Stanly County, NC Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,635 mortgage applications in Stanly County, NC totaling $199.8 million, down 3% from 2010. The average application was for $122,000, and applicants reported an average income of $59,000. 40% of applications resulted in an originated loan and 26% were denied. The most active lender was Wells Fargo Bank NA, with 270 applications, followed by State Employees' Credit Union and Suntrust Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,635
Total Mortgage Loan Application Amount $199,785,000
Average Mortgage Loan Application Amount $122,000
Highest Mortgage Loan Application Amount $550,000
Average Applicant Income $59,000
Highest Applicant Income $1,310,000

Mortgage Company List for Lending in Stanly County, NC 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 270 $ 33,949,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 23,061,183,000 152 $ 17,858,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 165,800,581,000 108 $ 731,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 96 $ 12,099,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 92 $ 10,991,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 82 $ 8,629,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 73 $ 9,722,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 63 $ 8,905,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 3,278,081,000 43 $ 4,586,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 43 $ 3,719,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 31 $ 5,378,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 27 $ 4,919,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 25 $ 3,378,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,085,592,000 23 $ 2,505,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 19 $ 3,111,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 18 $ 2,764,000
Monarch Bank
1435 CROSSWAYS BOULEVARD, SUITE 101
CHESAPEAKE, VA 23320
* $ 826,113,000 18 $ 2,694,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 16 $ 2,264,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 15 $ 1,357,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 15 $ 2,837,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 242,561,000 14 $ 1,570,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 20,797,006,000 12 $ 929,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 11 $ 1,004,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 11 $ 1,332,000
Cmc Funding, Inc.
814 A1A NORTH, STE. 303
PONTE VEDRA BEACH, FL 32082
* $ 10,000,000 10 $ 1,186,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 9 $ 1,317,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 9 $ 466,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 8 $ 527,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 8 $ 1,161,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 8 $ 1,115,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 545,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,220,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 8 $ 1,445,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 7 $ 1,172,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 7 $ 844,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 6 $ 998,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ 10,000,000 6 $ 1,341,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,033,000
1st Choice Mortgage/Equity Cor
1021 BRIARGATE CIRCLE
COLUMBIA, SC 29210
* $ 10,000,000 6 $ 947,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 6 $ 1,021,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 5 $ 1,062,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 5 $ 1,061,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 5 $ 868,000
Union Mortgage Group, Inc.
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 3,804,090,000 5 $ 1,108,000
Stellarone Bank
1051 EAST CARY STREET, SUITE 1200
RICHMOND, VA 23219
* $ 2,923,419,000 5 $ 573,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 676,387,000 5 $ 989,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 1,400,622,000 5 $ 522,000
Cabarrus Bank & Trust Company
PO BOX 1970
CONCORD, NC 28026
* $ 129,184,000 4 $ 613,000
Anson Bank & Trust Co.
PO BOX 249
WADESBORO, NC 28170
* $ 58,009,000 4 $ 571,000
First Federal of Charleston
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,249,548,000 4 $ 339,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 4 $ 603,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 4 $ 523,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 4 $ 994,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 4 $ 506,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 501,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 294,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 4 $ 688,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 4 $ 697,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 1,944,330,000 3 $ 379,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 3 $ 342,000
Barrons Mortgage Group Ltd
3325 SOUTH TRYON STREET
CHARLOTTE, NC 28217
* $ 6,353,000 3 $ 580,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 3 $ 304,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 3 $ 272,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 3 $ 534,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 3 $ 434,000
Southern Bank and Trust Compan
PO BOX 729
MT OLIVE, NC 28365
* $ 1,337,305,000 3 $ 644,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 3 $ 354,000
Bank of North Carolina
3980 PREMIER DR. STE 150
HIGH POINT, NC 27265
* $ 2,148,565,000 3 $ 491,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 2 $ 435,000
Sidus Financial, LLC
701 GREEN VALLEY ROAD, SUITE 101
GREENSBORO, NC 27408
* $ 10,000,000 2 $ 491,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 2 $ 349,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 2 $ 428,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 511,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 2 $ 240,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 2 $ 142,000
Rbc Bank
131 NORTH CHURCH STREET
ROCKY MT., NC 27804
* $ 27,285,986,000 2 $ 551,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 2 $ 264,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 229,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 206,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 184,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 2 $ 193,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 2 $ 325,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ 10,000,000 2 $ 278,000
Walker Jackson Mortgage Corpor
14501 GEORGE CARTER WAY
CHANTILLY, VA 20151
* $ 292,944,000 2 $ 388,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 203,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 938,997,000 2 $ 135,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 193,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 211,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 174,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 152,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 138,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 72,000
The First National Bank of Groton
161 MAIN STREET
GROTON, NY 13073
* $ 127,731,000 1 $ 10,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 1 $ 125,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 165,000
Resource Financial Services
2717 DEVINE STREET
COLUMBIA, SC 29205
* $ 10,000,000 1 $ 124,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 175,000
Residential Finance Corp.
401 N. FRONT STREET, SUITE 300
COLUMBUS, OH 43215
* $ 17,533,484,000 1 $ 161,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 83,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 76,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 125,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 125,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 153,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 1 $ 8,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 1 $ 172,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 1 $ 203,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 90,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 194,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 132,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 1 $ 177,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 83,000
Greentree Mortgage Company, L.P.
2 EASTWICK DRIVE, SUITE 300
GIBBSBORO, NJ 08026
* $ 31,000,000 1 $ 58,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 113,000
Sutherland Mortgage Services
5959 CORPORATE DR, SUITE 3000
HOUSTON, TX 77036
* $ 37,000,000 1 $ 97,000
Amerisouth Mortgage Company
2101 SARDIS RD N STE 120
CHARLOTTE, NC 28227
* $ 10,000,000 1 $ 54,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 119,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 106,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 242,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 203,000
Allen Tate Mortgage Services,
8640 UNIVERSITY EXECUTIVE PARK DR
CHARLOTTE, NC 28262
* $ 10,000,000 1 $ 118,000
E*Trade Savings Bank
671 N. GLEBE RD 12TH FLOOR
ARLINGTON, VA 22203
* $ 1,550,836,000 1 $ 160,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 260,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 96,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 338,000
BNC National Bank

