Reno County, KS Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,573 mortgage applications in Reno County, KS totaling $192.8 million, down 12% from 2022. The average application was for $122,000, and applicants reported an average income of $85,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Peoples Bank and Trust Co, with 231 applications, followed by Heartland Credit Union and First National Bank of Hutchinson.

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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 1,573
Total Mortgage Loan Application Amount $192,825,000
Average Mortgage Loan Application Amount $122,000
Highest Mortgage Loan Application Amount $1,505,000
Average Applicant Income $85,000
Highest Applicant Income $800,000

Mortgage Company List for Lending in Reno County, KS for 2023

* 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
Peoples Bank and Trust Co
101 S MAIN ST
MCPHERSON, KS 67460
* $ 1,014,460,000 231 $ 22,705,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 598,172,000 151 $ 18,305,000
First National Bank of Hutchinson
1 N MAIN ST
HUTCHINSON, KS 67501
* $ 944,900,000 129 $ 17,245,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 102 $ 14,550,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 74 $ 9,890,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 74 $ 10,850,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ 1,405,806,000 54 $ 4,890,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 40 $ 5,280,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 31,679,817,000 40 $ 3,280,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 35 $ 5,475,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 3,775,612,000 26 $ 3,330,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 21 $ 1,485,000
Envista Federal Credit Union
3626 SW WANAMAKER RD
TOPEKA, KS 66614
* $ 530,701,000 20 $ 1,270,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 16 $ 2,370,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 16 $ 2,390,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 16 $ 2,490,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 16 $ 2,190,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 15 $ 2,045,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 15 $ 2,115,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 13 $ 2,875,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 12 $ 910,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,265,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 11 $ 1,275,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ 1,812,858,000 11 $ 1,395,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 1,830,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 10 $ 480,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,165,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 9 $ 1,045,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 9 $ 795,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 9 $ 1,245,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 8 $ 210,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 8 $ 1,410,000
The Citizens State Bank
201 S CHRISTIAN, PO BOX 110
MOUNDRIDGE, KS 67107
* $ 472,684,000 8 $ 1,660,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 8 $ 850,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 7 $ 1,055,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 27,409,758,000 7 $ 415,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 7 $ 925,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 765,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ 1,942,679,000 6 $ 560,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 770,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 6 $ 590,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 910,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 980,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ 191,185,000 5 $ 265,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 715,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 625,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 925,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 5 $ 635,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 375,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 535,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 5 $ 545,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 465,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ -1,000 5 $ 535,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 415,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 430,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 4 $ 930,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 4 $ 300,000
The Valley State Bank
502 N MERCHANT
BELLE PLAINE, KS 67013
* $ 187,356,000 4 $ 270,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 4 $ 520,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 110,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ 2,375,666,000 4 $ 710,000
Citizens State Bank of Cheney
PO BOX 509
CHENEY, KS 67025
* $ 75,271,000 4 $ 120,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ 1,255,880,000 4 $ 510,000
Mid America Bank
802 AMES STREET
BALDWIN CITY, KS 66006
* $ 349,535,000 3 $ 215,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 3 $ 565,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 255,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 3 $ 445,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,950,802,000 3 $ 575,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 3 $ 485,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 47,596,192,000 3 $ 345,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 3,078,918,000 3 $ 165,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 4,976,744,000 3 $ 335,000
The Bennington State Bank
2130 SOUTH OHIO, P.O. BOX 1280
SALINA, KS 67402
* $ 967,774,000 3 $ 605,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 3 $ 305,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 3 $ 295,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 335,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 280,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 2 $ 140,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 530,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 130,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 9,523,916,000 2 $ 570,000
Mid American Credit Union
8404 W. KELLOGG DR.
WICHITA, KS 67209
* $ 410,860,000 2 $ 200,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 2 $ 320,000
Legacy Bank
3711 N RIDGE RD
WICHITA, KS 67205
* $ 618,429,000 2 $ 180,000
Citizens Bank of Kansas
300 N MAIN ST
KINGMAN, KS 67068
* $ 477,900,000 2 $ 100,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 7,454,262,000 2 $ 50,000
Golden Plains Credit Union
1714 EAST KANSAS AVENUE
GARDEN CITY, KS 67846
* $ 942,923,000 2 $ 220,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 2 $ 360,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 2 $ 160,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 2 $ 280,000
Halstead Bank
314 MAIN ST
HALSTEAD, KS 67056
* $ 167,245,000 2 $ 130,000
Garden Plain State Bank
PO BOX 75009
WICHITA, KS 67275
* $ 142,467,000 2 $ 320,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 310,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 5,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 95,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 1 $ 65,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 95,000
Andover State Bank
511 N ANDOVER ROAD, P O BOX 278
ANDOVER, KS 67002
* $ 172,548,000 1 $ 245,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 145,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 85,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 1 $ 55,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,460,850,000 1 $ 45,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 135,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 105,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 1 $ 105,000
Union State Bank
127 S SUMMIT STREET
ARKANSAS CITY, KS 67005
* $ 578,747,000 1 $ 85,000
Quantum Credit Union
6300 W 21ST ST N
WICHITA, KS 67205
* $ 149,829,000 1 $ 45,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 105,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ -1,000 1 $ 65,000
Great Plains Federal Credit Union
2306 S RANGE LINE RD
JOPLIN, MO 64804
* $ 340,312,000 1 $ 75,000
Mainstreet Federal Credit Union
13001 W 95TH STREET
LENEXA, KS 66215
* $ 632,735,000 1 $ 235,000
Peoples Bank and Trust Company of Pointe Coupee Parish
P.O. DRAWER 747/805 HOSPITAL ROAD
NEW ROADS, LA 70760
* $ 336,954,000 1 $ 65,000
American Bank of Oklahoma
200 E MAIN, P.O. BOX 66
COLLINSVILLE, OK 74021
* $ 353,552,000 1 $ 275,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 135,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 85,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,517,837,000 1 $ 75,000
Panhadle Federal Credit Union
403 NORTH WASHINGTON
WELLINGTON, KS 67152
* $ 62,532,000 1 $ 215,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 185,000
City National Bank and Trust
PO BOX 2009
LAWTON, OK 73502
* $ 434,132,000 1 $ 185,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 105,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 397,701,000 1 $ 45,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 75,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 1,382,388,000 1 $ 395,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 55,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 105,000
Bank of Commerce & Trust Company
201 W HARVEY
WELLINGTON, KS 67152
* $ 107,353,000 1 $ 55,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ -1,000 1 $ 55,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 305,994,000 1 $ 705,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 1,585,971,000 1 $ 75,000
Mortgage Clearing Corporation
5612 S LEWIS
TULSA, OK 74105
* $ -1,000 1 $ 335,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ -1,000 1 $ 185,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 7,415,263,000 1 $ 85,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 95,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 1 $ 25,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 1,991,593,000 1 $ 185,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 75,000
Advantage Plus FCU
2133 E CENTER ST.
POCATELLO, ID 83201
* $ 249,882,000 1 $ 125,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 607,423,000 1 $ 395,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 22,808,174,000 1 $ 105,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ 1,956,034,000 1 $ 45,000
Gnbank, N.A.
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 938,981,000 1 $ 45,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ -1,000 1 $ 205,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 75,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 145,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 1,498,800,000 1 $ 65,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 1 $ 85,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 95,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 285,000
Five Star Bank
2240 DOUGLAS BLVD
ROSEVILLE, CA 95661
* $ 3,224,069,000 1 $ 1,255,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 35,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 275,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 185,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 4,700,520,000 1 $ 105,000

