Reno County, KS Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,715 mortgage applications in Reno County, KS totaling $272.9 million, up 24% from 2011. The average application was for $100,000, and applicants reported an average income of $66,000. 57% of applications resulted in an originated loan and 12% were denied. The most active lender was Heartland Credit Union, with 881 applications, followed by Wells Fargo Bank NA and Central Bank and Trust Co..

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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 2,715
Total Mortgage Loan Application Amount $272,885,000
Average Mortgage Loan Application Amount $100,000
Highest Mortgage Loan Application Amount $2,075,000
Average Applicant Income $66,000
Highest Applicant Income $1,431,000

Mortgage Company List for Lending in Reno County, KS for 2012

* 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
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 178,139,000 881 $ 75,431,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 349 $ 33,770,000
Central Bank and Trust Co.
700 EAST 30TH
HUTCHINSON, KS 67502
* $ 231,794,000 239 $ 29,119,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 90 $ 7,816,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 88 $ 12,875,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 83 $ 7,954,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 68 $ 7,539,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 67 $ 7,581,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 61 $ 7,704,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 49 $ 3,728,000
Envista Federal Credit Union
3626 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 221,366,000 47 $ 4,234,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 44 $ 3,995,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 38 $ 4,766,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 62,408,304,000 29 $ 2,476,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 25 $ 2,880,000
Bank of Kansas
524 N MAIN ST
SOUTH HUTCHINSON, KS 67501
* $ 329,955,000 25 $ 2,823,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 19 $ 2,053,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 17 $ 2,975,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 20,493,569,000 16 $ 867,000
Citizens Bank of Kansas, N.A.
300 N MAIN
KINGMAN, KS 67068
* $ 226,862,000 14 $ 1,094,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 13 $ 1,626,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 13 $ 1,199,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 13 $ 1,402,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 394,264,000 13 $ 1,885,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 13 $ 1,431,000
Kanza Bank
2233 N GREENWICH RD
WICHITA, KS 67226
* $ 203,086,000 11 $ 1,036,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 11 $ 1,080,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 10 $ 1,077,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,562,678,000 10 $ 920,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,733,783,000 9 $ 908,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 9 $ 1,133,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 8 $ 766,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 8 $ 886,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 549,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 7 $ 740,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 25,359,999,000 7 $ 1,716,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 7 $ 103,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 7 $ 484,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 7 $ 1,003,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 6 $ 467,000
First Bank of Newton
128 E BROADWAY
NEWTON, KS 67114
* $ 154,353,000 6 $ 510,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ 760,040,000 6 $ 408,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 6 $ 124,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,167,422,000 6 $ 873,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 6 $ 938,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 5 $ 336,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 562,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 534,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 5 $ 1,137,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 452,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 464,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 4 $ 644,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 4 $ 602,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 4 $ 204,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 554,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 4 $ 548,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 4 $ 1,036,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 4 $ 308,000
First National Bank of So Ks
6206 N. 247TH STREET W.
ANDALE, KS 67001
* $ 61,264,000 4 $ 507,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 4 $ 451,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 4 $ 500,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 4 $ 504,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 4 $ 247,000
The Citizens State Bank
201 S CHRISTIAN, PO BOX 110
MOUNDRIDGE, KS 67107
* $ 243,981,000 4 $ 388,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 1,461,858,000 4 $ 549,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 348,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 246,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 3 $ 372,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 605,882,000 3 $ 504,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 4,065,989,000 3 $ 166,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 3 $ 277,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 3 $ 277,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 3 $ 311,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 549,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 3 $ 290,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 274,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 2 $ 181,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 2 $ 365,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 239,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 347,000
Mortgages Unlimited, Inc
303 N KANSAS AVE, STE 106
LIBERAL, KS 67901
* $ 10,000,000 2 $ 824,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ 10,000,000 2 $ 321,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 314,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 228,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 270,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 889,265,000 2 $ 216,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 2 $ 188,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,331,681,000 2 $ 187,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 374,787,000 2 $ 208,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 2 $ 151,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 596,405,000 2 $ 199,000
Inland Home Mortgage Company
2225 S WOLF ROAD
HILLSIDE, IL 60162
* $ 1,135,000,000 2 $ 242,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 248,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 18,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ 10,000,000 2 $ 168,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 515,461,000 2 $ 108,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 2 $ 298,000
Mid American Credit Union
8404 W. KELLOGG DR.
WICHITA, KS 67209
* $ 167,673,000 2 $ 199,000
The Citizens State Bank of Cheney, Kansas
PO BOX 509
CHENEY, KS 67025
* $ 51,231,000 2 $ 39,000
Halstead Bank
314 MAIN ST
HALSTEAD, KS 67056
* $ 76,500,000 2 $ 172,000
White Eagle Credit Union
2830 OHIO
AUGUSTA, KS 67010
* $ 72,981,000 2 $ 98,000
Legacy Bank
3711 N RIDGE RD
WICHITA, KS 67205
* $ 258,133,000 2 $ 171,000
Skyward Credit Union
4 CESSNA BLVD
WICHITA, KS 67215
* $ 208,498,000 2 $ 148,000
Home Bank & Trust Co.
217 N. MAIN
EUREKA, KS 67045
* $ 84,396,000 1 $ 88,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 1 $ 116,000
Coppermark Bank
2700 N PORTLAND AVE
OKLAHOMA CITY, OK 73107
* $ 1,262,552,000 1 $ 4,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 227,334,000 1 $ 22,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 63,396,000 1 $ 116,000
Central Star Credit Union
9555 CORPORATE HILLS DR
WICHITA, KS 67207
* $ 69,054,000 1 $ 41,000
Horizon Bank
10841 N 142ND STREET
WAVERLY, NE 68462
* $ 197,517,000 1 $ 390,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 86,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 192,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 58,000
Simmons First National Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 1,849,762,000 1 $ 88,000
Conway Bank, NA
121 E KELLOGG
WICHITA, KS 67202
* $ 71,084,000 1 $ 15,000
Southwest National Bank
400 E DOUGLAS
WICHITA, KS 67202
* $ 421,467,000 1 $ 5,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 1 $ 138,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 152,158,000 1 $ 177,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,184,743,000 1 $ 245,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 247,163,000 1 $ 56,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 546,918,000 1 $ 104,000
Heritage Bank
3024 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 53,050,000 1 $ 115,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 601,825,000 1 $ 32,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ 75,474,000 1 $ 33,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,779,000 1 $ 180,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 72,000
Cornerbank, N.A.
900 MAIN ST - PO BOX 545
WINFIELD, KS 67156
* $ 276,837,000 1 $ 25,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 90,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 1 $ 92,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 159,000
UMB National Bank of America
100 S SANTA FE AVE
SALINA, KS 67401
* $ 825,618,000 1 $ 72,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 51,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 151,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 92,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 69,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 35,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 48,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 117,000
Rmc Vanguard
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 20,000,000 1 $ 250,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 51,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 232,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 94,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 61,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 122,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 1 $ 86,000

