Ward County, ND Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,888 mortgage applications in Ward County, ND totaling $363.1 million, down 13% from 2017. The average application was for $192,000, and applicants reported an average income of $92,000. 64% of applications resulted in an originated loan and 11% were denied. The most active lender was Gate City Bank, with 272 applications, followed by Town and Country Credit Union and US Bank, N.A..
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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 | 1,888 |
| Total Mortgage Loan Application Amount | $363,060,000 |
| Average Mortgage Loan Application Amount | $192,000 |
| Highest Mortgage Loan Application Amount | $4,735,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $1,000,000 |
* 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 |
|---|---|---|---|---|
| Gate City Bank 500 2ND AVE N FARGO, ND 58102 |
* | $ 2,064,412,000 | 272 | $ 42,150,000 |
| Town and Country Credit Union 615 S BROADWAY ST MINOT, ND 58701 |
* | $ 413,678,000 | 252 | $ 45,600,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 128 | $ 26,840,000 |
| First Western Bank & Trust 900 SOUTH BROADWAY MINOT, ND 58701 |
* | $ 1,075,212,000 | 112 | $ 20,880,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 104 | $ 22,160,000 |
| First International Bank & Trust 1600 S BDWAY MINOT, ND 58701 |
* | $ 2,463,284,000 | 99 | $ 28,615,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 76 | $ 12,320,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 11,915,259,000 | 69 | $ 12,205,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 52 | $ 8,350,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 44 | $ 9,730,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 43 | $ 10,535,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 41 | $ 7,515,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 38 | $ 8,220,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 32 | $ 6,780,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 29 | $ 6,585,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 28 | $ 5,510,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 26 | $ 4,780,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 23 | $ 1,265,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 17 | $ 2,955,000 |
| Bravera Bank 140 1ST AVENUE WEST DICKINSON, ND 58601 |
* | $ 1,353,238,000 | 15 | $ 3,625,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 15 | $ 3,255,000 |
| Dacotah Bank 308 S MAIN STREET, PO BOX 1210 ABERDEEN, SD 57401 |
* | $ 2,396,553,000 | 15 | $ 2,205,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 1,600,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 13 | $ 2,165,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 11 | $ 2,825,000 |
| T & C Real Estate Services LLC 615 S BROADWAY MINOT, ND 58701 |
* | $ -1,000 | 11 | $ 1,915,000 |
| Cornerstone Bank 2280 45TH STREET SOUTH FARGO, ND 58104 |
* | $ 838,911,000 | 10 | $ 1,450,000 |
| Kirkwood Bank & Trust Co. 2911 N 14TH STREET BISMARCK, ND 58503 |
* | $ 243,911,000 | 10 | $ 1,950,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 9 | $ 2,195,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 363,702,000 | 8 | $ 2,010,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 8 | $ 1,710,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 7 | $ 1,065,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 7 | $ 1,435,000 |
| Stockman Bank of Montana 700 MAIN STREET MILES CITY, MT 59301 |
* | $ 3,522,047,000 | 6 | $ 3,360,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 1,970,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,470,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 1,275,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 5 | $ 1,295,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 5 | $ 1,205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 1,055,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 395,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 4 | $ 480,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 4 | $ 800,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 1,020,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 890,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 250,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 4 | $ 350,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 4 | $ 1,240,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 660,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ 1,086,583,000 | 3 | $ 235,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 3 | $ 245,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 895,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 215,000 |
| Capital Credit Union PO BOX 2096 BISMARCK, ND 58502 |
* | $ 466,344,000 | 3 | $ 265,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 526,546,000 | 3 | $ 675,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 815,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 225,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 2 | $ 700,000 |
| Railway Credit Union 1006 E MAIN STREET MANDAN, ND 58554 |
* | $ 105,700,000 | 2 | $ 110,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 2 | $ 460,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 440,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 2 | $ 400,000 |
| Visionbank 3000 25TH STREET SOUTH FARGO, ND 58103 |
* | $ 184,266,000 | 2 | $ 40,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 2 | $ 320,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 290,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 380,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 2 | $ 90,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 500,000 |
| Bank of the West 180 MONTGOMERY STREET SAN FRANCISCO, CA 94104 |
* | $ 89,765,667,000 | 2 | $ 800,000 |
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ 1,656,476,000 | 1 | $ 245,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 185,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 245,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ -1,000 | 1 | $ 75,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,364,710,000 | 1 | $ 105,000 |
| Starion Bank 109 1ST STREET NW MANDAN, ND 58554 |
* | $ 1,262,449,000 | 1 | $ 125,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ -1,000 | 1 | $ 235,000 |
