Whiteside County, IL Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,344 mortgage applications in Whiteside County, IL totaling $138.7 million, down 1% from 2016. The average application was for $103,000, and applicants reported an average income of $64,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was US Bank, N.A., with 152 applications, followed by Farmers National Bank and Finance of America Mortgage LLC.

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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 1,344
Total Mortgage Loan Application Amount $138,663,000
Average Mortgage Loan Application Amount $103,000
Highest Mortgage Loan Application Amount $9,350,000
Average Applicant Income $64,000
Highest Applicant Income $6,600,000

Mortgage Company List for Lending in Whiteside County, IL for 2017

* 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
* $ 441,010,095,000 152 $ 14,268,000
Farmers National Bank
114 W THIRD ST
PROPHETSTOWN, IL 61277
* $ 606,332,000 101 $ 9,182,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 55 $ 5,109,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 53 $ 5,114,000
Central Bank Illinois
101 N STATE ST
GENESEO, IL 61254
* $ 616,717,000 47 $ 4,010,000
I H Mississippi Valley Credit Union
2121 47TH STREET
MOLINE, IL 61265
* $ 1,086,646,000 44 $ 2,831,000
Cornerstone Credit Union
550 W. MEADOWS DRIVE
FREEPORT, IL 61032
* $ 109,545,000 41 $ 456,000
Perl Mortgage, Inc.
2936 WEST BELMONT AVE
CHICAGO, IL 60618
* $ -1,000 36 $ 4,289,000
Ascentra Credit Union
PO BOX 1107
BETTENDORF, IA 52722
* $ 394,427,000 36 $ 3,249,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 33 $ 3,440,000
First Trust & Savings Bank of Albany, Illinois
209 SOUTH MAIN STREET
ALBANY, IL 61230
* $ 213,361,000 32 $ 1,821,000
Midland States Bank
1201 NETWORK CENTRE DRIVE
EFFINGHAM, IL 62401
* $ 3,230,875,000 30 $ 2,361,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 29 $ 3,338,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 22 $ 2,454,000
Vibrant Credit Union
1900 52ND AVE
MOLINE, IL 61265
* $ 581,584,000 21 $ 1,570,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 21 $ 2,626,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 20 $ 2,216,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 1,477,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 2,451,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 19 $ 1,800,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 19 $ 1,703,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 13 $ 2,026,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ -1,000 13 $ 1,066,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,497,697,000 11 $ 1,301,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 10 $ 1,439,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,982,691,000 10 $ 1,010,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 10 $ 1,628,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 10 $ 1,139,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 10 $ 1,411,000
Illinois Bank & Trust
6855 E RIVERSIDE BLVD
ROCKFORD, IL 61114
* $ 742,173,000 9 $ 434,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 8 $ 652,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 8 $ 624,000
American B&T C, N.A.
4301 E 53RD STREET
DAVENPORT, IA 52807
* $ 323,148,000 7 $ 773,000
Tbk Bank, SSB
12700 PARK CENTRAL DRIVE STE #1700
DALLAS, TX 75251
* $ 2,601,871,000 7 $ 154,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 7 $ 634,000
Illini Bank
3200 W. ILES AVENUE
SPRINGFIELD, IL 62711
* $ 283,019,000 7 $ 1,017,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 474,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 139,776,168,000 6 $ 299,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 832,884,000 6 $ 422,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 6 $ 693,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 703,000
Ruhl Mortgage LLC
1701 52ND AVENUE
MOLINE, IL 61265
* $ -1,000 6 $ 761,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 682,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 181,659,000 6 $ 747,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 6 $ 502,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 5 $ 530,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 642,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 5 $ 981,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 13,265,339,000 5 $ 254,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,854,481,000 5 $ 72,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 5 $ 570,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 5 $ 471,000
R.I.A. Federal Credit Union
PO BOX 4750
BETTENDORF, IA 52722
* $ 375,280,000 4 $ 79,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 558,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 4 $ 516,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 483,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 4 $ 49,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 58,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 543,000
Peoples National Bank of Kewanee
207 N TREMONT ST
KEWANEE, IL 61443
* $ 247,662,000 4 $ 115,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 349,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 289,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 3 $ 9,572,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 3,902,292,000 3 $ 243,000
Consumer Loan Services, LLC
811 MONITOR STREET
LA CROSSE, WI 54603
* $ -1,000 3 $ 228,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 107,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 402,000
First State Bank of Forrest
133 E. KRACK ST.
FORREST, IL 61741
* $ 172,993,000 3 $ 58,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 672,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 553,662,000 3 $ 287,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 3 $ 73,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 3 $ 470,000
Marine Bank
3050 WABASH AVENUE
SPRINGFIELD, IL 62704
* $ 608,667,000 3 $ 398,000
Dutrac Community Credit Union
P O BOX 3250
DUBUQUE, IA 52004
* $ 657,746,000 3 $ 344,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 11,254,182,000 3 $ 34,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 2 $ 29,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,207,688,000 2 $ 45,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 106,169,829,000 2 $ 100,000
First Direct Lending LLC
15261 LAGUNA CANYON ROAD, SUITE 200
IRVINE, CA 92618
* $ -1,000 2 $ 272,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 170,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 318,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 433,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ 2,800,000,000 2 $ 348,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 2 $ 308,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 2 $ 356,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 2 $ 395,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 150,000
Stillman Banccorp NA
101 E. MAIN STREET P.O. BOX 150
STILLMAN VALLEY, IL 61084
* $ 430,915,000 2 $ 100,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 2 $ 135,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 2 $ 263,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 2 $ 282,000
Performance Equity Partners, Inc.
PO BOX 368
TINLEY PARK, IL 60477
* $ -1,000 2 $ 55,000
BNC National Bank

