Sanpete County, UT Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 2,324 mortgage applications in Sanpete County, UT totaling $518.6 million, down 7% from 2020. The average application was for $223,000, and applicants reported an average income of $84,000. 61% of applications resulted in an originated loan and 9% were denied. The most active lender was United Wholesale Mortgage, with 269 applications, followed by Mountain America Federal Credit Union and Securitynational Mortgage Company.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Utah.
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 2,324
Total Mortgage Loan Application Amount $518,550,000
Average Mortgage Loan Application Amount $223,000
Highest Mortgage Loan Application Amount $2,005,000
Average Applicant Income $84,000
Highest Applicant Income $1,084,000

Mortgage Company List for Lending in Sanpete County, UT for 2021

* 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
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 269 $ 70,955,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 9,348,808,000 253 $ 38,995,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 243 $ 54,675,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 87 $ 17,965,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 69,171,552,000 80 $ 14,620,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 72 $ 18,320,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ 11,712,644,000 56 $ 9,040,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 54 $ 10,770,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 54 $ 13,700,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 44 $ 9,430,000
Utah Community Credit Union
188 WEST RIVER PARK DRIVE
PROVO, UT 84604
* $ 1,679,503,000 43 $ 8,065,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 42 $ 10,060,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ -1,000 41 $ 10,485,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 38 $ 6,610,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ 1,407,956,000 37 $ 9,135,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 34 $ 8,630,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 32 $ 7,370,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 28 $ 7,170,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 27 $ 6,615,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 27 $ 6,505,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 26 $ 7,530,000
Mountain West Financial, Inc.
1209 NEVADA ST. SUITE 200
REDLANDS, CA 92374
* $ -1,000 26 $ 7,170,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 25 $ 5,815,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 21 $ 4,195,000
State Bank of Southern Utah
377 N MAIN
CEDAR CITY, UT 84721
* $ 1,259,099,000 21 $ 5,095,000
Security Home Mortgage
576 SOUTH STATE STREET
OREM, UT 84058
* $ -1,000 20 $ 5,240,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ 1,742,042,000 17 $ 2,005,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 16 $ 3,550,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 16 $ 3,060,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 15 $ 3,185,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 15 $ 3,805,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 14 $ 2,970,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 14 $ 3,990,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 13 $ 3,295,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 13 $ 2,895,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 12 $ 3,140,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 10 $ 2,840,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 10 $ 1,890,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 10 $ 2,020,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 10 $ 1,870,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 10 $ 2,210,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 10 $ 1,880,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 9 $ 2,245,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 9 $ 2,295,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 9 $ 2,635,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 1,390,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 8 $ 550,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,920,000
Western Express Lending
1 SPECTRUM POINTE DR SUITE 200
LAKE FOREST, CA 92630
* $ -1,000 8 $ 1,730,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 8 $ 2,180,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 2,070,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 7 $ 1,805,000
Utah Mortgage Loan Corporation
3300 N TRIUMPH BLVD #100
LEHI, UT 84043
* $ -1,000 7 $ 1,825,000
Direct Mortgage Corp
13894 S BANGERTER PARKWAY SUITE 200
DRAPER, UT 84020
* $ -1,000 7 $ 2,065,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 1,525,000
Granite Federal Credit Union
3675 S 900 E
SALT LAKE CITY, UT 84106
* $ 512,788,000 7 $ 935,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 7 $ 1,565,000
Utah Power Credit Union
957 E 6600 S
SALT LAKE CITY, UT 84121
* $ 726,237,000 6 $ 1,020,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 1,450,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 1,050,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 6 $ 1,810,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 6 $ 1,840,000
Canyon View Credit Union
PO BOX 58025
SALT LAKE CITY, UT 84158
* $ 1,174,154,000 6 $ 860,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 6 $ 1,860,000
Cyprus Federal Credit Union
3876 W. CENTERVIEW WAY
WEST JORDAN, UT 84084
* $ 1,149,915,000 6 $ 1,630,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 6 $ 1,040,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 5 $ 1,185,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 5 $ 1,005,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 5 $ 1,575,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 5,893,793,000 5 $ 1,535,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 1,180,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 4 $ 750,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 4 $ 1,120,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 13,673,038,000 4 $ 1,920,000
Deseret First Credit Union
3999 PARKWAY BOULEVARD
WEST VALLEY CITY, UT 84120
* $ 712,986,000 4 $ 560,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ 1,423,151,000 4 $ 1,010,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 9,823,931,000 4 $ 400,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 4 $ 920,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 680,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 139,109,000 4 $ 770,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 935,000
Everlend Mortgage Company
5300 SOUTH 360 WEST, SUITE 350
SALT LAKE CITY, UT 84123
* $ -1,000 3 $ 585,000
Central Bank
95 NORTH UNIVERSITY AVE
PROVO, UT 84601
* $ 1,195,612,000 3 $ 475,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 3 $ 755,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 435,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 645,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 3 $ 935,000
My Move Mortgage, LLC
MY MOVE MORTGAGE, LLC
SANDY, UT 84070
* $ -1,000 3 $ 485,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 3 $ 785,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 635,000
Rock Canyon Bank
215 W 2230 NORTH
PROVO, UT 84604
* $ 507,370,000 3 $ 1,335,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 2 $ 730,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 2 $ 240,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ -1,000 2 $ 500,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 410,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 440,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 400,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 2 $ 410,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 270,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 600,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 2 $ 1,050,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 2 $ 550,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 2 $ 700,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 285,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 1 $ 595,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 175,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 205,000
Genhome Mortgage Corporation

