San Juan County, NM Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 3,281 mortgage applications in San Juan County, NM totaling $599.2 million, up 11% from 2023. The average application was for $182,000, and applicants reported an average income of $96,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 289 applications, followed by 21st Mortgage and Guild Mortgage Company.

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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 3,281
Total Mortgage Loan Application Amount $599,165,000
Average Mortgage Loan Application Amount $182,000
Highest Mortgage Loan Application Amount $1,895,000
Average Applicant Income $96,000
Highest Applicant Income $1,585,000

Mortgage Company List for Lending in San Juan County, NM for 2024

* 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 289 $ 38,175,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 270 $ 36,960,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 183 $ 28,755,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 170 $ 28,120,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 131 $ 29,285,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 130 $ 32,660,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 121 $ 21,315,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 116 $ 26,510,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 93 $ 18,665,000
The Citizens Bank
500 W BROADWAY
FARMINGTON, NM 87401
* $ n/a 93 $ 22,925,000
Sunward
3707 JUAN TABO NE
ALBUQUERQUE, NM 87109
* $ n/a 88 $ 8,140,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 81 $ 21,355,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 78 $ 6,090,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 62 $ 9,150,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 61 $ 18,115,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 55 $ 14,125,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 55 $ 9,455,000
U.S. Eagle Federal Credit Union
5201 ANTEQUERA NW
ALBUQUERQUE, NM 87120
* $ n/a 54 $ 4,460,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 43 $ 10,275,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 40 $ 4,800,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 38 $ 3,930,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 35 $ 4,435,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 35 $ 5,395,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 33 $ 7,085,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 32 $ 7,450,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 31 $ 6,165,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 30 $ 10,010,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 26 $ 5,720,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 26 $ 1,620,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 26 $ 7,180,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 26 $ 4,850,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 19 $ 3,895,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 19 $ 3,635,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 18 $ 4,610,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 18 $ 920,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 17 $ 2,895,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 15 $ 2,035,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 15 $ 3,725,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 14 $ 2,680,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 14 $ 3,870,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ n/a 14 $ 1,330,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 14 $ 1,950,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 14 $ 2,620,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 13 $ 3,215,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 12 $ 3,890,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 11 $ 1,805,000
Bank of Colorado
1609 EAST HARMONY RD
FORT COLLINS, CO 80525
* $ n/a 10 $ 3,360,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 10 $ 1,430,000
Bank of the Southwest
226 N MAIN ST
ROSWELL, NM 88201
* $ n/a 9 $ 3,335,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 9 $ 995,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 9 $ 1,835,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 2,145,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 9 $ 995,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 9 $ 2,595,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 8 $ 1,460,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 8 $ 1,550,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 8 $ 1,260,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 7 $ 1,235,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 7 $ 1,135,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 7 $ 1,365,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 7 $ 1,555,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 7 $ 1,375,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 7 $ 1,615,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 7 $ 1,835,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 6 $ 1,570,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 6 $ 1,370,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ n/a 6 $ 1,780,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 5 $ 575,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 5 $ 665,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 5 $ 615,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 4 $ 1,670,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 4 $ 430,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 630,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 4 $ 600,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 4 $ 1,060,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 4 $ 1,300,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 4 $ 340,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 3 $ 575,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 3 $ 395,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 885,000
Kirtland Federal Credit Union
6440 GIBSON BLVD SE
ALBUQUERQUE, NM 87108
* $ n/a 3 $ 95,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 3 $ 695,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 3 $ 735,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 3 $ 365,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 3 $ 405,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 3 $ 735,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 3 $ 1,185,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 3 $ 905,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 650,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 460,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 2 $ 490,000
Tbk Bank, SSB
12700 PARK CENTRAL DRIVE STE #1700
DALLAS, TX 75251
* $ n/a 2 $ 390,000
Del Norte Credit Union
PO BOX 1180
LOS ALAMOS, NM 87544
* $ n/a 2 $ 510,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 2 $ 210,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 2 $ 360,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 340,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 2 $ 190,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 670,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 2 $ 650,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ n/a 2 $ 250,000
Alliance Credit Union
8401 QUAKER AVE
LUBBOCK, TX 79424
* $ n/a 2 $ 370,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ n/a 2 $ 610,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 2 $ 560,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 420,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 910,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 2 $ 640,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 230,000
Gardner Financial Services
3503 PAESANOS PKWY
SAN ANTONIO, TX 78259
* $ n/a 2 $ 750,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 2 $ 520,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 2 $ 290,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 620,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ n/a 2 $ 620,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 255,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 365,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 195,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 65,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 505,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 225,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 385,000
Orchard Mortgage, LLC
8900 BUSINESS PARK DR
AUSTIN, TX 78705
* $ n/a 1 $ 375,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 115,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 215,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 1 $ 55,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ n/a 1 $ 235,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ n/a 1 $ 105,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 305,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 205,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 265,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 265,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 105,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 185,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ n/a 1 $ 295,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 1 $ 15,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 295,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 375,000
Valley West Corporation
8010 W SAHARA AVE SUITE #140
LAS VEGAS, NV 89117
* $ n/a 1 $ 205,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 325,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ n/a 1 $ 185,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 155,000
Sun American Mortgage Company
4140 E. BASELINE RD., #206
MESA, AZ 85206
* $ n/a 1 $ 65,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 205,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 1 $ 5,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 235,000
Colorado Federal Savings Bank
8400 E PRENTICE AVE STE 840
ENGLEWOOD, CO 80111
* $ n/a 1 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 165,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 235,000
Credit Union of Colorado, A Federal Credit Union
1390 LOGAN STREET
DENVER, CO 80217
* $ n/a 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 155,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 305,000
Sandia Area Federal Credit Uni
PO BOX 18044
ALBUQUERQUE, NM 87185
* $ n/a 1 $ 45,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 1 $ 105,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 195,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 1 $ 235,000
Nuvision Federal Credit Union
7812 EDINGER AVENUE
HUNTINGTON BEACH, CA 92677
* $ n/a 1 $ 25,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ n/a 1 $ 195,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ n/a 1 $ 45,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 205,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ n/a 1 $ 225,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 1 $ 205,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 165,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 75,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 315,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 1 $ 25,000

