White County, TN Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 1,524 mortgage applications in White County, TN totaling $226.0 million, up 32% from 2019. The average application was for $148,000, and applicants reported an average income of $67,000. 51% of applications resulted in an originated loan and 18% were denied. The most active lender was US Bank, N.A., with 113 applications, followed by 21st Mortgage and Citizens 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 1,524
Total Mortgage Loan Application Amount $225,960,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $915,000
Average Applicant Income $67,000
Highest Applicant Income $1,346,000

Mortgage Company List for Lending in White County, TN for 2020

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 113 $ 11,765,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 86 $ 8,120,000
Citizens Bank
407 MAIN ST N
CARTHAGE, TN 37030
* $ 622,179,000 78 $ 9,450,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 75 $ 13,335,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 72 $ 11,180,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 48 $ 8,130,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 45 $ 5,665,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 44 $ 7,190,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ 2,780,296,000 41 $ 5,845,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 39 $ 6,425,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 35 $ 3,555,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 33 $ 3,365,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 27 $ 4,075,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 24 $ 7,580,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 21 $ 2,465,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 5,010,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 1,897,550,000 20 $ 1,490,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 19 $ 2,575,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 18 $ 2,720,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 18 $ 3,050,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 16 $ 1,300,000
Guaranty Mortgage Services, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 2,715,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 15 $ 2,385,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 15 $ 2,295,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ 927,615,000 14 $ 1,520,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 14 $ 2,710,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 14 $ 1,590,000
Origin Bank

HOUSTON, TX 77024
* $ 5,294,103,000 14 $ 2,140,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 13 $ 2,265,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 12 $ 1,830,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ 2,657,488,000 12 $ 1,610,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 1,865,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ 534,265,000 11 $ 1,595,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,825,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 10 $ 1,830,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 1,195,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 9 $ 1,065,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 1,250,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 8 $ 630,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 8 $ 1,100,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 8 $ 1,220,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 8 $ 1,600,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,315,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,015,000
Builtwell Bank
728 BROAD STREET
CHATTANOOGA, TN 37402
* $ 997,445,000 7 $ 1,065,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 7 $ 1,265,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 955,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ 2,449,029,000 6 $ 960,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 6 $ 1,000,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 6 $ 860,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 6 $ 1,020,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 1,980,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,210,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 6 $ 790,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 6 $ 790,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 27,665,771,000 6 $ 1,780,000
Capstar Bank
1201 DEMONBREUN ST #700
NASHVILLE, TN 37203
* $ 2,036,608,000 6 $ 980,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,020,000
A Mortgage Boutique, LLC
1574 MEDICAL CENTER PKWY SUITE 101
MURFREESBORO, TN 37129
* $ -1,000 6 $ 870,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 5 $ 545,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 5 $ 195,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 5 $ 735,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ -1,000 5 $ 855,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 5 $ 855,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 645,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 495,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 5 $ 625,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 660,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 980,000
Ornl Federal Credit Union
221 SOUTH RUTGERS AVENUE
OAK RIDGE, TN 37830
* $ 2,344,884,000 4 $ 740,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 4 $ 850,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 420,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 575,000
Iberiabank
285 WEST ESPLANADE AVENUE, 2ND FLOOR
KENNER, LA 70065
* $ 31,614,914,000 3 $ 395,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 3 $ 555,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 695,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 3 $ 485,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 675,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 585,000
CU Community, LLC
2077 TOWN CENTER BOULEVARD
KNOXVILLE, TN 37922
* $ -1,000 3 $ 495,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 745,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 3 $ 625,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 565,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 3 $ 545,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 475,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 3 $ 775,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,850,784,000 2 $ 440,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 120,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 390,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 540,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 3,598,362,000 2 $ 270,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 2 $ 230,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 280,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 360,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 320,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 2 $ 420,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 2 $ 440,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 300,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 1,060,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 2 $ 190,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 220,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 320,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 290,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 2 $ 320,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 135,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 385,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 75,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 205,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 195,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 115,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 105,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 5,236,417,000 1 $ 155,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 95,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ 12,887,120,000 1 $ 215,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 305,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 245,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 195,000
Mountain Valley Bank
17114 RANKIN AVE
DUNLAP, TN 37327
* $ 110,682,000 1 $ 55,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 205,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ 1,414,865,000 1 $ 385,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 5,300,331,000 1 $ 175,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 309,299,000 1 $ 95,000
Superior Choice Credit Union
1320 GRAND AVENUE
SUPERIOR, WI 54880
* $ 493,429,000 1 $ 55,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 95,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 1 $ 135,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 25,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 55,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 195,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 155,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 145,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 245,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 1 $ 75,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 65,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ 382,347,000 1 $ 165,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 95,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 135,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 217,610,000 1 $ 175,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 255,000
Southern Trust Mortgage, LLC
4433 CORPORATION LANE SUITE 300
VIRGINIA BEACH, VA 23462
* $ -1,000 1 $ 335,000
Wellworth Bank
400 HWY 52 BYPASS WEST
LAFAYETTE, TN 37083
* $ 941,411,000 1 $ 65,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ 1,285,083,000 1 $ 215,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 185,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 175,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 55,000
Jet Direct Funding Corp.
111 WEST MAIN STREET SUITE 110
BAY SHORE, NY 11706
* $ -1,000 1 $ 125,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ -1,000 1 $ 205,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 115,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 165,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ 495,586,000 1 $ 145,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,363,833,000 1 $ 155,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 1 $ 295,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 1 $ 235,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 125,000
Aspire Financial, Inc.
4100 ALPHA ROAD SUITE 400
DALLAS, TX 75244
* $ -1,000 1 $ 155,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 55,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 185,000

