St. Francois County, MO Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 2,486 mortgage applications in St. Francois County, MO totaling $270.6 million, down 14% from 2010. The average application was for $108,000, and applicants reported an average income of $59,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was First State Community Bank, with 304 applications, followed by US Bank, N.A. and Ozarks Federal Savings and Loan.

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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 2,486
Total Mortgage Loan Application Amount $270,611,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $6,227,000
Average Applicant Income $59,000
Highest Applicant Income $5,994,000

Mortgage Company List for Lending in St. Francois County, MO for 2011

* 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
* $ 1,225,389,000 304 $ 30,653,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 202 $ 22,189,000
Ozarks Federal Savings and Loan
2 E. COLUMBIA ST.
FARMINGTON, MO 63640
* $ 230,217,000 201 $ 18,556,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 149 $ 15,542,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 137 $ 15,988,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 133 $ 9,788,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 118 $ 13,657,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 117 $ 12,080,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 19,413,461,000 104 $ 4,961,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 7,352,931,000 87 $ 8,867,000
Belgrade State Bank
PO BOX 1
BELGRADE, MO 63622
* $ 190,178,000 69 $ 6,907,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ 37,000,000 68 $ 7,214,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 39 $ 2,562,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 38 $ 5,155,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 38 $ 6,067,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 35 $ 4,677,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 29 $ 3,756,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 28 $ 3,251,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 25 $ 3,421,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 22 $ 2,853,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 22 $ 3,055,000
Pulaski Bank, NA
12300 OLIVE BLVD
ST LOUIS, MO 63141
* $ 1,466,563,000 21 $ 3,156,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 20 $ 2,824,000
Bloomsdale Bank
55 MILL HILL ROAD, P. O. BOX 100
BLOOMSDALE, MO 63627
* $ 186,004,000 19 $ 2,496,000
Unico Bank
625 VETERANS DR
MINERAL POINT, MO 63660
* $ 225,166,000 18 $ 2,746,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 17 $ 1,667,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 17 $ 2,012,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 16 $ 660,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 14 $ 1,979,000
Bank Star
1999 W OSAGE
PACIFIC, MO 63069
* $ 68,165,000 14 $ 1,974,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,285,632,000 12 $ 2,074,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 11 $ 1,015,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,290,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 10 $ 1,092,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ 12,988,000 9 $ 925,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 9 $ 1,283,000
Eagle Bank and Trust Company O
10596 HIGHWAY 21, P.O. BOX 680
HILLSBORO, MO 63050
* $ 779,266,000 9 $ 1,176,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,188,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 7 $ 1,155,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 7 $ 920,000
Boulevard Bank
111 E.MAIN STREET
NEOSHO, MO 64850
* $ 146,162,000 7 $ 1,226,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 6 $ 846,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ 643,000,000 6 $ 703,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 6 $ 447,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 6 $ 711,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 6 $ 821,000
Gershman Investment Corp.
7 N. BEMISTON
ST. LOUIS, MO 63105
* $ 31,000,000 5 $ 782,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 426,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 5 $ 730,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 3,409,826,000 5 $ 534,000
Alliance Bank
217 N KINGSHIGHWAY, PO BOX 1458
CAPE GIRARDEAU, MO 63701
* $ 129,644,000 5 $ 492,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 5 $ 606,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 4 $ 361,000
First Community Credit Union
17151 CHESTERFIELD AIRPORT RD
CHESTERFIELD, MO 63005
* $ 1,672,781,000 4 $ 369,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 4 $ 288,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 4 $ 438,000
Vinson Mortgage Group
12801 FLUSHING MEADOWS DR SUITE 100
SAINT LOUIS, MO 63131
* $ 10,000,000 4 $ 489,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 4 $ 514,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 4 $ 341,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 3 $ 383,000
First National Bank of Stlouis
7707 FORSYTH BLVD
CLAYTON, MO 63105
* $ 1,361,840,000 3 $ 331,000
Paramount Bond & Mortgage Co., Inc.
622 EMERSON RD SUITE 325
SAINT LOUIS, MO 63141
* $ 29,655,000 3 $ 296,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 520,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 3 $ 479,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 3 $ 160,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 3 $ 202,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 3 $ 111,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 3 $ 442,000
Vantage Credit Union
19 RESEARCH PARK CT
ST CHARLES, MO 63304
* $ 643,190,000 3 $ 88,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 1,276,258,000 3 $ 436,000
Southern Missouri Bank of Marshfield
PO BOX M 1292 BANNING ST
MARSHFIELD, MO 65706
* $ 104,532,000 3 $ 433,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 3 $ 270,000
Heartland Bank
212 SOUTH CENTRAL
ST. LOUIS, MO 63105
* $ 889,445,000 3 $ 379,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 3 $ 164,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 3 $ 272,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,181,819,000 2 $ 224,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 2 $ 284,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 2 $ 74,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 1,632,607,000 2 $ 328,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 205,935,000 2 $ 437,000
Bank of Washington
P.O. BOX 377
WASHINGTON, MO 63090
* $ 798,141,000 2 $ 117,000
United Bank of Union
PO BOX 500
UNION, MO 63084
* $ 269,548,000 2 $ 131,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 255,000
Neighbors Credit Union
6300 S LINDBERGH BLVD
SAINT LOUIS, MO 63123
* $ 259,615,000 2 $ 212,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 433,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 2 $ 104,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 2 $ 299,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 10,684,654,000 2 $ 4,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 369,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 116,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 430,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 227,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 130,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 77,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 127,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ 10,000,000 1 $ 42,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 212,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 76,000
First Merchants Bank, NA
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 4,147,658,000 1 $ 81,000
Mortgage Resources Inc.
425 SOUTH WOODS MILL ROAD, SUITE 160
CHESTERFIELD, MO 63017
* $ 10,000,000 1 $ 115,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 36,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 182,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 164,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 96,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 2,008,776,000 1 $ 90,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 200,000
Financial Freedom Acquist. LLC
1 BANTING
IRVINE, CA 92618
* $ 36,000,000,000 1 $ 220,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 37,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 76,586,967,000 1 $ 95,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 1 $ 47,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 129,000
The Mortgage Company
7343 S ALTON WAY STE 150
CENTENNIAL, CO 80112
* $ 5,768,000 1 $ 50,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 71,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 64,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 11,750,980,000 1 $ 120,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 189,478,000 1 $ 11,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ 582,380,000 1 $ 175,000
Century Credit Union
1540 LEMAY FERRY ROAD
SAINT LOUIS, MO 63125
* $ 69,643,000 1 $ 48,000
Electro Savings Credit Union
1805 CRAIGSHIRE ROAD
ST. LOUIS, MO 63146
* $ 143,887,000 1 $ 50,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 1,778,147,000 1 $ 104,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 128,000
First Midwest Bank of Dexter
819 WEST BUSINESS HIGHWAY 60
DEXTER, MO 63841
* $ 240,508,000 1 $ 6,227,000
Royal Banks of Missouri
8021 OLIVE BLVD.
ST. LOUIS, MO 63130
* $ 459,936,000 1 $ 140,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ 10,000,000 1 $ 280,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 106,362,000 1 $ 66,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 1 $ 71,000
The Bank of Edwardsville
330 W VANDALIA
EDWARDSVILLE, IL 62025
* $ 1,498,079,000 1 $ 168,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ 266,328,000 1 $ 118,000
Mercantile Bank
200 NORTH 33RD ST
QUINCY, IL 62305
* $ 679,697,000 1 $ 139,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 1 $ 90,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 1,091,514,000 1 $ 16,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 121,000
Southern Commercial Bank
5515 SOUTH GRAND BLVD
ST. LOUIS, MO 63111
* $ 514,154,000 1 $ 156,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 203,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 182,000
F & M Bank and Trust Company
PO BOX 938
HANNIBAL, MO 63401
* $ 175,889,000 1 $ 170,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 3,942,789,000 1 $ 140,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 180,751,000 1 $ 100,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 75,000
Affiliated Financial Group, Ll
5690 DTC BLVD
GREENWOOD VILLIAGE, CO 80111
* $ 196,687,000 1 $ 133,000

