Wakulla County, FL Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,484 mortgage applications in Wakulla County, FL totaling $197.0 million, up 9% from 2012. The average application was for $132,000, and applicants reported an average income of $61,000. 47% of applications resulted in an originated loan and 18% were denied. The most active lender was Wells Fargo Bank NA, with 181 applications, followed by JPMorgan Chase Bank, NA and Centennial 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 1,484
Total Mortgage Loan Application Amount $196,976,000
Average Mortgage Loan Application Amount $132,000
Highest Mortgage Loan Application Amount $1,000,000
Average Applicant Income $61,000
Highest Applicant Income $1,678,000

Mortgage Company List for Lending in Wakulla County, FL for 2013

* 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
* $ 1,266,125,000,000 181 $ 23,480,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 76 $ 10,174,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 4,234,352,000 71 $ 7,159,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 70 $ 11,337,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 66 $ 8,893,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 57 $ 7,988,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 57 $ 4,002,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 51 $ 8,055,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 47 $ 7,206,000
Capital City Bank
1828 WEST TENNESSEE STREET
TALLAHASSEE, FL 32301
* $ 2,612,890,000 44 $ 4,404,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 38 $ 5,026,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 3,016,309,000 37 $ 5,624,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 34 $ 3,052,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 33 $ 3,915,000
Envision Credit Union
440 NORTH MONROE ST.
TALLAHASSEE, FL 32301
* $ 247,596,000 32 $ 3,621,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 24 $ 2,654,000
First Commerce Credit Union
2073 LAKE SUMMIT
TALLAHASSEE, FL 32310
* $ 354,673,000 21 $ 2,689,000
Sunshine Savings Bank
1400 E. PARK AVENUE
TALLAHAASSEE, FL 32301
* $ 147,417,000 15 $ 1,681,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ 133,851,000 14 $ 1,893,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 14 $ 2,171,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 14 $ 2,288,000
Truhome Solutions, L.L.C.
9601 LEGLER RD
LENEXA, KS 66219
* $ 1,900,000,000 13 $ 1,656,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 120,420,787,000 13 $ 1,664,000
Synovus Mortgage Corporation
2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, AL 35209
* $ 27,908,468,000 13 $ 1,563,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 12 $ 1,841,000
Hancock Whitney Bank
2510 14TH STREET
GULFPORT, MS 39501
* $ 6,618,162,000 12 $ 2,356,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 12 $ 1,423,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 12 $ 1,613,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 11 $ 1,768,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 10 $ 1,273,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 10 $ 1,525,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 1,228,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 8 $ 1,426,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 8 $ 1,234,000
Farmers & Merchants Bank
200 E. WASHINGTON STREET
MONTICELLO, FL 32344
* $ 422,304,000 8 $ 1,544,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 8 $ 1,300,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,148,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 949,559,000 8 $ 998,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 7 $ 306,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 7 $ 806,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 7 $ 1,040,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 761,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 6 $ 759,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 952,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 6 $ 650,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 6 $ 774,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 5 $ 518,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 5 $ 1,081,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 669,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ 5,479,000 5 $ 488,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 4 $ 210,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 4 $ 638,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 4 $ 710,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 501,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 4 $ 453,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 1,539,430,000 4 $ 565,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 3 $ 250,000
First Federal Bank
2440 MALL DRIVE
NORTH CHARLESTON, SC 29406
* $ 3,209,458,000 3 $ 212,000
Florida Bank
201 N FRANKLIN STREET, SUITE 100
TAMPA, FL 33602
* $ 610,244,000 3 $ 411,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 3 $ 382,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 595,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 3 $ 564,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 3 $ 245,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 276,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 3 $ 591,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 505,000
Gulf Winds Credit Union
220 E NINE MILE ROAD
PENSACOLA, FL 32534
* $ 439,566,000 3 $ 220,000
Prime Meridian Bank
1897 CAPITAL CIRCLE NE
TALLAHASSEE, FL 32312
* $ 169,658,000 3 $ 318,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 3 $ 352,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 3 $ 425,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,376,094,000 3 $ 426,000
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ 4,695,290,000 3 $ 368,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 2 $ 287,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 307,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 320,000
Tmh Federal Credit Union
345 S. MAGNOLIA DR.
TALLAHASSEE, FL 32301
* $ 48,449,000 2 $ 261,000
Suncoast Credit Union
6801 E HILLSBOROUGH AVE
TAMPA, FL 33610
* $ 5,199,706,000 2 $ 456,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 413,000
Ameritrust Mortgage Inc.
11016 RUSHMORE DRIVE, SUITE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 318,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ 401,167,000 2 $ 189,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 277,529,000 2 $ 429,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ 10,000,000 2 $ 279,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 323,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 299,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 481,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 418,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,341,219,000 2 $ 289,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 266,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,595,673,000 2 $ 107,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ 100,000,000 2 $ 332,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 2 $ 126,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 421,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 301,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 229,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 108,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 366,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 64,000
Marion & Polk Schools Credit Union
PO BOX 12398
SALEM, OR 97309
* $ 445,384,000 1 $ 68,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 467,666,000 1 $ 205,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 274,539,000 1 $ 146,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,232,230,000 1 $ 138,000
Charterbank
1233 O.G. SKINNER DRIVE
WEST POINT, GA 31833
* $ 1,033,556,000 1 $ 76,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 196,979,000 1 $ 8,000
Think Mutual Bank
5200 MEMBERS PARKWAY NW
ROCHESTER, MN 55901
* $ 1,453,067,000 1 $ 139,000
Sterling National Bank
98 CUTTERMILL ROAD
GREAT NECK, NY 11021
* $ 2,708,084,000 1 $ 83,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 96,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 336,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 199,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 203,985,615,000 1 $ 25,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 135,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 150,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ 39,000,000 1 $ 277,000
Florida State University Credit Union
2806 SHARER ROAD
TALLAHASSEE, FL 32312
* $ 127,003,000 1 $ 198,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 25,893,829,000 1 $ 112,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 70,000
Brand Mortgage Group, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
LAWRENCEVILLE, GA 30043
* $ 1,195,416,000 1 $ 124,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 13,058,734,000 1 $ 95,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 268,686,000 1 $ 162,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,109,770,000 1 $ 307,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 165,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 172,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 44,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 206,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 1 $ 126,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 191,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 475,008,000 1 $ 112,000
BNC National Bank

