Warren County, TN Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,280 mortgage applications in Warren County, TN totaling $145.8 million, up 11% from 2015. The average application was for $113,000, and applicants reported an average income of $55,000. 47% of applications resulted in an originated loan and 23% were denied. The most active lender was First National Bank of Middle Tennessee, with 204 applications, followed by Regions Bank and Firstbank.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Tennessee.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,280
Total Mortgage Loan Application Amount $145,753,000
Average Mortgage Loan Application Amount $113,000
Highest Mortgage Loan Application Amount $1,840,000
Average Applicant Income $55,000
Highest Applicant Income $1,333,000

Mortgage Company List for Lending in Warren County, TN for 2016

* 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 Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ 485,061,000 204 $ 21,504,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 95 $ 6,008,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 78 $ 8,798,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 76 $ 10,998,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 73 $ 7,140,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ 692,255,000 60 $ 6,691,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 41 $ 5,285,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 35 $ 4,060,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 29 $ 1,952,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 28 $ 2,278,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 27 $ 3,765,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 23 $ 3,316,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 22 $ 2,740,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 19 $ 2,211,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 19 $ 2,244,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ 1,845,775,000 16 $ 1,546,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 15 $ 2,379,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 14 $ 1,516,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 12 $ 1,682,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 11 $ 771,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 10 $ 1,423,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 10 $ 1,402,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 10 $ 1,515,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 9 $ 1,295,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 9 $ 1,044,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 8 $ 1,068,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 8 $ 1,060,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 785,530,000 7 $ 2,135,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 7 $ 569,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 7 $ 682,000
First National Mortgage Servic
1111 NORTH MAPLE STREET
MURFREESBORO, TN 37130
* $ 201,335,000 7 $ 949,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 777,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 6 $ 552,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 568,000
The First National Bank of Manchester
100 W HIGH ST
MANCHESTER, TN 37355
* $ 244,075,000 6 $ 583,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 6 $ 1,083,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 6 $ 465,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 6 $ 575,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 6 $ 145,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 5 $ 445,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 596,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 5 $ 171,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 5 $ 816,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 465,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 4 $ 576,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 4 $ 474,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 552,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 4 $ 163,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 19,425,339,000 4 $ 667,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 476,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 4 $ 702,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 557,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 691,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ 2,009,445,000 3 $ 439,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 3 $ 443,000
Franklin Synergy Bank
722 COLUMBIA AVENUE
FRANKLIN, TN 37064
* $ 2,165,892,000 3 $ 427,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 3 $ 254,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 387,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 3 $ 382,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 3 $ 427,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 3 $ 356,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 3 $ 464,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 3 $ 421,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ 40,000,000 3 $ 372,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 3 $ 467,000
Platinum Financial Funding, LLC
1913 GUNBARREL ROAD
CHATTANOOGA, TN 37421
* $ 1,071,000 3 $ 270,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 3 $ 389,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 198,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 456,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 327,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 2 $ 418,000
Fsnb, National Association
PO BOX 33309
LAWTON, OK 73501
* $ 379,807,000 2 $ 15,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 2 $ 227,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 2 $ 100,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 206,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 173,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 2 $ 485,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 2 $ 196,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 358,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 2 $ 343,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 2 $ 318,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 2 $ 171,000
First Vision Bank of Tennessee
1401 N. JACKSON STREET
TULLAHOMA, TN 37388
* $ 185,422,000 2 $ 86,000
Wellworth Bank
400 HWY 52 BYPASS WEST
LAFAYETTE, TN 37083
* $ 841,451,000 2 $ 92,000
Pinnacle Bank
150 3RD AVE SOUTH, SUITE 900
NASHVILLE, TN 37201
* $ 8,685,659,000 2 $ 300,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 907,851,000 2 $ 484,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 2 $ 423,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 2 $ 481,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 2 $ 282,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 5,592,561,000 1 $ 166,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ 10,000,000 1 $ 128,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ 42,892,123,000 1 $ 75,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 417,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 90,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 111,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 1 $ 106,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ 26,264,000 1 $ 262,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ 10,000,000 1 $ 168,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 1 $ 169,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 384,114,000 1 $ 26,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 158,000
State Bank and Trust Company
4219 FORSYTH ROAD
MACON, GA 31210
* $ 3,455,981,000 1 $ 85,000
Southern Community Bank
1400 NORTH JACKSON STREET
TULLAHOMA, TN 37388
* $ 191,509,000 1 $ 94,000
Community First Bank
5525 US HIGHWAY 10 E
ROSHOLT, WI 54482
* $ 413,823,000 1 $ 264,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 1 $ 86,000
Finworth Mortgage, LLC, An Insbank Company
2106 CRESTMOOR ROAD
NASHVILLE, TN 37215
* $ 319,700,000 1 $ 132,000
Gsf Mortgage Corp
15430 W CAPITOL DRIVE
BROOKFIELD, WI 53005
* $ 10,000,000 1 $ 57,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 1 $ 193,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 1 $ 169,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 12,356,237,000 1 $ 165,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 75,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 108,000
Allen Mortgage Lc
1675 S CENTRAL ST
CENTENNIAL PARK, AZ 86021
* $ 1,700,000 1 $ 128,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 57,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,134,877,000 1 $ 198,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 1 $ 240,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 1 $ 93,000
Gardner Financial Services, Ltd.
3503 PAESANOS PKWY
SAN ANTONIO, TX 78231
* $ 81,392,000 1 $ 133,000
First Tn Bk NA
333 FAYETTEVILLE ST
RALEIGH, NC 27601
* $ 7,451,485,000 1 $ 72,000
American Southwest Mortgage Funding Corp
5900 MOSTELLER DRIVE SUITE 8
OKLAHOMA CITY, OK 73112
* $ 336,426,000 1 $ 87,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 231,000
Cb&S Bank
200 JACKSON AVE. S.
RUSSELLVILLE, AL 35653
* $ 1,515,162,000 1 $ 100,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 155,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 140,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 227,000
Forethought Life Insurance Co
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ 100,000,000 1 $ 146,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 123,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 175,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 173,000
Christensen Financial, Inc.
860 N SR 434
ALTAMONTE SPRINGS, FL 32714
* $ 10,000,000 1 $ 235,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 81,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ 216,152,000 1 $ 184,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 1 $ 90,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 52,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 1 $ 100,000
Atlantic Capital Bank, National Association
1110 MARKET STREET SUITE 300
CHATTANOOGA, TN 37402
* $ 2,638,691,000 1 $ 86,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 822,669,000 1 $ 32,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ 10,000,000 1 $ 139,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 170,000
Citizens Bank
100 MCMURRY BLVD
HARTSVILLE, TN 37074
* $ 190,145,000 1 $ 100,000

