Washington County, MO Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 1,007 mortgage applications in Washington County, MO totaling $134.8 million, up 26% from 2019. The average application was for $133,000, and applicants reported an average income of $76,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was First State Community Bank, with 149 applications, followed by Guild Mortgage Company and Unico 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 | 1,007 |
| Total Mortgage Loan Application Amount | $134,825,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $915,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $604,000 |
* 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 |
|---|---|---|---|---|
| First State Community Bank 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,622,768,000 | 149 | $ 17,645,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 99 | $ 15,035,000 |
| Unico Bank 625 VETERANS DR MINERAL POINT, MO 63660 |
* | $ 338,140,000 | 86 | $ 7,390,000 |
| Ozarks Federal Savings and Loan 2 E. COLUMBIA ST. FARMINGTON, MO 63640 |
* | $ 247,791,000 | 56 | $ 6,410,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 53 | $ 4,325,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 46 | $ 5,170,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 27 | $ 4,615,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 21 | $ 3,605,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 20 | $ 2,500,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,695,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 16 | $ 3,910,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 15 | $ 1,155,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 15 | $ 2,085,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 2,260,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 14 | $ 2,060,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 2,165,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 11 | $ 1,905,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 11 | $ 1,395,000 |
| Sullivan Bank PO BOX 489 SULLIVAN, MO 63080 |
* | $ 527,864,000 | 10 | $ 850,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 9 | $ 1,065,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 9 | $ 2,005,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 8 | $ 1,100,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 8 | $ 360,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 810,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 8 | $ 1,070,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 8 | $ 1,290,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 7 | $ 1,005,000 |
| First Community Credit Union 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 2,785,682,000 | 6 | $ 1,120,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 6 | $ 400,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 6 | $ 950,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,130,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ 14,144,676,000 | 6 | $ 850,000 |
| Bloomsdale Bank 55 MILL HILL ROAD, P. O. BOX 100 BLOOMSDALE, MO 63627 |
* | $ 231,636,000 | 5 | $ 1,005,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 1,205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 835,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 755,000 |
| Mortgage Solutions, LLC 19 RESEARCH PARK CT. SAINT CHARLES, MO 63304 |
* | $ -1,000 | 5 | $ 455,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 520,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ -1,000 | 4 | $ 480,000 |
| First Integrity Mortgage Services, Inc. 77 WESTPORT PLAZA SUITE 200 ST. LOUIS, MO 63146 |
* | $ -1,000 | 4 | $ 460,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 760,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 4 | $ 400,000 |
| United Bank of Union PO BOX 500 UNION, MO 63084 |
* | $ 370,680,000 | 4 | $ 870,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 550,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 800,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 3 | $ 355,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,825,507,000 | 3 | $ 495,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 3 | $ 515,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 3 | $ 775,000 |
| Scott Credit Union 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,268,134,000 | 3 | $ 465,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 335,000 |
| Vantage Credit Union 19 RESEARCH PARK CT ST CHARLES, MO 63304 |
* | $ 876,263,000 | 3 | $ 425,000 |
| Farmers and Merchants Bank of St. Clair 530 S. MAIN SAINT CLAIR, MO 63077 |
* | $ 206,110,000 | 3 | $ 245,000 |
| Family Finance Mortgage LLC 1787 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ -1,000 | 3 | $ 555,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 220,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 380,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 6,167,493,000 | 2 | $ 330,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 2 | $ 270,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 350,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 2 | $ 630,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 250,000 |
| Midwest Bankcentre 2191 LEMAY FERRY ROAD LEMAY SAINT LOUIS, MO 63125 |
* | $ 2,050,530,000 | 2 | $ 410,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 280,000 |
| Great Southern Bank 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 5,014,991,000 | 2 | $ 220,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 2 | $ 280,000 |
| West Community Credit Union 4161 STATE HWY K O'FALLON, MO 63368 |
* | $ 289,271,000 | 2 | $ 200,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 2 | $ 150,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 6,166,684,000 | 2 | $ 290,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 2 | $ 130,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 350,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 2 | $ 450,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ 104,250,000 | 1 | $ 125,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 245,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 9,679,115,000 | 1 | $ 55,000 |
| First Midwest Bank of the Ozarks P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63901 |
* | $ 448,549,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 275,000 |
| Affinity Federal Credit Union 73 MOUNTAINVIEW BLVD. BASKING RIDGE, NJ 07920 |
* | $ 3,529,015,000 | 1 | $ 25,000 |
| Fcb Banks 800 BELT LINE ROAD COLLINSVILLE, IL 62234 |
* | $ 1,749,595,000 | 1 | $ 115,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 115,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 155,000 |
