Sumner County, KS Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 994 mortgage applications in Sumner County, KS totaling $92.1 million, up 4% from 2011. The average application was for $92,000, and applicants reported an average income of $64,000. 58% of applications resulted in an originated loan and 15% were denied. The most active lender was Wells Fargo Bank NA, with 110 applications, followed by The Valley State Bank and Fidelity 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 | 994 |
| Total Mortgage Loan Application Amount | $92,056,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $556,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $1,680,000 |
* 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 |
* | $ 1,161,490,000,000 | 110 | $ 12,063,000 |
| The Valley State Bank 502 N MERCHANT BELLE PLAINE, KS 67013 |
* | $ 121,578,000 | 56 | $ 3,162,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,562,678,000 | 47 | $ 5,006,000 |
| Security State Bank 101 N WASHINGTON WELLINGTON, KS 67152 |
* | $ 55,297,000 | 45 | $ 3,092,000 |
| Bank of Commerce and Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ 53,786,000 | 42 | $ 2,705,000 |
| Panhadle Federal Credit Union 403 NORTH WASHINGTON WELLINGTON, KS 67152 |
* | $ 42,633,000 | 39 | $ 2,148,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 35 | $ 2,992,000 |
| Impact Bank 206 EAST HARVEY WELLINGTON, KS 67152 |
* | $ 89,484,000 | 32 | $ 1,715,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 27 | $ 3,113,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,065,989,000 | 26 | $ 1,832,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,566,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 21 | $ 2,039,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 760,040,000 | 21 | $ 1,714,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,461,858,000 | 19 | $ 1,384,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 16 | $ 1,788,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 15 | $ 1,987,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 62,408,304,000 | 14 | $ 774,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 208,498,000 | 14 | $ 1,779,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 394,264,000 | 13 | $ 1,443,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 12 | $ 837,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 662,437,000 | 12 | $ 1,789,000 |
| Carson Bank 122 W MAIN PO BOX 158 MULVANE, KS 67110 |
* | $ 83,527,000 | 11 | $ 580,000 |
| The Stock Exchange Bank, Caldwell, Kansas 103 S. MAIN ST., P.O. BOX 273 CALDWELL, KS 67022 |
* | $ 41,045,000 | 11 | $ 617,000 |
| Cornerbank, N.A. 900 MAIN ST - PO BOX 545 WINFIELD, KS 67156 |
* | $ 276,837,000 | 10 | $ 872,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 10 | $ 1,043,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 9 | $ 922,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 586,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 8 | $ 1,209,000 |
| Garden Plain State Bank PO BOX 75009 WICHITA, KS 67275 |
* | $ 80,482,000 | 8 | $ 1,540,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 8 | $ 956,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 8 | $ 717,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 7 | $ 630,000 |
| Inland Home Mortgage Company 2225 S WOLF ROAD HILLSIDE, IL 60162 |
* | $ 1,135,000,000 | 7 | $ 737,000 |
| Conway Bank, NA 121 E KELLOGG WICHITA, KS 67202 |
* | $ 71,084,000 | 6 | $ 294,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 766,287,000 | 6 | $ 494,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,167,422,000 | 6 | $ 680,000 |
| Citizens Bank of Kansas, N.A. 300 N MAIN KINGMAN, KS 67068 |
* | $ 226,862,000 | 6 | $ 855,000 |
| First National Bank 206 EAST HARVEY WELLINGTON, KS 67152 |
* | $ 89,484,000 | 6 | $ 238,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 6 | $ 412,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 6 | $ 604,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 451,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 6 | $ 623,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 681,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ 167,673,000 | 6 | $ 757,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 645,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 5 | $ 840,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,331,681,000 | 5 | $ 930,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 263,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 5 | $ 504,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 5 | $ 567,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 387,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 25,359,999,000 | 4 | $ 471,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 4 | $ 348,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 4 | $ 511,000 |
| Quantum Credit Union 6300 W 21ST ST N WICHITA, KS 67205 |
* | $ 63,396,000 | 4 | $ 423,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 4 | $ 512,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 258,133,000 | 3 | $ 582,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 3 | $ 202,000 |
| Verus Bank 1033 N BUCKNER DERBY, KS 67037 |
* | $ 115,765,000 | 3 | $ 180,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 253,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 798,484,000 | 3 | $ 342,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 3 | $ 242,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 369,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 20,493,569,000 | 3 | $ 180,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 290,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 2 | $ 244,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 2 | $ 104,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 2 | $ 37,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 2 | $ 49,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 229,000 |
| Landmark National Bank 701 POYNTZ AVE MANHATTAN, KS 66502 |
* | $ 596,405,000 | 2 | $ 223,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 210,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 463,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 2 | $ 184,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 409,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 291,000 |
| Kanza Bank 2233 N GREENWICH RD WICHITA, KS 67226 |
* | $ 203,086,000 | 2 | $ 354,000 |
| Rose Hill Bank 107 N ROSE HILL RD PO BOX 68 ROSE HILL, KS 67133 |
