Ravalli County, MT Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 2,512 mortgage applications in Ravalli County, MT totaling $600.7 million, up 22% from 2018. The average application was for $239,000, and applicants reported an average income of $96,000. 52% of applications resulted in an originated loan and 12% were denied. The most active lender was Glacier Bank, with 216 applications, followed by Wells Fargo Bank NA and Opportunity Bank of Montana.

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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 2,512
Total Mortgage Loan Application Amount $600,660,000
Average Mortgage Loan Application Amount $239,000
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $96,000
Highest Applicant Income $2,202,000

Mortgage Company List for Lending in Ravalli County, MT for 2019

* 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
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 12,102,845,000 216 $ 43,460,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 163 $ 40,175,000
Opportunity Bank of Montana
1400 PROSPECT AVE
HELENA, MT 59601
* $ 843,686,000 152 $ 37,960,000
Stockman Bank of Montana
700 MAIN STREET
MILES CITY, MT 59301
* $ 3,648,810,000 125 $ 24,375,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 124 $ 21,230,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 116 $ 29,140,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 114 $ 27,670,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59116
* $ 13,239,925,000 97 $ 22,035,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 95 $ 24,055,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 88 $ 22,810,000
Trailwest Bank
PO BOX 9
LOLO, MT 59847
* $ 571,880,000 81 $ 17,435,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 51 $ 11,875,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 42 $ 9,630,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 35 $ 8,915,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 34 $ 9,930,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 32 $ 1,780,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 32 $ 9,860,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 27 $ 8,325,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 26 $ 7,100,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 25 $ 7,305,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 25 $ 5,395,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 22 $ 5,780,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 20 $ 5,600,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 20 $ 5,490,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 19 $ 4,285,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 19 $ 4,785,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 18 $ 4,590,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 17 $ 4,995,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 17 $ 3,305,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 16 $ 4,310,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 15 $ 5,505,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 15 $ 4,025,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 15 $ 4,495,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 14 $ 3,490,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 13 $ 4,785,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,056,461,000 13 $ 1,215,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 12 $ 2,520,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 12 $ 2,560,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 12 $ 2,600,000
Park Side Credit Union
4055 BROOKS ST. SUITE C
WHITEFISH, MT 59937
* $ 236,910,000 11 $ 2,265,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 2,515,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 1,505,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 2,490,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 10 $ 2,240,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 10 $ 3,100,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 9 $ 1,965,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 2,235,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 8 $ 2,130,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 820,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 8 $ 1,980,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 8 $ 770,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,525,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 7 $ 1,645,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 7 $ 1,805,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 26,903,465,000 7 $ 2,185,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 1,920,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 6 $ 1,930,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 6 $ 2,500,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 1,175,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 5 $ 1,655,000
Rocky Mountain Bank
2615 KING AVE WEST
BILLINGS, MT 59102
* $ 490,453,000 5 $ 265,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 5 $ 1,725,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 5 $ 1,905,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 664,284,000 5 $ 1,825,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 5 $ 1,665,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 4 $ 560,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 590,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 4 $ 840,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 520,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 4 $ 710,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 4 $ 1,130,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 4 $ 1,220,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 575,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 3 $ 1,165,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 3 $ 1,925,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 3 $ 795,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 1,055,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 3 $ 665,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 3 $ 865,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 895,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 3 $ 795,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 750,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,798,459,000 2 $ 190,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 640,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 640,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 140,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 640,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 510,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 2 $ 700,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 297,303,000 2 $ 420,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 2 $ 500,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 2 $ 490,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 770,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 2 $ 320,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 2 $ 340,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 490,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 2 $ 1,000,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 2 $ 490,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 2 $ 270,000
Universal Lending Corporation
6430 S FIDDLERS GREEN CIR STE 460
GREENWOOD VILLAGE, CO 80111
* $ -1,000 2 $ 410,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 370,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 630,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 1 $ 315,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 85,222,000 1 $ 255,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 215,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 85,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 99,205,204,000 1 $ 655,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 945,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,029,298,000 1 $ 305,000
Pacific Service Credit Union
3000 CLAYTON ROAD
CONCORD, CA 94520
* $ 1,153,544,000 1 $ 55,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 1 $ 405,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 385,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 245,000
First Montana Bank
201 N HIGGINS AVE
MISSOULA, MT 59802
* $ 308,281,000 1 $ 235,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 465,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 1 $ 115,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 305,000
Billings Federal Credit Union
2522 4TH AVE N
BILLINGS, MT 59103
* $ 148,207,000 1 $ 455,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 435,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 175,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 95,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 185,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 829,051,000 1 $ 225,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 235,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 1 $ 65,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 1,380,524,000 1 $ 75,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 225,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 375,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 185,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 235,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ 548,804,000 1 $ 95,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 578,076,000 1 $ 25,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 8,514,086,000 1 $ 825,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ 1,250,076,000 1 $ 115,000
Truwest Credit Union
1667 N PRIEST DR
TEMPE, AZ 85284
* $ 1,152,659,000 1 $ 155,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 820,261,000 1 $ 255,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 255,000
American Mortgage Bank
3401 NW 63RD SUITE 620
OKLAHOMA CITY, OK 73116
* $ -1,000 1 $ 535,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 245,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 1 $ 255,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,483,865,000 1 $ 295,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 8,516,051,000 1 $ 535,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 1 $ 295,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 295,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 255,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 1 $ 305,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 11,226,544,000 1 $ 105,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 485,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 532,730,000 1 $ 425,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 12,915,178,000 1 $ 285,000
Montana Federal Credit Union
15 14TH STREET SOUTH
GREAT FALLS, MT 59401
* $ 240,511,000 1 $ 255,000
Accelerate Mortgage, LLC
750 PRIDES CROSSING #303
NEWARK, DE 19713
* $ -1,000 1 $ 285,000
American State Bank
1116 TROUP HWY
ARP, TX 75701
* $ 287,116,000 1 $ 2,805,000
Cornerstone Bank
P. O. BOX 169
WATONGA, OK 73772
* $ 206,992,000 1 $ 305,000
Embark
1500 RIVER DRIVE NORTH
GREAT FALLS, MT 59401
* $ 104,767,000 1 $ 175,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 475,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 405,000

