Stark County, ND Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,859 mortgage applications in Stark County, ND totaling $425.9 million, down 6% from 2013. The average application was for $229,000, and applicants reported an average income of $87,000. 58% of applications resulted in an originated loan and 11% were denied. The most active lender was Dakota Community Bank & Trust, NA, with 229 applications, followed by Wells Fargo Bank NA and Gate City Bank.
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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 | 1,859 |
| Total Mortgage Loan Application Amount | $425,906,000 |
| Average Mortgage Loan Application Amount | $229,000 |
| Highest Mortgage Loan Application Amount | $7,400,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $1,524,000 |
* 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 |
|---|---|---|---|---|
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 705,470,000 | 229 | $ 56,211,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 214 | $ 47,256,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,670,951,000 | 178 | $ 32,352,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 142 | $ 34,558,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,129,209,000 | 82 | $ 17,192,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,106,311,000 | 55 | $ 16,853,000 |
| Bank of North Dakota 1200 MEMORIAL HWY BISMARCK, ND 58504 |
* | $ 35,500,000 | 53 | $ 11,877,000 |
| Western Cooperative Credit Union PO BOX 2237/1300 BISON DR WILLISTON, ND 58801 |
* | $ 318,476,000 | 46 | $ 7,856,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 237,168,000 | 44 | $ 10,081,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 41 | $ 19,116,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 40 | $ 9,303,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 40 | $ 2,384,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 38 | $ 9,244,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 34 | $ 8,609,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 34 | $ 7,085,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 850,750,000 | 25 | $ 1,959,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 21 | $ 5,579,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 20 | $ 5,508,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 20 | $ 4,567,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 19 | $ 3,650,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 208,575,000 | 19 | $ 3,406,000 |
| Choice Financial Group 4501 23RD AVE S FARGO, ND 58104 |
* | $ 653,119,000 | 17 | $ 2,262,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 3,672,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 128,245,000 | 14 | $ 3,381,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 13 | $ 1,138,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 12 | $ 1,522,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 841,451,000 | 12 | $ 9,992,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 12 | $ 1,422,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 11 | $ 3,110,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 66,467,781,000 | 11 | $ 844,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 11 | $ 2,903,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 11 | $ 3,035,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 10 | $ 1,980,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 10 | $ 2,224,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 10 | $ 2,446,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 1,530,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 961,215,000 | 9 | $ 1,768,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 9 | $ 2,524,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 9 | $ 2,078,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,367,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ 0 | 8 | $ 1,810,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 8 | $ 1,701,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,632,682,000 | 7 | $ 4,734,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 7 | $ 1,876,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 1,208,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 2,596,037,000 | 6 | $ 1,417,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 668,544,000 | 6 | $ 1,804,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 6 | $ 1,455,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 6 | $ 1,441,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 726,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 5 | $ 1,316,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 7,537,959,000 | 4 | $ 1,793,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 0 | 4 | $ 983,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 5,037,879,000 | 4 | $ 858,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,099,031,000 | 4 | $ 1,079,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 4 | $ 1,148,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 4 | $ 1,033,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 4 | $ 80,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 102,326,000 | 3 | $ 705,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 3 | $ 746,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 775,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 489,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 746,000 |
| First Community Credit Union 111 9TH ST SW JAMESTOWN, ND 58401 |
* | $ 471,727,000 | 3 | $ 206,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 346,036,000 | 3 | $ 568,000 |
| Reliant Bank 1736 CAROTHERS PKWY., STE. 100 BRENTWOOD, TN 37027 |
* | $ 384,572,000 | 3 | $ 787,000 |
| Captex Bank, National Association PO BOX 4 TRENTON, TX 75490 |
* | $ 152,303,000 | 3 | $ 485,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 2 | $ 433,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 286,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 293,363,000 | 2 | $ 211,000 |
| Western State Bank 755 13TH AVE E DEVILS LAKE, ND 58301 |
* | $ 688,805,000 | 2 | $ 1,646,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 422,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 2 | $ 50,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 139,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 483,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 2 | $ 236,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 2 | $ 580,000 |
