Sharp County, AR Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 885 mortgage applications in Sharp County, AR totaling $183.2 million, down 11% from 2021. The average application was for $207,000, and applicants reported an average income of $78,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was First Community Bank, with 88 applications, followed by Fnbc Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 885 |
| Total Mortgage Loan Application Amount | $183,225,000 |
| Average Mortgage Loan Application Amount | $207,000 |
| Highest Mortgage Loan Application Amount | $69,515,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $2,822,000 |
* 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 Community Bank 1325 HARRISON STREET BATESVILLE, AR 72501 |
* | $ 2,049,696,000 | 88 | $ 9,770,000 |
| Fnbc Bank 636 ASH FLAT DR ASH FLAT, AR 72513 |
* | $ 634,724,000 | 71 | $ 7,425,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 30 | $ 3,160,000 |
| Centennial Bank PO BOX 966 ARKANSAS, AR 72033 |
* | $ 18,017,667,000 | 29 | $ 3,345,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 28 | $ 2,810,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 28 | $ 4,440,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 24 | $ 3,030,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 3,385,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ -1,000 | 19 | $ 2,745,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 18 | $ 2,490,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 788,114,000 | 17 | $ 2,035,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 16 | $ 1,530,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 16 | $ 1,960,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 16 | $ 1,910,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 1,785,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 14 | $ 2,250,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 13 | $ 1,415,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 13 | $ 1,815,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 12 | $ 1,420,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 11 | $ 1,895,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 11 | $ 1,155,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,835,000 |
| Southern Bank 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 2,905,965,000 | 11 | $ 1,005,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 10 | $ 1,120,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,810,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,095,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,615,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 9 | $ 545,000 |
| First National Bank of Commerce 206 W MAIN STREET WALNUT RIDGE, AR 72476 |
* | $ 271,618,000 | 8 | $ 420,000 |
| Arkansas Federal Credit Union 17500 CANTRELL LITTLE ROCK, AR 72223 |
* | $ 1,730,211,000 | 8 | $ 720,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 8 | $ 970,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 705,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 7 | $ 485,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 6 | $ 1,010,000 |
| The Farmers & Merchants Bank 708 S MAIN ST STUTTGART, AR 72160 |
* | $ 1,737,079,000 | 6 | $ 600,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 4,110,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 5 | $ 785,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 24,685,744,000 | 5 | $ 415,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 415,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 5 | $ 375,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 5 | $ 1,295,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 88,758,641,000 | 5 | $ 425,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 845,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 5 | $ 875,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 540,000 |
| The Citizens Bank 200 S THIRD ST, PO BOX 2156 BATESVILLE, AR 72503 |
* | $ 1,231,643,000 | 4 | $ 230,000 |
| First National Bank PO BOX 700 PARAGOULD, AR 72451 |
* | $ 2,374,597,000 | 4 | $ 360,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 3 | $ 615,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 3 | $ 245,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 69,705,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ 7,713,957,000 | 3 | $ 525,000 |
| Encore Bank 1801 RAHLING RD LITTLE ROCK, AR 72223 |
* | $ 1,632,951,000 | 3 | $ 455,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 3 | $ 515,000 |
| Community Mortgage Corporation 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ -1,000 | 3 | $ 725,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 375,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 275,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 815,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 2 | $ 220,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 2 | $ 310,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 150,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 2 | $ 240,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 2 | $ 270,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 420,000 |
| Eagle Bank and Trust Company 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 502,207,000 | 2 | $ 400,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 130,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 5,141,072,000 | 2 | $ 510,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 2 | $ 160,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 150,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 150,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 1,543,558,000 | 2 | $ 220,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 2 | $ 380,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 130,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 2 | $ 170,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,793,269,000 | 2 | $ 360,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 190,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 2 | $ 270,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 160,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 290,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 390,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,879,005,000 | 2 | $ 430,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 2 | $ 170,000 |
| Patriot Bank 8376 HIGHWAY 51 N MILLINGTON, TN 38053 |
