Ware County, GA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,237 mortgage applications in Ware County, GA totaling $187.3 million, up 20% from 2024. The average application was for $151,000, and applicants reported an average income of $81,000. 44% of applications resulted in an originated loan and 23% were denied. The most active lender was 21st Mortgage, with 90 applications, followed by United Wholesale Mortgage and Primesouth 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 1,237
Total Mortgage Loan Application Amount $187,285,000
Average Mortgage Loan Application Amount $151,000
Highest Mortgage Loan Application Amount $2,925,000
Average Applicant Income $81,000
Highest Applicant Income $2,401,000

Mortgage Company List for Lending in Ware County, GA for 2025

* 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
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 90 $ 12,130,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 86 $ 17,520,000
Primesouth Bank
P O BOX 189
BLACKSHEAR, GA 31516
* $ n/a 85 $ 10,915,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 83 $ 10,245,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 37 $ 4,115,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 36 $ 7,510,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 31 $ 6,265,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 30 $ 1,920,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 30 $ 3,160,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 24 $ 2,710,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 24 $ 4,200,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 20 $ 3,180,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 20 $ 2,360,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 18 $ 1,140,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 18 $ 2,610,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 17 $ 3,185,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 15 $ 1,645,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 15 $ 3,415,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 13 $ 2,305,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 13 $ 3,145,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 12 $ 1,500,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 11 $ 2,305,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 1,945,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 11 $ 1,445,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 11 $ 2,015,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 11 $ 1,895,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 11 $ 2,215,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 10 $ 1,850,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 10 $ 1,990,000
First Southern Bank
930 MEMORIAL DR
WAYCROSS, GA 31501
* $ n/a 10 $ 1,220,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 880,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ n/a 9 $ 1,575,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 9 $ 545,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 9 $ 1,535,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 8 $ 1,330,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 8 $ 1,310,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 850,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 7 $ 1,035,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 7 $ 1,055,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 7 $ 1,395,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 6 $ 1,020,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 6 $ 940,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 6 $ 600,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 6 $ 280,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 6 $ 1,380,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 395,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 805,000
Vystar Credit Union
4949 BLANDING BLVD
JACKSONVILLE, FL 32202
* $ n/a 5 $ 455,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 5 $ 1,035,000
Farmers and Merchants Bank
4 NORTH CARTER STREET, PO BOX 187
LAKELAND, GA 31635
* $ n/a 5 $ 445,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 905,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 5 $ 515,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 5 $ 795,000
Interstate Credit Union
705 WEST CHERRY STREET
JESUP, GA 31545
* $ n/a 4 $ 430,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 650,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 4 $ 1,050,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 4 $ 510,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 4 $ 300,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 290,000
Southeastern Bank
1010 NORTH WAY, POST OFFICE BOX 455
DARIEN, GA 31305
* $ n/a 4 $ 1,070,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 420,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 4 $ 470,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 3 $ 575,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 3 $ 245,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 3 $ 135,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 3 $ 315,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 3 $ 635,000
Pineland Bank
501 W. 12TH STREET, P. O. BOX 1988
ALMA, GA 31510
* $ n/a 3 $ 285,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 255,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 3 $ 185,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 3 $ 405,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 635,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 725,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 350,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 2 $ 230,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 470,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ n/a 2 $ 520,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 300,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 290,000
Southeastern Credit Union
PO BOX 2067 VALDOSTA, GA 31604
VALDOSTA, GA 31602
* $ n/a 2 $ 150,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 2 $ 270,000
Colony Bank
302 SOUTH MAIN ST.
FITZGERALD, GA 31750
* $ n/a 2 $ 180,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 2 $ 360,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 2 $ 360,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 330,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 560,000
Credit Union Financial Services, LLC
2476 LAWRENCEVILLE HIGHWAY SUITE 101
DECATUR, GA 30033
* $ n/a 2 $ 310,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 2 $ 370,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 490,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 2 $ 270,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 2 $ 3,020,000
Guardian Bank
701 WILDWOOD PLANTATION DR.
VALDOSTA, GA 31604
* $ n/a 2 $ 100,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 160,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 2 $ 230,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 2 $ 490,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 190,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 230,000
Glennville Bank
P.O. BOX 278
GLENNVILLE, GA 30427
* $ n/a 2 $ 250,000
Radiant Credit Union
405 SE 2ND PLACE
GAINESVILLE, FL 32606
* $ n/a 1 $ 75,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 115,000
Community First Credit Union of Florida
637 N. LEE STREET
JACKSONVILLE, FL 32204
* $ n/a 1 $ 315,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 175,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 95,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 335,000
First Commerce Credit Union
107 E COLLEGE AVE
TALLAHASSEE, FL 32317
* $ n/a 1 $ 55,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 1 $ 195,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ n/a 1 $ 155,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 105,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 65,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 1 $ 165,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 265,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 135,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ n/a 1 $ 175,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ n/a 1 $ 125,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 1 $ 55,000
1st 2nd Mortgage Company of N.J., Inc.
50 SPRING ST
CRESSKILL, NJ 07626
* $ n/a 1 $ 145,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ n/a 1 $ 15,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 1 $ 145,000
Constructive Loans LLC
1801 S MEYERS RD
OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 135,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 175,000
First National Bank of Coffee County
420 S MADISON AVE
DOUGLAS, GA 31533
* $ n/a 1 $ 145,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 185,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ n/a 1 $ 125,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 125,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ n/a 1 $ 85,000
Agsouth Farm Credit

