Stephenson County, IL Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,325 mortgage applications in Stephenson County, IL totaling $209.7 million, down 19% from 2012. The average application was for $158,000, and applicants reported an average income of $68,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was US Bank, N.A., with 156 applications, followed by Union Savings Bank and Northwest Bank of Rockford.
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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 | 1,325 |
| Total Mortgage Loan Application Amount | $209,737,000 |
| Average Mortgage Loan Application Amount | $158,000 |
| Highest Mortgage Loan Application Amount | $58,201,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,980,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 156 | $ 12,558,000 |
| Union Savings Bank 223 W STEPHENSON ST FREEPORT, IL 61032 |
* | $ 167,529,000 | 142 | $ 11,402,000 |
| Northwest Bank of Rockford 3106 N ROCKTON AVE ROCKFORD, IL 61103 |
* | $ 239,881,000 | 134 | $ 15,389,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 208,092,000 | 131 | $ 12,474,000 |
| Cornerstone Credit Union 550 W. MEADOWS DRIVE FREEPORT, IL 61032 |
* | $ 100,149,000 | 69 | $ 3,187,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 54 | $ 5,517,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 49 | $ 4,239,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 42 | $ 3,399,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 34 | $ 1,539,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 31 | $ 2,337,000 |
| German-American State Bank 100 CHURCH STREET GERMAN VALLEY, IL 61039 |
* | $ 200,701,000 | 25 | $ 1,464,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 24 | $ 2,440,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,569,090,000 | 18 | $ 1,183,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ 223,143,000 | 15 | $ 1,386,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 14 | $ 1,158,000 |
| Alpine Bank & Trust Co. 1700 N ALPINE RD ROCKFORD, IL 61107 |
* | $ 1,108,002,000 | 13 | $ 1,957,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 13 | $ 1,194,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,064,000 |
| Durand State Bank PO BOX 537 DURAND, IL 61024 |
* | $ 87,875,000 | 12 | $ 1,538,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 11 | $ 1,220,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 11 | $ 1,239,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 890,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,350,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 158,082,000 | 10 | $ 770,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 2,413,158,000 | 10 | $ 1,273,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,200,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 9 | $ 1,272,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ 434,985,000 | 9 | $ 666,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,482,504,000 | 9 | $ 959,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,236,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 7 | $ 778,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 7 | $ 831,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 6 | $ 338,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 6 | $ 880,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 781,000 |
| Wisconsin Bank & Trust 119 JUNCTION RD MADISON, WI 53717 |
* | $ 691,715,000 | 6 | $ 1,610,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 557,916,000 | 5 | $ 830,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 5 | $ 356,000 |
| First Northern Credit Union 230 W MONROE, SUITE 2850 CHICAGO, IL 60606 |
* | $ 308,227,000 | 5 | $ 377,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,260,580,000 | 4 | $ 536,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 953,650,000 | 4 | $ 388,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 95,264,963,000 | 4 | $ 527,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ 826,590,000 | 4 | $ 333,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 4 | $ 301,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 4 | $ 341,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 4 | $ 135,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 478,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 424,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 267,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,067,664,000 | 3 | $ 49,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,312,554,000 | 3 | $ 2,701,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 317,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 208,000 |
| The Bank of New Glarus 501 FIRST STREET PO BOX 129 NEW GLARUS, WI 53574 |
* | $ 210,512,000 | 3 | $ 713,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 3 | $ 81,100,000 |
| Republic Mortgage Home Loans 5241 SOUTH STATE STREET, SUITE 2 MURRAY, UT 84107 |
* | $ 10,000,000 | 2 | $ 206,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 2 | $ 136,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 18,273,792,000 | 2 | $ 229,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 137,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 2 | $ 90,000 |
| The Harvard State Bank 35 N AYER ST, PO BOX 40 HARVARD, IL 60033 |
* | $ 235,870,000 | 2 | $ 198,000 |
| Heritage Credit Union 1212 HUXLEY STREET MADISON, WI 53704 |
* | $ 226,538,000 | 2 | $ 90,000 |
| Home State Bank National Association 40 GRANT STREET CRYSTAL LAKE, IL 60014 |
* | $ 599,277,000 | 2 | $ 397,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 202,000 |
| Bank CMG 8020 EXCELSIOR DR STE 100 MADISON, WI 53717 |
* | $ 70,751,000 | 2 | $ 285,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 243,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 404,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ 40,000,000 | 2 | $ 181,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 2 | $ 301,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 313,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 166,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 291,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 72,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 61,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 200,000 |
