Rockbridge County, VA Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 841 mortgage applications in Rockbridge County, VA totaling $149.7 million, up 11% from 2015. The average application was for $178,000, and applicants reported an average income of $65,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Atlantic Bay Mortgage Group, with 107 applications, followed by Wells Fargo Bank NA 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 | 841 |
| Total Mortgage Loan Application Amount | $149,709,000 |
| Average Mortgage Loan Application Amount | $178,000 |
| Highest Mortgage Loan Application Amount | $1,289,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $850,000 |
* 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 |
|---|---|---|---|---|
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ 10,000,000 | 107 | $ 20,986,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 65 | $ 13,794,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 55 | $ 9,092,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 52 | $ 10,391,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 31 | $ 3,110,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,696,846,000 | 29 | $ 2,596,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 700,650,000 | 24 | $ 4,646,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 23 | $ 4,729,000 |
| Bank of Botetourt 19747 MAIN STREET BUCHANAN, VA 24066 |
* | $ 322,579,000 | 21 | $ 2,845,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 20 | $ 118,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 17 | $ 3,132,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 16 | $ 2,959,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 16 | $ 3,018,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 14 | $ 3,088,000 |
| Union Bank & Trust 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 7,672,005,000 | 13 | $ 1,143,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 13 | $ 3,040,000 |
| Dupont Community Credit Union 140 LUCY LANE WAYNESBORO, VA 22980 |
* | $ 1,020,447,000 | 12 | $ 2,780,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 11 | $ 2,470,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 3,766,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 11 | $ 1,775,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 373,502,000 | 11 | $ 2,398,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 10 | $ 1,517,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 9 | $ 1,930,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,230,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 9 | $ 1,751,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 8 | $ 859,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,179,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 7,672,005,000 | 8 | $ 1,615,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 7 | $ 575,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 6 | $ 1,281,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 5 | $ 887,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 5 | $ 914,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 5 | $ 1,021,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 5 | $ 529,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 5 | $ 795,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 444,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 4 | $ 572,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 397,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 663,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 611,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 548,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 3 | $ 430,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 224,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 929,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 792,000 |
| Virginia Federal Credit Union PO BOX 90010 RICHMOND, VA 23225 |
* | $ 2,920,249,000 | 3 | $ 687,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 3 | $ 1,055,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 535,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 2 | $ 397,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 2 | $ 184,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 123,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 2 | $ 450,000 |
| Freedom First Federal Credit Union 5240 VALLEYPARK DRIVE ROANOKE, VA 24019 |
* | $ 398,525,000 | 2 | $ 78,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 444,000 |
| Farmers & Merchants Bank PO BOX 1111 TIMBERVILLE, VA 22853 |
* | $ 665,509,000 | 2 | $ 188,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 2 | $ 331,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 2 | $ 150,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 560,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 2 | $ 40,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 275,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 318,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 2 | $ 190,000 |
| Blue Eagle Credit Union 2121 ELECTRIC RD ROANOKE, VA 24018 |
* | $ 137,910,000 | 2 | $ 199,000 |
| First Bank and Trust Company PO BOX 1000 ABINGDON, VA 24212 |
* | $ 1,503,624,000 | 2 | $ 171,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 6,296,584,000 | 2 | $ 655,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 264,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 200,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ 41,332,772,000 | 1 | $ 100,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 120,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 144,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 1 | $ 200,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 212,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 182,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 1 | $ 234,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ 2,157,000 | 1 | $ 230,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,893,968,000 | 1 | $ 185,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 280,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 408,000 |
