Whitman County, WA Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,296 mortgage applications in Whitman County, WA totaling $339.2 million, up 24% from 2024. The average application was for $261,000, and applicants reported an average income of $147,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Crosscountry Mortgage, LLC, with 79 applications, followed by Wsecu and Guild Mortgage Company.

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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 1,296
Total Mortgage Loan Application Amount $339,240,000
Average Mortgage Loan Application Amount $261,000
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $147,000
Highest Applicant Income $4,082,000

Mortgage Company List for Lending in Whitman County, WA for 2025

* 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
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 79 $ 26,335,000
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ n/a 75 $ 9,375,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 64 $ 21,040,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ n/a 56 $ 11,300,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 54 $ 18,990,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ n/a 43 $ 12,395,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 43 $ 14,085,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ n/a 36 $ 11,840,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 35 $ 5,525,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 35 $ 5,965,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 34 $ 12,680,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 33 $ 11,295,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 28 $ 8,890,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ n/a 28 $ 7,640,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ n/a 24 $ 4,000,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ n/a 22 $ 2,170,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 19 $ 5,955,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ n/a 18 $ 5,560,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 18 $ 6,800,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 15 $ 1,705,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 15 $ 5,875,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ n/a 13 $ 5,275,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ n/a 13 $ 1,825,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 13 $ 3,205,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 13 $ 2,835,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 11 $ 775,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 11 $ 4,005,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 2,450,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 10 $ 2,720,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 10 $ 3,880,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 9 $ 1,685,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 9 $ 575,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 8 $ 1,310,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 8 $ 2,450,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 8 $ 2,240,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 8 $ 780,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 8 $ 700,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ n/a 8 $ 1,610,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 8 $ 1,490,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 7 $ 585,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ n/a 7 $ 2,015,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 6 $ 1,900,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,710,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 6 $ 1,860,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ n/a 6 $ 1,590,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ n/a 6 $ 1,440,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 6 $ 190,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 6 $ 1,960,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 1,705,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 5 $ 1,415,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 5 $ 1,895,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 5 $ 345,000
Freedom Northwest Credit Union
303 MAIN ST
KAMIAH, ID 83536
* $ n/a 5 $ 655,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 1,275,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 2,385,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 4 $ 1,170,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 4 $ 900,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 880,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 4 $ 1,140,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ n/a 4 $ 770,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 4 $ 1,630,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ n/a 4 $ 850,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ n/a 4 $ 690,000
Iq Credit Union
1313 MAIN STREET
VANCOUVER, WA 98660
* $ n/a 4 $ 280,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ n/a 3 $ 245,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 3 $ 525,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 1,045,000
Sammamish Mortgage Company
3015 112TH AVE NE STE 214
BELLEVUE, WA 98004
* $ n/a 3 $ 855,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 3 $ 635,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 3 $ 655,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 3 $ 1,025,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 665,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 3 $ 2,195,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 3 $ 805,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 3 $ 695,000
Royal Pacific Funding
4000 MACARTHUR BLVD TOWER - 7TH
NEWPORT BEACH, CA 92660
* $ n/a 3 $ 575,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 3 $ 235,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 3 $ 985,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 2 $ 240,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 380,000
Qualstar Credit Union
PO BOX 3050
BOTHELL, WA 98041
* $ n/a 2 $ 150,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 130,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 600,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 2 $ 650,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 2 $ 250,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 2 $ 620,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 1,490,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 560,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 360,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 470,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 2 $ 610,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 930,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 2 $ 110,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 2 $ 950,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 2 $ 2,010,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 2 $ 250,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 460,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 900,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 2 $ 600,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 2 $ 730,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 2 $ 480,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 145,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ n/a 1 $ 495,000
Mechanics Bank
1111 CIVIC DR
WALNUT CREEK, CA 94596
* $ n/a 1 $ 105,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 1 $ 215,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 195,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 95,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 275,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 25,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ n/a 1 $ 135,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 275,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 1 $ 305,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ n/a 1 $ 805,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 45,000
Thrivent Bank
2855 EAST COTTONWOOD PARKWAY SUITE 100
SALT LAKE, UT 84121
* $ n/a 1 $ 55,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 225,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 225,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ n/a 1 $ 105,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 545,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 95,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 205,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 325,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 485,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 375,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 365,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 1 $ 85,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 115,000
Harborstone Credit Union
9611 GRAVELLY LAKE DR SW
LAKEWOOD, WA 98499
* $ n/a 1 $ 275,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 455,000
Whatcom Educational Credit Uni
PO BOX 9750
BELLINGHAM, WA 98227
* $ n/a 1 $ 25,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 115,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 195,000
Spokane Firefighters Credit Un
2002 N ATLANTIC
SPOKANE, WA 99205
* $ n/a 1 $ 255,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ n/a 1 $ 65,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 395,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 1 $ 75,000
Mountain America Federal Credit Union
7181 SOUTH CAMPUS VIEW DRIVE
SANDY, UT 84091
* $ n/a 1 $ 675,000
Tri-Cities Community Federalcu
3213 W 19TH AVE
KENNEWICK, WA 99337
* $ n/a 1 $ 135,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 1 $ 555,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ n/a 1 $ 485,000
Twin River Bank
1507 G ST
LEWISTON, ID 83501
* $ n/a 1 $ 35,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ n/a 1 $ 145,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 1 $ 55,000
Jmj Financial Group Inc.
26800 ALISO VIEJO PARKWAY STE 200
ALISO VIEJO, CA 92656
* $ n/a 1 $ 165,000
Ally Bank

