Upshur County, TX Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,371 mortgage applications in Upshur County, TX totaling $162.5 million, down 11% from 2013. The average application was for $118,000, and applicants reported an average income of $72,000. 49% of applications resulted in an originated loan and 22% were denied. The most active lender was 21st Mortgage, with 102 applications, followed by Wells Fargo Bank NA and First National Bank of East Texas.

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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 1,371
Total Mortgage Loan Application Amount $162,468,000
Average Mortgage Loan Application Amount $118,000
Highest Mortgage Loan Application Amount $1,250,000
Average Applicant Income $72,000
Highest Applicant Income $3,572,000

Mortgage Company List for Lending in Upshur County, TX for 2014

* 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
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 102 $ 5,889,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 83 $ 11,034,000
First National Bank of East Texas
206 US HWY 271 N
GILMER, TX 75644
* $ 272,523,000 81 $ 9,732,000
Austin Bank, Texas National Association
PO BOX 1537
JACKSONVILLE, TX 75766
* $ 1,439,715,000 70 $ 7,906,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 65 $ 5,291,000
Gilmer National Bank, Gilmer, Texas
P O BOX 460
GILMER, TX 75644
* $ 213,542,000 61 $ 4,907,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 42 $ 4,867,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 35 $ 4,901,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 30 $ 4,076,000
Spring Hill State Bank
3700 GILMER ROAD
LONGVIEW, TX 75604
* $ 180,696,000 28 $ 2,878,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 28 $ 4,277,000
East Texas Professional C.U.
409 E. LOOP 281
LONGVIEW, TX 75605
* $ 526,574,000 28 $ 2,663,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 22 $ 3,183,000
Verabank,N.A.
P.O. BOX 1009
HENDERSON, TX 75653
* $ 1,259,678,000 21 $ 3,590,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ 1,906,390,000 21 $ 3,512,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 20 $ 2,520,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 19 $ 2,478,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 2,841,126,000 19 $ 2,793,000
North East Texas Credit Union
PO BOX 1480
LONE STAR, TX 75638
* $ 128,450,000 18 $ 1,566,000
Community Bank
PO BOX 2232
LONGVIEW, TX 75606
* $ 224,179,000 18 $ 2,126,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 18,638,685,000 18 $ 1,189,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 16 $ 1,147,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 16 $ 2,149,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 16 $ 2,037,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 15 $ 2,234,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 15 $ 2,269,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 13 $ 821,000
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ 1,246,913,000 12 $ 2,662,000
Gladewater National Bank
678 N MAIN
GLADEWATER, TX 75647
* $ 55,642,000 12 $ 1,043,000
Bth Bank, National Association
412 E GOODE
QUITMAN, TX 75783
* $ 400,167,000 12 $ 2,235,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,032,498,000 11 $ 1,668,000
Cypress Bank State Savings Bank
120 S GREER BLVD
PITTSBURG, TX 75686
* $ 175,197,000 11 $ 1,506,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 11 $ 1,443,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 10 $ 40,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 10 $ 1,362,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 10 $ 1,101,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 153,023,000 9 $ 879,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 9 $ 761,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 9 $ 1,380,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 8 $ 1,280,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 8 $ 1,669,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 8 $ 689,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 8 $ 749,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 8 $ 1,140,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 7 $ 1,075,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 7 $ 833,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 6 $ 233,000
Texas National Bank of Jacksonville
1518 E GRANDE BLVD
TYLER, TX 75703
* $ 356,307,000 6 $ 1,670,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 71,737,435,000 6 $ 1,023,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 116,608,550,000 6 $ 455,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 488,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 5 $ 685,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 5 $ 154,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 365,000
First Bank & Trust East Texas
104 N TEMPLE BLVD
DIBOLL, TX 75941
* $ 861,637,000 5 $ 524,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 4 $ 520,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 4 $ 815,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 4 $ 632,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 4 $ 455,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 4 $ 1,080,000
Telco Plus Credit Union
423 GILMER RD
LONGVIEW, TX 75604
* $ 65,081,000 4 $ 216,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 635,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 4 $ 653,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 3 $ 429,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 331,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 2,184,373,000 3 $ 651,000
Texas Bank
P O BOX 1190
HENDERSON, TX 75652
* $ 331,226,000 3 $ 235,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 3 $ 228,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 3 $ 351,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 210,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 3 $ 808,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 3 $ 349,000
Southside Bank
1201 S BECKHAM
TYLER, TX 75701
* $ 3,441,570,000 3 $ 271,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 3 $ 493,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 3 $ 332,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 471,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 2 $ 322,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 500,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 2 $ 212,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 410,000
Houstonian Mortgage Group Inc
11490 WESTHEIMER #825
HOUSTON, TX 77077
* $ 17,008,000 2 $ 271,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 436,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 2 $ 440,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 986,791,000 2 $ 310,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 228,000
Midsouth Bank, National Association
102 VERSAILLES BLVD
LAFAYETTE, LA 70501
* $ 1,848,517,000 2 $ 98,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 400,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 967,098,000 2 $ 362,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 2,352,853,000 2 $ 480,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 189,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 379,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 323,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 2 $ 277,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 134,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 152,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 406,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 170,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 2 $ 256,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 2 $ 231,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 2 $ 222,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 103,000
Alliance Bank
P.O. BOX 500
SULPHUR SPRINGS, TX 75483
* $ 594,523,000 2 $ 170,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 2,378,157,000 2 $ 544,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 231,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 598,835,000 2 $ 134,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 2 $ 353,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 243,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 2 $ 286,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 125,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 146,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 99,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 6,437,850,000 1 $ 28,000
Texas Heritage National Bank
107 WEBB STREET
DAINGERFIELD, TX 75638
* $ 104,972,000 1 $ 383,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ 1,086,046,000 1 $ 40,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 94,000
Firstmark Credit Union
2023 GOLD CANYON DR.
SAN ANTONIO, TX 78232
* $ 816,933,000 1 $ 110,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 1 $ 114,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 124,000
One Mortgage, Inc.
105 DECKER COURT, #750
IRVING, TX 75062
* $ 5,868,000 1 $ 112,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 143,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 70,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 1 $ 255,000
Sente Mortgage, Inc.
4520 BURNET ROAD
AUSTIN, TX 78756
* $ 1,000,000,000 1 $ 188,000
Dha Financial, LLC
7600 E. ARAPAHOE RD. SUITE 319
CENTENNIAL, CO 80112
* $ 1,545,000 1 $ 106,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 201,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 225,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 163,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 141,772,000 1 $ 306,000
Shareplus Bank
5224 W PLANO PARKWAY
PLANO, TX 75093
* $ 303,563,000 1 $ 117,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 1 $ 142,000
American State Bank
1116 TROUP HWY
ARP, TX 75701
* $ 260,025,000 1 $ 100,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 1 $ 142,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 566,962,000 1 $ 48,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 485,792,000 1 $ 183,000
Henderson Federal Savings Bank
130 N MARSHALL ST.
HENDERSON, TX 75652
* $ 111,733,000 1 $ 214,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 1 $ 25,000
United Heritage Credit Union
12208 N MOPAC EXPY
AUSTIN, TX 78759
* $ 765,123,000 1 $ 72,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 84,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 127,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 226,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 74,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 176,000
Ameripro Funding
8300 N. MOPAC EXPRESSWAY SUITE 120
AUSTIN, TX 78759
* $ 40,000,000 1 $ 172,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 80,000
Willow Bend Mortgage Company, LLC
5800 W PLANO PKWY STE 105
PLANO, TX 75093
* $ 22,642,000 1 $ 275,000
Integrity Mortgage Corporation of Texas
5 HORIZON CT
HEATH, TX 75032
* $ 7,939,000 1 $ 188,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 825,044,000 1 $ 275,000

