Rhea County, TN Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,178 mortgage applications in Rhea County, TN totaling $125.0 million, down 27% from 2013. The average application was for $106,000, and applicants reported an average income of $58,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was Simplybank., with 129 applications, followed by Vanderbilt Mortgage and Finance, Inc and Regions Bank.

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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 1,178
Total Mortgage Loan Application Amount $125,020,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $1,929,000
Average Applicant Income $58,000
Highest Applicant Income $1,558,000

Mortgage Company List for Lending in Rhea County, TN for 2014

* 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
Simplybank.

RINGGOLD, GA 30736
* $ 240,839,000 129 $ 10,145,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 99 $ 7,076,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 60 $ 3,264,000
Community National Bank
1271 MARKET STREET
DAYTON, TN 37321
* $ 198,641,000 55 $ 1,301,000
Southeast Bank
192 N SEVEN OAKS DR
FARRAGUT, TN 37934
* $ 528,566,000 43 $ 2,439,000
Platinum Financial Funding, LLC
1913 GUNBARREL ROAD
CHATTANOOGA, TN 37421
* $ 1,071,000 42 $ 4,462,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 40 $ 4,318,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 39 $ 5,656,000
Origin Bank

HOUSTON, TX 77024
* $ 3,199,260,000 30 $ 4,439,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ 10,000,000 27 $ 3,300,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 26 $ 3,124,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 25 $ 3,367,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ 594,167,000 24 $ 2,496,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 22 $ 2,566,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,256,102,000 21 $ 1,572,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 17 $ 2,167,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 16 $ 1,350,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 15 $ 2,706,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 15 $ 1,662,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 14 $ 1,769,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 14 $ 1,480,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 14 $ 840,000
River Valley Agcredit
P O BOX 309
PADUCAH, KY 42001
* $ 300,098,000 14 $ 2,202,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 13 $ 1,685,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 13 $ 969,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 11 $ 1,259,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 11 $ 1,965,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 10 $ 1,176,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 9 $ 1,597,000
Tennessee Valley Federal C U
535 CHESTNUT STREET
CHATTANOOGA, TN 37402
* $ 989,062,000 9 $ 719,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 9 $ 1,367,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 9 $ 1,661,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 9 $ 1,063,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 8 $ 1,057,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 882,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 7 $ 1,200,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ 35,257,000 7 $ 991,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 7 $ 768,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 6 $ 806,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 6 $ 547,000
Cmc Funding, Inc.
814 A1A NORTH, STE. 303
PONTE VEDRA BEACH, FL 32082
* $ 10,000,000 6 $ 900,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 560,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 6 $ 759,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 5 $ 585,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 5 $ 946,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 5 $ 565,000
Ornl Federal Credit Union
221 SOUTH RUTGERS AVENUE
OAK RIDGE, TN 37830
* $ 1,492,529,000 5 $ 817,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 899,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 4 $ 616,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 3 $ 704,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 3 $ 1,418,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 3 $ 457,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 3 $ 180,000
Enrichment Federal Credit Unio
PO BOX 883
OAK RIDGE, TN 37831
* $ 381,091,000 3 $ 210,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 3 $ 216,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 3 $ 314,000
Knoxville Tva Employees Credit Union
301 WALL AVE
KNOXVILLE, TN 37932
* $ 1,261,822,000 3 $ 230,000
Southern Heritage Bank
P.O. BOX 4730
CLEVELAND, TN 37320
* $ 236,853,000 3 $ 258,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 3 $ 359,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 214,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 2 $ 264,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 2 $ 258,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 2 $ 328,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 246,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 204,000
Millennium Bank
6392 ARTESIAN CIRCLE
OOLTEWAH, TN 37363
* $ 130,382,000 2 $ 101,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 5,733,100,000 2 $ 85,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 266,000
Home Federal Bank of Tennessee
515 MARKET STREET
KNOXVILLE, TN 37902
* $ 2,095,966,000 2 $ 560,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 156,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ 10,000,000 2 $ 254,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 246,270,000 2 $ 260,000
Y-12 Federal Credit Union
501 LAFAYETTE DR
OAK RIDGE, TN 37830
* $ 697,282,000 2 $ 256,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 328,000
First State Bank
221 HARRISON ST
UNION CITY, TN 38261
* $ 1,914,298,000 2 $ 537,000
Bank of Cleveland
75 BOBBY TAYLOR AVE
CLEVELAND, TN 37311
* $ 220,181,000 2 $ 206,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 172,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 2 $ 198,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 23,556,814,000 2 $ 601,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 251,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 2 $ 572,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 177,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 245,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 291,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 92,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 145,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 195,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 71,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 1 $ 65,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 103,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 80,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 43,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ 10,000,000 1 $ 103,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 1 $ 90,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,345,180,000 1 $ 90,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 1 $ 136,000
Andrew Johnson Bank
124 N MAIN STREET
GREENEVILLE, TN 37744
* $ 287,848,000 1 $ 100,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 3,910,000,000 1 $ 5,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 105,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 188,000
Coastalstates Bank
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 369,447,000 1 $ 115,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 678,563,000 1 $ 75,000
Northwest Georgia Bank
PO BOX 789
RINGGOLD, GA 30736
* $ 354,204,000 1 $ 25,000
Ten Credit Union
1400 8TH AVE SOUTH
NASHVILLE, TN 37203
* $ 270,801,000 1 $ 142,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 1 $ 172,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 0 1 $ 145,000
Capitalmark Bank & Trust
801 BROAD STREET
CHATTANOOGA, TN 37402
* $ 828,163,000 1 $ 900,000
Franklin Synergy Bank
722 COLUMBIA AVENUE
FRANKLIN, TN 37064
* $ 795,998,000 1 $ 153,000
Finworth Mortgage, LLC, An Insbank Company
2106 CRESTMOOR ROAD
NASHVILLE, TN 37215
* $ 0 1 $ 156,000
Tennessee State Bank
2210 PARKWAY
PIGEON FORGE, TN 37868
* $ 657,532,000 1 $ 123,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 574,021,000 1 $ 42,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 108,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 120,000
The Home Lending Group, LLC
215 KATHERINE DRIVE
FLOWOOD, MS 39232
* $ 22,596,000 1 $ 55,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 1 $ 168,000
Gmh Mortgage Services LLC
625 W RIDGE PIKE STE 100; BUILDING C
CONSHOHOCKEN, PA 19428
* $ 0 1 $ 170,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 200,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 1 $ 150,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,573,160,000 1 $ 35,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 3,564,057,000 1 $ 116,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 144,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 62,915,596,000 1 $ 72,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 153,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 1 $ 157,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 117,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 1 $ 159,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 617,585,000 1 $ 50,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,492,889,000 1 $ 74,000
BNC National Bank

