Somerset County, ME Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,567 mortgage applications in Somerset County, ME totaling $168.4 million, down 2% from 2016. The average application was for $107,000, and applicants reported an average income of $60,000. 51% of applications resulted in an originated loan and 21% were denied. The most active lender was Bangor Savings Bank, with 175 applications, followed by Skowhegan Savings Bank and The Camden National 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 | 1,567 |
| Total Mortgage Loan Application Amount | $168,389,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $534,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,458,000 |
* 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 |
|---|---|---|---|---|
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 3,630,633,000 | 175 | $ 14,294,000 |
| Skowhegan Savings Bank 13 ELM ST SKOWHEGAN, ME 04976 |
* | $ 588,505,000 | 170 | $ 18,011,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 3,842,089,000 | 145 | $ 12,195,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 66 | $ 7,701,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 58 | $ 4,280,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 56 | $ 7,862,000 |
| Sebasticook Valley FCU PO BOX 10 PITTSFIELD, ME 04967 |
* | $ 93,498,000 | 52 | $ 4,095,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 269,030,606,000 | 43 | $ 3,159,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 34 | $ 4,258,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 29 | $ 3,735,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 28 | $ 3,042,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 26 | $ 3,325,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 25 | $ 3,572,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 25 | $ 3,364,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 25 | $ 3,250,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 23 | $ 2,631,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 21 | $ 2,551,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 21 | $ 2,828,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 19 | $ 2,084,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 40,287,450,000 | 18 | $ 1,854,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ -1,000 | 18 | $ 2,308,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 18 | $ 1,883,000 |
| Cuso Mortgage Corporation 101 WESTERN AVENUE HAMPDEN, ME 04444 |
* | $ -1,000 | 16 | $ 1,395,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ -1,000 | 16 | $ 1,542,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 15 | $ 1,635,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 14 | $ 1,562,000 |
| Maine Highlands Federal Credit Union PO BOX 233 DEXTER, ME 04930 |
* | $ 109,137,000 | 13 | $ 1,030,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 0 | 12 | $ 1,582,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 12 | $ 1,677,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 736,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 10 | $ 1,400,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 10 | $ 1,216,000 |
| University Credit Union 15 MAIN STREET ORONO, ME 04473 |
* | $ 276,038,000 | 10 | $ 836,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 10 | $ 1,358,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 10 | $ 1,156,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 10 | $ 1,229,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 9 | $ 1,608,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 8 | $ 987,000 |
| Maine Savings Federal Credit Union PO BOX 347 HAMPDEN, ME 04444 |
* | $ 331,241,000 | 8 | $ 1,497,000 |
| Northeast Bank 500 CANAL ST LEWISTON, ME 04240 |
* | $ 1,012,347,000 | 8 | $ 993,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 6 | $ 676,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 6 | $ 793,000 |
| Bar Harbor Bank & Trust 82 MAIN STREET BAR HARBOR, ME 04609 |
* | $ 1,754,525,000 | 5 | $ 496,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 5 | $ 515,000 |
| First National Bank P.O. BOX 940 DAMARISCOTTA, ME 04543 |
* | $ 1,678,542,000 | 5 | $ 441,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 5 | $ 950,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 4 | $ 913,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 368,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 626,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 412,000 |
