Ray County, MO Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 992 mortgage applications in Ray County, MO totaling $113.7 million, down 4% from 2010. The average application was for $114,000, and applicants reported an average income of $57,000. 44% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 113 applications, followed by Bank of America NA and Nbh Bank, N.A..
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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 | 992 |
| Total Mortgage Loan Application Amount | $113,730,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $2,130,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $390,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 113 | $ 12,008,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 81 | $ 8,742,000 |
| Nbh Bank, N.A. 1111 MAIN, SUITE 2700 KANSAS CITY, MO 64105 |
* | $ 3,374,340,000 | 78 | $ 6,357,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 56 | $ 7,175,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 41 | $ 6,185,000 |
| Community Bank of Missouri 904 WALTON WAY RICHMOND, MO 64085 |
* | $ 52,758,000 | 40 | $ 3,674,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 37 | $ 4,030,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 24 | $ 3,055,000 |
| Central Missouri Community Credit Union 620 N MAGUIRE WARRENSBURG, MO 64093 |
* | $ 62,283,000 | 23 | $ 1,572,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 21 | $ 2,680,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 21 | $ 2,574,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 20 | $ 2,399,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 14 | $ 860,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 13 | $ 1,602,000 |
| Bankers Mortgage Corporation 7500 COLLEGE BOULEVARD, SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 13 | $ 1,807,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 12 | $ 1,728,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 12 | $ 1,248,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 12 | $ 1,193,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 11 | $ 1,464,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 11 | $ 1,296,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 11 | $ 1,217,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 11 | $ 1,464,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 8 | $ 1,378,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 10,684,654,000 | 8 | $ 838,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,466,563,000 | 8 | $ 418,000 |
| Goppert Financial Bank P.O. BOX 606 LATHROP, MO 64465 |
* | $ 68,803,000 | 8 | $ 716,000 |
| Lawson Bank 401 N. PENNSYLVANIA AVE. LAWSON, MO 64062 |
* | $ 118,821,000 | 8 | $ 325,000 |
| First Community Bank 301 SE MAIN STREET LEES SUMMIT, MO 64063 |
* | $ 611,660,000 | 8 | $ 827,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 7 | $ 1,251,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 1,094,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 7 | $ 953,000 |
| Community Mortgage, LLC 19045 E. VALLEY VIEW PKWY., STE. F INDEPENDENCE, MO 64055 |
* | $ 512,000 | 6 | $ 528,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 833,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 6 | $ 568,000 |
| B & L Bank 205 S. 13TH ST. LEXINGTON, MO 64067 |
* | $ 150,818,000 | 6 | $ 371,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 5 | $ 664,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 5 | $ 801,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 5 | $ 630,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 5 | $ 509,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 5 | $ 675,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 5 | $ 614,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 675,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 4 | $ 378,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 609,000 |
| Firstrust Mortgage, Inc 6710 W. 121ST STREET OVERLAND PARK, KS 66209 |
* | $ 6,198,000 | 4 | $ 511,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 4 | $ 372,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 59,517,025,000 | 4 | $ 796,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 4 | $ 428,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 596,000 |
