Santa Cruz County, AZ Mortgage Lenders & HMDA Data, 2009

In 2009, lenders reported 2,403 mortgage applications in Santa Cruz County, AZ totaling $381.2 million, down 20% from 2008. The average application was for $158,000, and applicants reported an average income of $64,000. 35% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank, NA, with 442 applications, followed by Bank of America, N.A. and JPMorgan Chase Bank, NA.

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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 2,403
Total Mortgage Loan Application Amount $381,238,000
Average Mortgage Loan Application Amount $158,000
Highest Mortgage Loan Application Amount $1,060,000
Average Applicant Income $64,000
Highest Applicant Income $1,689,000

Mortgage Company List for Lending in Santa Cruz County, AZ for 2009

* 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
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 538,958,000,000 442 $ 62,425,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,471,631,047,000 282 $ 44,422,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,746,242,000,000 247 $ 33,983,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,157,838,000 105 $ 17,150,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 94 $ 14,833,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,227,040,000,000 86 $ 8,189,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 587,834,000 80 $ 12,172,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 32,882,574,000 75 $ 14,537,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 73 $ 11,903,000
Infinity Funding Plc
1585 E RIVER RD SUITE 201
TUCSON, AZ 85718
* $ 10,000,000 67 $ 9,079,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 117,978,966,000 53 $ 8,882,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 47 $ 7,816,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 46 $ 8,838,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 37 $ 6,620,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 29 $ 4,315,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,098,787,000 26 $ 5,507,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 25 $ 4,486,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 32,584,979,000 24 $ 4,625,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 21,270,147,000 24 $ 3,343,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 23 $ 4,399,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 23 $ 3,494,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 10,273,647,000 21 $ 4,375,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 261,775,591,000 20 $ 4,348,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 140,777,455,000 18 $ 4,522,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 18 $ 3,420,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 16 $ 655,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 55,486,249,000 14 $ 3,915,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,563,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 12 $ 1,313,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 12 $ 3,191,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 11 $ 2,388,000
Washington Federal S&L
425 PIKE STREET
SEATTLE, WA 98101
* $ 12,516,153,000 11 $ 3,049,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 30,307,736,000 10 $ 2,052,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 10 $ 1,158,000
First Credit Union
25 SOUTH ARIZONA PLACE, SUITE 111
CHANDLER, AZ 85225
* $ 474,299,000 10 $ 816,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 9 $ 1,646,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 9 $ 1,374,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,669,297,000 8 $ 514,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 62,251,283,000 8 $ 1,528,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 7 $ 1,013,000
L&G Mortgagebanc, Inc
8737 EAST VIA DE COMMERCIO
SCOTTSDALE, AZ 85258
* $ 18,075,000 7 $ 778,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 14,649,039,000 6 $ 392,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 6 $ 795,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 36,000,000,000 6 $ 1,545,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 36,351,625,000 6 $ 1,537,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 69,166,325,000 5 $ 1,024,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 5 $ 1,348,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 5 $ 789,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 5 $ 904,000
Vantage West Credit Union
2480 N ARCADIA AVE
TUCSON, AZ 85712
* $ 964,271,000 4 $ 829,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 4 $ 661,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 981,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 4 $ 575,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,858,594,000 4 $ 911,000
Bank of the West
1977 SATURN STREET MS SC-MPK-03-N
MONTEREY PARK, CA 91755
* $ 66,890,239,000 4 $ 1,068,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 7,047,356,000 4 $ 855,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 427,899,000 3 $ 796,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 3 $ 494,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 142,084,005,000 3 $ 469,000
National Bank of Arizona
6001 N 24TH ST BLDG B
PHOENIX, AZ 85016
* $ 4,875,394,000 3 $ 625,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 3 $ 569,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 303,000 3 $ 395,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 3 $ 537,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ 10,000,000 3 $ 465,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 309,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 2 $ 332,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 2 $ 278,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 780,000
American Southwest
PO BOX 370
SIERRA VISTA, AZ 85635
* $ 112,850,000 2 $ 97,000
Lhm Financial Corporation
7025 E GREENWAY PARKWAY SUITE 100
PHOENIX, AZ 85254
* $ 10,000,000 2 $ 301,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 2 $ 303,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 2 $ 338,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 2 $ 596,000
Security Atlantic Wholesale