* | $ 471,428,000 | 2 | $ 520,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 60,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 200,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 95,000 |
| Sente Mortgage, Inc. 4520 BURNET ROAD AUSTIN, TX 78756 |
* | $ -1,000 | 1 | $ 45,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ -1,000 | 1 | $ 155,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 2,311,081,000 | 1 | $ 25,000 |
| Independent Bank 5050 POPLAR AVENUE STE 2100 MEMPHIS, TN 38157 |
* | $ 1,290,156,000 | 1 | $ 365,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,625,847,000 | 1 | $ 105,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 175,000 |
| Signature Bank of Arkansas 3878 N CROSSOVER ROAD STE 20 FAYETTEVILLE, AR 72703 |
* | $ 851,707,000 | 1 | $ 125,000 |
| Memphis City Employees Credit Union 2678 MT. MORIAH TERRACE COVE MEMPHIS, TN 38115 |
* | $ 441,663,000 | 1 | $ 185,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 872,778,000 | 1 | $ 65,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 1 | $ 155,000 |
| Success Credit Union P.O. BOX 467 BLYTHEVILLE, AR 72316 |
* | $ 172,423,000 | 1 | $ 115,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 3,831,637,000 | 1 | $ 125,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 105,000 |
| First Security Bank PO BOX 938 SEARCY, AR 72143 |
* | $ 8,218,007,000 | 1 | $ 75,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 285,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 165,000 |
| Security Service 15000 W INTERSTATE 10 BLDG 4 SAN ANTONIO, TX 78249 |
* | $ 10,485,573,000 | 1 | $ 55,000 |
| Kimberly Clark Credit Union 1520 N 2ND ST MEMPHIS, TN 38107 |
* | $ 129,521,000 | 1 | $ 155,000 |
| Jersey State Bank 1000 S STATE ST JERSEYVILLE, IL 62052 |
* | $ 180,638,000 | 1 | $ 105,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 425,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 1 | $ 235,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 35,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 15,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 15,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 315,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,565,203,000 | 1 | $ 95,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 95,000 |
| Telcoe Federal Credit Union PO BOX 34200 LITTLE ROCK, AR 72201 |
* | $ 450,833,000 | 1 | $ 25,000 |
| Sycamore Bank 301 EAST MAIN STREET SENATOBIA, MS 38668 |
* | $ 318,023,000 | 1 | $ 275,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 305,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 175,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,455,015,000 | 1 | $ 305,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 115,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 245,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 95,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 105,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 255,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 215,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 85,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 165,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 1 | $ 85,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 135,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
The tables below break down 2022 mortgage applications in Sharp County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Sharp County, AR in 2022
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 | 559 | $143,675,000 | $257,000 | $69,515,000 | $82,000 | $2,822,000 |
| Cash-out Refinancing | 129 | $17,665,000 | $136,000 | $1,135,000 | $59,000 | $300,000 |
| Refinancing | 118 | $16,790,000 | $142,000 | $1,175,000 | $89,000 | $571,000 |
| Other Purpose | 46 | $3,120,000 | $67,000 | $275,000 | $60,000 | $306,000 |
| Home Improvement | 32 | $1,940,000 | $60,000 | $355,000 | $90,000 | $321,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 680 | $84,210,000 | $123,000 | $475,000 | $79,000 | $2,822,000 |
| Not Provided | 96 | $15,030,000 | $156,000 | $1,175,000 | $77,000 | $306,000 |
| Not applicable | 83 | $80,775,000 | $973,000 | $69,515,000 | $128,000 | $128,000 |
| Hispanic | 10 | $1,140,000 | $114,000 | $305,000 | $64,000 | $153,000 |
| American Indian or Alaskan Native | 5 | $375,000 | $75,000 | $135,000 | $31,000 | $42,000 |
| Black or African American | 5 | $695,000 | $139,000 | $235,000 | $55,000 | $80,000 |
| Asian | 2 | $450,000 | $225,000 | $305,000 | $108,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
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) | 621 | $142,345,000 | $229,000 | $69,515,000 | $85,000 | $2,822,000 |
| VA-guaranteed (Veterans Administration) | 115 | $24,445,000 | $212,000 | $1,175,000 | $70,000 | $300,000 |
| FHA-insured (Federal Housing Administration) | 100 | $11,300,000 | $113,000 | $275,000 | $54,000 | $178,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $5,135,000 | $104,000 | $245,000 | $38,000 | $86,000 |
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 | 442 | $55,830,000 | $126,000 | $475,000 | $77,000 | $571,000 |
| Application Denied By Financial Institution | 154 | $18,270,000 | $118,000 | $1,175,000 | $65,000 | $720,000 |
| Application Withdrawn By Applicant | 124 | $18,390,000 | $148,000 | $1,175,000 | $101,000 | $2,822,000 |
| Loan Purchased By The Institution | 98 | $83,800,000 | $855,000 | $69,515,000 | $93,000 | $271,000 |
| File Closed For Incompleteness | 53 | $5,415,000 | $102,000 | $345,000 | $64,000 | $205,000 |
| Application Approved But Not Accepted | 12 | $1,300,000 | $108,000 | $275,000 | $64,000 | $150,000 |
| Preapproval Approved but not Accepted | 2 | $220,000 | $110,000 | $135,000 | $29,000 | $42,000 |
| 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 | 728 | $164,580,000 | $226,000 | $69,515,000 | $81,000 | $2,822,000 |
| Credit History | 71 | $8,035,000 | $113,000 | $385,000 | $62,000 | $306,000 |
| Debt-To-Income Ratio | 37 | $4,385,000 | $118,000 | $275,000 | $51,000 | $148,000 |
| Collateral | 19 | $3,025,000 | $159,000 | $1,175,000 | $76,000 | $267,000 |
| Credit Application Incomplete | 10 | $850,000 | $85,000 | $195,000 | $71,000 | $227,000 |
| Other | 8 | $550,000 | $68,000 | $115,000 | $51,000 | $124,000 |
| Unverifiable Information | 8 | $1,140,000 | $142,000 | $315,000 | $63,000 | $99,000 |
| Employment History | 3 | $415,000 | $138,000 | $215,000 | $269,000 | $720,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $245,000 | $245,000 | $245,000 | $162,000 | $162,000 |
| 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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