Saline County, KS Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,132 mortgage applications in Saline County, KS totaling $190.3 million, up 11% from 2024. The average application was for $168,000, and applicants reported an average income of $99,000. 54% of applications resulted in an originated loan and 14% were denied. The most active lender was The Bennington State Bank, with 83 applications, followed by Nbh Bank and PennyMac Loan Services LLC.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,132
Total Mortgage Loan Application Amount $190,320,000
Average Mortgage Loan Application Amount $168,000
Highest Mortgage Loan Application Amount $2,555,000
Average Applicant Income $99,000
Highest Applicant Income $1,217,000

Mortgage Company List for Lending in Saline County, KS for 2025

* 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
The Bennington State Bank
2130 SOUTH OHIO, P.O. BOX 1280
SALINA, KS 67402
* $ n/a 83 $ 16,565,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ n/a 72 $ 12,070,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 70 $ 13,430,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 47 $ 11,935,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 36 $ 8,470,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 26 $ 5,470,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ n/a 26 $ 2,940,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 26 $ 4,900,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ n/a 25 $ 4,765,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 22 $ 3,980,000
Great Plains Federal Credit Union
2306 S RANGE LINE RD
JOPLIN, MO 64804
* $ n/a 22 $ 1,660,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 22 $ 680,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ n/a 19 $ 3,485,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 19 $ 4,165,000
Credit Union of America
711 W DOUGLAS
WICHITA, KS 67226
* $ n/a 19 $ 1,255,000
Peoples Bank and Trust Co
101 S MAIN ST
MCPHERSON, KS 67460
* $ n/a 18 $ 3,030,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 18 $ 1,440,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 18 $ 3,010,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 18 $ 1,830,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 16 $ 2,380,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 15 $ 2,775,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 14 $ 3,200,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 14 $ 600,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 14 $ 2,080,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 14 $ 3,160,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 13 $ 1,305,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 12 $ 2,090,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 12 $ 2,520,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 11 $ 1,165,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 10 $ 280,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 10 $ 790,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 10 $ 1,360,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 455,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 9 $ 1,545,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 9 $ 945,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 9 $ 415,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 8 $ 1,900,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 720,000
Central National Bank
100 RIMROCK DRIVE
JUNCTION CITY, KS 66441
* $ n/a 7 $ 1,465,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ n/a 7 $ 415,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 6 $ 790,000
Golden Plains Credit Union
1714 EAST KANSAS AVENUE
GARDEN CITY, KS 67846
* $ n/a 6 $ 450,000
Meritrust Federal Credit Union
8710 E 32ND ST NORTH
WICHITA, KS 67202
* $ n/a 6 $ 1,070,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 6 $ 1,550,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 875,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 5 $ 905,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 465,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 5 $ 695,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 5 $ 845,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 675,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 5 $ 425,000
Esb Financial
801 MERCHANT
EMPORIA, KS 66801
* $ n/a 5 $ 3,175,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 840,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 710,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 4 $ 630,000
Regent Financial Group
1910 S 72ND STREET, STE. 103
OMAHA, NE 68135
* $ n/a 4 $ 800,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 3 $ 595,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 385,000
Bank of Commerce
101 W MAIN
CHANUTE, KS 66720
* $ n/a 3 $ 2,565,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 3 $ 855,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 3 $ 325,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 265,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 295,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 3 $ 215,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 3 $ 665,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ n/a 3 $ 635,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 3 $ 2,225,000
Pinnacle Bank
20544 HWY 370
LINCOLN, NE 68508
* $ n/a 3 $ 335,000
Red Diamond Home Loans, LLC
165 S KIMBALL AVE SUITE 100
SOUTHLAKE, TX 76092
* $ n/a 3 $ 395,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ n/a 2 $ 600,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 2 $ 490,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ n/a 2 $ 290,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 340,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 100,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 450,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 2 $ 100,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 2 $ 590,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 240,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 270,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 380,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 740,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 490,000
Communication Federal Credit Union
4141 NW EXPRESSWAY, SUITE 200
OKLAHOMA CITY, OK 73116
* $ n/a 2 $ 310,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 440,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ n/a 2 $ 290,000
Wichita Federal Credit Union
9835 E 21ST ST N
WICHITA, KS 67206
* $ n/a 2 $ 370,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ n/a 2 $ 300,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 75,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ n/a 1 $ 65,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 175,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 35,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 185,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 115,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 245,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 265,000
Re Investment Loans LLC

GREENWOOD VILLAGE, CO 80112
* $ n/a 1 $ 205,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ n/a 1 $ 205,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 1 $ 125,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ n/a 1 $ 25,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 465,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 45,000
Premier Bank
16802 BURKE ST
OMAHA, NE 68118
* $ n/a 1 $ 95,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 135,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 1 $ 135,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 195,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 235,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ n/a 1 $ 15,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 85,000
Mid America Bank
802 AMES STREET
BALDWIN CITY, KS 66006
* $ n/a 1 $ 225,000
Bank of the Flint Hills
806 W 5TH ST, PO BOX 226
WAMEGO, KS 66547
* $ n/a 1 $ 65,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 1 $ 135,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ n/a 1 $ 45,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ n/a 1 $ 225,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 205,000
Arvest Bank

