Smith County, TN Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 850 mortgage applications in Smith County, TN totaling $92.3 million, up 17% from 2014. The average application was for $108,000, and applicants reported an average income of $51,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was Citizens Bank, with 215 applications, followed by Wilson Bank and Trust and US Bank, N.A..
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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 | 850 |
| Total Mortgage Loan Application Amount | $92,280,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $1,200,000 |
* 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 |
* | $ 533,088,000 | 215 | $ 16,233,000 |
| Wilson Bank and Trust 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ 1,862,701,000 | 80 | $ 8,499,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 37 | $ 4,919,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 34 | $ 4,272,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 21 | $ 2,864,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 18 | $ 2,918,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 839,930,000 | 17 | $ 1,827,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 2,080,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 13 | $ 1,182,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 13 | $ 1,453,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 13 | $ 1,781,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 12 | $ 759,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 10 | $ 1,227,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 10 | $ 1,179,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 10 | $ 1,040,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,123,000 |
| Pinnacle Bank 150 3RD AVE SOUTH, SUITE 900 NASHVILLE, TN 37201 |
* | $ 5,997,867,000 | 9 | $ 1,281,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 9 | $ 1,300,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,299,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 8 | $ 931,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 8 | $ 1,414,000 |
| First Tn Bk NA 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 6,830,545,000 | 8 | $ 879,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 814,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 7 | $ 994,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 329,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 764,000 |
| First Advantage Bank 1430 MADISON STREET CLARKSVILLE, TN 37040 |
* | $ 442,381,000 | 7 | $ 503,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 7 | $ 848,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 6 | $ 735,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 6 | $ 671,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 6 | $ 764,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 6 | $ 601,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 6 | $ 877,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 6 | $ 745,000 |
| First Freedom Bank 1620 WEST MAIN ST LEBANON, TN 37087 |
* | $ 290,780,000 | 6 | $ 755,000 |
| Southern Bank of Tennessee 1499 N. MT. JULIET RD. MT JULIET, TN 37122 |
* | $ 192,173,000 | 6 | $ 599,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 5 | $ 230,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 5 | $ 581,000 |
| Wellworth Bank 400 HWY 52 BYPASS WEST LAFAYETTE, TN 37083 |
* | $ 666,644,000 | 5 | $ 387,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 433,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 5 | $ 630,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 4 | $ 68,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 4 | $ 456,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 4 | $ 36,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 484,000 |
| Bank of Tennessee 301 E. CENTER ST. KINGSPORT, TN 37660 |
* | $ 916,930,000 | 3 | $ 1,281,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 579,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ 40,000,000 | 3 | $ 380,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 324,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 346,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 3 | $ 320,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 880,718,000 | 3 | $ 40,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 3 | $ 303,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 3 | $ 281,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,462,316,000 | 3 | $ 302,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 3 | $ 411,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 328,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 254,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 129,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 270,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 393,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 270,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 347,000 |
| US Community Credit Union P.O. BOX 14570 NASHVILLE, TN 37214 |
* | $ 155,250,000 | 2 | $ 196,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 156,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 211,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 308,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 317,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 180,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 421,354,000 | 2 | $ 558,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 327,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 289,000 |
| Ascend Federal Credit Union 520 AIRPARK DRIVE TULLAHOMA, TN 37388 |
* | $ 1,721,160,000 | 1 | $ 64,000 |
| Finworth Mortgage, LLC, An Insbank Company 2106 CRESTMOOR ROAD NASHVILLE, TN 37215 |