The tables below break down 2023 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 2023

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 988 $141,450,000 $143,000 $705,000 $87,000 $687,000
Refinancing 202 $21,870,000 $108,000 $1,505,000 $92,000 $559,000
Cash-out Refinancing 180 $20,260,000 $112,000 $325,000 $72,000 $208,000
Other Purpose 100 $5,050,000 $50,000 $165,000 $73,000 $200,000
Home Improvement 98 $3,990,000 $40,000 $175,000 $100,000 $800,000
Not Applicable 5 $205,000 $41,000 $95,000 $0 $0

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 1,020 $124,050,000 $121,000 $965,000 $88,000 $800,000
Not applicable 298 $40,330,000 $135,000 $1,505,000 $0 $0
Not Provided 133 $14,755,000 $110,000 $285,000 $75,000 $444,000
Hispanic 73 $6,905,000 $94,000 $275,000 $70,000 $231,000
Black or African American 28 $3,730,000 $133,000 $385,000 $89,000 $265,000
American Indian or Alaskan Native 14 $1,990,000 $142,000 $415,000 $69,000 $157,000
Asian 4 $740,000 $185,000 $255,000 $112,000 $177,000
Native Hawaiian or Other Pacific Islander 2 $210,000 $105,000 $125,000 $76,000 $84,000

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) 1,156 $131,790,000 $114,000 $1,505,000 $90,000 $800,000
FHA-insured (Federal Housing Administration) 293 $39,295,000 $134,000 $475,000 $69,000 $281,000
VA-guaranteed (Veterans Administration) 108 $19,720,000 $182,000 $485,000 $82,000 $265,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $2,020,000 $126,000 $235,000 $57,000 $102,000

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 903 $112,285,000 $124,000 $1,505,000 $92,000 $800,000
Loan Purchased By The Institution 205 $28,535,000 $139,000 $455,000 $95,000 $281,000
Application Denied By Financial Institution 197 $18,085,000 $91,000 $385,000 $72,000 $370,000
Application Withdrawn By Applicant 149 $18,815,000 $126,000 $485,000 $74,000 $285,000
Application Approved But Not Accepted 79 $9,925,000 $125,000 $355,000 $80,000 $275,000
File Closed For Incompleteness 30 $3,450,000 $115,000 $305,000 $72,000 $195,000
Preapproval Approved but not Accepted 8 $1,330,000 $166,000 $365,000 $104,000 $172,000
Preapproval Denied by Financial Institution 2 $400,000 $200,000 $275,000 $75,000 $97,000

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 1,167 $148,255,000 $127,000 $525,000 $83,000 $800,000
Debt-To-Income Ratio 262 $31,700,000 $120,000 $1,505,000 $101,000 $600,000
Credit History 60 $5,120,000 $85,000 $305,000 $79,000 $370,000
Collateral 29 $2,475,000 $85,000 $385,000 $88,000 $265,000
Other 16 $1,010,000 $63,000 $275,000 $67,000 $165,000
Credit Application Incomplete 15 $1,665,000 $111,000 $235,000 $83,000 $173,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,115,000 $123,000 $185,000 $73,000 $100,000
Unverifiable Information 8 $690,000 $86,000 $125,000 $78,000 $317,000
Employment History 6 $720,000 $120,000 $205,000 $40,000 $74,000
Mortgage Insurance Denied 1 $75,000 $75,000 $75,000 $32,000 $32,000

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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