LINCOLNTON, NC 28092
* $ n/a 1 $ 35,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 1 $ 105,000
Direct Lenders, Llc.
1600 KENNESAW DUE WEST ROAD SUITE 610
KENNESAW, GA 30152
* $ n/a 1 $ 475,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 425,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 155,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 305,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 25,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 1 $ 205,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 175,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ n/a 1 $ 335,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 1 $ 295,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 1 $ 155,000
Georgia United Credit Union
6705 SUGARLOAF PARKWAY
DULUTH, GA 30097
* $ n/a 1 $ 35,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 65,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 95,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 105,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 105,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ n/a 1 $ 105,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 25,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 165,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 215,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 145,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 155,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 55,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 105,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 125,000
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 1 $ 315,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 405,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 1 $ 165,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 115,000
Nj Lenders Corp
219 PATERSON AVE
LITTLE FALLS, NJ 07424
* $ n/a 1 $ 355,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 1 $ 115,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 1 $ 55,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 275,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 305,000

The tables below break down 2025 mortgage applications in Ware County, GA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Ware County, GA in 2025

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 637 $108,065,000 $169,000 $1,205,000 $79,000 $2,401,000
Cash-out Refinancing 243 $35,755,000 $147,000 $405,000 $77,000 $229,000
Refinancing 166 $29,430,000 $177,000 $2,925,000 $100,000 $1,200,000
Other Purpose 100 $7,280,000 $72,000 $215,000 $74,000 $480,000
Home Improvement 86 $6,130,000 $71,000 $215,000 $90,000 $500,000
Not Applicable 5 $625,000 $125,000 $175,000 $68,000 $68,000

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 651 $93,695,000 $143,000 $565,000 $83,000 $2,401,000
Black or African American 206 $28,210,000 $136,000 $455,000 $73,000 $500,000
Not Provided 181 $26,935,000 $148,000 $405,000 $72,000 $391,000
Not applicable 137 $29,345,000 $214,000 $2,925,000 $94,000 $214,000
Hispanic 41 $5,865,000 $143,000 $355,000 $70,000 $177,000
Asian 13 $1,945,000 $149,000 $305,000 $166,000 $766,000
American Indian or Alaskan Native 7 $1,145,000 $163,000 $355,000 $330,000 $1,200,000
Native Hawaiian or Other Pacific Islander 1 $145,000 $145,000 $145,000 $90,000 $90,000

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) 740 $90,460,000 $122,000 $2,925,000 $87,000 $2,401,000
FHA-insured (Federal Housing Administration) 282 $46,500,000 $164,000 $425,000 $62,000 $189,000
VA-guaranteed (Veterans Administration) 182 $44,870,000 $246,000 $565,000 $88,000 $229,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 33 $5,455,000 $165,000 $255,000 $67,000 $102,000

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 544 $88,220,000 $162,000 $2,925,000 $85,000 $766,000
Application Denied By Financial Institution 287 $34,485,000 $120,000 $375,000 $83,000 $2,401,000
Application Withdrawn By Applicant 176 $28,980,000 $164,000 $455,000 $74,000 $252,000
Loan Purchased By The Institution 100 $18,540,000 $185,000 $475,000 $89,000 $214,000
File Closed For Incompleteness 95 $12,085,000 $127,000 $405,000 $66,000 $221,000
Application Approved But Not Accepted 34 $4,890,000 $143,000 $335,000 $89,000 $391,000
Preapproval Approved but not Accepted 1 $85,000 $85,000 $85,000 $91,000 $91,000
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
Not applicable 922 $149,000,000 $161,000 $2,925,000 $79,000 $766,000
Credit History 122 $15,870,000 $130,000 $315,000 $100,000 $2,401,000
Debt-To-Income Ratio 86 $9,750,000 $113,000 $555,000 $75,000 $557,000
Collateral 31 $3,365,000 $108,000 $245,000 $110,000 $500,000
Credit Application Incomplete 28 $3,270,000 $116,000 $275,000 $58,000 $162,000
Unverifiable Information 21 $2,525,000 $120,000 $265,000 $62,000 $129,000
Other 18 $2,180,000 $121,000 $315,000 $86,000 $252,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,035,000 $147,000 $215,000 $83,000 $136,000
Employment History 2 $290,000 $145,000 $155,000 $76,000 $100,000
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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