Warren County, NC Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 947 mortgage applications in Warren County, NC totaling $179.7 million, up 16% from 2008. The average application was for $189,000, and applicants reported an average income of $109,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was Branch Banking and Trust Co, with 231 applications, followed by Bank of America, N.A. and Wells Fargo Bank, NA.
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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 | 947 |
| Total Mortgage Loan Application Amount | $179,702,000 |
| Average Mortgage Loan Application Amount | $189,000 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $109,000 |
| Highest Applicant Income | $1,767,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 231 | $ 44,522,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 73 | $ 13,670,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 73 | $ 16,004,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 16,639,856,000 | 55 | $ 5,516,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 37 | $ 8,730,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 30 | $ 1,778,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 28 | $ 6,874,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 24 | $ 3,788,000 |
| Rbc Bank 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 30,436,225,000 | 22 | $ 5,227,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 18 | $ 2,042,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 4,680,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 17 | $ 3,244,000 |
| First-Citizens Bank & Trust Co 16 E ROWAN STREET RALEIGH, NC 27609 |
* | $ 13,862,840,000 | 16 | $ 3,433,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 15 | $ 3,030,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 14 | $ 2,385,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 13 | $ 923,000 |
| New Republic Savings Bank 420 BECKER DRIVE ROANOKE RAPIDS, NC 27870 |
* | $ 57,128,000 | 11 | $ 2,113,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 2,523,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,129,000 |
| Southern Bank and Trust Company PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 1,219,917,000 | 9 | $ 1,813,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 9 | $ 1,220,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 843,658,000 | 8 | $ 670,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 1,296,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 7 | $ 3,187,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 635,476,000,000 | 7 | $ 1,638,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 6 | $ 1,812,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 6 | $ 952,000 |
| Coastal Federal Credit Union PO BOX 99167 RALEIGH, NC 27690 |
* | $ 2,087,336,000 | 6 | $ 1,770,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 6 | $ 1,492,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 5 | $ 1,046,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 5 | $ 1,382,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 5 | $ 62,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 5 | $ 1,251,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 4 | $ 1,036,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 848,000 |
| 1st Choice Mortgage/Equity Cor 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 4 | $ 457,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 630,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 427,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 451,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 3 | $ 261,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 242,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 3 | $ 399,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 2 | $ 30,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 2 | $ 400,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 309,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 2,033,806,000 | 2 | $ 444,000 |
| First Federal 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 3,009,111,000 | 2 | $ 94,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 1,759,643,000 | 2 | $ 650,000 |
| First Bank of Georgia 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 460,726,000 | 2 | $ 834,000 |
| First South Bank 1311 CAROLINA AVE WASHINGTON, NC 27889 |
* | $ 873,303,000 | 2 | $ 358,000 |
| Citizens Bank & Trust Co. 126 SOUTH MAIN ST. BLACKSTONE, VA 23824 |
* | $ 298,851,000 | 2 | $ 284,000 |
| Xenith Bank 901 E. CARY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 606,882,000 | 2 | $ 362,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 258,044,000 | 2 | $ 185,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 2 | $ 686,000 |
| Capital Center LLC 4510 COX ROAD STE 402 GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 365,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 2 | $ 541,000 |
| Sidus Financial, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 2 | $ 767,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 411,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 2 | $ 458,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 715,000 |
| Americahomekey, Inc 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 2 | $ 322,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 30,000 |
| Bradford Mortgage Company 100 N. CHERRY STREET, SUITE 400 WINSTON-SALEM, NC 27101 |
* | $ 10,000,000 | 1 | $ 412,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Fm Lending Services, LLC 1000 ST. ALBANS DRIVE STE. 400 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 646,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 282,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 345,000 |
| Ameritrust Mortgage Inc. 11016 RUSHMORE DRIVE, SUITE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 97,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 29,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 56,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 37,000 |
| Homeowners Mortgage Enterprise 2530 DEVINE STREET COLUMBIA, SC 29205 |
