Union County, OR Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,124 mortgage applications in Union County, OR totaling $233.5 million, down 35% from 2021. The average application was for $207,000, and applicants reported an average income of $96,000. 58% of applications resulted in an originated loan and 14% were denied. The most active lender was Fairway Independent Mort Corp, with 114 applications, followed by Mann Financial Inc. and US Bank, N.A..

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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 1,124
Total Mortgage Loan Application Amount $233,520,000
Average Mortgage Loan Application Amount $207,000
Highest Mortgage Loan Application Amount $905,000
Average Applicant Income $96,000
Highest Applicant Income $1,713,000

Mortgage Company List for Lending in Union County, OR for 2022

* 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
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 114 $ 29,200,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 113 $ 25,435,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 77 $ 11,215,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 16,798,536,000 57 $ 12,005,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 30,642,109,000 56 $ 8,530,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 39 $ 9,475,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 1,730,610,000 34 $ 2,350,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 33 $ 6,285,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 20 $ 3,540,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 19 $ 4,985,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 3,950,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 18 $ 4,650,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 3,605,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 17 $ 4,215,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 17 $ 2,595,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 15 $ 2,965,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 14 $ 2,680,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 14 $ 2,920,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 3,525,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 12 $ 1,380,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 11 $ 2,775,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,895,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 11 $ 1,995,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 2,120,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 10 $ 2,730,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 10 $ 5,160,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 10 $ 540,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,915,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,715,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 9 $ 595,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 8 $ 770,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 8 $ 330,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 8 $ 2,200,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,645,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 1,942,580,000 7 $ 335,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 7 $ 1,795,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 940,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,430,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 1,100,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 6 $ 1,710,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 1,600,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 5 $ 1,035,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 525,000
Oregon Community Credit Union
2880 CHAD DRIVE
EUGENE, OR 97408
* $ 2,826,121,000 5 $ 385,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 1,455,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 5 $ 605,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 19,973,048,000 4 $ 720,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 4 $ 1,520,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 960,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 4 $ 1,000,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 4,984,416,000 4 $ 720,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 980,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 3 $ 865,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 3 $ 735,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 475,000
First Community Credit Union
200 N. ADAMS ST.
COQUILLE, OR 97423
* $ 1,761,837,000 3 $ 965,000
Rogue Credit Union
1370 CENTER DRIVE
MEDFORD, OR 97501
* $ 2,944,952,000 3 $ 305,000
Hapo Communtiy Credit Union
4 N UNION ST
RICHLAND, WA 99354
* $ 2,255,622,000 3 $ 595,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 3 $ 945,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 1,726,757,000 3 $ 255,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 14,928,781,000 3 $ 505,000
Onpoint Community Credit Union
2701 NW VAUGHN ST STE 800
PORTLAND, OR 97210
* $ 9,040,369,000 3 $ 285,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 665,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 685,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 450,000
Mortgage Express
10260 SW GREENBURG ROAD #830
PORTLAND, OR 97224
* $ -1,000 2 $ 370,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ 14,019,893,000 2 $ 140,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 2 $ 1,650,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 430,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 450,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 2 $ 210,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 2 $ 320,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 770,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 2 $ 550,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 2 $ 620,000
Golden Empire Mortgage, Inc.
1200 DISCOVERY DRIVE, SUITE 300
BAKERSFIELD, CA 93309
* $ -1,000 2 $ 180,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 680,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 70,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 330,000
Selco Community Credit Union
PO BOX 7487
SPRINGFIELD, OR 97475
* $ 2,557,099,000 2 $ 130,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 20,934,572,000 2 $ 750,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 2 $ 240,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 210,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 350,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 1 $ 85,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 285,000
Marion & Polk Schools Credit Union
PO BOX 12398
SALEM, OR 97309
* $ 1,239,515,000 1 $ 45,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 235,000
Belem Servicing, LLC dba Patriot Home Mortgage
230 N 1680 E
ST GEORGE, UT 84770
* $ -1,000 1 $ 235,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 1 $ 415,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 305,000
Lpmc, LLC dba Landmark Profess
1255 LEE ST SE
SALEM, OR 97302
* $ -1,000 1 $ 335,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 407,850,000 1 $ 335,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 175,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,677,912,000 1 $ 155,000
Northwest Community
545 EAST 8TH AVENUE
EUGENE, OR 97401
* $ 1,782,922,000 1 $ 35,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 1 $ 235,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 145,000
Rivermark Community Credit Union
14405 MEYERS RD
OREGON CITY, OR 97045
* $ 1,285,268,000 1 $ 235,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 415,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 395,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 295,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 165,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 1 $ 275,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 155,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 215,000
Mortgage Capital Partners, Inc
12400 WILSHIRE BLVD, SUITE 900
LOS ANGELES, CA 90025
* $ -1,000 1 $ 335,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 175,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 1 $ 425,000
Farmers Bank
890 SHOSHONE ST E
TWIN FALLS, ID 83301
* $ 651,824,000 1 $ 125,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 455,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 2,286,020,000 1 $ 215,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ -1,000 1 $ 145,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 225,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 85,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 125,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 1 $ 25,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 15,432,095,000 1 $ 15,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 165,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 355,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,287,872,000 1 $ 115,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 245,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 325,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 155,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 2,161,196,000 1 $ 735,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 155,000
Opportunity Bank of Montana
1400 PROSPECT AVE
HELENA, MT 59601
* $ 1,430,850,000 1 $ 315,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 11,078,690,000 1 $ 275,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 235,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 8,340,324,000 1 $ 615,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 105,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 335,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 93,199,669,000 1 $ 85,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 335,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 195,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 315,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 95,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 445,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 225,000
Sound Credit Union
1331 BROADWAY
TACOMA, WA 98402
* $ 2,548,713,000 1 $ 305,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 205,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 415,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 315,000