The tables below break down 2019 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 2019

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 1,172 $307,760,000 $262,000 $1,695,000 $102,000 $2,137,000
Cash-out Refinancing 542 $135,700,000 $250,000 $2,805,000 $81,000 $2,202,000
Refinancing 532 $129,650,000 $243,000 $945,000 $92,000 $1,406,000
Other Purpose 137 $14,545,000 $106,000 $625,000 $109,000 $660,000
Home Improvement 111 $8,835,000 $79,000 $485,000 $102,000 $406,000
Not Applicable 18 $4,170,000 $231,000 $675,000 $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 1,886 $442,570,000 $234,000 $2,805,000 $96,000 $2,202,000
Not applicable 297 $77,955,000 $262,000 $1,695,000 $101,000 $897,000
Not Provided 259 $66,245,000 $255,000 $965,000 $96,000 $728,000
Hispanic 42 $7,730,000 $184,000 $385,000 $65,000 $175,000
American Indian or Alaskan Native 16 $4,120,000 $257,000 $465,000 $68,000 $169,000
Black or African American 4 $760,000 $190,000 $345,000 $86,000 $124,000
Asian 3 $585,000 $195,000 $415,000 $55,000 $104,000
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) 1,769 $408,185,000 $230,000 $2,805,000 $103,000 $2,202,000
VA-guaranteed (Veterans Administration) 408 $119,380,000 $292,000 $745,000 $74,000 $400,000
FHA-insured (Federal Housing Administration) 272 $59,420,000 $218,000 $615,000 $77,000 $1,407,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 63 $13,675,000 $217,000 $345,000 $60,000 $95,000

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 1,303 $315,165,000 $241,000 $2,805,000 $102,000 $2,202,000
Loan Purchased By The Institution 411 $106,795,000 $259,000 $945,000 $97,000 $897,000
Application Withdrawn By Applicant 362 $88,400,000 $244,000 $1,045,000 $98,000 $1,407,000
Application Denied By Financial Institution 312 $59,920,000 $192,000 $965,000 $70,000 $420,000
File Closed For Incompleteness 94 $23,400,000 $248,000 $545,000 $82,000 $328,000
Application Approved But Not Accepted 30 $6,980,000 $232,000 $465,000 $98,000 $577,000
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 2,107 $517,785,000 $245,000 $1,695,000 $98,000 $2,137,000
Debt-To-Income Ratio 206 $45,170,000 $219,000 $2,805,000 $91,000 $2,202,000
Credit History 68 $11,250,000 $165,000 $485,000 $81,000 $420,000
Collateral 55 $11,155,000 $202,000 $965,000 $82,000 $280,000
Other 31 $5,705,000 $184,000 $425,000 $59,000 $162,000
Credit Application Incomplete 19 $4,815,000 $253,000 $565,000 $80,000 $314,000
Unverifiable Information 18 $2,840,000 $157,000 $405,000 $71,000 $163,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,365,000 $273,000 $515,000 $99,000 $200,000
Employment History 3 $575,000 $191,000 $315,000 $63,000 $101,000
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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