Walker County, TX Mortgage Lenders & HMDA Data, 2010

In 2010, lenders reported 1,418 mortgage applications in Walker County, TX totaling $185.9 million, up 2% from 2009. The average application was for $131,000, and applicants reported an average income of $77,000. 44% of applications resulted in an originated loan and 20% were denied. The most active lender was First National Bank of Huntsville, with 220 applications, followed by Bank of America, N.A. and Wells Fargo Funding, 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 1,418
Total Mortgage Loan Application Amount $185,872,000
Average Mortgage Loan Application Amount $131,000
Highest Mortgage Loan Application Amount $13,325,000
Average Applicant Income $77,000
Highest Applicant Income $1,902,000

Mortgage Company List for Lending in Walker County, TX for 2010

* 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
First National Bank of Huntsville
PO BOX 659 , 1300 11TH ST
HUNTSVILLE, TX 77340
* $ 339,153,000 220 $ 19,123,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,465,221,449,000 187 $ 24,254,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 91 $ 14,541,000
Wells Fargo Bank, NA
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,000,000 88 $ 8,965,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 69 $ 3,252,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 48 $ 6,736,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 44 $ 2,875,000
Hometrust Mortgage Company
5353 W. ALABAMA, SUITE 500
HOUSTON, TX 77056
* $ 10,000,000 43 $ 7,522,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 276,376,130,000 40 $ 3,718,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 39 $ 1,045,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,627,684,000,000 37 $ 6,015,000
Tib the Independent Bankersban
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ 1,987,814,000 35 $ 5,779,000
Citifinancial Inc
300 ST PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 31 $ 1,628,000
First Victoria National Bank
101 S MAIN
VICTORIA, TX 77901
* $ 1,575,163,000 30 $ 4,871,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 37,922,355,000 21 $ 2,332,000
BBVA USA
15 SOUTH 20TH STREET
BIRMINGHAM, AL 35233
* $ 64,608,091,000 18 $ 2,564,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 55,302,902,000 15 $ 2,363,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 14 $ 1,709,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 14 $ 2,298,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 13 $ 1,645,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 12 $ 1,941,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 11 $ 1,609,000
Wallick and Volk
222 EAST 18TH
CHEYENNE, WY 82001
* $ 10,000,000 10 $ 1,459,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 10 $ 998,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 9 $ 1,254,000
Metlife Bank, N.A.
334 MADISON AVENUE
CONVENT STATION, NJ 07961
* $ 14,106,965,000 9 $ 1,612,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 14,483,100,000 9 $ 1,721,000
Colonial Savings, F. A.
P. O. BOX 2988
FORT WORTH, TX 76113
* $ 964,882,000 8 $ 1,079,000
Txl Mortgage Corporation
11931 WICKCHESTER LN STE 444
HOUSTON, TX 77043
* $ 100,000,000 6 $ 963,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 6 $ 950,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,867,638,000 6 $ 298,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 1,091,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 5 $ 652,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 39,610,194,000 5 $ 764,000
First Bank
1800 WEST WHITE OAK TERRACE
CONROE, TX 77304
* $ 248,330,000 5 $ 631,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 90,293,933,000 5 $ 115,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 164,340,844,000 5 $ 728,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 10,549,701,000 4 $ 759,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 4,542,636,000 4 $ 413,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 4 $ 975,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 4 $ 464,000
Everett Financial Inc.
14801 QUORUM DR SUITE 300
DALLAS, TX 75254