BISMARCK, ND 58501
* $ 908,911,000 2 $ 164,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 227,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 214,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 183,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 239,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 2 $ 132,000
Byron Bank
200 N WALNUT ST
BYRON, IL 61010
* $ 235,712,000 2 $ 276,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 2 $ 398,000
Homeowners Financial Group, LLC
16427 N. SCOTTSDALE ROAD, SUITE 145
SCOTTSDALE, AZ 85251
* $ -1,000 2 $ 322,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 247,000
Holcomb Bank
108 W MAIN ST
ROCHELLE, IL 61068
* $ 180,105,000 2 $ 315,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 329,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 2 $ 131,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 235,000
Union Savings Bank
223 W STEPHENSON ST
FREEPORT, IL 61032
* $ 155,778,000 1 $ 112,000
Illinois State Credit Union
1309 S CENTER
NORMAL, IL 61761
* $ 114,527,000 1 $ 42,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 392,980,000 1 $ 84,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 1 $ 147,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 912,493,000 1 $ 251,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 212,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 116,939,799,000 1 $ 91,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 129,000
The Family Credit Union
1530 W 53RD STREET
DAVENPORT, IA 52806
* $ 149,635,000 1 $ 70,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 1 $ 456,000
Heartland Bank & Trust Company
401 N HERSHEY RD
BLOOMINGTON, IL 61704
* $ 2,968,666,000 1 $ 39,000
Midwest Heritage Bank FSB
3580 EP TRUE PKWY, STE 100
WEST DES MOINES, IA 50265
* $ 243,295,000 1 $ 93,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,042,021,000 1 $ 204,000
Iaa Credit Union
808 IAA DRIVE
BLOOMINGTON, IL 61701
* $ 227,546,000 1 $ 100,000
Hickory Point Bank & Trust
225 N WATER STREET
DECATUR, IL 62525
* $ 652,269,000 1 $ 158,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 56,935,844,000 1 $ 475,000
Bank Midwest
1525 18TH STREET SUITE 100
SPIRIT LAKE, IA 51360
* $ 818,053,000 1 $ 326,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 92,000
Cornerstone Mortgage, Inc.
17280 NORTH OUTER 40 RD.
CHESTERFIELD, MO 63005
* $ -1,000 1 $ 135,000
Blackhawk Bank
400 BROAD ST.
BELOIT, WI 53511
* $ 664,353,000 1 $ 147,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 81,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 144,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 1 $ 87,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,453,590,000 1 $ 137,000
Alpine Bank & Trust Co.
1700 N ALPINE RD
ROCKFORD, IL 61107
* $ 1,249,501,000 1 $ 242,000
First State Bank
706 WASHINGTON STREET
MENDOTA, IL 61342
* $ 955,421,000 1 $ 50,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 56,000
Credit Union 1
200 EAST CHAMPAIGN AVENUE
RANTOUL, IL 61866
* $ 789,470,000 1 $ 96,000
Midwest Community Bank
510 PARK CREST DR
FREEPORT, IL 61032
* $ 221,887,000 1 $ 118,000
Premier Lending Alliance
8831THOMAS AVE. SUITE 100
JOHNSTON, IA 50131
* $ -1,000 1 $ 127,000
Heritage Credit Union
1212 HUXLEY STREET
MADISON, WI 53704
* $ 315,530,000 1 $ 40,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,027,051,000 1 $ 56,000
Fortress Bank
9000 N. KNOXVILLE AVENUE
PEORIA, IL 61615
* $ 360,718,000 1 $ 139,000
First Northern Credit Union
230 W MONROE, SUITE 2850
CHICAGO, IL 60606
* $ 317,552,000 1 $ 152,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 271,694,000 1 $ 117,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ 18,938,350,000 1 $ 20,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 1 $ 103,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 149,000
First National Acceptance Company
241 EAST SAGINAW/P.O. BOX 980
EAST LANSING, MI 48826
* $ -1,000 1 $ 150,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 86,000
Forethought Life Insurance Company
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ -1,000 1 $ 40,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 90,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 114,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 225,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 1 $ 114,000
Iowa Bankers Mortgage Corporation
8800 NW 62ND AVE
JOHNSTON, IA 50131
* $ -1,000 1 $ 190,000
The Harvard State Bank
35 N AYER ST, PO BOX 40
HARVARD, IL 60033
* $ 218,173,000 1 $ 850,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ 0 1 $ 0
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 1 $ 93,000
Quad City Bank and Trust
4500 NORTH BRADY STREET
DAVENPORT, IA 52806
* $ 1,418,788,000 1 $ 366,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ 2,227,613,000 1 $ 72,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 568,425,000 1 $ 474,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 80,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 105,000

