Santa Cruz County, AZ Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,552 mortgage applications in Santa Cruz County, AZ totaling $223.3 million, up 12% from 2014. The average application was for $143,000, and applicants reported an average income of $57,000. 41% of applications resulted in an originated loan and 19% were denied. The most active lender was Wells Fargo Bank NA, with 273 applications, followed by Sunstreet Mortgage, LLC and loanDepot.com 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 1,552
Total Mortgage Loan Application Amount $223,327,000
Average Mortgage Loan Application Amount $143,000
Highest Mortgage Loan Application Amount $1,300,000
Average Applicant Income $57,000
Highest Applicant Income $1,980,000

Mortgage Company List for Lending in Santa Cruz County, AZ for 2015

* 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

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 273 $ 31,845,000
Sunstreet Mortgage, LLC
SUNSTREET MORTGAGE, LLC
1725 E. SKYLINE DRIVE, AZ 85718
* $ 1,150,000 171 $ 19,603,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 104 $ 18,051,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 85 $ 11,360,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 74 $ 11,366,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 61 $ 7,261,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 247,645,000 57 $ 8,147,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 57 $ 7,127,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 39 $ 5,443,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 33 $ 4,632,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,493,978,000 30 $ 3,061,000
First American Bank
303 W MAIN ST
ARTESIA, NM 88210
* $ 1,040,072,000 28 $ 2,877,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 27 $ 4,258,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 24 $ 3,236,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 20 $ 3,072,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 19 $ 2,467,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 19 $ 2,115,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 12 $ 1,814,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ 10,000,000 12 $ 3,162,000
National Bank of Arizona
6001 N. 24TH STREET
PHOENIX, AZ 85016
* $ 4,770,870,000 11 $ 3,495,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 10 $ 2,098,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 10 $ 1,100,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 10 $ 1,285,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 9 $ 1,181,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 1,285,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 8 $ 1,714,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ 10,000,000 8 $ 1,699,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 8 $ 736,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 79,624,593,000 8 $ 1,546,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 8 $ 2,123,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 7 $ 1,744,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 7 $ 789,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 6 $ 850,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 6 $ 790,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 5 $ 723,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 5 $ 1,135,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 5 $ 1,031,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 5 $ 940,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 5 $ 596,000
Vantage West Credit Union
2480 N ARCADIA AVE
TUCSON, AZ 85712
* $ 1,416,186,000 5 $ 901,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 4 $ 498,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 4 $ 517,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 4 $ 819,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 710,000
Oneaz Credit Union
2355 W PINNACLE PEAK RD
PHOENIX, AZ 85027
* $ 1,656,657,000 4 $ 229,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 4 $ 482,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 4 $ 585,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 4 $ 335,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 700,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 3 $ 441,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 3 $ 703,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 3 $ 286,000
Inb, National Association
322 E. CAPITOL
SPRINGFIELD, IL 62701
* $ 682,680,000 3 $ 823,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 3 $ 319,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 3 $ 666,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 3 $ 331,000
Greenbox Loans
3250 WILSHIRE BLVD., SUITE 1900
LOS ANGELES, CA 90010
* $ 5,178,038,000 3 $ 1,051,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 360,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 3 $ 462,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 711,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 3 $ 764,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 822,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 347,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 730,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 3 $ 367,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 483,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 2 $ 367,000
First Credit Union
25 SOUTH ARIZONA PLACE, SUITE 111
CHANDLER, AZ 85225
* $ 410,037,000 2 $ 401,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 389,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 2 $ 344,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 2 $ 479,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 346,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 2 $ 249,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ 0 2 $ 300,000
International City Mortgage, Inc.
333 S ANITA DR, STE 300
ORANGE, CA 92868
* $ 2,589,000 2 $ 472,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 71,682,343,000 2 $ 328,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 2 $ 511,000
First Fidelity Bank, NA
5100 N CLASSEN BLVD SUITE 500
OKLAHOMA CITY, OK 73118
* $ 1,375,486,000 2 $ 365,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 2 $ 216,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 293,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 2 $ 35,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 2 $ 226,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 2 $ 427,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 2 $ 586,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 296,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 169,000
Infinity Funding Plc
1585 E RIVER RD SUITE 201
TUCSON, AZ 85718
* $ 10,000,000 2 $ 412,000
Lhm Financial Corporation
7025 E GREENWAY PARKWAY SUITE 100
PHOENIX, AZ 85254
* $ 10,000,000 2 $ 330,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 202,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ 917,364,000 1 $ 47,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 301,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ 10,000,000 1 $ 160,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 1 $ 155,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 50,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 1 $ 152,000
Amegy Mortgage Company, L.L.C.
4576 RESEARCH FOREST DRIVE
THE WOODLANDS, TX 77381
* $ 31,000,000 1 $ 153,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 39,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 87,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 250,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 98,000
Union Bank and Trust Company
PO BOX 82535
LINCOLN, NE 68501
* $ 3,040,462,000 1 $ 271,000
Great Western Bank
35 1ST AVE NE
WATERTOWN, SD 57201
* $ 9,636,848,000 1 $ 232,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 19,078,815,000 1 $ 58,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 727,505,000 1 $ 86,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 183,453,000 1 $ 200,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 145,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 69,310,249,000 1 $ 1,160,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 1 $ 30,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 87,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 1 $ 219,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 216,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 4,767,725,000 1 $ 220,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 112,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 1 $ 200,000
Loanstar Home Loans, LLC dba Loanstar Home Lending
9020 SW WASHINGTON SQUARE RD SUITE 350
PORTLAND, OR 97223
* $ 0 1 $ 220,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ 41,332,772,000 1 $ 96,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ 10,000,000 1 $ 344,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 90,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 202,000
Midwest Community Bank
510 PARK CREST DR
FREEPORT, IL 61032
* $ 204,238,000 1 $ 100,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 1 $ 150,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 1 $ 238,000
Arizona Central Credit Union
2020 N CENTRAL AVE
PHOENIX, AZ 85004
* $ 433,485,000 1 $ 97,000
Desert Financial Credit Union
148 N. 48TH ST.
PHOENIX, AZ 85034
* $ 3,575,168,000 1 $ 325,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 118,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 243,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 1 $ 103,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 61,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 112,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 295,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 855,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 128,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ 10,000,000 1 $ 341,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,599,798,000 1 $ 219,000
Alpine Bank & Trust Co.
1700 N ALPINE RD
ROCKFORD, IL 61107
* $ 1,161,382,000 1 $ 100,000
American Southwest
PO BOX 370
SIERRA VISTA, AZ 85635
* $ 189,762,000 1 $ 31,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 162,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 582,024,000 1 $ 40,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 417,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,244,310,000 1 $ 405,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 1 $ 201,000
Suburban Mortgage, Inc.
7500 N DREAMY DRAW DRIVE, STE 110
PHOENIX, AZ 85020
* $ 100,000,000 1 $ 109,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 9,378,000 1 $ 375,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 308,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 125,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 76,205,000 1 $ 250,000

