Stephenson County, IL Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,643 mortgage applications in Stephenson County, IL totaling $164.2 million, up 22% from 2011. The average application was for $99,000, and applicants reported an average income of $67,000. 65% of applications resulted in an originated loan and 19% were denied. The most active lender was Union Savings Bank, with 246 applications, followed by Northwest Bank of Rockford and Midwest Community 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 | 1,643 |
| Total Mortgage Loan Application Amount | $164,151,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $6,650,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,167,000 |
* 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 |
|---|---|---|---|---|
| Union Savings Bank 223 W STEPHENSON ST FREEPORT, IL 61032 |
* | $ 170,517,000 | 246 | $ 20,797,000 |
| Northwest Bank of Rockford 3106 N ROCKTON AVE ROCKFORD, IL 61103 |
* | $ 245,881,000 | 220 | $ 25,216,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 206,924,000 | 206 | $ 19,261,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 95 | $ 6,162,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 95 | $ 10,684,000 |
| Cornerstone Credit Union 550 W. MEADOWS DRIVE FREEPORT, IL 61032 |
* | $ 98,797,000 | 79 | $ 3,095,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 77 | $ 7,706,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 60 | $ 5,250,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 43 | $ 4,132,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 39 | $ 2,012,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 38 | $ 3,197,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ 223,459,000 | 29 | $ 2,518,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 24 | $ 2,452,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 20 | $ 2,623,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,510,045,000 | 19 | $ 1,975,000 |
| Alpine Bank & Trust Co. 1700 N ALPINE RD ROCKFORD, IL 61107 |
* | $ 1,038,968,000 | 17 | $ 1,858,000 |
| German-American State Bank 100 CHURCH STREET GERMAN VALLEY, IL 61039 |
* | $ 195,926,000 | 16 | $ 1,151,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 21,715,012,000 | 15 | $ 1,957,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 3,067,409,000 | 14 | $ 1,431,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 14 | $ 1,385,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,382,225,000 | 14 | $ 1,579,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ 415,949,000 | 11 | $ 1,657,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ 834,525,000 | 10 | $ 1,077,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 10 | $ 1,043,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 10 | $ 1,454,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 8 | $ 686,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 7 | $ 556,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 7 | $ 908,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 7 | $ 850,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 558,221,000 | 7 | $ 1,087,000 |
| First Northern Credit Union 230 W MONROE, SUITE 2850 CHICAGO, IL 60606 |
* | $ 289,440,000 | 7 | $ 683,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 7 | $ 553,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 954,685,000 | 7 | $ 468,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 6 | $ 617,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 5 | $ 510,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 648,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 5 | $ 293,000 |
| Durand State Bank PO BOX 537 DURAND, IL 61024 |
* | $ 85,175,000 | 5 | $ 432,000 |
| The Bank of New Glarus 501 FIRST STREET PO BOX 129 NEW GLARUS, WI 53574 |
* | $ 210,332,000 | 4 | $ 433,000 |
| Triumph Community Bank NA 2040 1ST STREET A MOLINE, IL 61265 |
* | $ 1,047,198,000 | 4 | $ 1,180,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 4 | $ 465,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 4 | $ 392,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 13,433,098,000 | 4 | $ 67,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 224,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 269,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 336,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 3 | $ 338,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 325,000 |
| Rock Valley Credit Union 1201 CLIFFORD AVE LOVES PARK, IL 61111 |
* | $ 75,466,000 | 3 | $ 267,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 3 | $ 23,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 249,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 179,000 |
| Wisconsin Bank & Trust 119 JUNCTION RD MADISON, WI 53717 |
* | $ 524,958,000 | 2 | $ 500,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 921,138,000 | 2 | $ 310,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 228,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 206,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 140,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 349,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 207,000 |
| American Financial Funding Corp. 10649 W 163RD PL ORLAND PARK, IL 60467 |
* | $ 1,100,000 | 2 | $ 340,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 168,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 247,000 |
| Merchants Capital Corp. 11555 NORTH MERIDIAN STREET, SUITE 400 CARMEL, IN 46032 |
* | $ 35,564,000 | 1 | $ 6,650,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,283,070,000 | 1 | $ 304,000 |
