Titus County, TX Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 863 mortgage applications in Titus County, TX totaling $123.3 million, up 8% from 2017. The average application was for $142,000, and applicants reported an average income of $86,000. 46% of applications resulted in an originated loan and 18% were denied. The most active lender was Guaranty Bank & Trust, with 142 applications, followed by Cypress Bank State Savings Bank and Pilgrim 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 | 863 |
| Total Mortgage Loan Application Amount | $123,295,000 |
| Average Mortgage Loan Application Amount | $142,000 |
| Highest Mortgage Loan Application Amount | $1,755,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,037,000 |
* 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 |
|---|---|---|---|---|
| Guaranty Bank & Trust 100 W ARKANSAS ST MT PLEASANT, TX 75455 |
* | $ 1,962,761,000 | 142 | $ 17,760,000 |
| Cypress Bank State Savings Bank 120 S GREER BLVD PITTSBURG, TX 75686 |
* | $ 189,270,000 | 60 | $ 5,220,000 |
| Pilgrim Bank 145 E. MARSHALL ST. PITTSBURG, TX 75686 |
* | $ 584,104,000 | 51 | $ 9,275,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 40 | $ 2,830,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 37 | $ 6,635,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 35 | $ 4,825,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 35 | $ 6,935,000 |
| Verabank,N.A. P.O. BOX 1009 HENDERSON, TX 75653 |
* | $ 1,730,108,000 | 31 | $ 2,785,000 |
| North East Texas Credit Union PO BOX 1480 LONE STAR, TX 75638 |
* | $ 146,971,000 | 24 | $ 2,100,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 19 | $ 3,185,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 17 | $ 1,045,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 17 | $ 3,945,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 17 | $ 2,595,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 16 | $ 2,380,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 13 | $ 2,025,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 11 | $ 2,295,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 10 | $ 1,940,000 |
| Weststar Mortgage Corporation 6363 NORTH STATE HIGHWAY 161 ALBUQUERQUE, NM 87113 |
* | $ -1,000 | 9 | $ 2,395,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 8 | $ 1,080,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 8 | $ 1,240,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,170,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 7 | $ 1,025,000 |
| First National Bank of East Texas 206 US HWY 271 N GILMER, TX 75644 |
* | $ 353,288,000 | 7 | $ 615,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 535,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 7 | $ 1,315,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 985,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 5 | $ 645,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 545,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 5 | $ 935,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 565,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 5 | $ 755,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 335,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 5 | $ 1,055,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 4 | $ 520,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 4 | $ 470,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 375,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,217,466,000 | 3 | $ 355,000 |
| The First National Bank of Hughes Springs PO BOX 188 HUGHES SPRINGS, TX 75656 |
* | $ 272,521,000 | 3 | $ 155,000 |
| Red River Employees Federal Credit Union 4405 SUMMERHILL ROAD TEXARKANA, TX 75503 |
* | $ 876,756,000 | 3 | $ 285,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 3 | $ 415,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 3 | $ 555,000 |
| United Built Homes, LLC 8500 LINE AVE SHREVEPORT, LA 71106 |
* | $ -1,000 | 3 | $ 595,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 685,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 455,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 245,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 3 | $ 345,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 765,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 130,000 |
| East Texas Professional C.U. 409 E. LOOP 281 LONGVIEW, TX 75605 |
* | $ 588,935,000 | 2 | $ 240,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 240,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 410,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 4,032,781,000 | 2 | $ 730,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 200,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 370,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 240,000 |
| Certainty Home Loans, LLC 6101 WEST PLANO PARKWAY WILMINGTON, DE 75093 |
* | $ -1,000 | 2 | $ 360,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 220,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 2 | $ 650,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 220,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 2 | $ 370,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 110,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 590,000 |
| Austin Bank, Texas National Association PO BOX 1537 JACKSONVILLE, TX 75766 |
* | $ 1,692,382,000 | 2 | $ 130,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 2 | $ 410,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 530,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 2 | $ 210,000 |
| Tib, National Association 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,479,145,000 | 2 | $ 410,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 600,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 410,000 |
| Inwood National Bank 7621 INWOOD RD DALLAS, TX 75209 |
* | $ 2,606,689,000 | 2 | $ 300,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 370,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ -1,000 | 1 | $ 205,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,678,712,000 | 1 | $ 235,000 |
| Alliance Bank P.O. BOX 500 SULPHUR SPRINGS, TX 75483 |
* | $ 749,962,000 | 1 | $ 15,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 495,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 345,000 |
| Prosperity Bank 1301 N MECHANIC ST EL CAMPO, TX 77437 |