The tables below break down 2012 mortgage applications in Reno County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Reno County, KS in 2012

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 1,607 $176,330,000 $109,000 $2,075,000 $71,000 $1,431,000
Home Purchase 926 $89,762,000 $96,000 $488,000 $57,000 $1,266,000
Home Improvement 182 $6,793,000 $37,000 $411,000 $70,000 $528,000

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 2,145 $210,725,000 $98,000 $1,181,000 $73,000 $1,431,000
Not Provided 221 $17,965,000 $81,000 $409,000 $61,000 $666,000
Not applicable 213 $32,287,000 $151,000 $2,075,000 $14,000 $642,000
Hispanic 90 $7,415,000 $82,000 $215,000 $50,000 $133,000
Black or African American 28 $2,362,000 $84,000 $270,000 $45,000 $94,000
Asian 8 $969,000 $121,000 $187,000 $80,000 $153,000
American Indian or Alaskan Native 7 $616,000 $88,000 $198,000 $58,000 $165,000
Native Hawaiian or Other Pacific Islander 3 $546,000 $182,000 $417,000 $194,000 $482,000

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) 2,045 $205,858,000 $100,000 $2,075,000 $75,000 $1,431,000
FHA-insured (Federal Housing Administration) 462 $43,950,000 $95,000 $279,000 $40,000 $155,000
VA-guaranteed (Veterans Administration) 122 $14,851,000 $121,000 $488,000 $36,000 $118,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 86 $8,226,000 $95,000 $236,000 $35,000 $74,000

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 1,560 $151,952,000 $97,000 $2,075,000 $77,000 $1,266,000
Loan Purchased By The Institution 456 $51,488,000 $112,000 $417,000 $34,000 $300,000
Application Denied By Financial Institution 329 $29,281,000 $89,000 $417,000 $55,000 $532,000
Application Approved But Not Accepted 228 $23,487,000 $103,000 $417,000 $77,000 $1,431,000
Application Withdrawn By Applicant 121 $14,094,000 $116,000 $1,181,000 $64,000 $570,000
File Closed For Incompleteness 21 $2,583,000 $123,000 $340,000 $70,000 $165,000
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 110 $7,082,000 $64,000 $239,000 $56,000 $532,000
Debt-To-Income Ratio 71 $7,227,000 $101,000 $301,000 $47,000 $154,000
Collateral 31 $3,492,000 $112,000 $410,000 $76,000 $235,000
Credit Application Incomplete 20 $2,282,000 $114,000 $304,000 $72,000 $300,000
Other 18 $1,870,000 $103,000 $301,000 $49,000 $112,000
Insufficient Cash (Downpayment, Closing Cost) 12 $719,000 $59,000 $111,000 $42,000 $86,000
Unverifiable Information 10 $1,612,000 $161,000 $417,000 $100,000 $170,000
Employment History 4 $350,000 $87,000 $120,000 $58,000 $95,000
Mortgage Insurance Denied 1 $84,000 $84,000 $84,000 $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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