Smith County, TN Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 882 mortgage applications in Smith County, TN totaling $253.9 million, up 16% from 2012. The average application was for $287,000, and applicants reported an average income of $64,000. 52% of applications resulted in an originated loan and 19% were denied. The most active lender was Citizens Bank, with 194 applications, followed by Wilson Bank and Trust 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 | 882 |
| Total Mortgage Loan Application Amount | $253,862,000 |
| Average Mortgage Loan Application Amount | $287,000 |
| Highest Mortgage Loan Application Amount | $95,646,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $2,554,000 |
* 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 |
|---|---|---|---|---|
| Citizens Bank 407 MAIN STREET NORTH CARTHAGE, TN 37030 |
* | $ 510,439,000 | 194 | $ 17,507,000 |
| Wilson Bank and Trust 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ 1,663,652,000 | 94 | $ 8,176,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 52 | $ 6,143,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 47 | $ 5,237,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 42 | $ 4,435,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 29 | $ 1,736,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 816,987,000 | 26 | $ 3,029,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 21 | $ 5,059,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 20 | $ 1,342,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 17 | $ 1,895,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 14 | $ 1,583,000 |
| Wellworth Bank 400 HWY 52 BYPASS WEST LAFAYETTE, TN 37083 |
* | $ 467,720,000 | 13 | $ 786,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 11 | $ 1,715,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 11 | $ 1,809,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 10 | $ 1,258,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 583,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 955,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,182,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 10 | $ 1,076,000 |
| First Freedom Bank 1620 WEST MAIN ST LEBANON, TN 37087 |
* | $ 264,382,000 | 9 | $ 796,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,230,791,000 | 8 | $ 969,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 8 | $ 862,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 7 | $ 1,266,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 7 | $ 1,255,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 917,000 |
| Capital Bank, NA 121 ALHAMBRA PLAZA, SUITE 1601 CORAL GABLES, FL 33134 |
* | $ 7,300,776,000 | 7 | $ 851,000 |
| Pinnacle Bank 150 3RD AVE SOUTH, SUITE 900 NASHVILLE, TN 37201 |
* | $ 5,022,229,000 | 6 | $ 447,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 1,190,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 509,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 482,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 5 | $ 670,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 4 | $ 500,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,284,687,000 | 4 | $ 118,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 440,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 408,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 3 | $ 300,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 252,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 298,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 3 | $ 481,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 3 | $ 589,000 |
| Citizens Bank 100 MCMURRY BLVD HARTSVILLE, TN 37074 |
* | $ 159,478,000 | 3 | $ 297,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 3 | $ 353,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 3 | $ 99,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 2 | $ 117,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 138,000 |
| Southern Bank of Tennessee 1499 N. MT. JULIET RD. MT JULIET, TN 37122 |
* | $ 112,967,000 | 2 | $ 738,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,587,134,000 | 2 | $ 370,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 2 | $ 157,942,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 234,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 563,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 2 | $ 351,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 2 | $ 309,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Platinum Financial Funding, LLC 1913 GUNBARREL ROAD CHATTANOOGA, TN 37421 |
* | $ 1,071,000 | 2 | $ 175,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 2 | $ 124,000 |
| Sumner Bank & Trust 240 W BROADWAY GALLATIN, TN 37066 |
* | $ 183,960,000 | 2 | $ 238,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 2 | $ 211,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 2 | $ 184,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 282,000 |
| Guaranty Mortgage Services, LLC FORT WASHINGTON, PA 19034 |
* | $ 1,270,503,000 | 2 | $ 194,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 304,000 |
| American Bank of Huntsville 3301 MEMORIAL PKWY SW HUNTSVILLE, AL 35801 |
* | $ 159,974,000 | 2 | $ 466,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 378,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 2 | $ 168,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 196,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 277,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 201,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 25,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 5,164,405,000 | 1 | $ 180,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,134,936,000 | 1 | $ 211,000 |
| First National Mortgage Servic 1111 NORTH MAPLE STREET MURFREESBORO, TN 37130 |
