Union County, TN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,052 mortgage applications in Union County, TN totaling $242.7 million, up 24% from 2023. The average application was for $230,000, and applicants reported an average income of $107,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 101 applications, followed by Ornl Federal Credit Union and DHI Mortgage Company, Ltd..

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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 1,052
Total Mortgage Loan Application Amount $242,650,000
Average Mortgage Loan Application Amount $230,000
Highest Mortgage Loan Application Amount $2,635,000
Average Applicant Income $107,000
Highest Applicant Income $2,796,000

Mortgage Company List for Lending in Union County, TN for 2024

* 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 101 $ 12,555,000
Ornl Federal Credit Union
221 SOUTH RUTGERS AVENUE
OAK RIDGE, TN 37830
* $ n/a 52 $ 11,300,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 46 $ 11,350,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 40 $ 10,950,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 36 $ 9,910,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 33 $ 10,215,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 27 $ 4,695,000
First Century Bank
1780 NORTH BROAD STREET
TAZEWELL, TN 37879
* $ n/a 26 $ 9,460,000
Knoxville Tva Employees Credit Union
301 WALL AVE
KNOXVILLE, TN 37932
* $ n/a 22 $ 2,470,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ n/a 22 $ 5,260,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 22 $ 3,040,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 19 $ 4,035,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 19 $ 2,175,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 18 $ 3,810,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 18 $ 4,110,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 17 $ 2,405,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 17 $ 3,315,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 17 $ 5,295,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 16 $ 3,020,000
Y-12 Federal Credit Union
501 LAFAYETTE DR
OAK RIDGE, TN 37830
* $ n/a 15 $ 1,315,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 15 $ 2,035,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 14 $ 4,350,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 14 $ 3,210,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 14 $ 4,660,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 13 $ 3,815,000
Home Federal Bank of Tennessee
515 MARKET STREET
KNOXVILLE, TN 37902
* $ n/a 13 $ 3,595,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 12 $ 3,460,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 11 $ 2,685,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 9 $ 2,625,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 9 $ 1,095,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 8 $ 1,940,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 700,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 8 $ 2,040,000
Hearthside Bank Corporation
1602 CUMBERLAND AVENUE
MIDDLESBORO, KY 40965
* $ n/a 7 $ 2,435,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 7 $ 1,185,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 6 $ 580,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 6 $ 640,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 6 $ 1,310,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 6 $ 1,560,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 6 $ 1,040,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 5 $ 2,435,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 5 $ 1,865,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 705,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 885,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 5 $ 1,105,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 5 $ 1,725,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 5 $ 195,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 4 $ 1,150,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 780,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 4 $ 1,380,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 4 $ 1,090,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 4 $ 930,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 4 $ 970,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 4 $ 920,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 4 $ 1,500,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 4 $ 880,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 1,280,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 4 $ 1,020,000
Peoples Bank of the South
106 WEST CENTRAL AVENUE
LA FOLLETTE, TN 37766
* $ n/a 4 $ 1,270,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 2,160,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 3 $ 3,525,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 3 $ 555,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 825,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 3 $ 95,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 3 $ 695,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 3 $ 605,000
Ut Federal Credit Union
2100 WHITE AVENUE
KNOXVILLE, TN 37919
* $ n/a 3 $ 405,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 3 $ 935,000
City Employees Credit Union
1720 WESTERN AVENUE
KNOXVILLE, TN 37921
* $ n/a 3 $ 175,000
Tnconnect Credit Union
6211 MIDDLEBROOK PIKE
KNOXVILLE, TN 37909
* $ n/a 3 $ 305,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 3 $ 765,000
Citizes Bank & Trust Company of Grainger County
8335 RUTLEDGE PIKE
RUTLEDGE, TN 37861
* $ n/a 3 $ 325,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 3 $ 705,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 3 $ 1,085,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 3 $ 405,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 630,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 2 $ 2,150,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 380,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 510,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 2 $ 760,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 2 $ 570,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 910,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ n/a 2 $ 870,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 550,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 2 $ 460,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 2 $ 340,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 290,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 270,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 160,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 490,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 2 $ 250,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 430,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 2 $ 360,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 650,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 390,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 380,000
Trustmark Bank
PO BOX 291
JACKSON, MS 39201
* $ n/a 2 $ 210,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 500,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ n/a 2 $ 420,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 260,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 440,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 1 $ 255,000
CU Community, LLC
2077 TOWN CENTER BOULEVARD
KNOXVILLE, TN 37922
* $ n/a 1 $ 245,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ n/a 1 $ 455,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 1 $ 165,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ n/a 1 $ 265,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 135,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 255,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 275,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 85,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ n/a 1 $ 475,000
Tnbank
401 S ILLINOIS AVENUE
OAK RIDGE, TN 37830
* $ n/a 1 $ 485,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 305,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 235,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ n/a 1 $ 175,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 135,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 495,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 525,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 245,000
Countybank
425 MAIN STREET
GREENWOOD, SC 29648
* $ n/a 1 $ 245,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ n/a 1 $ 245,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ n/a 1 $ 545,000
Consumer Credit Union
3634 E. ANDREW JOHNSON HIGHWAY
GREENEVILLE, TN 37745
* $ n/a 1 $ 85,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 1 $ 1,135,000
Southeast Bank
192 N SEVEN OAKS DR
FARRAGUT, TN 37934
* $ n/a 1 $ 365,000
Tennessee Valley Federal C U
535 CHESTNUT STREET
CHATTANOOGA, TN 37402
* $ n/a 1 $ 305,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 1,075,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 175,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 85,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 335,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 105,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 955,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 155,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 365,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 1 $ 75,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 465,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 175,000
Knoxville Teachers FCU
711 N HALL OF FAME DR
KNOXVILLE, TN 37917
* $ n/a 1 $ 345,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 175,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 1 $ 115,000
Bank Five Nine
155 W. WISCONSIN AVENUE
OCONOMOWOC, WI 53066
* $ n/a 1 $ 2,635,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 175,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ n/a 1 $ 55,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 105,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 1 $ 425,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 665,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ n/a 1 $ 135,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 125,000
First State Bank of the Southeast

