Scott County, TN Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 740 mortgage applications in Scott County, TN totaling $104.8 million, up 5% from 2020. The average application was for $141,000, and applicants reported an average income of $73,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was First National Bank of Oneida, with 121 applications, followed by Vanderbilt Mortgage and Finance, Inc and Ornl Federal Credit Union.
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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 | 740 |
| Total Mortgage Loan Application Amount | $104,840,000 |
| Average Mortgage Loan Application Amount | $141,000 |
| Highest Mortgage Loan Application Amount | $755,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $740,000 |
* 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 |
|---|---|---|---|---|
| First National Bank of Oneida P.O. BOX 950 ONEIDA, TN 37841 |
* | $ 221,703,000 | 121 | $ 12,865,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 84 | $ 7,740,000 |
| Ornl Federal Credit Union 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ 2,344,884,000 | 36 | $ 5,040,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 34 | $ 6,020,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 30 | $ 3,060,000 |
| Y-12 Federal Credit Union 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ 1,226,617,000 | 26 | $ 2,960,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 3,475,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 18 | $ 2,460,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 17 | $ 2,755,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 15 | $ 3,095,000 |
| Peoples Bank of the South 106 WEST CENTRAL AVENUE LA FOLLETTE, TN 37766 |
* | $ 153,694,000 | 14 | $ 410,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 3,175,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 13 | $ 2,235,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 2,325,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 10 | $ 1,670,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 8 | $ 1,910,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 8 | $ 1,210,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 8 | $ 1,080,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,530,000 |
| Knoxville Tva Employees Credit Union 301 WALL AVE KNOXVILLE, TN 37932 |
* | $ 2,430,831,000 | 7 | $ 785,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 7 | $ 625,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 1,325,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 6 | $ 1,100,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 6 | $ 990,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 5 | $ 795,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 735,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 5 | $ 285,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 875,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 675,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 5 | $ 1,145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 690,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 4 | $ 480,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 425,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 27,665,771,000 | 3 | $ 355,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 325,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 455,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 3 | $ 705,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 3 | $ 485,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,344,716,000 | 3 | $ 565,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 3 | $ 705,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 6,258,523,000 | 2 | $ 170,000 |
| Wilson Bank and Trust 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ 2,780,296,000 | 2 | $ 590,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 340,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 290,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 610,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 2 | $ 880,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 2 | $ 70,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 620,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 2 | $ 270,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 530,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 190,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 380,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 740,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 330,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 12,887,120,000 | 2 | $ 60,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 240,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 630,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 220,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 320,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 190,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 80,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 350,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 997,445,000 | 2 | $ 270,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 55,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 255,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 75,000 |
| Home Federal Bank of Tennessee 515 MARKET STREET KNOXVILLE, TN 37902 |
* | $ 2,259,866,000 | 1 | $ 505,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 235,000 |
| Enrichment Federal Credit Unio PO BOX 883 OAK RIDGE, TN 37831 |
* | $ 529,967,000 | 1 | $ 155,000 |
| Hometrust Bank PO BOX 10 ASHEVILLE, NC 28802 |
* | $ 3,468,407,000 | 1 | $ 155,000 |
| Ut Federal Credit Union 2100 WHITE AVENUE KNOXVILLE, TN 37919 |
* | $ 321,825,000 | 1 | $ 165,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 185,000 |