* $ 3,642,000 4 $ 553,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 4 $ 539,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 529,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 3 $ 462,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 3 $ 271,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 3 $ 325,000
Mortgage Solutions of Co, LLC
5455 N UNION BLVD # 105
COLORADO SPRINGS, CO 80918
* $ 10,000,000 3 $ 208,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 231,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 127,360,045,000 3 $ 335,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,192,761,000 3 $ 155,000
New York Community Bank
1 JERICHO PLAZA
JERICHO, NY 11753
* $ 40,150,052,000 3 $ 602,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,911,006,000 3 $ 42,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 1,087,452,000 3 $ 437,000
Amegy Mortgage Company, L.L.C
4576 RESEARCH FOREST BLVD
THE WOODLANDS, TX 77381
* $ 31,000,000 2 $ 648,000
Regions Bank
1900 5TH AVENUE N - ALBH10903B
BIRMINGHAM, AL 35203
* $ 138,006,763,000 2 $ 315,000
M&T Realty Capital Corporation
25 S. CHARLES ST., 17TH FLOOR
BALTIMORE, MD 21201
* $ 67,860,327,000 2 $ 6,200,000
First Nb of Jacksboro
P.O. DRAWER E
JACKSBORO, TX 76458
* $ 455,314,000 2 $ 261,000
Frost National Bank
100 W. HOUSTON T-5
SAN ANTONIO, TX 78205
* $ 16,343,663,000 2 $ 90,000
Merrill Lynch Credit Corp
4500 PARK GRANADA CA7-910-01-24
CALABASAS, CA 91302
* $ 2,223,299,000 2 $ 335,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,817,999,000 2 $ 240,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 16,157,711,000 2 $ 291,000
Everhome Mortgage Company
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 3,027,261,000 2 $ 222,000
Affiliated Mortgage Company
1301 HUDSON LANE
MONROE, LA 71201
* $ 212,423,000 2 $ 260,000
The Bank & Trust of Bryan/College Station
1716 BRIARCREST, SUITE 400
BRYAN, TX 77802
* $ 187,259,000 2 $ 694,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 159,675,538,000 2 $ 390,000
Bancorpsouth Bank
P O BOX 789
TUPELO, MS 38802
* $ 13,163,459,000 2 $ 236,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 197,928,000 2 $ 517,000
Communitybank of Texas, N.A.
9 GREENWAY PLAZA, SUITE 110
HOUSTON, TX 77046
* $ 1,255,938,000 2 $ 204,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 1,140,194,000 2 $ 398,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 172,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 2 $ 141,000
Home Loan Center
163 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 10,000,000 2 $ 181,000
Southwest Stage Funding LLC
6816 EAST BROWN ROAD
MESA, AZ 85207
* $ 5,889,539,000 2 $ 252,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 119,000
Interlinc Mtg Inc
19221 I 45 SOUTH SUITE 210
CONROE, TX 77385
* $ 850,000 2 $ 275,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 82,000
Tdecu
2000 POST OAK BLVD. STE. 2100
HOUSTON, TX 77056
* $ 1,524,388,000 2 $ 264,000
Member Home Loan LLC
9601 JONES RD SUITE 108
HOUSTON, TX 77065
* $ 589,064,000 2 $ 178,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 2 $ 286,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 152,000
Cendera Funding Inc.
3600 BENBROOK HWY
FORT WORTH, TX 76116
* $ 1,141,000 2 $ 714,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 2 $ 276,000
Americahomekey, Inc
3838 OAK LAWN STE 1050
DALLAS, TX 75219
* $ 10,000,000 1 $ 148,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 134,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 123,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 373,000
L&G Mortgagebanc, Inc
8737 EAST VIA DE COMMERCIO
SCOTTSDALE, AZ 85258
* $ 18,075,000 1 $ 114,000
America's Choice Home Loans LP
8584 KATY FREEWAY, STE 200
HOUSTON, TX 77024
* $ 8,352,000 1 $ 115,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 135,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 106,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 166,000
Sound Mortgage,Inc.
500 SOUTH 336TH STREET, SUITE 201
FEDERAL WAY, WA 98003
* $ 10,000,000 1 $ 119,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 176,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 64,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 318,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 92,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 110,000
