Wharton County, TX Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,114 mortgage applications in Wharton County, TX totaling $134.5 million, up 5% from 2012. The average application was for $120,000, and applicants reported an average income of $82,000. 47% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank NA, with 112 applications, followed by Prosperity Bank and Capital One, National Association.

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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 1,114
Total Mortgage Loan Application Amount $134,542,000
Average Mortgage Loan Application Amount $120,000
Highest Mortgage Loan Application Amount $3,547,000
Average Applicant Income $82,000
Highest Applicant Income $1,622,000

Mortgage Company List for Lending in Wharton County, TX for 2013

* 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

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 112 $ 13,838,000
Prosperity Bank
1301 N MECHANIC ST
EL CAMPO, TX 77437
* $ 14,590,421,000 80 $ 8,584,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 72 $ 5,143,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 62 $ 6,868,000
The First State Bank
P O BOX 5
LOUISE, TX 77455
* $ 319,279,000 60 $ 7,831,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 57 $ 7,016,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 34 $ 2,062,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 30 $ 1,731,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 26 $ 3,667,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 21 $ 2,342,000
Commercial State Bank
10203 BIRCHRIDGE DR
HUMBLE, TX 77338
* $ 209,468,000 21 $ 1,343,000
Amegy Mortgage Company, L.L.C.
4576 RESEARCH FOREST DRIVE
THE WOODLANDS, TX 77381
* $ 31,000,000 19 $ 4,055,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 18 $ 1,958,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 18 $ 2,548,000
Amegy Bank of Texas, NA
4400 POST OAK PKWY, 6TH FLOOR
HOUSTON, TX 77027
* $ 13,040,763,000 18 $ 834,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 15 $ 1,441,000
Tdecu
2000 POST OAK BLVD. STE. 2100
HOUSTON, TX 77056
* $ 1,984,102,000 15 $ 1,345,000
Patriot Bank Mortgage
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 511,822,000 14 $ 2,329,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 14 $ 1,661,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 14 $ 1,732,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 13 $ 1,655,000
Newfirst National Bank
202 E. JACKSON ST.
EL CAMPO, TX 77437
* $ 505,882,000 13 $ 829,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 11 $ 1,306,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 11 $ 1,163,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 10 $ 1,538,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 10 $ 1,464,000
Txl Mortgage Corporation
11931 WICKCHESTER LN STE 444
HOUSTON, TX 77043
* $ 100,000,000 10 $ 2,298,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 10 $ 927,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,322,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ 1,500,000,000 8 $ 993,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 643,000
Susser Bank
500 HARWOOD ROAD
BEDFORD, TX 76021
* $ 334,303,000 6 $ 802,000
Aspire Financial Inc
4100 ALPHA RD #112
DALLAS, TX 75244
* $ 10,000,000 6 $ 697,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 764,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 6 $ 956,000
Brazos Valley Schools Credit U
25425 KINGSLAND BLVD
KATY, TX 77494
* $ 592,981,000 6 $ 698,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 6 $ 1,082,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 5 $ 662,000
International Bank of Commerce
1200 SAN BERNARDO AVE.
LAREDO, TX 78040
* $ 9,836,378,000 5 $ 183,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 953,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 5 $ 419,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 409,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 5 $ 462,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 5 $ 698,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 5 $ 744,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 756,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 4 $ 405,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 4 $ 543,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 4 $ 641,000
Wallick and Volk, Inc.
222 E. 18TH ST.
CHEYENNE, WY 82001
* $ 10,000,000 4 $ 461,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 3 $ 430,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 3 $ 273,000
BBVA USA
15 SOUTH 20TH ST
BIRMINGHAM, AL 35233
* $ 69,076,722,000 3 $ 813,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 3 $ 181,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 784,781,000 3 $ 418,000
Communitybank of Texas, N.A.
9 GREENWAY PLAZA, SUITE 110
HOUSTON, TX 77046
* $ 1,712,391,000 3 $ 307,000
Cadence Bank, N.A.
2100 3RD AVE N
BIRMINGHAM, AL 35203
* $ 5,707,401,000 3 $ 129,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 3 $ 434,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 3 $ 391,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 3 $ 273,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 3 $ 606,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 3 $ 715,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 3 $ 236,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 2 $ 280,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 235,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 176,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 293,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 2 $ 223,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 312,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ 10,000,000 2 $ 676,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 2 $ 426,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 2 $ 587,000
