Towns County, GA Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 907 mortgage applications in Towns County, GA totaling $221.5 million, down 10% from 2012. The average application was for $244,000, and applicants reported an average income of $88,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was United Community Bank, with 227 applications, followed by Wells Fargo Bank NA and JPMorgan Chase Bank, NA.
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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 | 907 |
| Total Mortgage Loan Application Amount | $221,477,000 |
| Average Mortgage Loan Application Amount | $244,000 |
| Highest Mortgage Loan Application Amount | $70,211,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $735,000 |
* 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 |
|---|---|---|---|---|
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 6,794,846,000 | 227 | $ 34,038,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 86 | $ 13,924,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 45 | $ 5,791,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 37 | $ 5,682,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 33 | $ 4,371,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 31 | $ 6,053,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 28 | $ 4,698,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 22 | $ 4,470,000 |
| Park Sterling Bank 1043 E MOREHEAD ST, STE 201 CHARLOTTE, NC 28204 |
* | $ 2,010,386,000 | 19 | $ 3,369,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 16 | $ 2,436,000 |
| First Federal Bank 2440 MALL DRIVE NORTH CHARLESTON, SC 29406 |
* | $ 3,209,458,000 | 13 | $ 1,546,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 12 | $ 1,510,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 2,880,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 11 | $ 2,247,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 5,130,184,000 | 11 | $ 2,687,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 10 | $ 1,719,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 10 | $ 1,388,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 8 | $ 1,990,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 25,475,784,000 | 8 | $ 1,234,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 8 | $ 1,441,000 |
| Southern Highlands Mortgage, L 215 BLUE RIDGE ST. SUITE A BLAIRSVILLE, GA 30512 |
* | $ 10,000,000 | 8 | $ 2,538,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,359,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 7 | $ 1,487,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 6 | $ 958,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 6 | $ 384,000 |
| Community & Southern Bank 3333 RIVERWOOD PARKWAY SUITE #350 ATLANTA, GA 30339 |
* | $ 2,585,937,000 | 6 | $ 853,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 869,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 1,177,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 834,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 5 | $ 638,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 5 | $ 810,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 4 | $ 396,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 4 | $ 472,000 |
| Brand Mortgage Group, LLC 1255 LAKES PARKWAY, BLDG 300, ST 200 LAWRENCEVILLE, GA 30043 |
* | $ 1,195,416,000 | 4 | $ 832,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 475,008,000 | 4 | $ 914,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 607,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 473,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 478,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,232,685,000 | 3 | $ 318,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 1,016,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 3 | $ 213,000 |
| First Citizens Bank & Trust Co 1230 MAIN STREET COLUMBIA, SC 29201 |
* | $ 8,188,497,000 | 3 | $ 326,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 487,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 109,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 3,016,309,000 | 3 | $ 630,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 3 | $ 681,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 13,199,987,000 | 3 | $ 573,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 5,707,401,000 | 3 | $ 708,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 3 | $ 497,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 3 | $ 515,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,365,864,000 | 3 | $ 215,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 20,908,181,000 | 3 | $ 520,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 377,000 |
| Georgia's Own Credit Union 100 PEACHTREE ST NW 100 PEACHTREE ST. NW 2800, GA 30303 |
* | $ 1,728,838,000 | 2 | $ 112,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 413,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 2 | $ 388,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 2 | $ 139,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 2 | $ 528,000 |
| Banksouth 6340 LAKE OCONEE PARKWAY GREENSBORO, GA 30642 |
* | $ 351,778,000 | 2 | $ 393,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 706,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 2 | $ 404,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 2 | $ 437,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 2 | $ 595,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 754,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 402,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 4,169,063,000 | 2 | $ 298,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 2 | $ 717,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 250,000 |
| Entegra Bank 14 ONE CENTER COURT FRANKLIN, NC 28734 |
* | $ 770,101,000 | 2 | $ 246,000 |
| Georgia United Credit Union 6705 SUGARLOAF PARKWAY DULUTH, GA 30097 |
* | $ 925,004,000 | 2 | $ 309,000 |
| Credit Union Financial Services, LLC 2476 LAWRENCEVILLE HIGHWAY SUITE 101 DECATUR, GA 30033 |