| C&F Mortgage Corporation 1400 ALVERSER DRIVE MIDLOTHIAN, VA 23113 |
* | $ 189,567,000 | 1 | $ 129,000 |
| Forethought Life Insurance Co 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ 100,000,000 | 1 | $ 70,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 81,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 255,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 73,000 |
| Mason-Mcduffie Mortgage Corporation 2010 CROW CANYON PLACE, #400 SAN RAMON, CA 94583 |
* | $ 1,300,000 | 1 | $ 115,000 |
| Watermark Capital, Inc. 100 SPECTRUM CENTER DR STE 150 IRVINE, CA 92618 |
* | $ 56,337,000 | 1 | $ 354,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ 26,494,000 | 1 | $ 127,000 |
| Private Bank of Buckhead 3565 PIEDMONT ROAD, BLDG 3, STE 210 ATLANTA, GA 30305 |
* | $ 280,450,000 | 1 | $ 200,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 1 | $ 369,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 351,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 285,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 135,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 198,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,882,500,000 | 1 | $ 415,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 9,622,999,000 | 1 | $ 6,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 625,428,000 | 1 | $ 105,000 |
| Bank of the James 828 MAIN STREET LYNCHBURG, VA 24504 |
* | $ 527,465,000 | 1 | $ 285,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,502,221,000 | 1 | $ 390,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ 761,809,000 | 1 | $ 4,000 |
| Beacon Credit Union 107 LEROY BOWEN DR LYNCHBURG, VA 24502 |
* | $ 154,404,000 | 1 | $ 40,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 190,000 |
| The Freedom Bank of Virginia 10555 MAIN STREET FAIRFAX, VA 22030 |
* | $ 400,438,000 | 1 | $ 271,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 31,373,540,000 | 1 | $ 230,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 246,485,756,000 | 1 | $ 1,289,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,099,687,000 | 1 | $ 172,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 1 | $ 156,000 |
| Fulton Bank, National Association ONE PENN SQUARE LANCASTER, PA 17602 |
* | $ 9,847,293,000 | 1 | $ 417,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 8,231,396,000 | 1 | $ 77,000 |
The tables below break down 2016 mortgage applications in Rockbridge County, VA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Rockbridge County, VA in 2016
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 |
|---|---|---|---|---|---|---|
| Refinancing | 469 | $90,188,000 | $192,000 | $1,289,000 | $63,000 | $850,000 |
| Home Purchase | 298 | $54,478,000 | $182,000 | $700,000 | $69,000 | $294,000 |
| Home Improvement | 74 | $5,043,000 | $68,000 | $525,000 | $67,000 | $354,000 |
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 | 681 | $121,329,000 | $178,000 | $1,289,000 | $70,000 | $850,000 |
| Not applicable | 64 | $11,645,000 | $181,000 | $390,000 | $11,000 | $134,000 |
| Not Provided | 56 | $10,801,000 | $192,000 | $575,000 | $69,000 | $270,000 |
| Black or African American | 17 | $1,513,000 | $89,000 | $219,000 | $42,000 | $81,000 |
| Hispanic | 15 | $3,037,000 | $202,000 | $629,000 | $69,000 | $135,000 |
| American Indian or Alaskan Native | 5 | $746,000 | $149,000 | $300,000 | $64,000 | $199,000 |
| Asian | 3 | $638,000 | $212,000 | $270,000 | $70,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 567 | $97,452,000 | $171,000 | $1,289,000 | $74,000 | $850,000 |
| VA-guaranteed (Veterans Administration) | 121 | $31,055,000 | $256,000 | $739,000 | $60,000 | $287,000 |
| FHA-insured (Federal Housing Administration) | 102 | $14,494,000 | $142,000 | $276,000 | $35,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $6,708,000 | $131,000 | $294,000 | $35,000 | $101,000 |
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 | 438 | $81,756,000 | $186,000 | $637,000 | $73,000 | $287,000 |
| Application Denied By Financial Institution | 168 | $27,176,000 | $161,000 | $1,289,000 | $65,000 | $850,000 |
| Loan Purchased By The Institution | 97 | $19,542,000 | $201,000 | $471,000 | $40,000 | $274,000 |
| Application Withdrawn By Applicant | 80 | $12,857,000 | $160,000 | $438,000 | $63,000 | $193,000 |
| File Closed For Incompleteness | 37 | $5,883,000 | $159,000 | $739,000 | $53,000 | $294,000 |
| Application Approved But Not Accepted | 21 | $2,495,000 | $118,000 | $270,000 | $54,000 | $142,000 |
| 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 | 26 | $2,438,000 | $93,000 | $360,000 | $37,000 | $96,000 |
| Debt-To-Income Ratio | 22 | $3,998,000 | $181,000 | $700,000 | $59,000 | $194,000 |
| Collateral | 22 | $5,247,000 | $238,000 | $1,289,000 | $146,000 | $850,000 |
| Other | 11 | $1,284,000 | $116,000 | $425,000 | $69,000 | $179,000 |
| Credit Application Incomplete | 7 | $872,000 | $124,000 | $263,000 | $50,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $425,000 | $141,000 | $221,000 | $57,000 | $74,000 |
| Unverifiable Information | 1 | $3,000 | $3,000 | $3,000 | $54,000 | $54,000 |
| Employment History | 1 | $48,000 | $48,000 | $48,000 | $29,000 | $29,000 |
| 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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