White County, TN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,151 mortgage applications in White County, TN totaling $223.9 million, up 6% from 2023. The average application was for $194,000, and applicants reported an average income of $87,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was 21st Mortgage, with 70 applications, followed by US Bank, N.A. and Citizens Bank.

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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 1,151
Total Mortgage Loan Application Amount $223,905,000
Average Mortgage Loan Application Amount $194,000
Highest Mortgage Loan Application Amount $2,405,000
Average Applicant Income $87,000
Highest Applicant Income $1,862,000

Mortgage Company List for Lending in White County, TN 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
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 70 $ 8,880,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 58 $ 7,100,000
Citizens Bank
407 MAIN ST N
CARTHAGE, TN 37030
* $ n/a 56 $ 7,170,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 56 $ 13,570,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 53 $ 14,575,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 48 $ 13,490,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 39 $ 7,825,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 36 $ 4,610,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 33 $ 7,765,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 31 $ 9,345,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 28 $ 6,790,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 26 $ 3,840,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 25 $ 5,605,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 18 $ 3,830,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 18 $ 3,600,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 18 $ 2,220,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ n/a 16 $ 1,760,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 15 $ 3,015,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 15 $ 4,785,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 14 $ 2,890,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 13 $ 2,505,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 13 $ 2,625,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 13 $ 2,525,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 12 $ 3,420,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ n/a 11 $ 1,325,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ n/a 10 $ 1,820,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 520,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 9 $ 965,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 9 $ 755,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ n/a 9 $ 1,755,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 8 $ 1,530,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 8 $ 1,370,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 8 $ 1,260,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 8 $ 710,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 7 $ 1,055,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ n/a 7 $ 1,485,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 1,855,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 7 $ 2,415,000
CU Community, LLC
2077 TOWN CENTER BOULEVARD
KNOXVILLE, TN 37922
* $ n/a 7 $ 785,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 6 $ 1,120,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,280,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ n/a 6 $ 1,030,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 5 $ 1,245,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 515,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 5 $ 1,025,000
Wellworth Bank
400 HWY 52 BYPASS WEST
LAFAYETTE, TN 37083
* $ n/a 5 $ 1,285,000
Guaranty Mortgage Services, LLC

FORT WASHINGTON, PA 19034
* $ n/a 5 $ 985,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 685,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 5 $ 995,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 5 $ 625,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 765,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 4 $ 670,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 760,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 3 $ 1,415,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 3 $ 625,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 3 $ 915,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 695,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 935,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 3 $ 785,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 3 $ 305,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 825,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ n/a 3 $ 225,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 3 $ 515,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 775,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 2 $ 410,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 2 $ 450,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ n/a 2 $ 70,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 470,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 330,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 2 $ 450,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 940,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 2 $ 240,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 310,000
City & County Credit Union
144 11TH ST. E
SAINT PAUL, MN 55101
* $ n/a 2 $ 130,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 2 $ 520,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 2 $ 520,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 710,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 2 $ 360,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 2 $ 190,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 2 $ 290,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ n/a 2 $ 90,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 2 $ 120,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 720,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 600,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 510,000
First Commerce Bank
500 N ELLINGTON PKWY
LEWISBURG, TN 37091
* $ n/a 2 $ 360,000
Homeland Community Bank
900 N CHANCERY ST
MCMINNVILLE, TN 37110
* $ n/a 2 $ 170,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 160,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ n/a 2 $ 350,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 300,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 310,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 680,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ n/a 2 $ 650,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 480,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 2 $ 520,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 375,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 665,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 115,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 235,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ n/a 1 $ 455,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 1 $ 305,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 1 $ 15,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 195,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 405,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 225,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 1 $ 105,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 325,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 255,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 105,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 65,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 245,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 115,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ n/a 1 $ 35,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 105,000
Home Mortgage Alliance Corp (Hmac)
4 HUTTON CENTER DR. SUITE 500
SANTA ANA, CA 92707
* $ n/a 1 $ 265,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 65,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 145,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 285,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 55,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ n/a 1 $ 175,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 85,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ n/a 1 $ 185,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 1 $ 245,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 185,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 345,000
Tennessee Valley Federal C U
535 CHESTNUT STREET
CHATTANOOGA, TN 37402
* $ n/a 1 $ 25,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 205,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 175,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 85,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 55,000
Ten Credit Union
1400 8TH AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 95,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 305,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 255,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ n/a 1 $ 325,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 145,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ n/a 1 $ 85,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 85,000
Scott Credit Union
101 CREDIT UNION WAY
EDWARDSVILLE, IL 62025
* $ n/a 1 $ 155,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 1 $ 175,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 185,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 1 $ 335,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 285,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 235,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ n/a 1 $ 755,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ n/a 1 $ 275,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ n/a 1 $ 295,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 55,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 225,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 85,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 35,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 305,000
Southeast Bank
192 N SEVEN OAKS DR
FARRAGUT, TN 37934
* $ n/a 1 $ 25,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 1 $ 185,000
Bank of Cleveland
75 BOBBY TAYLOR AVE
CLEVELAND, TN 37311
* $ n/a 1 $ 295,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ n/a 1 $ 205,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 1 $ 115,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 315,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 45,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 265,000