The tables below break down 2017 mortgage applications in Whiteside County, IL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Whiteside County, IL in 2017

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 633 $80,718,000 $127,000 $9,350,000 $58,000 $642,000
Refinancing 529 $51,368,000 $97,000 $767,000 $60,000 $612,000
Home Improvement 182 $6,577,000 $36,000 $197,000 $98,000 $6,600,000

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 994 $94,723,000 $95,000 $692,000 $72,000 $6,600,000
Not applicable 152 $26,267,000 $172,000 $9,350,000 $7,000 $240,000
Not Provided 89 $9,011,000 $101,000 $474,000 $74,000 $599,000
Hispanic 87 $6,386,000 $73,000 $352,000 $51,000 $130,000
Black or African American 14 $1,154,000 $82,000 $204,000 $86,000 $224,000
Asian 5 $1,063,000 $212,000 $475,000 $327,000 $560,000
American Indian or Alaskan Native 2 $54,000 $27,000 $48,000 $54,000 $83,000
Native Hawaiian or Other Pacific Islander 1 $5,000 $5,000 $5,000 $41,000 $41,000

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) 806 $80,675,000 $100,000 $9,350,000 $69,000 $640,000
FHA-insured (Federal Housing Administration) 239 $23,814,000 $99,000 $277,000 $69,000 $6,600,000
VA-guaranteed (Veterans Administration) 176 $23,680,000 $134,000 $474,000 $62,000 $642,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 123 $10,494,000 $85,000 $171,000 $27,000 $92,000

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 723 $79,688,000 $110,000 $9,350,000 $67,000 $640,000
Application Denied By Financial Institution 249 $20,421,000 $82,000 $328,000 $57,000 $499,000
Loan Purchased By The Institution 171 $17,872,000 $104,000 $326,000 $17,000 $240,000
Application Withdrawn By Applicant 129 $13,793,000 $106,000 $474,000 $129,000 $6,600,000
Application Approved But Not Accepted 39 $3,997,000 $102,000 $310,000 $69,000 $186,000
File Closed For Incompleteness 33 $2,892,000 $87,000 $254,000 $51,000 $168,000
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 55 $3,215,000 $58,000 $165,000 $62,000 $224,000
Collateral 34 $3,309,000 $97,000 $328,000 $80,000 $499,000
Debt-To-Income Ratio 30 $2,503,000 $83,000 $229,000 $44,000 $98,000
Credit Application Incomplete 14 $1,466,000 $104,000 $160,000 $70,000 $138,000
Other 14 $1,106,000 $79,000 $252,000 $59,000 $143,000
Insufficient Cash (Downpayment, Closing Cost) 6 $493,000 $82,000 $186,000 $36,000 $48,000
Unverifiable Information 4 $344,000 $86,000 $140,000 $85,000 $150,000
Employment History 3 $244,000 $81,000 $123,000 $38,000 $70,000
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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