Ray County, MO Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,037 mortgage applications in Ray County, MO totaling $121.8 million, down 31% from 2009. The average application was for $117,000, and applicants reported an average income of $54,000. 41% of applications resulted in an originated loan and 19% were denied. The most active lender was Bank of America, N.A., with 133 applications, followed by Wells Fargo Bank, NA and JPMorgan Chase 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 | 1,037 |
| Total Mortgage Loan Application Amount | $121,759,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $379,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $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 |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 133 | $ 15,896,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 92 | $ 10,211,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 72 | $ 8,422,000 |
| Community Bank of Missouri 904 WALTON WAY RICHMOND, MO 64085 |
* | $ 65,592,000 | 47 | $ 4,515,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 45 | $ 6,084,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 38 | $ 5,048,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 32 | $ 3,963,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 26 | $ 3,232,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 23 | $ 3,144,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 23 | $ 3,140,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 23 | $ 2,784,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 19 | $ 2,423,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 17 | $ 1,862,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 10,000,000 | 17 | $ 2,197,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 17 | $ 1,780,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 15 | $ 1,857,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 15 | $ 1,903,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 12 | $ 1,945,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 12 | $ 1,776,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 11 | $ 1,301,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 10 | $ 855,000 |
| Lawson Bank 401 N. PENNSYLVANIA AVE. LAWSON, MO 64062 |
* | $ 111,266,000 | 10 | $ 588,000 |
| Farmers State Bank 124 E 3RD ST. CAMERON, MO 64429 |
* | $ 160,129,000 | 10 | $ 1,315,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 10 | $ 1,301,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 9 | $ 970,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 8 | $ 1,134,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 8 | $ 1,278,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 8 | $ 926,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 8 | $ 1,091,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 7 | $ 982,000 |
| B & L Bank 205 S. 13TH LEXINGTON, MO 64067 |
* | $ 146,839,000 | 7 | $ 400,000 |
| First Community Bank 301 SE MAIN STREET LEES SUMMIT, MO 64063 |
* | $ 599,643,000 | 6 | $ 728,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 6 | $ 128,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 6 | $ 111,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 985,000 |
| Pulaski Bank 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,432,510,000 | 6 | $ 490,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 6 | $ 742,000 |
| Firstrust Mortgage, Inc 6710 W. 121ST STREET OVERLAND PARK, KS 66209 |
* | $ 6,198,000 | 6 | $ 732,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 645,000 |
| Central Missouri Community Credit Union 620 N MAGUIRE WARRENSBURG, MO 64093 |
* | $ 59,750,000 | 5 | $ 350,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 699,000 |
| Megastar Financial 1080 CHEROKEE ST DENVER, CO 80204 |
* | $ 10,000,000 | 5 | $ 567,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 572,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 5 | $ 369,000 |
| UMB Bank, NA 1008 OAK ST. KANSAS CITY, MO 64106 |
* | $ 10,219,530,000 | 5 | $ 372,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 264,000 |
| Kcb Bank 950 W 92 HWY KEARNEY, MO 64060 |
* | $ 143,379,000 | 5 | $ 604,000 |
| Commerce Bank, N.A. 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 17,958,713,000 | 5 | $ 63,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 5 | $ 319,000 |
