Wharton County, TX Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,156 mortgage applications in Wharton County, TX totaling $112.8 million, down 26% from 2007. The average application was for $97,000, and applicants reported an average income of $72,000. 38% of applications resulted in an originated loan and 27% were denied. The most active lender was JPMorgan Chase Bank, NA, with 87 applications, followed by Citifinancial Inc and Prosperity 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 | 1,156 |
| Total Mortgage Loan Application Amount | $112,799,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $594,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $780,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 87 | $ 8,514,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 85 | $ 3,954,000 |
| Prosperity Bank 1301 N MECHANIC EL CAMPO, TX 77437 |
* | $ 6,357,701,000 | 82 | $ 4,787,000 |
| The First State Bank P O BOX 5 LOUISE, TX 77455 |
* | $ 180,372,000 | 78 | $ 10,141,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 78 | $ 8,632,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 71 | $ 2,919,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 60 | $ 4,593,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 53 | $ 6,374,000 |
| Commercial State Bank 10203 BIRCHRIDGE DR HUMBLE, TX 77338 |
* | $ 147,283,000 | 49 | $ 3,493,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 30 | $ 4,375,000 |
| Newfirst National Bank 202 E. JACKSON ST. EL CAMPO, TX 77437 |
* | $ 307,796,000 | 29 | $ 1,832,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 29 | $ 4,420,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 25 | $ 3,111,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 23 | $ 2,475,000 |
| Amegy Mortgage Company, L.L.C 4576 RESEARCH FOREST BLVD THE WOODLANDS, TX 77381 |
* | $ 31,000,000 | 21 | $ 2,963,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 20 | $ 2,062,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 19 | $ 2,628,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ 10,000,000 | 15 | $ 1,915,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 15 | $ 1,503,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 2,412,000 |
| Network Funding, L.P. 9700 RICHMOND, SUITE 320 HOUSTON, TX 77042 |
* | $ 43,942,000 | 12 | $ 1,419,000 |
| Amegy Bank of Texas, NA 4400 POST OAK PKY, 6TH FL HOUSTON, TX 77027 |
* | $ 11,836,086,000 | 12 | $ 394,000 |
| Wells Fargo Fin'l Texas, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 11 | $ 550,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 10 | $ 1,277,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 43,810,702,000 | 10 | $ 1,592,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 10 | $ 1,268,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 9 | $ 1,129,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 8 | $ 660,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 8 | $ 1,189,000 |
| Tdecu 2000 POST OAK BLVD. STE. 2100 HOUSTON, TX 77056 |
* | $ 1,222,897,000 | 8 | $ 698,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 7 | $ 1,310,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 7 | $ 717,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 6 | $ 496,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 6 | $ 577,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 6 | $ 471,000 |
| Vista Bank Texas 1415 LOUISIANA ST HOUSTON, TX 77002 |
* | $ 194,459,000 | 5 | $ 866,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 5 | $ 350,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 5 | $ 703,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 468,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 565,000 |
| Encore Bank, NA NINE GREENWAY PLAZA, SUITE 1000 HOUSTON, TX 77046 |
* | $ 1,399,426,000 | 4 | $ 104,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 4 | $ 449,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 3 | $ 63,000 |
| H-E-B Federal Credit Union 4630 N LOOP 1604 W, SUITE 101 SAN ANTONIO, TX 78278 |
* | $ 113,254,000 | 3 | $ 107,000 |
| Guaranty Bank 8333 DOUGLAS AVENUE DALLAS, TX 75225 |