The tables below break down 2024 mortgage applications in San Juan County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for San Juan County, NM in 2024

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 2,013 $398,985,000 $198,000 $1,895,000 $94,000 $1,585,000
Cash-out Refinancing 561 $107,855,000 $192,000 $655,000 $96,000 $979,000
Other Purpose 314 $26,430,000 $84,000 $1,105,000 $104,000 $474,000
Refinancing 232 $53,040,000 $228,000 $625,000 $108,000 $651,000
Home Improvement 149 $11,645,000 $78,000 $515,000 $101,000 $624,000
Not Applicable 12 $1,210,000 $100,000 $235,000 $60,000 $60,000

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 1,327 $246,785,000 $185,000 $1,895,000 $106,000 $1,585,000
American Indian or Alaskan Native 660 $100,270,000 $151,000 $625,000 $77,000 $293,000
Hispanic 611 $104,755,000 $171,000 $655,000 $90,000 $426,000
Not Provided 387 $68,165,000 $176,000 $615,000 $93,000 $497,000
Not applicable 263 $70,525,000 $268,000 $1,465,000 $353,000 $1,585,000
Asian 20 $4,840,000 $242,000 $785,000 $170,000 $418,000
Black or African American 10 $3,020,000 $302,000 $415,000 $122,000 $203,000
Native Hawaiian or Other Pacific Islander 3 $805,000 $268,000 $505,000 $176,000 $254,000

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) 2,192 $327,980,000 $149,000 $1,895,000 $98,000 $1,585,000
FHA-insured (Federal Housing Administration) 678 $165,680,000 $244,000 $505,000 $89,000 $369,000
VA-guaranteed (Veterans Administration) 368 $100,960,000 $274,000 $625,000 $95,000 $385,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 43 $4,545,000 $105,000 $355,000 $78,000 $126,000

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 1,431 $278,755,000 $194,000 $1,895,000 $108,000 $1,585,000
Application Denied By Financial Institution 762 $108,820,000 $142,000 $725,000 $77,000 $424,000
Application Withdrawn By Applicant 461 $85,445,000 $185,000 $605,000 $95,000 $407,000
File Closed For Incompleteness 263 $39,055,000 $148,000 $1,105,000 $81,000 $474,000
Loan Purchased By The Institution 255 $68,195,000 $267,000 $705,000 $226,000 $1,585,000
Application Approved But Not Accepted 105 $17,715,000 $168,000 $625,000 $95,000 $336,000
Preapproval Approved but not Accepted 4 $1,180,000 $295,000 $505,000 $154,000 $343,000
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 2,392 $463,020,000 $193,000 $1,465,000 $99,000 $1,585,000
Debt-To-Income Ratio 326 $55,560,000 $170,000 $1,895,000 $99,000 $870,000
Credit History 321 $45,865,000 $142,000 $505,000 $77,000 $408,000
Credit Application Incomplete 77 $9,865,000 $128,000 $615,000 $93,000 $240,000
Collateral 62 $8,140,000 $131,000 $495,000 $107,000 $424,000
Other 41 $7,045,000 $171,000 $475,000 $95,000 $256,000
Unverifiable Information 33 $4,215,000 $127,000 $365,000 $81,000 $181,000
Insufficient Cash (Downpayment, Closing Cost) 25 $4,765,000 $190,000 $365,000 $85,000 $230,000
Employment History 4 $690,000 $172,000 $355,000 $59,000 $89,000
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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