Watauga County, NC Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 2,771 mortgage applications in Watauga County, NC totaling $931.8 million, down 37% from 2021. The average application was for $336,000, and applicants reported an average income of $189,000. 62% of applications resulted in an originated loan and 12% were denied. The most active lender was State Employees' Credit Union, with 371 applications, followed by Movement Mortgage, LLC and Truist 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 2,771
Total Mortgage Loan Application Amount $931,825,000
Average Mortgage Loan Application Amount $336,000
Highest Mortgage Loan Application Amount $6,025,000
Average Applicant Income $189,000
Highest Applicant Income $4,262,000

Mortgage Company List for Lending in Watauga County, NC 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
State Employees' Credit Union
P.O. DRAWER 25279
RALEIGH, NC 27611
* $ 51,653,025,000 371 $ 73,545,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 133 $ 52,455,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 115 $ 32,235,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 102 $ 38,660,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 96 $ 27,420,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 87 $ 26,335,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 81 $ 30,025,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 20,897,645,000 63 $ 25,435,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 52 $ 10,300,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ 1,784,992,000 46 $ 13,350,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 45 $ 16,435,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 43 $ 10,865,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 39 $ 15,295,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 38 $ 12,140,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 36 $ 11,430,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 31 $ 10,315,000
Skyline National Bank
PO BOX 186
INDEPENDENCE, VA 24348
* $ 995,564,000 29 $ 13,195,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 26 $ 8,040,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 23 $ 11,465,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 23 $ 3,775,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 23 $ 8,995,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 23 $ 11,275,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 3,183,928,000 23 $ 11,355,000
New Peoples Bank, Inc
PO BOX 1810
HONAKER, VA 24260
* $ 794,409,000 22 $ 8,830,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 22 $ 5,280,000
Piedmont Federal Savings Bank
201 SOUTH STRATFORD ROAD
WINSTON SALEM, NC 27103
* $ 871,367,000 21 $ 6,115,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 20 $ 7,630,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 423,958,417,000 19 $ 15,475,000
Civic FCU
P.O. DRAWER 25279
RALEIGH, NC 27609
* $ 3,281,700,000 19 $ 3,285,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 19 $ 2,195,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 19 $ 4,075,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 5,960,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ 41,822,249,000 17 $ 5,575,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 16 $ 4,480,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 16 $ 6,790,000
Coastal Federal Credit Union
PO BOX 99167
RALEIGH, NC 27690
* $ 4,623,157,000 16 $ 5,140,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 3,665,000
Allen Tate Mortgage Partners, LLC
8640 UNIVERSITY EXECUTIVE PARK DR
CHARLOTTE, NC 28262
* $ -1,000 15 $ 5,065,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 14 $ 4,870,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 4,710,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 13 $ 4,185,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 12 $ 4,180,000
Uwharrie Bank
P.O. BOX 338
ALBEMARLE, NC 28002
* $ 937,793,000 12 $ 4,300,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 11 $ 4,385,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 11 $ 5,765,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 11 $ 6,195,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 11 $ 1,325,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 10 $ 3,380,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 3,210,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 10 $ 6,660,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 10 $ 3,070,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ -1,000 10 $ 5,530,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 9 $ 3,385,000
The Fidelity Bank
100 S. MAIN STREET
FUQUAY-VARINA, NC 27526
* $ 3,564,427,000 9 $ 6,025,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 3,645,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 38,275,134,000 9 $ 6,085,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 9 $ 2,985,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 8 $ 2,380,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 1,560,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 8 $ 2,480,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 8 $ 3,910,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 8 $ 3,130,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 16,361,399,000 8 $ 3,480,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 8 $ 3,980,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 2,690,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 7 $ 2,345,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 2,285,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 7 $ 2,435,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ 3,779,449,000 7 $ 1,435,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 7 $ 2,455,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 7 $ 1,865,000
First Bank
PO BOX 508
TROY, NC 27371
* $ 10,516,825,000 7 $ 3,575,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 2,295,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 6 $ 2,200,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 6 $ 1,770,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 6 $ 1,120,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 6 $ 600,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 6 $ 1,440,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 6 $ 4,240,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 2,420,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 6 $ 2,480,000
Amnet Esop Corp dba American Mortgage Network
347 3RD AVE 2ND FLOOR
CHULA VISTA, CA 91910
* $ -1,000 6 $ 1,700,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,690,000
Corporate Investors Mortgage G
1414 RALEIGH RD STE 400
CHAPEL HILL, NC 27517
* $ -1,000 6 $ 3,010,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 6 $ 2,250,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 6 $ 1,840,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 6 $ 2,020,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 5 $ 2,065,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ -1,000 5 $ 1,015,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 5 $ 1,235,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 5 $ 2,385,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 5 $ 1,465,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 1,085,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 5 $ 1,935,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,005,076,000 5 $ 1,545,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 121,064,212,000 5 $ 3,485,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ -1,000 5 $ 2,435,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 5 $ 495,000
Hometrust Bank
PO BOX 10
ASHEVILLE, NC 28802
* $ 3,502,617,000 4 $ 1,370,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 4 $ 2,010,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,423,533,000 4 $ 1,230,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 4 $ 1,670,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 4 $ 2,140,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 4 $ 2,830,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 1,680,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 4 $ 1,500,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 4 $ 970,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 980,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 870,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 4 $ 1,090,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 4 $ 1,510,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 1,255,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 445,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 3 $ 1,095,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 465,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 3 $ 1,175,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 815,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 3 $ 1,365,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 3 $ 395,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 3 $ 1,165,000
First Federal Savings Bank of Lincolnton
320 EAST MAIN STREET
LINCOLNTON, NC 28092
* $ 451,164,000 3 $ 1,185,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 3 $ 1,025,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 3 $ 1,245,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 3 $ 1,385,000
Southern First Bank
100 VERDAE BLVD
GREENVILLE, SC 29607
* $ 2,925,939,000 3 $ 2,125,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 1,435,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 3 $ 1,145,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 1,405,000
Amerant Bank, N.A.