* | $ 16,674,004,000 | 3 | $ 293,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 3 | $ 259,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 3 | $ 322,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 949,331,000 | 3 | $ 748,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 3 | $ 436,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 230,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 165,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 2 | $ 193,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 2 | $ 296,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 2 | $ 251,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 2 | $ 210,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 104,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 170,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 2 | $ 31,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 253,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 2 | $ 232,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 257,000 |
| The First National Bank of Bellville PO BOX 128 BELLVILLE, TX 77418 |
* | $ 168,919,000 | 2 | $ 200,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 2 | $ 510,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 653,269,000,000 | 2 | $ 110,000 |
| Houston Community Bank, N.A. 11390 VETERANS MEMORIAL DRIVE HOUSTON, TX 77067 |
* | $ 207,044,000 | 2 | $ 263,000 |
| Share Plus Federal Bank 5224 W. PLANO PKWY PLANO, TX 75093 |
* | $ 167,298,000 | 1 | $ 10,000 |
| American Bank, N.A. P O BOX 6469 CORPUS CHRISTI, TX 78466 |
* | $ 862,439,000 | 1 | $ 25,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 2,489,439,000 | 1 | $ 10,000 |
| First National Bank in Port Lavaca PO DRAWER 7 PORT LAVACA, TX 77979 |
* | $ 166,107,000 | 1 | $ 110,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 64,000 |
| Faa Federal Credit Union 3920 WHITEBROOK DR. MEMPHIS, TN 38118 |
* | $ 83,597,000 | 1 | $ 86,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 1 | $ 96,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 1 | $ 118,000 |
| Firstmark Credit Union 2023 GOLD CANYON DR. SAN ANTONIO, TX 78232 |
* | $ 627,779,000 | 1 | $ 138,000 |
| Credit Union of Texas 8131 LBJ FREEWAY, SUITE 500 ALLEN, TX 75013 |
* | $ 1,187,800,000 | 1 | $ 21,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 1 | $ 130,000 |
| Banco Popular National Assoc PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 90,405,000 | 1 | $ 40,000 |
| Icon Bank of Texas, National Association 7906 N. SAM HOUSTON PKWY WEST HOUSTON, TX 77064 |
* | $ 58,773,000 | 1 | $ 166,000 |
| Comerica Bank 500 WOODWARD AVE - MC 3352 DETROIT, MI 48226 |
* | $ 62,539,056,000 | 1 | $ 150,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 1 | $ 72,000 |
| International Bank of Commerce 1200 SAN BERNARDO AVE. LAREDO, TX 78040 |
* | $ 9,438,986,000 | 1 | $ 107,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 15,000 |
| Truity Federal Credit Union 501 S JOHNSTONE BARTLESVILLE, OK 74003 |
* | $ 427,297,000 | 1 | $ 36,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 311,937,000 | 1 | $ 198,000 |
| Frost National Bank 100 W. HOUSTON T-5 SAN ANTONIO, TX 78205 |
* | $ 13,632,996,000 | 1 | $ 7,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 1 | $ 54,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 94,000 |
| Lending.Com 12700 PARK CENTRAL 21ST FLOOR DALLAS, TX 75251 |
* | $ 9,585,000 | 1 | $ 160,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 151,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 57,000 |
| Hometrust Mortgage Company 5353 W. ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 1 | $ 333,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Earth Mortgage 2245 KELLER WAY CARROLLTON, TX 75006 |
* | $ 10,000,000 | 1 | $ 271,000 |
| Certified Funding, L.P. 17304 PRESTON RD STE 620 DALLAS, TX 75252 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Sutherland Mortgage Services 5959 CORPORATE DR, SUITE 3000 HOUSTON, TX 77036 |
* | $ 37,000,000 | 1 | $ 90,000 |
| First Continental Mortgage, Ltd. 11011 RICHMOND AVENUE, SUITE 800 HOUSTON, TX 77072 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 87,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 132,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 297,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 108,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 1 | $ 30,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 229,000 |
