White County, AR Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 3,264 mortgage applications in White County, AR totaling $383.3 million, up 9% from 2015. The average application was for $117,000, and applicants reported an average income of $61,000. 43% of applications resulted in an originated loan and 20% were denied. The most active lender was First Security Bank, with 334 applications, followed by Wells Fargo Bank NA and Regions Bank.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Arkansas.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 3,264
Total Mortgage Loan Application Amount $383,303,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $2,574,000
Average Applicant Income $61,000
Highest Applicant Income $3,435,000

Mortgage Company List for Lending in White County, AR for 2016

* 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 Security Bank
PO BOX 938
CONWAY, AR 72033
* $ 4,903,891,000 334 $ 40,003,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 304 $ 43,480,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 281 $ 27,946,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 7,515,756,000 227 $ 31,452,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 171 $ 11,105,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 149 $ 8,447,000
First Community Bank
1325 HARRISON STREET
BATESVILLE, AR 72501
* $ 1,046,238,000 142 $ 13,887,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 115 $ 15,463,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 92 $ 11,304,000
Centennial Bank
PO BOX 966
ARKANSAS, AR 72033
* $ 9,264,881,000 88 $ 10,919,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 73 $ 9,428,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 72 $ 9,274,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 1,330,996,000 62 $ 4,599,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 61 $ 8,998,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 54 $ 6,087,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 35 $ 5,558,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 34 $ 2,151,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 34 $ 3,626,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 29 $ 3,594,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 27 $ 2,932,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 26 $ 3,005,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 26 $ 3,923,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 26 $ 2,852,000
Iberiabank Mortgage Company
285 WEST ESPLANADE AVE, SECOND FLOOR
KENNER, LA 70065
* $ 19,425,339,000 25 $ 3,664,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 24 $ 3,539,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ 5,029,863,000 24 $ 3,936,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 23 $ 2,645,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 23 $ 2,088,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 23 $ 3,365,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 20 $ 3,166,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 19 $ 2,832,000
Eagle Bank and Trust Company
650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120
LITTLE ROCK, AR 72211
* $ 390,027,000 19 $ 3,234,000
Arvest Bank

TULSA, OK 74103
* $ 15,843,566,000 18 $ 1,282,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 17 $ 2,643,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 17 $ 267,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 17 $ 1,357,000
First Arkansas Bank and Trust
600 WEST MAIN STREET
JACKSONVILLE, AR 72076
* $ 710,764,000 17 $ 2,424,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 16 $ 2,226,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 16 $ 1,426,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 15 $ 168,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 14 $ 2,492,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 14 $ 1,999,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 13 $ 1,185,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 13 $ 1,457,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 12 $ 1,570,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 11 $ 1,371,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 11 $ 1,967,000
The Carroll Mortgage Group, Inc.
9101 NORTH RODNEY PARHAM ROAD., STE 1
LITTLE ROCK, AR 72205
* $ 10,000,000 11 $ 1,757,000
Arkansas Federal Credit Union
17500 CANTRELL
LITTLE ROCK, AR 72223
* $ 1,007,344,000 10 $ 1,839,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 19,425,339,000 10 $ 678,000
Telcoe Federal Credit Union
PO BOX 34200
LITTLE ROCK, AR 72201
* $ 345,242,000 9 $ 494,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 9 $ 89,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 9 $ 666,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ 10,000,000 9 $ 1,344,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 9 $ 1,913,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 8 $ 1,122,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 8 $ 986,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 8 $ 754,000
Bank of Little Rock Mortgage Corporation
15909 CANTRELL ROAD
LITTLE ROCK, AR 72223
* $ 205,378,000 8 $ 1,451,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 7 $ 828,000
Bank of the Ozarks
PO BOX 8811
LITTLE ROCK, AR 72231
* $ 9,870,373,000 7 $ 3,058,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 7 $ 980,000
United Built Homes, LLC
8500 LINE AVE
SHREVEPORT, LA 71106
* $ 59,713,000 6 $ 1,473,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 6 $ 598,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 5 $ 811,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 5 $ 559,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 4 $ 604,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 4 $ 268,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 4 $ 948,000
Bear State Bank
5315 HIGHLAND DRIVE
LITTLE ROCK, AR 72223
* $ 1,461,020,000 4 $ 654,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 4 $ 518,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 4 $ 442,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 4 $ 428,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 525,826,000 3 $ 252,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 988,439,000 3 $ 84,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 3 $ 972,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 3 $ 373,000
Corefirst Bank & Trust
3035 S TOPEKA BLVD
TOPEKA, KS 66611
* $ 891,158,000 3 $ 109,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 454,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 3 $ 444,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 3 $ 275,000
The Citizens Bank
200 S THIRD ST, PO BOX 2156
BATESVILLE, AR 72503
* $ 722,365,000 3 $ 202,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 2 $ 257,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ 216,152,000 2 $ 333,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 190,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 2 $ 421,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 2 $ 221,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 2 $ 256,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 240,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 324,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 2 $ 214,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 200,000
First Financial Bank
214 N WASHINGTON STREET
EL DORADO, AR 71730
* $ 866,511,000 2 $ 383,000
Star Bank
100 STATE HWY 55 EAST
MAPLE LAKE, MN 55358
* $ 252,239,000 2 $ 57,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 947,219,000 2 $ 152,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 2 $ 269,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 2 $ 482,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 2 $ 112,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ 690,917,000 2 $ 200,000
Red River Employees Federal Credit Union
4405 SUMMERHILL ROAD
TEXARKANA, TX 75503
* $ 735,030,000 1 $ 35,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 1 $ 227,000
Focus Bank
PO BOX 99
CHARLESTON, MO 63834
* $ 722,830,000 1 $ 280,000
Herring Bank
2201 CIVIC CIRCLE
AMARILLO, TX 79109
* $ 415,660,000 1 $ 184,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 13,790,125,000 1 $ 144,000
First Service Bank
PO BOX 190
GREENBRIER, AR 72058
* $ 264,095,000 1 $ 65,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,776,865,000 1 $ 46,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 384,114,000 1 $ 61,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 819,504,000 1 $ 150,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 907,851,000 1 $ 69,000
First Bank and Trust Co
PO BOX 580
DUNCAN, OK 73533
* $ 586,172,000 1 $ 199,000
First Financial Bank
400 PINE STREET
ABILENE, TX 79601
* $ 6,642,171,000 1 $ 163,000
Fay Servicing LLC