* | $ 262,333,000 | 1 | $ 100,000 |
| CU Community, LLC 2077 TOWN CENTER BOULEVARD KNOXVILLE, TN 37922 |
* | $ 981,094,000 | 1 | $ 126,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 1 | $ 128,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,052,329,000 | 1 | $ 79,000 |
| Macon Bank and Trust Company 609 RED BOILING SPRINGS ROAD LAFAYETTE, TN 37083 |
* | $ 350,255,000 | 1 | $ 62,000 |
| Citizens Bank 100 MCMURRY BLVD HARTSVILLE, TN 37074 |
* | $ 176,792,000 | 1 | $ 148,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 125,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 66,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 224,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 5,785,742,000 | 1 | $ 41,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 414,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 150,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Southeast Bank 192 N SEVEN OAKS DR FARRAGUT, TN 37934 |
* | $ 690,870,000 | 1 | $ 20,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 170,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 110,000 |
| Cedarstone Bank 900 WEST MAIN ST LEBANON, TN 37087 |
* | $ 170,605,000 | 1 | $ 85,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,314,758,000 | 1 | $ 119,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 208,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 104,474,692,000 | 1 | $ 88,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 140,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 55,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 118,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 167,000 |
| The Mortgage Firm 921 DOUGLAS AVENUE, SUITE 200 ALTAMONTE SPRINGS, FL 32714 |
* | $ 42,892,123,000 | 1 | $ 209,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 378,840,000 | 1 | $ 107,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 98,000 |
| Communityamerica Federal Credit Union 9777 RIDGE DR LENEXA, KS 66219 |
* | $ 1,988,059,000 | 1 | $ 118,000 |
| Platinum Financial Funding, LLC 1913 GUNBARREL ROAD CHATTANOOGA, TN 37421 |
* | $ 1,071,000 | 1 | $ 128,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 98,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 1 | $ 167,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 30,000 |
| Hamilton Mortgage Corporation 2850 19TH ST S, SUITE 300 BIRMINGHAM, AL 35209 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 106,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 324,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Integrity First Financial Group, Inc. 6333 GREENWICH DRIVE SUITE 280 SAN DIEGO, CA 92122 |
* | $ 26,494,000 | 1 | $ 95,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 254,000 |
| Electric Service Credit Union P O BOX 24117 NASHVILLE, TN 37202 |
* | $ 60,534,000 | 1 | $ 15,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 39,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 181,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 289,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,713,197,000 | 1 | $ 88,000 |
The tables below break down 2015 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 2015
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 | 407 | $49,183,000 | $120,000 | $585,000 | $53,000 | $1,200,000 |
| Refinancing | 316 | $38,144,000 | $120,000 | $414,000 | $47,000 | $334,000 |
| Home Improvement | 127 | $4,953,000 | $39,000 | $280,000 | $56,000 | $234,000 |
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 | 700 | $73,940,000 | $105,000 | $585,000 | $57,000 | $1,200,000 |
| Not applicable | 83 | $11,130,000 | $134,000 | $485,000 | $0 | $38,000 |
| Not Provided | 40 | $4,714,000 | $117,000 | $393,000 | $53,000 | $197,000 |
| Black or African American | 17 | $1,468,000 | $86,000 | $189,000 | $37,000 | $61,000 |
| Hispanic | 8 | $884,000 | $110,000 | $167,000 | $67,000 | $122,000 |
| American Indian or Alaskan Native | 2 | $144,000 | $72,000 | $105,000 | $15,000 | $18,000 |
| 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) | 525 | $50,509,000 | $96,000 | $414,000 | $61,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 177 | $21,005,000 | $118,000 | $285,000 | $34,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 75 | $11,942,000 | $159,000 | $585,000 | $46,000 | $283,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $8,824,000 | $120,000 | $242,000 | $31,000 | $84,000 |
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 | 478 | $47,755,000 | $99,000 | $486,000 | $61,000 | $1,200,000 |
| Application Denied By Financial Institution | 147 | $15,705,000 | $106,000 | $585,000 | $48,000 | $281,000 |
| Loan Purchased By The Institution | 104 | $14,328,000 | $137,000 | $485,000 | $12,000 | $108,000 |
| Application Withdrawn By Applicant | 53 | $7,026,000 | $132,000 | $345,000 | $55,000 | $306,000 |
| File Closed For Incompleteness | 34 | $3,231,000 | $95,000 | $289,000 | $48,000 | $129,000 |
| Application Approved But Not Accepted | 33 | $4,112,000 | $124,000 | $297,000 | $48,000 | $108,000 |
| Preapproval Approved but not Accepted | 1 | $123,000 | $123,000 | $123,000 | $32,000 | $32,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 26 | $2,260,000 | $86,000 | $269,000 | $39,000 | $100,000 |
| Collateral | 18 | $2,281,000 | $126,000 | $414,000 | $64,000 | $139,000 |
| Debt-To-Income Ratio | 12 | $1,396,000 | $116,000 | $222,000 | $53,000 | $158,000 |
| Credit Application Incomplete | 7 | $875,000 | $125,000 | $295,000 | $61,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $175,000 | $87,000 | $118,000 | $35,000 | $40,000 |
| Other | 1 | $123,000 | $123,000 | $123,000 | $0 | $0 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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