Taos County, NM Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,255 mortgage applications in Taos County, NM totaling $246.9 million, up 11% from 2015. The average application was for $196,000, and applicants reported an average income of $91,000. 41% of applications resulted in an originated loan and 30% were denied. The most active lender was Flagstar Bank NA, with 103 applications, followed by Wells Fargo Bank NA and loanDepot.com LLC.

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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 1,255
Total Mortgage Loan Application Amount $246,883,000
Average Mortgage Loan Application Amount $196,000
Highest Mortgage Loan Application Amount $4,800,000
Average Applicant Income $91,000
Highest Applicant Income $1,660,000

Mortgage Company List for Lending in Taos County, NM for 2016

* 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
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 103 $ 24,485,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 100 $ 22,845,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 100 $ 20,307,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 60 $ 4,598,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 57 $ 11,226,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 48 $ 4,505,000
Nusenda Federal Credit Union
PO BOX 8530
ALBUQUERQUE, NM 87107
* $ 1,692,748,000 43 $ 5,477,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 31 $ 5,011,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 29 $ 10,510,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 27 $ 5,113,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 25 $ 5,534,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 23 $ 5,663,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 21 $ 3,931,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 19 $ 3,698,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 17 $ 3,291,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,565,602,000 16 $ 3,535,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 16 $ 2,371,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 15 $ 2,356,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 15 $ 3,326,000
First Mortgage Company, L.L.C.
6701 NORTH BROADWAY, SUITE 400
OKLAHOMA CITY, OK 73116
* $ 28,000,000 15 $ 3,256,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 14 $ 3,350,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 14 $ 3,483,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 13 $ 2,726,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 13 $ 1,571,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 13 $ 3,506,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 13 $ 880,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 12 $ 2,020,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 10 $ 2,072,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 9 $ 1,264,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 8 $ 543,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,929,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 8 $ 1,538,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 7 $ 1,471,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 7 $ 1,218,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 6 $ 1,085,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 1,613,000
Loanstar Home Loans, LLC dba Loanstar Home Lending
9020 SW WASHINGTON SQUARE RD SUITE 350
PORTLAND, OR 97223
* $ 59,259,000 6 $ 1,660,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 6 $ 1,013,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 6 $ 1,075,000
Century Bank
PO BOX 1507
SANTA FE, NM 87504
* $ 739,557,000 6 $ 433,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 6 $ 764,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 6 $ 1,395,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 6 $ 1,457,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 781,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 5 $ 1,549,000
Guadalupe Credit Union
3601 MIMBRES LANE
SANTA FE, NM 87507
* $ 139,639,000 5 $ 554,000
Happy State Bank
701 S TAYLOR, LB 120
AMARILLO, TX 79101
* $ 2,849,770,000 5 $ 1,115,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 5 $ 1,200,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 608,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 772,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 4 $ 848,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 800,000
Los Alamos National Bank
1200 TRINITY DR.
LOS ALAMOS, NM 87544
* $ 1,392,093,000 4 $ 1,268,000
Del Norte Credit Union
PO BOX 1180
LOS ALAMOS, NM 87544
* $ 513,201,000 4 $ 503,000
Primewest Mortgage Corporation
7806 INDIANA AVENUE
LUBBOCK, TX 79423
* $ 10,000,000 4 $ 946,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 4 $ 470,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 4 $ 359,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 783,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 849,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 3 $ 1,191,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 3 $ 465,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 432,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 576,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 3 $ 699,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 3 $ 537,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 3 $ 647,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 3 $ 774,000
State Employees Credit Union
813 ST. MICHAELS DR.
SANTA FE, NM 87505
* $ 426,491,000 3 $ 400,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 3 $ 81,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,617,322,000 3 $ 441,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 457,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 3 $ 338,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 514,000
Sandia Area Federal Credit Uni
PO BOX 18044
ALBUQUERQUE, NM 87185
* $ 570,310,000 3 $ 350,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 5,077,887,000 2 $ 733,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 595,000
Northstar Bank of Texas
400 N CARROLL BLVD
DENTON, TX 76201
* $ 1,707,173,000 2 $ 533,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 442,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 281,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 2 $ 22,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 2 $ 340,000
Bank 34
500 EAST TENTH STREET
ALAMOGORDO, NM 88310
* $ 271,624,000 2 $ 460,000
Sre Mortgage Alliance Inc.
2245 CAMPUS DRIVE
EL SEGUNDO, CA 90245
* $ 1,000,000 2 $ 616,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 459,125,000 2 $ 227,000
First Financial Credit Union
601 TIJERAS NW
ALBUQUERQUE, NM 87102
* $ 491,504,000 2 $ 369,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 2 $ 465,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 227,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 2 $ 121,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 2,748,259,000 2 $ 631,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 2 $ 365,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 3,272,942,000 1 $ 66,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 729,014,000 1 $ 236,000
BNC National Bank

