Todd County, MN Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 805 mortgage applications in Todd County, MN totaling $97.4 million, up 16% from 2014. The average application was for $120,000, and applicants reported an average income of $67,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was Magnifi Financial Credit Union, with 166 applications, followed by Wells Fargo Bank NA and US Bank, N.A..
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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 | 805 |
| Total Mortgage Loan Application Amount | $97,380,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $2,100,000 |
* 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 |
|---|---|---|---|---|
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 856,467,000 | 166 | $ 15,634,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 64 | $ 7,789,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 50 | $ 6,075,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ 10,000,000 | 33 | $ 4,496,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 22 | $ 2,335,000 |
| Bremer Bank, NA 372 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 9,158,286,000 | 19 | $ 2,606,000 |
| Star Bank 100 STATE HWY 55 EAST MAPLE LAKE, MN 55358 |
* | $ 230,917,000 | 18 | $ 1,069,000 |
| Unity Bank 1180 W 4TH STREET RUSH CITY, MN 55069 |
* | $ 185,766,000 | 18 | $ 1,519,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 17 | $ 2,548,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 14 | $ 1,926,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 13 | $ 1,768,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 13 | $ 1,725,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 1,970,856,000 | 11 | $ 1,220,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 1,345,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,703,826,000 | 10 | $ 1,059,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 10 | $ 1,088,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 10 | $ 1,550,000 |
| American Heritage National Bank 24 2ND ST S LONG PRAIRIE, MN 56347 |
* | $ 244,283,000 | 9 | $ 959,000 |
| First State Bank of Sauk Centre 423 MAIN ST S SAUK CENTRE, MN 56378 |
* | $ 96,052,000 | 9 | $ 2,587,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 956,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 1,118,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 7 | $ 361,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 7 | $ 1,251,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 7 | $ 752,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 7 | $ 989,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 804,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 6 | $ 587,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 6 | $ 622,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 378,037,000 | 6 | $ 707,000 |
| Freeport State Bank 111 MAIN ST E FREEPORT, MN 56331 |
* | $ 100,711,000 | 6 | $ 231,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ 10,000,000 | 5 | $ 939,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ 4,028,990,000 | 5 | $ 872,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 5 | $ 535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 5 | $ 528,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ 7,380,000 | 4 | $ 468,000 |
| Liberty Savings Bank FSB 111 7TH AVE S SAINT CLOUD, MN 56301 |
* | $ 189,743,000 | 4 | $ 519,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 547,000 |
| American Lending Solutions LLC N4365 STATE HWY 73 COLUMBUS, WI 53925 |
* | $ 10,861,469,000 | 4 | $ 539,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 4 | $ 473,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 3,271,040,000 | 4 | $ 906,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 554,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 3 | $ 358,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 346,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 3 | $ 631,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 3 | $ 216,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 509,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 702,990,000 | 3 | $ 299,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 406,000 |
| Pine Country Bank 1201 1ST AVENUE NE LITTLE FALLS, MN 56345 |
* | $ 164,341,000 | 3 | $ 323,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 637,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 3 | $ 432,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 3 | $ 530,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 392,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 3 | $ 264,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 963,267,000 | 3 | $ 432,000 |
| St. Cloud Financial Credit Union 3030 1ST ST S SAINT CLOUD, MN 56301 |
* | $ 111,791,000 | 2 | $ 77,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 284,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 265,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 252,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 2 | $ 455,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 2 | $ 276,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 2 | $ 276,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ 12,210,000 | 2 | $ 229,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 87,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 135,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ 10,000,000 | 2 | $ 392,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 2 | $ 268,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 2 | $ 305,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 247,735,000 | 2 | $ 164,000 |
| Sherburne State Bank 12500 SHERBURNE AVE PO BOX 428, MN 55308 |
* | $ 86,584,000 | 2 | $ 170,000 |
| Pine River State Bank PO BOX 67, 103 MILL STREET S PINE RIVER, MN 56474 |
* | $ 106,922,000 | 2 | $ 59,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,107,155,000 | 2 | $ 454,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 248,301,000 | 2 | $ 437,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 551,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 226,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 2 | $ 314,000 |