| First Personal Bank 14701 S RAVINIA AVE ORLAND PARK, IL 60462 |
* | $ 165,791,000 | 2 | $ 119,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 2 | $ 439,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 549,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 309,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,540,049,000 | 1 | $ 330,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 235,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 244,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 378,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 305,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ 10,000,000 | 1 | $ 231,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 324,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,014,796,000 | 1 | $ 179,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,192,380,000 | 1 | $ 204,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 242,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 1 | $ 334,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 478,857,000 | 1 | $ 160,000 |
| Bank of Montana 125 BANK STREET, SUITE 100 MISSOULA, MT 59802 |
* | $ 45,170,000 | 1 | $ 228,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 1 | $ 200,000 |
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 106,059,000 | 1 | $ 150,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 172,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 1 | $ 50,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 341,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ 26,864,000 | 1 | $ 300,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 250,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 360,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 381,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 263,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ 552,596,000 | 1 | $ 2,805,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 367,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 284,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 193,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 351,442,000 | 1 | $ 76,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 305,013,000 | 1 | $ 90,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,905,587,000 | 1 | $ 172,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,016,109,000 | 1 | $ 248,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 350,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ 91,404,000 | 1 | $ 120,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 515,115,000 | 1 | $ 127,000 |
| Pinnacle Bank - Wyoming PO BOX 760 CODY, WY 82414 |
* | $ 654,362,000 | 1 | $ 261,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 1 | $ 100,000 |
| Valley Mortgage, Inc. 3315 45TH ST S, SUITE 200 FARGO, ND 58104 |
* | $ 520,000,000 | 1 | $ 249,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 109,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,184,373,000 | 1 | $ 293,000 |
| Energy One Federal Credit Union 6100 S YALE AVE, SUITE 100 TULSA, OK 74136 |
* | $ 243,376,000 | 1 | $ 312,000 |
The tables below break down 2014 mortgage applications in Stark County, ND by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Stark County, ND in 2014
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 | 1,292 | $326,627,000 | $252,000 | $7,400,000 | $87,000 | $1,524,000 |
| Refinancing | 458 | $89,140,000 | $194,000 | $2,805,000 | $87,000 | $857,000 |
| Home Improvement | 109 | $10,139,000 | $93,000 | $1,500,000 | $89,000 | $494,000 |
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 | 1,441 | $291,545,000 | $202,000 | $1,315,000 | $98,000 | $1,524,000 |
| Not applicable | 285 | $108,017,000 | $379,000 | $7,400,000 | $28,000 | $857,000 |
| Not Provided | 64 | $13,070,000 | $204,000 | $675,000 | $96,000 | $460,000 |
| Hispanic | 28 | $5,273,000 | $188,000 | $342,000 | $82,000 | $197,000 |
| Black or African American | 14 | $3,131,000 | $223,000 | $332,000 | $80,000 | $129,000 |
| American Indian or Alaskan Native | 13 | $2,229,000 | $171,000 | $245,000 | $88,000 | $199,000 |
| Asian | 11 | $2,130,000 | $193,000 | $297,000 | $97,000 | $339,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $511,000 | $170,000 | $242,000 | $79,000 | $97,000 |
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) | 1,175 | $269,472,000 | $229,000 | $7,400,000 | $99,000 | $1,524,000 |
| FHA-insured (Federal Housing Administration) | 397 | $86,301,000 | $217,000 | $309,000 | $72,000 | $804,000 |
| VA-guaranteed (Veterans Administration) | 173 | $46,816,000 | $270,000 | $417,000 | $64,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 114 | $23,317,000 | $204,000 | $332,000 | $43,000 | $116,000 |
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 | 1,084 | $253,192,000 | $233,000 | $7,400,000 | $100,000 | $1,524,000 |
| Loan Purchased By The Institution | 350 | $83,544,000 | $238,000 | $417,000 | $50,000 | $857,000 |
| Application Denied By Financial Institution | 208 | $36,168,000 | $173,000 | $675,000 | $73,000 | $209,000 |
| Application Withdrawn By Applicant | 113 | $29,850,000 | $264,000 | $6,000,000 | $94,000 | $494,000 |
| Application Approved But Not Accepted | 89 | $19,794,000 | $222,000 | $5,800,000 | $96,000 | $370,000 |
| File Closed For Incompleteness | 15 | $3,358,000 | $223,000 | $496,000 | $94,000 | $176,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 40 | $8,114,000 | $202,000 | $360,000 | $54,000 | $209,000 |
| Credit History | 38 | $4,404,000 | $115,000 | $360,000 | $86,000 | $192,000 |
| Collateral | 28 | $5,522,000 | $197,000 | $535,000 | $81,000 | $183,000 |
| Credit Application Incomplete | 11 | $2,476,000 | $225,000 | $379,000 | $74,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,336,000 | $190,000 | $270,000 | $89,000 | $197,000 |
| Other | 7 | $1,368,000 | $195,000 | $465,000 | $86,000 | $151,000 |
| Unverifiable Information | 6 | $1,230,000 | $205,000 | $332,000 | $95,000 | $158,000 |
| Employment History | 2 | $289,000 | $144,000 | $249,000 | $70,000 | $95,000 |
| 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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