The tables below break down 2020 mortgage applications in White County, TN 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, TN in 2020

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 783 $120,075,000 $153,000 $785,000 $65,000 $1,346,000
Refinancing 442 $69,000,000 $156,000 $915,000 $65,000 $317,000
Cash-out Refinancing 177 $27,135,000 $153,000 $915,000 $71,000 $414,000
Home Improvement 61 $4,565,000 $74,000 $455,000 $79,000 $225,000
Other Purpose 52 $4,220,000 $81,000 $255,000 $71,000 $216,000
Not Applicable 9 $965,000 $107,000 $145,000 $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 1,211 $177,955,000 $146,000 $915,000 $67,000 $1,346,000
Not applicable 123 $19,235,000 $156,000 $435,000 $44,000 $89,000
Not Provided 120 $19,640,000 $163,000 $445,000 $66,000 $328,000
Hispanic 28 $3,850,000 $137,000 $575,000 $62,000 $141,000
Black or African American 26 $2,720,000 $104,000 $225,000 $83,000 $274,000
American Indian or Alaskan Native 10 $1,800,000 $180,000 $295,000 $83,000 $193,000
Asian 6 $760,000 $126,000 $175,000 $58,000 $131,000
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) 988 $138,950,000 $140,000 $915,000 $72,000 $1,346,000
VA-guaranteed (Veterans Administration) 217 $40,555,000 $186,000 $575,000 $62,000 $229,000
FHA-insured (Federal Housing Administration) 181 $25,495,000 $140,000 $295,000 $49,000 $152,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 138 $20,960,000 $151,000 $355,000 $47,000 $240,000

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 783 $122,285,000 $156,000 $915,000 $70,000 $1,346,000
Application Denied By Financial Institution 275 $32,425,000 $117,000 $365,000 $54,000 $178,000
Application Withdrawn By Applicant 198 $30,900,000 $156,000 $575,000 $72,000 $537,000
Loan Purchased By The Institution 137 $21,715,000 $158,000 $435,000 $53,000 $148,000
File Closed For Incompleteness 70 $9,680,000 $138,000 $515,000 $69,000 $280,000
Application Approved But Not Accepted 61 $8,955,000 $146,000 $445,000 $71,000 $197,000
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
Not applicable 1,175 $184,835,000 $157,000 $915,000 $70,000 $1,346,000
Debt-To-Income Ratio 149 $18,685,000 $125,000 $335,000 $57,000 $240,000
Credit History 119 $11,275,000 $94,000 $235,000 $52,000 $135,000
Credit Application Incomplete 29 $4,125,000 $142,000 $365,000 $67,000 $145,000
Collateral 20 $2,780,000 $139,000 $345,000 $67,000 $178,000
Other 15 $1,865,000 $124,000 $265,000 $69,000 $140,000
Unverifiable Information 7 $1,005,000 $143,000 $335,000 $77,000 $128,000
Employment History 5 $925,000 $185,000 $295,000 $54,000 $87,000
Insufficient Cash (Downpayment, Closing Cost) 5 $465,000 $93,000 $125,000 $52,000 $65,000
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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