Wasco County, OR Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,140 mortgage applications in Wasco County, OR totaling $299.5 million, down 43% from 2021. The average application was for $262,000, and applicants reported an average income of $101,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was Fairway Independent Mort Corp, with 68 applications, followed by Rivermark Community 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 1,140
Total Mortgage Loan Application Amount $299,540,000
Average Mortgage Loan Application Amount $262,000
Highest Mortgage Loan Application Amount $3,025,000
Average Applicant Income $101,000
Highest Applicant Income $1,250,000

Mortgage Company List for Lending in Wasco County, OR for 2022

* 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
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 68 $ 20,860,000
Rivermark Community Credit Union
14405 MEYERS RD
OREGON CITY, OR 97045
* $ 1,285,268,000 66 $ 9,000,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 51 $ 8,825,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 49 $ 14,155,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 30,642,109,000 47 $ 14,305,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 42 $ 10,960,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 37 $ 10,805,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 32 $ 5,040,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 28 $ 9,330,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 27 $ 7,195,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 20,934,572,000 27 $ 4,845,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 24 $ 6,480,000
Pacific Nw Federal Credit Union
12005 NE ERIN WAY
PORTLAND, OR 97220
* $ 288,735,000 22 $ 5,960,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 22 $ 6,350,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 22 $ 5,030,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 21 $ 6,605,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ -1,000 21 $ 7,485,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 2,345,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 5,700,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 18 $ 5,690,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 18 $ 6,090,000
Onpoint Community Credit Union
2701 NW VAUGHN ST STE 800
PORTLAND, OR 97210
* $ 9,040,369,000 15 $ 2,965,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 4,375,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 12 $ 2,890,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 19,973,048,000 10 $ 2,170,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 2,740,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 19,608,230,000 10 $ 2,230,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 2,125,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 8 $ 1,750,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 1,726,757,000 8 $ 1,090,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 8 $ 1,820,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ -1,000 8 $ 2,280,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 7 $ 695,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 7 $ 425,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 7 $ 1,195,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 7 $ 4,295,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 2,025,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 7 $ 1,125,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 7 $ 2,515,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 2,165,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,680,000
Bank of the West
180 MONTGOMERY STREET
SAN FRANCISCO, CA 94104
* $ 104,790,698,000 6 $ 1,090,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,950,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 5 $ 1,385,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 5 $ 1,175,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 5 $ 1,385,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 835,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 1,675,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 1,805,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 1,140,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 4 $ 860,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 4 $ 1,490,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 4 $ 1,310,000
MUFG Union Bank, National Association
9865 TOWNE CENTRE DRIVE, 3RD FLOOR
SAN DIEGO, CA 92121
* $ 127,858,876,000 4 $ 1,520,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 640,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 1,070,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 4 $ 1,180,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 1,190,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 1,170,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 4 $ 1,620,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 4 $ 1,080,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 3 $ 725,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 3 $ 595,000
Mortgage Express
10260 SW GREENBURG ROAD #830
PORTLAND, OR 97224
* $ -1,000 3 $ 815,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 14,928,781,000 3 $ 465,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 3 $ 645,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 805,000
First Fed Bank
105 W 8TH ST
PORT ANGELES, WA 98362
* $ 1,917,431,000 3 $ 2,295,000
Oregon Community Credit Union
2880 CHAD DRIVE
EUGENE, OR 97408
* $ 2,826,121,000 3 $ 185,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 335,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 3 $ 825,000
Consolidated Community Credit
1033 NE 6TH AVE
PORTLAND, OR 97232
* $ 416,445,000 3 $ 565,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 3 $ 105,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 1,125,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 3 $ 265,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 407,850,000 3 $ 2,155,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 3 $ 905,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 625,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 3 $ 1,305,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 16,798,536,000 3 $ 525,000
First Community Credit Union
200 N. ADAMS ST.
COQUILLE, OR 97423
* $ 1,761,837,000 2 $ 250,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 970,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 2 $ 570,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 872,778,000 2 $ 1,290,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 10,716,065,000 2 $ 380,000
Ennkar, Inc.
1036 W. TAFT AVENUE SUITE 200
ORANGE, CA 92868
* $ -1,000 2 $ 390,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 2 $ 440,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 2 $ 680,000
Selco Community Credit Union
PO BOX 7487
SPRINGFIELD, OR 97475
* $ 2,557,099,000 2 $ 50,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 2 $ 480,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 210,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 630,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 2 $ 120,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 690,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 2 $ 630,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 500,000
Best Capital Funding
21540 PLUMMER STREET, SUITE A
CHATSWORTH, CA 91311
* $ -1,000 2 $ 940,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 70,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 335,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 1 $ 75,000
Shelter Growth Capital Partners LLC
750 WASHINGTON BLVD
WILMINGTON, DE 06901
* $ -1,000 1 $ 495,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 1 $ 345,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 285,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 305,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 645,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 345,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 135,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ -1,000 1 $ 445,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,824,450,000 1 $ 75,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 305,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 145,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 325,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 155,000
Iq Credit Union
1313 MAIN STREET
VANCOUVER, WA 98660
* $ 1,790,471,000 1 $ 2,745,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 1 $ 355,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 235,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 295,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 1 $ 265,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 185,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 1 $ 25,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 305,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 381,299,804,000 1 $ 3,025,000
Summit Mortgage Corporation
13355 10TH AVE N, SUITE 100
PLYMOUTH, MN 55442
* $ -1,000 1 $ 305,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 295,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 1 $ 345,000
University Credit Union
1500 S. SEPULVEDA BLVD.
LOS ANGELES, CA 90025
* $ 1,047,101,000 1 $ 115,000
Nmsi, Inc.
3700 WILSHIRE BLVD. STE. 330
LOS ANGELES, CA 90010
* $ -1,000 1 $ 255,000
Embold Federal Credit Union
18600 SE MCLOUGHLIN BOULEVARD
OAK GROVE, OR 97267
* $ 613,550,000 1 $ 165,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 255,000
Marion & Polk Schools Credit Union
PO BOX 12398
SALEM, OR 97309
* $ 1,239,515,000 1 $ 85,000
Sound Community Bank
2400 3RD AVENUE SUITE150
SEATTLE, WA 98121
* $ 919,800,000 1 $ 255,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 4,410,685,000 1 $ 435,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 215,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 175,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 155,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 185,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 105,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
Summit Mortgage Corporation
4700 SW MACADAM AVE
PORTLAND, OR 97239
* $ -1,000 1 $ 495,000
Lending 3, Inc
17220 NEWHOPE ST. SUITE 213
FOUNTAIN VALLEY, CA 92708
* $ -1,000 1 $ 145,000
Oregon State Credit Union
1980 NW 9TH STREET
CORVALLIS, OR 97330
* $ 2,088,595,000 1 $ 405,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 355,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 325,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 262,541,000 1 $ 365,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 265,000
Forrit Credit Union
95 SW TAYLOR ST
PORTLAND, OR 97233
* $ 105,145,000 1 $ 165,000
1st Security Bank of Washington
6920 220TH STREET SW
MOUNTLAKE TERRACE, WA 98043
* $ 2,286,020,000 1 $ 245,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 181,087,209,000 1 $ 2,925,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 215,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 7,158,676,000 1 $ 55,000
Northwest Community
545 EAST 8TH AVENUE
EUGENE, OR 97401
* $ 1,782,922,000 1 $ 135,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 65,000