| Machias Savings Bank 4 CENTER STREET MACHIAS, ME 04654 |
* | $ 1,269,811,000 | 4 | $ 1,418,000 |
| Androscoggin Bank 30 LISBON STREET LEWISTON, ME 04243 |
* | $ 901,857,000 | 4 | $ 325,000 |
| Norway Savings Bank 261 MAIN STREET, P.O. BOX 347 NORWAY, ME 04268 |
* | $ 1,092,604,000 | 3 | $ 136,000 |
| Ancorum Credit Union 765 WASHINGTON STREET BATH, ME 04530 |
* | $ 230,751,000 | 3 | $ 171,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 3 | $ 289,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 296,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 271,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 424,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 343,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 3 | $ 239,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 3 | $ 373,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 669,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 539,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 3 | $ 100,000 |
| Infinity Federal Credit Union 202 LARRABEE ROAD WESTBROOK, ME 04092 |
* | $ 327,589,000 | 2 | $ 138,000 |
| Salem Five Mortgage Company LLC 210 ESSEX STREET SALEM, MA 01970 |
* | $ -1,000 | 2 | $ 288,000 |
| Cport Credit Union PO BOX 777 PORTLAND, ME 04103 |
* | $ 187,451,000 | 2 | $ 183,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 2 | $ 147,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 2 | $ 389,000 |
| Penobscot County 205 MAIN ST OLD TOWN, ME 04468 |
* | $ 67,112,000 | 2 | $ 118,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 286,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 272,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 2 | $ 231,000 |
| Town and Country Federal Credi 557 MAIN STREET P.O. BOX 9420 SOUTH PORTLAND, ME 04116 |
* | $ 333,495,000 | 2 | $ 136,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 2 | $ 224,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ -1,000 | 2 | $ 160,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 292,000 |
| Commonwealth Mortgage, LLC 600 WEST CUMMINGS PARK SUITE 2500 WOBURN, MA 01801 |
* | $ -1,000 | 2 | $ 275,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 53,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 2 | $ 70,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 269,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 2 | $ 199,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 2 | $ 431,000 |
| Katahdin Trust Company 11 MAIN STREET / PO BOX 450 PATTEN, ME 04765 |
* | $ 753,621,000 | 2 | $ 303,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 2 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 197,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 1,186,155,000 | 1 | $ 95,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 61,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 60,000 |
| Nesc Federal Credit Union 248 PLEASANT STREET METHUEN, MA 01844 |
* | $ 81,131,000 | 1 | $ 130,000 |
| Scient Federal Credit Union 60 COLVER AVENUE GROTON, CT 06340 |
* | $ 232,758,000 | 1 | $ 100,000 |
| First Federal Savings and Loan Assocation of Bath PO BOX 488 BATH, ME 04530 |
* | $ 124,798,000 | 1 | $ 70,000 |
| Intercap Lending Inc 910 EAST 6600 SOUTH SALT LAKE CITY, UT 84121 |
* | $ -1,000 | 1 | $ 328,000 |
| Sofi Mortgage, LLC 6175 MAIN STREET, SUITE 490 FRISCO, TX 75034 |
* | $ 0 | 1 | $ 130,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 245,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 294,706,000 | 1 | $ 115,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 131,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 284,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 1 | $ 186,000 |
| Peopleschoice Credit Union 23 INDUSTRIAL PARK RD SACO, ME 04072 |
* | $ 180,882,000 | 1 | $ 100,000 |
| Village Mortgage Company 30 TOWER LANE AVON, CT 06001 |
* | $ -1,000 | 1 | $ 80,000 |
| Trademark FCU 44 EDISON DRIVE AUGUSTA, ME 04330 |
* | $ 84,237,000 | 1 | $ 50,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 115,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 131,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 3,034,303,000 | 1 | $ 100,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 170,000 |
| Priority Funding, LLC 292 MAIN STREET, SUITE G1 NORTHBORO, MA 01532 |
* | $ -1,000 | 1 | $ 18,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 83,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 199,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 76,000 |