220 ALHAMBRA CIRCLE
MIAMI, FL 33134
* $ 7,622,254,000 3 $ 965,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 3 $ 785,000
First Carolina Bank
171 N WINSTEAD AVE
ROCKY MOUNT, NC 27804
* $ 1,418,011,000 3 $ 11,635,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 57,224,306,000 3 $ 1,075,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 38,107,223,000 3 $ 3,145,000
Miami Firefighters Federal Credit Union
1111 NW 7TH ST
MIAMI, FL 33136
* $ 151,085,000 3 $ 615,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 3 $ 1,325,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 3 $ 485,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 3 $ 1,465,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 2 $ 670,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 570,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,068,592,000 2 $ 320,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 2 $ 590,000
North State Bank
6200 FALLS OF THE NEUSE ROAD
RALEIGH, NC 27609
* $ 1,395,387,000 2 $ 1,090,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 340,000
Southern Bank and Trust Company
PO BOX 729
MOUNT OLIVE, NC 28365
* $ 4,415,924,000 2 $ 750,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 550,000
Primis Bank

GLEN ALLEN, VA 23060
* $ -1,000 2 $ 480,000
Founders Federal Credit Union
737 PLANTATION ROAD
LANCASTER, SC 29720
* $ 3,596,409,000 2 $ 740,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 2 $ 1,200,000
Bank Ozk
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 26,530,430,000 2 $ 2,470,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 2 $ 920,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 2 $ 750,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ -1,000 2 $ 660,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,946,484,000 2 $ 480,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 330,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 560,000
Alpha Mortgage Corporation
1013 ASHES DRIVE
WILMINGTON, NC 28405
* $ -1,000 2 $ 620,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 2 $ 740,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 350,000
Primis Bank
10900 NUCKOLS ROAD SUITE 325 GLEN ALLEN
GLEN ALLEN, VA 23060
* $ 3,402,518,000 2 $ 790,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 2 $ 870,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 2,080,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 2 $ 890,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 2 $ 650,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 2 $ 690,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 2 $ 700,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 1,120,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 510,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 1,200,000
Peoples Bank
518 WEST C STREET
NEWTON, NC 28658
* $ 1,623,625,000 2 $ 820,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 2 $ 340,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 2 $ 1,720,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 2 $ 830,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 2 $ 300,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,535,304,000 2 $ 1,790,000
Skyla Federal Credit Union
718 CENTRAL AVENUE
CHARLOTTE, NC 28209
* $ 1,046,830,000 2 $ 570,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 9,203,588,000 2 $ 360,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 2 $ 490,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 105,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 475,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,191,780,000 1 $ 445,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 245,000
American National Bank and Trust Company
628 MAIN STREET
DANVILLE, VA 24541
* $ 3,327,290,000 1 $ 55,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 175,000
Whitley Mortgage Associates, Inc.
