Vernon Parish, LA Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,484 mortgage applications in Vernon Parish, LA totaling $188.3 million, down 22% from 2013. The average application was for $126,000, and applicants reported an average income of $62,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was Wells Fargo Bank NA, with 153 applications, followed by City Savings Bank & Trust Company and Merchants & Farmers Bank & Tc.
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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 | 1,484 |
| Total Mortgage Loan Application Amount | $188,290,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $1,311,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $922,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 153 | $ 22,765,000 |
| City Savings Bank & Trust Company 301 NORTH PINE STREET DERIDDER, LA 70634 |
* | $ 276,083,000 | 115 | $ 9,522,000 |
| Merchants & Farmers Bank & Tc 501 SOUTH FIFTH ST LEESVILLE, LA 71446 |
* | $ 314,299,000 | 104 | $ 9,147,000 |
| Eustis Mortgage Corp 1100 POYDRAS STREET SUITE 2525 NEW ORLEANS, LA 70115 |
* | $ 10,000,000 | 92 | $ 16,631,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 86 | $ 5,705,000 |
| Sabine State Bank and Trust Company 765 SHREVEPORT HWY MANY, LA 71449 |
* | $ 734,523,000 | 71 | $ 8,475,000 |
| First National Bank in Deridder P.O. BOX 700 DERIDDER, LA 70634 |
* | $ 197,883,000 | 51 | $ 3,866,000 |
| Barksdale Federal Credit Union 2701 VILLAGE LN BOSSIER CITY, LA 71112 |
* | $ 1,153,708,000 | 49 | $ 6,921,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 43 | $ 6,669,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 43 | $ 2,778,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 38 | $ 6,703,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 37 | $ 6,385,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 36 | $ 6,838,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 35 | $ 2,440,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 33 | $ 4,979,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 31 | $ 5,485,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 28 | $ 4,347,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 24 | $ 2,728,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 16 | $ 2,792,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 16 | $ 1,536,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 2,185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 15 | $ 2,262,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 15 | $ 2,302,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,657,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 13 | $ 1,936,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 12 | $ 649,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 11 | $ 213,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 9 | $ 488,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 9 | $ 1,276,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 9 | $ 1,835,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 9 | $ 1,417,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 8 | $ 1,036,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 7 | $ 1,364,000 |
| First Federal Bank of Louisian 1135 LAKESHORE DRIVE LAKE CHARLES, LA 70601 |
* | $ 877,083,000 | 7 | $ 820,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 6 | $ 945,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 6 | $ 1,188,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 6 | $ 869,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 5 | $ 696,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 5 | $ 929,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 5 | $ 999,000 |
| Standard Mortgage Corporation 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ 31,000,000 | 5 | $ 841,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 5 | $ 1,007,000 |
| Iberiabank 285 WEST ESPLANADE AVENUE, 2ND FLOOR KENNER, LA 70065 |
* | $ 13,294,766,000 | 5 | $ 397,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 4 | $ 605,000 |
| Midsouth Bank, National Association 102 VERSAILLES BLVD LAFAYETTE, LA 70501 |
* | $ 1,848,517,000 | 4 | $ 84,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 4 | $ 513,000 |
| La Capitol Federal Credit Union P.O. BOX 3398 BATON ROUGE, LA 70802 |
* | $ 445,892,000 | 4 | $ 794,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 4 | $ 512,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 4 | $ 553,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 244,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 3 | $ 185,000 |
| Herring Bank 2201 CIVIC CIRCLE AMARILLO, TX 79109 |
* | $ 472,650,000 | 3 | $ 575,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 389,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 3 | $ 490,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 3 | $ 164,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 549,000 |
| Red River Bank 1412 CENTRE COURT DRIVE ALEXANDRIA, LA 71301 |
* | $ 1,300,718,000 | 3 | $ 490,000 |
| Home Bank, NA 503 KALISTE SALOOM RD LAFAYETTE, LA 70598 |
* | $ 984,212,000 | 3 | $ 129,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 331,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 174,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 476,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 263,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 2 | $ 322,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 246,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 305,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 46,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 365,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 450,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 403,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 381,000 |
| Jd Bank P O BOX 730 JENNINGS, LA 70546 |
