Steele County, MN Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,323 mortgage applications in Steele County, MN totaling $174.5 million, down 29% from 2013. The average application was for $131,000, and applicants reported an average income of $68,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank NA, with 321 applications, followed by Luminate Home Loans, Inc. and US Bank, N.A..
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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 | 1,323 |
| Total Mortgage Loan Application Amount | $174,483,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $2,415,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 321 | $ 39,941,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 116 | $ 17,028,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 110 | $ 12,892,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 57 | $ 8,232,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 37 | $ 4,406,000 |
| United Prairie Bank 10 FIRESTONE DRIVE, SUITE 300 MANKATO, MN 56001 |
* | $ 560,803,000 | 36 | $ 3,114,000 |
| Profinium, Inc. 105 LAKE AVE. PO BOX 848 FAIRMONT, MN 56031 |
* | $ 315,578,000 | 30 | $ 3,357,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 28 | $ 3,957,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 28 | $ 5,880,000 |
| Wells Federal Bank 53 1ST ST SW WELLS, MN 56097 |
* | $ 243,660,000 | 26 | $ 2,571,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 2,794,680,000 | 25 | $ 4,308,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 22 | $ 3,300,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 21 | $ 2,820,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 18 | $ 2,306,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,362,044,000 | 14 | $ 1,597,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 647,428,000 | 12 | $ 547,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 12 | $ 1,751,000 |
| First State Bank of Red Wing, the 3209 SOUTH SERVICE DRIVE RED WING, MN 55066 |
* | $ 73,927,000 | 12 | $ 664,000 |
| Roundbank 200 SECOND STREET NE, PO BOX 667 WASECA, MN 56093 |
* | $ 298,904,000 | 11 | $ 805,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 11 | $ 1,126,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 11 | $ 1,669,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 10 | $ 1,478,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 10 | $ 1,016,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 2,905,587,000 | 9 | $ 1,389,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 9 | $ 1,119,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 1,293,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,744,025,000 | 9 | $ 621,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 8 | $ 1,085,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 8 | $ 964,000 |
| Rescue Mortgage Inc 10740 LYNDALE AVE S, SUITE 19E BLOOMINGTON, MN 55420 |
* | $ 1,507,000 | 7 | $ 984,000 |
| Premier Bank Minnesota 417 4TH ST NW FARIBAULT, MN 55021 |
* | $ 172,327,000 | 7 | $ 2,351,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 7 | $ 961,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 7 | $ 593,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 7 | $ 671,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,148,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 6 | $ 1,025,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 5 | $ 496,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 5 | $ 792,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 926,944,000 | 5 | $ 188,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 5 | $ 827,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 5 | $ 721,000 |
| Eastwood Bank 5125 HWY 52 N ROCHESTER, MN 55901 |
* | $ 669,013,000 | 5 | $ 711,000 |
| Community Bank Mankato 300 ST ANDREWS DR VERNON CENTER, MN 56090 |
* | $ 211,553,000 | 4 | $ 184,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 4 | $ 590,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 4 | $ 332,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 914,430,000 | 4 | $ 198,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 535,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 495,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 703,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 428,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 4 | $ 548,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 4 | $ 86,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,468,863,000 | 4 | $ 320,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 3 | $ 486,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 3 | $ 431,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 429,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 409,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 3 | $ 261,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 513,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 3 | $ 386,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 3 | $ 273,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 3 | $ 534,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 3 | $ 569,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 343,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 338,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 379,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 2 | $ 297,000 |
| Community Resource Bank 1605 HERITAGE DRIVE NORTHFIELD, MN 55057 |
* | $ 237,069,000 | 2 | $ 592,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 474,386,000 | 2 | $ 355,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,630,992,000 | 2 | $ 271,000 |
| Farmers State Bank 181 MAIN ST WEST CONCORD, MN 55985 |