The tables below break down 2016 mortgage applications in Warren County, TN 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, TN in 2016

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 594 $72,917,000 $122,000 $1,500,000 $54,000 $1,250,000
Home Purchase 585 $68,079,000 $116,000 $1,840,000 $55,000 $1,333,000
Home Improvement 101 $4,757,000 $47,000 $232,000 $59,000 $377,000

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 989 $110,733,000 $111,000 $1,500,000 $59,000 $1,080,000
Not applicable 142 $19,853,000 $139,000 $1,840,000 $10,000 $110,000
Not Provided 68 $7,634,000 $112,000 $480,000 $101,000 $1,333,000
Hispanic 44 $4,004,000 $91,000 $600,000 $59,000 $864,000
Black or African American 27 $2,248,000 $83,000 $320,000 $38,000 $100,000
American Indian or Alaskan Native 8 $1,034,000 $129,000 $266,000 $65,000 $179,000
Asian 2 $247,000 $123,000 $147,000 $53,000 $70,000
Native Hawaiin 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) 759 $82,183,000 $108,000 $1,840,000 $69,000 $1,333,000
FHA-insured (Federal Housing Administration) 218 $25,778,000 $118,000 $337,000 $38,000 $120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 152 $15,613,000 $102,000 $218,000 $31,000 $75,000
VA-guaranteed (Veterans Administration) 151 $22,179,000 $146,000 $455,000 $36,000 $300,000

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 597 $68,504,000 $114,000 $1,500,000 $66,000 $1,333,000
Application Denied By Financial Institution 300 $29,406,000 $98,000 $455,000 $53,000 $1,080,000
Loan Purchased By The Institution 189 $23,259,000 $123,000 $415,000 $22,000 $220,000
Application Withdrawn By Applicant 101 $14,318,000 $141,000 $1,840,000 $59,000 $869,000
Application Approved But Not Accepted 52 $5,736,000 $110,000 $253,000 $60,000 $525,000
File Closed For Incompleteness 41 $4,530,000 $110,000 $402,000 $51,000 $377,000
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 58 $3,983,000 $68,000 $232,000 $48,000 $150,000
Debt-To-Income Ratio 23 $2,340,000 $101,000 $393,000 $34,000 $135,000
Collateral 18 $1,793,000 $99,000 $238,000 $45,000 $82,000
Credit Application Incomplete 11 $1,384,000 $125,000 $228,000 $65,000 $156,000
Other 6 $843,000 $140,000 $241,000 $94,000 $377,000
Unverifiable Information 2 $101,000 $50,000 $89,000 $34,000 $53,000
Insufficient Cash (Downpayment, Closing Cost) 2 $103,000 $51,000 $63,000 $19,000 $23,000
Employment History 1 $22,000 $22,000 $22,000 $31,000 $31,000
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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