* | $ 730,237,000 | 2 | $ 89,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,032,498,000 | 2 | $ 312,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 211,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 362,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 2 | $ 386,000 |
| Southern Heritage Bank 701 FOURTH ST JONESVILLE, LA 71343 |
* | $ 270,438,000 | 2 | $ 229,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 209,000 |
| American Home Free Mortgage PO BOX 760 PROSPER, TX 75078 |
* | $ 11,149,000 | 1 | $ 137,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ 31,000,000 | 1 | $ 117,000 |
| Crescom Bank 288 MEETING ST CHARLESTON, SC 29401 |
* | $ 880,029,000 | 1 | $ 150,000 |
| Iberiabank Mortgage Company 285 WEST ESPLANADE AVE, SECOND FLOOR KENNER, LA 70065 |
* | $ 13,294,766,000 | 1 | $ 254,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 1 | $ 175,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 185,000 |
| American Homestar Mortgage, LLC 2450 SOUTH SHORE BLVD., SUITE 301 LEAGUE CITY, TX 77573 |
* | $ 47,278,000 | 1 | $ 147,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 106,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Citizens Bank and Trust Co PO BOX 992 VIVIAN, LA 71082 |
* | $ 145,887,000 | 1 | $ 97,000 |
| Farmers-Merchants Bank and Trust 100 SOUTH MAIN STREET BREAUX BRIDGE, LA, LA 70517 |
* | $ 279,903,000 | 1 | $ 112,000 |
| Bank of Abbeville and Trust Company PO BOX 340 ABBEVILLE, LA 70510 |
* | $ 171,390,000 | 1 | $ 59,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 859,578,000 | 1 | $ 44,000 |
| Ussfcu 2750 EISENHOWER AVENUE ALEXANDRIA, VA 22314 |
* | $ 574,021,000 | 1 | $ 50,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 53,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 74,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 85,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 220,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 394,950,000 | 1 | $ 6,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 74,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 132,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 118,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Air Force Federal Credit Union 1560 CABLE RANCH ROAD STE 200 SAN ANTONIO, TX 78245 |
* | $ 361,541,000 | 1 | $ 82,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 202,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 340,728,000 | 1 | $ 160,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,161,463,000 | 1 | $ 204,000 |
| Investar Bank P.O. BOX 84207 BATON ROUGE, LA 70884 |
* | $ 634,753,000 | 1 | $ 125,000 |
| Cse Federal Credit Union 4321 NELSON RD LAKE CHARLES, LA 70605 |
* | $ 279,627,000 | 1 | $ 43,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 40,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 1 | $ 84,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 234,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 89,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 6,615,096,000 | 1 | $ 97,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 108,000 |
The tables below break down 2014 mortgage applications in Vernon Parish, LA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Vernon Parish, LA 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 | 763 | $103,609,000 | $135,000 | $619,000 | $63,000 | $772,000 |
| Refinancing | 589 | $77,739,000 | $131,000 | $1,311,000 | $58,000 | $600,000 |
| Home Improvement | 132 | $6,942,000 | $52,000 | $279,000 | $71,000 | $922,000 |
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 | 1,038 | $127,978,000 | $123,000 | $441,000 | $70,000 | $922,000 |
| Black or African American | 143 | $18,854,000 | $131,000 | $400,000 | $54,000 | $180,000 |
| Not applicable | 118 | $18,061,000 | $153,000 | $1,311,000 | $0 | $57,000 |
| Not Provided | 96 | $12,420,000 | $129,000 | $321,000 | $59,000 | $348,000 |
| Hispanic | 51 | $6,432,000 | $126,000 | $286,000 | $59,000 | $159,000 |
| American Indian or Alaskan Native | 18 | $1,506,000 | $83,000 | $234,000 | $51,000 | $177,000 |
| Asian | 10 | $1,802,000 | $180,000 | $619,000 | $133,000 | $772,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $1,237,000 | $123,000 | $191,000 | $65,000 | $126,000 |
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) | 770 | $73,553,000 | $95,000 | $1,311,000 | $71,000 | $922,000 |
| VA-guaranteed (Veterans Administration) | 564 | $95,249,000 | $168,000 | $400,000 | $54,000 | $600,000 |
| FHA-insured (Federal Housing Administration) | 101 | $13,792,000 | $136,000 | $276,000 | $50,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $5,696,000 | $116,000 | $227,000 | $34,000 | $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 | 697 | $88,129,000 | $126,000 | $1,311,000 | $72,000 | $922,000 |
| Application Denied By Financial Institution | 310 | $33,638,000 | $108,000 | $400,000 | $60,000 | $228,000 |
| Loan Purchased By The Institution | 216 | $32,998,000 | $152,000 | $340,000 | $34,000 | $175,000 |
| Application Withdrawn By Applicant | 133 | $19,583,000 | $147,000 | $379,000 | $62,000 | $230,000 |
| Application Approved But Not Accepted | 96 | $9,316,000 | $97,000 | $261,000 | $64,000 | $348,000 |
| File Closed For Incompleteness | 31 | $4,548,000 | $146,000 | $300,000 | $53,000 | $175,000 |
| Preapproval Approved but not Accepted | 1 | $78,000 | $78,000 | $78,000 | $36,000 | $36,000 |
| 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 | 64 | $4,732,000 | $73,000 | $255,000 | $57,000 | $141,000 |
| Collateral | 30 | $4,987,000 | $166,000 | $340,000 | $87,000 | $198,000 |
| Debt-To-Income Ratio | 28 | $3,371,000 | $120,000 | $264,000 | $50,000 | $116,000 |
| Credit Application Incomplete | 17 | $2,429,000 | $142,000 | $293,000 | $78,000 | $228,000 |
| Other | 12 | $1,210,000 | $100,000 | $245,000 | $26,000 | $104,000 |
| Employment History | 2 | $260,000 | $130,000 | $170,000 | $19,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $47,000 | $47,000 | $47,000 | $33,000 | $33,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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