First Mortgage Corporation
1131 W. 6TH STREET
ONTARIO, CA 91762
* $ 10,000,000 1 $ 117,000
Ameripro Funding
8300 N. MOPAC EXPRESSWAY SUITE 120
AUSTIN, TX 78759
* $ 40,000,000 1 $ 86,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 1 $ 71,000
United Midwest Savings Bank
101 S MAIN ST
DEGRAFF, OH 43318
* $ 266,952,000 1 $ 123,000
Credit Union of Texas
8131 LBJ FREEWAY, SUITE 500
ALLEN, TX 75013
* $ 1,005,780,000 1 $ 59,000
Smart Financial Credit Union
6051 NORTH COURSE DR
HOUSTON, TX 77072
* $ 400,623,000 1 $ 216,000
Community Resource Credit Unio
2900 DECKER DRIVE
BAYTOWN, TX 77520
* $ 273,490,000 1 $ 30,000
Gateway Mortgage Group LLC
6910 E 14TH ST
TULSA, OK 74112
* $ 10,000,000 1 $ 176,000
4trust Mortgage, Inc.
4200 SOUTH HULEN STE 410
FORT WORTH, TX 76109
* $ 10,000,000 1 $ 324,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 1 $ 246,000
American Homestar Mortgage, LLC
2450 SOUTH SHORE BLVD., SUITE 301
LEAGUE CITY, TX 77573
* $ 47,278,000 1 $ 164,000
Netmore America, Inc.
109 EAST MAIN STREET, SUITE 301
WALLA WALLA, WA 99362
* $ 37,000,000 1 $ 117,000
Classic Home Financial, Inc.
10700 RICHMOND AVENUE #150
HOUSTON, TX 77042
* $ 428,000,000 1 $ 144,000
Americash
3080 BRISTOL STREET, SUITE 300
COSTA MESA, CA 92626
* $ 10,000,000 1 $ 417,000
Cwcapital LLC
63 KENDRICK STREET
NEEDHAM, MA 02494
* $ 31,000,000 1 $ 13,325,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 139,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 88,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 226,000
Mason McDuffie Mortgage Corp
2010 CROW CANYON PLACE, SUITE 400
SAN RAMON, CA 94583
* $ 1,300,000 1 $ 90,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ 1,112,500,000 1 $ 30,000
Shell Federal Credit Union
301 E 13TH ST
DEER PARK, TX 77536
* $ 396,240,000 1 $ 94,000
Anahuac National Bank
P.O. BOX N
ANAHUAC, TX 77514
* $ 71,317,000 1 $ 115,000
Peoples State Bank
5850 HWY 59 SOUTH
SHEPHERD, TX 77371
* $ 91,296,000 1 $ 22,000
Amegy Bank of Texas, NA
4400 POST OAK PKY, 6TH FL
HOUSTON, TX 77027
* $ 11,089,282,000 1 $ 52,000
Guaranty Bond Bank
100 W ARKANSAS
MOUNT PLEASANT, TX 75455
* $ 886,344,000 1 $ 146,000
Patriot Bank Mortgage
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 511,822,000 1 $ 128,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 133,000
Prosperity Bank
1301 N MECHANIC
EL CAMPO, TX 77437
* $ 8,845,088,000 1 $ 120,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 612,256,000 1 $ 82,000
Bank of New Orleans
1600 VETERANS BLVD
METAIRIE, LA 70005
* $ 321,237,000 1 $ 25,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,726,828,000 1 $ 35,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 3,748,255,000 1 $ 74,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 5,525,020,000 1 $ 77,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,061,586,000 1 $ 90,000
Viewpoint Bankers Mortgage Inc
720 E. ARAPAHO
RICHARDSON, TX 75081
* $ 1,529,760,000 1 $ 139,000
Encore Bank, NA
NINE GREENWAY PLAZA, SUITE 1000
HOUSTON, TX 77046
* $ 1,628,188,000 1 $ 110,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,122,657,000 1 $ 72,000
Nationwide Bank
ONE NATIONWIDE PLAZA, 2-14-05
COLUMBUS, OH 43215
* $ 3,206,002,000 1 $ 95,000
Everbank
8100 NATIONS WAY
JACKSONVILLE, FL 32256
* $ 8,059,724,000 1 $ 117,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 17,832,340,000 1 $ 96,000
Share Plus Federal Bank
5224 W. PLANO PKWY
PLANO, TX 75093
* $ 208,103,000 1 $ 3,000
Spirit of Texas Bank, SSB
625 UNIVERSITY DRIVE EAST
COLLEGE STATION, TX 77840
* $ 143,968,000 1 $ 60,000
First National Bank Texas
507 N. GRAY ST.
KILLEEN, TX 76541
* $ 870,373,000 1 $ 115,000
Citizens National Bank
110 WEST COURT ST
PARIS, IL 61944
* $ 240,050,000 1 $ 120,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 274,935,000 1 $ 125,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ 10,498,000 1 $ 91,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 260,309,849,000 1 $ 66,000
Gibraltar Mortgage Services Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,778,691,000 1 $ 88,000