| F&B Acquisition Group LLC 12412 POWERSCOURT DRIVE STE. 20 ST. LOUIS, MO 63131 |
* | $ -1,000 | 1 | $ 175,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 225,000 |
| Saints Avenue Bank 390 VETERANS RD HANNIBAL, MO 63401 |
* | $ 104,967,000 | 1 | $ 155,000 |
| American Bank of Freedom 127 WEST HUDSON WELLSVILLE, MO 63384 |
* | $ 388,069,000 | 1 | $ 85,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 95,000 |
| Access Capital Funding LLC 14366 SOUTH OUTER FORTY CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 245,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 55,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 175,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 185,000 |
| Peoples Bank 408 W WASHINGTON ST CUBA, MO 65453 |
* | $ 215,141,000 | 1 | $ 15,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,043,000 | 1 | $ 295,000 |
| Truhome Solutions, LLC 9601 LEGLER ROAD LENEXA, KS 66219 |
* | $ -1,000 | 1 | $ 235,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 1 | $ 165,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 215,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 95,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 1 | $ 335,000 |
| Fortunebank 3494 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ 199,171,000 | 1 | $ 225,000 |
| Delmar Financial Company 1066 EXECUTIVE PARKWAY SUITE 100 ST LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 265,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 115,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 95,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,996,752,000 | 1 | $ 145,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 17,659,319,000 | 1 | $ 155,000 |
| Enterprise Bank & Trust 150 N. MERAMEC AVE. CLAYTON, MO 63105 |
* | $ 7,293,396,000 | 1 | $ 115,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 2,663,225,000 | 1 | $ 135,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 145,000 |
| Boeing Employees' Credit Union 12770 GATEWAY DRIVE TUKWILA, WA 98168 |
* | $ 22,178,675,000 | 1 | $ 15,000 |
| Peoples National Bank, N.A. 520 S 42ND ST MOUNT VERNON, IL 62864 |
* | $ 1,209,673,000 | 1 | $ 205,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 115,000 |
| Electro Savings Credit Union 1805 CRAIGSHIRE ROAD ST. LOUIS, MO 63146 |
* | $ 176,719,000 | 1 | $ 105,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 145,000 |
| Heritage Community Bank 100 E LOCUST ST UNION, MO 63084 |
* | $ 146,206,000 | 1 | $ 85,000 |
| Alliance Credit Union 1280 S HIGHWAY DR FENTON, MO 63026 |
* | $ 311,983,000 | 1 | $ 175,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 195,000 |
| The Bank of Missouri 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,813,626,000 | 1 | $ 155,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 435,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 165,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 65,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,289,704,000 | 1 | $ 245,000 |
| Advantage Plus FCU 2133 E CENTER ST. POCATELLO, ID 83201 |
* | $ 164,028,000 | 1 | $ 245,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 125,000 |
| Central Bank of St. Louis 12218 MANCHEST RD. ST. LOUIS, MO 63131 |
* | $ 1,978,831,000 | 1 | $ 105,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 205,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 15,000 |
The tables below break down 2020 mortgage applications in Washington County, MO 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, MO in 2020
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 | 430 | $58,470,000 | $135,000 | $915,000 | $73,000 | $429,000 |
| Refinancing | 354 | $52,200,000 | $147,000 | $495,000 | $83,000 | $604,000 |
| Cash-out Refinancing | 128 | $18,430,000 | $143,000 | $405,000 | $72,000 | $391,000 |
| Home Improvement | 46 | $2,180,000 | $47,000 | $165,000 | $74,000 | $180,000 |
| Other Purpose | 31 | $1,785,000 | $57,000 | $185,000 | $90,000 | $524,000 |
| Not Applicable | 18 | $1,760,000 | $97,000 | $205,000 | $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 | 843 | $110,965,000 | $131,000 | $915,000 | $76,000 | $604,000 |
| Not applicable | 76 | $10,370,000 | $136,000 | $365,000 | $112,000 | $240,000 |
| Not Provided | 72 | $11,790,000 | $163,000 | $915,000 | $83,000 | $356,000 |
| American Indian or Alaskan Native | 8 | $670,000 | $83,000 | $215,000 | $48,000 | $117,000 |
| Hispanic | 4 | $380,000 | $95,000 | $125,000 | $60,000 | $68,000 |
| Black or African American | 2 | $340,000 | $170,000 | $175,000 | $92,000 | $110,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $145,000 | $145,000 | $145,000 | $82,000 | $82,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $80,000 | $80,000 |
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) | 697 | $85,775,000 | $123,000 | $645,000 | $81,000 | $604,000 |
| VA-guaranteed (Veterans Administration) | 125 | $24,895,000 | $199,000 | $915,000 | $78,000 | $356,000 |
| FHA-insured (Federal Housing Administration) | 123 | $16,215,000 | $131,000 | $325,000 | $57,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 62 | $7,940,000 | $128,000 | $265,000 | $49,000 | $132,000 |
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 | 560 | $79,500,000 | $141,000 | $915,000 | $81,000 | $604,000 |
| Application Denied By Financial Institution | 172 | $17,880,000 | $103,000 | $645,000 | $62,000 | $230,000 |
| Application Withdrawn By Applicant | 132 | $19,190,000 | $145,000 | $915,000 | $73,000 | $356,000 |
| Loan Purchased By The Institution | 72 | $10,700,000 | $148,000 | $365,000 | $113,000 | $400,000 |
| File Closed For Incompleteness | 42 | $4,380,000 | $104,000 | $235,000 | $67,000 | $151,000 |
| Application Approved But Not Accepted | 29 | $3,175,000 | $109,000 | $265,000 | $77,000 | $148,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 750 | $109,020,000 | $145,000 | $915,000 | $81,000 | $604,000 |
| Debt-To-Income Ratio | 122 | $11,510,000 | $94,000 | $345,000 | $62,000 | $195,000 |
| Credit History | 73 | $6,355,000 | $87,000 | $305,000 | $63,000 | $175,000 |
| Collateral | 20 | $2,610,000 | $130,000 | $645,000 | $87,000 | $230,000 |
| Credit Application Incomplete | 16 | $2,340,000 | $146,000 | $285,000 | $62,000 | $105,000 |
| Other | 15 | $1,605,000 | $107,000 | $275,000 | $65,000 | $125,000 |
| Unverifiable Information | 5 | $565,000 | $113,000 | $185,000 | $51,000 | $97,000 |
| Employment History | 3 | $555,000 | $185,000 | $265,000 | $75,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $265,000 | $88,000 | $105,000 | $87,000 | $107,000 |
| 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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