499 THORNALL ST, SUITE 220
EDISON, NJ 08837
* $ 10,000,000 2 $ 297,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 321,000
The Lending Company
6910 E CHAUNCEY LN STE 220
PHOENIX, AZ 85054
* $ 40,000,000 2 $ 312,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 384,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 331,000
Suburban Mortgage, Inc.
7500 N. DREAMY DRAW DR., #110
PHOENIX, AZ 85020
* $ 10,000,000 2 $ 295,000
Greenlight Financial Services
18200 VON KARMAN STE #300
IRVINE, CA 92612
* $ 10,000,000 2 $ 384,000
American National Bank
8990 WEST DODGE RD
OMAHA, NE 68114
* $ 1,780,198,000 2 $ 746,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 823,318,000 2 $ 377,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 30,786,926,000 2 $ 541,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 2 $ 288,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 279,777,049,000 2 $ 295,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 3,930,807,000 2 $ 222,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 6,513,521,000 2 $ 342,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 82,416,721,000 2 $ 420,000
Liberty Savings Bank, FSB
2251 ROMBACH AVE.
WILMINGTON, OH 45177
* $ 1,519,961,000 2 $ 275,000
American Bank
9001 EDMONSTON ROAD, SUITE 100
GREENBELT, MD 20770
* $ 529,592,000 2 $ 528,000
First Arizona Savings, FSB
17015 N SCOTTSDALE RD SUITE 150
SCOTTSDALE, AZ 85255
* $ 354,100,000 2 $ 265,000
Charles Schwab Bank
211 MAIN STREET
SAN FRANCISCO, CA 94105
* $ 25,365,108,000 2 $ 636,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 2 $ 213,000
Oneaz Credit Union
2355 W PINNACLE PEAK RD
PHOENIX, AZ 85027
* $ 1,258,157,000 2 $ 231,000
Hughes Federal Credit Uniion
971 W WETMORE RD
TUCSON, AZ 85705
* $ 408,770,000 2 $ 175,000
Suffolk Federal Credit Union
3681 HORSEBLOCK ROAD
MEDFORD, NY 11763
* $ 763,456,000 1 $ 95,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,494,575,000 1 $ 335,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 2,030,074,000 1 $ 132,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ 683,762,000 1 $ 85,000
Hawthorne Credit Union
1519 N. NAPER BLVD
NAPERVILLE, IL 60563
* $ 149,495,000 1 $ 2,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 2,576,167,000 1 $ 240,000
Skyone Federal Credit Union
14600 AVIATION BOULEVARD
HAWTHORNE, CA 90250
* $ 299,988,000 1 $ 252,000
Morgan Stanley Credit Corp
75 N. FAIRWAY DR.
VERNON HILLS, IL 60061
* $ 36,000,000 1 $ 416,000
Tucson Federal Credit Union
1160 N. WINSTEL BLVD TUCSON, AZ 85716
TUCSON, AZ 85716
* $ 251,197,000 1 $ 144,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 4,150,560,000 1 $ 87,000
Urban Trust Bank
400 COLONIAL CENTER PARKWAY
LAKE MARY, FL 32746
* $ 249,756,000 1 $ 60,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 23,334,333,000 1 $ 327,000
The Privatebank and Trust Co.
120 SOUTH LASALLE STREET
CHICAGO, IL 60603
* $ 8,449,185,000 1 $ 125,000
Bank of Ann Arbor
1333 W ANN ARBOR ROAD
ANN ARBOR, MI 48104
* $ 489,167,000 1 $ 127,000
United Mortgage Company-Washte
2723 S STATE ST
ANN ARBOR, MI 48106
* $ 177,163,000 1 $ 307,000
Discover Bank
502 EAST MARKET STREET
GREENWOOD, DE 19950
* $ 36,276,270,000 1 $ 15,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,041,440,000 1 $ 106,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 134,000
Chevy Chase Bank, F.S.B.
7501 WISCONSIN AVE 13TH FLR-W
BETHESDA, MD 20814
* $ 16,022,456,000 1 $ 142,000
First National Bank
205 W. OAK STREET
FORT COLLINS, CO 80522
* $ 2,587,212,000 1 $ 140,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 101,868,610,000 1 $ 120,000
Zions First National Bank
ONE S MAIN ST 11TH FL
SALT LAKE CITY, UT 84133
* $ 20,778,268,000 1 $ 252,000
Citizens National Bank
110 WEST COURT ST
PARIS, IL 61944
* $ 245,391,000 1 $ 136,000
Canyon Community Bank
7981 N ORACLE RD
TUCSON, AZ 85704
* $ 82,463,000 1 $ 312,000
The Harris Bank NA
6720 N. SCOTTSDALE ROAD, SUITE 111
SCOTTSDALE, AZ 85253
* $ 612,461,000 1 $ 255,000
Bank of Arizona
P. O. BOX 2300
TULSA, OK 74102
* $ 255,067,000 1 $ 240,000
Mountain West Financial Inc.
1209 NEVADA STREET SUITE 200
REDLANDS, CA 92374
* $ 10,000,000 1 $ 134,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 231,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 143,000
Multi-State Home Lending Inc.
2081 BUSINESS CENTER DRIVE SUITE 190
IRVINE, CA 92612
* $ 10,000,000 1 $ 153,000
Wallick and Volk
222 EAST 18TH
CHEYENNE, WY 82001
* $ 10,000,000 1 $ 330,000
First Mortgage Corporation
1131 W. 6TH STREET
ONTARIO, CA 91762
* $ 10,000,000 1 $ 123,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 1 $ 155,000
Land/Home Financial Services
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 199,000
Joe Klein Enterprises Ltd
15011 N 75TH STREET
SCOTTSDALE, AZ 85260
* $ 1,786,000 1 $ 126,000
American Mortgage Specialists
16100 N GREENWAY HAYDEN LOOP STE 108
SCOTTSDALE, AZ 85260
* $ 38,791,000 1 $ 189,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 130,000
Bankerswest Funding Corporatio
17595 ALMAHURST STREET, SUITE 100A
CITY OF INDUSTRY, CA 91748
* $ 10,000,000 1 $ 127,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 139,000
Pinnacle Mortgage Group, Inc.
3605 SOUTH TELLER ST
LAKEWOOD, CO 80235
* $ 10,000,000 1 $ 221,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 81,000
Peoples Home Equity, Inc
5145 S. MERIDIAN STREET SUITE A
INDIANAPOLIS, IN 46217
* $ 100,000,000 1 $ 155,000
Prospect Mortgage, LLC
15301 VENTURA BLVD. SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 372,000
Imortgage.Com, Inc.
4800 N. SCOTTSDALE ROAD, SUITE 3800
SCOTTSDALE, AZ 85251
* $ 10,000,000 1 $ 51,000
Sun American Mortgage Company
4140 E. BASELINE RD., #206
MESA, AZ 85206
* $ 10,000,000 1 $ 224,000
Patelco Credit Union
5050 HOPYARD ROAD
DUBLIN, CA 94568
* $ 4,111,449,000 1 $ 88,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 135,000
Greenberry Financial Services
999 CORPORATE DRIVE, SUITE 110
LADERA RANCH, CA 92694
* $ 21,366,000 1 $ 75,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ 10,000,000 1 $ 59,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 83,000
Premium Capital Funding LLC
125 JERICHO TPKE
JERICHO, NY 11753
* $ 10,000,000 1 $ 258,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 100,000

