Warren County, NC Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 881 mortgage applications in Warren County, NC totaling $232.1 million, up 23% from 2024. The average application was for $263,000, and applicants reported an average income of $154,000. 43% of applications resulted in an originated loan and 24% were denied. The most active lender was State Employees' Credit Union, with 128 applications, followed by Vanderbilt Mortgage and Finance, Inc and Truist 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 881
Total Mortgage Loan Application Amount $232,135,000
Average Mortgage Loan Application Amount $263,000
Highest Mortgage Loan Application Amount $3,895,000
Average Applicant Income $154,000
Highest Applicant Income $4,055,000

Mortgage Company List for Lending in Warren County, NC 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
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ n/a 128 $ 20,490,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 70 $ 9,730,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 60 $ 6,640,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 32 $ 12,720,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 22 $ 5,190,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 21 $ 6,695,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 20 $ 7,000,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 19 $ 4,175,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 17 $ 3,235,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 17 $ 5,825,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 15 $ 3,585,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 15 $ 5,675,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 15 $ 3,805,000
Benchmark Community Bank
P O BOX 569
KENBRIDGE, VA 23944
* $ n/a 13 $ 5,695,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 12 $ 1,790,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 12 $ 2,700,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ n/a 11 $ 3,245,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 11 $ 3,685,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 11 $ 6,565,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 10 $ 1,910,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ n/a 9 $ 1,315,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ n/a 8 $ 1,840,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 8 $ 1,290,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ n/a 8 $ 430,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 8 $ 2,180,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 8 $ 1,850,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 7 $ 4,395,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 7 $ 2,605,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 6 $ 1,810,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 680,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 6 $ 320,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 5 $ 1,255,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 5 $ 2,225,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 1,725,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 5 $ 2,895,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 5 $ 1,175,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 5 $ 1,055,000
First Bank
PO BOX 508
SOUTHERN PINES, NC 28387
* $ n/a 4 $ 4,120,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 4 $ 1,000,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 2,350,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 4 $ 2,100,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 4 $ 2,150,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 4 $ 630,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 540,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 440,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 4 $ 1,380,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 4 $ 1,110,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ n/a 3 $ 1,695,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 3 $ 965,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 3 $ 1,765,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 3 $ 735,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 835,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 3 $ 1,935,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 3 $ 495,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 3 $ 1,835,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 3 $ 505,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 3 $ 335,000
Corporate Investors Mortgage G
1414 RALEIGH RD STE 400
CHAPEL HILL, NC 27517
* $ n/a 3 $ 1,515,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 3 $ 1,475,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ n/a 3 $ 1,385,000
First Carolina Bank
171 N WINSTEAD AVE
ROCKY MOUNT, NC 27804
* $ n/a 3 $ 255,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 3 $ 405,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ n/a 2 $ 210,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 460,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 290,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 630,000
Mit Federal Credit Union
700 TECHNOLOGY SQUARE
LEXINGTON, MA 02421
* $ n/a 2 $ 290,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ n/a 2 $ 400,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 2 $ 130,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 910,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 2 $ 250,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 590,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 2 $ 300,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 630,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 360,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 710,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 2 $ 1,730,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 2 $ 1,310,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 2 $ 670,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 2 $ 2,050,000
Agcarolina Farm Credit, Aca
PO BOX 14789 4000 POOLE ROAD
RALEIGH, NC 27610
* $ n/a 2 $ 720,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ n/a 2 $ 390,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 470,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 370,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 160,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 350,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 2 $ 610,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 2 $ 1,060,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 400,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 2 $ 820,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ n/a 1 $ 105,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 75,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ n/a 1 $ 245,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 235,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 245,000
Citizens Bank & Trust Co.
126 SOUTH MAIN ST.
BLACKSTONE, VA 23824
* $ n/a 1 $ 45,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ n/a 1 $ 125,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ n/a 1 $ 715,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 385,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 105,000
City Lending Inc.
8150 LEESBURG PIKE SUITE 405
VIENNA, VA 22182
* $ n/a 1 $ 285,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 1,945,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 205,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 655,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 345,000
Universal Mortgage & Finance, Inc
3158 BRAVERTON STREET SUITE 204
EDGEWATER, MD 21037
* $ n/a 1 $ 175,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 255,000
Rtp Federal Credit Union
PO BOX 12807 RESEARCH TRIANGLE PARK
DURHAM, NC 27709
* $ n/a 1 $ 35,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 25,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 305,000
University Federal Credit Union
8303 N MOPAC EXPRESSWAY
AUSTIN, TX 78759
* $ n/a 1 $ 135,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 1 $ 175,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 55,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ n/a 1 $ 695,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 615,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 265,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 185,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 95,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 3,895,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 215,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 95,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 1 $ 75,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 165,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 175,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ n/a 1 $ 75,000
Bank of Botetourt
19747 MAIN STREET
BUCHANAN, VA 24066
* $ n/a 1 $ 625,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 195,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 1 $ 515,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 85,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 25,000
Carolinas Telco FCU
PO BOX 668467
CHARLOTTE, NC 28266
* $ n/a 1 $ 285,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 1 $ 95,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 225,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 195,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 1 $ 715,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ n/a 1 $ 905,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ n/a 1 $ 295,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 485,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 1 $ 75,000
Capital City Home Loans, LLC
1255 LAKES PARKWAY, BLDG 300, ST 200
KENNESAW, GA 30144
* $ n/a 1 $ 185,000
Bellco Credit Union
7600 E. ORCHARD ROAD #400N
GREENWOOD VILLAGE, CO 80111
* $ n/a 1 $ 55,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 15,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 605,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ n/a 1 $ 155,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ n/a 1 $ 285,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 1,405,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 165,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 635,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ n/a 1 $ 455,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 695,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 155,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 1 $ 765,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 1 $ 135,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ n/a 1 $ 845,000

