St. Joseph, MO-KS Metro Area Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 4,513 mortgage applications in St. Joseph, MO-KS metro area totaling $698.0 million, down 33% from 2021. The average application was for $154,656, and applicants reported an average income of $83,836. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was US Bank, N.A., with 323 applications, followed by Fairway Independent Mort Corp and Primelending.

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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 4,513
Total Mortgage Loan Application Amount $697,965,000
Average Mortgage Loan Application Amount $154,656
Highest Mortgage Loan Application Amount $7,845,000
Average Applicant Income $83,836
Highest Applicant Income $1,803,000

Mortgage Company List for Lending in St. Joseph, MO-KS for 2022

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 323 $ 42,385,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 305 $ 48,215,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 196 $ 29,960,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 196 $ 20,720,000
The Nodaway Valley Bank
P. O. BOX 7315, 402 N. BELT HWY
MARYVILLE, MO 64468
* $ 1,349,185,000 145 $ 16,915,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ 669,775,000 126 $ 19,880,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ 308,971,000 113 $ 21,935,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 110 $ 20,530,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 97 $ 16,825,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 7,187,889,000 85 $ 16,405,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 83 $ 12,205,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 75 $ 12,265,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 73 $ 14,815,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 262,541,000 71 $ 9,945,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 68 $ 10,950,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 63 $ 9,525,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 58 $ 9,390,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 42,392,285,000 56 $ 4,650,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 56 $ 7,690,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 54 $ 8,650,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,380,483,000 50 $ 6,590,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 48 $ 7,940,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 45 $ 3,765,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 41 $ 7,085,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ 4,437,463,000 40 $ 6,070,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 37 $ 5,655,000
Exchange Bank & Trust
PO BOX 189
ATCHISON, KS 66002
* $ 578,383,000 35 $ 4,905,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 34 $ 5,760,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 34 $ 5,360,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 34 $ 6,830,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 30 $ 4,550,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 30 $ 5,410,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 29 $ 4,165,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 29 $ 4,225,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 29 $ 3,785,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 28 $ 4,360,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ 907,625,000 28 $ 3,750,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 28 $ 4,000,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 26 $ 3,760,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 25 $ 2,195,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 25 $ 4,775,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 25 $ 3,685,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 25 $ 3,895,000
Connections Bank
PO BOX 380
PLATTE CITY, MO 64079
* $ 337,033,000 24 $ 3,390,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 23 $ 2,625,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 23 $ 4,755,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 22 $ 3,650,000
First Option Bank
702 BAPTISTE DR.
PAOLA, KS 66071
* $ 608,633,000 22 $ 4,280,000
Mutual Savings Association
100 S 4TH STREET
LEAVENWORTH, KS 66048
* $ 289,357,000 20 $ 4,480,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 5,141,072,000 20 $ 2,090,000
Union State Bank of Everest
PO BOX 105
EVEREST, KS 66424
* $ 394,060,000 19 $ 2,965,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 19 $ 3,245,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 19 $ 2,445,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 19 $ 1,375,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 19 $ 1,675,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 19 $ 3,335,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 18 $ 3,820,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 18 $ 3,720,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 17 $ 2,155,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 17 $ 2,725,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 16 $ 1,710,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 16 $ 1,970,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 15 $ 2,685,000
Arvest Bank

