Sumner County, KS Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 793 mortgage applications in Sumner County, KS totaling $74.1 million, down 3% from 2014. The average application was for $93,000, and applicants reported an average income of $59,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was Fidelity Bank, with 48 applications, followed by Wells Fargo Bank NA and The Valley State 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 | 793 |
| Total Mortgage Loan Application Amount | $74,125,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $530,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $820,000 |
* 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 |
|---|---|---|---|---|
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 48 | $ 5,589,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 41 | $ 3,947,000 |
| The Valley State Bank 502 N MERCHANT BELLE PLAINE, KS 67013 |
* | $ 127,375,000 | 40 | $ 2,336,000 |
| Panhadle Federal Credit Union 403 NORTH WASHINGTON WELLINGTON, KS 67152 |
* | $ 52,051,000 | 33 | $ 2,228,000 |
| Bank of Commerce and Trust Company 201 W HARVEY WELLINGTON, KS 67152 |
* | $ 57,120,000 | 32 | $ 1,656,000 |
| Impact Bank 206 EAST HARVEY WELLINGTON, KS 67152 |
* | $ 138,181,000 | 29 | $ 1,625,000 |
| Intrust Bank, NA 105 N MAIN ST WICHITA, KS 67202 |
* | $ 4,950,396,000 | 21 | $ 956,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 19 | $ 1,827,000 |
| Meritrust Federal Credit Union 8710 E 32ND ST NORTH WICHITA, KS 67202 |
* | $ 950,214,000 | 18 | $ 1,399,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 17 | $ 1,973,000 |
| Skyward Credit Union 4 CESSNA BLVD WICHITA, KS 67215 |
* | $ 239,109,000 | 16 | $ 991,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 15 | $ 1,841,000 |
| The Stock Exchange Bank, Caldwell, Kansas 103 S. MAIN ST., P.O. BOX 273 CALDWELL, KS 67022 |
* | $ 49,338,000 | 13 | $ 851,000 |
| Vintage Bank Kansas 101 S MAIN LEON, KS 67074 |
* | $ 53,919,000 | 13 | $ 1,139,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 13 | $ 1,320,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 12 | $ 1,536,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 1,258,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 596,652,000 | 11 | $ 914,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 11 | $ 1,065,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ 1,000,000,000 | 11 | $ 1,376,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,117,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,508,881,000 | 10 | $ 817,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 9 | $ 1,181,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 9 | $ 624,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 9 | $ 1,088,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ 100,000,000 | 9 | $ 883,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 8 | $ 790,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ 10,000,000 | 8 | $ 861,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 8 | $ 576,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 7 | $ 1,030,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 7 | $ 1,427,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 7 | $ 963,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,070,573,000 | 7 | $ 1,484,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 508,000 |
| Wichita Federal Credit Union 9835 E 21ST ST N WICHITA, KS 67206 |
* | $ 89,329,000 | 6 | $ 503,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 6 | $ 470,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 533,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 618,000 |
| Carson Bank 122 W MAIN PO BOX 158 MULVANE, KS 67110 |
* | $ 99,643,000 | 5 | $ 97,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 5 | $ 108,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 5 | $ 555,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 5 | $ 549,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 203,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 5 | $ 533,000 |
| Regent Financial Group 1910 S 72ND STREET, STE. 103 OMAHA, NE 68135 |
* | $ 0 | 5 | $ 671,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,291,449,000 | 5 | $ 603,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 5 | $ 397,000 |
| Mid American Credit Union 8404 W. KELLOGG DR. WICHITA, KS 67209 |
* | $ 239,147,000 | 4 | $ 338,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 4 | $ 502,000 |
| Citizens Bank of Kansas 300 N MAIN ST KINGMAN, KS 67068 |
* | $ 236,364,000 | 4 | $ 309,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 4 | $ 245,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 188,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 71,682,343,000 | 4 | $ 373,000 |
| Legacy Bank 3711 N RIDGE RD WICHITA, KS 67205 |
* | $ 296,346,000 | 4 | $ 355,000 |
| Community National Bank & Trust 14 N LINCOLN CHANUTE, KS 66720 |
* | $ 890,871,000 | 4 | $ 216,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 4 | $ 506,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 4 | $ 707,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,148,005,000 | 3 | $ 370,000 |
| Conway Bank, NA 121 E KELLOGG WICHITA, KS 67202 |
* | $ 59,708,000 | 3 | $ 300,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 23,881,169,000 | 3 | $ 303,000 |
| Cornerbank 900 MAIN ST - PO BOX 545 WINFIELD, KS 67156 |
* | $ 286,088,000 | 3 | $ 475,000 |
| Security State Bank 101 N WASHINGTON WELLINGTON, KS 67152 |
* | $ 64,481,000 | 3 | $ 89,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 399,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 3 | $ 286,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,425,574,000 | 3 | $ 599,000 |
| Rose Hill Bank 107 N ROSE HILL RD ROSE HILL, KS 67133 |
* | $ 257,717,000 | 3 | $ 200,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 3 | $ 434,000 |
| Garden Plain State Bank PO BOX 75009 WICHITA, KS 67275 |
* | $ 92,492,000 | 2 | $ 217,000 |
| Universal Lending Corporation 6430 S FIDDLERS GREEN CIR STE 460 GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 2 | $ 173,000 |
| Equity Bank 7701 E KELLOGG STE 100 WICHITA, KS 67207 |
* | $ 1,178,230,000 | 2 | $ 282,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 2 | $ 297,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 171,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 2 | $ 344,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 143,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 371,000 |
