Reno County, KS Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,962 mortgage applications in Reno County, KS totaling $223.3 million, down 23% from 2013. The average application was for $113,000, and applicants reported an average income of $65,000. 59% of applications resulted in an originated loan and 13% were denied. The most active lender was Heartland Credit Union, with 467 applications, followed by Central Bank and Trust Co. 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 | 1,962 |
| Total Mortgage Loan Application Amount | $223,333,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,008,000 |
* 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 |
|---|---|---|---|---|
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 206,941,000 | 467 | $ 38,153,000 |
| Central Bank and Trust Co. 700 EAST 30TH HUTCHINSON, KS 67502 |
* | $ 258,541,000 | 208 | $ 14,198,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 167 | $ 16,600,000 |
| First National Bank of Hutchinson, the PO BOX 913 HUTCHINSON, KS 67504 |
* | $ 599,709,000 | 146 | $ 53,543,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 127 | $ 15,034,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 46 | $ 3,624,000 |
| Envista Federal Credit Union 3626 SW WANAMAKER RD TOPEKA, KS 66614 |
* | $ 247,277,000 | 43 | $ 3,169,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 38 | $ 4,133,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 22,943,132,000 | 32 | $ 1,911,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 31 | $ 4,255,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 29 | $ 2,384,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 225,066,000 | 24 | $ 1,292,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 24 | $ 2,034,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,596,000 |
| Bank Snb 608 S MAIN STILLWATER, OK 74074 |
* | $ 1,966,857,000 | 22 | $ 1,987,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 21 | $ 2,167,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 21 | $ 2,338,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 20 | $ 1,647,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 20 | $ 2,092,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 16 | $ 2,127,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 15 | $ 1,703,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 15 | $ 1,173,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 13 | $ 2,099,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 13 | $ 1,486,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 12 | $ 1,496,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 12 | $ 1,296,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 12 | $ 2,402,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 1,508,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 12 | $ 1,111,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 10 | $ 1,282,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 10 | $ 718,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 10 | $ 1,294,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 9 | $ 889,000 |
| The Citizens State Bank 201 S CHRISTIAN, PO BOX 110 MOUNDRIDGE, KS 67107 |
* | $ 422,127,000 | 8 | $ 866,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,560,571,000 | 8 | $ 852,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 8 | $ 430,000 |
| Kanza Bank 2233 N GREENWICH RD WICHITA, KS 67226 |
* | $ 216,391,000 | 7 | $ 861,000 |
| First Bank of Newton 128 E BROADWAY NEWTON, KS 67114 |
* | $ 162,425,000 | 7 | $ 422,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 729,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 976,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 7 | $ 738,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 6 | $ 442,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 6 | $ 602,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 6 | $ 910,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 6 | $ 461,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 6 | $ 504,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 841,451,000 | 6 | $ 680,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 5 | $ 457,000 |
| Central Star Financial Sol LLC 9555 CORPORATE HILLS DRIVE WICHITA, KS 67207 |
* | $ 500,458,000 | 5 | $ 279,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 535,414,000 | 5 | $ 397,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,099,031,000 | 4 | $ 471,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 289,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 407,000 |
| Community Bank of Wichita, Inc. 11330 E 21ST ST N WICHITA, KS 67206 |
* | $ 68,322,000 | 4 | $ 599,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 4 | $ 40,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 4 | $ 579,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 206,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 440,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 3 | $ 138,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 3 | $ 257,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 338,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 243,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 420,000 |
| Wichita Federal Credit Union 9835 E 21ST ST N WICHITA, KS 67206 |
* | $ 80,867,000 | 3 | $ 200,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,549,015,000 | 3 | $ 587,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 221,822,000 | 3 | $ 88,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,364,875,000 | 2 | $ 206,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,675,841,000 | 2 | $ 188,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 193,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 2 | $ 702,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 161,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 2 | $ 373,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 141,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 2 | $ 8,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,128,932,000 | 2 | $ 113,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 183,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 132,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 16,642,506,000 | 2 | $ 455,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 2 | $ 232,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 1,141,191,000 | 2 | $ 768,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 233,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 153,712,000 | 1 | $ 6,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 232,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,293,139,000 | 1 | $ 155,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 793,686,000 | 1 | $ 51,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 1 | $ 84,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 29,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 82,000 |
