Trinity County, CA Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 699 mortgage applications in Trinity County, CA totaling $159.8 million, up 41% from 2019. The average application was for $228,000, and applicants reported an average income of $105,000. 51% of applications resulted in an originated loan and 11% were denied. The most active lender was American Pacific Mortgage Corporation, with 35 applications, followed by Freedom Mortgage Corporation and Columbia Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 699
Total Mortgage Loan Application Amount $159,785,000
Average Mortgage Loan Application Amount $228,000
Highest Mortgage Loan Application Amount $1,495,000
Average Applicant Income $105,000
Highest Applicant Income $1,322,000

Mortgage Company List for Lending in Trinity County, CA for 2020

* 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
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 35 $ 8,955,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 32 $ 6,940,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 28,816,687,000 29 $ 3,985,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 28 $ 6,900,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 27 $ 6,335,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 27 $ 6,315,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 25 $ 5,925,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 24 $ 6,210,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 17 $ 3,765,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 16 $ 3,340,000
Tri Counties Bank
63 CONSTITUTION DRIVE
CHICO, CA 95973
* $ 6,469,416,000 15 $ 1,385,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 14 $ 3,780,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 3,010,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 3,445,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 13 $ 2,545,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 2,990,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 2,555,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 2,025,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 2,435,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 1,620,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 8 $ 1,430,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 8 $ 1,360,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 2,440,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 8 $ 1,420,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,535,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 7 $ 1,995,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 7 $ 1,975,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 7 $ 1,885,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 1,970,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 6 $ 1,460,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 6 $ 950,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 1,365,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 4 $ 1,230,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 4 $ 1,320,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 4 $ 1,260,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 730,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 4 $ 600,000
MUFG Union Bank, National Association
9865 TOWNE CENTRE DRIVE, 3RD FLOOR
SAN DIEGO, CA 92121
* $ 133,193,818,000 4 $ 760,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 1,000,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 940,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 885,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 675,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 3 $ 565,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 3 $ 795,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 315,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 215,000
Fisher Financial Group, Incorporated
3303 EAST BASELINE ROAD #7-118
GILBERT, AZ 85234
* $ -1,000 3 $ 935,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 815,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 83,036,000,000 3 $ 2,355,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 380,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 2 $ 310,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 2 $ 490,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 2 $ 400,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 400,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 2 $ 150,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 560,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 340,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 2 $ 590,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 2 $ 320,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 350,000
Members 1st Credit Union
PO BOX 492395
REDDING, CA 96003
* $ 230,585,000 2 $ 370,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 430,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 2 $ 300,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 790,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 520,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 2 $ 310,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 190,000
Provident Credit Union
303 TWIN DOLPHIN DRIVE
REDWOOD CITY, CA 94065
* $ 2,795,784,000 2 $ 550,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 3,575,301,000 2 $ 320,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 550,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 440,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 2 $ 630,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 2 $ 480,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 2 $ 350,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 480,000
Megastar Finanacial Corp
1080 CHEROKEE STREET
DENVER, CO 80204
* $ -1,000 2 $ 470,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 500,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ -1,000 2 $ 290,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 2 $ 320,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 2 $ 480,000
The Golden 1 Credit Union
8945 CAL CENTER DR
SACRAMENTO, CA 95826
* $ 12,993,881,000 2 $ 370,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 110,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 505,000
Sre Mortgage Alliance Inc.
2245 CAMPUS DRIVE
EL SEGUNDO, CA 90245
* $ -1,000 1 $ 225,000
Lending 3, Inc
17220 NEWHOPE ST. SUITE 213
FOUNTAIN VALLEY, CA 92708
* $ -1,000 1 $ 245,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ -1,000 1 $ 165,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 115,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 13,110,529,000 1 $ 275,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 92,968,547,000 1 $ 285,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 305,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 1 $ 185,000
Athas Capital Group, Inc.
27001 AGOURA ROAD, STE. 200
CALABASAS, CA 91301
* $ -1,000 1 $ 315,000
Genhome Mortgage Corporation