Member Home Loan LLC
9601 JONES RD SUITE 108
HOUSTON, TX 77065
* $ 589,064,000 2 $ 152,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 484,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 405,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 198,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 202,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 309,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 2 $ 222,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 190,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 2 $ 250,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 306,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 311,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 316,000
Randolph-Brooks Federal Credit Union
PO BOX 2097
UNIVERSAL CITY, TX 78148
* $ 5,326,408,000 2 $ 254,000
H-E-B Federal Credit Union
4630 N LOOP 1604 W, SUITE 101
SAN ANTONIO, TX 78278
* $ 139,694,000 2 $ 101,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,701,612,000 2 $ 137,000
American First National Bank
9999 BELLAIRE BLVD.
HOUSTON, TX 77036
* $ 887,983,000 2 $ 184,000
First Community Credit Union
15260 FM 529
HOUSTON, TX 77095
* $ 914,355,000 2 $ 300,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 627,435,000 2 $ 309,000
Imortgage.Com, Inc.
4800 N. SCOTTSDALE ROAD, SUITE 3800
SCOTTSDALE, AZ 85251
* $ 10,000,000 2 $ 292,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 286,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 346,000
Rmc Vanguard
7670 WOODWAY, SUITE 162
HOUSTON, TX 77063
* $ 20,000,000 2 $ 591,000
Certified Funding, L.P.
17304 PRESTON RD STE 620
DALLAS, TX 75252
* $ 10,000,000 2 $ 39,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 2 $ 434,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 86,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 1 $ 49,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 167,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 108,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 137,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 1 $ 214,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 94,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 124,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 157,000
Houstonian Mortgage Group Inc
11490 WESTHEIMER #825
HOUSTON, TX 77077
* $ 17,008,000 1 $ 184,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 190,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 467,666,000 1 $ 193,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,595,673,000 1 $ 29,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 1 $ 20,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 22,017,122,000 1 $ 7,000
Synergy Federal Credit Union
1 VALERO WAY
SAN ANTONIO, TX 78249
* $ 168,351,000 1 $ 25,000
Citizens Bank and Trust Co
PO BOX 992
VIVIAN, LA 71082
* $ 144,521,000 1 $ 163,000
Wallis State Bank
2929 W. SAM HOUSTON PKWY N., SUITE 300
HOUSTON, TX 77043
* $ 368,273,000 1 $ 242,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,376,094,000 1 $ 221,000
Firstmark Credit Union
2023 GOLD CANYON DR.
SAN ANTONIO, TX 78232
* $ 760,170,000 1 $ 12,000
Houston Community Bank, N.A.
11390 VETERANS MEMORIAL DRIVE
HOUSTON, TX 77067
* $ 293,185,000 1 $ 260,000
Plains State Bank
19404 KENSWICK DRIVE
HUMBLE, TX 77338
* $ 232,711,000 1 $ 750,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 1 $ 65,000
Houston Federal Credit Union
16320 KENSINGTON
SUGAR LAND, TX 77479
* $ 467,770,000 1 $ 5,000
Chocolate Bayou Community FCU
P O BOX 1694
ALVIN, TX 77511
* $ 94,449,000 1 $ 33,000
Nixon State Bank
200 N NIXON AVE
NIXON, TX 78140
* $ 89,339,000 1 $ 50,000
Security Service
15000 W INTERSTATE 10 BLDG 4
SAN ANTONIO, TX 78249
* $ 6,897,235,000 1 $ 88,000
Greater Texas Federal Credit Union
6411 N LAMAR BLVD
AUSTIN, TX 78752
* $ 502,875,000 1 $ 159,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 268,686,000 1 $ 164,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 4,472,275,000 1 $ 171,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 2,518,046,000 1 $ 78,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 160,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 110,000
Ameripro Funding
8300 N. MOPAC EXPRESSWAY SUITE 120
AUSTIN, TX 78759
* $ 40,000,000 1 $ 167,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 118,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 1 $ 190,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 75,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 180,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 342,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 270,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 180,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 1 $ 208,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 1 $ 128,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 1 $ 210,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 1 $ 99,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 213,000
Wr Starkey Mortgage LLP
6101 WEST PLANO PARKWAY
PLANO, TX 75093
* $ 10,000,000 1 $ 88,000
Associated Mortgage Bankers Inc.
2395 OCEAN AVENUE SUITE 5 RONKONKOMA
RONKONKOMA, NY 11779
* $ 35,004,000 1 $ 41,000
Berkadia Commercial Mortgage
323 NORRISTOWN ROAD SUITE 300
AMBLER, PA 19002
* $ 1,173,139,000 1 $ 3,547,000
Strategic Lending Group Inc
201 E MAIN SUITE 510
EL PASO, TX 79901
* $ 1,220,291,000 1 $ 220,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 89,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ 917,364,000 1 $ 199,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 50,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 78,000

