Vance County, NC Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,116 mortgage applications in Vance County, NC totaling $137.2 million, up 3% from 2017. The average application was for $122,000, and applicants reported an average income of $71,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was State Employees' Credit Union, with 211 applications, followed by Truist Bank and Benchmark Community Bank.

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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 1,116
Total Mortgage Loan Application Amount $137,240,000
Average Mortgage Loan Application Amount $122,000
Highest Mortgage Loan Application Amount $955,000
Average Applicant Income $71,000
Highest Applicant Income $534,000

Mortgage Company List for Lending in Vance County, NC for 2018

* 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
* $ 37,318,930,000 211 $ 23,255,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 64 $ 6,650,000
Benchmark Community Bank
P O BOX 569
KENBRIDGE, VA 23944
* $ 595,226,000 56 $ 10,410,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 46 $ 2,970,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 40 $ 2,500,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 1,909,115,000 35 $ 3,705,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 34 $ 3,370,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 34,346,930,000 29 $ 2,965,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 27 $ 3,655,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 26 $ 3,200,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 2,912,894,000 25 $ 2,595,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 2,615,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 17 $ 2,895,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 2,165,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 14 $ 1,500,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 945,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 11 $ 2,165,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,395,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,120,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 1,710,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,050,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 9 $ 1,305,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 9 $ 815,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 8 $ 1,470,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ 1,887,386,000 8 $ 940,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 8 $ 780,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 7 $ 325,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 833,451,000 7 $ 1,445,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 7 $ 555,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 7 $ 495,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,865,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,135,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 6 $ 860,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 260,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 6 $ 750,000
Union Bank
1011 RED BANKS RD
GREENVILLE, NC 27858
* $ 702,528,000 6 $ 880,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 6 $ 890,000
Touchstone Bank

PRINCE GEORGE, VA 23875
* $ 439,388,000 5 $ 795,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 605,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 535,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 795,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 31,211,939,000 5 $ 415,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 5 $ 655,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 635,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 405,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 5 $ 1,025,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 4 $ 370,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 4 $ 580,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 570,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 550,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 4 $ 270,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 4 $ 410,000
Agcarolina Farm Credit, Aca
PO BOX 14789 4000 POOLE ROAD
RALEIGH, NC 27610
* $ -1,000 3 $ 685,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 3 $ 465,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 445,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 345,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 535,000
Potomac Mortgage Group, Inc.
4035 RIDGE TOP ROAD, SUITE 100
FAIRFAX, VA 22030
* $ -1,000 3 $ 545,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 165,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 3 $ 775,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 215,000
State Bank and Trust Company
4219 FORSYTH ROAD
MACON, GA 31210
* $ 4,946,189,000 3 $ 825,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 705,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 3 $ 735,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 375,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 3 $ 465,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 2 $ 320,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 250,000
Signal Financial FCU
3015 UNIVERSITY BLVD., W
KENSINGTON, MD 20895
* $ 383,937,000 2 $ 90,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 2 $ 470,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 590,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 360,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 2,580,152,000 2 $ 360,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 320,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 190,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 2 $ 380,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 2 $ 270,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 370,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 380,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 190,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 400,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 8,273,309,000 2 $ 150,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 160,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 700,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 2 $ 140,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 210,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 2 $ 390,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 180,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 2 $ 40,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 320,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 456,924,000 2 $ 480,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 2 $ 150,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 9,805,580,000 2 $ 330,000
Summit Credit Union
8210 WEST MARKET ST
GREENSBORO, NC 27409
* $ 235,200,000 2 $ 470,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 2 $ 310,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 410,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 110,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 290,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 280,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 220,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 8,294,175,000 1 $ 325,000
Inspire Home Loans Inc.
4695 MACARTHUR COURT SUITE 350
NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 175,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 1 $ 225,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 11,903,875,000 1 $ 375,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 1 $ 55,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 305,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 285,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 85,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 145,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 2,242,512,000 1 $ 55,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 5,000
Mission Mortgage LLC
13550 FALLING WATER ROAD
WILMINGTON, DE 44136
* $ -1,000 1 $ 185,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,395,305,000 1 $ 15,000
Marine Federal Credit Union
4180 WESTERN BLVD
JACKSONVILLE, NC 28546
* $ 717,374,000 1 $ 305,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 175,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 145,000
Fidelity Bank
3 CORPORATE BLVD NE
ATLANTA, GA 30329
* $ 4,574,627,000 1 $ 145,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 1 $ 155,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 1 $ 85,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 145,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,528,090,000 1 $ 175,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 145,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 631,522,000 1 $ 325,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 165,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 95,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 75,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 105,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 235,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ -1,000 1 $ 145,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 5,000
Sandy Spring Bank
6831 BENJAMIN FRANKIN DRIVE
COLUMBIA, MD 21046
* $ 5,437,085,000 1 $ 125,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 15,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 175,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 2,278,189,000 1 $ 155,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,107,765,000 1 $ 135,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 1 $ 55,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 4,112,292,000 1 $ 205,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 335,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 175,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,376,902,000 1 $ 295,000
Corporate America Family CU
2445 ALFT LANE
ELGIN, IL 60123
* $ 602,549,000 1 $ 35,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 35,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ -1,000 1 $ 165,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 8,522,273,000 1 $ 115,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 75,000
Ovm Financial, Inc.
816 GREENBRIER CIRCLE SUITE 100
CHESAPEAKE, VA 23320
* $ -1,000 1 $ 75,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 125,000
Towne Mtg of the Carolinas,Llc
4515 FALLS OF NEUSE RD, STE 300
RALEIGH, NC 27612
* $ -1,000 1 $ 65,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 85,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 65,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 35,000

