Webster County, MO Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,688 mortgage applications in Webster County, MO totaling $326.5 million, up 16% from 2023. The average application was for $193,000, and applicants reported an average income of $89,000. 53% of applications resulted in an originated loan and 16% were denied. The most active lender was The Central Trust Bank, with 85 applications, followed by US Bank, N.A. and Southern 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 1,688
Total Mortgage Loan Application Amount $326,530,000
Average Mortgage Loan Application Amount $193,000
Highest Mortgage Loan Application Amount $965,000
Average Applicant Income $89,000
Highest Applicant Income $1,399,000

Mortgage Company List for Lending in Webster County, MO for 2024

* 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
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 85 $ 13,125,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 73 $ 11,625,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ n/a 72 $ 11,110,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 69 $ 15,975,000
Arvest Bank

TULSA, OK 74103
* $ n/a 69 $ 11,095,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 68 $ 13,620,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 59 $ 15,455,000
The Seymour Bank
119 N MAIN
SEYMOUR, MO 65746
* $ n/a 58 $ 7,090,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 51 $ 10,235,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 48 $ 5,730,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 46 $ 11,430,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 42 $ 10,470,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 36 $ 8,840,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 31 $ 5,635,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 30 $ 6,160,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ n/a 28 $ 5,690,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 26 $ 2,400,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 25 $ 5,825,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 25 $ 5,895,000
Blucurrent Credit Union
1770 W SUNSET
SPRINGFIELD, MO 65810
* $ n/a 24 $ 3,040,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 20 $ 3,220,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 19 $ 5,065,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ n/a 19 $ 5,495,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 19 $ 3,825,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 18 $ 4,950,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 17 $ 2,655,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 17 $ 4,945,000
Stockmens Bank

SPRINGFIELD, MO 65804
* $ n/a 17 $ 3,795,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 17 $ 1,085,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 16 $ 2,530,000
First Midwest Bank of Dexter
819 WEST BUSINESS HIGHWAY 60
DEXTER, MO 63841
* $ n/a 16 $ 5,190,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 14 $ 2,440,000
Guaranty Bank

ANKENY, IA 50023
* $ n/a 14 $ 3,730,000
Citizens Bank of Rogersville
1001 W. CENTER ST.
ROGERSVILLE, MO 65742
* $ n/a 14 $ 1,920,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 13 $ 535,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 13 $ 2,385,000
Homepride Bank
P.O. BOX 138
MANSFIELD, MO 65704
* $ n/a 13 $ 1,095,000
Omb Bank
3570 SOUTH NATIONAL AVENUE
SPRINGFIELD, MO 65807
* $ n/a 12 $ 2,720,000
Mid-Missouri Bank
3546 EAST SUNSHINE
SPRINGFIELD, MO 65804
* $ n/a 12 $ 2,560,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 11 $ 1,485,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 11 $ 1,085,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ n/a 10 $ 2,300,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 10 $ 2,510,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ n/a 9 $ 1,465,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 9 $ 1,245,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 9 $ 1,235,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 8 $ 2,030,000
Assemblies of God Credit Union
1535 N CAMPBELL AVE
SPRINGFIELD, MO 65803
* $ n/a 8 $ 1,590,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 8 $ 1,660,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 8 $ 1,370,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 8 $ 1,260,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 7 $ 1,405,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ n/a 7 $ 1,495,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 1,695,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 6 $ 450,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 6 $ 440,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 6 $ 1,790,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 5 $ 1,465,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ n/a 5 $ 265,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 5 $ 1,055,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,425,000
Legacy Bank & Trust
1500 N MAIN ST
MOUNTAIN GROVE, MO 65711
* $ n/a 5 $ 915,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 5 $ 645,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ n/a 5 $ 1,155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 5 $ 1,245,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 5 $ 1,725,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 5 $ 915,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 5 $ 1,145,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 915,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 5 $ 2,005,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 5 $ 695,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 4 $ 850,000
Infuze Credit Union
1300 U.S. RT. 66
WAYNESVILLE, MO 65583
* $ n/a 4 $ 300,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ n/a 4 $ 380,000
Telcomm Credit Union
2155 E SUNSHINE
SPRINGFIELD, MO 65804
* $ n/a 4 $ 400,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 4 $ 750,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 4 $ 1,090,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 215,000
O'bannon Banking Company
PO BOX 890
BUFFALO, MO 65622
* $ n/a 3 $ 335,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 3 $ 1,005,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 675,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 3 $ 1,285,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 3 $ 715,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 3 $ 885,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 3 $ 515,000
Resmac Inc