BISMARCK, ND 58501
* $ 768,613,000 1 $ 230,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 1 $ 82,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 263,000
Firefly
1400 RIVERWOOD DR
BURNSVILLE, MN 55337
* $ 896,134,000 1 $ 168,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 1 $ 71,000
American Bank of Freedom
127 WEST HUDSON
WELLSVILLE, MO 63384
* $ 127,530,000 1 $ 182,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 142,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 1 $ 66,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 48,000
South State Bank
520 GERVAIS STREET
COLUMBIA, SC 29201
* $ 5,130,184,000 1 $ 53,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ 2,304,353,000 1 $ 114,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ 56,337,000 1 $ 143,000
Nola Lending Group, LLC
830 W CAUSEWAY BLVD
MANDEVILLE, LA 70471
* $ 28,686,000 1 $ 192,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 1 $ 74,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 160,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,230,791,000 1 $ 47,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 1 $ 56,000
Intelliloan, Inc.
4 PARK PLAZA SUITE 800
IRVINE, CA 92614
* $ 10,000,000 1 $ 159,000
Community Bank, Coast
P. O. BOX 7588
GULFPORT, MS 39506
* $ 372,638,000 1 $ 162,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 636,087,000 1 $ 180,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 78,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ 10,000,000 1 $ 219,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 543,088,000 1 $ 59,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 74,997,000 1 $ 130,000

The tables below break down 2013 mortgage applications in Wakulla County, FL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Wakulla County, FL in 2013

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 823 $119,213,000 $144,000 $460,000 $60,000 $302,000
Home Purchase 625 $75,743,000 $121,000 $1,000,000 $61,000 $1,678,000
Home Improvement 36 $2,020,000 $56,000 $250,000 $88,000 $907,000

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 1,066 $143,035,000 $134,000 $1,000,000 $65,000 $1,678,000
Not Provided 156 $20,225,000 $129,000 $360,000 $65,000 $446,000
Not applicable 140 $18,305,000 $130,000 $400,000 $33,000 $232,000
Black or African American 74 $8,979,000 $121,000 $300,000 $49,000 $149,000
Hispanic 35 $4,754,000 $135,000 $263,000 $67,000 $244,000
Asian 6 $648,000 $108,000 $160,000 $71,000 $120,000
Native Hawaiian or Other Pacific Islander 5 $567,000 $113,000 $164,000 $37,000 $50,000
American Indian or Alaskan Native 2 $463,000 $231,000 $316,000 $88,000 $129,000

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) 961 $125,704,000 $130,000 $1,000,000 $74,000 $1,678,000
FHA-insured (Federal Housing Administration) 276 $34,397,000 $124,000 $263,000 $34,000 $118,000
VA-guaranteed (Veterans Administration) 139 $24,000,000 $172,000 $413,000 $46,000 $187,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 108 $12,875,000 $119,000 $302,000 $37,000 $95,000

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 699 $97,069,000 $138,000 $875,000 $67,000 $934,000
Application Denied By Financial Institution 263 $30,343,000 $115,000 $457,000 $52,000 $907,000
Loan Purchased By The Institution 248 $33,806,000 $136,000 $417,000 $47,000 $244,000
Application Withdrawn By Applicant 158 $21,488,000 $136,000 $1,000,000 $73,000 $1,678,000
Application Approved But Not Accepted 74 $8,238,000 $111,000 $350,000 $52,000 $187,000
File Closed For Incompleteness 42 $6,032,000 $143,000 $316,000 $73,000 $179,000
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 43 $3,811,000 $88,000 $209,000 $65,000 $907,000
Collateral 33 $5,047,000 $152,000 $457,000 $82,000 $302,000
Debt-To-Income Ratio 26 $2,784,000 $107,000 $275,000 $35,000 $95,000
Other 24 $3,160,000 $131,000 $325,000 $46,000 $152,000
Credit Application Incomplete 17 $2,122,000 $124,000 $296,000 $50,000 $119,000
Unverifiable Information 6 $727,000 $121,000 $260,000 $56,000 $125,000
Insufficient Cash (Downpayment, Closing Cost) 6 $790,000 $131,000 $175,000 $16,000 $34,000
Employment History 2 $249,000 $124,000 $148,000 $45,000 $74,000
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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