| Bank Snb 608 S MAIN STILLWATER, OK 74074 |
* | $ 1,930,320,000 | 2 | $ 256,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 377,710,000 | 2 | $ 203,000 |
| Rcb Bank PO BOX 189 CLAREMORE, OK 74018 |
* | $ 2,442,183,000 | 2 | $ 187,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 83,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 2 | $ 148,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 295,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 2 | $ 43,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 50,000 |
| Southwest National Bank 400 E DOUGLAS WICHITA, KS 67202 |
* | $ 441,679,000 | 2 | $ 142,000 |
| Simmons First National Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 4,633,578,000 | 2 | $ 88,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Kanza Bank 2233 N GREENWICH RD WICHITA, KS 67226 |
* | $ 229,373,000 | 2 | $ 291,000 |
| First United Bank and Trust Company PO BOX 130 DURANT, OK 74702 |
* | $ 2,545,267,000 | 2 | $ 164,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 409,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ 37,000,000 | 2 | $ 188,000 |
| Hometown Equity Mortgage, LLC 25531 COMMERCENTRE DRIVE SUITE 250 LAKE FOREST, CA 92630 |
* | $ 0 | 1 | $ 166,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 282,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 93,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 1 | $ 35,000 |
| Home Bank & Trust Co. 217 N. MAIN EUREKA, KS 67045 |
* | $ 90,310,000 | 1 | $ 94,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 208,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 1 | $ 135,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 133,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ 11,000,000 | 1 | $ 126,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 185,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 122,000 |
| First National Bank of Hutchinson, the PO BOX 913 HUTCHINSON, KS 67504 |
* | $ 621,131,000 | 1 | $ 74,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 1,723,296,000 | 1 | $ 160,000 |
| The Citizens State Bank of Cheney, Kansas PO BOX 509 CHENEY, KS 67025 |
* | $ 57,682,000 | 1 | $ 54,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 68,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 86,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 17,212,558,000 | 1 | $ 54,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 106,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 46,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 1 | $ 139,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 1 | $ 18,000 |
| Crossfirst Bank CHAMPAIGN, IL 61820 |
* | $ 1,216,371,000 | 1 | $ 78,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 125,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Golden Plains Credit Union 1714 EAST KANSAS AVENUE GARDEN CITY, KS 67846 |
* | $ 520,458,000 | 1 | $ 46,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 16,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 143,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 36,000 |
| White Eagle Credit Union 2830 OHIO AUGUSTA, KS 67010 |
* | $ 88,362,000 | 1 | $ 31,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 131,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 9,378,000 | 1 | $ 96,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,052,329,000 | 1 | $ 77,000 |
| Halstead Bank 314 MAIN ST HALSTEAD, KS 67056 |
* | $ 94,079,000 | 1 | $ 52,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 72,000 |
The tables below break down 2015 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 389 | $40,373,000 | $103,000 | $530,000 | $56,000 | $820,000 |
| Refinancing | 311 | $30,278,000 | $97,000 | $345,000 | $59,000 | $279,000 |
| Home Improvement | 93 | $3,474,000 | $37,000 | $225,000 | $70,000 | $257,000 |
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 | 616 | $56,525,000 | $91,000 | $530,000 | $67,000 | $820,000 |
| Not applicable | 104 | $11,308,000 | $108,000 | $335,000 | $4,000 | $145,000 |
| Not Provided | 39 | $3,338,000 | $85,000 | $186,000 | $69,000 | $330,000 |
| Hispanic | 15 | $1,547,000 | $103,000 | $190,000 | $56,000 | $153,000 |
| American Indian or Alaskan Native | 9 | $710,000 | $78,000 | $116,000 | $55,000 | $135,000 |
| Black or African American | 5 | $307,000 | $61,000 | $98,000 | $73,000 | $123,000 |
| Asian | 4 | $269,000 | $67,000 | $78,000 | $36,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $121,000 | $121,000 | $121,000 | $43,000 | $43,000 |
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) | 510 | $43,122,000 | $84,000 | $530,000 | $70,000 | $820,000 |
| FHA-insured (Federal Housing Administration) | 181 | $18,276,000 | $100,000 | $276,000 | $35,000 | $145,000 |
| VA-guaranteed (Veterans Administration) | 68 | $9,675,000 | $142,000 | $335,000 | $49,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $3,052,000 | $89,000 | $144,000 | $31,000 | $74,000 |
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 | 461 | $41,013,000 | $88,000 | $452,000 | $69,000 | $820,000 |
| Application Denied By Financial Institution | 129 | $11,859,000 | $91,000 | $530,000 | $57,000 | $279,000 |
| Loan Purchased By The Institution | 102 | $11,258,000 | $110,000 | $335,000 | $11,000 | $145,000 |
| Application Withdrawn By Applicant | 56 | $5,805,000 | $103,000 | $279,000 | $58,000 | $127,000 |
| Application Approved But Not Accepted | 23 | $2,157,000 | $93,000 | $295,000 | $67,000 | $160,000 |
| File Closed For Incompleteness | 22 | $2,033,000 | $92,000 | $233,000 | $66,000 | $162,000 |
| 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 | 28 | $2,155,000 | $76,000 | $189,000 | $58,000 | $170,000 |
| Collateral | 26 | $1,877,000 | $72,000 | $225,000 | $63,000 | $158,000 |
| Debt-To-Income Ratio | 13 | $1,862,000 | $143,000 | $335,000 | $52,000 | $135,000 |
| Credit Application Incomplete | 6 | $664,000 | $110,000 | $199,000 | $57,000 | $120,000 |
| Unverifiable Information | 6 | $805,000 | $134,000 | $530,000 | $65,000 | $180,000 |
| Other | 3 | $241,000 | $80,000 | $147,000 | $18,000 | $22,000 |
| Employment History | 3 | $232,000 | $77,000 | $143,000 | $24,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $366,000 | $122,000 | $138,000 | $89,000 | $138,000 |
| 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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