| Andrew Johnson Bank 124 N MAIN STREET GREENEVILLE, TN 37744 |
* | $ 387,643,000 | 1 | $ 255,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 155,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 125,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,363,833,000 | 1 | $ 125,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 235,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 255,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 165,000 |
| United Cumberland Bank 47 S. MAIN STREET WHITLEY CITY, KY 42653 |
* | $ 297,555,000 | 1 | $ 185,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 145,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 814,382,000 | 1 | $ 105,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 115,000 |
| Loansnap, Inc. 3070 BRISTOL STREET SUITE 200 SACRAMENTO, CA 92626 |
* | $ -1,000 | 1 | $ 375,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 10,624,748,000 | 1 | $ 155,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 145,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,365,732,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 125,000 |
| First Century Bank 1780 NORTH BROAD STREET TAZEWELL, TN 37879 |
* | $ 419,729,000 | 1 | $ 245,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 105,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 175,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 85,000 |
| 1st Franklin Financial Corporation 135 E. TUGALO ST. TOCCOA, GA 30577 |
* | $ -1,000 | 1 | $ 25,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 45,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 85,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 205,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 95,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 85,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 165,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 125,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 354,165,000 | 1 | $ 165,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| A Mortgage Boutique, LLC 1574 MEDICAL CENTER PKWY SUITE 101 MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 115,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 155,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 245,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 125,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 125,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 205,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 295,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 1 | $ 175,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 155,000 |
The tables below break down 2021 mortgage applications in Scott County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Scott County, TN 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 377 | $53,185,000 | $141,000 | $755,000 | $66,000 | $507,000 |
| Refinancing | 198 | $27,160,000 | $137,000 | $565,000 | $80,000 | $294,000 |
| Cash-out Refinancing | 122 | $21,750,000 | $178,000 | $745,000 | $81,000 | $740,000 |
| Other Purpose | 23 | $1,355,000 | $58,000 | $145,000 | $59,000 | $151,000 |
| Home Improvement | 20 | $1,390,000 | $69,000 | $135,000 | $87,000 | $212,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 631 | $85,715,000 | $135,000 | $755,000 | $71,000 | $740,000 |
| Not Provided | 63 | $10,395,000 | $165,000 | $545,000 | $78,000 | $243,000 |
| Not applicable | 34 | $6,100,000 | $179,000 | $485,000 | $330,000 | $330,000 |
| Black or African American | 5 | $1,015,000 | $203,000 | $445,000 | $134,000 | $185,000 |
| Asian | 3 | $245,000 | $81,000 | $115,000 | $48,000 | $82,000 |
| American Indian or Alaskan Native | 2 | $670,000 | $335,000 | $545,000 | $120,000 | $172,000 |
| Hispanic | 2 | $700,000 | $350,000 | $485,000 | $95,000 | $99,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 562 | $73,900,000 | $131,000 | $755,000 | $75,000 | $740,000 |
| FHA-insured (Federal Housing Administration) | 85 | $12,045,000 | $141,000 | $345,000 | $52,000 | $126,000 |
| VA-guaranteed (Veterans Administration) | 58 | $13,470,000 | $232,000 | $675,000 | $77,000 | $267,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,425,000 | $155,000 | $295,000 | $56,000 | $94,000 |
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 | 384 | $56,760,000 | $147,000 | $755,000 | $78,000 | $507,000 |
| Application Denied By Financial Institution | 131 | $15,085,000 | $115,000 | $745,000 | $52,000 | $156,000 |
| Application Withdrawn By Applicant | 77 | $13,155,000 | $170,000 | $485,000 | $75,000 | $217,000 |
| File Closed For Incompleteness | 74 | $8,220,000 | $111,000 | $435,000 | $74,000 | $740,000 |
| Application Approved But Not Accepted | 37 | $5,155,000 | $139,000 | $445,000 | $70,000 | $185,000 |
| Loan Purchased By The Institution | 36 | $6,340,000 | $176,000 | $485,000 | $143,000 | $330,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
| 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 | 593 | $88,665,000 | $149,000 | $755,000 | $77,000 | $740,000 |
| Credit History | 57 | $5,195,000 | $91,000 | $285,000 | $52,000 | $144,000 |
| Debt-To-Income Ratio | 55 | $6,545,000 | $119,000 | $745,000 | $52,000 | $225,000 |
| Credit Application Incomplete | 14 | $2,070,000 | $147,000 | $345,000 | $83,000 | $156,000 |
| Unverifiable Information | 9 | $1,035,000 | $115,000 | $245,000 | $56,000 | $96,000 |
| Collateral | 6 | $720,000 | $120,000 | $195,000 | $61,000 | $82,000 |
| Other | 2 | $80,000 | $40,000 | $55,000 | $44,000 | $48,000 |
| Employment History | 2 | $200,000 | $100,000 | $185,000 | $65,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $175,000 | $59,000 | $84,000 |
| 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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