The tables below break down 2015 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 2015

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 787 $127,256,000 $161,000 $1,300,000 $63,000 $1,980,000
Home Purchase 693 $91,883,000 $132,000 $659,000 $47,000 $1,014,000
Home Improvement 72 $4,188,000 $58,000 $425,000 $77,000 $643,000

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 827 $97,948,000 $118,000 $520,000 $52,000 $408,000
White 401 $77,676,000 $193,000 $1,274,000 $87,000 $1,980,000
Not applicable 218 $28,109,000 $128,000 $1,300,000 $4,000 $112,000
Not Provided 94 $17,663,000 $187,000 $1,160,000 $89,000 $1,014,000
Asian 4 $633,000 $158,000 $400,000 $80,000 $177,000
Black or African American 4 $703,000 $175,000 $266,000 $75,000 $84,000
American Indian or Alaskan Native 3 $428,000 $142,000 $300,000 $59,000 $100,000
Native Hawaiian or Other Pacific Islander 1 $167,000 $167,000 $167,000 $55,000 $55,000

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) 782 $119,221,000 $152,000 $1,300,000 $79,000 $1,980,000
FHA-insured (Federal Housing Administration) 363 $46,464,000 $128,000 $514,000 $35,000 $277,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 278 $30,686,000 $110,000 $287,000 $24,000 $73,000
VA-guaranteed (Veterans Administration) 129 $26,956,000 $208,000 $1,041,000 $50,000 $265,000

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 632 $92,558,000 $146,000 $1,300,000 $63,000 $1,014,000
Loan Purchased By The Institution 362 $46,832,000 $129,000 $514,000 $25,000 $360,000
Application Denied By Financial Institution 300 $43,635,000 $145,000 $1,274,000 $77,000 $1,980,000
Application Withdrawn By Applicant 167 $26,143,000 $156,000 $855,000 $62,000 $420,000
File Closed For Incompleteness 66 $10,017,000 $151,000 $428,000 $52,000 $180,000
Application Approved But Not Accepted 25 $4,142,000 $165,000 $625,000 $68,000 $210,000
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
Credit History 53 $3,780,000 $71,000 $416,000 $67,000 $444,000
Debt-To-Income Ratio 47 $5,753,000 $122,000 $360,000 $48,000 $219,000
Collateral 42 $7,677,000 $182,000 $425,000 $94,000 $643,000
Credit Application Incomplete 21 $4,899,000 $233,000 $1,274,000 $104,000 $268,000
Unverifiable Information 14 $2,193,000 $156,000 $368,000 $68,000 $120,000
Other 12 $1,262,000 $105,000 $183,000 $46,000 $156,000
Insufficient Cash (Downpayment, Closing Cost) 7 $637,000 $91,000 $112,000 $33,000 $104,000
Employment History 2 $285,000 $142,000 $166,000 $51,000 $70,000
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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