TULSA, OK 74103
* $ 26,774,219,000 14 $ 3,500,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 14 $ 3,230,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 14 $ 3,960,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 13 $ 1,345,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 12 $ 1,670,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 12 $ 460,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 12 $ 2,030,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 12 $ 1,510,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 11 $ 1,455,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 11 $ 2,685,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 11 $ 1,735,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 10 $ 1,980,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 10 $ 1,740,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 10 $ 1,410,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 9 $ 1,005,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 465,517,000 9 $ 765,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 9 $ 625,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 9 $ 1,245,000
Exchange Bank & Trust
PO BOX 189
ATCHISON, KS 66002
* $ 578,383,000 9 $ 905,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 9 $ 1,575,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 9 $ 565,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 9 $ 1,605,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 8 $ 1,400,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 8 $ 1,460,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 8 $ 2,020,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 8 $ 750,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 8 $ 740,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 8 $ 420,000
Mazuma Credit Union
7260 W 135TH STREET
OVERLAND PARK, KS 66223
* $ 895,749,000 8 $ 1,160,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 1,050,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 7 $ 815,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 7 $ 1,305,000
Union State Bank of Everest
PO BOX 105
EVEREST, KS 66424
* $ 394,060,000 7 $ 1,105,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 7 $ 1,175,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 7 $ 1,215,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 7 $ 2,055,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 7 $ 1,145,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 6 $ 890,000
Gnbank, N.A.
100 E FOREST (PO BOX 67)
GIRARD, KS 66743
* $ 959,277,000 6 $ 660,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 6 $ 1,190,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 6 $ 1,020,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 6 $ 1,020,000
M Squared Financial LLC
7501 MISSION RD STE 200
PRAIRIE VILLAGE, KS 66208
* $ -1,000 5 $ 1,145,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 5 $ 895,000
United Consumers Credit Union
1111 E 23RD ST S
INDEPENDENCE, MO 64055
* $ 185,511,000 5 $ 1,045,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ 2,305,640,000 5 $ 335,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 755,000
First Option Bank
702 BAPTISTE DR.
PAOLA, KS 66071
* $ 608,633,000 5 $ 345,000
The Nodaway Valley Bank
P. O. BOX 7315, 402 N. BELT HWY
MARYVILLE, MO 64468
* $ 1,349,185,000 5 $ 875,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 5 $ 955,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 5 $ 1,345,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 5 $ 715,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 4 $ 1,200,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 4 $ 1,090,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 4 $ 640,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 4 $ 310,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 4 $ 580,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 4 $ 470,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 760,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 4 $ 830,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 4 $ 470,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 4 $ 790,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 730,000
Hnb National Bank
PO BOX 1107; 100 NORTH MAIN STREET
HANNIBAL, MO 63401
* $ 669,775,000 3 $ 405,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 425,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 1,218,779,000 3 $ 3,175,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 365,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 3 $ 285,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 3 $ 565,000
First Federal Bank of Kansas City