| Downeast Credit Union 23 THIRD AVE BAILEYVILLE, ME 04694 |
* | $ 164,672,000 | 1 | $ 116,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 94,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,435,339,000 | 1 | $ 127,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 7,568,756,000 | 1 | $ 70,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 130,000 |
| Rtn Federal Credit Union 600 MAIN STREET WALTHAM, MA 02452 |
* | $ 867,680,000 | 1 | $ 175,000 |
| Avidia Bank 42 MAIN STREET HUDSON, MA 01749 |
* | $ 1,393,486,000 | 1 | $ 220,000 |
| Firstrust Savings Bank 1 WALNUT GROVE DRIVE HORSHAM, PA 19044 |
* | $ 3,131,868,000 | 1 | $ 76,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 58,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 165,000 |
| Sanford Institution for Savings 900 MAIN STREET SANFORD, ME 04073 |
* | $ 529,825,000 | 1 | $ 232,000 |
| York County Federal Credit Union 1516 MAIN STREET SANFORD, ME 04073 |
* | $ 262,568,000 | 1 | $ 20,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 561,134,000 | 1 | $ 80,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 67,000 |
| Ithink Financial Credit Union 1000 NW 17TH AVENUE DELRAY BEACH, FL 33445 |
* | $ 940,271,000 | 1 | $ 138,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 119,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 1 | $ 120,000 |
The tables below break down 2017 mortgage applications in Somerset County, ME by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Somerset County, ME 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 | 839 | $98,133,000 | $116,000 | $534,000 | $60,000 | $1,458,000 |
| Refinancing | 535 | $63,906,000 | $119,000 | $521,000 | $61,000 | $693,000 |
| Home Improvement | 193 | $6,350,000 | $32,000 | $276,000 | $59,000 | $237,000 |
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 | 1,245 | $128,140,000 | $102,000 | $534,000 | $64,000 | $723,000 |
| Not applicable | 157 | $19,536,000 | $124,000 | $521,000 | $6,000 | $146,000 |
| Not Provided | 125 | $16,118,000 | $128,000 | $500,000 | $85,000 | $1,458,000 |
| Hispanic | 15 | $1,697,000 | $113,000 | $239,000 | $111,000 | $296,000 |
| American Indian or Alaskan Native | 12 | $1,282,000 | $106,000 | $165,000 | $52,000 | $91,000 |
| Asian | 8 | $1,130,000 | $141,000 | $284,000 | $69,000 | $128,000 |
| Black or African American | 4 | $391,000 | $97,000 | $167,000 | $40,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $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) | 911 | $88,855,000 | $97,000 | $534,000 | $74,000 | $1,458,000 |
| FHA-insured (Federal Housing Administration) | 261 | $28,067,000 | $107,000 | $276,000 | $38,000 | $336,000 |
| VA-guaranteed (Veterans Administration) | 218 | $32,864,000 | $150,000 | $420,000 | $49,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 177 | $18,603,000 | $105,000 | $187,000 | $33,000 | $75,000 |
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 | 805 | $85,025,000 | $105,000 | $534,000 | $73,000 | $1,458,000 |
| Application Denied By Financial Institution | 328 | $31,402,000 | $95,000 | $420,000 | $52,000 | $295,000 |
| Loan Purchased By The Institution | 184 | $23,759,000 | $129,000 | $424,000 | $18,000 | $156,000 |
| Application Withdrawn By Applicant | 134 | $14,795,000 | $110,000 | $400,000 | $56,000 | $224,000 |
| File Closed For Incompleteness | 72 | $8,360,000 | $116,000 | $325,000 | $60,000 | $303,000 |
| Application Approved But Not Accepted | 44 | $5,048,000 | $114,000 | $284,000 | $62,000 | $336,000 |
| 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 | 50 | $3,380,000 | $67,000 | $217,000 | $50,000 | $213,000 |
| Debt-To-Income Ratio | 36 | $4,109,000 | $114,000 | $338,000 | $48,000 | $205,000 |
| Collateral | 35 | $4,142,000 | $118,000 | $328,000 | $66,000 | $161,000 |
| Credit Application Incomplete | 21 | $3,041,000 | $144,000 | $420,000 | $78,000 | $295,000 |
| Other | 13 | $1,185,000 | $91,000 | $230,000 | $65,000 | $232,000 |
| Unverifiable Information | 5 | $512,000 | $102,000 | $160,000 | $52,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $473,000 | $94,000 | $160,000 | $46,000 | $88,000 |
| Mortgage Insurance Denied | 1 | $63,000 | $63,000 | $63,000 | $36,000 | $36,000 |
| Employment History | 1 | $158,000 | $158,000 | $158,000 | $103,000 | $103,000 |
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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