BISMARCK, ND 58501
* $ 841,451,000 1 $ 261,000
Atlantic Capital Bank, National Association
1110 MARKET STREET SUITE 300
CHATTANOOGA, TN 37402
* $ 977,364,000 1 $ 100,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 3,618,297,000 1 $ 126,000
Athens Federal Community Bank
106 WASHINGTON AVENUE (PO BOX 869)
ATHENS, TN 37371
* $ 294,674,000 1 $ 158,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 1 $ 170,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,560,571,000 1 $ 92,000
City Employees Credit Union
1720 WESTERN AVENUE
KNOXVILLE, TN 37921
* $ 66,648,000 1 $ 108,000
Bowater Employees Credit Union
P. O. BOX 359
CALHOUN, TN 37309
* $ 140,979,000 1 $ 25,000
Citizens First Bank
PO BOX 1189
WARTBURG, TN 37887
* $ 149,582,000 1 $ 189,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 55,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 45,240,000 1 $ 68,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 266,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 271,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 80,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 187,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 160,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 79,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 1 $ 57,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 1 $ 6,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 273,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 223,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 123,000

The tables below break down 2014 mortgage applications in Rhea County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Rhea County, TN 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 582 $65,974,000 $113,000 $900,000 $56,000 $1,410,000
Refinancing 425 $55,188,000 $129,000 $1,929,000 $63,000 $1,558,000
Home Improvement 171 $3,858,000 $22,000 $230,000 $55,000 $1,196,000

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 960 $99,442,000 $103,000 $1,929,000 $66,000 $1,558,000
Not applicable 125 $16,334,000 $130,000 $900,000 $7,000 $363,000
Not Provided 52 $5,448,000 $104,000 $400,000 $57,000 $168,000
Black or African American 14 $907,000 $64,000 $150,000 $40,000 $144,000
Hispanic 12 $1,064,000 $88,000 $285,000 $59,000 $155,000
American Indian or Alaskan Native 9 $1,193,000 $132,000 $350,000 $64,000 $190,000
Asian 5 $571,000 $114,000 $280,000 $40,000 $64,000
Native Hawaiian or Other Pacific Islander 1 $61,000 $61,000 $61,000 $29,000 $29,000

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) 808 $80,615,000 $99,000 $1,929,000 $69,000 $1,558,000
FHA-insured (Federal Housing Administration) 177 $19,937,000 $112,000 $256,000 $36,000 $135,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 118 $12,195,000 $103,000 $199,000 $27,000 $68,000
VA-guaranteed (Veterans Administration) 75 $12,273,000 $163,000 $486,000 $45,000 $172,000

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 594 $62,093,000 $104,000 $1,929,000 $71,000 $1,558,000
Application Denied By Financial Institution 249 $24,447,000 $98,000 $457,000 $53,000 $1,196,000
Loan Purchased By The Institution 147 $18,678,000 $127,000 $800,000 $23,000 $363,000
Application Withdrawn By Applicant 92 $10,793,000 $117,000 $350,000 $55,000 $300,000
Application Approved But Not Accepted 71 $6,284,000 $88,000 $417,000 $48,000 $193,000
File Closed For Incompleteness 25 $2,725,000 $109,000 $258,000 $59,000 $152,000
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 22 $2,173,000 $98,000 $457,000 $59,000 $273,000
Collateral 18 $2,407,000 $133,000 $280,000 $72,000 $312,000
Debt-To-Income Ratio 13 $1,283,000 $98,000 $182,000 $46,000 $91,000
Credit Application Incomplete 12 $1,548,000 $129,000 $181,000 $36,000 $93,000
Other 10 $1,146,000 $114,000 $271,000 $50,000 $300,000
Unverifiable Information 5 $505,000 $101,000 $168,000 $59,000 $112,000
Insufficient Cash (Downpayment, Closing Cost) 2 $242,000 $121,000 $166,000 $63,000 $73,000
Employment History 1 $156,000 $156,000 $156,000 $67,000 $67,000
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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