Richmond County, NC Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,076 mortgage applications in Richmond County, NC totaling $102.6 million, down 13% from 2016. The average application was for $95,000, and applicants reported an average income of $52,000. 41% of applications resulted in an originated loan and 28% were denied. The most active lender was State Employees' Credit Union, with 152 applications, followed by Vanderbilt Mortgage and Finance, Inc and Truist 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 | 1,076 |
| Total Mortgage Loan Application Amount | $102,643,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $389,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $649,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 35,025,800,000 | 152 | $ 13,316,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 139 | $ 9,356,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 87 | $ 7,188,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 63 | $ 3,636,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 51 | $ 3,108,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 40 | $ 4,607,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 24 | $ 2,528,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,751,466,000 | 23 | $ 1,939,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 21 | $ 2,155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 21 | $ 2,415,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 17 | $ 1,859,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 3,613,858,000 | 17 | $ 1,750,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 17 | $ 1,365,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 16 | $ 1,914,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 12 | $ 1,020,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 10 | $ 1,671,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 10 | $ 801,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 1,235,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 783,632,000 | 8 | $ 833,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 8 | $ 853,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 8 | $ 1,298,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 8 | $ 1,140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,163,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 7 | $ 656,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 7 | $ 54,000 |
| Cityworth Mortgage LLC 11781 LEE JACKSON HIGHWAY FAIRFAX, VA 22033 |
* | $ -1,000 | 7 | $ 801,000 |
| First Tn Bk NA 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 9,936,645,000 | 6 | $ 474,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 6 | $ 1,509,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 177,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 343,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ -1,000 | 5 | $ 1,012,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 5 | $ 646,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 5 | $ 520,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 461,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 276,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 4 | $ 487,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 4 | $ 481,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 614,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 632,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 4 | $ 253,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 836,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 4 | $ 328,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 4 | $ 919,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ -1,000 | 4 | $ 285,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ -1,000 | 3 | $ 403,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 3 | $ 570,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ -1,000 | 3 | $ 528,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 836,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 249,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 3 | $ 936,000 |
| Founders Federal Credit Union 737 PLANTATION ROAD LANCASTER, SC 29720 |
* | $ 2,017,155,000 | 3 | $ 89,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 183,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ -1,000 | 2 | $ 189,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 2 | $ 122,000 |
| The Fidelity Bank 100 S. MAIN STREET FUQUAY-VARINA, NC 27526 |
* | $ 1,828,990,000 | 2 | $ 70,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 417,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 188,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,896,533,000 | 2 | $ 101,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 416,525,000 | 2 | $ 226,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 384,812,000 | 2 | $ 62,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 2 | $ 166,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ -1,000 | 2 | $ 109,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 337,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 235,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 117,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 272,000 |
| Ovm Financial, Inc. 816 GREENBRIER CIRCLE SUITE 100 CHESAPEAKE, VA 23320 |
* | $ -1,000 | 2 | $ 324,000 |
| Erie Federal Credit Union 3503 PEACH STREET ERIE, PA 16508 |
* | $ 455,591,000 | 2 | $ 194,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 2 | $ 86,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 2 | $ 471,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 282,922,000 | 2 | $ 238,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 349,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 2 | $ 331,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 161,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 203,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 150,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 121,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 158,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 123,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 207,323,000 | 1 | $ 110,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 83,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 150,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,377,540,000 | 1 | $ 38,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 32,814,750,000 | 1 | $ 35,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 152,000 |
