Teton County, ID Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 962 mortgage applications in Teton County, ID totaling $541.4 million, up 42% from 2024. The average application was for $562,000, and applicants reported an average income of $281,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was Zions Bancorporation, N.A., with 108 applications, followed by US Bank, N.A. and Idaho Central Credit Union.

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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 962
Total Mortgage Loan Application Amount $541,410,000
Average Mortgage Loan Application Amount $562,000
Highest Mortgage Loan Application Amount $6,185,000
Average Applicant Income $281,000
Highest Applicant Income $3,869,000

Mortgage Company List for Lending in Teton County, ID for 2025

* 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
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 108 $ 74,900,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 84 $ 44,660,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ n/a 74 $ 29,990,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 34 $ 15,060,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 31 $ 17,825,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 22 $ 12,910,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 21 $ 17,595,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 21 $ 8,655,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 18 $ 10,870,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 17 $ 9,495,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ n/a 17 $ 12,645,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 16 $ 2,990,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 15 $ 5,345,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 14 $ 5,350,000
Beehive Federal Credit Union
PO BOX 40
REXBURG, ID 83440
* $ n/a 14 $ 5,050,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 13 $ 6,435,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 12 $ 9,120,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 12 $ 6,400,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 12 $ 9,460,000
Frontier Credit Union
865 S WOODRUFF AVE
IDAHO FALLS, ID 83401
* $ n/a 11 $ 4,245,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 11 $ 5,765,000
The Bank of Commerce
3113 SOUTH 25TH EAST
AMMON, ID 83406
* $ n/a 10 $ 10,960,000
Meridian Trust Federal Credit Union
PO BOX 548
CHEYENNE, WY 82003
* $ n/a 10 $ 2,050,000
Westmark Credit Union
PO BOX 2869
IDAHO FALLS, ID 83404
* $ n/a 10 $ 4,100,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 10 $ 2,950,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 10 $ 2,770,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 2,175,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 1,315,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 8 $ 3,570,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 7 $ 4,655,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 6 $ 1,400,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 6 $ 2,680,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ n/a 6 $ 7,040,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 6 $ 1,830,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 6 $ 3,890,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 6 $ 1,950,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 6 $ 4,020,000
Goldenwest Federal Credit Union
5025 ADAMS AVE
OGDEN, UT 84403
* $ n/a 5 $ 1,625,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 5 $ 10,205,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 2,975,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 4,005,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 2,935,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 5 $ 1,845,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 4 $ 2,980,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 4 $ 2,350,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ n/a 4 $ 1,580,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 4 $ 1,940,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 4 $ 2,590,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 4 $ 1,450,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 4 $ 1,820,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 4 $ 470,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ n/a 4 $ 5,780,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 4 $ 990,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 4 $ 3,920,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 4 $ 2,260,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ n/a 4 $ 2,050,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 4 $ 3,260,000
Basis Home Loans LLC
4400 NE 77TH AVENUE SUITE 100
VANCOUVER, WA 98662
* $ n/a 4 $ 2,640,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 1,625,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 3 $ 365,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 3 $ 2,475,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ n/a 3 $ 1,135,000
Arvest Bank

TULSA, OK 74103
* $ n/a 3 $ 3,085,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 3 $ 1,035,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 1,305,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 3 $ 2,035,000
Generations Bank
1325 HWY 278 BYPASS
ROGERS, AR 72758
* $ n/a 2 $ 890,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 1,070,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ n/a 2 $ 1,940,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 2 $ 870,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 2,540,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 2 $ 780,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 910,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 2 $ 690,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 2 $ 1,780,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 910,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 2,160,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 2,240,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 330,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 2 $ 800,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 2 $ 1,510,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 2 $ 880,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 2 $ 1,820,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 1,420,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 2 $ 3,700,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 2 $ 2,340,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ n/a 2 $ 1,120,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 1,800,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 2 $ 610,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 2 $ 2,220,000
Cyprus Federal Credit Union
3876 W. CENTERVIEW WAY
WEST JORDAN, UT 84084
* $ n/a 1 $ 305,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 135,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 1 $ 655,000
New Century Bank
1211 28TH ST
BELLEVILLE, KS 66935
* $ n/a 1 $ 645,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 1 $ 355,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ n/a 1 $ 65,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 255,000
Hightechlending, Inc
2030 MAIN ST 350
IRVINE, CA 92614
* $ n/a 1 $ 685,000
American United FCU
500 S FOOTHILL DRIVE
WEST JORDAN, UT 84088
* $ n/a 1 $ 605,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 755,000
First Federal Savings Bank
303 SHOSHONE ST N
TWIN FALLS, ID 83303
* $ n/a 1 $ 505,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 1 $ 655,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ n/a 1 $ 755,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 405,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 915,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 505,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ n/a 1 $ 605,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 415,000
Opportunity Bank of Montana
1400 PROSPECT AVE
HELENA, MT 59601
* $ n/a 1 $ 625,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 1 $ 865,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 135,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 965,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 1,035,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 1 $ 205,000
Financial Federal Bank
1715 AARON BRENNER DRIVE
MEMPHIS, TN 38120
* $ n/a 1 $ 4,565,000
5th Sreet Capital Inc.
2020 CAMINO DEL RIO N #300
SAN DIEGO, CA 92108
* $ n/a 1 $ 205,000
The Northern Trust Co
50 S. LA SALLE
CHICAGO, IL 60603
* $ n/a 1 $ 1,615,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 805,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 1,345,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 1 $ 355,000
Bank of Utah
2605 WASHINGTON BOULEVARD
OGDEN, UT 84401
* $ n/a 1 $ 595,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 385,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 1 $ 855,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 1 $ 165,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 1,045,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 605,000
Regent Bank
105 N MAPLE
TULSA, OK 74136
* $ n/a 1 $ 565,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 1 $ 155,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ n/a 1 $ 1,505,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 1,195,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 1,205,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 885,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ n/a 1 $ 685,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ n/a 1 $ 2,595,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 105,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 475,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 45,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 865,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 1 $ 1,205,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 1,035,000
Capital Credit Union
PO BOX 2096
BISMARCK, ND 58502
* $ n/a 1 $ 815,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 1 $ 455,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 655,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 1 $ 805,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ n/a 1 $ 1,365,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 505,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 2,405,000
Saxton Mortgage, LLC
9191 TOWNE CENTRE DRIVE SUITE 400
SAN DIEGO, CA 92122
* $ n/a 1 $ 505,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 1,005,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ n/a 1 $ 2,595,000

