Reno County, KS Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,910 mortgage applications in Reno County, KS totaling $225.6 million, up 15% from 2018. The average application was for $118,000, and applicants reported an average income of $77,000. 53% of applications resulted in an originated loan and 11% were denied. The most active lender was Heartland Credit Union, with 385 applications, followed by Primary Residential Mortgage, Inc. and Members Mortgage Services, LLC.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,910
Total Mortgage Loan Application Amount $225,620,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $1,205,000
Average Applicant Income $77,000
Highest Applicant Income $4,800,000

Mortgage Company List for Lending in Reno County, KS 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
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 311,165,000 385 $ 42,265,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 205 $ 24,395,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 185 $ 21,385,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 77 $ 9,575,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 2,825,883,000 74 $ 7,710,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 70 $ 8,690,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 66 $ 6,470,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 890,895,000 52 $ 4,490,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 40 $ 4,540,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 33 $ 5,755,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 32 $ 4,120,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 25 $ 3,345,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 25,383,765,000 24 $ 1,630,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 17 $ 2,185,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 16 $ 2,100,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 15 $ 1,395,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 15 $ 2,185,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 14 $ 640,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 14 $ 1,940,000
First Bank of Newton
128 E BROADWAY
NEWTON, KS 67114
* $ 196,281,000 14 $ 1,110,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 16,518,217,000 14 $ 1,400,000
Mid American Credit Union
8404 W. KELLOGG DR.
WICHITA, KS 67209
* $ 298,491,000 13 $ 2,025,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 13 $ 635,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 13 $ 1,065,000
Envista Federal Credit Union
3626 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 364,260,000 11 $ 765,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 1,525,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 1,225,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 11 $ 925,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 87,268,647,000 10 $ 590,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,240,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 10 $ 1,860,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 285,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,285,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ 1,214,462,000 9 $ 1,175,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 9 $ 1,515,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 9 $ 1,215,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 8 $ 600,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 8 $ 1,410,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 8 $ 850,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 8 $ 690,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,321,162,000 8 $ 1,020,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 810,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 8 $ 1,440,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 7 $ 1,085,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 7 $ 1,225,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ 108,379,000 6 $ 650,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 5,201,340,000 6 $ 560,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 1,686,673,000 6 $ 170,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 6 $ 1,090,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,050,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 1,290,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 565,000
Kanza Bank
2233 N GREENWICH RD
WICHITA, KS 67226
* $ 227,912,000 5 $ 1,075,000
The Stock Exchange Bank, Caldwell, Kansas
103 S. MAIN ST., P.O. BOX 273
CALDWELL, KS 67022
* $ 53,736,000 5 $ 245,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,269,890,000 5 $ 815,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 1,045,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 5 $ 755,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 4 $ 320,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 4 $ 690,000
Citizens Bank of Kansas
300 N MAIN ST
KINGMAN, KS 67068
* $ 236,384,000 4 $ 480,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 4 $ 450,000
The Citizens State Bank
201 S CHRISTIAN, PO BOX 110
MOUNDRIDGE, KS 67107
* $ 425,599,000 4 $ 1,900,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 400,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 4 $ 470,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 4 $ 350,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 4 $ 400,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 4 $ 650,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 475,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 3 $ 235,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 3 $ 905,000
Halstead Bank
314 MAIN ST
HALSTEAD, KS 67056
* $ 118,540,000 3 $ 525,000
Legacy Bank
3711 N RIDGE RD
WICHITA, KS 67205
* $ 443,608,000 3 $ 205,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 3 $ 525,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 3 $ 395,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 785,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 175,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 3 $ 275,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 2 $ 660,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 330,000
The Citizens State Bank of Cheney, Kansas
PO BOX 509
CHENEY, KS 67025
* $ 59,104,000 2 $ 210,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 360,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 2 $ 40,000
Bank of Commerce and Trust Company
201 W HARVEY
WELLINGTON, KS 67152
* $ 76,541,000 2 $ 440,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 330,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 250,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,029,298,000 2 $ 240,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 190,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 2 $ 390,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 310,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 230,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 4,058,211,000 2 $ 300,000
Golden Plains Credit Union
1714 EAST KANSAS AVENUE
GARDEN CITY, KS 67846
* $ 657,261,000 2 $ 180,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 610,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 2 $ 200,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 70,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 220,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 2 $ 270,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 906,491,000 2 $ 460,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 7,183,022,000 1 $ 25,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,039,284,000 1 $ 15,000
The Midland National Bank of Newton
527 N MAIN ST
NEWTON, KS 67114
* $ 140,480,000 1 $ 85,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 2,059,210,000 1 $ 245,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 165,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 1 $ 375,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,005,697,000 1 $ 395,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 805,001,000 1 $ 75,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 145,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 1 $ 345,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 75,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ -1,000 1 $ 265,000
BNC National Bank