* | $ 201,335,000 | 1 | $ 107,000 |
| Volunteer Bank 101 HIGHWAY 52 W PORTLAND, TN 37148 |
* | $ 422,965,000 | 1 | $ 275,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 223,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 130,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 160,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 475,008,000 | 1 | $ 92,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 351,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 1 | $ 45,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 1 | $ 198,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 96,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 84,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 221,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 134,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 882,109,000 | 1 | $ 90,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 543,088,000 | 1 | $ 29,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 84,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 126,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Poli Mortgage Group, Inc. 780 DEDHAM STREET CANTON, MA 02021 |
* | $ 7,525,858,000 | 1 | $ 88,000 |
| Nola Lending Group, LLC 830 W CAUSEWAY BLVD MANDEVILLE, LA 70471 |
* | $ 28,686,000 | 1 | $ 55,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 1 | $ 140,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 102,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 103,000 |
| Cedarstone Bank 900 WEST MAIN ST LEBANON, TN 37087 |
* | $ 164,565,000 | 1 | $ 85,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 209,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 68,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 98,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 27,934,078,000 | 1 | $ 110,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,425,077,000 | 1 | $ 17,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 1 | $ 274,000 |
| Electric Service Credit Union P O BOX 24117 NASHVILLE, TN 37202 |
* | $ 58,327,000 | 1 | $ 13,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 1 | $ 35,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 175,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 1 | $ 180,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 1 | $ 90,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 102,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 101,000 |
| Patriot Bank Mortgage 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 511,822,000 | 1 | $ 59,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 75,000 |
| Magna Bank 6525 QUAIL HOLLOW RD. STE 513 MEMPHIS, TN 38120 |
* | $ 493,648,000 | 1 | $ 115,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 1 | $ 75,000 |
| Macon Bank and Trust Company 609 RED BOILING SPRINGS ROAD LAFAYETTE, TN 37083 |
* | $ 336,435,000 | 1 | $ 43,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 1 | $ 288,000 |
The tables below break down 2013 mortgage applications in Smith 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 Smith County, TN in 2013
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 | 429 | $116,465,000 | $271,000 | $62,296,000 | $77,000 | $2,554,000 |
| Home Purchase | 374 | $134,278,000 | $359,000 | $95,646,000 | $51,000 | $287,000 |
| Home Improvement | 79 | $3,119,000 | $39,000 | $176,000 | $53,000 | $154,000 |
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 | 745 | $81,106,000 | $108,000 | $1,370,000 | $68,000 | $2,554,000 |
| Not applicable | 71 | $165,851,000 | $2,335,000 | $95,646,000 | $9,000 | $94,000 |
| Not Provided | 47 | $5,325,000 | $113,000 | $223,000 | $79,000 | $700,000 |
| Black or African American | 9 | $734,000 | $81,000 | $163,000 | $51,000 | $120,000 |
| Hispanic | 7 | $744,000 | $106,000 | $181,000 | $65,000 | $129,000 |
| American Indian or Alaskan Native | 3 | $102,000 | $34,000 | $71,000 | $73,000 | $148,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 600 | $62,797,000 | $104,000 | $1,370,000 | $76,000 | $2,554,000 |
| FHA-insured (Federal Housing Administration) | 143 | $174,563,000 | $1,220,000 | $95,646,000 | $39,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 91 | $9,451,000 | $103,000 | $184,000 | $31,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 48 | $7,051,000 | $146,000 | $346,000 | $40,000 | $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 | 459 | $48,621,000 | $105,000 | $1,370,000 | $80,000 | $2,554,000 |
| Application Denied By Financial Institution | 170 | $17,941,000 | $105,000 | $417,000 | $52,000 | $700,000 |
| Loan Purchased By The Institution | 117 | $170,997,000 | $1,461,000 | $95,646,000 | $25,000 | $287,000 |
| Application Withdrawn By Applicant | 67 | $8,832,000 | $131,000 | $300,000 | $53,000 | $150,000 |
| Application Approved But Not Accepted | 49 | $4,970,000 | $101,000 | $370,000 | $62,000 | $199,000 |
| File Closed For Incompleteness | 20 | $2,501,000 | $125,000 | $236,000 | $50,000 | $118,000 |
| 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 | 28 | $2,908,000 | $103,000 | $275,000 | $70,000 | $700,000 |
| Debt-To-Income Ratio | 15 | $2,047,000 | $136,000 | $346,000 | $65,000 | $120,000 |
| Collateral | 13 | $1,653,000 | $127,000 | $310,000 | $51,000 | $105,000 |
| Other | 8 | $765,000 | $95,000 | $152,000 | $69,000 | $362,000 |
| Credit Application Incomplete | 6 | $831,000 | $138,000 | $330,000 | $72,000 | $180,000 |
| Unverifiable Information | 3 | $710,000 | $236,000 | $417,000 | $73,000 | $138,000 |
| Employment History | 2 | $194,000 | $97,000 | $135,000 | $49,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $190,000 | $95,000 | $106,000 | $14,000 | $28,000 |
| 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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