121 E. PHIFER ST.
MONROE, NC 28110
* $ -1,000 1 $ 185,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 9,023,056,000 1 $ 55,000
Valley National Bank
615 MAIN AVENUE
PASSAIC, NJ 07055
* $ 43,424,817,000 1 $ 675,000
Towne Mtg of the Carolinas,Llc
4515 FALLS OF NEUSE RD, STE 300
RALEIGH, NC 27612
* $ -1,000 1 $ 395,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 1 $ 375,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 415,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 94,798,000,000 1 $ 1,805,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 1 $ 475,000
University Credit Union
1500 S. SEPULVEDA BLVD.
LOS ANGELES, CA 90025
* $ 1,047,101,000 1 $ 255,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 1 $ 425,000
Champions Mortgage LLC
10575 68TH AVE C2
SEMINOLE, FL 33772
* $ -1,000 1 $ 475,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 235,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 1 $ 65,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,281,203,000 1 $ 1,895,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 225,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 305,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ -1,000 1 $ 205,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 505,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 12,464,313,000 1 $ 595,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 395,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 225,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 185,000
Silicon Valley Bank
3003 TASMAN DRIVE
SANTA CLARA, CA 95054
* $ 208,581,000,000 1 $ 245,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 1 $ 245,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 9,011,033,000 1 $ 475,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 1 $ 675,000
Parsons Federal Credit Union
100 W WALNUT STREET
PASADENA, CA 91124
* $ 263,863,000 1 $ 365,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 145,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 4,410,685,000 1 $ 1,455,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 1 $ 365,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 215,000
Excite Credit Union
3315 ALMADEN EXPY, SUITE 55
SAN JOSE, CA 95119
* $ 666,115,000 1 $ 105,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 1 $ 1,225,000
Carolina Bank
3037 W PALMETTO ST
FLORENCE, SC 29501
* $ 749,136,000 1 $ 605,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 185,000
Freedom First Federal Credit Union
5240 VALLEYPARK DRIVE
ROANOKE, VA 24019
* $ 886,853,000 1 $ 855,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 585,000
Carolina Farm Credit, Aca
P O BOX 1827
STATESVILLE, NC 28625
* $ -1,000 1 $ 455,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 1 $ 55,000
Interstate Home Loan Center, Inc.
40 MARCUS DRIVE SUITE 100
MELVILLE, NY 11747
* $ -1,000 1 $ 525,000
Ithink Financial Credit Union
1000 NW 17TH AVENUE
DELRAY BEACH, FL 33445
* $ 1,871,522,000 1 $ 395,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 1 $ 445,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 305,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 872,778,000 1 $ 445,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 1 $ 355,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 95,000
Valleystar Credit Union
41 WHEELER AVE
MARTINSVILLE, VA 24115
* $ 615,062,000 1 $ 55,000
The Middlefield Banking Company
15985 E HIGH ST. PO BOX 35
MIDDLEFIELD, OH 44062
* $ 1,329,670,000 1 $ 125,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 205,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 255,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 255,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 395,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 1 $ 505,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 165,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ -1,000 1 $ 365,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ -1,000 1 $ 305,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 265,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ -1,000 1 $ 225,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 1 $ 505,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 165,000
Village Bank Mortgage
13305 MIDLOTHIAN TURNPIKE
MIDLOTHIAN, VA 23113
* $ -1,000 1 $ 255,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 155,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 415,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ -1,000 1 $ 155,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 1 $ 375,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,136,862,000 1 $ 355,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 1 $ 275,000
Hamilton Home Loans, Inc.
1551 SAWGRASS CORPORATE PARKWAY, STE 300
SUNRISE, FL 33323
* $ -1,000 1 $ 345,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 205,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,820,544,000 1 $ 695,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 205,000
One American Bank
515 S MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ 345,640,000 1 $ 385,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 245,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 75,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 348,453,000 1 $ 205,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 185,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ -1,000 1 $ 1,645,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ -1,000 1 $ 185,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 1,505,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 235,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 155,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ -1,000 1 $ 345,000
City National Bank
555 S FLOWER ST
LOS ANGELES, CA 90071
* $ 93,227,302,000 1 $ 905,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,000,309,000 1 $ 5,705,000
The Peoples Bank
801 E FRONT ST
IVA, SC 29655
* $ 408,395,000 1 $ 475,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 1,195,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 1 $ 185,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 275,000
Andrew Johnson Bank
124 N MAIN STREET
GREENEVILLE, TN 37744
* $ 503,835,000 1 $ 1,055,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 39,076,186,000 1 $ 875,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 325,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 33,980,000,000 1 $ 1,205,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 445,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 1 $ 195,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 1 $ 295,000
Resource Financial Services, Inc.