CHARLOTTE, NC 28202
* $ n/a 1 $ 355,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 1 $ 405,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 385,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 1 $ 275,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 385,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 285,000
Generations Home Loans, LLC
1156 SCENIC DRIVE SUITE 200
MODESTO, CA 95350
* $ n/a 1 $ 365,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 445,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 325,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 385,000
Cheney Federal Credit Union
520 FIRST STREET
CHENEY, WA 99004
* $ n/a 1 $ 205,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ n/a 1 $ 405,000

The tables below break down 2025 mortgage applications in Whitman County, WA by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Whitman County, WA in 2025

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 618 $205,420,000 $332,000 $2,805,000 $150,000 $4,082,000
Cash-out Refinancing 225 $46,065,000 $204,000 $1,125,000 $131,000 $2,377,000
Refinancing 183 $62,305,000 $340,000 $1,005,000 $169,000 $1,250,000
Other Purpose 137 $12,075,000 $88,000 $305,000 $151,000 $1,272,000
Home Improvement 132 $13,100,000 $99,000 $1,005,000 $134,000 $1,074,000
Not Applicable 1 $275,000 $275,000 $275,000 $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 947 $241,815,000 $255,000 $1,005,000 $145,000 $4,082,000
Not Provided 137 $37,725,000 $275,000 $2,805,000 $158,000 $1,272,000
Not applicable 68 $18,940,000 $278,000 $1,125,000 $92,000 $186,000
Asian 59 $18,675,000 $316,000 $805,000 $137,000 $552,000
Hispanic 50 $11,710,000 $234,000 $635,000 $164,000 $2,377,000
Black or African American 23 $7,535,000 $327,000 $645,000 $209,000 $863,000
American Indian or Alaskan Native 9 $2,165,000 $240,000 $485,000 $155,000 $271,000
Native Hawaiian or Other Pacific Islander 3 $675,000 $225,000 $375,000 $112,000 $122,000

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) 1,036 $256,640,000 $247,000 $2,805,000 $157,000 $4,082,000
FHA-insured (Federal Housing Administration) 143 $44,015,000 $307,000 $535,000 $102,000 $284,000
VA-guaranteed (Veterans Administration) 112 $37,250,000 $332,000 $645,000 $95,000 $350,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $1,335,000 $267,000 $415,000 $97,000 $123,000

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 737 $199,755,000 $271,000 $1,125,000 $151,000 $4,082,000
Application Withdrawn By Applicant 192 $54,000,000 $281,000 $1,005,000 $148,000 $1,310,000
Application Denied By Financial Institution 171 $32,295,000 $188,000 $2,805,000 $107,000 $799,000
Loan Purchased By The Institution 95 $28,335,000 $298,000 $1,125,000 $228,000 $4,082,000
File Closed For Incompleteness 53 $12,735,000 $240,000 $705,000 $131,000 $552,000
Application Approved But Not Accepted 44 $10,860,000 $246,000 $1,005,000 $170,000 $1,074,000
Preapproval Approved but not Accepted 4 $1,260,000 $315,000 $395,000 $131,000 $222,000
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 1,116 $305,170,000 $273,000 $1,125,000 $155,000 $4,082,000
Debt-To-Income Ratio 69 $11,495,000 $166,000 $455,000 $70,000 $218,000
Collateral 33 $5,375,000 $162,000 $665,000 $117,000 $300,000
Credit History 28 $3,560,000 $127,000 $435,000 $100,000 $248,000
Other 23 $6,785,000 $295,000 $2,805,000 $163,000 $799,000
Credit Application Incomplete 16 $3,050,000 $190,000 $675,000 $142,000 $550,000
Unverifiable Information 6 $1,630,000 $271,000 $545,000 $149,000 $250,000
Insufficient Cash (Downpayment, Closing Cost) 5 $2,175,000 $435,000 $815,000 $176,000 $428,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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