* | $ 47,522,000 | 2 | $ 185,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 2 | $ 448,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 311,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 367,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 305,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 2 | $ 507,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 303,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ 376,995,000 | 2 | $ 159,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 507,879,000 | 1 | $ 638,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 2,159,327,000 | 1 | $ 45,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 158,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 282,731,000 | 1 | $ 2,000,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 146,000 |
| Falcon National Bank 183 CEDAR DRIVE FOLEY, MN 56329 |
* | $ 156,245,000 | 1 | $ 63,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 1 | $ 169,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 967,098,000 | 1 | $ 200,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 928,895,000 | 1 | $ 20,000 |
| Hometown Bank 1000 EAST COOK STREET REDWOOD FALLS, MN 56283 |
* | $ 223,190,000 | 1 | $ 127,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 93,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 202,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 399,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 186,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 198,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 41,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 138,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 1 | $ 216,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 184,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 5,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 87,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 225,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 159,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 141,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 166,000 |
| Colorado Federal Savings Bank8 400 EAST PRENTICE AVE, SUITE 840 GREENWOOD VILLAGE, CO 80111 |
* | $ 1,556,338,000 | 1 | $ 23,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,376,686,000 | 1 | $ 149,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 3,910,000,000 | 1 | $ 118,000 |
| Tradition Capital Bank 7601 FRANCE AVE S WAYZATA, MN 55391 |
* | $ 258,577,000 | 1 | $ 85,000 |
| Inspired Financial Services, LLC 2708 BICENTENNIAL DR, STE A CEDAR FALLS, IA 50613 |
* | $ 148,146,000 | 1 | $ 122,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 259,270,000 | 1 | $ 152,000 |
| Sharepoint Credit Union 5300 HYLAND GREENS DR BLOOMINGTON, MN 55437 |
* | $ 182,410,000 | 1 | $ 168,000 |
| First National Bank of Le Center 10 W. MINNESOTA ST LE CENTER, MN 56057 |
* | $ 85,156,000 | 1 | $ 120,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,374,757,000 | 1 | $ 120,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 94,000 |
| Citizens State Bank of Hayfiel 216 1ST AVE NE HAYFIELD, MN 55940 |
* | $ 82,813,000 | 1 | $ 84,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 105,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 1 | $ 122,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 337,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 100,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 176,000 |
The tables below break down 2014 mortgage applications in Steele County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Steele County, MN 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 | 659 | $97,859,000 | $148,000 | $2,000,000 | $66,000 | $2,415,000 |
| Refinancing | 556 | $73,252,000 | $131,000 | $1,700,000 | $70,000 | $1,644,000 |
| Home Improvement | 108 | $3,372,000 | $31,000 | $360,000 | $67,000 | $231,000 |
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 | 1,028 | $137,534,000 | $133,000 | $1,700,000 | $78,000 | $2,415,000 |
| Not applicable | 162 | $23,412,000 | $144,000 | $2,000,000 | $5,000 | $124,000 |
| Not Provided | 81 | $8,442,000 | $104,000 | $638,000 | $73,000 | $245,000 |
| Hispanic | 40 | $3,647,000 | $91,000 | $190,000 | $46,000 | $98,000 |
| Asian | 8 | $818,000 | $102,000 | $138,000 | $52,000 | $129,000 |
| Black or African American | 4 | $630,000 | $157,000 | $260,000 | $66,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 831 | $110,046,000 | $132,000 | $2,000,000 | $83,000 | $2,415,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 238 | $30,047,000 | $126,000 | $260,000 | $38,000 | $106,000 |
| FHA-insured (Federal Housing Administration) | 173 | $21,534,000 | $124,000 | $219,000 | $45,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 81 | $12,856,000 | $158,000 | $399,000 | $47,000 | $199,000 |
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 | 727 | $96,078,000 | $132,000 | $2,000,000 | $81,000 | $2,415,000 |
| Loan Purchased By The Institution | 227 | $31,778,000 | $139,000 | $399,000 | $26,000 | $212,000 |
| Application Denied By Financial Institution | 199 | $23,125,000 | $116,000 | $1,700,000 | $58,000 | $208,000 |
| Application Withdrawn By Applicant | 109 | $16,583,000 | $152,000 | $638,000 | $77,000 | $580,000 |
| Application Approved But Not Accepted | 38 | $4,340,000 | $114,000 | $342,000 | $79,000 | $231,000 |
| File Closed For Incompleteness | 23 | $2,579,000 | $112,000 | $193,000 | $60,000 | $169,000 |
| 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 | 42 | $2,456,000 | $58,000 | $303,000 | $60,000 | $115,000 |
| Collateral | 36 | $6,675,000 | $185,000 | $1,700,000 | $69,000 | $208,000 |
| Debt-To-Income Ratio | 20 | $2,193,000 | $109,000 | $265,000 | $40,000 | $89,000 |
| Credit Application Incomplete | 13 | $1,470,000 | $113,000 | $224,000 | $57,000 | $120,000 |
| Other | 13 | $1,379,000 | $106,000 | $180,000 | $45,000 | $118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $919,000 | $91,000 | $160,000 | $48,000 | $113,000 |
| Employment History | 9 | $1,153,000 | $128,000 | $236,000 | $55,000 | $96,000 |
| Unverifiable Information | 1 | $73,000 | $73,000 | $73,000 | $96,000 | $96,000 |
| 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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