The tables below break down 2011 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 2011

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 1,425 $173,020,000 $121,000 $1,232,000 $59,000 $700,000
Home Purchase 890 $88,678,000 $99,000 $6,227,000 $59,000 $5,994,000
Home Improvement 171 $8,913,000 $52,000 $345,000 $55,000 $251,000

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 2,022 $210,289,000 $104,000 $700,000 $63,000 $5,994,000
Not Provided 224 $24,290,000 $108,000 $325,000 $62,000 $502,000
Not applicable 212 $33,541,000 $158,000 $6,227,000 $16,000 $200,000
American Indian or Alaskan Native 8 $880,000 $110,000 $198,000 $59,000 $102,000
Hispanic 8 $792,000 $99,000 $190,000 $41,000 $80,000
Asian 5 $394,000 $78,000 $197,000 $50,000 $81,000
Black or African American 4 $222,000 $55,000 $135,000 $25,000 $41,000
Native Hawaiian or Other Pacific Islander 3 $203,000 $67,000 $159,000 $44,000 $79,000

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) 1,675 $181,589,000 $108,000 $6,227,000 $68,000 $5,994,000
FHA-insured (Federal Housing Administration) 502 $56,402,000 $112,000 $277,000 $44,000 $215,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 242 $22,922,000 $94,000 $232,000 $32,000 $82,000
VA-guaranteed (Veterans Administration) 67 $9,698,000 $144,000 $283,000 $42,000 $358,000

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 1,162 $128,713,000 $110,000 $6,227,000 $66,000 $5,994,000
Application Denied By Financial Institution 516 $48,862,000 $94,000 $658,000 $56,000 $1,150,000
Loan Purchased By The Institution 397 $47,819,000 $120,000 $350,000 $40,000 $502,000
Application Withdrawn By Applicant 232 $25,424,000 $109,000 $417,000 $56,000 $404,000
Application Approved But Not Accepted 108 $11,078,000 $102,000 $388,000 $65,000 $548,000
File Closed For Incompleteness 71 $8,715,000 $122,000 $325,000 $62,000 $326,000
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
Collateral 110 $13,876,000 $126,000 $658,000 $75,000 $321,000
Credit History 109 $7,953,000 $72,000 $266,000 $54,000 $571,000
Debt-To-Income Ratio 44 $4,786,000 $108,000 $280,000 $38,000 $127,000
Other 27 $2,449,000 $90,000 $239,000 $93,000 $1,150,000
Credit Application Incomplete 12 $1,000,000 $83,000 $179,000 $49,000 $120,000
Employment History 9 $1,044,000 $116,000 $240,000 $45,000 $89,000
Unverifiable Information 6 $716,000 $119,000 $220,000 $37,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 3 $478,000 $159,000 $192,000 $46,000 $74,000
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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