The tables below break down 2022 mortgage applications in Union County, OR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Union County, OR in 2022

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 513 $131,345,000 $256,000 $905,000 $102,000 $1,713,000
Cash-out Refinancing 288 $60,260,000 $209,000 $735,000 $78,000 $315,000
Refinancing 148 $25,940,000 $175,000 $785,000 $90,000 $450,000
Home Improvement 102 $9,270,000 $90,000 $505,000 $122,000 $1,409,000
Other Purpose 69 $6,225,000 $90,000 $425,000 $103,000 $428,000
Not Applicable 4 $480,000 $120,000 $175,000 $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 842 $171,280,000 $203,000 $905,000 $96,000 $1,713,000
Not Provided 127 $28,925,000 $227,000 $905,000 $96,000 $247,000
Not applicable 109 $24,115,000 $221,000 $545,000 $115,000 $115,000
Hispanic 20 $3,940,000 $197,000 $315,000 $82,000 $240,000
American Indian or Alaskan Native 13 $2,585,000 $198,000 $425,000 $100,000 $258,000
Asian 6 $1,480,000 $246,000 $345,000 $64,000 $84,000
Black or African American 4 $790,000 $197,000 $255,000 $110,000 $180,000
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) 797 $157,395,000 $197,000 $905,000 $103,000 $1,713,000
FHA-insured (Federal Housing Administration) 149 $31,735,000 $212,000 $415,000 $75,000 $272,000
VA-guaranteed (Veterans Administration) 126 $33,510,000 $265,000 $585,000 $74,000 $186,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $10,880,000 $209,000 $355,000 $69,000 $130,000

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 655 $142,195,000 $217,000 $905,000 $100,000 $1,409,000
Application Denied By Financial Institution 152 $25,700,000 $169,000 $835,000 $83,000 $450,000
Application Withdrawn By Applicant 131 $26,975,000 $205,000 $845,000 $88,000 $515,000
Loan Purchased By The Institution 115 $25,065,000 $217,000 $455,000 $96,000 $168,000
File Closed For Incompleteness 43 $8,995,000 $209,000 $905,000 $119,000 $1,713,000
Application Approved But Not Accepted 25 $4,145,000 $165,000 $405,000 $82,000 $216,000
Preapproval Approved but not Accepted 2 $360,000 $180,000 $215,000 $98,000 $149,000
Preapproval Denied by Financial Institution 1 $85,000 $85,000 $85,000 $15,000 $15,000

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 971 $207,735,000 $213,000 $905,000 $98,000 $1,713,000
Collateral 39 $7,475,000 $191,000 $585,000 $86,000 $327,000
Credit History 37 $4,725,000 $127,000 $835,000 $97,000 $450,000
Debt-To-Income Ratio 32 $5,920,000 $185,000 $455,000 $51,000 $190,000
Credit Application Incomplete 20 $3,450,000 $172,000 $435,000 $105,000 $428,000
Other 17 $2,825,000 $166,000 $425,000 $73,000 $137,000
Unverifiable Information 5 $915,000 $183,000 $305,000 $100,000 $173,000
Insufficient Cash (Downpayment, Closing Cost) 2 $270,000 $135,000 $215,000 $62,000 $101,000
Employment History 1 $205,000 $205,000 $205,000 $40,000 $40,000
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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