WEST COVINA, CA 91792
* $ n/a 3 $ 595,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 595,000
West Gate Bank
6003 OLD CHENEY ROAD
LINCOLN, NE 68516
* $ n/a 3 $ 515,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 3 $ 725,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 470,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 490,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 280,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 300,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 2 $ 290,000
Foundation Credit Union
1726 W ELFINDALE ST
SPRINGFIELD, MO 65807
* $ n/a 2 $ 1,000,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 1,150,000
Members Mortgage Services, LLC
200 E 1ST AVE
HUTCHINSON, KS 67501
* $ n/a 2 $ 320,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ n/a 2 $ 620,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 630,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ n/a 2 $ 370,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 510,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 2 $ 710,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 1 $ 75,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 265,000
Alameda Mortgage Corporation
1850 MT. DIABLO BLVD. SUITE 100
WALNUT CREEK, CA 94596
* $ n/a 1 $ 245,000
Ozark Bank
PO BOX 220
OZARK, MO 65721
* $ n/a 1 $ 155,000
The Maries County Bank
218 4TH STREET
VIENNA, MO 65582
* $ n/a 1 $ 125,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 105,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 225,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 45,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 255,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 105,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 265,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 195,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 195,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 85,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 75,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ n/a 1 $ 265,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 275,000
Sullivan Bank
PO BOX 489
SULLIVAN, MO 63080
* $ n/a 1 $ 425,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 1 $ 65,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 205,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 225,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ n/a 1 $ 155,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ n/a 1 $ 65,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 125,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 355,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 535,000
Fcs Financial Flca
1930 E MILLER ST
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 15,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 1 $ 395,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 1 $ 145,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ n/a 1 $ 195,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 365,000
F & C Bank
P.O. BOX 157
HOLDEN, MO 64040
* $ n/a 1 $ 335,000
Bank of 1889
PO 367
BERRYVILLE, AR 72616
* $ n/a 1 $ 105,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 65,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 425,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 875,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 235,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 345,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 345,000
Mortgage Solutions, LLC
19 RESEARCH PARK CT.
SAINT CHARLES, MO 63304
* $ n/a 1 $ 65,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 365,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ n/a 1 $ 155,000
First Federal Bank
611 EAST COLLEGE ST
DICKSON, TN 37055
* $ n/a 1 $ 325,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ n/a 1 $ 135,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 1 $ 285,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 165,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 185,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 185,000
Chambers Bank
901 MAIN STREET
DANVILLE, AR 72833
* $ n/a 1 $ 75,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 35,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 315,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 135,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 135,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 125,000
City National Bank of Florida
25 WEST FLAGLER STREET
MIAMI, FL 33131
* $ n/a 1 $ 335,000
Freedom Bank of Southern Missouri
P O BOX 309
CASSVILLE, MO 65625
* $ n/a 1 $ 175,000
America's Credit Union
2154 FOREST LN.
GARLAND, TX 75042
* $ n/a 1 $ 135,000
Mece Credit Union
2722 E MCCARTY
JEFFERSON CITY, MO 65102
* $ n/a 1 $ 165,000

The tables below break down 2024 mortgage applications in Webster 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 Webster County, MO in 2024

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 940 $205,290,000 $218,000 $945,000 $89,000 $679,000
Cash-out Refinancing 252 $51,480,000 $204,000 $805,000 $80,000 $270,000
Refinancing 214 $48,180,000 $225,000 $755,000 $92,000 $612,000
Other Purpose 168 $13,160,000 $78,000 $965,000 $95,000 $1,399,000
Home Improvement 114 $8,420,000 $73,000 $455,000 $94,000 $321,000
Not Applicable 0 $0 $0 $0 $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 1,230 $223,050,000 $181,000 $965,000 $89,000 $1,399,000
Not applicable 235 $59,425,000 $252,000 $875,000 $123,000 $229,000
Not Provided 145 $27,905,000 $192,000 $545,000 $88,000 $679,000
Hispanic 50 $9,990,000 $199,000 $535,000 $86,000 $263,000
American Indian or Alaskan Native 10 $2,010,000 $201,000 $445,000 $74,000 $111,000
Black or African American 10 $2,710,000 $271,000 $535,000 $101,000 $215,000
Asian 8 $1,440,000 $180,000 $305,000 $77,000 $126,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,104 $186,910,000 $169,000 $965,000 $94,000 $1,399,000
FHA-insured (Federal Housing Administration) 286 $60,900,000 $212,000 $495,000 $70,000 $205,000
VA-guaranteed (Veterans Administration) 210 $61,950,000 $295,000 $815,000 $92,000 $303,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 88 $16,770,000 $190,000 $375,000 $69,000 $125,000

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 895 $170,775,000 $190,000 $945,000 $93,000 $619,000
Application Denied By Financial Institution 266 $35,440,000 $133,000 $965,000 $79,000 $1,399,000
Loan Purchased By The Institution 224 $55,430,000 $247,000 $875,000 $89,000 $235,000
Application Withdrawn By Applicant 200 $44,900,000 $224,000 $815,000 $90,000 $679,000
File Closed For Incompleteness 64 $12,370,000 $193,000 $805,000 $74,000 $239,000
Application Approved But Not Accepted 38 $7,400,000 $194,000 $575,000 $77,000 $248,000
Preapproval Approved but not Accepted 1 $215,000 $215,000 $215,000 $104,000 $104,000
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 1,269 $264,215,000 $208,000 $885,000 $91,000 $679,000
Debt-To-Income Ratio 220 $36,300,000 $165,000 $945,000 $83,000 $273,000
Credit History 85 $10,315,000 $121,000 $455,000 $71,000 $135,000
Credit Application Incomplete 39 $5,005,000 $128,000 $405,000 $78,000 $275,000
Collateral 37 $4,685,000 $126,000 $965,000 $112,000 $1,399,000
Other 21 $3,635,000 $173,000 $495,000 $115,000 $250,000
Unverifiable Information 11 $1,415,000 $128,000 $255,000 $47,000 $89,000
Employment History 4 $560,000 $140,000 $305,000 $58,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 2 $400,000 $200,000 $215,000 $137,000 $224,000
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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