| United Consumers Credit Union 1111 E 23RD ST S INDEPENDENCE, MO 64055 |
* | $ 111,196,000 | 4 | $ 188,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 4 | $ 542,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 4 | $ 636,000 |
| Farmers State Bank 124 E 3RD ST. CAMERON, MO 64429 |
* | $ 168,259,000 | 4 | $ 548,000 |
| Lead Bank 200 N 3RD ST GARDEN CITY, MO 64747 |
* | $ 84,860,000 | 4 | $ 380,000 |
| Kearney Trust Company 310 W. 92 HIGHWAY KEARNEY, MO 64060 |
* | $ 132,056,000 | 3 | $ 105,000 |
| Kcb Bank 950 W 92 HWY KEARNEY, MO 64060 |
* | $ 154,392,000 | 3 | $ 368,000 |
| Central Bank of the Midwest 609 N. HIGHWAY 291 LEE'S SUMMIT, MO 64063 |
* | $ 1,187,452,000 | 3 | $ 381,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 3 | $ 320,000 |
| Clay County Savings Bank 1178 W KANSAS LIBERTY, MO 64068 |
* | $ 96,707,000 | 3 | $ 333,000 |
| Bankliberty 16 W FRANKLIN LIBERTY, MO 64068 |
* | $ 441,482,000 | 3 | $ 594,000 |
| Platte Valley Bank of Missouri PO BOX 1250 PLATTE CITY, MO 64079 |
* | $ 348,730,000 | 3 | $ 2,436,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 3 | $ 437,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 24,055,290,000 | 3 | $ 331,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 19,413,461,000 | 3 | $ 78,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 289,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 3 | $ 296,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 393,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 439,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 213,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 2 | $ 283,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 2 | $ 182,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 11,967,632,000 | 2 | $ 71,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Citizens Bank, N.A. 200 S. MAIN, P O BOX 899 FORT SCOTT, KS 66701 |
* | $ 277,733,000 | 2 | $ 281,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 133,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 2 | $ 322,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 2 | $ 203,000 |
| Bank Northwest 201 S DAVIS HAMILTON, MO 64644 |
* | $ 102,789,000 | 2 | $ 156,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,529,914,000 | 2 | $ 360,000 |
| Southern Missouri Bank of Marshfield PO BOX M 1292 BANNING ST MARSHFIELD, MO 65706 |
* | $ 104,532,000 | 2 | $ 313,000 |
| 1st Midamerica Credit Union 731 E. BETHALTO DR BETHALTO, IL 62010 |
* | $ 427,273,000 | 2 | $ 296,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 332,000 |
| Pony Express Bank 213 MAIN ST BRAYMER, MO 64624 |
* | $ 130,810,000 | 2 | $ 332,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 373,638,000 | 2 | $ 213,000 |
| Hawthorn Bank 132 E. HIGH STREET JEFFERSON CITY, MO 65101 |
* | $ 1,182,218,000 | 1 | $ 70,000 |
| Connections Bank PO BOX 380 PLATTE CITY, MO 64079 |
* | $ 86,909,000 | 1 | $ 35,000 |
| Merchants & Farmers Bank 507 N WEBER SALISBURY, MO 65281 |
* | $ 103,812,000 | 1 | $ 70,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 7,352,931,000 | 1 | $ 75,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 721,298,000 | 1 | $ 134,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 72,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 29,000 |
| Midwest Heritage Bank FSB 3580 EP TRUE PKWY, STE 100 WEST DES MOINES, IA 50265 |
* | $ 143,880,000 | 1 | $ 80,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 92,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,420,764,000 | 1 | $ 91,000 |
| Oakstar Bank, NA 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 166,520,000 | 1 | $ 56,000 |
| Hometown Bank, National Association PO BOX 797 CARTHAGE, MO 64836 |
* | $ 198,226,000 | 1 | $ 160,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,813,409,000 | 1 | $ 113,000 |
| Heartland Bank 212 SOUTH CENTRAL ST. LOUIS, MO 63105 |
* | $ 889,445,000 | 1 | $ 151,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 385,490,000 | 1 | $ 186,000 |
| Mainstreet Federal Credit Unio 13001 W 95TH STREET LENEXA, KS 66215 |
* | $ 263,361,000 | 1 | $ 31,000 |
| Assemblies of God Credit Union 1535 N CAMPBELL AVE SPRINGFIELD, MO 65803 |
* | $ 108,406,000 | 1 | $ 136,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 161,000 |
| Dundee Mortgage LLC 5015 UNDERWOOD AVENUE OMAHA, NE 68132 |