* | $ 22,583,067,000 | 1 | $ 205,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 135,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 1 | $ 85,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 15,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 1 | $ 205,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 75,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 3,163,380,000 | 1 | $ 305,000 |
| Randolph-Brooks Federal Credit Union PO BOX 2097 UNIVERSAL CITY, TX 78148 |
* | $ 8,646,000,000 | 1 | $ 185,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 105,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 105,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Texas Bank Financial 901 SANTA FE DRIVE WEATHERFORD, TX 76086 |
* | $ 243,041,000 | 1 | $ 15,000 |
| Fidelity Bank 353 CARONDELET ST NEW ORLEANS, LA 70130 |
* | $ 814,611,000 | 1 | $ 85,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 125,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 165,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 265,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 355,000 |
| American Heritage Capital, L.P. 4100 SPRING VALLEY ROAD SUITE 770 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 285,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 85,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 376,507,000 | 1 | $ 135,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 1 | $ 195,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 715,005,000 | 1 | $ 365,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 135,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 1 | $ 45,000 |
| Heritage Land Bank, Aca 4608 KINSEY DR TYLER, TX 75703 |
* | $ -1,000 | 1 | $ 165,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ -1,000 | 1 | $ 405,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 255,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ -1,000 | 1 | $ 115,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 15,000 |
| The First National Bank of Winnsboro 315 N. MAIN P.O. BOX 29 WINNSBORO, TX 75494 |
* | $ 138,372,000 | 1 | $ 175,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 287,995,000 | 1 | $ 135,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 75,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 55,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 45,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 205,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 425,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 405,000 |
| Ent Credit Union (68671) 7250 CAMPUS DRIVE COLORADO SPRINGS, CO 80921 |
* | $ 5,053,222,000 | 1 | $ 25,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 1 | $ 75,000 |
| Mortgage Financial Services 10922 COURSEY BLVD. BLDG. B BATON ROUGE, LA 70816 |
* | $ -1,000 | 1 | $ 85,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 235,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 215,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 505,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 95,000 |
| Texas Bank and Trust PO BOX 3188 LONGVIEW, TX 75601 |
* | $ 2,437,615,000 | 1 | $ 455,000 |
| First National Bank Texas 507 N. GRAY ST. KILLEEN, TX 76541 |
* | $ 1,689,129,000 | 1 | $ 455,000 |
The tables below break down 2018 mortgage applications in Titus County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Titus County, TX in 2018
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 | 581 | $91,555,000 | $157,000 | $1,755,000 | $93,000 | $1,037,000 |
| Refinancing | 122 | $16,210,000 | $132,000 | $505,000 | $72,000 | $374,000 |
| Cash-out Refinancing | 70 | $9,140,000 | $130,000 | $405,000 | $71,000 | $247,000 |
| Home Improvement | 39 | $2,375,000 | $60,000 | $305,000 | $98,000 | $953,000 |
| Other Purpose | 36 | $2,140,000 | $59,000 | $355,000 | $56,000 | $264,000 |
| Not Applicable | 15 | $1,875,000 | $125,000 | $425,000 | $150,000 | $150,000 |
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 | 398 | $61,720,000 | $155,000 | $675,000 | $103,000 | $1,037,000 |
| Hispanic | 211 | $19,125,000 | $90,000 | $255,000 | $60,000 | $785,000 |
| Not applicable | 121 | $21,635,000 | $178,000 | $1,755,000 | $150,000 | $604,000 |
| Not Provided | 68 | $11,360,000 | $167,000 | $565,000 | $80,000 | $275,000 |
| Black or African American | 50 | $6,720,000 | $134,000 | $505,000 | $56,000 | $213,000 |
| American Indian or Alaskan Native | 8 | $1,270,000 | $158,000 | $475,000 | $74,000 | $233,000 |
| Asian | 7 | $1,465,000 | $209,000 | $365,000 | $89,000 | $146,000 |
| 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) | 598 | $83,110,000 | $138,000 | $1,755,000 | $93,000 | $1,037,000 |
| FHA-insured (Federal Housing Administration) | 145 | $19,655,000 | $135,000 | $295,000 | $61,000 | $195,000 |
| VA-guaranteed (Veterans Administration) | 74 | $15,080,000 | $203,000 | $505,000 | $78,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $5,450,000 | $118,000 | $285,000 | $56,000 | $94,000 |
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 | 400 | $61,290,000 | $153,000 | $1,755,000 | $96,000 | $1,026,000 |
| Application Denied By Financial Institution | 158 | $15,270,000 | $96,000 | $505,000 | $50,000 | $213,000 |
| Loan Purchased By The Institution | 152 | $25,690,000 | $169,000 | $455,000 | $112,000 | $604,000 |
| Application Withdrawn By Applicant | 83 | $12,555,000 | $151,000 | $585,000 | $83,000 | $1,037,000 |
| Application Approved But Not Accepted | 43 | $4,875,000 | $113,000 | $455,000 | $88,000 | $478,000 |
| File Closed For Incompleteness | 26 | $3,450,000 | $132,000 | $445,000 | $122,000 | $953,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $184,000 | $184,000 |
| Preapproval Approved but not Accepted | 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 | 650 | $97,930,000 | $150,000 | $1,755,000 | $94,000 | $1,037,000 |
| Debt-To-Income Ratio | 101 | $15,225,000 | $150,000 | $905,000 | $83,000 | $497,000 |
| Credit History | 58 | $3,810,000 | $65,000 | $175,000 | $46,000 | $184,000 |
| Collateral | 15 | $1,485,000 | $99,000 | $185,000 | $70,000 | $158,000 |
| Other | 15 | $1,895,000 | $126,000 | $505,000 | $65,000 | $213,000 |
| Credit Application Incomplete | 13 | $1,555,000 | $119,000 | $335,000 | $49,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $785,000 | $157,000 | $275,000 | $84,000 | $128,000 |
| Unverifiable Information | 4 | $440,000 | $110,000 | $185,000 | $56,000 | $85,000 |
| Employment History | 2 | $170,000 | $85,000 | $105,000 | $42,000 | $42,000 |
| 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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