| State Bank of the Lakes 440 LAKE ST ANTIOCH, IL 60002 |
* | $ 781,706,000 | 1 | $ 132,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 89,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 1 | $ 127,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 949,559,000 | 1 | $ 66,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 110,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Badgerland Financial, Aca 1430 NORTH RIDGE DRIVE PRAIRIE DU SAC, WI 53578 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 177,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 77,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 920,888,000 | 1 | $ 80,000 |
| Standard Bank and Trust Co. 7800 W 95TH ST HICKORY HILLS, IL 60457 |
* | $ 2,183,156,000 | 1 | $ 920,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 149,000 |
| University of Illinois Community Credit Union 2201 S FIRST ST CHAMPAIGN, IL 61820 |
* | $ 278,645,000 | 1 | $ 4,000 |
| American Fidelity Mortgage Services, Inc. WHEATON, IL 60189 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Triumph Community Bank NA 2040 1ST STREET A MOLINE, IL 61265 |
* | $ 938,810,000 | 1 | $ 36,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 105,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Compass Mortgage, Inc. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 6,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 127,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 3,670,975,000 | 1 | $ 56,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 110,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 97,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 116,000 |
| The National Bank & Trust Comp 230 W STATE ST SYCAMORE, IL 60178 |
* | $ 592,388,000 | 1 | $ 58,000 |
| First National Bank of Rochelle 340 MAY MART DRIVE ROCHELLE, IL 61068 |
* | $ 242,036,000 | 1 | $ 243,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 1 | $ 11,000 |
| First Community CU of Beloit 1702 PARK AVE BELOIT, WI 53511 |
* | $ 88,230,000 | 1 | $ 7,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 696,033,000 | 1 | $ 97,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 140,392,000 | 1 | $ 62,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 298,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 83,000 |
| East Dubuque Savings Bank 475 CEDAR CROSS ROAD DUBUQUE, IA 52003 |
* | $ 157,938,000 | 1 | $ 85,000 |
| Rockford Bank and Trust Company 4571 GUILFORD ROAD ROCKFORD, IL 61107 |
* | $ 313,825,000 | 1 | $ 65,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 14,500,067,000 | 1 | $ 159,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 138,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 259,651,000 | 1 | $ 207,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,927,655,000 | 1 | $ 83,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 224,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 200,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 2,043,606,000 | 1 | $ 2,450,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 83,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 2,858,506,000 | 1 | $ 8,000 |
The tables below break down 2013 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 2013
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 | 852 | $171,978,000 | $201,000 | $58,201,000 | $71,000 | $1,980,000 |
| Home Purchase | 379 | $35,216,000 | $92,000 | $400,000 | $65,000 | $1,100,000 |
| Home Improvement | 94 | $2,543,000 | $27,000 | $243,000 | $51,000 | $181,000 |
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 | 1,124 | $109,557,000 | $97,000 | $2,463,000 | $72,000 | $1,980,000 |
| Not Provided | 70 | $5,299,000 | $75,000 | $390,000 | $63,000 | $248,000 |
| Not applicable | 65 | $90,292,000 | $1,389,000 | $58,201,000 | $27,000 | $181,000 |
| Black or African American | 37 | $2,335,000 | $63,000 | $181,000 | $49,000 | $126,000 |
| Hispanic | 19 | $1,292,000 | $68,000 | $207,000 | $54,000 | $242,000 |
| Asian | 6 | $680,000 | $113,000 | $244,000 | $63,000 | $117,000 |
| American Indian or Alaskan Native | 4 | $282,000 | $70,000 | $124,000 | $46,000 | $88,000 |
| 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) | 1,040 | $100,023,000 | $96,000 | $2,463,000 | $73,000 | $1,229,000 |
| FHA-insured (Federal Housing Administration) | 145 | $95,399,000 | $657,000 | $58,201,000 | $41,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $8,152,000 | $91,000 | $1,302,000 | $62,000 | $1,980,000 |
| VA-guaranteed (Veterans Administration) | 51 | $6,163,000 | $120,000 | $253,000 | $55,000 | $148,000 |
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 | 769 | $76,069,000 | $98,000 | $2,463,000 | $75,000 | $1,980,000 |
| Application Denied By Financial Institution | 242 | $20,933,000 | $86,000 | $375,000 | $56,000 | $300,000 |
| Loan Purchased By The Institution | 113 | $91,044,000 | $805,000 | $58,201,000 | $41,000 | $181,000 |
| Application Approved But Not Accepted | 85 | $9,596,000 | $112,000 | $320,000 | $83,000 | $360,000 |
| Application Withdrawn By Applicant | 80 | $8,277,000 | $103,000 | $600,000 | $58,000 | $194,000 |
| File Closed For Incompleteness | 36 | $3,818,000 | $106,000 | $291,000 | $70,000 | $219,000 |
| 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 | 58 | $3,459,000 | $59,000 | $320,000 | $56,000 | $300,000 |
| Collateral | 46 | $4,716,000 | $102,000 | $375,000 | $64,000 | $219,000 |
| Debt-To-Income Ratio | 24 | $2,507,000 | $104,000 | $310,000 | $50,000 | $140,000 |
| Other | 12 | $726,000 | $60,000 | $128,000 | $66,000 | $108,000 |
| Credit Application Incomplete | 7 | $836,000 | $119,000 | $266,000 | $59,000 | $115,000 |
| Unverifiable Information | 4 | $181,000 | $45,000 | $82,000 | $33,000 | $67,000 |
| Employment History | 3 | $289,000 | $96,000 | $145,000 | $72,000 | $75,000 |
| 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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