Washington County, ID Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 949 mortgage applications in Washington County, ID totaling $80.8 million, down 10% from 2003. The average application was for $85,000, and applicants reported an average income of $46,000. 40% of applications resulted in an originated loan and 25% were denied. The most active lender was Wells Fargo Bank, NA, with 82 applications, followed by Countrywide Home Loans and Zions First National 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 | 949 |
| Total Mortgage Loan Application Amount | $80,759,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $869,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $588,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 82 | $ 6,659,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 79 | $ 7,503,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 10,650,635,000 | 77 | $ 4,859,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 40 | $ 3,595,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 33 | $ 2,691,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 30 | $ 2,652,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 28 | $ 2,379,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 27 | $ 2,334,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 27 | $ 2,658,000 |
| Panhandle State Bank 414 CHURCH STREET SANDPOINT, ID 83864 |
* | $ 409,386,000 | 23 | $ 2,079,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 20 | $ 2,195,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 18 | $ 1,906,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 1,789,000 |
| Pacific Republic Mortgage Corp 2150 TOWNE CENTRE PLACE SUITE 300 ANAHEIM, CA 92806 |
* | $ 10,000,000 | 17 | $ 1,277,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 14 | $ 1,261,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 14 | $ 1,254,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 14 | $ 715,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 29,300,245,000 | 13 | $ 930,000 |
| Wells Fargo Fin'l Oregon, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 13 | $ 764,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 12 | $ 1,074,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 12 | $ 780,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 9 | $ 742,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 9 | $ 619,000 |
| Action Mortgage Company 111 N WALL SPOKANE, WA 99201 |
* | $ 1,511,681,000 | 9 | $ 705,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 9 | $ 745,000 |
| Wells Fargo Fin'l Idaho, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 9 | $ 782,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 9 | $ 946,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 9 | $ 895,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 9 | $ 702,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 9 | $ 713,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 8 | $ 284,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 8 | $ 743,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 8 | $ 660,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 8 | $ 719,000 |
| Farmers & Merchants State Bank 121 N 9TH STREET, SUITE 200 BOISE, ID 83702 |
* | $ 377,488,000 | 7 | $ 793,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 7 | $ 750,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 6 | $ 735,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 6 | $ 638,000 |
| Agwest Farm Credit, Flca 2001 SOUTH FLINT ROAD SPOKANE, WA 99224 |
* | $ 4,658,882,000 | 6 | $ 1,394,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 6 | $ 219,000 |
| Montana Mortgage Company PO BOX 1917 KALISPELL, MT 59903 |
* | $ 31,000,000 | 5 | $ 362,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 5 | $ 98,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 5 | $ 280,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 5 | $ 292,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 5 | $ 309,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 585,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 4 | $ 235,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 218,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 279,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 4 | $ 321,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 4 | $ 266,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 4 | $ 155,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 202,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 4 | $ 680,000 |
| Washington Mutual Bank, FSB 227 EAST AVENUE ALBION, NY 14411 |
* | $ 762,053,000 | 4 | $ 308,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 4 | $ 258,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 146,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 43,610,071,000 | 3 | $ 169,000 |
| Moneyline Lending Services 15420 LAGUNA CANYON RD. STE. 100 IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 215,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 3 | $ 367,000 |
| American Mortgage Network 10421 WATERIDGE CIR STE 250 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 261,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 3 | $ 153,000 |
| Wealthbridge Mortgage Corp. 15455 NW GREENBRIER PKWY, STE. 111 BEAVERTON, OR 97006 |
* | $ 10,000,000 | 3 | $ 393,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 3 | $ 225,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 3 | $ 186,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 3 | $ 253,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 3 | $ 257,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 3 | $ 227,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 3 | $ 563,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 2 | $ 98,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 2 | $ 205,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 121,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 2 | $ 72,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 171,000 |
| D. L. Evans Bank 375 N OVERLAND AVE BURLEY, ID 83318 |
* | $ 387,379,000 | 2 | $ 291,000 |
| Capital Educators Fed CU PO BOX 570 (275 S STRATFORD DR) MERIDIAN, ID 83680 |
* | $ 145,267,000 | 2 | $ 113,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 205,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 207,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Spectrum Funding Corporation 7084 SOUTH 2300 EAST SLC, UT 84121 |