The tables below break down 2013 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 2013

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 527 $68,887,000 $130,000 $3,547,000 $79,000 $591,000
Home Purchase 487 $59,596,000 $122,000 $750,000 $87,000 $1,622,000
Home Improvement 100 $6,059,000 $60,000 $220,000 $72,000 $258,000

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 720 $91,948,000 $127,000 $480,000 $90,000 $987,000
Hispanic 182 $15,617,000 $85,000 $276,000 $62,000 $392,000
Not Provided 75 $8,845,000 $117,000 $525,000 $82,000 $411,000
Black or African American 65 $4,787,000 $73,000 $158,000 $50,000 $129,000
Not applicable 65 $11,798,000 $181,000 $3,547,000 $18,000 $140,000
Asian 5 $1,366,000 $273,000 $750,000 $892,000 $1,622,000
American Indian or Alaskan Native 2 $181,000 $90,000 $153,000 $22,000 $45,000
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) 877 $101,611,000 $115,000 $750,000 $92,000 $1,622,000
FHA-insured (Federal Housing Administration) 162 $22,396,000 $138,000 $3,547,000 $42,000 $193,000
VA-guaranteed (Veterans Administration) 43 $7,190,000 $167,000 $287,000 $59,000 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $3,345,000 $104,000 $206,000 $43,000 $108,000

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 520 $65,110,000 $125,000 $750,000 $97,000 $1,622,000
Application Denied By Financial Institution 272 $26,667,000 $98,000 $525,000 $68,000 $441,000
Loan Purchased By The Institution 138 $18,418,000 $133,000 $417,000 $52,000 $286,000
Application Withdrawn By Applicant 69 $12,226,000 $177,000 $3,547,000 $89,000 $987,000
Application Approved But Not Accepted 68 $6,832,000 $100,000 $417,000 $87,000 $252,000
File Closed For Incompleteness 42 $4,851,000 $115,000 $199,000 $65,000 $200,000
Preapproval Approved but not Accepted 4 $341,000 $85,000 $107,000 $41,000 $50,000
Preapproval Denied by Financial Institution 1 $97,000 $97,000 $97,000 $37,000 $37,000

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 72 $5,617,000 $78,000 $260,000 $62,000 $149,000
Debt-To-Income Ratio 37 $3,841,000 $103,000 $285,000 $47,000 $102,000
Collateral 36 $4,525,000 $125,000 $369,000 $101,000 $441,000
Other 13 $1,385,000 $106,000 $253,000 $62,000 $169,000
Credit Application Incomplete 10 $1,498,000 $149,000 $525,000 $101,000 $250,000
Insufficient Cash (Downpayment, Closing Cost) 5 $694,000 $138,000 $247,000 $64,000 $143,000
Unverifiable Information 2 $86,000 $43,000 $53,000 $57,000 $80,000
Employment History 1 $200,000 $200,000 $200,000 $143,000 $143,000
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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