St. John the Baptist Parish, LA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,191 mortgage applications in St. John the Baptist Parish, LA totaling $182.6 million, down 1% from 2024. The average application was for $153,000, and applicants reported an average income of $83,000. 40% of applications resulted in an originated loan and 27% were denied. The most active lender was United Wholesale Mortgage, with 79 applications, followed by Vanderbilt Mortgage and Finance, Inc and PennyMac Loan Services LLC.

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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 1,191
Total Mortgage Loan Application Amount $182,645,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $1,365,000
Average Applicant Income $83,000
Highest Applicant Income $1,860,000

Mortgage Company List for Lending in St. John the Baptist Parish, LA for 2025

* 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
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 79 $ 14,745,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 60 $ 5,070,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 59 $ 10,585,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 55 $ 11,405,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 48 $ 4,670,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 35 $ 6,885,000
First American Bank and Trust
PO BOX 550
VACHERIE, LA 70090
* $ n/a 35 $ 4,455,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 33 $ 3,525,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 27 $ 3,105,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 26 $ 5,080,000
Onpath Federal Credit Union
5508 CITRUS BLVD
METAIRIE, LA 70002
* $ n/a 26 $ 3,060,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 22 $ 5,060,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 22 $ 2,230,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 20 $ 3,210,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 20 $ 2,870,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 19 $ 2,395,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 19 $ 4,275,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 19 $ 2,555,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 17 $ 2,035,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 17 $ 2,735,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ n/a 17 $ 2,865,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 15 $ 2,995,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ n/a 15 $ 2,915,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 14 $ 2,390,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 14 $ 2,790,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 12 $ 2,600,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 12 $ 1,770,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 11 $ 1,855,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 460,000
Gulf Coast Bank and Trust
200 SAINT CHARLES AVENUE
NEW ORLEANS, LA 70130
* $ n/a 10 $ 2,150,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 1,740,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 10 $ 270,000
First National Bank USA
P O BOX 508, 13386 HWY 90
BOUTTE, LA 70039
* $ n/a 9 $ 1,595,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 9 $ 1,375,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 395,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 8 $ 510,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 8 $ 1,100,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 8 $ 1,580,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 1,380,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 7 $ 1,515,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 7 $ 925,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 7 $ 1,795,000
Bank of Louisiana
300 SAINT CHARLES AVENUE
NEW ORLEANS, LA 70130
* $ n/a 7 $ 865,000
United Community Bank
P.O. BOX 248, 4626 HWY 1
RACELAND, LA 70394
* $ n/a 7 $ 835,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 6 $ 1,010,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 235,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 5 $ 915,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 5 $ 655,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 675,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 5 $ 1,115,000
Hometrust Mortgage Company
5353 W ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ n/a 5 $ 805,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 815,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 4 $ 490,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 4 $ 640,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 750,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 4 $ 690,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 4 $ 220,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 4 $ 790,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 4 $ 660,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 690,000
Hope Federal Credit Union
4 OLD RIVER PLACE
JACKSON, MS 39202
* $ n/a 4 $ 450,000
La Capitol Federal Credit Union
P.O. BOX 3398
BATON ROUGE, LA 70802
* $ n/a 4 $ 140,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 490,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 4 $ 500,000
Efcu Financial Federal Credit Union
3861 SCENIC HWY
BATON ROUGE, LA 70816
* $ n/a 4 $ 440,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 4 $ 180,000
Standard Mortgage Corporation
701 POYDRAS STREET STE 300 PLAZA
NEW ORLEANS, LA 70139
* $ n/a 4 $ 710,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 4 $ 510,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 3 $ 455,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 365,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 245,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 3 $ 385,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 755,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 3 $ 365,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 3 $ 185,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 235,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 3 $ 605,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 475,000
Keesler Federal Credit Union
2602 PASS ROAD
BILOXI, MS 39531
* $ n/a 3 $ 65,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 260,000
Liberty Bank
6600 PLAZA DRIVE
NEW ORLEANS, LA 70127
* $ n/a 2 $ 380,000
Pelican State Credit Union
P.O. BOX 40088
BATON ROUGE, LA 70835
* $ n/a 2 $ 1,510,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 120,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 200,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 2 $ 380,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 220,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 390,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 180,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 2 $ 180,000
Red River Bank
1412 CENTRE COURT DRIVE
ALEXANDRIA, LA 71301
* $ n/a 2 $ 390,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 270,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 2 $ 390,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 350,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 2 $ 380,000
Home Bank National Association
PO BOX 81459, 503 KALISTE SALOOM RD.
LAFAYETTE, LA 70598
* $ n/a 2 $ 190,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 2 $ 310,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 2 $ 430,000
Metairie Bank and Trust Company
3344 METAIRIE ROAD
METAIRIE, LA 70001
* $ n/a 2 $ 270,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ n/a 2 $ 260,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 375,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 205,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 165,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ n/a 1 $ 25,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 125,000
Coca-Cola Federal Credit Union
ONE COCA-COLA PLAZA NW
ATLANTA, GA 30313
* $ n/a 1 $ 105,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 335,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 245,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 175,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 85,000
Cse Federal Credit Union
4321 NELSON RD
LAKE CHARLES, LA 70605
* $ n/a 1 $ 45,000
Evangeline Bank & Trust Company
P.O. BOX 346--497 W. MAIN STREET
VILLE PLATTE, LA 70586
* $ n/a 1 $ 85,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 225,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ n/a 1 $ 25,000
Wymar Federal Credit Union
37269 HIGHWAY 30
GEISMAR, LA 70734
* $ n/a 1 $ 205,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 85,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 65,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 155,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 205,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 285,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 125,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 195,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 235,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 475,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ n/a 1 $ 55,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 35,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 1 $ 115,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 145,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 215,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 165,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 225,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 205,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 25,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 125,000
Bonvenu Bank, NA
2711 E. TEXAS STREET
BOSSIER CITY, LA 71111
* $ n/a 1 $ 215,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 125,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 285,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 185,000
Home Mortgage Alliance Corp (Hmac)
4 HUTTON CENTER DR. SUITE 500
SANTA ANA, CA 92707
* $ n/a 1 $ 85,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 215,000
Neighbors Federal Credit Union
5423 S SHERWOOD FOREST BLVD
BATON ROUGE, LA 70810
* $ n/a 1 $ 45,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 85,000
Jd Bank
P O BOX 730
JENNINGS, LA 70546
* $ n/a 1 $ 745,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 255,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 155,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 155,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ n/a 1 $ 355,000

