Rutland County, VT Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,657 mortgage applications in Rutland County, VT totaling $247.5 million, down 10% from 2016. The average application was for $149,000, and applicants reported an average income of $86,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was People's United Bank, with 132 applications, followed by Vermont State Employees and US Bank, N.A..
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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 | 1,657 |
| Total Mortgage Loan Application Amount | $247,543,000 |
| Average Mortgage Loan Application Amount | $149,000 |
| Highest Mortgage Loan Application Amount | $1,760,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $4,036,000 |
* 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 |
|---|---|---|---|---|
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 40,287,450,000 | 132 | $ 18,823,000 |
| Vermont State Employees ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 717,208,000 | 118 | $ 13,023,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 83 | $ 10,945,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 83 | $ 16,057,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 74 | $ 10,774,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 59 | $ 9,212,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 269,030,606,000 | 53 | $ 4,827,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 52 | $ 10,266,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 1,754,525,000 | 51 | $ 7,575,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 50 | $ 6,629,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 39 | $ 5,682,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 39 | $ 7,946,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 36 | $ 5,520,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ -1,000 | 30 | $ 4,886,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 30 | $ 5,044,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 29 | $ 4,308,000 |
| National Bank of Middlebury 30 MAIN STREET MIDDLEBURY, VT 05753 |
* | $ 346,316,000 | 24 | $ 3,871,000 |
| Community Bank, N.A. 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,604,114,000 | 23 | $ 2,790,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 22 | $ 3,564,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 22 | $ 3,514,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 21 | $ 2,137,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 21 | $ 3,623,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 19 | $ 1,707,000 |
| Berkshire Bank ALBANY, NY 12207 |
* | $ 9,119,415,000 | 18 | $ 2,092,000 |
| Vermont Federal Credit Union 275 KENNEDY DR SOUTH BURLINGTON, VT 05407 |
* | $ 476,463,000 | 18 | $ 2,030,000 |
| Nbt Bank NA 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,792,872,000 | 17 | $ 2,112,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,599,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 16 | $ 2,058,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 12 | $ 1,751,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 12 | $ 2,211,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 11 | $ 2,233,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 11 | $ 1,624,000 |
| Kittredge Mortgage Corporation 123 BONNET STREET MANCHESTER, VT 05254 |
* | $ -1,000 | 10 | $ 1,651,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 9 | $ 2,122,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 9 | $ 805,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 8 | $ 1,510,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 591,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 7 | $ 811,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 1,175,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 7 | $ 1,375,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,436,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 6 | $ 1,138,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,138,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 6 | $ 726,000 |
| One Credit Union 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 141,736,000 | 5 | $ 1,356,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 511,263,000 | 5 | $ 458,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 1,091,045,000 | 5 | $ 1,030,000 |
| Northfield Savings Bank 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 904,883,000 | 5 | $ 747,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 1,012,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 0 | 4 | $ 844,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 4 | $ 572,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 4 | $ 657,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 757,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ -1,000 | 4 | $ 716,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 7,568,756,000 | 4 | $ 243,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 409,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 3 | $ 752,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 3 | $ 317,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 3 | $ 756,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 3 | $ 239,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 2 | $ 690,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 540,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 83,094,906,000 | 2 | $ 195,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 508,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 662,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 2 | $ 130,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 248,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 2 | $ 286,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ 0 | 2 | $ 360,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 2 | $ 268,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 369,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 2 | $ 718,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 2 | $ 470,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 2 | $ 520,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 2 | $ 293,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 2 | $ 440,000 |
| First Republic Bank 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 73,277,772,000 | 2 | $ 670,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 2 | $ 235,000 |
| Union Bank 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 690,498,000 | 2 | $ 672,000 |
