Vance County, NC Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 975 mortgage applications in Vance County, NC totaling $107.8 million, up 11% from 2014. The average application was for $110,000, and applicants reported an average income of $55,000. 43% of applications resulted in an originated loan and 26% were denied. The most active lender was State Employees' Credit Union, with 133 applications, followed by Truist Bank and Vanderbilt Mortgage and Finance, Inc.
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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 | 975 |
| Total Mortgage Loan Application Amount | $107,811,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $1,765,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 29,477,544,000 | 133 | $ 13,707,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 114 | $ 13,332,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 89 | $ 6,903,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 43 | $ 5,026,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 35 | $ 5,065,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 31 | $ 613,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 30 | $ 1,771,000 |
| Union Bk 108 COLLEGE STREET OXFORD, NC 27565 |
* | $ 241,105,000 | 22 | $ 1,848,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 21 | $ 2,536,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 20 | $ 1,500,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,458,059,000 | 20 | $ 1,946,000 |
| North State Bank 6200 FALLS OF THE NEUSE ROAD RALEIGH, NC 27609 |
* | $ 685,958,000 | 18 | $ 2,190,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,610,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 16 | $ 2,602,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 15 | $ 2,037,000 |
| Finance of America Commercial LLC 6230 FAIRVIEW ROAD, SUITE 300 CHARLOTTE, NC 28210 |
* | $ 214,531,000 | 14 | $ 507,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 13 | $ 1,675,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 12 | $ 956,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 10 | $ 985,000 |
| Benchmark Community Bank P O BOX 569 KENBRIDGE, VA 23944 |
* | $ 489,936,000 | 9 | $ 988,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,532,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 897,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 21,553,919,000 | 8 | $ 1,231,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 7 | $ 665,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 7 | $ 828,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 1,110,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 555,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 6 | $ 1,287,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 3,083,087,000 | 6 | $ 614,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 6 | $ 413,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 783,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 635,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 6 | $ 1,142,000 |
| Southern Bank and Trust Compan PO BOX 729 MT OLIVE, NC 28365 |
* | $ 2,181,013,000 | 5 | $ 291,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 5 | $ 622,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 5 | $ 504,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 579,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 828,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 5 | $ 749,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 1,660,975,000 | 5 | $ 629,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 4 | $ 624,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 4 | $ 439,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 928,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 407,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 3 | $ 130,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 304,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ 10,000,000 | 3 | $ 750,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ 10,000,000 | 3 | $ 468,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 275,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 159,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 3 | $ 581,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 2,421,680,000 | 3 | $ 411,000 |
| The Fidelity Bank 100 S. MAIN STREET FUQUAY-VARINA, NC 27526 |
* | $ 1,636,889,000 | 3 | $ 104,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 627,629,000 | 3 | $ 144,000 |
| Tidewater Mortgage Services, Inc 200 GOLDEN OAK COURT STE. 100 VIRGINIA BEACH, VA 26452 |
* | $ 100,000,000 | 3 | $ 226,000 |
| Newbridge Bank 1501 HIGHWOODS BLVD, SUITE 400 GREENSBORO, NC 27410 |
* | $ 2,518,181,000 | 3 | $ 477,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 208,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 2 | $ 314,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 291,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 679,799,000 | 2 | $ 301,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 80,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 213,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 454,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,770,509,000 | 2 | $ 376,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 2 | $ 181,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 124,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 2 | $ 145,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 288,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 467,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 2 | $ 376,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 141,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 2 | $ 118,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 2 | $ 193,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 