St. Francois County, MO Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 2,896 mortgage applications in St. Francois County, MO totaling $309.5 million, down 18% from 2009. The average application was for $106,000, and applicants reported an average income of $57,000. 47% of applications resulted in an originated loan and 22% were denied. The most active lender was First State Community Bank, with 362 applications, followed by Bank of America, N.A. and Ozarks Federal Savings and Loa.

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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 2,896
Total Mortgage Loan Application Amount $309,502,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $1,776,000
Average Applicant Income $57,000
Highest Applicant Income $2,795,000

Mortgage Company List for Lending in St. Francois County, MO for 2010

* 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
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 1,019,377,000 362 $ 34,417,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 222 $ 26,743,000
Ozarks Federal Savings and Loa
2 EAST COLUMBIA STREET
FARMINGTON, MO 63640
* $ 225,432,000 221 $ 18,341,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 217 $ 22,504,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 179 $ 19,488,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,122,657,000 124 $ 7,642,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 119 $ 13,386,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 10,549,701,000 117 $ 12,001,000
Commerce Bank, N.A.
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 17,958,713,000 117 $ 5,715,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 104 $ 10,578,000
Belgrade State Bank
PO BOX 1
BELGRADE, MO 63622
* $ 182,443,000 85 $ 7,813,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 63 $ 9,028,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 50 $ 6,112,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 48 $ 7,188,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 55,302,902,000 39 $ 4,808,000
Bloomsdale Bank
55 MILL HILL ROAD, P. O. BOX 100
BLOOMSDALE, MO 63627
* $ 179,146,000 37 $ 6,424,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 36 $ 4,116,000
Unico Bank
625 VETERANS DR
MINERAL POINT, MO 63660
* $ 200,756,000 33 $ 4,530,000
Pulaski Bank
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,432,510,000 31 $ 3,572,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 27 $ 3,428,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 27 $ 3,838,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 27 $ 1,235,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 22 $ 897,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 1,987,814,000 21 $ 3,956,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 18 $ 1,626,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 18 $ 2,394,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,483,100,000 18 $ 2,364,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 17 $ 2,272,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 159,675,538,000 17 $ 2,348,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 1,140,194,000 16 $ 1,655,000
Eagle Bank and Trust Company O
10596 HIGHWAY 21, P.O. BOX 680
HILLSBORO, MO 63050
* $ 756,582,000 16 $ 2,059,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 15 $ 1,581,000
Affiliated Mortgage Company
1301 HUDSON LANE
MONROE, LA 71201
* $ 212,423,000 14 $ 1,610,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 13 $ 2,046,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 164,340,844,000 12 $ 1,621,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 12 $ 641,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 11 $ 1,994,000
Heartland Bank
212 SOUTH CENTRAL
CLAYTON, MO 63105
* $ 941,192,000 11 $ 1,613,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,834,445,000 11 $ 1,155,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 37,922,355,000 11 $ 1,393,000
Boulevard Bank
111 E MAIN ST
NEOSHO, MO 64850
* $ 147,872,000 10 $ 1,293,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 1,536,891,000 10 $ 1,202,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 10 $ 1,209,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 10 $ 1,107,000
Wintrust Mortgage Corporation
660 MIDWEST RD SUITE 100
OAK BROOK TERRACE, IL 60181
* $ 300,000,000 10 $ 1,506,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 112,736,105,000 9 $ 1,081,000
Firstrust Mortgage, Inc
6710 W. 121ST STREET
OVERLAND PARK, KS 66209
* $ 6,198,000 9 $ 674,000
Gershman Investment Corp.
7 N. BEMISTON
ST. LOUIS, MO 63105
* $ 31,000,000 9 $ 1,012,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 1,159,367,000 9 $ 1,533,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 8 $ 1,128,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 8 $ 961,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 8 $ 1,259,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 17,832,340,000 8 $ 822,000
Bank Star
1999 W OSAGE
PACIFIC, MO 63069
* $ 74,039,000 7 $ 955,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 7 $ 983,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 7 $ 1,068,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 6 $ 667,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 913,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 260,309,849,000 6 $ 588,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 138,006,763,000 4 $ 383,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 105,645,000 4 $ 367,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ 10,000,000 4 $ 336,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 332,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 3 $ 607,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 3 $ 570,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 463,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 3 $ 359,000
Paramount Mortgage Company
347 N. LINDBERGH BLVD.
ST. LOUIS, MO 63141
* $ 10,000,000 3 $ 313,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 186,823,000 3 $ 413,000
Fortunebank
3494 JEFFCO BLVD
ARNOLD, MO 63010
* $ 138,446,000 3 $ 391,000
Sun Security Bank
400 EAST WALNUT
ELLINGTON, MO 63638
