Todd County, MN Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 812 mortgage applications in Todd County, MN totaling $111.8 million, down 10% from 2016. The average application was for $137,000, and applicants reported an average income of $72,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was Magnifi Financial Credit Union, with 146 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 | 812 |
| Total Mortgage Loan Application Amount | $111,847,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $580,000 |
* 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 |
* | $ 960,051,000 | 146 | $ 18,197,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 43 | $ 5,727,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 41 | $ 5,584,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 33 | $ 7,853,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 23 | $ 3,459,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 432,500,000 | 17 | $ 2,507,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 17 | $ 2,631,000 |
| American Heritage National Bank 24 2ND ST S LONG PRAIRIE, MN 56347 |
* | $ 262,559,000 | 16 | $ 2,053,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 15 | $ 1,519,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 14 | $ 1,901,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 14 | $ 1,387,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 14 | $ 1,614,000 |
| Unity Bank 1180 W 4TH STREET RUSH CITY, MN 55069 |
* | $ 204,313,000 | 13 | $ 1,338,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 12 | $ 2,360,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 12 | $ 1,798,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 11 | $ 1,941,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 11 | $ 1,266,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 979,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,317,000 |
| Star Bank 100 STATE HWY 55 EAST MAPLE LAKE, MN 55358 |
* | $ 243,565,000 | 11 | $ 554,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 9 | $ 1,119,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 9 | $ 1,552,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,496,234,000 | 9 | $ 1,464,000 |
| Freeport State Bank 111 MAIN ST E FREEPORT, MN 56331 |
* | $ 110,543,000 | 9 | $ 1,246,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,262,003,000 | 8 | $ 1,273,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 8 | $ 1,849,000 |
| First State Bank of Sauk Centre 423 MAIN ST S SAUK CENTRE, MN 56378 |
* | $ 93,436,000 | 8 | $ 731,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 961,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 998,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,620,732,000 | 7 | $ 1,068,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 4,181,458,000 | 6 | $ 654,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 1,919,185,000 | 6 | $ 298,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 5 | $ 831,000 |
| Tradition Mortgage, LLC 16995 BRANDTJEN FARM DRIVE SUTE 300 LAKEVILLE, MN 55044 |
* | $ -1,000 | 5 | $ 651,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 5 | $ 356,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 987,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 5 | $ 980,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 5 | $ 814,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 303,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 4 | $ 565,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 4 | $ 599,000 |
| Pine Country Bank 1201 1ST AVENUE NE LITTLE FALLS, MN 56345 |
* | $ 163,607,000 | 4 | $ 414,000 |
| St. Cloud Financial Credit Union 3030 1ST ST S SAINT CLOUD, MN 56301 |
* | $ 155,158,000 | 4 | $ 497,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 4 | $ 547,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 4 | $ 536,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 3 | $ 412,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 3 | $ 392,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,163,952,000 | 3 | $ 400,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ 1,717,614,000 | 3 | $ 633,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 3 | $ 446,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 415,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 265,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 3 | $ 241,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 575,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 580,000 |
| Liberty Bank Minnesota 111 7TH AVE S ST CLOUD, MN 56301 |
* | $ 201,970,000 | 3 | $ 388,000 |
| Deerwood Bank 21236 ARCHIBALD ROAD WAITE PARK, MN 56387 |
* | $ 477,650,000 | 3 | $ 303,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 128,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 490,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 240,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 2 | $ 124,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ 2,800,000,000 | 2 | $ 303,000 |
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 1,952,398,000 | 2 | $ 102,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 106,169,829,000 | 2 | $ 269,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 2 | $ 242,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 2 | $ 154,000 |
| Roundbank 200 SECOND STREET NE, PO BOX 667 WASECA, MN 56093 |
* | $ 306,339,000 | 2 | $ 565,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,070,486,000 | 2 | $ 397,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 2 | $ 39,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 1,688,730,000 | 2 | $ 450,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 2 | $ 186,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 2 | $ 413,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 154,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 286,000 |
| First Minnesota Bank 4625 COUNTY ROAD 101 MINNETONKA, MN 55345 |
* | $ 395,246,000 | 2 | $ 344,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 122,631,667,000 | 2 | $ 204,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 485,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 2 | $ 186,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 2 | $ 136,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 2 | $ 557,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 273,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 37,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ 2,048,652,000 | 2 | $ 320,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 2 | $ 206,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 119,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 1 | $ 210,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 19,227,800,000 | 1 | $ 116,000 |