The tables below break down 2025 mortgage applications in St. John the Baptist Parish, LA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for St. John the Baptist Parish, LA in 2025

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 632 $106,510,000 $168,000 $1,245,000 $77,000 $741,000
Cash-out Refinancing 248 $40,100,000 $161,000 $1,365,000 $80,000 $428,000
Refinancing 138 $24,830,000 $179,000 $795,000 $107,000 $684,000
Other Purpose 98 $6,220,000 $63,000 $405,000 $85,000 $246,000
Home Improvement 60 $3,810,000 $63,000 $355,000 $124,000 $1,860,000
Not Applicable 15 $1,175,000 $78,000 $125,000 $27,000 $40,000

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
Black or African American 511 $75,825,000 $148,000 $795,000 $79,000 $1,860,000
White 280 $40,960,000 $146,000 $1,365,000 $91,000 $684,000
Not applicable 170 $30,420,000 $178,000 $1,245,000 $89,000 $142,000
Not Provided 114 $17,840,000 $156,000 $455,000 $89,000 $741,000
Hispanic 107 $16,445,000 $153,000 $345,000 $77,000 $190,000
Asian 6 $610,000 $101,000 $275,000 $68,000 $152,000
American Indian or Alaskan Native 3 $545,000 $181,000 $215,000 $102,000 $233,000
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) 686 $84,770,000 $123,000 $1,365,000 $88,000 $1,860,000
FHA-insured (Federal Housing Administration) 367 $69,255,000 $188,000 $465,000 $73,000 $243,000
VA-guaranteed (Veterans Administration) 80 $17,490,000 $218,000 $395,000 $86,000 $277,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 58 $11,130,000 $191,000 $315,000 $73,000 $106,000

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 474 $79,980,000 $168,000 $1,365,000 $90,000 $684,000
Application Denied By Financial Institution 323 $41,285,000 $127,000 $745,000 $75,000 $1,860,000
Application Withdrawn By Applicant 140 $22,950,000 $163,000 $475,000 $87,000 $741,000
Loan Purchased By The Institution 119 $21,825,000 $183,000 $795,000 $97,000 $172,000
File Closed For Incompleteness 86 $11,490,000 $133,000 $455,000 $71,000 $220,000
Application Approved But Not Accepted 46 $4,770,000 $103,000 $275,000 $80,000 $428,000
Preapproval Approved but not Accepted 3 $345,000 $115,000 $175,000 $89,000 $92,000
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
Not applicable 815 $134,085,000 $164,000 $1,365,000 $86,000 $741,000
Debt-To-Income Ratio 157 $21,635,000 $137,000 $1,245,000 $80,000 $1,860,000
Credit History 109 $11,815,000 $108,000 $275,000 $64,000 $217,000
Collateral 38 $4,870,000 $128,000 $405,000 $102,000 $269,000
Credit Application Incomplete 33 $4,145,000 $125,000 $265,000 $79,000 $277,000
Other 17 $2,195,000 $129,000 $385,000 $74,000 $202,000
Unverifiable Information 14 $2,300,000 $164,000 $475,000 $79,000 $314,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,160,000 $193,000 $285,000 $106,000 $243,000
Employment History 2 $440,000 $220,000 $265,000 $82,000 $113,000
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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