BISMARCK, ND 58501
* $ 903,318,000 1 $ 233,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 1 $ 1,000,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 15,972,565,000 1 $ 760,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 52,653,111,000 1 $ 454,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 111,306,727,000 1 $ 607,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 8,673,604,000 1 $ 120,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 784,567,000 1 $ 11,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 214,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 250,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 289,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 194,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 196,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 160,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 328,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 6,642,171,000 1 $ 461,000
Frazer Bank
110 E BROADWAY
ALTUS, OK 73521
* $ 305,306,000 1 $ 210,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 183,138,215,000 1 $ 180,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 141,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 110,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 104,121,677,000 1 $ 128,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 95,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,694,047,000 1 $ 555,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 19,460,442,000 1 $ 484,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 1 $ 119,000
Kirtland Federal Credit Union
6440 GIBSON BLVD SE
ALBUQUERQUE, NM 87108
* $ 746,138,000 1 $ 230,000
Legacy Bank
101 W MAIN
HINTON, OK 73047
* $ 436,497,000 1 $ 350,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 3,153,899,000 1 $ 67,000
Interbank
4921 NORTH MAY AVENUE
OKLAHOMA CITY, OK 73112
* $ 2,903,698,000 1 $ 417,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 85,426,845,000 1 $ 699,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 75,743,098,000 1 $ 232,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 22,025,607,000 1 $ 413,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 1,251,539,000 1 $ 119,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 4,216,262,000 1 $ 400,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,502,221,000 1 $ 294,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 97,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ 45,240,000 1 $ 229,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 513,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 157,000
North Dallas Bank & Trust Co.
12900 PRESTON RD
DALLAS, TX 75230
* $ 1,352,285,000 1 $ 35,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 8,649,723,000 1 $ 129,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 1,702,243,000 1 $ 90,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 134,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 82,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 128,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 250,000
Liberty Bank
860 AIRPORT FREEWAY STE 100
HURST, TX 76054
* $ 421,265,000 1 $ 585,000
Rcb Bank
PO BOX 189
CLAREMORE, OK 74018
* $ 2,494,748,000 1 $ 330,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 119,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 230,000
Legacy Mortgage LLC
6725 ACADEMY ROAD NE
ALBUQUERQUE, NM 87109
* $ 1,000,000,000 1 $ 132,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 1,813,634,000 1 $ 605,000
Farmers & Stockmens Bank
22 MAPLE STREET
CLAYTON, NM 88415
* $ 203,731,000 1 $ 135,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 227,000
Amarillo National Bank
410 S TAYLOR STREET
AMARILLO, TX 79101
* $ 3,822,327,000 1 $ 301,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ 10,000,000 1 $ 157,000
Southwest Capital Bank
1410 CENTRAL AVENUE SW , PO BOX 25127
ALBUQUERQUE, NM 87104
* $ 338,601,000 1 $ 51,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 134,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 119,000
Centennial Lending, LLC
4112 KODIAK COURT, UNIT D
FIRESTONE, CO 80504
* $ 3,406,000,000 1 $ 389,000

The tables below break down 2016 mortgage applications in Taos County, NM by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Taos County, NM in 2016

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 688 $144,116,000 $209,000 $4,800,000 $78,000 $881,000
Home Purchase 490 $94,094,000 $192,000 $760,000 $109,000 $1,660,000
Home Improvement 77 $8,673,000 $112,000 $607,000 $94,000 $1,584,000

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 663 $143,212,000 $216,000 $1,000,000 $118,000 $1,660,000
Hispanic 374 $58,308,000 $155,000 $630,000 $55,000 $420,000
Not Provided 148 $27,468,000 $185,000 $750,000 $90,000 $1,130,000
Not applicable 43 $13,785,000 $320,000 $4,800,000 $8,000 $79,000
American Indian or Alaskan Native 17 $2,145,000 $126,000 $298,000 $61,000 $300,000
Asian 7 $1,427,000 $203,000 $263,000 $135,000 $268,000
Black or African American 3 $538,000 $179,000 $258,000 $87,000 $108,000
Native Hawaiin 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) 1,001 $195,463,000 $195,000 $4,800,000 $104,000 $1,660,000
FHA-insured (Federal Housing Administration) 133 $21,462,000 $161,000 $362,000 $38,000 $349,000
VA-guaranteed (Veterans Administration) 104 $27,051,000 $260,000 $572,000 $52,000 $225,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 17 $2,907,000 $171,000 $283,000 $36,000 $65,000

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 513 $104,235,000 $203,000 $760,000 $115,000 $1,660,000
Application Denied By Financial Institution 380 $68,257,000 $179,000 $1,000,000 $73,000 $1,130,000
Application Withdrawn By Applicant 145 $30,521,000 $210,000 $630,000 $101,000 $1,584,000
File Closed For Incompleteness 93 $13,144,000 $141,000 $417,000 $57,000 $319,000
Loan Purchased By The Institution 74 $16,104,000 $217,000 $607,000 $38,000 $214,000
Application Approved But Not Accepted 50 $14,622,000 $292,000 $4,800,000 $94,000 $780,000
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
Collateral 46 $10,037,000 $218,000 $1,000,000 $127,000 $1,130,000
Debt-To-Income Ratio 41 $11,095,000 $270,000 $750,000 $74,000 $223,000
Credit History 30 $3,515,000 $117,000 $316,000 $57,000 $258,000
Credit Application Incomplete 29 $5,613,000 $193,000 $733,000 $98,000 $782,000
Other 19 $3,867,000 $203,000 $647,000 $73,000 $258,000
Unverifiable Information 5 $1,301,000 $260,000 $420,000 $89,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 4 $559,000 $139,000 $209,000 $141,000 $349,000
Employment History 1 $410,000 $410,000 $410,000 $129,000 $129,000
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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