Stone County, MS Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 1,045 mortgage applications in Stone County, MS totaling $82.2 million. The average application was for $78,000, and applicants reported an average income of $46,000. 41% of applications resulted in an originated loan and 26% were denied. The most active lender was Countrywide Home Loans, with 103 applications, followed by Ameriquest Mortgage Company and Hancock 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 | 1,045 |
| Total Mortgage Loan Application Amount | $82,167,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $768,000 |
* 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 |
|---|---|---|---|---|
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 103 | $ 9,120,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 63 | $ 5,641,000 |
| Hancock Bank ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 2,430,480,000 | 63 | $ 2,949,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 46 | $ 4,191,000 |
| The Peoples Bank 152 LAMEUSE ST BILOXI, MS 39530 |
* | $ 548,740,000 | 37 | $ 1,827,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 34 | $ 2,149,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 34 | $ 3,010,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 775,879,000 | 31 | $ 2,485,000 |
| Bancorpsouth Bank P O BOX 789 TUPELO, MS 38802 |
* | $ 10,190,173,000 | 31 | $ 3,023,000 |
| Hancock Mortgage Corp ONE HANCOCK PLAZA GULFPORT, MS 39501 |
* | $ 1,295,039,000 | 29 | $ 3,124,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 27 | $ 2,107,000 |
| Trustmark National Bank PO BOX 291 JACKSON, MS 39205 |
* | $ 6,983,369,000 | 27 | $ 2,361,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 901,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 22 | $ 2,134,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 21 | $ 997,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 19 | $ 1,648,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 18 | $ 1,248,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 18 | $ 1,222,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 15 | $ 1,164,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 15 | $ 875,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 14 | $ 458,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 13 | $ 898,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 13 | $ 858,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 11 | $ 772,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 11 | $ 881,000 |
| Grand Bank for Saving, Sfsb 204 WESTOVER DRIVE HATTIESBURG, MS 39402 |
* | $ 44,981,000 | 11 | $ 712,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 11 | $ 1,327,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 10 | $ 812,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 10 | $ 672,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 10 | $ 541,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 9 | $ 766,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 9 | $ 802,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,448,525,000 | 8 | $ 836,000 |
| First Choice Funding, Inc. 2100 RIVERCHASE CENTER STE 100 BIRMINGHAM, AL 35244 |
* | $ 10,000,000 | 7 | $ 506,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 7 | $ 282,000 |
| Central Bank for Savings 409 SUMMIT STREET WINONA, MS 38967 |
* | $ 38,000,000,000 | 7 | $ 667,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 7 | $ 701,000 |
| Wells Fargo Fin'l Mississippi 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 18,988,174,000 | 7 | $ 424,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 6 | $ 435,000 |
| People's Choice Financial Corp 7515 IRVINE CENTER DR. IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 752,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 622,000 |
| Realty Mortgage 215 KATHERINE DR. FLOWOOD, MS 39232 |
* | $ 10,000,000 | 6 | $ 626,000 |
| South Trust Bank 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 5 | $ 605,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 5 | $ 328,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,316,308,000 | 5 | $ 542,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 5 | $ 404,000 |
| Dryades Savings Bank, F.S.B. 233 CARONDELET NEW ORLEANS, LA 70130 |
* | $ 123,349,000 | 5 | $ 390,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 664,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 4 | $ 214,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 4 | $ 527,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 17,342,936,000 | 4 | $ 365,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 40,569,048,000 | 4 | $ 336,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 4 | $ 483,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 4 | $ 400,000 |
| South Trust Mortgage 1 METROPLEX DR, SUITE 500 HOMEWOOD, AL 35209 |
* | $ 50,569,489,000 | 4 | $ 442,000 |
| Whitney National Bank 400 LABARRE ROAD, 3RD FLOOR JEFFERSON, LA 70121 |
* | $ 7,127,712,000 | 4 | $ 215,000 |
| Standard Mortgage Corporation 701 POYDRAS ST 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 3 | $ 308,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 44,835,341,000 | 3 | $ 304,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 12,348,756,000 | 3 | $ 178,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 142,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 3 | $ 332,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 3 | $ 107,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 3 | $ 376,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 3 | $ 406,000 |
| BNC Mortgage 1901 MAIN ST IRVINE, CA 92614 |
* | $ 10,000,000 | 3 | $ 359,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 3 | $ 360,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 3 | $ 258,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 3 | $ 323,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 3 | $ 260,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 23,392,515,000 | 3 | $ 96,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 167,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 2 | $ 282,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 2 | $ 102,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Associates Housing Finance 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 1,097,190,000,000 | 2 | $ 63,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Nexstar Financial Corporation 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 135,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 2 | $ 213,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 2 | $ 312,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 183,712,000,000 | 2 | $ 61,000 |
