2017
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 | 1,145 | $268,061,000 | $234,000 | $6,691,000 | $77,000 | $1,230,000 |
| Refinancing | 848 | $192,294,000 | $226,000 | $6,860,000 | $71,000 | $761,000 |
| Home Improvement | 127 | $17,423,000 | $137,000 | $715,000 | $74,000 | $300,000 |
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 | 1,577 | $352,422,000 | $223,000 | $6,691,000 | $84,000 | $1,230,000 |
| Not applicable | 339 | $76,483,000 | $225,000 | $1,700,000 | $31,000 | $604,000 |
| Not Provided | 141 | $34,642,000 | $245,000 | $6,860,000 | $78,000 | $550,000 |
| Hispanic | 37 | $8,880,000 | $240,000 | $620,000 | $67,000 | $153,000 |
| American Indian or Alaskan Native | 11 | $2,212,000 | $201,000 | $750,000 | $100,000 | $442,000 |
| Asian | 9 | $1,986,000 | $220,000 | $378,000 | $105,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $804,000 | $201,000 | $260,000 | $79,000 | $120,000 |
| Black or African American | 2 | $349,000 | $174,000 | $223,000 | $49,000 | $52,000 |
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) | 1,432 | $326,003,000 | $227,000 | $6,860,000 | $87,000 | $1,230,000 |
| VA-guaranteed (Veterans Administration) | 324 | $80,343,000 | $247,000 | $646,000 | $55,000 | $485,000 |
| FHA-insured (Federal Housing Administration) | 238 | $47,955,000 | $201,000 | $615,000 | $51,000 | $255,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 126 | $23,477,000 | $186,000 | $288,000 | $31,000 | $94,000 |
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 | 1,099 | $253,800,000 | $230,000 | $6,691,000 | $88,000 | $1,230,000 |
| Loan Purchased By The Institution | 394 | $86,633,000 | $219,000 | $631,000 | $40,000 | $604,000 |
| Application Denied By Financial Institution | 277 | $61,843,000 | $223,000 | $6,860,000 | $70,000 | $485,000 |
| Application Withdrawn By Applicant | 211 | $46,127,000 | $218,000 | $750,000 | $79,000 | $442,000 |
| Application Approved But Not Accepted | 79 | $17,280,000 | $218,000 | $1,221,000 | $78,000 | $281,000 |
| File Closed For Incompleteness | 60 | $12,095,000 | $201,000 | $420,000 | $66,000 | $250,000 |
| 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 | 43 | $8,603,000 | $200,000 | $520,000 | $68,000 | $412,000 |
| Credit History | 37 | $5,139,000 | $138,000 | $350,000 | $67,000 | $141,000 |
| Collateral | 25 | $6,318,000 | $252,000 | $1,310,000 | $92,000 | $337,000 |
| Credit Application Incomplete | 15 | $3,080,000 | $205,000 | $536,000 | $100,000 | $485,000 |
| Other | 11 | $8,305,000 | $755,000 | $6,860,000 | $70,000 | $183,000 |
| Unverifiable Information | 9 | $2,843,000 | $315,000 | $715,000 | $85,000 | $196,000 |
| Employment History | 2 | $371,000 | $185,000 | $228,000 | $58,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $103,000 | $103,000 | $103,000 | $41,000 | $41,000 |
| 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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