The tables below break down 2009 mortgage applications in Santa Cruz County, AZ by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Santa Cruz County, AZ in 2009

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 1,669 $281,864,000 $168,000 $1,060,000 $66,000 $1,689,000
Home Purchase 634 $91,852,000 $144,000 $756,000 $59,000 $664,000
Home Improvement 100 $7,522,000 $75,000 $433,000 $59,000 $492,000

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
Hispanic 1,253 $165,030,000 $131,000 $460,000 $53,000 $942,000
White 705 $143,208,000 $203,000 $959,000 $92,000 $1,689,000
Not applicable 228 $34,540,000 $151,000 $903,000 $30,000 $378,000
Not Provided 195 $34,449,000 $176,000 $1,060,000 $74,000 $708,000
Asian 10 $2,179,000 $217,000 $388,000 $92,000 $251,000
American Indian or Alaskan Native 6 $749,000 $124,000 $180,000 $70,000 $132,000
Black or African American 5 $928,000 $185,000 $335,000 $79,000 $98,000
Native Hawaiian or Other Pacific Islander 1 $155,000 $155,000 $155,000 $10,000 $10,000

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) 1,530 $258,401,000 $168,000 $1,060,000 $77,000 $1,689,000
FHA-insured (Federal Housing Administration) 678 $96,227,000 $141,000 $280,000 $45,000 $1,000,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 135 $15,625,000 $115,000 $255,000 $27,000 $73,000
VA-guaranteed (Veterans Administration) 60 $10,985,000 $183,000 $628,000 $41,000 $174,000

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 $139,886,000 $165,000 $756,000 $69,000 $664,000
Application Denied By Financial Institution 636 $98,554,000 $154,000 $959,000 $70,000 $1,689,000
Loan Purchased By The Institution 526 $80,111,000 $152,000 $903,000 $43,000 $378,000
Application Withdrawn By Applicant 229 $36,406,000 $158,000 $1,060,000 $64,000 $708,000
Application Approved But Not Accepted 111 $18,745,000 $168,000 $500,000 $90,000 $1,000,000
File Closed For Incompleteness 54 $7,536,000 $139,000 $417,000 $67,000 $492,000
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
Collateral 180 $35,160,000 $195,000 $959,000 $96,000 $942,000
Debt-To-Income Ratio 118 $17,776,000 $150,000 $432,000 $43,000 $241,000
Credit History 86 $7,584,000 $88,000 $315,000 $44,000 $172,000
Other 41 $6,248,000 $152,000 $360,000 $85,000 $374,000
Credit Application Incomplete 37 $5,913,000 $159,000 $392,000 $86,000 $588,000
Unverifiable Information 22 $3,297,000 $149,000 $417,000 $46,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 17 $2,708,000 $159,000 $374,000 $64,000 $168,000
Employment History 12 $1,362,000 $113,000 $207,000 $89,000 $814,000
Mortgage Insurance Denied 2 $352,000 $176,000 $214,000 $90,000 $130,000

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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