| Wright Experss Fsc 3995 SOUTH 700 EAST, SUITE 450 SALT LAKE CITY, UT 84107 |
* | $ 253,533,000 | 1 | $ 58,000 |
| The Cit Group/Sales Financing, 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,090,407,000 | 1 | $ 26,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 57,000 |
| United Financial Mortgage Corp 815 COMMERCE DR., STE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 1,943,893,000 | 1 | $ 40,000 |
| Transland Financial Services 2701 MAITLAND CENTER PARKWAY, STE 300 MAITLAND, FL 32751 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Msdw Credit Corporation 2500 LAKE COOK RD RIVERWOODS, IL 60015 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 53,000 |
| Platinum Community Bank 2915 KIRCHOFF RD ROLLING MEADOWS, IL 60008 |
* | $ 141,333,000 | 1 | $ 46,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 1 | $ 96,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 62,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Alliance Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 192,000 |
| Castle Mortgage Corporation 701 MONTGOMERY HWY SOUTH SUITE 203 VESTAVIA HILLS, AL 35216 |
* | $ 10,000,000 | 1 | $ 86,000 |
| E*Trade Bank 671 NORTH GLEBE RD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 17,039,747,000 | 1 | $ 73,000 |
| Eastern Savings Bank, FSB EXEC PLAZA II - 11350 MCCORMICK RD HUNT VALLEY, MD 21031 |
* | $ 652,011,000 | 1 | $ 228,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 635,818,000 | 1 | $ 53,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 117,676,000 | 1 | $ 182,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Sunbelt Federal Credit Union 1506 CONGRESS ST HATTIESBURG, MS 39402 |
* | $ 74,680,000 | 1 | $ 45,000 |
| Champion Enterprise 10801 MASTIN DRIVE OVERLAND PARK, KS 66210 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 23,205,467,000 | 1 | $ 54,000 |
| Loancity 5671 SANTA TERESA BOULEVARD SAN JOSE, CA 95123 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 1 | $ 33,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 82,000 |
| HSBC Mortgage Corporation ONE HSBC CENTER BUFFALO, NY 14203 |
* | $ 86,415,769,000 | 1 | $ 61,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Homebound Mortgage 150 WATER TOWER CIR COLCHESTER, VT 05446 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 21,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 1 | $ 30,000 |
| Fleet National Bank 525 N TRYON ST NC1-023-06-04 CHARLOTTE, NC 28255 |
* | $ 179,362,000,000 | 1 | $ 25,000 |
| First Federal Savings & Loan 903 JACKSON AVENUE PASCAGOULA, MS 39567 |
* | $ 227,652,000 | 1 | $ 45,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 100,000 |
| First National Bank USA P O BOX 508, 13386 HWY 90 BOUTTE, LA 70039 |
* | $ 108,162,000 | 1 | $ 30,000 |
The tables below break down 2003 mortgage applications in Stone County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Stone County, MS in 2003
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 (home purchase or home improvement, one-to-four family) | 724 | $63,187,000 | $87,000 | $435,000 | $46,000 | $723,000 |
| Home Purchase (one-to-four family) | 263 | $18,003,000 | $68,000 | $220,000 | $45,000 | $768,000 |
| Home Improvement (one-to-four family) | 58 | $977,000 | $16,000 | $101,000 | $45,000 | $120,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 684 | $54,101,000 | $79,000 | $354,000 | $50,000 | $768,000 |
| Information not provided by applicant in mail or telephone application | 208 | $15,979,000 | $76,000 | $435,000 | $44,000 | $723,000 |
| Black | 94 | $7,041,000 | $74,000 | $280,000 | $38,000 | $204,000 |
| Not applicable | 39 | $3,345,000 | $85,000 | $390,000 | $11,000 | $68,000 |
| Hispanic | 8 | $766,000 | $95,000 | $150,000 | $57,000 | $115,000 |
| Other | 7 | $656,000 | $93,000 | $160,000 | $88,000 | $240,000 |
| American Indian or Alaskan Native | 4 | $208,000 | $52,000 | $95,000 | $46,000 | $100,000 |
| Asian or Pacific Islander | 1 | $71,000 | $71,000 | $71,000 | $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) | 967 | $75,290,000 | $77,000 | $435,000 | $48,000 | $768,000 |
| VA-guaranteed (Veterans Administration) | 36 | $3,235,000 | $89,000 | $177,000 | $24,000 | $76,000 |
| FHA-insured (Federal Housing Administration) | 32 | $2,933,000 | $91,000 | $156,000 | $38,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $709,000 | $70,000 | $127,000 | $27,000 | $50,000 |
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 | 429 | $35,793,000 | $83,000 | $435,000 | $47,000 | $385,000 |
| Application Denied By Financial Institution | 269 | $18,371,000 | $68,000 | $280,000 | $48,000 | $768,000 |
| Application Withdrawn By Applicant | 129 | $10,841,000 | $84,000 | $217,000 | $51,000 | $723,000 |
| Loan Purchased By The Institution | 122 | $10,038,000 | $82,000 | $300,000 | $28,000 | $102,000 |
| Application Approved But Not Accepted | 71 | $5,219,000 | $73,000 | $235,000 | $50,000 | $420,000 |
| File Closed For Incompleteness | 25 | $1,905,000 | $76,000 | $176,000 | $45,000 | $85,000 |
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 | 83 | $5,090,000 | $61,000 | $235,000 | $59,000 | $768,000 |
| Other | 40 | $3,638,000 | $90,000 | $280,000 | $50,000 | $294,000 |
| Collateral | 23 | $2,289,000 | $99,000 | $270,000 | $46,000 | $89,000 |
| Debt-To-Income Ratio | 22 | $1,781,000 | $80,000 | $192,000 | $43,000 | $162,000 |
| Credit Application Incomplete | 17 | $1,262,000 | $74,000 | $124,000 | $45,000 | $120,000 |
| Unverifiable Information | 3 | $176,000 | $58,000 | $78,000 | $20,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $110,000 | $55,000 | $56,000 | $21,000 | $30,000 |
| Employment History | 1 | $106,000 | $106,000 | $106,000 | $45,000 | $45,000 |
| 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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