Whitman County, WA Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,079 mortgage applications in Whitman County, WA totaling $202.6 million, down 37% from 2013. The average application was for $187,000, and applicants reported an average income of $79,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Wsecu, with 116 applications, followed by Wells Fargo Bank NA and US Bank, N.A..

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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 1,079
Total Mortgage Loan Application Amount $202,574,000
Average Mortgage Loan Application Amount $187,000
Highest Mortgage Loan Application Amount $9,000,000
Average Applicant Income $79,000
Highest Applicant Income $1,000,000

Mortgage Company List for Lending in Whitman County, WA for 2014

* 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
Wsecu
PO BOX WSECU
OLYMPIA, WA 98507
* $ 1,922,283,000 116 $ 18,956,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 89 $ 14,801,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 89 $ 12,501,000
Homestreet Bank
601 UNION STREET 2000 TWO UNION SQUARE
SEATTLE, WA 98101
* $ 3,040,697,000 52 $ 12,465,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 1,328,711,000 44 $ 2,205,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 34 $ 4,799,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 605,577,000 32 $ 4,614,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 27 $ 3,539,000
Sterling Savings Bank
111 N WALL ST
SPOKANE, WA 99201
* $ 10,304,811,000 26 $ 5,265,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 11,626,502,000 25 $ 4,454,000
Americanwest Bank
P O BOX 105
CHEWELAH, WA 99109
* $ 3,913,524,000 24 $ 5,090,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 4,430,640,000 23 $ 6,515,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 19 $ 3,725,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 19 $ 11,195,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 18,590,433,000 18 $ 4,204,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 18 $ 2,848,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 17 $ 4,080,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 16 $ 3,808,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 16 $ 2,765,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ 1,845,569,000 15 $ 1,782,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ 4,658,882,000 12 $ 3,844,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 11,932,556,000 10 $ 962,000
Inspirus Credit Union
5200 SOUTHCENTER BLVD
SEATTLE, WA 98188
* $ 962,182,000 8 $ 462,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 431,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 7 $ 1,160,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ 10,000,000 7 $ 1,081,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ 31,000,000 7 $ 831,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 14,408,200,000 6 $ 1,033,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 6 $ 1,162,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,147,000
Global
1500 W 4TH AVE
SPOKANE, WA 99201
* $ 370,567,000 6 $ 1,496,000
Columbia State Bank
1301 A STREET
TACOMA, WA 98402
* $ 7,158,077,000 5 $ 1,071,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 5 $ 695,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 5 $ 1,403,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 1,105,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 668,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 5 $ 1,147,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 15,766,346,000 5 $ 998,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 4,165,399,000 5 $ 1,142,000
Podium Mortgage Capital LLC
3010 LAVA RIDGE COURT STE 220
ROSEVILLE, CA 95661
* $ 10,000,000 5 $ 832,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 584,109,000 5 $ 705,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 697,000
Bank of Fairfield
PO BOX 267
FAIRFIELD, WA 99012
* $ 142,704,000 4 $ 709,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 437,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 4 $ 747,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 4 $ 7,832,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 526,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 4 $ 604,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 4 $ 402,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 4 $ 684,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 4 $ 750,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 986,791,000 4 $ 737,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 7,871,150,000 4 $ 492,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 4 $ 487,000
Westwood Mortgage, Inc.
9706 4TH AVE NE SUITE 205
SEATTLE, WA 98115
* $ 608,000 3 $ 655,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 3 $ 481,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 3 $ 497,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 3 $ 512,000
Cobalt Mortgage, Inc.
11241 SLATER AVE NE, SUITE 200
KIRKLAND, WA 98033
* $ 10,000,000 3 $ 689,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 436,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 556,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 3 $ 255,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 3 $ 495,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 3 $ 597,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 3 $ 329,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 3 $ 565,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 3 $ 295,000
Timberland Bank
624 SIMPSON AVE
HOQUIAM, WA 98550
* $ 727,695,000 3 $ 566,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ 10,000,000 3 $ 488,000
Inland Northwest Bank
421 W RIVERSIDE AVE, STE 113
SPOKANE, WA 99201
* $ 393,139,000 2 $ 637,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 368,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 16,840,840,000 2 $ 517,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 2 $ 190,000
Bay Equity LLC

DETROIT, MI 48226
* $ 12,210,000 2 $ 297,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 229,000
Penrith Home Loans

MODESTO, CA 95350
* $ 8,526,000 2 $ 246,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 2 $ 277,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 324,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 253,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 435,000
Community Bank
PO BOX 817
JOSEPH, OR 97846
* $ 354,805,000 2 $ 2,198,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 2 $ 171,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 305,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 2 $ 217,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 293,000
First Priority Financial
3700 HILBORN ROAD, SUITE 700
FAIRFIELD, AL 94534
* $ 19,696,000 2 $ 287,000
Cheney Federal Credit Union
520 FIRST STREET
CHENEY, WA 99004
* $ 86,712,000 2 $ 107,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 377,000
Peak Credit Union
4501 INTELCO LOOP SE
LACEY, WA 98503
* $ 882,549,000 2 $ 272,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 1,297,360,000 1 $ 239,000
Idaho Independent Bank
1260 W RIVERSTONE DR
COEUR D ALENE, ID 83814
* $ 469,277,000 1 $ 295,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 1,556,338,000 1 $ 136,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 577,338,000 1 $ 8,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,412,590,000 1 $ 111,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 3,564,057,000 1 $ 222,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,763,439,000 1 $ 92,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 216,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 1 $ 107,000
Northwest Mortage Group, Inc.
10260 SW GREENBURG ROAD STE 900
PORTLAND, OR 97223
* $ 87,749,000 1 $ 151,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ 10,000,000 1 $ 220,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ 10,000,000 1 $ 237,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 224,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 154,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 1 $ 2,557,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 250,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 1 $ 7,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 310,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 53,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 826,961,000 1 $ 172,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 2,943,281,000 1 $ 308,000
BNC National Bank