LENEXA, KS 66211
* $ 823,491,000 3 $ 1,615,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ -1,000 3 $ 255,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 525,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 445,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 50,093,398,000 3 $ 895,000
Capitol Federal Savings Bank
700 S KANSAS AVE
TOPEKA, KS 66603
* $ 9,624,571,000 3 $ 465,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 3 $ 845,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 3 $ 335,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 3 $ 825,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 30,156,698,000 3 $ 105,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 3 $ 855,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 295,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 3 $ 345,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 3 $ 395,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 3 $ 555,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 655,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 3 $ 385,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 405,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 415,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 615,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 3 $ 595,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 2 $ 550,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 410,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 160,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 26,812,859,000 2 $ 510,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 2 $ 420,000
United Community Bank
104 N MACOUPIN
CHATHAM, IL 62629
* $ 3,479,391,000 2 $ 350,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 2 $ 240,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ 271,366,000 2 $ 450,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 320,000
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ 200,773,000 2 $ 180,000
Heartland Credit Union
900 EAST 23RD AVENUE
HUTCHINSON, KS 67502
* $ 477,604,000 2 $ 70,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 350,000
First Western Federal Savings Bank
P.O. BOX 1435
RAPID CITY, SD 57701
* $ 63,411,000 2 $ 110,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 2 $ 380,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 2 $ 190,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 5,455,015,000 2 $ 280,000
Country Club Bank
ONE WARD PARKWAY
KANSAS CITY, MO 64112
* $ 2,467,057,000 2 $ 530,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 2 $ 180,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 350,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 2 $ 550,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 2 $ 370,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 2 $ 140,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 330,000
Community National Bank
210 MAIN ST
SENECA, KS 66538
* $ 629,974,000 2 $ 80,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 380,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 2 $ 560,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 460,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 2 $ 210,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 2 $ 180,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 2 $ 270,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 260,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 290,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 2 $ 390,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 2 $ 240,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 80,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,920,266,000 2 $ 580,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 450,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 2 $ 580,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 2 $ 300,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 2 $ 310,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 2 $ 420,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 2 $ 220,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 210,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 95,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 95,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 1 $ 85,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 105,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 185,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 9,203,588,000 1 $ 35,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 1 $ 115,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 45,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 1 $ 145,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 225,000
Intrust Bank, NA
105 N MAIN ST
WICHITA, KS 67202
* $ 8,012,849,000 1 $ 85,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 185,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 1 $ 465,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 115,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 7,846,662,000 1 $ 155,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 85,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 95,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 65,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 1 $ 85,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ 530,797,000 1 $ 275,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 125,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,823,981,000 1 $ 75,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 1 $ 295,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,759,374,000 1 $ 55,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 1 $ 55,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 290,729,000 1 $ 205,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 1 $ 265,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 1 $ 35,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 1,855,749,000 1 $ 75,000
Verimore Bank
PO BOX 190
BROOKFIELD, MO 64628
* $ 369,548,000 1 $ 115,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 85,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 155,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 25,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 255,000
Azura Credit Union
610 SW 10TH AVENUE
TOPEKA, KS 66612
* $ 682,703,000 1 $ 145,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 5,141,072,000 1 $ 45,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 42,392,285,000 1 $ 285,000
Farmers State Bank
124 E 3RD ST.
CAMERON, MO 64429
* $ 308,971,000 1 $ 185,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 1 $ 605,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 115,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 145,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 45,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 65,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 325,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 26,530,430,000 1 $ 65,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,423,533,000 1 $ 285,000
Mid America Bank
802 AMES STREET
BALDWIN CITY, KS 66006
* $ 306,026,000 1 $ 155,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 305,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 135,000
Community National Bank
210 MAIN ST
SENECA, KS 66538
* $ 629,974,000 1 $ 55,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 75,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ -1,000 1 $ 135,000
R-G Fderal Credit Union
421 REMINGTON PLAZA CT
RAYMORE, MO 64083
* $ 113,512,000 1 $ 75,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 1 $ 155,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 348,453,000 1 $ 105,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 45,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ -1,000 1 $ 325,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 195,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 95,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 205,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 185,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 355,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ -1,000 1 $ 165,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 115,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 1 $ 105,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 13,062,060,000 1 $ 205,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 315,000
Access Bank
8712 WEST DODGE ROAD
OMAHA, NE 68114
* $ 914,858,000 1 $ 2,235,000
Firstbank of Nebraska
201 E 5TH ST
WAHOO, NE 68066
* $ 356,428,000 1 $ 85,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 175,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 595,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 125,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 1,325,979,000 1 $ 195,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 1 $ 205,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 205,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 135,000
Guaranty Bank

ANKENY, IA 50023
* $ 882,885,000 1 $ 4,005,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 195,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 95,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 175,000
Mainstreet Federal Credit Union
13001 W 95TH STREET
LENEXA, KS 66215
* $ 638,972,000 1 $ 65,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 1 $ 335,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 165,000
Firefighters First Federal Credit Union
815 COLORADO BLVD
PASADENA, CA 91105
* $ 2,055,157,000 1 $ 505,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 205,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 85,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 95,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 175,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 392,061,000 1 $ 15,000
Home Bank & Trust Co.
217 N. MAIN
EUREKA, KS 67045
* $ 154,473,000 1 $ 255,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 145,000
Collins Community Credit Union
1150 42ND STREET NE
CEDAR RAPIDS, IA 52402
* $ 1,442,452,000 1 $ 85,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ 280,806,000 1 $ 105,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 1 $ 115,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 354,210,000 1 $ 115,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 354,210,000 1 $ 95,000
Cedar Rapids Bank and Trust
500 1ST AVENUE NE SUITE 100
CEDAR RAPIDS, IA 52401
* $ 2,023,177,000 1 $ 4,005,000
First State Bank
24300 LITTLE MACK
ST CLAIR SHORES, MI 48080
* $ 937,238,000 1 $ 105,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ -1,000 1 $ 105,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 195,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 1 $ 65,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ -1,000 1 $ 115,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 788,114,000 1 $ 75,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 85,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 1 $ 135,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 1 $ 485,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 9,729,918,000 1 $ 165,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 1 $ 25,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 255,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 1,341,481,000 1 $ 225,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 1 $ 35,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 215,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 45,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 175,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ 1,106,372,000 1 $ 285,000
Frontier Bank
17002 MARCY ST, STE 120
OMAHA, NE 68154
* $ 1,106,372,000 1 $ 75,000
Royal Credit Union
200 RIVERFRONT TERRACE
EAU CLAIRE, WI 54702
* $ 4,046,578,000 1 $ 555,000

