Smith County, TN Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,066 mortgage applications in Smith County, TN totaling $133.3 million, up 20% from 2016. The average application was for $125,000, and applicants reported an average income of $52,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was Citizens Bank, with 190 applications, followed by Wilson Bank and Trust and F&M Bank.

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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 1,066
Total Mortgage Loan Application Amount $133,322,000
Average Mortgage Loan Application Amount $125,000
Highest Mortgage Loan Application Amount $920,000
Average Applicant Income $52,000
Highest Applicant Income $1,178,000

Mortgage Company List for Lending in Smith County, TN for 2017

* 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
* $ 569,317,000 190 $ 14,475,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ 2,183,232,000 77 $ 10,292,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 978,809,000 37 $ 3,023,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 35 $ 5,388,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 31 $ 4,402,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 27 $ 4,016,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 26 $ 4,018,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 23 $ 3,414,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 21 $ 1,136,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ -1,000 20 $ 2,480,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 20 $ 1,422,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 19 $ 3,286,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 18 $ 2,916,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 17 $ 2,931,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 15 $ 1,690,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 13 $ 1,838,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 1,912,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 2,154,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 12 $ 1,703,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 11 $ 1,844,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,857,000
First Advantage Bank
1430 MADISON STREET
CLARKSVILLE, TN 37040
* $ 528,339,000 11 $ 729,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,257,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 10 $ 1,522,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 10 $ 1,646,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 10 $ 1,256,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 10 $ 1,132,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 9 $ 1,671,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 9 $ 1,136,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 8 $ 977,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 8 $ 127,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 8 $ 1,256,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,042,021,000 8 $ 1,160,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 8 $ 1,463,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 11,096,621,000 7 $ 1,011,000
Southern Bank of Tennessee
1499 N. MT. JULIET RD.
MT JULIET, TN 37122
* $ 238,655,000 6 $ 879,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 6 $ 1,264,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 6 $ 805,000
Wellworth Bank
400 HWY 52 BYPASS WEST
LAFAYETTE, TN 37083
* $ 884,728,000 6 $ 367,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 6 $ 693,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 6 $ 953,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 6 $ 756,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,017,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 5 $ 763,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 5 $ 812,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 5 $ 583,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 851,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ -1,000 5 $ 684,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 786,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 742,000
First Freedom Bank
1620 WEST MAIN ST
LEBANON, TN 37087
* $ 420,812,000 5 $ 556,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ 1,047,644,000 5 $ 610,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 5 $ 905,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 5 $ 671,000
US Community Credit Union
P.O. BOX 14570
NASHVILLE, TN 37214
* $ 177,355,000 4 $ 282,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 4 $ 547,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 4 $ 567,000
Finworth Mortgage, LLC, An Insbank Company
2106 CRESTMOOR ROAD
NASHVILLE, TN 37215
* $ -1,000 4 $ 585,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 3 $ 401,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 3 $ 541,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 3 $ 527,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 3 $ 467,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 585,000
American Bancshares Mortgage, LLC
14261 COMMERCE WAY SUITE 100
MIAMI LAKES, FL 33016
* $ -1,000 3 $ 379,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 3 $ 522,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ -1,000 3 $ 423,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 382,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 50,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ 618,440,000 2 $ 86,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 2 $ 236,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 400,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 305,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 2 $ 218,000
Franklin Synergy Bank
722 COLUMBIA AVENUE
FRANKLIN, TN 37064
* $ 2,945,356,000 2 $ 418,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 0 2 $ 145,000
Builtwell Bank
728 BROAD STREET
CHATTANOOGA, TN 37402
* $ 919,807,000 2 $ 110,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 2 $ 222,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ 0 2 $ 92,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 196,000
First Tn Bk NA
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 9,936,645,000 2 $ 286,000
First National Mortgage Services, LLC
1111 NORTH MAPLE STREET
MURFREESBORO, TN 37130
* $ -1,000 2 $ 244,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 2 $ 227,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 320,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ 793,220,000 2 $ 5,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 2 $ 326,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 319,000
Citizens Bank
100 MCMURRY BLVD
HARTSVILLE, TN 37074
* $ 212,823,000 2 $ 139,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 2 $ 339,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 262,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 2 $ 287,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 352,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ -1,000 2 $ 290,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 2 $ 390,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 206,000
CU Community, LLC
2077 TOWN CENTER BOULEVARD
KNOXVILLE, TN 37922
* $ -1,000 2 $ 192,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ 0 1 $ 152,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 156,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 143,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 1 $ 129,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 1 $ 200,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 14,723,604,000 1 $ 145,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 250,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,072,392,000 1 $ 150,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 282,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 109,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 133,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 1 $ 86,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,393,408,000 1 $ 77,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 108,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 180,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 98,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 145,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 115,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 201,000
Gardner Financial Services, Ltd.
3503 PAESANOS PKWY
SAN ANTONIO, TX 78231
* $ -1,000 1 $ 100,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 1 $ 152,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 325,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 968,843,000 1 $ 52,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 5,294,501,000 1 $ 164,000
Great Lakes Credit Union
2525 GREEN BAY
BANNOCKBURN, IL 60015
* $ 767,252,000 1 $ 100,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 134,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 104,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 74,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 148,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 93,000
Cedarstone Bank
900 WEST MAIN ST
LEBANON, TN 37087
* $ 177,048,000 1 $ 95,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 1,848,531,000 1 $ 121,000
Dupaco Community Credit Union
PO BOX 179
DUBUQUE, IA 52004
* $ 1,515,035,000 1 $ 184,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 320,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 134,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 1 $ 180,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 325,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 1 $ 83,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 132,000
Southern Community Bank
1400 NORTH JACKSON STREET
TULLAHOMA, TN 37388
* $ 245,037,000 1 $ 85,000
Fme Federal Credit Union
29624 HARPER
ST CLAIR SHORES, MI 48082
* $ 70,673,000 1 $ 131,000
Macon Bank and Trust Company
609 RED BOILING SPRINGS ROAD
LAFAYETTE, TN 37083
* $ 381,069,000 1 $ 99,000
Banktennessee
1125 WEST POPLAR AVENUE
COLLIERVILLE, TN 38017
* $ 287,973,000 1 $ 62,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ 0 1 $ 92,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 1 $ 8,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 114,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 107,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 81,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 163,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 6,884,999,000 1 $ 182,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 112,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 224,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 21,301,361,000 1 $ 116,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 93,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 275,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 21,574,595,000 1 $ 98,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 195,406,000 1 $ 160,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 229,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 631,716,000 1 $ 215,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 1 $ 317,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 911,063,000 1 $ 134,000