The tables below break down 2014 mortgage applications in Upshur County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Upshur County, TX in 2014

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 855 $104,526,000 $122,000 $1,250,000 $74,000 $3,572,000
Refinancing 408 $50,741,000 $124,000 $423,000 $65,000 $426,000
Home Improvement 108 $7,201,000 $66,000 $400,000 $89,000 $491,000

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 1,002 $121,783,000 $121,000 $829,000 $84,000 $3,572,000
Not applicable 137 $18,044,000 $131,000 $1,250,000 $3,000 $114,000
Black or African American 80 $7,482,000 $93,000 $306,000 $45,000 $118,000
Hispanic 78 $7,277,000 $93,000 $406,000 $72,000 $919,000
Not Provided 57 $6,207,000 $108,000 $395,000 $71,000 $239,000
American Indian or Alaskan Native 10 $734,000 $73,000 $130,000 $45,000 $86,000
Asian 5 $548,000 $109,000 $225,000 $58,000 $117,000
Native Hawaiian or Other Pacific Islander 2 $393,000 $196,000 $306,000 $184,000 $290,000

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) 978 $110,804,000 $113,000 $1,250,000 $85,000 $3,572,000
FHA-insured (Federal Housing Administration) 215 $27,258,000 $126,000 $276,000 $42,000 $170,000
VA-guaranteed (Veterans Administration) 99 $14,662,000 $148,000 $395,000 $42,000 $124,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 79 $9,744,000 $123,000 $268,000 $29,000 $76,000

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 668 $82,339,000 $123,000 $1,250,000 $83,000 $919,000
Application Denied By Financial Institution 302 $28,979,000 $95,000 $417,000 $73,000 $3,572,000
Loan Purchased By The Institution 181 $25,062,000 $138,000 $358,000 $29,000 $250,000
Application Approved But Not Accepted 98 $9,727,000 $99,000 $446,000 $68,000 $272,000
Application Withdrawn By Applicant 88 $12,656,000 $143,000 $406,000 $90,000 $919,000
File Closed For Incompleteness 34 $3,705,000 $108,000 $304,000 $58,000 $185,000
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 48 $4,163,000 $86,000 $330,000 $76,000 $261,000
Debt-To-Income Ratio 35 $4,034,000 $115,000 $313,000 $56,000 $200,000
Collateral 29 $4,231,000 $145,000 $417,000 $92,000 $298,000
Other 16 $2,121,000 $132,000 $287,000 $280,000 $3,572,000
Credit Application Incomplete 8 $1,049,000 $131,000 $245,000 $55,000 $118,000
Employment History 3 $313,000 $104,000 $147,000 $49,000 $61,000
Insufficient Cash (Downpayment, Closing Cost) 3 $330,000 $110,000 $160,000 $60,000 $98,000
Unverifiable Information 1 $82,000 $82,000 $82,000 $100,000 $100,000
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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