* $ 394,793,000 3 $ 219,000
Enterprise Bank & Trust
150 N. MERAMEC AVE.
CLAYTON, MO 63105
* $ 2,340,223,000 3 $ 264,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 14,106,965,000 3 $ 609,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 2 $ 188,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 8,059,724,000 2 $ 498,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 197,047,000 2 $ 296,000
Guaranty Bank, FSB
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,319,978,000 2 $ 367,000
Onewest Bank, FSB
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 23,286,247,000 2 $ 1,802,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 12,000,000 2 $ 367,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 1,116,511,000 2 $ 114,000
Fifth Third Bank
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 112,736,105,000 2 $ 169,000
M&I Marshall & Ilsley Bank
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 50,253,578,000 2 $ 114,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 39,610,194,000 2 $ 208,000
Concord Bank
12040 TESSON FERRY ROAD
SAINT LOUIS, MO 63128
* $ 148,231,000 2 $ 264,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,011,062,000 2 $ 106,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 475,815,000 2 $ 63,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 282,313,000 2 $ 184,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 429,000
West Community Credit Union
4161 HIGHWAY K
O'FALLON, MO 63368
* $ 118,552,000 2 $ 248,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,225,768,000 2 $ 235,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 314,000
Kirkston Mortgage Lending
501 CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ 10,000,000 2 $ 294,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 149,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 2 $ 239,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 97,000
Allied Home Mtg Capital Corp
6110 PINEMONT DR., STE. 215
HOUSTON, TX 77092
* $ 10,000,000 1 $ 117,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 175,000
First Integrity Mortgage Services, Inc.
77 WESTPORT PLAZA SUITE 200
ST. LOUIS, MO 63146
* $ 10,000,000 1 $ 205,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 60,000
South Central Illinois Mtg LLC
200 E. HOMER ADAMS PARKWAY
ALTON, IL 62002
* $ 10,000,000 1 $ 100,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 160,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 203,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 87,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 110,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 61,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 177,000
First Missouri Credit Union
1690 LEMAY FERRY ROAD
ST. LOUIS, MO 63125
* $ 47,204,000 1 $ 70,000
Century Credit Union
1540 LEMAY FERRY ROAD
SAINT LOUIS, MO 63125
* $ 66,941,000 1 $ 117,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ 600,433,000 1 $ 151,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 170,688,000 1 $ 49,000
Vantage Credit Union
19 RESEARCH PARK CT
ST CHARLES, MO 63304
* $ 628,292,000 1 $ 75,000
F & M Bank and Trust Co
505 BROADWAY
HANNIBAL, MO 63401
* $ 183,198,000 1 $ 70,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 78,000
Midwest Mortgage Capital, LLC
12400 OLIVE BLVD
SAINT LOUIS, MO 63141
* $ 2,000,000 1 $ 130,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 1 $ 161,000
1st Advantage Mortgage
701 E 22ND ST, STE 125
LOMBARD, IL 60148
* $ 10,000,000 1 $ 76,000
Gateway Mortgage Group LLC
6910 E 14TH ST
TULSA, OK 74112
* $ 10,000,000 1 $ 78,000
Ark-La-Tex Financial Services
5160 TENNYSON PKWY, SUITE 2000W
PLANO, TX 75024
* $ 10,000,000 1 $ 64,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 71,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 140,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 59,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 130,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ 1,000,000,000 1 $ 75,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,415,903,000 1 $ 296,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 2,884,877,000 1 $ 98,000
Lead Bank
200 N 3RD ST
GARDEN CITY, MO 64747
* $ 94,375,000 1 $ 193,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ 941,558,000 1 $ 117,000
Buena Vista National Bank
1309 SWANWICK STREET
CHESTER, IL 62233
* $ 135,417,000 1 $ 183,000
Citizens National Bank of Greater St. Louis
7305 MANCHESTER AVE.
MAPLEWOOD, MO 63143
* $ 479,366,000 1 $ 189,000
United Bank of Union
PO BOX 500
UNION, MO 63084
* $ 274,024,000 1 $ 62,000
Mercantile Bank
200 NORTH 33RD ST
QUINCY, IL 62305
* $ 792,902,000 1 $ 217,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 40,150,052,000 1 $ 155,000
Jefferson Bank of Missouri
700 SOUTHWEST BLVD
JEFFERSON CITY, MO 65102
* $ 489,610,000 1 $ 45,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 203,180,000 1 $ 277,000
Rockwood Bank
219 THRESHER
EUREKA, MO 63025
* $ 316,071,000 1 $ 189,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 1,139,962,000 1 $ 124,000
Citizens National Bank
110 WEST COURT ST
PARIS, IL 61944
* $ 240,050,000 1 $ 50,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ 321,884,000 1 $ 27,000
Dover Mortgage Company
PO BOX 1626
ASHEBORO, NC 27204
* $ 1,817,511,000 1 $ 149,000
Morgan Stanley Credit Corp
75 N. FAIRWAY DR.
VERNON HILLS, IL 60061
* $ 36,000,000 1 $ 97,000
Capwest Mortgage Corporation
14231 METCALF AVE. STE. 200
OVERLAND PARK, KS 66223
* $ 629,176,000 1 $ 60,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 90,293,933,000 1 $ 137,000
Admirals Bank Former Domestic
815 RESERVOIR AVE
CRANSTON, RI 02910
* $ 234,124,000 1 $ 20,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,817,999,000 1 $ 54,000
Nationwide Bank
ONE NATIONWIDE PLAZA, 2-14-05
COLUMBUS, OH 43215
* $ 3,206,002,000 1 $ 176,000
Thrivent Financial Bank
122 EAST COLLEGE AVE., SUITE 1E
APPLETON, WI 54911
* $ 548,648,000 1 $ 129,000
UMB Bank, NA
1008 OAK ST.
KANSAS CITY, MO 64106
* $ 10,219,530,000 1 $ 60,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 1 $ 75,000
Hometown Bank, National Association
PO BOX 797
CARTHAGE, MO 64836
* $ 236,189,000 1 $ 86,000

