Scotland County, NC Mortgage Lenders & HMDA Data, 2007
In 2007, lenders reported 1,542 mortgage applications in Scotland County, NC totaling $139.4 million, down 11% from 2006. The average application was for $90,000, and applicants reported an average income of $57,000. 36% of applications resulted in an originated loan and 34% were denied. The most active lender was Beneficial Company LLC, with 144 applications, followed by Branch Banking and Trust Co and Wells Fargo 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 | 1,542 |
| Total Mortgage Loan Application Amount | $139,379,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $1,574,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $985,000 |
* 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 |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 144 | $ 9,971,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 117,134,085,000 | 120 | $ 12,375,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 518,123,000,000 | 108 | $ 6,317,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 76 | $ 8,174,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 13,957,758,000 | 58 | $ 5,152,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 56 | $ 5,420,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 50 | $ 2,610,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 23,114,957,000 | 48 | $ 4,325,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 48 | $ 2,919,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 46 | $ 3,419,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 44 | $ 4,925,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 36 | $ 4,232,000 |
| Communityone Bank, N.A. 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 1,792,229,000 | 36 | $ 5,476,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 35 | $ 4,088,000 |
| First Bank PO BOX 508 TROY, NC 27371 |
* | $ 2,136,792,000 | 32 | $ 3,009,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 31 | $ 3,427,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 31 | $ 2,708,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 30 | $ 2,275,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 24 | $ 1,923,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 23 | $ 1,896,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 23 | $ 2,753,000 |
| Wells Fargo Fin'l No Carolina 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 23 | $ 1,888,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 19 | $ 2,328,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 16 | $ 1,020,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 15 | $ 1,299,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,610,176,000 | 14 | $ 576,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 13 | $ 1,005,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 12 | $ 1,567,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 12 | $ 403,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 1,438,000 |
| Slm Financial Corporation 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 11 | $ 118,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,595,722,000 | 11 | $ 776,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 11 | $ 1,135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 10 | $ 1,226,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 9 | $ 945,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 9 | $ 616,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 8 | $ 652,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,464,820,000 | 7 | $ 716,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 660,146,000 | 7 | $ 731,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 7 | $ 753,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 726,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 5,676,854,000 | 6 | $ 801,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 6 | $ 668,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 977,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 5 | $ 487,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 140,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 5 | $ 1,004,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 5 | $ 634,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 5 | $ 402,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 12,000,000 | 5 | $ 467,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 417,384,000 | 5 | $ 597,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 5 | $ 575,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 4 | $ 527,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 4 | $ 633,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 276,251,000 | 4 | $ 330,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 4 | $ 331,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 4 | $ 400,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 4 | $ 366,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 146,260,800,000 | 4 | $ 409,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 11,121,365,000 | 4 | $ 74,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 4 | $ 285,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 17,125,177,000 | 4 | $ 194,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 424,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 465,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 30,802,955,000 | 3 | $ 126,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 3 | $ 272,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 532,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 3 | $ 338,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 185,000 |
| Ace Mortgage Funding, Llc. 7820 INNOVATION BLVD. SUITE 300 INDIANAPOLIS, IN 46278 |
* | $ 10,000,000 | 3 | $ 455,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 425,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 338,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 165,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 241,000 |
| Resmae Mortgage Corporation 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 270,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 66,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,914,631,000 | 2 | $ 111,000 |
| Gb Home Equity, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 2 | $ 111,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 2 | $ 259,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 9,339,663,000 | 2 | $ 141,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 2 | $ 91,000 |
| Greenpoint Mortgage Funding 100 WOOD HOLLOW DRIVE NOVATO, CA 94945 |
* | $ 6,677,533,000 | 2 | $ 141,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 192,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 2 | $ 228,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 52,671,972,000 | 2 | $ 337,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 165,673,017,000 | 2 | $ 248,000 |