| American B&T C, N.A. 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 465,591,000 | 1 | $ 248,000 |
| National Penn Bank PO BOX 547 BOYERTOWN, PA 19512 |
* | $ 8,395,863,000 | 1 | $ 1,000 |
| Illinois Bank & Trust 6855 E RIVERSIDE BLVD ROCKFORD, IL 61114 |
* | $ 325,343,000 | 1 | $ 35,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 244,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 74,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 78,146,882,000 | 1 | $ 117,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 19,007,020,000 | 1 | $ 198,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 188,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 54,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 89,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ 14,292,000 | 1 | $ 109,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 55,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 100,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 175,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 80,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 91,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 239,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 115,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 224,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 1 | $ 416,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 137,000 |
| First Federal Savings Bank P.O. BOX 527 ROCHESTER, IN 46975 |
* | $ 346,368,000 | 1 | $ 74,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 72,848,000 | 1 | $ 298,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 1 | $ 150,000 |
| Midwest Bank 200 EAST BROADWAY, P.O. BOX 440 MONMOUTH, IL 61462 |
* | $ 417,673,000 | 1 | $ 102,000 |
| Rockford Bank and Trust Company 4571 GUILFORD ROAD ROCKFORD, IL 61107 |
* | $ 294,383,000 | 1 | $ 1,250,000 |
| R.I.A. Federal Credit Union PO BOX 4750 BETTENDORF, IA 52722 |
* | $ 333,732,000 | 1 | $ 118,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 79,462,000 | 1 | $ 20,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 32,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 263,810,000 | 1 | $ 30,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 975,137,000 | 1 | $ 58,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 143,473,000 | 1 | $ 118,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 1 | $ 30,000 |
| Heritage Credit Union 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 219,503,000 | 1 | $ 160,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 515,461,000 | 1 | $ 171,000 |
| Vision Mortgage Group 6724 COMMONWEALTH DRIVE LOVES PARK, IL 61111 |
* | $ 1,843,000 | 1 | $ 89,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 58,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 55,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 257,112,000 | 1 | $ 92,000 |
The tables below break down 2012 mortgage applications in Stephenson County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Stephenson County, IL in 2012
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 | 1,209 | $130,122,000 | $107,000 | $6,650,000 | $70,000 | $1,167,000 |
| Home Purchase | 343 | $30,336,000 | $88,000 | $287,000 | $57,000 | $910,000 |
| Home Improvement | 91 | $3,693,000 | $40,000 | $760,000 | $63,000 | $585,000 |
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 | 1,457 | $141,651,000 | $97,000 | $1,250,000 | $68,000 | $910,000 |
| Not Provided | 64 | $5,586,000 | $87,000 | $304,000 | $57,000 | $185,000 |
| Not applicable | 43 | $10,343,000 | $240,000 | $6,650,000 | $21,000 | $335,000 |
| Black or African American | 37 | $2,245,000 | $60,000 | $236,000 | $52,000 | $190,000 |
| Hispanic | 32 | $3,059,000 | $95,000 | $251,000 | $97,000 | $585,000 |
| Asian | 7 | $1,041,000 | $148,000 | $291,000 | $240,000 | $1,167,000 |
| American Indian or Alaskan Native | 3 | $226,000 | $75,000 | $120,000 | $37,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,339 | $129,507,000 | $96,000 | $1,250,000 | $73,000 | $1,167,000 |
| FHA-insured (Federal Housing Administration) | 159 | $15,249,000 | $95,000 | $251,000 | $38,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $14,164,000 | $149,000 | $6,650,000 | $36,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 50 | $5,231,000 | $104,000 | $194,000 | $47,000 | $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 | 1,065 | $107,534,000 | $100,000 | $6,650,000 | $72,000 | $1,167,000 |
| Application Denied By Financial Institution | 305 | $27,502,000 | $90,000 | $760,000 | $55,000 | $655,000 |
| Application Withdrawn By Applicant | 93 | $10,094,000 | $108,000 | $417,000 | $64,000 | $232,000 |
| Loan Purchased By The Institution | 87 | $8,593,000 | $98,000 | $212,000 | $42,000 | $335,000 |
| Application Approved But Not Accepted | 63 | $7,084,000 | $112,000 | $303,000 | $69,000 | $205,000 |
| File Closed For Incompleteness | 30 | $3,344,000 | $111,000 | $730,000 | $72,000 | $419,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 60 | $7,007,000 | $116,000 | $416,000 | $77,000 | $655,000 |
| Credit History | 59 | $4,117,000 | $69,000 | $237,000 | $55,000 | $156,000 |
| Debt-To-Income Ratio | 35 | $3,319,000 | $94,000 | $251,000 | $50,000 | $230,000 |
| Credit Application Incomplete | 15 | $1,301,000 | $86,000 | $235,000 | $53,000 | $225,000 |
| Other | 14 | $875,000 | $62,000 | $163,000 | $46,000 | $92,000 |
| Unverifiable Information | 3 | $360,000 | $120,000 | $175,000 | $75,000 | $105,000 |
| Employment History | 2 | $196,000 | $98,000 | $148,000 | $43,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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