Stephenson County, IL Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 965 mortgage applications in Stephenson County, IL totaling $94.2 million, up 9% from 2014. The average application was for $97,000, and applicants reported an average income of $63,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Union Savings Bank, with 124 applications, followed by US Bank, N.A. 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 | 965 |
| Total Mortgage Loan Application Amount | $94,181,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,700,000 |
* 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 |
* | $ 153,588,000 | 124 | $ 10,159,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 91 | $ 11,397,000 |
| Northwest Bank of Rockford 3106 N ROCKTON AVE ROCKFORD, IL 61103 |
* | $ 249,099,000 | 72 | $ 6,612,000 |
| Midwest Community Bank 510 PARK CREST DR FREEPORT, IL 61032 |
* | $ 204,238,000 | 56 | $ 4,961,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 37 | $ 3,272,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 34 | $ 3,161,000 |
| Cornerstone Credit Union 550 W. MEADOWS DRIVE FREEPORT, IL 61032 |
* | $ 100,387,000 | 29 | $ 857,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 24 | $ 1,973,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 23 | $ 2,352,000 |
| Alpine Bank & Trust Co. 1700 N ALPINE RD ROCKFORD, IL 61107 |
* | $ 1,161,382,000 | 19 | $ 1,823,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 18 | $ 1,926,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 17 | $ 1,539,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 16 | $ 621,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,529,000 |
| German-American State Bank 100 CHURCH STREET GERMAN VALLEY, IL 61039 |
* | $ 211,461,000 | 15 | $ 2,391,000 |
| Consumer Loan Services, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 14 | $ 1,167,000 |
| Dubuque Bank and Trust Company 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,508,574,000 | 12 | $ 3,033,000 |
| Midland States Bank 1201 NETWORK CENTRE DRIVE EFFINGHAM, IL 62401 |
* | $ 1,790,595,000 | 12 | $ 1,012,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 11 | $ 841,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 10 | $ 787,000 |
| Durand State Bank PO BOX 537 DURAND, IL 61024 |
* | $ 92,650,000 | 9 | $ 825,000 |
| First National Bank and Trust 345 E GRAND AVE BELOIT, WI 53511 |
* | $ 819,613,000 | 8 | $ 584,000 |
| Byron Bank 200 N WALNUT ST BYRON, IL 61010 |
* | $ 225,557,000 | 8 | $ 913,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 8 | $ 520,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 726,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 648,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 7 | $ 611,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 7 | $ 732,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 26,653,631,000 | 6 | $ 491,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 6 | $ 731,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 670,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 6 | $ 812,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 6 | $ 789,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 6 | $ 489,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 6 | $ 558,000 |
| Illinois Bank & Trust 6855 E RIVERSIDE BLVD ROCKFORD, IL 61114 |
* | $ 486,919,000 | 5 | $ 351,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 1,090,048,000 | 5 | $ 447,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 692,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 5 | $ 268,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 5 | $ 570,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,496,905,000 | 4 | $ 245,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 4 | $ 300,000 |
| Holcomb Bank 108 W MAIN ST ROCHELLE, IL 61068 |
* | $ 187,930,000 | 4 | $ 384,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 428,000 |
| Woodford State Bank 403 WEST 8TH STREET, PO BOX 766 MONROE, WI 53566 |
* | $ 185,162,000 | 4 | $ 264,000 |
| Blackhawk Bank 400 BROAD ST. BELOIT, WI 53511 |
* | $ 581,000,000 | 4 | $ 453,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 966,000 |
| Stillman Banccorp NA 101 E. MAIN STREET P.O. BOX 150 STILLMAN VALLEY, IL 61084 |
* | $ 420,067,000 | 4 | $ 352,000 |
| The Bank of New Glarus 501 FIRST STREET PO BOX 129 NEW GLARUS, WI 53574 |
* | $ 235,576,000 | 4 | $ 405,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ 1,262,445,000 | 3 | $ 122,000 |
| Anchorbank FSB 25 WEST MAIN STREET MADISON, WI 53703 |
* | $ 2,082,246,000 | 3 | $ 398,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 274,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 3 | $ 200,000 |
| National Asset Mortgage, LLC 4350 ST. ANDREWS RD.; SUITE F COLUMBIA, SC 29210 |
* | $ 3,392,190,000 | 3 | $ 97,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 273,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 499,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 3 | $ 412,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 176,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 605,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 234,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 172,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 329,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 2 | $ 270,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 2 | $ 176,000 |
| Wisconsin Bank & Trust 119 JUNCTION RD MADISON, WI 53717 |
* | $ 650,658,000 | 2 | $ 63,000 |
| The Bank of Brodhead 806 E EXCHANGE ST. BRODHEAD, WI 53520 |
* | $ 142,494,000 | 2 | $ 212,000 |
| First Northern Credit Union 230 W MONROE, SUITE 2850 CHICAGO, IL 60606 |
* | $ 307,932,000 | 2 | $ 143,000 |
| Illini Bank 3200 W. ILES AVENUE SPRINGFIELD, IL 62711 |
* | $ 291,766,000 | 2 | $ 156,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,425,574,000 | 2 | $ 314,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 258,204,000 | 2 | $ 26,000 |