| Uwharrie Bank P.O. BOX 338 ALBEMARLE, NC 28002 |
* | $ 546,231,000 | 1 | $ 290,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 56,000 |
| Allen Tate Mortgage Partners, LLC 8640 UNIVERSITY EXECUTIVE PARK DR CHARLOTTE, NC 28262 |
* | $ -1,000 | 1 | $ 81,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 76,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 217,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ -1,000 | 1 | $ 52,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 745,061,000 | 1 | $ 86,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 90,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ -1,000 | 1 | $ 210,000 |
| Resource Financial Services, Inc. 2717 DEVINE STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 112,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 121,000 |
| Southern Trust Mortgage, LLC 4433 CORPORATION LANE SUITE 300 VIRGINIA BEACH, VA 23462 |
* | $ -1,000 | 1 | $ 91,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 51,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 165,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 304,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 1 | $ 120,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 90,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 77,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 716,820,000 | 1 | $ 58,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 113,000 |
| Allen Mortgage Lc 1675 S CENTRAL ST CENTENNIAL PARK, AZ 86021 |
* | $ -1,000 | 1 | $ 121,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 85,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 120,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 1 | $ 68,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 264,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 438,899,000 | 1 | $ 42,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 745,138,000 | 1 | $ 58,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 165,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 106,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 13,155,641,000 | 1 | $ 130,000 |
| Latino Community Credit Union P.O. DRAWER 25279 DURHAM, NC 27709 |
* | $ 242,316,000 | 1 | $ 72,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 2,100,460,000 | 1 | $ 30,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 561,134,000 | 1 | $ 57,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 177,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 3,128,362,000 | 1 | $ 185,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 150,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 55,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 109,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 82,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 1 | $ 75,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 167,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 1 | $ 25,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 7,973,918,000 | 1 | $ 68,000 |
The tables below break down 2017 mortgage applications in Richmond County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Richmond County, NC in 2017
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 | 623 | $59,347,000 | $95,000 | $389,000 | $48,000 | $237,000 |
| Refinancing | 382 | $40,618,000 | $106,000 | $320,000 | $59,000 | $649,000 |
| Home Improvement | 71 | $2,678,000 | $37,000 | $182,000 | $56,000 | $222,000 |
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 | 631 | $60,527,000 | $95,000 | $389,000 | $57,000 | $649,000 |
| Black or African American | 223 | $18,946,000 | $84,000 | $350,000 | $47,000 | $250,000 |
| Not Provided | 89 | $9,674,000 | $108,000 | $383,000 | $57,000 | $225,000 |
| Not applicable | 57 | $7,010,000 | $122,000 | $383,000 | $8,000 | $250,000 |
| American Indian or Alaskan Native | 33 | $2,715,000 | $82,000 | $240,000 | $52,000 | $128,000 |
| Hispanic | 32 | $2,576,000 | $80,000 | $269,000 | $53,000 | $161,000 |
| Asian | 9 | $1,113,000 | $123,000 | $239,000 | $66,000 | $179,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $82,000 | $41,000 | $44,000 | $75,000 | $130,000 |
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) | 741 | $63,669,000 | $85,000 | $389,000 | $57,000 | $649,000 |
| FHA-insured (Federal Housing Administration) | 166 | $16,774,000 | $101,000 | $280,000 | $39,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 128 | $18,538,000 | $144,000 | $383,000 | $52,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $3,662,000 | $89,000 | $171,000 | $32,000 | $70,000 |
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 | 442 | $45,525,000 | $102,000 | $383,000 | $62,000 | $649,000 |
| Application Denied By Financial Institution | 300 | $22,760,000 | $75,000 | $285,000 | $45,000 | $400,000 |
| Application Withdrawn By Applicant | 128 | $14,628,000 | $114,000 | $383,000 | $58,000 | $250,000 |
| File Closed For Incompleteness | 105 | $8,674,000 | $82,000 | $389,000 | $49,000 | $137,000 |
| Loan Purchased By The Institution | 72 | $8,466,000 | $117,000 | $383,000 | $19,000 | $250,000 |
| Application Approved But Not Accepted | 29 | $2,590,000 | $89,000 | $208,000 | $48,000 | $123,000 |
| 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 | 59 | $2,780,000 | $47,000 | $239,000 | $51,000 | $161,000 |
| Debt-To-Income Ratio | 41 | $3,835,000 | $93,000 | $269,000 | $36,000 | $98,000 |
| Collateral | 27 | $2,642,000 | $97,000 | $187,000 | $67,000 | $143,000 |
| Credit Application Incomplete | 9 | $1,039,000 | $115,000 | $280,000 | $62,000 | $199,000 |
| Other | 9 | $568,000 | $63,000 | $127,000 | $59,000 | $121,000 |
| Unverifiable Information | 3 | $115,000 | $38,000 | $79,000 | $82,000 | $160,000 |
| Employment History | 3 | $303,000 | $101,000 | $126,000 | $32,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $155,000 | $51,000 | $53,000 | $70,000 | $142,000 |
| 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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