* | $ 112,198,000 | 1 | $ 151,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 3,409,826,000 | 1 | $ 155,000 |
| Liberty Bank 4625 S. NATIONAL SPRINGFIELD, MO 65810 |
* | $ 973,204,000 | 1 | $ 190,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 122,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 1 | $ 64,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 44,975,270,000 | 1 | $ 156,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 243,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 105,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 257,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 5,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,797,006,000 | 1 | $ 61,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 194,000 |
| The Mortgage Company 7343 S ALTON WAY STE 150 CENTENNIAL, CO 80112 |
* | $ 5,768,000 | 1 | $ 154,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 227,000 |
| Paramount Bond & Mortgage Co., Inc. 622 EMERSON RD SUITE 325 SAINT LOUIS, MO 63141 |
* | $ 29,655,000 | 1 | $ 160,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 75,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 198,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 105,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 77,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 2,008,776,000 | 1 | $ 40,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 1 | $ 62,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 185,000 |
The tables below break down 2011 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 2011
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 | 683 | $84,318,000 | $123,000 | $2,130,000 | $60,000 | $390,000 |
| Home Purchase | 255 | $26,982,000 | $105,000 | $332,000 | $49,000 | $148,000 |
| Home Improvement | 54 | $2,430,000 | $45,000 | $199,000 | $56,000 | $176,000 |
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 | 792 | $86,846,000 | $109,000 | $540,000 | $61,000 | $390,000 |
| Not Provided | 94 | $11,548,000 | $122,000 | $332,000 | $59,000 | $205,000 |
| Not applicable | 90 | $13,081,000 | $145,000 | $2,130,000 | $14,000 | $135,000 |
| Hispanic | 7 | $874,000 | $124,000 | $199,000 | $93,000 | $246,000 |
| American Indian or Alaskan Native | 5 | $795,000 | $159,000 | $317,000 | $94,000 | $270,000 |
| Black or African American | 2 | $366,000 | $183,000 | $257,000 | $61,000 | $122,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $120,000 | $120,000 | $120,000 | $72,000 | $72,000 |
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) | 643 | $70,730,000 | $110,000 | $2,130,000 | $62,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 246 | $29,051,000 | $118,000 | $262,000 | $46,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $6,485,000 | $124,000 | $276,000 | $45,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 51 | $7,464,000 | $146,000 | $264,000 | $57,000 | $228,000 |
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 | 438 | $49,195,000 | $112,000 | $2,130,000 | $61,000 | $390,000 |
| Loan Purchased By The Institution | 201 | $24,591,000 | $122,000 | $276,000 | $38,000 | $141,000 |
| Application Denied By Financial Institution | 192 | $19,604,000 | $102,000 | $301,000 | $59,000 | $228,000 |
| Application Withdrawn By Applicant | 92 | $11,319,000 | $123,000 | $345,000 | $61,000 | $253,000 |
| Application Approved But Not Accepted | 41 | $4,689,000 | $114,000 | $417,000 | $61,000 | $219,000 |
| File Closed For Incompleteness | 28 | $4,332,000 | $154,000 | $540,000 | $79,000 | $217,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 54 | $4,336,000 | $80,000 | $264,000 | $62,000 | $200,000 |
| Collateral | 49 | $5,879,000 | $119,000 | $301,000 | $74,000 | $228,000 |
| Debt-To-Income Ratio | 18 | $1,914,000 | $106,000 | $209,000 | $48,000 | $82,000 |
| Other | 17 | $1,514,000 | $89,000 | $207,000 | $51,000 | $101,000 |
| Credit Application Incomplete | 11 | $1,400,000 | $127,000 | $260,000 | $40,000 | $129,000 |
| Employment History | 3 | $179,000 | $59,000 | $93,000 | $44,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $119,000 | $59,000 | $74,000 | $20,000 | $26,000 |
| Unverifiable Information | 1 | $260,000 | $260,000 | $260,000 | $194,000 | $194,000 |
| 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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