| Southwest Stage Funding LLC 6816 EAST BROWN ROAD MESA, AZ 85207 |
* | $ 5,889,539,000 | 1 | $ 198,000 |
| Morgan Stanley Credit Corp 75 N. FAIRWAY DRIVE VERNON HILLS, IL 60061 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Megastar Financial 1080 CHEROKEE ST DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Interlinc Mtg Inc 19221 I 45 SOUTH SUITE 210 CONROE, TX 77385 |
* | $ 850,000 | 1 | $ 70,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 127,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 187,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 70,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 159,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 69,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 132,000 |
| First Franklin Financial Corp 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 139,000 |
| HSBC Credit Center Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,104,000 | 1 | $ 126,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 140,000 |
The tables below break down 2008 mortgage applications in Wharton County, TX by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Wharton County, TX in 2008
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 | 507 | $53,566,000 | $105,000 | $530,000 | $74,000 | $780,000 |
| Home Purchase | 451 | $51,226,000 | $113,000 | $594,000 | $73,000 | $427,000 |
| Home Improvement | 198 | $8,007,000 | $40,000 | $364,000 | $69,000 | $505,000 |
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 | 589 | $62,609,000 | $106,000 | $594,000 | $87,000 | $522,000 |
| Hispanic | 234 | $18,693,000 | $79,000 | $347,000 | $62,000 | $346,000 |
| Not Provided | 133 | $15,245,000 | $114,000 | $465,000 | $81,000 | $780,000 |
| Not applicable | 112 | $9,807,000 | $87,000 | $264,000 | $16,000 | $186,000 |
| Black or African American | 81 | $5,695,000 | $70,000 | $417,000 | $58,000 | $330,000 |
| American Indian or Alaskan Native | 4 | $399,000 | $99,000 | $153,000 | $126,000 | $265,000 |
| Asian | 2 | $311,000 | $155,000 | $202,000 | $95,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $61,000 | $61,000 |
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) | 954 | $88,641,000 | $92,000 | $594,000 | $75,000 | $780,000 |
| FHA-insured (Federal Housing Administration) | 158 | $18,202,000 | $115,000 | $271,000 | $63,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,041,000 | $104,000 | $165,000 | $29,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,915,000 | $194,000 | $426,000 | $60,000 | $120,000 |
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 | 438 | $47,647,000 | $108,000 | $594,000 | $88,000 | $522,000 |
| Application Denied By Financial Institution | 308 | $23,650,000 | $76,000 | $404,000 | $60,000 | $330,000 |
| Loan Purchased By The Institution | 211 | $22,039,000 | $104,000 | $417,000 | $38,000 | $186,000 |
| Application Withdrawn By Applicant | 100 | $10,848,000 | $108,000 | $426,000 | $97,000 | $478,000 |
| Application Approved But Not Accepted | 70 | $5,582,000 | $79,000 | $360,000 | $77,000 | $427,000 |
| File Closed For Incompleteness | 28 | $2,948,000 | $105,000 | $225,000 | $113,000 | $780,000 |
| Preapproval Denied by Financial Institution | 1 | $85,000 | $85,000 | $85,000 | $150,000 | $150,000 |
| Preapproval Approved but not Accepted | 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 | 87 | $3,700,000 | $42,000 | $165,000 | $61,000 | $330,000 |
| Debt-To-Income Ratio | 32 | $2,439,000 | $76,000 | $190,000 | $49,000 | $121,000 |
| Collateral | 31 | $4,246,000 | $136,000 | $404,000 | $76,000 | $175,000 |
| Other | 18 | $1,448,000 | $80,000 | $138,000 | $65,000 | $136,000 |
| Credit Application Incomplete | 12 | $1,242,000 | $103,000 | $210,000 | $58,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $352,000 | $88,000 | $187,000 | $52,000 | $90,000 |
| Unverifiable Information | 3 | $359,000 | $119,000 | $252,000 | $46,000 | $53,000 |
| Mortgage Insurance Denied | 1 | $148,000 | $148,000 | $148,000 | $58,000 | $58,000 |
| Employment History | 1 | $333,000 | $333,000 | $333,000 | $149,000 | $149,000 |
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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