* | $ 81,511,000 | 1 | $ 225,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 259,000 |
| Campus USA Credit Union 14007 NW 1ST RD NEWBERRY, FL 32669 |
* | $ 1,104,462,000 | 1 | $ 179,000 |
| Pacific Service Credit Union 3000 CLAYTON ROAD CONCORD, CA 94520 |
* | $ 1,073,567,000 | 1 | $ 176,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 144,000 |
| Heritagebank of the South 3333 PEACHTREE RD NE SUITE M-10 ATLANTA, GA 30326 |
* | $ 1,094,422,000 | 1 | $ 140,000 |
| Mountain Valley Community Bank 136 N MAIN ST CLEVELAND, GA 30528 |
* | $ 144,713,000 | 1 | $ 275,000 |
| Christensen Financial, Inc. 860 N SR 434 ALTAMONTE SPRINGS, FL 32714 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 70,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 140,000 |
| Coca-Cola Federal Credit Union ONE COCA-COLA PLAZA NW ATLANTA, GA 30313 |
* | $ 157,462,000 | 1 | $ 20,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 83,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 268,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 277,529,000 | 1 | $ 190,000 |
| Home Federal Bank 222 FLORIDA STREET SHREVEPORT, LA 71105 |
* | $ 272,656,000 | 1 | $ 264,000 |
| Acu P.O. BOX 923028 PEACHTREE CORNERS, GA 30092 |
* | $ 1,275,875,000 | 1 | $ 213,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 61,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 229,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 192,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 265,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ 0 | 1 | $ 83,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 1 | $ 405,000 |
| Southeast Mortgage of Georgia, Inc. 3575 KOGER BLVD. SUITE 400 DULUTH, GA 30096 |
* | $ 10,000,000 | 1 | $ 265,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ 40,000,000 | 1 | $ 226,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 57,000 |
| Community Business Bank 407 E MAPLE STREET UNIT 104 CUMMING, GA 30040 |
* | $ 141,494,000 | 1 | $ 175,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 138,000 |
| American Home Mortgage ATLANTA, GA 30328 |
* | $ 10,000,000 | 1 | $ 276,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 949,559,000 | 1 | $ 179,000 |
| Mutual of Omaha Bank 3333 FARNAM ST OMAHA, NE 68131 |
* | $ 5,923,392,000 | 1 | $ 256,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 5,164,405,000 | 1 | $ 225,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 2,474,447,000 | 1 | $ 79,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 153,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 895,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,305,461,000 | 1 | $ 271,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 388,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 1 | $ 140,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 70,211,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 26,425,077,000 | 1 | $ 1,708,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 198,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 1 | $ 99,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 104,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 1 | $ 142,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 145,000 |
The tables below break down 2013 mortgage applications in Towns County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Towns County, GA in 2013
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 | 620 | $179,375,000 | $289,000 | $70,211,000 | $85,000 | $735,000 |
| Home Purchase | 247 | $39,480,000 | $159,000 | $1,708,000 | $100,000 | $639,000 |
| Home Improvement | 40 | $2,622,000 | $65,000 | $400,000 | $63,000 | $334,000 |
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 | 739 | $121,234,000 | $164,000 | $1,708,000 | $89,000 | $735,000 |
| Not applicable | 86 | $86,585,000 | $1,006,000 | $70,211,000 | $57,000 | $493,000 |
| Not Provided | 63 | $10,757,000 | $170,000 | $526,000 | $122,000 | $665,000 |
| Hispanic | 11 | $1,552,000 | $141,000 | $212,000 | $77,000 | $184,000 |
| American Indian or Alaskan Native | 5 | $717,000 | $143,000 | $250,000 | $88,000 | $186,000 |
| Asian | 3 | $632,000 | $210,000 | $332,000 | $89,000 | $134,000 |
| 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) | 806 | $133,437,000 | $165,000 | $1,708,000 | $94,000 | $735,000 |
| VA-guaranteed (Veterans Administration) | 49 | $11,030,000 | $225,000 | $895,000 | $58,000 | $188,000 |
| FHA-insured (Federal Housing Administration) | 34 | $74,983,000 | $2,205,000 | $70,211,000 | $30,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $2,027,000 | $112,000 | $158,000 | $37,000 | $60,000 |
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 | 521 | $85,255,000 | $163,000 | $1,708,000 | $87,000 | $735,000 |
| Application Denied By Financial Institution | 144 | $21,319,000 | $148,000 | $795,000 | $84,000 | $438,000 |
| Loan Purchased By The Institution | 122 | $90,194,000 | $739,000 | $70,211,000 | $73,000 | $493,000 |
| Application Withdrawn By Applicant | 57 | $13,142,000 | $230,000 | $700,000 | $120,000 | $665,000 |
| Application Approved But Not Accepted | 37 | $6,957,000 | $188,000 | $895,000 | $107,000 | $530,000 |
| File Closed For Incompleteness | 26 | $4,610,000 | $177,000 | $417,000 | $104,000 | $550,000 |
| 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 | 19 | $2,986,000 | $157,000 | $502,000 | $113,000 | $438,000 |
| Debt-To-Income Ratio | 18 | $4,134,000 | $229,000 | $776,000 | $71,000 | $171,000 |
| Credit Application Incomplete | 16 | $1,937,000 | $121,000 | $210,000 | $109,000 | $330,000 |
| Credit History | 15 | $1,879,000 | $125,000 | $225,000 | $68,000 | $222,000 |
| Other | 12 | $1,773,000 | $147,000 | $480,000 | $89,000 | $186,000 |
| Employment History | 2 | $217,000 | $108,000 | $117,000 | $42,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $322,000 | $161,000 | $190,000 | $185,000 | $305,000 |
| Unverifiable Information | 1 | $93,000 | $93,000 | $93,000 | $38,000 | $38,000 |
| 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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