The tables below break down 2022 mortgage applications in Wasco County, OR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Wasco County, OR in 2022

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 517 $171,015,000 $330,000 $2,745,000 $112,000 $698,000
Cash-out Refinancing 294 $74,000,000 $251,000 $645,000 $80,000 $700,000
Refinancing 127 $30,705,000 $241,000 $3,025,000 $94,000 $1,250,000
Home Improvement 102 $10,880,000 $106,000 $545,000 $107,000 $305,000
Other Purpose 97 $12,535,000 $129,000 $655,000 $105,000 $500,000
Not Applicable 3 $405,000 $135,000 $145,000 $0 $0

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 775 $191,325,000 $246,000 $1,505,000 $103,000 $1,250,000
Not Provided 159 $42,925,000 $269,000 $785,000 $110,000 $698,000
Hispanic 106 $27,040,000 $255,000 $545,000 $81,000 $230,000
Not applicable 64 $29,060,000 $454,000 $3,025,000 $66,000 $88,000
Asian 13 $3,665,000 $281,000 $605,000 $75,000 $133,000
American Indian or Alaskan Native 11 $2,685,000 $244,000 $385,000 $73,000 $125,000
Black or African American 4 $780,000 $195,000 $335,000 $85,000 $105,000
Native Hawaiian or Other Pacific Islander 3 $745,000 $248,000 $285,000 $82,000 $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) 887 $223,185,000 $251,000 $3,025,000 $107,000 $700,000
FHA-insured (Federal Housing Administration) 147 $40,825,000 $277,000 $425,000 $75,000 $1,250,000
VA-guaranteed (Veterans Administration) 97 $32,925,000 $339,000 $785,000 $84,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9 $2,605,000 $289,000 $365,000 $69,000 $88,000

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 628 $176,090,000 $280,000 $3,025,000 $105,000 $637,000
Application Denied By Financial Institution 183 $35,485,000 $193,000 $1,505,000 $89,000 $1,250,000
Application Withdrawn By Applicant 181 $48,295,000 $266,000 $1,205,000 $96,000 $700,000
Loan Purchased By The Institution 63 $18,145,000 $288,000 $645,000 $76,000 $121,000
File Closed For Incompleteness 54 $11,230,000 $207,000 $805,000 $118,000 $524,000
Application Approved But Not Accepted 26 $8,580,000 $330,000 $2,745,000 $116,000 $698,000
Preapproval Denied by Financial Institution 4 $1,390,000 $347,000 $455,000 $66,000 $79,000
Preapproval Approved but not Accepted 1 $325,000 $325,000 $325,000 $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 950 $261,300,000 $275,000 $3,025,000 $103,000 $700,000
Debt-To-Income Ratio 59 $15,625,000 $264,000 $1,505,000 $68,000 $359,000
Credit History 52 $8,370,000 $160,000 $505,000 $108,000 $1,250,000
Collateral 31 $5,675,000 $183,000 $525,000 $119,000 $549,000
Credit Application Incomplete 26 $5,020,000 $193,000 $335,000 $80,000 $149,000
Other 11 $1,435,000 $130,000 $295,000 $86,000 $170,000
Unverifiable Information 7 $1,295,000 $185,000 $405,000 $119,000 $187,000
Employment History 2 $500,000 $250,000 $395,000 $31,000 $62,000
Insufficient Cash (Downpayment, Closing Cost) 2 $320,000 $160,000 $225,000 $46,000 $59,000
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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