Sibley County, MN Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 573 mortgage applications in Sibley County, MN totaling $103.6 million, down 41% from 2021. The average application was for $180,000, and applicants reported an average income of $88,000. 61% of applications resulted in an originated loan and 11% were denied. The most active lender was US Bank, N.A., with 32 applications, followed by PennyMac Loan Services LLC and Newrez LLC.
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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 | 573 |
| Total Mortgage Loan Application Amount | $103,575,000 |
| Average Mortgage Loan Application Amount | $180,000 |
| Highest Mortgage Loan Application Amount | $845,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $750,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 32 | $ 4,940,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 24 | $ 5,190,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 22 | $ 5,000,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 19 | $ 3,625,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 18 | $ 2,440,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 17 | $ 3,905,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 508,641,000 | 16 | $ 1,800,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 9,729,918,000 | 15 | $ 3,015,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 14 | $ 2,590,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 13 | $ 2,655,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 13 | $ 2,965,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 13 | $ 4,045,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 12 | $ 2,460,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 12 | $ 2,110,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 231,219,000 | 11 | $ 1,755,000 |
| Citizens Bank Minnesota 105 NORTH MINNESOTA STREET NEW ULM, MN 56073 |
* | $ 586,804,000 | 10 | $ 1,240,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 10 | $ 1,410,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 10 | $ 2,470,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 3,746,301,000 | 9 | $ 955,000 |
| Hometown Bank 1600 MONROE DRIVE CARVER, MN 55315 |
* | $ 523,774,000 | 8 | $ 930,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 8 | $ 880,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,365,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 1,745,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,405,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 6 | $ 290,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 1,190,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,440,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 5 | $ 955,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ -1,000 | 5 | $ 1,395,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 5 | $ 775,000 |
| Cortrust Mortgage, Inc. 2101 S MINNESOTA AVENUE SIOUX FALLS, SD 57105 |
* | $ -1,000 | 5 | $ 1,185,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 3,979,767,000 | 5 | $ 395,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 16,499,164,000 | 5 | $ 1,755,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 860,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 480,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 810,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 2,820,664,000 | 4 | $ 720,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 4 | $ 360,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 560,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 7,846,662,000 | 4 | $ 430,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 4 | $ 670,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 4 | $ 830,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 805,000 |
| Results Mortgage, LLC 11200 WEST 78TH STREET, SUITE 50 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 3 | $ 675,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 3 | $ 555,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 705,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 3 | $ 415,000 |
| Minnstar Bank National Association P.O. BOX 270 LAKE CRYSTAL, MN 56055 |
* | $ 170,474,000 | 3 | $ 425,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 3 | $ 795,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 595,000 |
| American Portfolio Mortgage Corporation 800 EAST NORTHWEST HIGHWAY PALATINE, IL 60067 |
* | $ -1,000 | 3 | $ 845,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 2,704,195,000 | 3 | $ 435,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 2,730,710,000 | 3 | $ 245,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 3 | $ 585,000 |
| Novation Credit Union 500 IMPERIAL AVE OAKDALE, MN 55128 |
* | $ 218,712,000 | 3 | $ 185,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 420,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 300,000 |
| American Nationwide Mortgage Company, Inc. 3820 NORTHDALE BLVD STE 111A TAMPA, FL 33624 |
* | $ -1,000 | 2 | $ 140,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 200,000 |
| Minnesota Valley Federal Credit Union 1640 ADAMS ST MANKATO, MN 56001 |
* | $ 257,449,000 | 2 | $ 140,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 180,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 651,106,000 | 2 | $ 100,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 600,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 870,500,000 | 2 | $ 190,000 |
| Center National Bank 301 N. RAMSEY AVE. LITCHFIELD, MN 55355 |
* | $ 269,950,000 | 2 | $ 250,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 2 | $ 300,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 1,948,614,000 | 2 | $ 80,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 2 | $ 340,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 2 | $ 390,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 2 | $ 570,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 2 | $ 260,000 |
| New Market Bank 101 OLD TOWN RD ELKO NEW MARKET, MN 55054 |
* | $ 193,071,000 | 1 | $ 465,000 |
| Flagship Bank Minnesota 1415 WAYZATA BLVD E WAYZATA, MN 55391 |
* | $ 325,748,000 | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 75,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 4,030,966,000 | 1 | $ 235,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| Fnb Moose Lake 400 ELM AVENUE PO BOX 429 MOOSE LAKE, MN 55767 |