| F-M Mortgage Corporation 801 10TH STREET S, SUITE 100 FARGO, ND 58103 |
* | $ 10,000,000 | 2 | $ 217,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 211,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 1,477,918,000 | 2 | $ 579,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,518,754,000 | 2 | $ 335,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,056,408,000 | 2 | $ 264,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,576,587,000 | 2 | $ 117,000 |
| Plaza Park State Bank 131 6TH AVE S - SUITE 100, PO BOX 337 WAITE PARK, MN 56387 |
* | $ 176,385,000 | 2 | $ 767,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,291,449,000 | 1 | $ 60,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 996,318,000 | 1 | $ 29,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 133,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 165,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 224,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Iowa Bankers Mortgage Corporation 8800 NW 62ND AVE JOHNSTON, IA 50131 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 161,483,000 | 1 | $ 175,000 |
| Harvest Bank PO BOX 70 KIMBALL, MN 55353 |
* | $ 131,858,000 | 1 | $ 40,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 49,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 576,143,000 | 1 | $ 160,000 |
| American Federal Bank 215 N 5TH ST FARGO, ND 58102 |
* | $ 490,173,000 | 1 | $ 127,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 479,751,000 | 1 | $ 70,000 |
| Anoka Hennepin Credit Union 3505 NORTHDALE BLVD COON RAPIDS, MN 55448 |
* | $ 143,555,000 | 1 | $ 37,000 |
| Farmers & Merchants State Bank of Pierz 80 MAIN STREET N, P.O. BOX 308 PIERZ, MN 56364 |
* | $ 185,410,000 | 1 | $ 28,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 217,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 1 | $ 64,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ 1,518,000 | 1 | $ 67,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 300,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 400,000 |
| Cornerstone State Bank 401 4TH ST N W MONTGOMERY, MN 56069 |
* | $ 134,703,000 | 1 | $ 454,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 133,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 232,000 |
| Lake Area Bank 12790 FIRST AVE N - PO BOX 743 LINDSTROM, MN 55045 |
* | $ 267,518,000 | 1 | $ 212,000 |
| Citizens Alliance Bank 55 NW 1ST ST NW PO BOX 430 CLARA CITY, MN 56222 |
* | $ 629,347,000 | 1 | $ 60,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 71,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 1 | $ 145,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 117,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 146,069,000 | 1 | $ 133,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 342,461,000 | 1 | $ 65,000 |
| Neighborhood National Bank 45 NORTH UNION MORA, MN 55051 |
* | $ 167,722,000 | 1 | $ 11,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 357,983,000 | 1 | $ 223,000 |
| W. J. Bradley Mortgage Capital 6465 GREENWOOD PLAZA BLVD, SUITE 500 CENTENNIAL, CO 80111 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Taylor Morrison Home Funding, Inc. 495 N KELLER RD MAITLAND, FL 32751 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 1 | $ 252,000 |
The tables below break down 2015 mortgage applications in Todd County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Todd County, MN 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 |
|---|---|---|---|---|---|---|
| Refinancing | 372 | $50,360,000 | $135,000 | $1,175,000 | $64,000 | $763,000 |
| Home Purchase | 359 | $43,330,000 | $120,000 | $500,000 | $65,000 | $850,000 |
| Home Improvement | 74 | $3,690,000 | $49,000 | $450,000 | $92,000 | $2,100,000 |
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 | 640 | $77,487,000 | $121,000 | $1,175,000 | $75,000 | $2,100,000 |
| Not applicable | 95 | $12,127,000 | $127,000 | $417,000 | $17,000 | $185,000 |
| Not Provided | 47 | $5,747,000 | $122,000 | $330,000 | $77,000 | $430,000 |
| Hispanic | 21 | $1,816,000 | $86,000 | $129,000 | $34,000 | $63,000 |
| American Indian or Alaskan Native | 2 | $203,000 | $101,000 | $149,000 | $58,000 | $79,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 557 | $66,583,000 | $119,000 | $1,175,000 | $82,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 101 | $12,105,000 | $119,000 | $290,000 | $36,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $8,338,000 | $101,000 | $217,000 | $24,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 65 | $10,354,000 | $159,000 | $400,000 | $46,000 | $139,000 |
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 | 467 | $57,125,000 | $122,000 | $1,175,000 | $84,000 | $2,100,000 |
| Application Denied By Financial Institution | 126 | $13,779,000 | $109,000 | $454,000 | $53,000 | $245,000 |
| Loan Purchased By The Institution | 106 | $13,650,000 | $128,000 | $417,000 | $22,000 | $185,000 |
| Application Withdrawn By Applicant | 55 | $6,989,000 | $127,000 | $418,000 | $68,000 | $299,000 |
| Application Approved But Not Accepted | 28 | $3,227,000 | $115,000 | $300,000 | $52,000 | $241,000 |
| File Closed For Incompleteness | 23 | $2,610,000 | $113,000 | $235,000 | $43,000 | $83,000 |
| 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 | 26 | $3,661,000 | $140,000 | $454,000 | $74,000 | $180,000 |
| Credit History | 19 | $1,734,000 | $91,000 | $229,000 | $48,000 | $115,000 |
| Debt-To-Income Ratio | 11 | $1,109,000 | $100,000 | $175,000 | $40,000 | $73,000 |
| Credit Application Incomplete | 8 | $902,000 | $112,000 | $252,000 | $70,000 | $245,000 |
| Employment History | 3 | $364,000 | $121,000 | $173,000 | $42,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $375,000 | $125,000 | $194,000 | $64,000 | $82,000 |
| Other | 2 | $150,000 | $75,000 | $81,000 | $89,000 | $159,000 |
| Unverifiable Information | 2 | $234,000 | $117,000 | $156,000 | $62,000 | $93,000 |
| 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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