OAK RIDGE, TN 37830
* $ n/a 1 $ 305,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 265,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 1 $ 575,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 235,000
Ubank
PO BOX 120
JELLICO, TN 37762
* $ n/a 1 $ 375,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 185,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 555,000

The tables below break down 2024 mortgage applications in Union County, TN 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, TN in 2024

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 644 $168,230,000 $261,000 $2,635,000 $111,000 $2,796,000
Cash-out Refinancing 183 $36,855,000 $201,000 $1,155,000 $82,000 $327,000
Refinancing 86 $24,070,000 $279,000 $1,285,000 $140,000 $1,173,000
Home Improvement 71 $6,395,000 $90,000 $405,000 $98,000 $519,000
Other Purpose 68 $7,100,000 $104,000 $405,000 $117,000 $700,000
Not Applicable 0 $0 $0 $0 $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 826 $184,690,000 $223,000 $1,925,000 $110,000 $2,796,000
Not Provided 94 $21,850,000 $232,000 $1,135,000 $86,000 $526,000
Not applicable 87 $27,395,000 $314,000 $2,635,000 $113,000 $262,000
Hispanic 27 $5,665,000 $209,000 $465,000 $94,000 $444,000
Black or African American 9 $1,735,000 $192,000 $375,000 $55,000 $122,000
American Indian or Alaskan Native 7 $885,000 $126,000 $175,000 $123,000 $516,000
Asian 2 $430,000 $215,000 $285,000 $67,000 $97,000
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) 704 $148,050,000 $210,000 $2,635,000 $117,000 $2,796,000
FHA-insured (Federal Housing Administration) 219 $51,515,000 $235,000 $505,000 $74,000 $174,000
VA-guaranteed (Veterans Administration) 103 $36,315,000 $352,000 $1,005,000 $99,000 $357,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 26 $6,770,000 $260,000 $405,000 $83,000 $141,000

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 509 $129,335,000 $254,000 $1,925,000 $118,000 $2,796,000
Application Denied By Financial Institution 222 $38,250,000 $172,000 $1,155,000 $84,000 $700,000
Application Withdrawn By Applicant 120 $26,770,000 $223,000 $765,000 $105,000 $626,000
Loan Purchased By The Institution 83 $23,755,000 $286,000 $955,000 $127,000 $411,000
File Closed For Incompleteness 73 $12,235,000 $167,000 $1,135,000 $83,000 $526,000
Application Approved But Not Accepted 45 $12,305,000 $273,000 $2,635,000 $131,000 $1,250,000
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
Not applicable 788 $189,640,000 $240,000 $2,635,000 $103,000 $1,173,000
Debt-To-Income Ratio 100 $25,810,000 $258,000 $1,255,000 $166,000 $2,796,000
Credit History 84 $10,920,000 $130,000 $315,000 $86,000 $673,000
Collateral 22 $3,780,000 $171,000 $435,000 $103,000 $310,000
Credit Application Incomplete 21 $5,825,000 $277,000 $895,000 $94,000 $375,000
Unverifiable Information 21 $2,955,000 $140,000 $305,000 $67,000 $140,000
Other 9 $2,555,000 $283,000 $585,000 $94,000 $141,000
Insufficient Cash (Downpayment, Closing Cost) 6 $970,000 $161,000 $245,000 $66,000 $140,000
Employment History 1 $195,000 $195,000 $195,000 $0 $0
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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