The tables below break down 2022 mortgage applications in St. Joseph, MO-KS metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for St. Joseph, MO-KS in 2022

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 2,435 $428,105,000 $175,000 $7,845,000 $87,000 $1,803,000
Cash-out Refinancing 901 $141,005,000 $156,000 $2,905,000 $75,000 $748,000
Refinancing 651 $93,985,000 $144,000 $4,005,000 $84,000 $1,524,000
Home Improvement 290 $18,450,000 $63,000 $405,000 $89,000 $390,000
Other Purpose 196 $13,560,000 $69,000 $355,000 $87,000 $426,000
Not Applicable 40 $2,860,000 $71,000 $155,000 $76,000 $76,000

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 3,134 $466,630,000 $148,000 $1,025,000 $85,000 $1,803,000
Not applicable 606 $115,500,000 $190,000 $7,845,000 $67,000 $85,000
Not Provided 432 $66,410,000 $153,000 $645,000 $84,000 $900,000
Hispanic 167 $23,215,000 $139,000 $635,000 $68,000 $392,000
Black or African American 99 $12,825,000 $129,000 $545,000 $72,000 $494,000
American Indian or Alaskan Native 37 $5,325,000 $143,000 $455,000 $74,000 $167,000
Asian 30 $6,040,000 $201,000 $1,065,000 $96,000 $352,000
Native Hawaiian or Other Pacific Islander 2 $340,000 $170,000 $195,000 $174,000 $174,000

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) 3,136 $477,380,000 $152,000 $7,845,000 $92,000 $1,803,000
FHA-insured (Federal Housing Administration) 941 $137,195,000 $145,000 $425,000 $61,000 $385,000
VA-guaranteed (Veterans Administration) 384 $75,690,000 $197,000 $515,000 $70,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $7,700,000 $148,000 $275,000 $59,000 $93,000

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 2,537 $408,085,000 $160,000 $4,005,000 $86,000 $1,803,000
Application Denied By Financial Institution 688 $78,770,000 $114,000 $725,000 $67,000 $422,000
Application Withdrawn By Applicant 538 $90,250,000 $167,000 $7,845,000 $89,000 $1,560,000
Loan Purchased By The Institution 449 $77,225,000 $171,000 $4,005,000 $84,000 $252,000
File Closed For Incompleteness 178 $25,080,000 $140,000 $545,000 $93,000 $1,524,000
Application Approved But Not Accepted 116 $17,200,000 $148,000 $795,000 $87,000 $412,000
Preapproval Approved but not Accepted 7 $1,355,000 $193,000 $355,000 $121,000 $336,000
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 3,449 $556,935,000 $161,000 $7,845,000 $85,000 $1,803,000
Debt-To-Income Ratio 555 $81,895,000 $147,000 $4,005,000 $90,000 $1,560,000
Credit History 192 $20,620,000 $107,000 $465,000 $68,000 $422,000
Collateral 142 $17,320,000 $121,000 $465,000 $79,000 $365,000
Credit Application Incomplete 74 $9,240,000 $124,000 $355,000 $70,000 $269,000
Other 53 $6,255,000 $118,000 $725,000 $81,000 $267,000
Unverifiable Information 25 $3,715,000 $148,000 $645,000 $85,000 $420,000
Insufficient Cash (Downpayment, Closing Cost) 15 $1,205,000 $80,000 $185,000 $71,000 $123,000
Employment History 8 $780,000 $97,000 $145,000 $40,000 $92,000
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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