* | $ 2,028,000,000 | 2 | $ 186,000 |
| Staten Island Bank & T C/O Icb 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 7,445,108,000 | 2 | $ 109,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 158,000 |
| Provident Bank 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 16,980,253,000 | 2 | $ 141,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 165,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 2 | $ 135,000 |
| Sib Mortgage Corp. 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 2,646,970,000 | 2 | $ 109,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 79,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 131,000 |
| Washingtion Mutual Finance Cor 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 1 | $ 5,000 |
| Washington Federal S&L 425 PIKE STREET SEATTLE, WA 98101 |
* | $ 7,535,396,000 | 1 | $ 168,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 60,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 21,000 |
| Washington Trust Bank 717 W SPRAGUE AVE SPOKANE, WA 99201 |
* | $ 2,210,056,000 | 1 | $ 869,000 |
| Priceline Mortgage Company LLC 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 75,254,000 | 1 | $ 178,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Rainland Mortgage Company 1200 EXECUTIVE PARKWAY SUITE 430 EUGENE, OR 97401 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Rbc Mortgage P O BOX 1220 ROCKY MOUNT, NC 27802 |
* | $ 305,652,000 | 1 | $ 97,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 124,453,567,000 | 1 | $ 58,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 181,042,000 | 1 | $ 25,000 |
| National Bank of Arkansas 4004 MCCAIN BLVD NORTH LITTLE ROCK, AR 72116 |
* | $ 141,097,000 | 1 | $ 81,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Ocul Services, Inc. 8205 SW CREEKSIDE PL, SUITE 220 BEAVERTON, OR 97008 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Ocwen Federal Bank FSB 1661 WORTHINGTON AVENUE #100 WEST PALM BEACH, FL 33409 |
* | $ 1,012,437,000 | 1 | $ 162,000 |
| Best Rate Funding Corp 2 MAC ARTHUR PLACE, STE. 800 SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 90,000 |
| California Bank & Trust 16041 GOLDENWEST STREET HUNTINGTON BEACH, CA 92647 |
* | $ 9,216,033,000 | 1 | $ 75,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 1 | $ 75,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 93,000 |
| Deseret First Credit Union 3999 PARKWAY BOULEVARD WEST VALLEY CITY, UT 84120 |
* | $ 279,481,000 | 1 | $ 40,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 1 | $ 90,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 159,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 1,000 |
| Beal Bank 6000 LEGACY DRIVE PLANO, TX 75024 |
* | $ 5,546,204,000 | 1 | $ 32,000 |
| Home Mortgage Resources 2076 S EAGLE ROAD MERIDIAN, ID 83642 |
* | $ 10,000,000 | 1 | $ 244,000 |
| Firstbank Northwest 920 MAIN STREET LEWISTON, ID 83501 |
* | $ 684,052,000 | 1 | $ 82,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 104,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 60,000 |
| First Mortgage Company, Inc. 7670 W. EMERALD STREET BOISE, ID 83704 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Idaho Banking Company 402 S EAGLE RD EAGLE, ID 83616 |
* | $ 139,497,000 | 1 | $ 159,000 |
| Idahy Credit Union 1010 N ROSE ST BOISE, ID 83703 |
* | $ 66,517,000 | 1 | $ 99,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 1 | $ 94,000 |
| Master Financial, Inc. 505 CITY PARKWAY WEST SUITE 800 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 95,000 |
The tables below break down 2004 mortgage applications in Washington County, ID by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Washington County, ID in 2004
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 | 570 | $51,932,000 | $91,000 | $525,000 | $46,000 | $588,000 |
| Home Purchase | 314 | $25,605,000 | $81,000 | $869,000 | $45,000 | $450,000 |
| Home Improvement | 65 | $3,222,000 | $49,000 | $276,000 | $46,000 | $498,000 |
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 | 701 | $62,009,000 | $88,000 | $525,000 | $48,000 | $498,000 |
| Not Provided | 109 | $8,303,000 | $76,000 | $235,000 | $49,000 | $588,000 |
| Hispanic | 71 | $4,440,000 | $62,000 | $155,000 | $39,000 | $144,000 |
| Not applicable | 54 | $4,801,000 | $88,000 | $869,000 | $19,000 | $250,000 |
| American Indian or Alaskan Native | 7 | $552,000 | $78,000 | $105,000 | $39,000 | $80,000 |
| Asian | 3 | $379,000 | $126,000 | $152,000 | $211,000 | $468,000 |
| Black or African American | 2 | $103,000 | $51,000 | $58,000 | $53,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $172,000 | $86,000 | $92,000 | $69,000 | $77,000 |
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) | 869 | $73,922,000 | $85,000 | $869,000 | $48,000 | $588,000 |
| FHA-insured (Federal Housing Administration) | 68 | $5,657,000 | $83,000 | $147,000 | $28,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,180,000 | $98,000 | $167,000 | $24,000 | $59,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $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 | 378 | $31,899,000 | $84,000 | $869,000 | $48,000 | $450,000 |
| Application Denied By Financial Institution | 239 | $19,764,000 | $82,000 | $323,000 | $47,000 | $498,000 |
| Application Withdrawn By Applicant | 130 | $11,705,000 | $90,000 | $306,000 | $48,000 | $588,000 |
| Loan Purchased By The Institution | 110 | $9,101,000 | $82,000 | $320,000 | $35,000 | $400,000 |
| Application Approved But Not Accepted | 75 | $7,005,000 | $93,000 | $407,000 | $45,000 | $210,000 |
| File Closed For Incompleteness | 17 | $1,285,000 | $75,000 | $188,000 | $40,000 | $104,000 |
| 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 | 57 | $4,061,000 | $71,000 | $178,000 | $48,000 | $468,000 |
| Other | 53 | $4,253,000 | $80,000 | $235,000 | $51,000 | $498,000 |
| Collateral | 32 | $2,629,000 | $82,000 | $170,000 | $55,000 | $204,000 |
| Debt-To-Income Ratio | 24 | $2,308,000 | $96,000 | $175,000 | $39,000 | $80,000 |
| Credit Application Incomplete | 15 | $1,177,000 | $78,000 | $175,000 | $38,000 | $96,000 |
| Unverifiable Information | 5 | $359,000 | $71,000 | $130,000 | $35,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $475,000 | $95,000 | $323,000 | $110,000 | $245,000 |
| Employment History | 2 | $155,000 | $77,000 | $85,000 | $15,000 | $16,000 |
| 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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