| First Federal Bank, FSB 6900 N. EXECUTIVE DR. KANSAS CITY, MO 64120 |
* | $ 386,869,000 | 4 | $ 550,000 |
| Bank Northwest 201 S DAVIS HAMILTON, MO 64644 |
* | $ 99,083,000 | 4 | $ 241,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 4 | $ 739,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 4 | $ 418,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 4 | $ 563,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 708,191,000 | 4 | $ 430,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 478,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 4 | $ 542,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 337,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 3 | $ 319,000 |
| Mortgage Solutions of Co, LLC 5455 N UNION BLVD # 105 COLORADO SPRINGS, CO 80918 |
* | $ 10,000,000 | 3 | $ 521,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 3 | $ 348,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 315,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 833,054,000 | 3 | $ 450,000 |
| Central Bank of the Midwest 609 N. HIGHWAY 291 LEE'S SUMMIT, MO 64063 |
* | $ 1,011,482,000 | 3 | $ 228,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 3 | $ 398,000 |
| Bank of Odessa 301 W HIGHWAY 40 ODESSA, MO 64076 |
* | $ 241,771,000 | 3 | $ 201,000 |
| Lead Bank 200 N 3RD ST GARDEN CITY, MO 64747 |
* | $ 94,375,000 | 3 | $ 538,000 |
| Blue Ridge Bank and Trust Co. 4200 LITTLE BLUE PARKWAY INDEPENDENCE, MO 64057 |
* | $ 481,211,000 | 3 | $ 347,000 |
| First Bank of Missouri 7001 N. OAK STREET GLADSTONE, MO 64118 |
* | $ 487,882,000 | 3 | $ 183,000 |
| Clay County Savings Bank 1178 W KANSAS LIBERTY, MO 64068 |
* | $ 98,193,000 | 3 | $ 436,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 2 | $ 127,000 |
| Goppert Financial Bank P.O. BOX 606 LATHROP, MO 64465 |
* | $ 64,860,000 | 2 | $ 302,000 |
| First State Bank of St Charles 2850 WEST CLAY ST ST CHARLES, MO 63301 |
* | $ 186,823,000 | 2 | $ 209,000 |
| Platte Valley Bank of Missouri PO BOX 1250 PLATTE CITY, MO 64079 |
* | $ 325,032,000 | 2 | $ 250,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 343,272,000 | 2 | $ 125,000 |
| Arvest Bank Group 4500 SOUTH GARNETT SUIT 440 TULSA, OK 74146 |
* | $ 11,319,023,000 | 2 | $ 20,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 89,000 |
| Bank Midwest, N.A. 320 KANSAS AVE FORT LEAVENWORTH, KS 66027 |
* | $ 4,263,943,000 | 2 | $ 189,000 |
| First Missouri National Bank P.O. BOX 190 BROOKFIELD, MO 64628 |
* | $ 111,620,000 | 2 | $ 117,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 326,000 |
| Catalyst Lending, Inc. 6530 S YOSEMITE STREET, SUITE 310 GREENWOOD VILLAGE, CO 80111 |
* | $ 410,214,000 | 2 | $ 504,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 2 | $ 79,000 |
| Bankliberty 16 W FRANKLIN LIBERTY, MO 64068 |
* | $ 405,955,000 | 2 | $ 110,000 |
| Weststar Mortgage, Inc. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 247,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ 643,000,000 | 2 | $ 406,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 317,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 86,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 117,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 120,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 102,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 212,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Sm Federal Credit Union PO BOX 498 MISSION, KS 66201 |
* | $ 56,629,000 | 1 | $ 57,000 |
| Mainstreet Federal Credit Unio 13001 W 95TH STREET LENEXA, KS 66215 |
* | $ 240,749,000 | 1 | $ 101,000 |
| Mece Credit Union 2722 E MCCARTY JEFFERSON CITY, MO 65102 |
* | $ 92,576,000 | 1 | $ 87,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 275,000 |
| Best Mortgage, Inc 7001 N LOCUST GLADSTONE, MO 64118 |
* | $ 1,000,000,000 | 1 | $ 90,000 |
| Vinson Mortgage Group 12801 FLUSHING MEADOWS DR SUITE 100 SAINT LOUIS, MO 63131 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 166,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 103,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ 39,000,000 | 1 | $ 144,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 119,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 36,000 |
| Shelter Financial Bank 1817 W. BROADWAY COLUMBIA, MO 65218 |