The tables below break down 2018 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 2018

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 $71,645,000 $139,000 $955,000 $69,000 $334,000
Refinancing 262 $33,020,000 $126,000 $705,000 $75,000 $534,000
Cash-out Refinancing 146 $19,880,000 $136,000 $405,000 $67,000 $260,000
Other Purpose 88 $5,750,000 $65,000 $385,000 $82,000 $455,000
Home Improvement 76 $4,310,000 $56,000 $405,000 $64,000 $343,000
Not Applicable 31 $2,635,000 $85,000 $305,000 $81,000 $89,000

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 512 $64,520,000 $126,000 $535,000 $80,000 $534,000
Black or African American 334 $34,020,000 $101,000 $375,000 $57,000 $343,000
Not applicable 119 $20,255,000 $170,000 $955,000 $65,000 $89,000
Not Provided 105 $13,385,000 $127,000 $455,000 $68,000 $418,000
Hispanic 27 $3,425,000 $126,000 $345,000 $64,000 $260,000
Asian 7 $635,000 $90,000 $135,000 $52,000 $89,000
American Indian or Alaskan Native 4 $450,000 $112,000 $165,000 $99,000 $223,000
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) 788 $91,840,000 $116,000 $955,000 $76,000 $534,000
FHA-insured (Federal Housing Administration) 197 $23,995,000 $121,000 $285,000 $51,000 $121,000
VA-guaranteed (Veterans Administration) 100 $17,010,000 $170,000 $405,000 $68,000 $260,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $4,395,000 $141,000 $195,000 $44,000 $82,000

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 558 $73,290,000 $131,000 $955,000 $78,000 $534,000
Application Denied By Financial Institution 234 $24,120,000 $103,000 $405,000 $57,000 $343,000
Application Withdrawn By Applicant 127 $15,195,000 $119,000 $335,000 $70,000 $274,000
Loan Purchased By The Institution 108 $14,950,000 $138,000 $445,000 $72,000 $181,000
File Closed For Incompleteness 57 $5,945,000 $104,000 $305,000 $61,000 $178,000
Application Approved But Not Accepted 32 $3,740,000 $116,000 $455,000 $77,000 $192,000
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 809 $100,125,000 $123,000 $535,000 $73,000 $455,000
Debt-To-Income Ratio 134 $19,860,000 $148,000 $955,000 $72,000 $534,000
Credit History 69 $6,825,000 $98,000 $375,000 $57,000 $260,000
Collateral 54 $5,030,000 $93,000 $205,000 $66,000 $197,000
Credit Application Incomplete 18 $2,060,000 $114,000 $325,000 $55,000 $123,000
Other 16 $1,870,000 $116,000 $405,000 $82,000 $343,000
Unverifiable Information 8 $640,000 $80,000 $205,000 $42,000 $75,000
Insufficient Cash (Downpayment, Closing Cost) 6 $450,000 $75,000 $135,000 $57,000 $76,000
Employment History 2 $380,000 $190,000 $225,000 $45,000 $54,000
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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