TULSA, OK 74103
* $ n/a 1 $ 235,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 215,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 395,000
Outdoor Bank
2401 N SETH CHILD RD
MANHATTAN, KS 66503
* $ n/a 1 $ 25,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ n/a 1 $ 385,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ n/a 1 $ 185,000
Riley State Bank
201 S BROADWAY ST
RILEY, KS 66531
* $ n/a 1 $ 35,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ n/a 1 $ 225,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 75,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 55,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 235,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 1 $ 225,000
Cornerstone Bank
9120 W 135TH ST
OVERLAND PARK, KS 66221
* $ n/a 1 $ 185,000
United Bank & Trust
823 BROADWAY
MARYSVILLE, KS 66508
* $ n/a 1 $ 45,000
Community National Bank & Trust
14 N LINCOLN
CHANUTE, KS 66720
* $ n/a 1 $ 385,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 115,000
The Valley State Bank
502 N MERCHANT
BELLE PLAINE, KS 67013
* $ n/a 1 $ 405,000
Azura Credit Union
610 SW 10TH AVENUE
TOPEKA, KS 66612
* $ n/a 1 $ 5,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 95,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 215,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 255,000
Security Bank of Kansas City
701 MINNESOTA AVENUE
KANSAS CITY, KS 66101
* $ n/a 1 $ 95,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 105,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 155,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 75,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 65,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 165,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 65,000
Community National Bank
210 MAIN ST
SENECA, KS 66538
* $ n/a 1 $ 175,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 435,000
First National Bank of Hutchinson
1 N MAIN ST
HUTCHINSON, KS 67501
* $ n/a 1 $ 105,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ n/a 1 $ 255,000
The Citizens State Bank
201 S CHRISTIAN, PO BOX 110
MOUNDRIDGE, KS 67107
* $ n/a 1 $ 45,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 185,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 195,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 135,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 165,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 215,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 105,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ n/a 1 $ 425,000
Emprise Bank
257 N BROADWAY
WICHITA, KS 67202
* $ n/a 1 $ 55,000

The tables below break down 2025 mortgage applications in Saline 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 Saline County, KS in 2025

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 603 $111,245,000 $184,000 $1,245,000 $99,000 $1,217,000
Cash-out Refinancing 214 $32,000,000 $149,000 $905,000 $89,000 $364,000
Refinancing 164 $37,270,000 $227,000 $2,555,000 $113,000 $555,000
Other Purpose 87 $5,805,000 $66,000 $265,000 $98,000 $301,000
Home Improvement 63 $3,935,000 $62,000 $295,000 $107,000 $418,000
Not Applicable 1 $65,000 $65,000 $65,000 $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 676 $109,660,000 $162,000 $905,000 $100,000 $1,217,000
Not applicable 182 $36,980,000 $203,000 $2,555,000 $125,000 $205,000
Not Provided 117 $19,745,000 $168,000 $1,245,000 $95,000 $429,000
Hispanic 93 $12,625,000 $135,000 $465,000 $86,000 $364,000
Black or African American 36 $6,070,000 $168,000 $375,000 $93,000 $242,000
Asian 16 $3,380,000 $211,000 $405,000 $143,000 $300,000
American Indian or Alaskan Native 9 $855,000 $95,000 $145,000 $67,000 $145,000
Native Hawaiian or Other Pacific Islander 3 $1,005,000 $335,000 $375,000 $140,000 $140,000

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) 687 $97,845,000 $142,000 $2,555,000 $102,000 $834,000
FHA-insured (Federal Housing Administration) 258 $44,510,000 $172,000 $475,000 $82,000 $1,217,000
VA-guaranteed (Veterans Administration) 187 $47,965,000 $256,000 $905,000 $107,000 $429,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

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 610 $109,580,000 $179,000 $2,555,000 $102,000 $1,217,000
Application Denied By Financial Institution 161 $19,705,000 $122,000 $705,000 $83,000 $364,000
Loan Purchased By The Institution 150 $25,310,000 $168,000 $495,000 $112,000 $205,000
Application Withdrawn By Applicant 134 $23,990,000 $179,000 $905,000 $101,000 $555,000
File Closed For Incompleteness 41 $5,905,000 $144,000 $475,000 $98,000 $300,000
Application Approved But Not Accepted 36 $5,830,000 $161,000 $335,000 $97,000 $240,000
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
Not applicable 873 $150,675,000 $172,000 $1,685,000 $101,000 $1,217,000
Debt-To-Income Ratio 139 $24,925,000 $179,000 $2,555,000 $106,000 $418,000
Credit History 45 $5,405,000 $120,000 $375,000 $85,000 $301,000
Collateral 24 $2,830,000 $117,000 $475,000 $69,000 $180,000
Credit Application Incomplete 23 $2,485,000 $108,000 $475,000 $92,000 $176,000
Other 21 $3,015,000 $143,000 $375,000 $73,000 $131,000
Unverifiable Information 3 $525,000 $175,000 $285,000 $70,000 $111,000
Insufficient Cash (Downpayment, Closing Cost) 3 $435,000 $145,000 $275,000 $75,000 $141,000
Employment History 1 $25,000 $25,000 $25,000 $31,000 $31,000
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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