IRVINE, CA 92614
* $ -1,000 1 $ 205,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 1 $ 245,000
Sourceone Financial, Inc.
400 NORTH BALD MOUNTAIN DRIVE
ALPINE, UT 84004
* $ -1,000 1 $ 505,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 1 $ 145,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 165,000
Transwest Credit Union
37 WEST 1700 SOUTH
SALT LAKE CITY, UT 84115
* $ 146,976,000 1 $ 355,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 195,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 1 $ 355,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 115,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 155,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ -1,000 1 $ 195,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 185,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ -1,000 1 $ 475,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 235,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 165,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 125,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 1 $ 145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 105,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 325,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 109,679,000 1 $ 365,000
Hercules First Federal Credit Union
3141 W 4700 S
TAYLORSVILLE, UT 84129
* $ 101,571,000 1 $ 385,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 335,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 1 $ 255,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 435,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 225,000
Sun American Mortgage Company
4140 E. BASELINE RD., #206
MESA, AZ 85206
* $ -1,000 1 $ 155,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 375,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 85,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,411,656,000 1 $ 145,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 1 $ 2,005,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 295,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 1 $ 105,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 145,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 255,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 305,000

The tables below break down 2021 mortgage applications in Sanpete County, UT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Sanpete County, UT in 2021

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 834 $169,590,000 $203,000 $645,000 $75,000 $541,000
Home Purchase 684 $187,690,000 $274,000 $2,005,000 $93,000 $1,082,000
Cash-out Refinancing 601 $141,345,000 $235,000 $655,000 $82,000 $1,084,000
Home Improvement 116 $9,600,000 $82,000 $355,000 $92,000 $696,000
Other Purpose 83 $9,455,000 $113,000 $425,000 $83,000 $374,000
Not Applicable 6 $870,000 $145,000 $275,000 $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 1,839 $405,095,000 $220,000 $2,005,000 $84,000 $1,082,000
Not applicable 208 $54,020,000 $259,000 $1,135,000 $206,000 $350,000
Not Provided 171 $37,715,000 $220,000 $645,000 $85,000 $1,084,000
Hispanic 76 $16,040,000 $211,000 $655,000 $63,000 $200,000
American Indian or Alaskan Native 15 $2,855,000 $190,000 $375,000 $83,000 $166,000
Native Hawaiian or Other Pacific Islander 7 $1,475,000 $210,000 $285,000 $164,000 $436,000
Black or African American 4 $510,000 $127,000 $195,000 $74,000 $87,000
Asian 2 $540,000 $270,000 $295,000 $70,000 $83,000

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) 1,805 $392,545,000 $217,000 $2,005,000 $88,000 $1,084,000
FHA-insured (Federal Housing Administration) 237 $53,395,000 $225,000 $545,000 $54,000 $131,000
VA-guaranteed (Veterans Administration) 175 $44,725,000 $255,000 $645,000 $68,000 $286,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 107 $27,885,000 $260,000 $485,000 $61,000 $105,000

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 1,422 $317,580,000 $223,000 $2,005,000 $84,000 $1,082,000
Application Withdrawn By Applicant 294 $67,880,000 $230,000 $1,885,000 $90,000 $1,084,000
Loan Purchased By The Institution 230 $57,870,000 $251,000 $715,000 $101,000 $350,000
Application Denied By Financial Institution 211 $40,935,000 $194,000 $645,000 $76,000 $541,000
File Closed For Incompleteness 125 $25,745,000 $205,000 $495,000 $76,000 $479,000
Application Approved But Not Accepted 40 $8,000,000 $200,000 $805,000 $90,000 $656,000
Preapproval Approved but not Accepted 1 $295,000 $295,000 $295,000 $47,000 $47,000
Preapproval Denied by Financial Institution 1 $245,000 $245,000 $245,000 $40,000 $40,000

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 2,109 $476,035,000 $225,000 $2,005,000 $84,000 $1,084,000
Debt-To-Income Ratio 63 $14,275,000 $226,000 $675,000 $57,000 $369,000
Credit History 50 $8,510,000 $170,000 $445,000 $79,000 $368,000
Collateral 44 $7,850,000 $178,000 $425,000 $102,000 $366,000
Credit Application Incomplete 21 $4,185,000 $199,000 $605,000 $65,000 $198,000
Other 20 $3,900,000 $195,000 $525,000 $60,000 $156,000
Unverifiable Information 12 $2,310,000 $192,000 $545,000 $107,000 $541,000
Employment History 3 $975,000 $325,000 $405,000 $93,000 $180,000
Insufficient Cash (Downpayment, Closing Cost) 2 $510,000 $255,000 $295,000 $53,000 $56,000
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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