BISMARCK, ND 58501
* $ 970,161,000 1 $ 155,000
Labette Bank
PO BOX 497 319 4TH
ALTAMONT, KS 67330
* $ 403,616,000 1 $ 235,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 55,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 135,000
First State Bank & Trust
PO BOX 219
TONGANOXIE, KS 66086
* $ 278,664,000 1 $ 125,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 225,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 1 $ 175,000
Community Bank
5431 SW 29TH ST
TOPEKA, KS 66614
* $ 93,530,000 1 $ 165,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 1 $ 15,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
The Bennington State Bank
2130 SOUTH OHIO, P.O. BOX 1280
SALINA, KS 67402
* $ 699,960,000 1 $ 285,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 1 $ 105,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 1 $ 85,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 55,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 55,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 105,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 85,000
The Valley State Bank
502 N MERCHANT
BELLE PLAINE, KS 67013
* $ 125,961,000 1 $ 45,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 1 $ 125,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 1,201,916,000 1 $ 85,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 23,137,750,000 1 $ 305,000
White Eagle Credit Union
2830 OHIO
AUGUSTA, KS 67010
* $ 106,023,000 1 $ 135,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 1 $ 215,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 2,686,628,000 1 $ 125,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 175,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 135,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 79,882,000 1 $ 35,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,107,438,000 1 $ 85,000
Peoples Bank and Trust Company of Pointe Coupee Parish
P.O. DRAWER 747/805 HOSPITAL ROAD
NEW ROADS, LA 70760
* $ 271,920,000 1 $ 255,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 125,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 966,018,000 1 $ 75,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 59,366,170,000 1 $ 85,000

The tables below break down 2019 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 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 983 $120,955,000 $123,000 $1,205,000 $71,000 $1,201,000
Refinancing 396 $51,950,000 $131,000 $855,000 $79,000 $508,000
Cash-out Refinancing 319 $39,625,000 $124,000 $525,000 $80,000 $486,000
Other Purpose 109 $6,055,000 $55,000 $375,000 $72,000 $273,000
Home Improvement 61 $3,145,000 $51,000 $265,000 $157,000 $4,800,000
Not Applicable 42 $3,890,000 $92,000 $285,000 $39,000 $39,000

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 1,416 $166,530,000 $117,000 $1,205,000 $78,000 $4,800,000
Not applicable 253 $28,725,000 $113,000 $855,000 $62,000 $124,000
Not Provided 118 $16,080,000 $136,000 $485,000 $85,000 $273,000
Hispanic 72 $7,800,000 $108,000 $235,000 $60,000 $349,000
Black or African American 25 $3,225,000 $129,000 $485,000 $74,000 $223,000
American Indian or Alaskan Native 13 $1,875,000 $144,000 $425,000 $107,000 $398,000
Asian 11 $1,265,000 $115,000 $295,000 $86,000 $180,000
Native Hawaiian or Other Pacific Islander 1 $115,000 $115,000 $115,000 $50,000 $50,000

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) 1,233 $144,665,000 $117,000 $1,205,000 $84,000 $4,800,000
FHA-insured (Federal Housing Administration) 463 $51,015,000 $110,000 $305,000 $57,000 $192,000
VA-guaranteed (Veterans Administration) 178 $26,420,000 $148,000 $485,000 $68,000 $223,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 36 $3,520,000 $97,000 $155,000 $51,000 $82,000

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 1,018 $124,580,000 $122,000 $1,205,000 $77,000 $1,201,000
Loan Purchased By The Institution 401 $48,175,000 $120,000 $485,000 $76,000 $390,000
Application Denied By Financial Institution 208 $19,600,000 $94,000 $585,000 $87,000 $4,800,000
Application Withdrawn By Applicant 152 $18,590,000 $122,000 $585,000 $71,000 $222,000
Application Approved But Not Accepted 91 $9,715,000 $106,000 $355,000 $76,000 $230,000
File Closed For Incompleteness 33 $3,935,000 $119,000 $325,000 $64,000 $178,000
Preapproval Approved but not Accepted 5 $945,000 $189,000 $425,000 $141,000 $398,000
Preapproval Denied by Financial Institution 2 $80,000 $40,000 $45,000 $37,000 $48,000

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 1,621 $194,695,000 $120,000 $875,000 $76,000 $1,201,000
Debt-To-Income Ratio 140 $18,930,000 $135,000 $1,205,000 $66,000 $349,000
Credit History 80 $5,420,000 $67,000 $215,000 $60,000 $486,000
Collateral 23 $2,075,000 $90,000 $205,000 $80,000 $186,000
Other 19 $2,105,000 $110,000 $335,000 $72,000 $230,000
Credit Application Incomplete 16 $1,400,000 $87,000 $225,000 $454,000 $4,800,000
Unverifiable Information 4 $260,000 $65,000 $125,000 $71,000 $114,000
Insufficient Cash (Downpayment, Closing Cost) 4 $460,000 $115,000 $215,000 $52,000 $63,000
Employment History 3 $275,000 $91,000 $185,000 $106,000 $161,000
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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