* | $ 10,000,000 | 1 | $ 364,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 117,000 |
| 1st Preference Mortgage Corp. 9423 BELAIR RD BALTIMORE, MD 21236 |
* | $ 1,000,000,000 | 1 | $ 417,000 |
| Prosperity Mortgage Company 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 373,000 |
| Metamerica Mortgage 5151 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 85,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 109,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 182,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 207,000 |
| First Community Bank, N. A. P O BOX 989 BLUEFIELD, VA 24605 |
* | $ 2,103,444,000 | 1 | $ 204,000 |
| Seaside National Bank & Trust 201 S ORANGE AVE, STE 1350 ORLANDO, FL 32801 |
* | $ 367,296,000 | 1 | $ 416,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 352,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 67,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 188,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 63,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 200,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 107,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 338,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 1 | $ 412,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 616,230,000 | 1 | $ 63,000 |
| Capital Bank 333 FAYETTEVILLE STREET, SUITE 800 RALEIGH, NC 27601 |
* | $ 1,651,336,000 | 1 | $ 150,000 |
| Union Bank 1011 RED BANKS RD GREENVILLE, NC 27858 |
* | $ 315,755,000 | 1 | $ 144,000 |
| Townebank 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 3,133,589,000 | 1 | $ 127,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 140,000 |
| Gateway Bank Mortgage, Inc. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 2,212,813,000 | 1 | $ 250,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 246,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 1 | $ 176,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 110,000 |
| Union Bk 108 COLLEGE STREET OXFORD, NC 27565 |
* | $ 138,792,000 | 1 | $ 137,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 155,000 |
| Village Bank Mortgage 13305 MIDLOTHIAN TURNPIKE MIDLOTHIAN, VA 23113 |
* | $ 300,960,000 | 1 | $ 392,000 |
| George Mason Mortgage LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 1 | $ 248,000 |
| Lendmark Mortgage and Finance 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 1 | $ 24,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 416,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 335,000 |
| Langley Federal Credit Union 721 LAKEFRONT COMMONS, SUITE 102 NEWPORT NEWS, VA 23606 |
* | $ 1,250,100,000 | 1 | $ 400,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 1,614,682,000 | 1 | $ 160,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 78,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 646,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,476,384,000 | 1 | $ 270,000 |
| 1st Advantage Federal Credit U 110 CYBERNETICS WAY YORKTOWN, VA 23693 |
* | $ 494,164,000 | 1 | $ 400,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Benchmark Mortgage, Inc 4413 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 260,000 |
The tables below break down 2009 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 2009
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 | 720 | $147,872,000 | $205,000 | $1,000,000 | $114,000 | $1,767,000 |
| Home Purchase | 175 | $28,530,000 | $163,000 | $500,000 | $102,000 | $727,000 |
| Home Improvement | 52 | $3,300,000 | $63,000 | $340,000 | $58,000 | $268,000 |
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 | 554 | $124,266,000 | $224,000 | $1,000,000 | $132,000 | $1,762,000 |
| Black or African American | 171 | $17,238,000 | $100,000 | $495,000 | $52,000 | $480,000 |
| Not Provided | 134 | $21,777,000 | $162,000 | $800,000 | $106,000 | $1,767,000 |
| Not applicable | 60 | $12,449,000 | $207,000 | $578,000 | $53,000 | $565,000 |
| American Indian or Alaskan Native | 17 | $1,346,000 | $79,000 | $136,000 | $42,000 | $161,000 |
| Hispanic | 6 | $1,043,000 | $173,000 | $333,000 | $79,000 | $162,000 |
| Asian | 5 | $1,583,000 | $316,000 | $417,000 | $455,000 | $675,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 805 | $162,556,000 | $201,000 | $1,000,000 | $121,000 | $1,767,000 |
| FHA-insured (Federal Housing Administration) | 127 | $15,016,000 | $118,000 | $416,000 | $36,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,469,000 | $146,000 | $268,000 | $38,000 | $73,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $661,000 | $132,000 | $189,000 | $42,000 | $63,000 |
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 | 445 | $96,541,000 | $216,000 | $700,000 | $132,000 | $1,762,000 |
| Application Denied By Financial Institution | 216 | $28,663,000 | $132,000 | $1,000,000 | $72,000 | $652,000 |
| Loan Purchased By The Institution | 123 | $26,448,000 | $215,000 | $578,000 | $96,000 | $569,000 |
| Application Withdrawn By Applicant | 94 | $16,901,000 | $179,000 | $646,000 | $106,000 | $597,000 |
| Application Approved But Not Accepted | 38 | $7,229,000 | $190,000 | $1,000,000 | $125,000 | $1,767,000 |
| File Closed For Incompleteness | 31 | $3,920,000 | $126,000 | $417,000 | $78,000 | $275,000 |
| 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 | 60 | $6,021,000 | $100,000 | $406,000 | $56,000 | $216,000 |
| Collateral | 31 | $5,490,000 | $177,000 | $731,000 | $81,000 | $267,000 |
| Debt-To-Income Ratio | 26 | $3,809,000 | $146,000 | $417,000 | $42,000 | $158,000 |
| Other | 16 | $4,295,000 | $268,000 | $1,000,000 | $168,000 | $480,000 |
| Unverifiable Information | 8 | $1,752,000 | $219,000 | $417,000 | $120,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $242,000 | $48,000 | $71,000 | $46,000 | $70,000 |
| Credit Application Incomplete | 4 | $976,000 | $244,000 | $417,000 | $165,000 | $352,000 |
| Employment History | 3 | $184,000 | $61,000 | $92,000 | $33,000 | $41,000 |
| Mortgage Insurance Denied | 1 | $290,000 | $290,000 | $290,000 | $77,000 | $77,000 |
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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