2717 DEVINE STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 355,000
Advancial Federal Credit Union
1845 WOODALL RODGERS FWY, SUITE 1300
DALLAS, TX 75231
* $ 2,161,196,000 1 $ 285,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 265,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 525,000
Progress Bank and Trust
201 WILLIAMS AVENUE
HUNTSVILLE, AL 35801
* $ 1,779,568,000 1 $ 365,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 1 $ 875,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 4,778,940,000 1 $ 55,000
Carter Bank and Trust
PO BOX 3748
MARTINSVILLE, VA 24112
* $ 4,133,175,000 1 $ 245,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 295,000
The Bank of South Carolina
256 MEETING STREET
CHARLESTON, SC 29401
* $ 678,959,000 1 $ 335,000
Loanleaders of America, Inc
38 EXECUTIVE PARK, SUITE 260
IRVINE, CA 92614
* $ -1,000 1 $ 185,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 205,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 18,017,667,000 1 $ 505,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 1,595,000
Firstrust Savings Bank
1 WALNUT GROVE DRIVE
HORSHAM, PA 19044
* $ 5,178,645,000 1 $ 305,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 4,195,308,000 1 $ 35,000
First Reliance Bank
2170 W PALMETTO ST
FLORENCE, SC 29501
* $ 908,003,000 1 $ 395,000
Certainty Home Loans, LLC
6101 WEST PLANO PARKWAY
WILMINGTON, DE 75093
* $ -1,000 1 $ 145,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 1 $ 245,000
Texas Security Bank
1212 TURTLE CREEK BLVD
DALLAS, TX 75207
* $ 969,647,000 1 $ 405,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 265,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ 7,846,662,000 1 $ 665,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ -1,000 1 $ 415,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ -1,000 1 $ 295,000

The tables below break down 2022 mortgage applications in Watauga 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 Watauga County, NC 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 1,361 $598,165,000 $439,000 $6,025,000 $229,000 $2,876,000
Refinancing 455 $117,215,000 $257,000 $2,005,000 $138,000 $1,008,000
Cash-out Refinancing 402 $115,300,000 $286,000 $1,255,000 $120,000 $1,776,000
Other Purpose 291 $62,065,000 $213,000 $1,805,000 $186,000 $4,043,000
Home Improvement 256 $38,320,000 $149,000 $2,005,000 $178,000 $4,262,000
Not Applicable 6 $760,000 $126,000 $155,000 $28,000 $28,000

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 2,088 $660,610,000 $316,000 $2,005,000 $186,000 $4,262,000
Not Provided 329 $110,405,000 $335,000 $1,895,000 $198,000 $1,559,000
Not applicable 179 $98,895,000 $552,000 $6,025,000 $207,000 $728,000
Hispanic 88 $29,610,000 $336,000 $2,565,000 $212,000 $885,000
Asian 47 $17,275,000 $367,000 $1,035,000 $207,000 $768,000
Black or African American 22 $7,110,000 $323,000 $765,000 $203,000 $622,000
American Indian or Alaskan Native 7 $3,185,000 $455,000 $1,355,000 $187,000 $444,000
Native Hawaiian or Other Pacific Islander 2 $1,380,000 $690,000 $1,195,000 $254,000 $468,000

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) 2,607 $883,615,000 $338,000 $6,025,000 $195,000 $4,262,000
FHA-insured (Federal Housing Administration) 81 $18,685,000 $230,000 $635,000 $62,000 $318,000
VA-guaranteed (Veterans Administration) 76 $28,110,000 $369,000 $1,255,000 $96,000 $444,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $1,415,000 $202,000 $285,000 $53,000 $78,000

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 1,710 $604,550,000 $353,000 $6,025,000 $203,000 $4,262,000
Application Withdrawn By Applicant 359 $120,935,000 $336,000 $1,645,000 $193,000 $2,876,000
Application Denied By Financial Institution 331 $85,045,000 $256,000 $2,565,000 $125,000 $1,875,000
Loan Purchased By The Institution 154 $58,220,000 $378,000 $1,675,000 $221,000 $728,000
File Closed For Incompleteness 147 $42,705,000 $290,000 $1,505,000 $163,000 $1,310,000
Application Approved But Not Accepted 66 $18,390,000 $278,000 $1,195,000 $124,000 $475,000
Preapproval Approved but not Accepted 4 $1,980,000 $495,000 $965,000 $612,000 $1,559,000
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 2,430 $831,480,000 $342,000 $6,025,000 $198,000 $4,262,000
Debt-To-Income Ratio 123 $46,065,000 $374,000 $5,795,000 $83,000 $560,000
Credit History 64 $11,300,000 $176,000 $1,065,000 $102,000 $465,000
Collateral 59 $15,845,000 $268,000 $2,565,000 $162,000 $970,000
Credit Application Incomplete 43 $10,795,000 $251,000 $1,165,000 $135,000 $523,000
Other 25 $7,765,000 $310,000 $795,000 $294,000 $1,875,000
Unverifiable Information 17 $4,395,000 $258,000 $805,000 $161,000 $556,000
Insufficient Cash (Downpayment, Closing Cost) 6 $3,480,000 $580,000 $1,005,000 $171,000 $361,000
Employment History 4 $700,000 $175,000 $315,000 $43,000 $73,000
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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