TAMPA, FL 33609
* $ 25,961,064,000 1 $ 53,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 103,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 179,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 90,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,949,868,000 1 $ 162,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 1,177,985,000 1 $ 136,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 78,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 1 $ 167,000
Diamond Bank
PO BOX 10
GLENWOOD, AR 71943
* $ 488,338,000 1 $ 61,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 1 $ 116,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 194,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 19,000
Colliers Mortgage LLC
90 SOUTH SEVENTH ST. SUITE 4300
MINNEAPOLIS, MN 55402
* $ 17,648,000 1 $ 617,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ 20,000,000 1 $ 326,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 1 $ 107,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 183,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 520,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 97,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 98,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 41,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 198,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 318,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 30,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 30,000
Centennial Bank
P.O. BOX 308
TREZEVANT, TN 38258
* $ 321,852,000 1 $ 29,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 214,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ 7,606,000 1 $ 61,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 136,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 65,000
The Farmers & Merchants Bank
708 S MAIN ST
STUTTGART, AR 72160
* $ 969,614,000 1 $ 80,000
Southern Bancorp Bank
601 MAIN STREET
ARKADELPHIA, AR 71923
* $ 1,185,130,000 1 $ 84,000

The tables below break down 2016 mortgage applications in White County, AR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for White County, AR in 2016

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 1,858 $214,133,000 $115,000 $650,000 $58,000 $3,435,000
Refinancing 1,132 $156,867,000 $138,000 $2,574,000 $64,000 $826,000
Home Improvement 274 $12,303,000 $44,000 $981,000 $69,000 $1,255,000

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 2,526 $292,445,000 $115,000 $981,000 $70,000 $3,435,000
Not applicable 400 $53,979,000 $134,000 $2,574,000 $5,000 $160,000
Not Provided 154 $16,666,000 $108,000 $364,000 $67,000 $492,000
Black or African American 83 $9,060,000 $109,000 $245,000 $48,000 $250,000
Hispanic 62 $6,994,000 $112,000 $349,000 $65,000 $826,000
American Indian or Alaskan Native 28 $2,254,000 $80,000 $187,000 $55,000 $106,000
Asian 9 $1,746,000 $194,000 $403,000 $48,000 $138,000
Native Hawaiin or Other Pacific Islander 2 $159,000 $79,000 $82,000 $31,000 $33,000

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) 1,950 $215,023,000 $110,000 $2,574,000 $74,000 $3,435,000
FHA-insured (Federal Housing Administration) 580 $71,058,000 $122,000 $276,000 $48,000 $267,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 373 $41,288,000 $110,000 $303,000 $29,000 $94,000
VA-guaranteed (Veterans Administration) 361 $55,934,000 $154,000 $403,000 $48,000 $228,000

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 1,408 $177,795,000 $126,000 $2,574,000 $73,000 $3,435,000
Loan Purchased By The Institution 674 $90,664,000 $134,000 $520,000 $42,000 $419,000
Application Denied By Financial Institution 664 $59,380,000 $89,000 $455,000 $57,000 $1,632,000
Application Withdrawn By Applicant 225 $26,695,000 $118,000 $633,000 $65,000 $260,000
File Closed For Incompleteness 191 $17,263,000 $90,000 $758,000 $52,000 $450,000
Application Approved But Not Accepted 102 $11,506,000 $112,000 $259,000 $63,000 $741,000
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
Credit History 79 $6,952,000 $88,000 $439,000 $89,000 $1,632,000
Debt-To-Income Ratio 43 $3,858,000 $89,000 $299,000 $51,000 $180,000
Collateral 26 $2,464,000 $94,000 $455,000 $62,000 $171,000
Credit Application Incomplete 21 $2,930,000 $139,000 $289,000 $56,000 $144,000
Other 18 $1,535,000 $85,000 $242,000 $91,000 $600,000
Unverifiable Information 4 $719,000 $179,000 $281,000 $124,000 $208,000
Employment History 4 $527,000 $131,000 $250,000 $65,000 $131,000
Insufficient Cash (Downpayment, Closing Cost) 2 $78,000 $39,000 $55,000 $53,000 $81,000
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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