| Andigo Credit Union 1501 E WOODFIELD RD SCHAUMBURG, IL 60173 |
* | $ 858,176,000 | 2 | $ 212,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 93,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 166,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 106,000 |
| Illinois State Police Federal Credit Union 730 ENGINEERING AVE. SPRINGFIELD, IL 62703 |
* | $ 92,786,000 | 1 | $ 101,000 |
| Iaa Credit Union 808 IAA DRIVE BLOOMINGTON, IL 61701 |
* | $ 205,241,000 | 1 | $ 276,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 184,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 110,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 151,000 |
| The National Bank & Trust Comp 230 W STATE ST SYCAMORE, IL 60178 |
* | $ 611,446,000 | 1 | $ 175,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 377,710,000 | 1 | $ 164,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 148,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 284,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 58,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 313,000 |
| Thompson Kane & Company, Inc 8020 EXCELSIOR DRIVE SUITE 401 MADISON, WI 53717 |
* | $ 4,262,000 | 1 | $ 315,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 206,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 110,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 79,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 50,000 |
| First American Bank 80 STRATFORD DRIVE ELK GROVE VILLAGE, IL 60007 |
* | $ 3,407,081,000 | 1 | $ 20,000 |
| Standard Bank and Trust Co. 7800 W 95TH ST HICKORY HILLS, IL 60457 |
* | $ 2,287,197,000 | 1 | $ 74,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 163,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 94,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 869,784,000 | 1 | $ 29,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 100,000 |
| Fortress Bank 9000 N. KNOXVILLE AVENUE PEORIA, IL 61615 |
* | $ 311,754,000 | 1 | $ 105,000 |
| Resource Bank, National Association 555 BETHANY ROAD DEKALB, IL 60115 |
* | $ 381,921,000 | 1 | $ 58,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 91,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 137,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 378,840,000 | 1 | $ 109,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 25,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 40,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 70,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 1 | $ 49,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 30,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 193,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 487,730,000 | 1 | $ 127,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 158,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 1 | $ 15,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 1 | $ 80,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 17,377,985,000 | 1 | $ 153,000 |
The tables below break down 2015 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 2015
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 | 461 | $47,560,000 | $103,000 | $1,500,000 | $69,000 | $1,700,000 |
| Home Purchase | 425 | $38,619,000 | $90,000 | $315,000 | $56,000 | $495,000 |
| Home Improvement | 79 | $8,002,000 | $101,000 | $5,000,000 | $71,000 | $907,000 |
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 | 775 | $73,700,000 | $95,000 | $1,500,000 | $70,000 | $1,700,000 |
| Not applicable | 85 | $12,497,000 | $147,000 | $5,000,000 | $14,000 | $467,000 |
| Not Provided | 53 | $4,301,000 | $81,000 | $296,000 | $71,000 | $300,000 |
| Black or African American | 30 | $1,843,000 | $61,000 | $184,000 | $36,000 | $118,000 |
| Hispanic | 17 | $1,432,000 | $84,000 | $158,000 | $64,000 | $139,000 |
| American Indian or Alaskan Native | 2 | $195,000 | $97,000 | $158,000 | $49,000 | $71,000 |
| Asian | 2 | $128,000 | $64,000 | $122,000 | $46,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $85,000 | $85,000 | $85,000 | $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) | 650 | $62,788,000 | $96,000 | $5,000,000 | $74,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) | 170 | $17,207,000 | $101,000 | $231,000 | $40,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $5,518,000 | $72,000 | $128,000 | $31,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 69 | $8,668,000 | $125,000 | $327,000 | $59,000 | $280,000 |
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 | 524 | $50,901,000 | $97,000 | $1,500,000 | $71,000 | $1,700,000 |
| Application Denied By Financial Institution | 197 | $14,561,000 | $73,000 | $284,000 | $56,000 | $907,000 |
| Loan Purchased By The Institution | 116 | $10,933,000 | $94,000 | $315,000 | $28,000 | $467,000 |
| Application Withdrawn By Applicant | 66 | $11,514,000 | $174,000 | $5,000,000 | $73,000 | $278,000 |
| File Closed For Incompleteness | 36 | $3,630,000 | $100,000 | $327,000 | $58,000 | $280,000 |
| Application Approved But Not Accepted | 26 | $2,642,000 | $101,000 | $317,000 | $105,000 | $391,000 |
| 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 | 38 | $1,752,000 | $46,000 | $132,000 | $77,000 | $907,000 |
| Collateral | 30 | $2,459,000 | $81,000 | $162,000 | $64,000 | $169,000 |
| Debt-To-Income Ratio | 24 | $1,616,000 | $67,000 | $208,000 | $45,000 | $140,000 |
| Other | 15 | $982,000 | $65,000 | $175,000 | $50,000 | $97,000 |
| Credit Application Incomplete | 14 | $1,444,000 | $103,000 | $154,000 | $62,000 | $133,000 |
| Unverifiable Information | 7 | $469,000 | $67,000 | $170,000 | $50,000 | $92,000 |
| Employment History | 4 | $194,000 | $48,000 | $77,000 | $48,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $372,000 | $124,000 | $209,000 | $70,000 | $115,000 |
| 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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