| Bank of Idaho 399 N CAPITAL IDAHO FALLS, ID 83403 |
* | $ 321,538,000 | 1 | $ 105,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 225,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 195,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 255,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 25,741,733,000 | 1 | $ 375,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 115,000 |
| Blackridgebank 4040 42ND ST SW, SUITE O FARGO, ND 58104 |
* | $ 446,870,000 | 1 | $ 145,000 |
| Bank Forward 390 WHEAT STREET, PO BOX 100 FARGO, ND 58104 |
* | $ 555,878,000 | 1 | $ 455,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 260,106,000 | 1 | $ 235,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 215,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 95,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ -1,000 | 1 | $ 465,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 25,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 5,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 175,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 245,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 95,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 155,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 75,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 2,764,317,000 | 1 | $ 285,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 75,000 |
| Homeowners Financial Group, LLC 16427 N. SCOTTSDALE ROAD, SUITE 145 SCOTTSDALE, AZ 85251 |
* | $ -1,000 | 1 | $ 175,000 |
| Lend Smart Mortgage, LLC 3450 LEXINGTON AVE N OAKDALE, MN 55126 |
* | $ -1,000 | 1 | $ 155,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 105,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 4,763,242,000 | 1 | $ 85,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,542,484,000 | 1 | $ 105,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 417,436,000 | 1 | $ 75,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 9,380,854,000 | 1 | $ 525,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 255,000 |
| Dakota Community Bank & Trust, NA 608 MAIN STREET HEBRON, ND 58638 |
* | $ 763,899,000 | 1 | $ 345,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 604,714,000 | 1 | $ 195,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 945,013,000 | 1 | $ 25,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 629,025,000 | 1 | $ 185,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 7,093,314,000 | 1 | $ 45,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 6,233,807,000 | 1 | $ 175,000 |
| First State Bank 423 BROADWAY BUXTON, ND 58218 |
* | $ 185,300,000 | 1 | $ 85,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 631,522,000 | 1 | $ 255,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 135,000 |
| Security First Bank of North Dakota 700 ASH AVENUE NEW SALEM, ND 58563 |
* | $ 185,070,000 | 1 | $ 85,000 |
The tables below break down 2018 mortgage applications in Ward County, ND by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Ward County, ND 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 | 1,116 | $237,280,000 | $212,000 | $1,655,000 | $88,000 | $1,000,000 |
| Cash-out Refinancing | 338 | $60,330,000 | $178,000 | $455,000 | $87,000 | $559,000 |
| Refinancing | 233 | $46,905,000 | $201,000 | $4,735,000 | $97,000 | $811,000 |
| Other Purpose | 88 | $7,130,000 | $81,000 | $375,000 | $93,000 | $268,000 |
| Home Improvement | 79 | $5,695,000 | $72,000 | $355,000 | $141,000 | $965,000 |
| Not Applicable | 34 | $5,720,000 | $168,000 | $465,000 | $90,000 | $174,000 |
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 | 1,374 | $250,660,000 | $182,000 | $655,000 | $90,000 | $965,000 |
| Not applicable | 245 | $65,145,000 | $265,000 | $4,735,000 | $88,000 | $179,000 |
| Not Provided | 172 | $27,400,000 | $159,000 | $575,000 | $111,000 | $811,000 |
| Hispanic | 41 | $7,875,000 | $192,000 | $545,000 | $70,000 | $124,000 |
| American Indian or Alaskan Native | 20 | $3,670,000 | $183,000 | $385,000 | $82,000 | $220,000 |
| Black or African American | 19 | $4,345,000 | $228,000 | $525,000 | $152,000 | $1,000,000 |
| Asian | 12 | $2,950,000 | $245,000 | $535,000 | $88,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $970,000 | $242,000 | $325,000 | $86,000 | $92,000 |
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) | 1,104 | $196,730,000 | $178,000 | $4,735,000 | $104,000 | $1,000,000 |
| VA-guaranteed (Veterans Administration) | 495 | $115,485,000 | $233,000 | $575,000 | $80,000 | $363,000 |
| FHA-insured (Federal Housing Administration) | 278 | $48,880,000 | $175,000 | $305,000 | $64,000 | $193,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,965,000 | $178,000 | $275,000 | $67,000 | $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 | 1,217 | $238,915,000 | $196,000 | $4,735,000 | $95,000 | $1,000,000 |
| Loan Purchased By The Institution | 245 | $53,875,000 | $219,000 | $465,000 | $96,000 | $193,000 |
| Application Denied By Financial Institution | 201 | $30,525,000 | $151,000 | $455,000 | $80,000 | $800,000 |
| Application Withdrawn By Applicant | 177 | $31,735,000 | $179,000 | $555,000 | $89,000 | $460,000 |
| File Closed For Incompleteness | 26 | $4,240,000 | $163,000 | $385,000 | $80,000 | $174,000 |
| Application Approved But Not Accepted | 22 | $3,770,000 | $171,000 | $345,000 | $89,000 | $190,000 |
| 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 | 1,552 | $306,100,000 | $197,000 | $4,735,000 | $93,000 | $965,000 |
| Debt-To-Income Ratio | 185 | $34,205,000 | $184,000 | $545,000 | $89,000 | $1,000,000 |
| Collateral | 56 | $7,110,000 | $126,000 | $345,000 | $73,000 | $205,000 |
| Credit History | 37 | $4,375,000 | $118,000 | $375,000 | $112,000 | $800,000 |
| Credit Application Incomplete | 33 | $7,065,000 | $214,000 | $455,000 | $83,000 | $559,000 |
| Other | 16 | $2,750,000 | $171,000 | $335,000 | $91,000 | $180,000 |
| Unverifiable Information | 5 | $465,000 | $93,000 | $155,000 | $91,000 | $141,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $665,000 | $221,000 | $285,000 | $73,000 | $90,000 |
| Employment History | 1 | $325,000 | $325,000 | $325,000 | $72,000 | $72,000 |
| 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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