* | $ 197,047,000 | 1 | $ 51,000 |
| Hometown Bank, National Association PO BOX 797 CARTHAGE, MO 64836 |
* | $ 236,189,000 | 1 | $ 250,000 |
| Bank of Kansas City P.O. BOX 2300 TULSA, OK 74192 |
* | $ 140,357,000 | 1 | $ 85,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 134,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 772,582,000 | 1 | $ 168,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 94,000 |
| Homeservices Lending, LLC A 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 284,000 |
| Capwest Mortgage Corporation 14231 METCALF AVE. STE. 200 OVERLAND PARK, KS 66223 |
* | $ 629,176,000 | 1 | $ 107,000 |
| Great Western Bank 35 1ST AVE NE WATERTOWN, SD 57201 |
* | $ 5,332,471,000 | 1 | $ 151,000 |
| The Hamilton Bank 111 NORTH DAVIS, P.O. BOX 127 HAMILTON, MO 64644 |
* | $ 48,945,000 | 1 | $ 40,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 1 | $ 112,000 |
| Connections Bank PO BOX 380 PLATTE CITY, MO 64079 |
* | $ 77,806,000 | 1 | $ 15,000 |
| Citizens Bank and Trust Company 7553 NW BARRY ROAD KANSAS CITY, MO 64153 |
* | $ 1,087,507,000 | 1 | $ 275,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 103,932,000 | 1 | $ 17,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 203,180,000 | 1 | $ 252,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 45,042,065,000 | 1 | $ 108,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 847,945,000 | 1 | $ 54,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 99,000 |
The tables below break down 2010 mortgage applications in Ray County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Ray County, MO in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 649 | $86,727,000 | $133,000 | $379,000 | $59,000 | $341,000 |
| Home Purchase | 327 | $32,036,000 | $97,000 | $272,000 | $44,000 | $189,000 |
| Home Improvement | 61 | $2,996,000 | $49,000 | $284,000 | $55,000 | $159,000 |
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 | 829 | $97,820,000 | $117,000 | $379,000 | $60,000 | $341,000 |
| Not Provided | 97 | $11,574,000 | $119,000 | $336,000 | $55,000 | $322,000 |
| Not applicable | 84 | $9,815,000 | $116,000 | $352,000 | $1,000 | $50,000 |
| Hispanic | 13 | $1,161,000 | $89,000 | $139,000 | $26,000 | $31,000 |
| American Indian or Alaskan Native | 7 | $844,000 | $120,000 | $343,000 | $50,000 | $150,000 |
| Black or African American | 6 | $482,000 | $80,000 | $154,000 | $53,000 | $105,000 |
| Asian | 1 | $63,000 | $63,000 | $63,000 | $20,000 | $20,000 |
| 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) | 558 | $62,910,000 | $112,000 | $379,000 | $63,000 | $341,000 |
| FHA-insured (Federal Housing Administration) | 383 | $46,978,000 | $122,000 | $277,000 | $44,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $6,721,000 | $106,000 | $212,000 | $43,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,150,000 | $156,000 | $266,000 | $51,000 | $190,000 |
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 | 425 | $48,920,000 | $115,000 | $379,000 | $65,000 | $341,000 |
| Loan Purchased By The Institution | 244 | $29,482,000 | $120,000 | $352,000 | $35,000 | $232,000 |
| Application Denied By Financial Institution | 200 | $22,875,000 | $114,000 | $343,000 | $54,000 | $228,000 |
| Application Withdrawn By Applicant | 99 | $11,392,000 | $115,000 | $336,000 | $50,000 | $166,000 |
| Application Approved But Not Accepted | 35 | $4,131,000 | $118,000 | $275,000 | $58,000 | $105,000 |
| File Closed For Incompleteness | 34 | $4,959,000 | $145,000 | $303,000 | $73,000 | $210,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 47 | $6,307,000 | $134,000 | $343,000 | $63,000 | $158,000 |
| Credit History | 43 | $3,740,000 | $86,000 | $272,000 | $52,000 | $190,000 |
| Debt-To-Income Ratio | 26 | $3,229,000 | $124,000 | $222,000 | $40,000 | $111,000 |
| Other | 18 | $2,051,000 | $113,000 | $274,000 | $60,000 | $228,000 |
| Credit Application Incomplete | 12 | $1,978,000 | $164,000 | $280,000 | $49,000 | $178,000 |
| Unverifiable Information | 4 | $606,000 | $151,000 | $273,000 | $77,000 | $180,000 |
| Employment History | 4 | $318,000 | $79,000 | $114,000 | $48,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $143,000 | $71,000 | $94,000 | $46,000 | $70,000 |
| 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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