* | $ 267,326,000 | 2 | $ 116,000 |
| Wichita Federal Credit Union 9835 E 21ST ST N WICHITA, KS 67206 |
* | $ 75,474,000 | 2 | $ 246,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 605,882,000 | 2 | $ 185,000 |
| Central Star Credit Union 9555 CORPORATE HILLS DR WICHITA, KS 67207 |
* | $ 69,054,000 | 2 | $ 50,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 344,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 62,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 115,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 60,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 65,000 |
| Union State Bank of Everest PO BOX 105 EVEREST, KS 66424 |
* | $ 216,869,000 | 1 | $ 121,000 |
| Halstead Bank 314 MAIN ST HALSTEAD, KS 67056 |
* | $ 76,500,000 | 1 | $ 108,000 |
| Great Plains 2306 S RANGE LINE RD JOPLIN, MO 64804 |
* | $ 286,660,000 | 1 | $ 114,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 1 | $ 168,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 84,396,000 | 1 | $ 15,000 |
| First Bank of Newton 128 E BROADWAY NEWTON, KS 67114 |
* | $ 154,353,000 | 1 | $ 50,000 |
| Platte Valley Bank of Missouri PO BOX 1250 PLATTE CITY, MO 64079 |
* | $ 356,670,000 | 1 | $ 40,000 |
| First State Bank & Trust PO BOX 219 TONGANOXIE, KS 66086 |
* | $ 232,769,000 | 1 | $ 294,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 163,495,000 | 1 | $ 123,000 |
| Chisholm Trail State Bank PO BOX 4658 WICHITA, KS 67204 |
* | $ 67,382,000 | 1 | $ 10,000 |
| The Citizens State Bank 201 S CHRISTIAN, PO BOX 110 MOUNDRIDGE, KS 67107 |
* | $ 243,981,000 | 1 | $ 107,000 |
| Andover State Bank 511 N ANDOVER ROAD, P O BOX 278 ANDOVER, KS 67002 |
* | $ 65,169,000 | 1 | $ 34,000 |
| Denison State Bank 421 NEW YORK AVENUE HOLTON, KS 66436 |
* | $ 286,400,000 | 1 | $ 175,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 81,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 224,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 59,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 1 | $ 115,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 1 | $ 188,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 70,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 12,527,568,000 | 1 | $ 6,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 69,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 37,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 117,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 133,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 584,153,000 | 1 | $ 142,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 123,000 |
| Town Center Bank 1938 E. LINCOLN HIGHWAY #101 NEW LENOX, IL 60451 |
* | $ 115,684,000 | 1 | $ 111,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 5,152,186,000 | 1 | $ 123,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 374,787,000 | 1 | $ 120,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,184,743,000 | 1 | $ 128,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 16,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 83,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 101,000 |
| Exchange National Bank & Trust 600 COMMERCIAL, PO BOX 189 ATCHISON, KS 66002 |
* | $ 330,487,000 | 1 | $ 101,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 889,265,000 | 1 | $ 75,000 |
| The Midland National Bank of Newton 527 N MAIN ST NEWTON, KS 67114 |
* | $ 132,168,000 | 1 | $ 63,000 |
| First National Bank of So Ks 6206 N. 247TH STREET W. ANDALE, KS 67001 |
* | $ 61,264,000 | 1 | $ 104,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 1,849,762,000 | 1 | $ 63,000 |
The tables below break down 2012 mortgage applications in Sumner County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Sumner County, KS 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 | 569 | $58,673,000 | $103,000 | $400,000 | $70,000 | $1,680,000 |
| Home Purchase | 340 | $30,137,000 | $88,000 | $556,000 | $52,000 | $171,000 |
| Home Improvement | 85 | $3,246,000 | $38,000 | $225,000 | $69,000 | $210,000 |
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 | 823 | $75,986,000 | $92,000 | $556,000 | $68,000 | $469,000 |
| Not applicable | 84 | $7,352,000 | $87,000 | $325,000 | $14,000 | $113,000 |
| Not Provided | 59 | $5,971,000 | $101,000 | $400,000 | $81,000 | $1,680,000 |
| Hispanic | 20 | $1,713,000 | $85,000 | $235,000 | $57,000 | $134,000 |
| American Indian or Alaskan Native | 3 | $454,000 | $151,000 | $197,000 | $84,000 | $110,000 |
| Black or African American | 3 | $270,000 | $90,000 | $136,000 | $40,000 | $54,000 |
| Asian | 2 | $310,000 | $155,000 | $233,000 | $60,000 | $103,000 |
| 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) | 698 | $60,574,000 | $86,000 | $556,000 | $69,000 | $469,000 |
| FHA-insured (Federal Housing Administration) | 181 | $19,549,000 | $108,000 | $276,000 | $58,000 | $1,680,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $6,384,000 | $89,000 | $270,000 | $42,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 44 | $5,549,000 | $126,000 | $270,000 | $34,000 | $140,000 |
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 | 581 | $52,760,000 | $90,000 | $556,000 | $70,000 | $469,000 |
| Application Denied By Financial Institution | 148 | $12,402,000 | $83,000 | $400,000 | $63,000 | $1,680,000 |
| Loan Purchased By The Institution | 120 | $13,190,000 | $109,000 | $384,000 | $42,000 | $207,000 |
| Application Withdrawn By Applicant | 86 | $8,311,000 | $96,000 | $275,000 | $61,000 | $170,000 |
| Application Approved But Not Accepted | 37 | $3,404,000 | $92,000 | $260,000 | $65,000 | $152,000 |
| File Closed For Incompleteness | 22 | $1,989,000 | $90,000 | $215,000 | $43,000 | $104,000 |
| 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 | 48 | $3,542,000 | $73,000 | $265,000 | $85,000 | $1,680,000 |
| Collateral | 27 | $2,535,000 | $93,000 | $280,000 | $59,000 | $139,000 |
| Debt-To-Income Ratio | 14 | $1,506,000 | $107,000 | $400,000 | $49,000 | $124,000 |
| Credit Application Incomplete | 7 | $591,000 | $84,000 | $183,000 | $51,000 | $119,000 |
| Other | 4 | $399,000 | $99,000 | $171,000 | $56,000 | $120,000 |
| Unverifiable Information | 2 | $305,000 | $152,000 | $224,000 | $64,000 | $89,000 |
| Employment History | 2 | $280,000 | $140,000 | $144,000 | $47,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $102,000 | $51,000 | $67,000 | $70,000 | $100,000 |
| 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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