* | $ 127,752,000 | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 145,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 75,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 95,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 215,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 205,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
| The Bank of Elk River 630 MAIN STREET ELK RIVER, MN 55330 |
* | $ 635,628,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 155,000 |
| First National Bank of Le Center 10 W. MINNESOTA ST LE CENTER, MN 56057 |
* | $ 133,314,000 | 1 | $ 235,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 175,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 348,453,000 | 1 | $ 165,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 185,000 |
| City & County Credit Union 144 11TH ST. E SAINT PAUL, MN 55101 |
* | $ 1,170,198,000 | 1 | $ 65,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 1 | $ 165,000 |
| American Investors Bank and Mortgage 6385 OLD SHADY OAK ROAD, SUITE #110 EDEN PRAIRIE, MN 55344 |
* | $ 94,923,000 | 1 | $ 65,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,230,840,000 | 1 | $ 235,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 415,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 95,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 195,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 125,000 |
| Citizens Alliance Bank 55 NW 1ST ST NW PO BOX 430 CLARA CITY, MN 56222 |
* | $ 1,056,226,000 | 1 | $ 305,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 205,000 |
| Citizens State Bank 375 STAGELINE RD HUDSON, WI 54016 |
* | $ 317,042,000 | 1 | $ 135,000 |
| Bank Midwest 1525 18TH STREET SUITE 100 SPIRIT LAKE, IA 51360 |
* | $ 1,234,147,000 | 1 | $ 135,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 215,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 205,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 255,000 |
| Sharepoint Credit Union 5300 HYLAND GREENS DR BLOOMINGTON, MN 55437 |
* | $ 305,574,000 | 1 | $ 175,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 3,310,189,000 | 1 | $ 215,000 |
| Cortrust Bank 100 EAST HAVENS MITCHELL, SD 57301 |
* | $ 1,566,307,000 | 1 | $ 65,000 |
| Building Trades Federal Credit Union 12080 73RD AVENUE NORTH OSSEO, MN 55369 |
* | $ 201,738,000 | 1 | $ 315,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 1,341,481,000 | 1 | $ 235,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 135,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 215,000 |
| First Bank & Trust 520 6TH STREET BROOKINGS, SD 57006 |
* | $ 4,059,403,000 | 1 | $ 125,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 115,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 467,757,000 | 1 | $ 145,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 1 | $ 75,000 |
| Bayfirst Financial 9190 SEMINOLE BLVD SAINT PETERSBURG, FL 33701 |
* | $ 917,272,000 | 1 | $ 215,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 95,000 |
| Alliance Bank 105 EAST LYON AVE LAKE CITY, MN 55041 |
* | $ 781,244,000 | 1 | $ 135,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 265,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 165,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 115,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 125,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2022 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 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 | 299 | $61,745,000 | $206,000 | $575,000 | $80,000 | $694,000 |
| Cash-out Refinancing | 138 | $23,830,000 | $172,000 | $445,000 | $89,000 | $283,000 |
| Refinancing | 75 | $12,205,000 | $162,000 | $845,000 | $87,000 | $319,000 |
| Home Improvement | 30 | $2,520,000 | $84,000 | $255,000 | $102,000 | $224,000 |
| Other Purpose | 29 | $3,035,000 | $104,000 | $625,000 | $140,000 | $750,000 |
| Not Applicable | 2 | $240,000 | $120,000 | $145,000 | $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 | 409 | $74,955,000 | $183,000 | $845,000 | $89,000 | $750,000 |
| Not applicable | 73 | $14,605,000 | $200,000 | $465,000 | $79,000 | $123,000 |
| Not Provided | 57 | $8,895,000 | $156,000 | $465,000 | $90,000 | $211,000 |
| Hispanic | 27 | $3,815,000 | $141,000 | $355,000 | $66,000 | $254,000 |
| Asian | 5 | $925,000 | $185,000 | $305,000 | $67,000 | $104,000 |
| Black or African American | 2 | $380,000 | $190,000 | $345,000 | $83,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 383 | $65,625,000 | $171,000 | $845,000 | $94,000 | $750,000 |
| FHA-insured (Federal Housing Administration) | 127 | $23,795,000 | $187,000 | $385,000 | $73,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 39 | $8,685,000 | $222,000 | $455,000 | $75,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $5,470,000 | $227,000 | $305,000 | $71,000 | $105,000 |
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 | 349 | $63,555,000 | $182,000 | $845,000 | $90,000 | $694,000 |
| Application Withdrawn By Applicant | 65 | $11,935,000 | $183,000 | $435,000 | $80,000 | $268,000 |
| Application Denied By Financial Institution | 62 | $8,730,000 | $140,000 | $575,000 | $78,000 | $750,000 |
| Loan Purchased By The Institution | 62 | $12,790,000 | $206,000 | $465,000 | $76,000 | $123,000 |
| File Closed For Incompleteness | 21 | $3,835,000 | $182,000 | $415,000 | $98,000 | $283,000 |
| Application Approved But Not Accepted | 12 | $2,160,000 | $180,000 | $405,000 | $109,000 | $444,000 |
| Preapproval Approved but not Accepted | 2 | $570,000 | $285,000 | $305,000 | $77,000 | $96,000 |
| 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 | 491 | $92,105,000 | $187,000 | $845,000 | $90,000 | $694,000 |
| Debt-To-Income Ratio | 36 | $4,830,000 | $134,000 | $355,000 | $65,000 | $181,000 |
| Credit History | 15 | $1,095,000 | $73,000 | $155,000 | $67,000 | $128,000 |
| Collateral | 14 | $2,680,000 | $191,000 | $575,000 | $129,000 | $750,000 |
| Credit Application Incomplete | 4 | $340,000 | $85,000 | $175,000 | $66,000 | $111,000 |
| Other | 4 | $940,000 | $235,000 | $345,000 | $129,000 | $189,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $530,000 | $132,000 | $155,000 | $49,000 | $56,000 |
| Unverifiable Information | 3 | $605,000 | $201,000 | $255,000 | $66,000 | $89,000 |
| Employment History | 2 | $450,000 | $225,000 | $325,000 | $45,000 | $48,000 |
| 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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