The tables below break down 2017 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 2017

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 598 $84,529,000 $141,000 $433,000 $51,000 $402,000
Refinancing 329 $43,466,000 $132,000 $920,000 $51,000 $1,178,000
Home Improvement 139 $5,327,000 $38,000 $279,000 $55,000 $200,000

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 802 $96,323,000 $120,000 $920,000 $59,000 $1,178,000
Not applicable 155 $21,774,000 $140,000 $433,000 $5,000 $153,000
Not Provided 56 $8,194,000 $146,000 $320,000 $70,000 $402,000
Black or African American 22 $3,258,000 $148,000 $425,000 $64,000 $136,000
Hispanic 17 $2,076,000 $122,000 $234,000 $46,000 $94,000
American Indian or Alaskan Native 12 $1,285,000 $107,000 $325,000 $65,000 $210,000
Asian 1 $182,000 $182,000 $182,000 $68,000 $68,000
Native Hawaiian or Other Pacific Islander 1 $230,000 $230,000 $230,000 $87,000 $87,000

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) 591 $60,380,000 $102,000 $920,000 $60,000 $1,178,000
FHA-insured (Federal Housing Administration) 250 $37,340,000 $149,000 $325,000 $41,000 $241,000
VA-guaranteed (Veterans Administration) 124 $21,567,000 $173,000 $433,000 $51,000 $210,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 101 $14,035,000 $138,000 $298,000 $32,000 $88,000

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 556 $65,078,000 $117,000 $416,000 $59,000 $340,000
Application Denied By Financial Institution 166 $18,614,000 $112,000 $425,000 $54,000 $402,000
Loan Purchased By The Institution 165 $25,865,000 $156,000 $433,000 $14,000 $153,000
Application Withdrawn By Applicant 100 $13,899,000 $138,000 $920,000 $63,000 $1,178,000
Application Approved But Not Accepted 46 $5,893,000 $128,000 $305,000 $59,000 $154,000
File Closed For Incompleteness 33 $3,973,000 $120,000 $325,000 $55,000 $210,000
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 26 $2,276,000 $87,000 $275,000 $64,000 $402,000
Collateral 16 $2,685,000 $167,000 $380,000 $61,000 $205,000
Debt-To-Income Ratio 12 $1,671,000 $139,000 $324,000 $51,000 $155,000
Other 9 $1,232,000 $136,000 $245,000 $89,000 $241,000
Credit Application Incomplete 6 $535,000 $89,000 $118,000 $48,000 $67,000
Unverifiable Information 3 $333,000 $111,000 $141,000 $33,000 $40,000
Insufficient Cash (Downpayment, Closing Cost) 2 $328,000 $164,000 $223,000 $52,000 $72,000
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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