| Granite Mortgage Inc 791 JONESTOWN ROAD, SUITE 110 WINSTON-SALEM, NC 27103 |
* | $ 1,200,550,000 | 1 | $ 187,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 2,857,914,000 | 1 | $ 118,000 |
| First National Bank of Shelby 106 S LAFAYETTE STREET SHELBY, NC 28150 |
* | $ 913,621,000 | 1 | $ 209,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 62,000 |
| Aaa Worldwide Financial Co. 5057 KELLER SPRINGS RD, STE 300 ADDISON, TX 75001 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Home Consultants 473 EASTON TURNPIKE STE A LAKE ARIEL, PA 18436 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 48,000 |
| First National Bank of Arizona 17600 NORTH PERIMETER DRIVE SCOTTSDALE, AZ 85255 |
* | $ 2,947,186,000 | 1 | $ 117,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,081,220,000 | 1 | $ 23,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 2,239,606,000 | 1 | $ 5,000 |
| North Fork Bank 265 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 57,902,875,000 | 1 | $ 40,000 |
| First Charter Bank 5001 KINGSLEY DR. ML 1MOB2W CINCINNATI, OH 45227 |
* | $ 4,394,650,000 | 1 | $ 100,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 56,382,388,000 | 1 | $ 54,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 182,588,156,000 | 1 | $ 32,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 6,564,717,000 | 1 | $ 31,000 |
| New Century Bank South 107 E. BROAD ST. DUNN, NC 28334 |
* | $ 199,815,000 | 1 | $ 7,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 64,000 |
| Lendmark Mortgage and Finance 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 1 | $ 53,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 139,000 |
| 1st Medallion Mortgage Corp. 202 CENTREPORT DRIVE SUITE 150 GREENSBORO, NC 27409 |
* | $ 15,000,000 | 1 | $ 91,000 |
| R- G Crown Bank 5001 KINGSLEY DRIVE, MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 3,227,159,000 | 1 | $ 66,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 12,762,288,000 | 1 | $ 265,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 1 | $ 207,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 58,000 |
| Colorado Federal Savings Bank 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 57,237,000 | 1 | $ 108,000 |
| Lydian Private Bank 3801 PGA BLVD SUITE 700 PALM BEACH GARDENS, FL 33410 |
* | $ 1,771,096,000 | 1 | $ 53,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 951,944,000 | 1 | $ 77,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,249,177,000 | 1 | $ 105,000 |
| Walter Mortgage Company 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 67,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 1 | $ 45,000 |
| Tribeca Lending Corporation 101 HUDSON STREET 25TH FLOOR JERSEY CITY, NJ 07302 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Southern Trust Mortgage, LLC 150 BOUSH STREET #400 NORFOLK, VA 23510 |
* | $ 10,000,000 | 1 | $ 490,000 |
| Advantage Loans, Inc. 937 S. MCPHERSON CHURCH RD, STE 101 FAYETTEVILLE, NC 28303 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 108,000 |
| Stockton Turner LLC 2250 LUCIEN WAY #140 MAITLAND, FL 32751 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Global Equity Lending, Inc. 6465 EAST JOHNS CROSSING JOHNS CREEK, GA 30097 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 56,000 |
| Cmcf, Inc 6920 CLIFFDALE RD FAYETTEVILLE, NC 28314 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Mobility Home Loans 6077 PRIMACY PARKWAY, STE 300 MEMPHIS, TN 38119 |
* | $ 175,085,370,000 | 1 | $ 114,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 107,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 101,000 |
The tables below break down 2007 mortgage applications in Scotland County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Scotland County, NC in 2007
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 | 912 | $86,048,000 | $94,000 | $541,000 | $59,000 | $985,000 |
| Home Purchase | 468 | $47,205,000 | $100,000 | $1,574,000 | $58,000 | $780,000 |
| Home Improvement | 162 | $6,126,000 | $37,000 | $330,000 | $47,000 | $288,000 |
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 | 755 | $75,774,000 | $100,000 | $1,574,000 | $67,000 | $780,000 |
| Black or African American | 393 | $27,426,000 | $69,000 | $446,000 | $47,000 | $800,000 |
| Not Provided | 216 | $19,573,000 | $90,000 | $465,000 | $54,000 | $985,000 |
| American Indian or Alaskan Native | 86 | $6,700,000 | $77,000 | $226,000 | $47,000 | $120,000 |
| Not applicable | 61 | $6,238,000 | $102,000 | $350,000 | $20,000 | $105,000 |
| Hispanic | 15 | $1,774,000 | $118,000 | $169,000 | $66,000 | $110,000 |
| Asian | 11 | $1,459,000 | $132,000 | $325,000 | $67,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $435,000 | $87,000 | $159,000 | $63,000 | $108,000 |
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) | 1,436 | $128,583,000 | $89,000 | $1,574,000 | $57,000 | $985,000 |
| FHA-insured (Federal Housing Administration) | 81 | $8,240,000 | $101,000 | $203,000 | $57,000 | $780,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,297,000 | $104,000 | $179,000 | $54,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $259,000 | $86,000 | $93,000 | $28,000 | $45,000 |
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 | 557 | $54,212,000 | $97,000 | $1,574,000 | $62,000 | $550,000 |
| Application Denied By Financial Institution | 527 | $40,712,000 | $77,000 | $465,000 | $54,000 | $985,000 |
| Loan Purchased By The Institution | 148 | $16,022,000 | $108,000 | $350,000 | $49,000 | $780,000 |
| Application Withdrawn By Applicant | 146 | $13,504,000 | $92,000 | $277,000 | $52,000 | $636,000 |
| Application Approved But Not Accepted | 131 | $11,242,000 | $85,000 | $490,000 | $57,000 | $304,000 |
| File Closed For Incompleteness | 33 | $3,687,000 | $111,000 | $235,000 | $80,000 | $292,000 |
| 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 | 118 | $7,721,000 | $65,000 | $265,000 | $44,000 | $288,000 |
| Debt-To-Income Ratio | 57 | $5,745,000 | $100,000 | $410,000 | $52,000 | $302,000 |
| Collateral | 57 | $4,670,000 | $81,000 | $328,000 | $62,000 | $300,000 |
| Other | 46 | $4,150,000 | $90,000 | $446,000 | $77,000 | $800,000 |
| Credit Application Incomplete | 13 | $1,499,000 | $115,000 | $304,000 | $58,000 | $302,000 |
| Unverifiable Information | 5 | $312,000 | $62,000 | $93,000 | $38,000 | $80,000 |
| Employment History | 2 | $112,000 | $56,000 | $95,000 | $46,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $188,000 | $94,000 | $110,000 | $49,000 | $50,000 |
| 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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