129,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 1 | $ 79,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 87,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 25,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 1 | $ 133,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 1 | $ 23,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 1 | $ 15,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 1 | $ 425,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 727,505,000 | 1 | $ 100,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 1 | $ 258,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 111,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 44,281,869,000 | 1 | $ 258,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ 16,639,000 | 1 | $ 170,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 149,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 1 | $ 171,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ 0 | 1 | $ 139,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 147,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 1 | $ 138,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 127,000 |
| New Republic Savings Bank 420 BECKER DRIVE ROANOKE RAPIDS, NC 27870 |
* | $ 59,851,000 | 1 | $ 365,000 |
| Providence Bank 450 N WINSTEAD AVE ROCKY MOUNT, NC 27803 |
* | $ 236,995,000 | 1 | $ 130,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 1 | $ 102,000 |
| Coastalstates Bank 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 389,720,000 | 1 | $ 87,000 |
| The Freedom Bank of Virginia 10555 MAIN STREET FAIRFAX, VA 22030 |
* | $ 342,612,000 | 1 | $ 195,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 2,642,432,000 | 1 | $ 72,000 |
| Apci Federal Credit Union PO BOX 20147 LEHIGH VALLEY, PA 18002 |
* | $ 513,910,000 | 1 | $ 15,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ 870,523,000 | 1 | $ 200,000 |
| Latino Community Credit Union P.O. DRAWER 25279 DURHAM, NC 27709 |
* | $ 151,199,000 | 1 | $ 58,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 111,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Four Oaks Bank and Trust 6114 US HWY 301 S FOUR OAKS, NC 27524 |
* | $ 820,454,000 | 1 | $ 75,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 52,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 215,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 122,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ 0 | 1 | $ 114,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ 41,332,772,000 | 1 | $ 50,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 341,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 270,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 121,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 366,850,000 | 1 | $ 131,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,629,941,000 | 1 | $ 303,000 |
| First Tn Bk NA 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 6,830,545,000 | 1 | $ 2,000,000 |
The tables below break down 2015 mortgage applications in Vance County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Vance County, NC in 2015
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 | 478 | $61,270,000 | $128,000 | $2,000,000 | $58,000 | $1,765,000 |
| Home Purchase | 410 | $42,900,000 | $104,000 | $419,000 | $51,000 | $634,000 |
| Home Improvement | 87 | $3,641,000 | $41,000 | $320,000 | $51,000 | $167,000 |
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 | 467 | $58,318,000 | $124,000 | $2,000,000 | $71,000 | $1,765,000 |
| Black or African American | 295 | $27,011,000 | $91,000 | $349,000 | $45,000 | $445,000 |
| Not applicable | 102 | $10,848,000 | $106,000 | $625,000 | $5,000 | $252,000 |
| Not Provided | 86 | $9,716,000 | $112,000 | $341,000 | $63,000 | $634,000 |
| Hispanic | 22 | $1,701,000 | $77,000 | $207,000 | $36,000 | $90,000 |
| American Indian or Alaskan Native | 3 | $217,000 | $72,000 | $93,000 | $41,000 | $53,000 |
| Asian | 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) | 683 | $71,187,000 | $104,000 | $2,000,000 | $64,000 | $1,765,000 |
| FHA-insured (Federal Housing Administration) | 150 | $15,802,000 | $105,000 | $269,000 | $26,000 | $131,000 |
| VA-guaranteed (Veterans Administration) | 92 | $15,673,000 | $170,000 | $479,000 | $50,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 50 | $5,149,000 | $102,000 | $207,000 | $27,000 | $70,000 |
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 | 419 | $51,067,000 | $121,000 | $2,000,000 | $65,000 | $724,000 |
| Application Denied By Financial Institution | 249 | $23,226,000 | $93,000 | $425,000 | $50,000 | $634,000 |
| Application Withdrawn By Applicant | 102 | $12,185,000 | $119,000 | $380,000 | $65,000 | $1,765,000 |
| File Closed For Incompleteness | 88 | $8,051,000 | $91,000 | $479,000 | $47,000 | $341,000 |
| Loan Purchased By The Institution | 88 | $9,806,000 | $111,000 | $340,000 | $18,000 | $252,000 |
| Application Approved But Not Accepted | 29 | $3,476,000 | $119,000 | $330,000 | $42,000 | $147,000 |
| 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 | 62 | $3,978,000 | $64,000 | $425,000 | $47,000 | $192,000 |
| Collateral | 36 | $3,831,000 | $106,000 | $338,000 | $60,000 | $147,000 |
| Debt-To-Income Ratio | 29 | $2,641,000 | $91,000 | $337,000 | $62,000 | $634,000 |
| Other | 13 | $1,109,000 | $85,000 | $164,000 | $57,000 | $104,000 |
| Credit Application Incomplete | 10 | $892,000 | $89,000 | $194,000 | $36,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $648,000 | $129,000 | $358,000 | $106,000 | $400,000 |
| Employment History | 4 | $250,000 | $62,000 | $163,000 | $32,000 | $44,000 |
| Unverifiable Information | 3 | $116,000 | $38,000 | $68,000 | $32,000 | $46,000 |
| 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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