The tables below break down 2025 mortgage applications in Teton County, ID by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Teton County, ID in 2025

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 416 $315,350,000 $758,000 $4,175,000 $317,000 $2,853,000
Cash-out Refinancing 188 $81,110,000 $431,000 $6,185,000 $296,000 $3,600,000
Refinancing 142 $81,960,000 $577,000 $2,715,000 $249,000 $1,900,000
Home Improvement 113 $31,115,000 $275,000 $2,735,000 $231,000 $1,500,000
Other Purpose 103 $31,875,000 $309,000 $3,685,000 $217,000 $3,869,000
Not Applicable 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 659 $367,365,000 $557,000 $4,565,000 $271,000 $3,869,000
Not Provided 141 $76,625,000 $543,000 $3,595,000 $353,000 $1,942,000
Not applicable 104 $68,970,000 $663,000 $6,185,000 $359,000 $1,053,000
Hispanic 48 $19,470,000 $405,000 $2,735,000 $157,000 $940,000
Asian 5 $5,235,000 $1,047,000 $1,365,000 $590,000 $1,517,000
American Indian or Alaskan Native 4 $2,830,000 $707,000 $905,000 $262,000 $500,000
Native Hawaiian or Other Pacific Islander 1 $915,000 $915,000 $915,000 $324,000 $324,000
Black or African American 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) 909 $508,935,000 $559,000 $6,185,000 $288,000 $3,869,000
FHA-insured (Federal Housing Administration) 29 $13,965,000 $481,000 $785,000 $95,000 $180,000
VA-guaranteed (Veterans Administration) 23 $18,005,000 $782,000 $1,485,000 $174,000 $408,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $505,000 $505,000 $505,000 $109,000 $109,000

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 487 $288,215,000 $591,000 $6,185,000 $298,000 $3,869,000
Application Denied By Financial Institution 157 $78,965,000 $502,000 $4,175,000 $258,000 $1,942,000
Application Withdrawn By Applicant 129 $71,705,000 $555,000 $2,595,000 $288,000 $3,600,000
Loan Purchased By The Institution 92 $53,250,000 $578,000 $1,495,000 $323,000 $1,053,000
Application Approved But Not Accepted 65 $36,345,000 $559,000 $3,595,000 $227,000 $759,000
File Closed For Incompleteness 32 $12,930,000 $404,000 $1,145,000 $195,000 $774,000
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
Not applicable 789 $447,175,000 $566,000 $4,565,000 $284,000 $3,869,000
Debt-To-Income Ratio 72 $40,120,000 $557,000 $6,185,000 $166,000 $1,179,000
Collateral 36 $22,540,000 $626,000 $4,175,000 $259,000 $951,000
Credit Application Incomplete 20 $4,860,000 $243,000 $965,000 $134,000 $303,000
Credit History 20 $7,890,000 $394,000 $1,655,000 $747,000 $1,942,000
Other 12 $7,780,000 $648,000 $1,005,000 $218,000 $488,000
Unverifiable Information 9 $7,675,000 $852,000 $2,305,000 $305,000 $533,000
Employment History 2 $860,000 $430,000 $805,000 $271,000 $500,000
Insufficient Cash (Downpayment, Closing Cost) 2 $2,510,000 $1,255,000 $2,455,000 $304,000 $584,000
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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