IRVINE, CA 92614
* $ -1,000 1 $ 165,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 265,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 275,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 115,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 35,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 275,000
Mega Capital Funding, Inc.
5000 N PARKWAY CALABASAS
SUITE 100, CA 91302
* $ -1,000 1 $ 185,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 1 $ 25,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 205,000
Mortgage Management Consultants, Inc.
1008 W. AVENUE M-4, STE. H
PALMDALE, CA 93551
* $ -1,000 1 $ 275,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 425,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 205,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 45,000
Operating Engineers Federal Credit Union
250 N CANYONS PARKWAY
LIVERMORE, CA 94551
* $ 1,181,089,000 1 $ 165,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 1 $ 515,000
Chu & Associates, Inc.
3452 EAST FOOTHILL BLVD SUITE 410
PASADENA, CA 91107
* $ -1,000 1 $ 375,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 255,000
Stanford Federal Credit Union
1860 EMBARCADERO ROAD
PALO ALTO, CA 94303
* $ 2,942,160,000 1 $ 185,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 95,000
Sierra Central Credit Union
1351 HARTER PARKWAY
YUBA CITY, CA 95993
* $ 1,138,801,000 1 $ 265,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 215,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 855,000
San Diego County Credit Union
6545 SEQUENCE DRIVE
SAN DIEGO, CA 92121
* $ 8,467,119,000 1 $ 135,000
Constant Investments, Inc
14241 FIRESTONE BLVD SUITE 210
LA MIRADA, CA 90638
* $ -1,000 1 $ 405,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 295,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 345,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 1 $ 125,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 85,000
Western Express Lending
1 SPECTRUM POINTE DR SUITE 200
LAKE FOREST, CA 92630
* $ -1,000 1 $ 235,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 8,335,689,000 1 $ 75,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 1 $ 225,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 225,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 85,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 275,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 145,000
F&B Acquisition Group LLC
12412 POWERSCOURT DRIVE STE. 20
ST. LOUIS, MO 63131
* $ -1,000 1 $ 425,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 295,000
Calculated Risk Analytics LLC
4000 MACARTHUR BLVD #800
NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 375,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 175,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 145,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 225,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
Fremont Bank
39150 FREMONT BLVD
FREMONT, CA 94538
* $ 4,377,727,000 1 $ 145,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 155,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 365,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ -1,000 1 $ 285,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 1 $ 35,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 555,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 145,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ -1,000 1 $ 165,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 85,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 1 $ 425,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 305,000

The tables below break down 2020 mortgage applications in Trinity County, CA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Trinity County, CA in 2020

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 297 $68,735,000 $231,000 $525,000 $106,000 $475,000
Home Purchase 226 $57,710,000 $255,000 $855,000 $117,000 $814,000
Cash-out Refinancing 132 $27,160,000 $205,000 $565,000 $81,000 $331,000
Home Improvement 22 $2,220,000 $100,000 $275,000 $94,000 $234,000
Other Purpose 14 $2,260,000 $161,000 $1,495,000 $185,000 $1,322,000
Not Applicable 8 $1,700,000 $212,000 $345,000 $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 494 $111,770,000 $226,000 $1,495,000 $105,000 $1,322,000
Not Provided 115 $25,915,000 $225,000 $635,000 $105,000 $460,000
Not applicable 41 $9,805,000 $239,000 $555,000 $85,000 $161,000
American Indian or Alaskan Native 18 $3,610,000 $200,000 $295,000 $79,000 $138,000
Asian 13 $3,315,000 $255,000 $515,000 $130,000 $232,000
Hispanic 12 $3,530,000 $294,000 $425,000 $151,000 $560,000
Black or African American 4 $1,470,000 $367,000 $515,000 $91,000 $134,000
Native Hawaiian or Other Pacific Islander 1 $255,000 $255,000 $255,000 $133,000 $133,000

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) 501 $112,825,000 $225,000 $1,495,000 $116,000 $1,322,000
VA-guaranteed (Veterans Administration) 112 $29,130,000 $260,000 $525,000 $63,000 $157,000
FHA-insured (Federal Housing Administration) 77 $15,555,000 $202,000 $335,000 $63,000 $168,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $2,275,000 $252,000 $315,000 $73,000 $105,000

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 357 $84,265,000 $236,000 $1,495,000 $108,000 $1,322,000
Application Withdrawn By Applicant 134 $29,720,000 $221,000 $515,000 $97,000 $814,000
Application Denied By Financial Institution 77 $15,415,000 $200,000 $545,000 $107,000 $353,000
Loan Purchased By The Institution 59 $13,755,000 $233,000 $555,000 $98,000 $183,000
File Closed For Incompleteness 48 $11,330,000 $236,000 $855,000 $109,000 $460,000
Application Approved But Not Accepted 23 $5,045,000 $219,000 $425,000 $117,000 $560,000
Preapproval Denied by Financial Institution 1 $255,000 $255,000 $255,000 $55,000 $55,000
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 620 $143,950,000 $232,000 $1,495,000 $105,000 $1,322,000
Credit Application Incomplete 19 $4,235,000 $222,000 $545,000 $118,000 $353,000
Credit History 18 $2,940,000 $163,000 $345,000 $105,000 $210,000
Collateral 16 $3,240,000 $202,000 $375,000 $129,000 $331,000
Debt-To-Income Ratio 13 $2,695,000 $207,000 $495,000 $101,000 $298,000
Other 6 $1,230,000 $205,000 $295,000 $94,000 $210,000
Employment History 4 $1,060,000 $265,000 $305,000 $77,000 $136,000
Unverifiable Information 2 $230,000 $115,000 $155,000 $30,000 $40,000
Insufficient Cash (Downpayment, Closing Cost) 1 $205,000 $205,000 $205,000 $95,000 $95,000
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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