BISMARCK, ND 58501
* $ 841,451,000 1 $ 417,000
Beneficial State Bank
1438 WEBSTER ST STE 100
OAKLAND, CA 94612
* $ 313,013,000 1 $ 761,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 1 $ 159,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 8,151,987,000 1 $ 186,000
Solarity Credit Union
P.O. BOX 2922
YAKIMA, WA 98902
* $ 519,870,000 1 $ 200,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 257,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 1 $ 300,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 173,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 221,000
Cornerstone Home Lending, Inc.
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 57,509,481,000 1 $ 275,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 127,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 225,000
Adair Financial Services, LLC
1101 SE TECH CENTER DRIVE, STE 140
VANCOUVER, WA 98683
* $ 68,697,000 1 $ 260,000
Axia Financial LLC
1120 112TH AVE NE STE 600
BELLEVUE, WA 98004
* $ 40,000,000 1 $ 223,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 170,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 417,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 260,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 102,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 26,795,278,000 1 $ 55,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 1 $ 140,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 85,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 75,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 224,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 125,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 111,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ 10,000,000 1 $ 67,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 163,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ 9,102,000 1 $ 128,000
D. L. Evans Bank
375 N OVERLAND AVE
BURLEY, ID 83318
* $ 1,007,356,000 1 $ 198,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 933,262,000 1 $ 61,000
Whatcom Educational Credit Uni
PO BOX 9750
BELLINGHAM, WA 98227
* $ 975,525,000 1 $ 90,000
Trust Company Bank
766 S WHITE STATION RD SUITE 5
MEMPHIS, TN 38117
* $ 32,060,000 1 $ 83,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 1 $ 144,000
Puget Sound Bank
10500 NE 8TH STREET SUITE 1500
BELLEVUE, WA 98004
* $ 339,263,000 1 $ 200,000
State Bank Northwest
12902 E SPRAGUE AVENUE
SPOKANE VALLEY, WA 99216
* $ 107,207,000 1 $ 55,000
Alaska USA Mortgage Co., LLC
PO BOX 196850
ANCHORAGE, AK 99519
* $ 1,485,079,000 1 $ 135,000

The tables below break down 2014 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 2014

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 575 $124,311,000 $216,000 $9,000,000 $83,000 $1,000,000
Refinancing 412 $71,327,000 $173,000 $2,557,000 $75,000 $415,000
Home Improvement 92 $6,936,000 $75,000 $528,000 $74,000 $228,000

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 809 $129,850,000 $160,000 $1,329,000 $79,000 $396,000
Not Provided 120 $20,369,000 $169,000 $528,000 $89,000 $290,000
Not applicable 69 $36,244,000 $525,000 $9,000,000 $15,000 $270,000
Asian 41 $8,170,000 $199,000 $415,000 $101,000 $415,000
Black or African American 14 $2,986,000 $213,000 $520,000 $237,000 $1,000,000
Hispanic 13 $2,597,000 $199,000 $417,000 $104,000 $325,000
American Indian or Alaskan Native 11 $1,947,000 $177,000 $306,000 $92,000 $204,000
Native Hawaiian or Other Pacific Islander 2 $411,000 $205,000 $248,000 $70,000 $75,000

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) 843 $162,067,000 $192,000 $9,000,000 $87,000 $1,000,000
FHA-insured (Federal Housing Administration) 109 $18,788,000 $172,000 $2,557,000 $54,000 $204,000
VA-guaranteed (Veterans Administration) 75 $13,378,000 $178,000 $400,000 $52,000 $189,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $8,341,000 $160,000 $286,000 $40,000 $73,000

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 618 $120,262,000 $194,000 $7,500,000 $88,000 $995,000
Application Denied By Financial Institution 179 $23,511,000 $131,000 $395,000 $66,000 $250,000
Application Withdrawn By Applicant 115 $30,085,000 $261,000 $9,000,000 $87,000 $1,000,000
Loan Purchased By The Institution 79 $13,314,000 $168,000 $415,000 $29,000 $270,000
File Closed For Incompleteness 47 $7,951,000 $169,000 $850,000 $72,000 $290,000
Application Approved But Not Accepted 41 $7,451,000 $181,000 $644,000 $97,000 $396,000
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
Collateral 24 $3,574,000 $148,000 $300,000 $81,000 $227,000
Credit History 24 $2,232,000 $93,000 $210,000 $56,000 $111,000
Debt-To-Income Ratio 22 $3,781,000 $171,000 $317,000 $69,000 $163,000
Other 10 $1,519,000 $151,000 $286,000 $54,000 $157,000
Credit Application Incomplete 8 $1,502,000 $187,000 $322,000 $76,000 $131,000
Unverifiable Information 4 $596,000 $149,000 $261,000 $79,000 $150,000
Insufficient Cash (Downpayment, Closing Cost) 2 $174,000 $87,000 $91,000 $39,000 $45,000
Employment History 1 $38,000 $38,000 $38,000 $10,000 $10,000
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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