The tables below break down 2010 mortgage applications in Walker 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 Walker County, TX in 2010

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 696 $80,256,000 $115,000 $4,340,000 $67,000 $1,902,000
Refinancing 604 $101,895,000 $168,000 $13,325,000 $92,000 $1,874,000
Home Improvement 118 $3,721,000 $31,000 $200,000 $58,000 $223,000

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 1,021 $125,960,000 $123,000 $1,100,000 $86,000 $1,902,000
Black or African American 112 $8,936,000 $79,000 $281,000 $49,000 $240,000
Hispanic 94 $6,079,000 $64,000 $250,000 $50,000 $168,000
Not Provided 93 $11,461,000 $123,000 $685,000 $83,000 $247,000
Not applicable 89 $31,927,000 $358,000 $13,325,000 $22,000 $336,000
American Indian or Alaskan Native 6 $710,000 $118,000 $188,000 $195,000 $612,000
Native Hawaiian or Other Pacific Islander 2 $382,000 $191,000 $191,000 $45,000 $45,000
Asian 1 $417,000 $417,000 $417,000 $108,000 $108,000

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) 1,143 $151,395,000 $132,000 $13,325,000 $83,000 $1,902,000
FHA-insured (Federal Housing Administration) 241 $29,748,000 $123,000 $276,000 $51,000 $188,000
VA-guaranteed (Veterans Administration) 27 $4,011,000 $148,000 $275,000 $54,000 $196,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $718,000 $102,000 $124,000 $57,000 $61,000

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 619 $80,159,000 $129,000 $4,340,000 $84,000 $1,902,000
Loan Purchased By The Institution 288 $54,381,000 $188,000 $13,325,000 $63,000 $482,000
Application Denied By Financial Institution 281 $25,565,000 $90,000 $417,000 $69,000 $612,000
Application Withdrawn By Applicant 120 $15,752,000 $131,000 $518,000 $95,000 $1,874,000
Application Approved But Not Accepted 91 $7,301,000 $80,000 $300,000 $73,000 $500,000
File Closed For Incompleteness 19 $2,714,000 $142,000 $400,000 $46,000 $107,000
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 96 $6,460,000 $67,000 $274,000 $58,000 $206,000
Debt-To-Income Ratio 44 $4,709,000 $107,000 $387,000 $48,000 $134,000
Collateral 29 $4,389,000 $151,000 $417,000 $115,000 $522,000
Other 24 $2,665,000 $111,000 $373,000 $98,000 $612,000
Credit Application Incomplete 12 $1,779,000 $148,000 $350,000 $140,000 $400,000
Unverifiable Information 9 $1,172,000 $130,000 $244,000 $84,000 $116,000
Insufficient Cash (Downpayment, Closing Cost) 3 $277,000 $92,000 $166,000 $49,000 $65,000
Employment History 1 $10,000 $10,000 $10,000 $60,000 $60,000
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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