The tables below break down 2010 mortgage applications in St. Francois County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for St. Francois County, MO in 2010

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 1,703 $202,380,000 $118,000 $1,776,000 $59,000 $1,344,000
Home Purchase 994 $98,914,000 $99,000 $1,772,000 $54,000 $2,795,000
Home Improvement 199 $8,208,000 $41,000 $270,000 $58,000 $988,000

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 2,474 $257,064,000 $103,000 $670,000 $60,000 $1,344,000
Not Provided 205 $22,075,000 $107,000 $417,000 $68,000 $2,795,000
Not applicable 171 $24,974,000 $146,000 $1,776,000 $2,000 $210,000
Hispanic 17 $1,672,000 $98,000 $197,000 $65,000 $173,000
Black or African American 13 $1,340,000 $103,000 $249,000 $60,000 $120,000
American Indian or Alaskan Native 6 $694,000 $115,000 $218,000 $32,000 $61,000
Asian 5 $1,049,000 $209,000 $300,000 $103,000 $302,000
Native Hawaiian or Other Pacific Islander 5 $634,000 $126,000 $194,000 $156,000 $701,000

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) 1,994 $208,826,000 $104,000 $1,776,000 $63,000 $2,795,000
FHA-insured (Federal Housing Administration) 611 $70,662,000 $115,000 $350,000 $47,000 $279,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 225 $21,464,000 $95,000 $265,000 $37,000 $89,000
VA-guaranteed (Veterans Administration) 66 $8,550,000 $129,000 $276,000 $43,000 $120,000

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 1,349 $140,143,000 $103,000 $1,772,000 $60,000 $571,000
Application Denied By Financial Institution 643 $58,345,000 $90,000 $500,000 $56,000 $2,795,000
Loan Purchased By The Institution 450 $59,950,000 $133,000 $1,776,000 $50,000 $701,000
Application Withdrawn By Applicant 262 $30,905,000 $117,000 $500,000 $62,000 $1,344,000
Application Approved But Not Accepted 130 $13,112,000 $100,000 $320,000 $59,000 $484,000
File Closed For Incompleteness 62 $7,047,000 $113,000 $280,000 $47,000 $107,000
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 163 $10,670,000 $65,000 $286,000 $51,000 $988,000
Collateral 119 $12,767,000 $107,000 $299,000 $68,000 $714,000
Debt-To-Income Ratio 85 $8,008,000 $94,000 $277,000 $39,000 $137,000
Other 46 $4,471,000 $97,000 $270,000 $60,000 $137,000
Credit Application Incomplete 26 $2,520,000 $96,000 $417,000 $154,000 $2,795,000
Unverifiable Information 10 $876,000 $87,000 $160,000 $48,000 $80,000
Employment History 7 $921,000 $131,000 $196,000 $38,000 $70,000
Insufficient Cash (Downpayment, Closing Cost) 6 $916,000 $152,000 $319,000 $81,000 $182,000
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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