Sibley County, MN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 647 mortgage applications in Sibley County, MN totaling $100.5 million, up 17% from 2018. The average application was for $155,000, and applicants reported an average income of $82,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was Wells Fargo Bank NA, with 58 applications, followed by US Bank, N.A. and United Wholesale Mortgage.
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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 | 647 |
| Total Mortgage Loan Application Amount | $100,485,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $3,685,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $973,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 58 | $ 6,930,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 31 | $ 4,455,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 21 | $ 4,255,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 172,075,000 | 21 | $ 3,345,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 16 | $ 2,420,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 16 | $ 2,790,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 16 | $ 3,160,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 16 | $ 4,240,000 |
| First State Bank of Le Center 88 NORTH PARK AVE LE CENTER, MN 56057 |
* | $ 84,432,000 | 15 | $ 1,205,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 15 | $ 2,105,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 14 | $ 1,290,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 19,633,838,000 | 14 | $ 1,030,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 13 | $ 2,125,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 318,656,000 | 13 | $ 2,635,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 11 | $ 1,735,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 11 | $ 1,635,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 786,287,000 | 11 | $ 825,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 352,844,000 | 10 | $ 940,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 10 | $ 1,710,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 12,122,519,000 | 8 | $ 1,020,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 8 | $ 1,540,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 8 | $ 1,780,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,115,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 871,942,000 | 7 | $ 855,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,766,499,000 | 7 | $ 755,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 7 | $ 1,355,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 775,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 5,394,695,000 | 7 | $ 965,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 6 | $ 390,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 6 | $ 1,610,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 417,415,000 | 6 | $ 740,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 302,011,000 | 6 | $ 1,220,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,070,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 5 | $ 425,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,708,028,000 | 5 | $ 665,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 5,065,189,000 | 5 | $ 535,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 5 | $ 985,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 685,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 334,839,000 | 5 | $ 955,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,706,892,000 | 5 | $ 675,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 927,044,000 | 4 | $ 550,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 4 | $ 470,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 560,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 593,865,000 | 4 | $ 370,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 4 | $ 400,000 |
| First National Bank Minnesota 500 LONG STREET MANKATO, MN 56001 |
* | $ 211,095,000 | 4 | $ 270,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 1,282,907,000 | 4 | $ 370,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 325,000 |
| Security Bank & Trust Company 735 11TH STREET, P.O. BOX 218 GLENCOE, MN 55336 |
* | $ 516,522,000 | 3 | $ 65,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 3 | $ 535,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 3 | $ 325,000 |
| South Metro Federal Credit Uni 2573 CREDIT UNION DRIVE PRIOR LAKE, MN 55372 |
* | $ 116,099,000 | 3 | $ 475,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 215,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 3 | $ 395,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 585,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 655,000 |
| Progrowth Bank 703 3RD STREET, PO BOX 77 NICOLLET, MN 56074 |
* | $ 142,406,000 | 3 | $ 455,000 |
| United Prairie Bank 10 FIRESTONE DRIVE, SUITE 300 MANKATO, MN 56001 |
* | $ 599,378,000 | 3 | $ 1,535,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 3 | $ 635,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 375,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 1,072,790,000 | 3 | $ 225,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,389,689,000 | 3 | $ 465,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 415,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 470,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 50,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 2 | $ 250,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,176,480,000 | 2 | $ 440,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ 144,264,000 | 2 | $ 180,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 140,000 |
| Roundbank 200 SECOND STREET NE, PO BOX 667 WASECA, MN 56093 |
* | $ 308,104,000 | 2 | $ 690,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 250,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 340,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 300,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ -1,000 | 2 | $ 120,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 2 | $ 380,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,987,488,000 | 2 | $ 70,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 2 | $ 500,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 690,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 2 | $ 230,000 |