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

Mortgage Loan Application Detail Totals for Warren County, NC 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 416 $140,580,000 $337,000 $3,895,000 $177,000 $4,055,000
Cash-out Refinancing 148 $35,130,000 $237,000 $1,605,000 $120,000 $1,780,000
Refinancing 143 $36,895,000 $258,000 $1,525,000 $171,000 $3,627,000
Home Improvement 100 $8,680,000 $86,000 $445,000 $112,000 $574,000
Other Purpose 71 $10,625,000 $149,000 $1,205,000 $136,000 $1,330,000
Not Applicable 3 $225,000 $75,000 $105,000 $39,000 $39,000

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 404 $125,610,000 $310,000 $2,725,000 $206,000 $4,055,000
Black or African American 222 $30,440,000 $137,000 $685,000 $71,000 $465,000
Not Provided 108 $29,120,000 $269,000 $2,505,000 $154,000 $1,333,000
Not applicable 85 $32,355,000 $380,000 $3,895,000 $85,000 $169,000
Hispanic 37 $11,295,000 $305,000 $1,605,000 $133,000 $716,000
American Indian or Alaskan Native 18 $1,670,000 $92,000 $225,000 $48,000 $130,000
Asian 5 $1,375,000 $275,000 $455,000 $141,000 $205,000
Native Hawaiian or Other Pacific Islander 2 $270,000 $135,000 $215,000 $123,000 $199,000

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) 651 $176,065,000 $270,000 $3,895,000 $171,000 $4,055,000
FHA-insured (Federal Housing Administration) 143 $28,555,000 $199,000 $505,000 $73,000 $228,000
VA-guaranteed (Veterans Administration) 86 $27,300,000 $317,000 $925,000 $112,000 $409,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $215,000 $215,000 $215,000 $0 $0

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 380 $124,870,000 $328,000 $2,725,000 $218,000 $4,055,000
Application Denied By Financial Institution 210 $33,410,000 $159,000 $3,895,000 $89,000 $716,000
Application Withdrawn By Applicant 100 $24,560,000 $245,000 $1,605,000 $117,000 $660,000
Loan Purchased By The Institution 89 $32,235,000 $362,000 $1,945,000 $210,000 $1,055,000
File Closed For Incompleteness 79 $12,795,000 $161,000 $1,205,000 $79,000 $631,000
Application Approved But Not Accepted 22 $4,140,000 $188,000 $695,000 $114,000 $579,000
Preapproval Approved but not Accepted 1 $125,000 $125,000 $125,000 $131,000 $131,000
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 663 $196,415,000 $296,000 $2,725,000 $178,000 $4,055,000
Credit History 73 $8,105,000 $111,000 $635,000 $82,000 $318,000
Debt-To-Income Ratio 66 $9,700,000 $146,000 $1,605,000 $82,000 $631,000
Collateral 30 $8,060,000 $268,000 $3,895,000 $98,000 $601,000
Credit Application Incomplete 23 $2,515,000 $109,000 $555,000 $93,000 $402,000
Unverifiable Information 12 $2,170,000 $180,000 $275,000 $108,000 $208,000
Other 10 $3,310,000 $331,000 $1,005,000 $174,000 $716,000
Insufficient Cash (Downpayment, Closing Cost) 3 $455,000 $151,000 $195,000 $62,000 $75,000
Employment History 1 $1,405,000 $1,405,000 $1,405,000 $473,000 $473,000
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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