| Topline Financial Credit Union 9353 JEFFERSON HWY MAPLE GROVE, MN 55369 |
* | $ 388,964,000 | 1 | $ 132,000 |
| Harvest Bank PO BOX 70 KIMBALL, MN 55353 |
* | $ 133,680,000 | 1 | $ 83,000 |
| Pine River State Bank PO BOX 67, 103 MILL STREET S PINE RIVER, MN 56474 |
* | $ 116,715,000 | 1 | $ 110,000 |
| Northview Bank 510 MAIN STREET SANDSTONE, MN 55072 |
* | $ 328,148,000 | 1 | $ 243,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 15,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 230,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 162,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 262,000 |
| American National Bank of Minnesota 1920 SOUTH SIXTH STREET BRAINERD, MN 56401 |
* | $ 242,333,000 | 1 | $ 104,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ -1,000 | 1 | $ 112,000 |
| The First National Bank of Elk River 812 MAIN ST. ELK RIVER, MN 55330 |
* | $ 268,433,000 | 1 | $ 179,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 294,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 1 | $ 120,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 1 | $ 45,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 629,000,000 | 1 | $ 172,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 163,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 119,000 |
| Plaza Park State Bank 131 6TH AVE S - SUITE 100, PO BOX 337 WAITE PARK, MN 56387 |
* | $ 204,075,000 | 1 | $ 50,000 |
| Riverwood Bank 14540 DELLWOOD DR PO BOX 2947 BAXTER, MN 56425 |
* | $ 355,296,000 | 1 | $ 102,000 |
| American Bank of the North 117 CENTRAL AVENUE NASHWAUK, MN 55769 |
* | $ 566,756,000 | 1 | $ 123,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 151,000 |
| Results Mortgage, LLC 11200 WEST 78TH STREET, SUITE 50 EDEN PRAIRIE, MN 55344 |
* | $ 1,000,000 | 1 | $ 181,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 102,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 196,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 343,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 227,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 1 | $ 260,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 238,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,982,691,000 | 1 | $ 247,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 145,000 |
| Farmers & Merchants State Bank of Pierz 80 MAIN STREET N, P.O. BOX 308 PIERZ, MN 56364 |
* | $ 216,345,000 | 1 | $ 128,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 180,000 |
| Sherburne State Bank 12500 SHERBURNE AVE PO BOX 428, MN 55308 |
* | $ 101,579,000 | 1 | $ 180,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 60,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 20,399,583,000 | 1 | $ 219,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 87,000 |
| Midwest Bank 613 HWY 10 E PO BOX 703 DETROIT LAKES, MN 56501 |
* | $ 387,051,000 | 1 | $ 310,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 796,545,000 | 1 | $ 127,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 209,235,000 | 1 | $ 320,000 |
| Blaze Credit Union 2025 LARPENTEUR AVE W FALCON HEIGHTS, MN 55113 |
* | $ 893,890,000 | 1 | $ 40,000 |
| Southpoint Financial Credit Union 924 MAIN STREET E SLEEPY EYE, MN 56085 |
* | $ 308,180,000 | 1 | $ 28,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,435,339,000 | 1 | $ 65,000 |
| Sentry Bank 400 4TH AVE NE ST. JOSEPH, MN 56374 |
* | $ 207,029,000 | 1 | $ 50,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 345,855,000 | 1 | $ 378,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,615,610,000 | 1 | $ 315,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 1,131,750,000 | 1 | $ 185,000 |
The tables below break down 2017 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 2017
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 | 412 | $55,138,000 | $133,000 | $508,000 | $68,000 | $378,000 |
| Refinancing | 347 | $52,818,000 | $152,000 | $1,000,000 | $78,000 | $580,000 |
| Home Improvement | 53 | $3,891,000 | $73,000 | $368,000 | $71,000 | $281,000 |
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 | 664 | $90,539,000 | $136,000 | $508,000 | $80,000 | $580,000 |
| Not applicable | 77 | $11,512,000 | $149,000 | $1,000,000 | $16,000 | $259,000 |
| Not Provided | 38 | $6,333,000 | $166,000 | $425,000 | $76,000 | $211,000 |
| Hispanic | 24 | $2,206,000 | $91,000 | $174,000 | $47,000 | $208,000 |
| American Indian or Alaskan Native | 4 | $409,000 | $102,000 | $185,000 | $47,000 | $79,000 |
| Asian | 3 | $487,000 | $162,000 | $192,000 | $61,000 | $101,000 |
| Black or African American | 1 | $200,000 | $200,000 | $200,000 | $115,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $161,000 | $161,000 | $161,000 | $72,000 | $72,000 |
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) | 584 | $81,892,000 | $140,000 | $1,000,000 | $83,000 | $580,000 |
| FHA-insured (Federal Housing Administration) | 90 | $10,735,000 | $119,000 | $275,000 | $42,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $7,190,000 | $104,000 | $393,000 | $35,000 | $148,000 |
| VA-guaranteed (Veterans Administration) | 69 | $12,030,000 | $174,000 | $368,000 | $58,000 | $123,000 |
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 | 434 | $61,273,000 | $141,000 | $1,000,000 | $81,000 | $580,000 |
| Application Denied By Financial Institution | 133 | $16,657,000 | $125,000 | $441,000 | $60,000 | $416,000 |
| Loan Purchased By The Institution | 97 | $12,703,000 | $130,000 | $378,000 | $38,000 | $275,000 |
| Application Withdrawn By Applicant | 94 | $13,830,000 | $147,000 | $450,000 | $85,000 | $333,000 |
| Application Approved But Not Accepted | 35 | $4,919,000 | $140,000 | $455,000 | $77,000 | $225,000 |
| File Closed For Incompleteness | 19 | $2,465,000 | $129,000 | $414,000 | $66,000 | $164,000 |
| 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 | 27 | $2,487,000 | $92,000 | $425,000 | $52,000 | $136,000 |
| Debt-To-Income Ratio | 20 | $2,259,000 | $112,000 | $441,000 | $47,000 | $186,000 |
| Collateral | 19 | $2,517,000 | $132,000 | $268,000 | $61,000 | $168,000 |
| Credit Application Incomplete | 8 | $1,159,000 | $144,000 | $171,000 | $47,000 | $148,000 |
| Other | 5 | $683,000 | $136,000 | $349,000 | $46,000 | $96,000 |
| Unverifiable Information | 1 | $88,000 | $88,000 | $88,000 | $44,000 | $44,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $64,000 | $64,000 | $64,000 | $19,000 | $19,000 |
| 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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