| Ownerschoice Funding, Inc. 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12203 |
* | $ -1,000 | 2 | $ 220,000 |
| Arrow Bank NA 250 GLEN STREET GLENS FALLS, NY 12801 |
* | $ 2,158,385,000 | 2 | $ 153,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,430,698,000 | 2 | $ 338,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 2 | $ 389,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 561,134,000 | 2 | $ 266,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 326,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 75,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 327,000 |
| United Bank 225 ASYLUM ST HARTFORD, CT 06103 |
* | $ 6,584,834,000 | 1 | $ 296,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 106,169,829,000 | 1 | $ 100,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,020,784,000 | 1 | $ 115,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,456,661,000 | 1 | $ 243,000 |
| Eastrise Federal Credit Union 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,173,036,000 | 1 | $ 64,000 |
| Congressional Federal Credit Union 10461 WHITE GRANITE DRIVE OAKTON, VA 22124 |
* | $ 905,724,000 | 1 | $ 50,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 101,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 182,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 256,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 52,958,000,000 | 1 | $ 160,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 208,000 |
| Citadel Servicing Corporation 15707 ROCKFIELD BLVD STE 320 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 296,000 |
| Marquette Bank 6316 S WESTERN AVE CHICAGO, IL 60636 |
* | $ 1,557,778,000 | 1 | $ 101,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ -1,000 | 1 | $ 226,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 249,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 129,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 1 | $ 305,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 3,842,089,000 | 1 | $ 332,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ -1,000 | 1 | $ 35,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 1 | $ 89,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ -1,000 | 1 | $ 152,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 175,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ 101,629,820,000 | 1 | $ 10,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 117,000 |
| General Electric Employees Federal Credit Union 265 SUB WAY 265 SUB WAY, CT 06461 |
* | $ 203,366,000 | 1 | $ 140,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 145,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,524,000 | 1 | $ 198,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 338,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 125,000 |
| Envision Bank 10 CABOT PLACE STOUGHTON, MA 02072 |
* | $ 481,161,000 | 1 | $ 197,000 |
| Monson Savings Bank 146 MAIN STREET MONSON, MA 01057 |
* | $ 340,031,000 | 1 | $ 194,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 140,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 316,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 127,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 92,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,850,010,000 | 1 | $ 188,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 118,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 67,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 197,206,045,000 | 1 | $ 345,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ 0 | 1 | $ 73,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ 0 | 1 | $ 172,000 |
The tables below break down 2017 mortgage applications in Rutland County, VT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Rutland County, VT 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 | 838 | $132,371,000 | $157,000 | $944,000 | $87,000 | $1,300,000 |
| Refinancing | 678 | $103,167,000 | $152,000 | $1,760,000 | $87,000 | $4,036,000 |
| Home Improvement | 141 | $12,005,000 | $85,000 | $490,000 | $74,000 | $533,000 |
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 | 1,245 | $185,396,000 | $148,000 | $1,760,000 | $93,000 | $4,036,000 |
| Not Provided | 188 | $28,094,000 | $149,000 | $546,000 | $104,000 | $1,300,000 |
| Not applicable | 172 | $26,612,000 | $154,000 | $613,000 | $8,000 | $179,000 |
| Hispanic | 20 | $2,806,000 | $140,000 | $320,000 | $131,000 | $600,000 |
| American Indian or Alaskan Native | 11 | $1,346,000 | $122,000 | $203,000 | $43,000 | $101,000 |
| Asian | 9 | $1,350,000 | $150,000 | $303,000 | $78,000 | $197,000 |
| Black or African American | 7 | $1,178,000 | $168,000 | $424,000 | $126,000 | $249,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $761,000 | $152,000 | $265,000 | $56,000 | $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) | 1,183 | $173,045,000 | $146,000 | $1,760,000 | $101,000 | $4,036,000 |
| FHA-insured (Federal Housing Administration) | 249 | $35,745,000 | $143,000 | $613,000 | $51,000 | $241,000 |
| VA-guaranteed (Veterans Administration) | 161 | $29,782,000 | $184,000 | $351,000 | $53,000 | $384,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 64 | $8,971,000 | $140,000 | $290,000 | $29,000 | $74,000 |
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 | 847 | $128,811,000 | $152,000 | $1,760,000 | $100,000 | $4,036,000 |
| Application Denied By Financial Institution | 289 | $38,501,000 | $133,000 | $944,000 | $65,000 | $501,000 |
| Loan Purchased By The Institution | 209 | $34,325,000 | $164,000 | $613,000 | $44,000 | $713,000 |
| Application Withdrawn By Applicant | 164 | $25,194,000 | $153,000 | $546,000 | $103,000 | $1,255,000 |
| File Closed For Incompleteness | 82 | $11,122,000 | $135,000 | $359,000 | $84,000 | $391,000 |
| Application Approved But Not Accepted | 66 | $9,590,000 | $145,000 | $546,000 | $91,000 | $503,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 57 | $7,998,000 | $140,000 | $345,000 | $57,000 | $384,000 |
| Collateral | 50 | $7,617,000 | $152,000 | $380,000 | $88,000 | $228,000 |
| Credit History | 42 | $3,964,000 | $94,000 | $400,000 | $52,000 | $220,000 |
| Credit Application Incomplete | 27 | $3,128,000 | $115,000 | $252,000 | $81,000 | $501,000 |
| Other | 17 | $1,466,000 | $86,000 | $161,000 | $66,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $768,000 | $128,000 | $220,000 | $49,000 | $56,000 |
| Employment History | 2 | $239,000 | $119,000 | $126,000 | $54,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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