BISMARCK, ND 58501
* $ 745,184,000 1 $ 141,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 198,000
Citizens South Bank
PO BOX 2249
GASTONIA, NC 28053
* $ 1,061,313,000 1 $ 200,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 1 $ 76,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 10,833,007,000 1 $ 100,000
Fidelity Bank
100 S MAIN ST
FUQUAY-VARINA, NC 27526
* $ 1,402,242,000 1 $ 157,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 76,586,967,000 1 $ 171,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 1 $ 338,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 151,000
Southern Trust Mortgage LLC
4433 CORPORATION LANE, SUITE 300
VIRGINIA BEACH, VA 23462
* $ 935,253,000 1 $ 370,000
Gateway Bank Mortgage, Inc.
901 E CAREY STREET, SUITE 1700
RICHMOND, VA 23219
* $ 2,579,350,000 1 $ 101,000
Peoples Bank
518 WEST C STREET
NEWTON, NC 28658
* $ 1,064,980,000 1 $ 80,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 1 $ 114,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 3,942,789,000 1 $ 119,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 218,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 832,744,000 1 $ 95,000
Premier Federal Credit Union
1400 YANCEYVILLE ST
GREENSBORO, NC 27405
* $ 114,223,000 1 $ 88,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 31,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 907,624,000 1 $ 285,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,163,220,000 1 $ 194,000
Yadkin Bank
325 EAST FRONT STREET
STATESVILLE, NC 28677
* $ 2,297,660,000 1 $ 175,000
Southern Community Bank and Tr
465 SHEPHERD STREET
WINSTON SALEM, NC 27103
* $ 1,649,633,000 1 $ 417,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 3,871,028,000 1 $ 304,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 632,904,000 1 $ 169,000
Carolina Premier Bank
13024 BALLANTYNE CORPORATE PLACE
CHARLOTTE, NC 28277
* $ 157,567,000 1 $ 440,000

The tables below break down 2011 mortgage applications in Stanly County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Stanly County, NC 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 1,017 $136,650,000 $134,000 $508,000 $65,000 $1,310,000
Home Purchase 464 $58,821,000 $126,000 $461,000 $52,000 $237,000
Home Improvement 154 $4,314,000 $28,000 $550,000 $37,000 $202,000

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 1,248 $151,536,000 $121,000 $550,000 $63,000 $1,310,000
Not Provided 138 $18,732,000 $135,000 $293,000 $64,000 $390,000
Not applicable 95 $14,742,000 $155,000 $417,000 $18,000 $252,000
Black or African American 95 $8,849,000 $93,000 $461,000 $47,000 $200,000
Hispanic 32 $2,919,000 $91,000 $272,000 $44,000 $100,000
Asian 21 $2,609,000 $124,000 $291,000 $66,000 $232,000
American Indian or Alaskan Native 3 $211,000 $70,000 $133,000 $46,000 $93,000
Native Hawaiian or Other Pacific Islander 3 $187,000 $62,000 $90,000 $29,000 $31,000

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) 1,104 $130,970,000 $118,000 $550,000 $68,000 $1,310,000
FHA-insured (Federal Housing Administration) 347 $43,131,000 $124,000 $298,000 $40,000 $136,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 109 $13,793,000 $126,000 $243,000 $37,000 $78,000
VA-guaranteed (Veterans Administration) 75 $11,891,000 $158,000 $310,000 $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 659 $84,032,000 $127,000 $550,000 $66,000 $409,000
Application Denied By Financial Institution 427 $40,367,000 $94,000 $508,000 $53,000 $1,310,000
Loan Purchased By The Institution 219 $32,185,000 $146,000 $417,000 $43,000 $400,000
Application Withdrawn By Applicant 189 $24,565,000 $129,000 $417,000 $57,000 $320,000
File Closed For Incompleteness 71 $10,283,000 $144,000 $292,000 $70,000 $390,000
Application Approved But Not Accepted 70 $8,353,000 $119,000 $389,000 $72,000 $638,000
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 152 $8,261,000 $54,000 $340,000 $43,000 $232,000
Debt-To-Income Ratio 74 $8,027,000 $108,000 $508,000 $45,000 $175,000
Collateral 59 $8,355,000 $141,000 $401,000 $88,000 $328,000
Other 30 $3,591,000 $119,000 $370,000 $97,000 $1,310,000
Credit Application Incomplete 14 $1,369,000 $97,000 $184,000 $43,000 $95,000
Insufficient Cash (Downpayment, Closing Cost) 6 $781,000 $130,000 $238,000 $44,000 $102,000
Unverifiable Information 5 $788,000 $157,000 $280,000 $42,000 $86,000
Employment History 5 $730,000 $146,000 $240,000 $54,000 $112,000
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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