The tables below break down 2024 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 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 632 $141,420,000 $223,000 $935,000 $94,000 $1,862,000
Cash-out Refinancing 196 $35,920,000 $183,000 $525,000 $74,000 $776,000
Refinancing 125 $29,715,000 $237,000 $2,405,000 $91,000 $1,227,000
Other Purpose 117 $9,785,000 $83,000 $305,000 $73,000 $674,000
Home Improvement 81 $7,065,000 $87,000 $955,000 $85,000 $220,000
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 824 $154,420,000 $187,000 $2,405,000 $84,000 $1,862,000
Not Provided 126 $29,080,000 $230,000 $815,000 $108,000 $577,000
Not applicable 117 $24,715,000 $211,000 $665,000 $28,000 $28,000
Hispanic 45 $8,335,000 $185,000 $305,000 $101,000 $776,000
Black or African American 16 $2,600,000 $162,000 $325,000 $72,000 $113,000
American Indian or Alaskan Native 12 $2,150,000 $179,000 $415,000 $68,000 $132,000
Asian 10 $2,460,000 $246,000 $445,000 $117,000 $310,000
Native Hawaiian or Other Pacific Islander 1 $145,000 $145,000 $145,000 $56,000 $56,000

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) 725 $117,715,000 $162,000 $2,405,000 $92,000 $1,862,000
FHA-insured (Federal Housing Administration) 233 $53,185,000 $228,000 $485,000 $72,000 $231,000
VA-guaranteed (Veterans Administration) 141 $42,745,000 $303,000 $905,000 $91,000 $346,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $10,260,000 $197,000 $335,000 $73,000 $109,000

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 579 $123,625,000 $213,000 $2,405,000 $93,000 $1,227,000
Application Denied By Financial Institution 215 $31,765,000 $147,000 $955,000 $68,000 $218,000
Application Withdrawn By Applicant 147 $29,205,000 $198,000 $755,000 $79,000 $364,000
Loan Purchased By The Institution 109 $22,805,000 $209,000 $665,000 $100,000 $145,000
File Closed For Incompleteness 69 $10,715,000 $155,000 $635,000 $106,000 $1,862,000
Application Approved But Not Accepted 30 $5,480,000 $182,000 $485,000 $108,000 $674,000
Preapproval Approved but not Accepted 1 $105,000 $105,000 $105,000 $102,000 $102,000
Preapproval Denied by Financial Institution 1 $205,000 $205,000 $205,000 $97,000 $97,000

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
Not applicable 884 $184,900,000 $209,000 $2,405,000 $93,000 $1,862,000
Debt-To-Income Ratio 113 $16,975,000 $150,000 $955,000 $65,000 $200,000
Credit History 57 $7,465,000 $130,000 $295,000 $74,000 $201,000
Collateral 41 $5,835,000 $142,000 $405,000 $69,000 $180,000
Credit Application Incomplete 28 $4,230,000 $151,000 $355,000 $76,000 $201,000
Other 12 $2,610,000 $217,000 $395,000 $102,000 $218,000
Unverifiable Information 10 $1,300,000 $130,000 $345,000 $58,000 $95,000
Employment History 4 $460,000 $115,000 $215,000 $34,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 2 $130,000 $65,000 $65,000 $37,000 $39,000
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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