| The Bank of Elk River 630 MAIN STREET ELK RIVER, MN 55330 |
* | $ 425,006,000 | 2 | $ 100,000 |
| First National Bank 125 WEST SIOUX AVE PIERRE, SD 57501 |
* | $ 997,633,000 | 2 | $ 550,000 |
| First National Bank of Le Center 10 W. MINNESOTA ST LE CENTER, MN 56057 |
* | $ 109,906,000 | 2 | $ 250,000 |
| Amerifirst Financial, Inc. 1550 E. MCKELLIPS RD, SUITE 117 MESA, AZ 85203 |
* | $ -1,000 | 1 | $ 295,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 125,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 95,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 95,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 75,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 175,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 65,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 8,305,036,000 | 1 | $ 205,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 405,000 |
| Great Western Bank 225 S MAIN AVE SIOUX FALLS, SD 57104 |
* | $ 12,568,651,000 | 1 | $ 65,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,029,298,000 | 1 | $ 585,000 |
| First Farmers & Merchants Bank 123 SOUTH FOURTH STREET CANNON FALLS, MN 55009 |
* | $ 323,576,000 | 1 | $ 115,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 1,100,060,000 | 1 | $ 75,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 87,268,647,000 | 1 | $ 65,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 265,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 125,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 215,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 1,071,979,000 | 1 | $ 135,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 1 | $ 155,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 215,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 175,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 175,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 145,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,111,480,000 | 1 | $ 95,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 85,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 463,857,000 | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 1 | $ 255,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 215,000 |
| Heartland Credit Union 5500 S ROBERT TRAIL INVER GROVE HEIGHTS, MN 55077 |
* | $ 117,010,000 | 1 | $ 15,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 165,000 |
| American Heritage National Bank 24 2ND ST S LONG PRAIRIE, MN 56347 |
* | $ 360,848,000 | 1 | $ 3,685,000 |
| Minnesota Valley Federal Credit Union 1640 ADAMS ST MANKATO, MN 56001 |
* | $ 167,891,000 | 1 | $ 565,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 205,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 175,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 215,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 115,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 1 | $ 805,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 195,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 145,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ -1,000 | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2019 mortgage applications in Sibley County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Sibley County, MN in 2019
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 | 311 | $47,325,000 | $152,000 | $585,000 | $68,000 | $240,000 |
| Refinancing | 143 | $26,925,000 | $188,000 | $1,235,000 | $103,000 | $973,000 |
| Cash-out Refinancing | 118 | $18,110,000 | $153,000 | $565,000 | $84,000 | $241,000 |
| Other Purpose | 33 | $1,815,000 | $55,000 | $165,000 | $93,000 | $222,000 |
| Home Improvement | 31 | $4,855,000 | $156,000 | $3,685,000 | $99,000 | $182,000 |
| Not Applicable | 11 | $1,455,000 | $132,000 | $345,000 | $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 | 490 | $73,980,000 | $150,000 | $825,000 | $81,000 | $296,000 |
| Not applicable | 76 | $15,780,000 | $207,000 | $3,685,000 | $65,000 | $159,000 |
| Not Provided | 43 | $5,925,000 | $137,000 | $465,000 | $122,000 | $973,000 |
| Hispanic | 28 | $3,170,000 | $113,000 | $255,000 | $54,000 | $128,000 |
| American Indian or Alaskan Native | 4 | $770,000 | $192,000 | $235,000 | $51,000 | $110,000 |
| Asian | 3 | $545,000 | $181,000 | $215,000 | $50,000 | $64,000 |
| Black or African American | 3 | $315,000 | $105,000 | $175,000 | $38,000 | $45,000 |
| 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) | 484 | $73,470,000 | $151,000 | $3,685,000 | $86,000 | $973,000 |
| FHA-insured (Federal Housing Administration) | 98 | $14,150,000 | $144,000 | $255,000 | $52,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 40 | $9,380,000 | $234,000 | $585,000 | $99,000 | $241,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,485,000 | $139,000 | $195,000 | $53,000 | $78,000 |
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 | 398 | $63,810,000 | $160,000 | $3,685,000 | $81,000 | $293,000 |
| Loan Purchased By The Institution | 80 | $13,640,000 | $170,000 | $825,000 | $90,000 | $293,000 |
| Application Denied By Financial Institution | 77 | $9,565,000 | $124,000 | $805,000 | $73,000 | $296,000 |
| Application Withdrawn By Applicant | 68 | $10,000,000 | $147,000 | $405,000 | $84,000 | $273,000 |
| File Closed For Incompleteness | 12 | $1,720,000 | $143,000 | $255,000 | $148,000 | $973,000 |
| Application Approved But Not Accepted | 12 | $1,750,000 | $145,000 | $385,000 | $95,000 | $177,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 508 | $78,920,000 | $155,000 | $825,000 | $85,000 | $973,000 |
| Debt-To-Income Ratio | 79 | $14,065,000 | $178,000 | $3,685,000 | $67,000 | $191,000 |
| Credit History | 26 | $3,200,000 | $123,000 | $805,000 | $82,000 | $296,000 |
| Collateral | 18 | $1,920,000 | $106,000 | $285,000 | $69,000 | $161,000 |
| Other | 7 | $1,305,000 | $186,000 | $305,000 | $106,000 | $227,000 |
| Credit Application Incomplete | 4 | $550,000 | $137,000 | $185,000 | $80,000 | $108,000 |
| Unverifiable Information | 3 | $335,000 | $111,000 | $265,000 | $59,000 | $69,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $125,000 | $125,000 | $125,000 | $32,000 | $32,000 |
| 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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