| Webster Bank, N.A. 145 BANK STREET STAMFORD, CT 06901 |
* | $ 20,830,913,000 | 1 | $ 3,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,540,393,000 | 1 | $ 200,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 1 | $ 88,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 295,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 1 | $ 7,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 838,887,000 | 1 | $ 80,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 826,961,000 | 1 | $ 120,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 110,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 273,063,000 | 1 | $ 14,000 |
| Horizon Bank 10841 N 142ND STREET WAVERLY, NE 68462 |
* | $ 230,681,000 | 1 | $ 66,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 231,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 64,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Chisholm Trail State Bank PO BOX 4658 WICHITA, KS 67204 |
* | $ 73,255,000 | 1 | $ 35,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,016,109,000 | 1 | $ 153,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Cornerstone Mortgage, Inc. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 418,554,000 | 1 | $ 74,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 96,000 |
| Bank of the Flint Hills 806 W 5TH ST, PO BOX 226 WAMEGO, KS 66547 |
* | $ 152,431,000 | 1 | $ 45,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 159,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 96,000 |
| Firstkey Mortgage, LLC 900 THIRD AVENUE, SUITE 500 NEW YORK, NY 10022 |
* | $ 4,365,000 | 1 | $ 456,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 180,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 1 | $ 128,000 |
| Gnbank, National Association 100 E FOREST (PO BOX 67) GIRARD, KS 66743 |
* | $ 561,138,000 | 1 | $ 170,000 |
| The Citizens State Bank of Cheney, Kansas PO BOX 509 CHENEY, KS 67025 |
* | $ 55,892,000 | 1 | $ 36,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 923,559,000 | 1 | $ 59,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ 219,603,000 | 1 | $ 40,000 |
| Bank of Commerce and Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ 56,833,000 | 1 | $ 402,000 |
| Andover State Bank 511 N ANDOVER ROAD, P O BOX 278 ANDOVER, KS 67002 |
* | $ 68,656,000 | 1 | $ 50,000 |
The tables below break down 2014 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 2014
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 | 968 | $100,907,000 | $104,000 | $600,000 | $64,000 | $671,000 |
| Refinancing | 813 | $117,692,000 | $144,000 | $1,600,000 | $64,000 | $532,000 |
| Home Improvement | 181 | $4,734,000 | $26,000 | $291,000 | $75,000 | $1,008,000 |
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 | 1,497 | $135,909,000 | $90,000 | $663,000 | $75,000 | $1,008,000 |
| Not applicable | 229 | $66,297,000 | $289,000 | $1,600,000 | $2,000 | $108,000 |
| Not Provided | 134 | $13,022,000 | $97,000 | $520,000 | $66,000 | $220,000 |
| Hispanic | 65 | $4,602,000 | $70,000 | $192,000 | $51,000 | $469,000 |
| Black or African American | 24 | $1,617,000 | $67,000 | $189,000 | $46,000 | $107,000 |
| Asian | 6 | $955,000 | $159,000 | $300,000 | $176,000 | $419,000 |
| American Indian or Alaskan Native | 5 | $837,000 | $167,000 | $460,000 | $77,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $94,000 | $47,000 | $87,000 | $120,000 | $157,000 |
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 | $167,450,000 | $116,000 | $1,600,000 | $74,000 | $1,008,000 |
| FHA-insured (Federal Housing Administration) | 353 | $33,264,000 | $94,000 | $235,000 | $36,000 | $246,000 |
| VA-guaranteed (Veterans Administration) | 150 | $19,770,000 | $131,000 | $410,000 | $55,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,849,000 | $105,000 | $214,000 | $27,000 | $76,000 |
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 | 1,166 | $145,391,000 | $124,000 | $1,545,000 | $77,000 | $700,000 |
| Loan Purchased By The Institution | 300 | $31,731,000 | $105,000 | $456,000 | $24,000 | $122,000 |
| Application Denied By Financial Institution | 253 | $20,756,000 | $82,000 | $520,000 | $54,000 | $1,008,000 |
| Application Withdrawn By Applicant | 113 | $12,823,000 | $113,000 | $1,600,000 | $66,000 | $387,000 |
| Application Approved But Not Accepted | 111 | $11,229,000 | $101,000 | $600,000 | $78,000 | $333,000 |
| File Closed For Incompleteness | 19 | $1,403,000 | $73,000 | $120,000 | $50,000 | $100,000 |
| 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 | 88 | $5,667,000 | $64,000 | $180,000 | $62,000 | $1,008,000 |
| Debt-To-Income Ratio | 29 | $2,953,000 | $101,000 | $228,000 | $43,000 | $163,000 |
| Collateral | 25 | $2,196,000 | $87,000 | $291,000 | $60,000 | $283,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $631,000 | $63,000 | $148,000 | $45,000 | $82,000 |
| Credit Application Incomplete | 8 | $1,216,000 | $152,000 | $295,000 | $64,000 | $192,000 |
| Other | 5 | $539,000 | $107,000 | $181,000 | $36,000 | $82,000 |
| Employment History | 4 | $323,000 | $80,000 | $155,000 | $65,000 | $88,000 |
| Unverifiable Information | 3 | $167,000 | $55,000 | $137,000 | $70,000 | $106,000 |
| Mortgage Insurance Denied | 1 | $56,000 | $56,000 | $56,000 | $40,000 | $40,000 |
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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