Whitman County, WA Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,061 mortgage applications in Whitman County, WA totaling $281.8 million, down 28% from 2022. The average application was for $265,000, and applicants reported an average income of $123,000. 58% of applications resulted in an originated loan and 16% were denied. The most active lender was Wsecu, with 128 applications, followed by Potlatch No 1 Financial Credit U and United Wholesale Mortgage.

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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 1,061
Total Mortgage Loan Application Amount $281,805,000
Average Mortgage Loan Application Amount $265,000
Highest Mortgage Loan Application Amount $28,005,000
Average Applicant Income $123,000
Highest Applicant Income $1,203,000

Mortgage Company List for Lending in Whitman County, WA for 2023

* 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
* $ 4,932,136,000 128 $ 16,870,000
Potlatch No 1 Financial Credit U
1025 WARNER AVENUE
LEWISTON, ID 83501
* $ 2,020,815,000 77 $ 15,735,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 73 $ 24,015,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 45 $ 13,665,000
Washington Trust Bank
717 W SPRAGUE AVE
SPOKANE, WA 99201
* $ 10,412,724,000 45 $ 13,675,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 26 $ 5,200,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 7,415,263,000 24 $ 7,200,000
Boeing Employees' Credit Union
12770 GATEWAY DRIVE
TUKWILA, WA 98168
* $ 28,780,644,000 23 $ 3,975,000
Spokane Teachers Credit Union
1620 N SIGNAL DR
LIBERTY LAKE, WA 99019
* $ 5,625,825,000 21 $ 2,385,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 20 $ 1,600,000
Banner Bank
10 SOUTH 1ST STREET
WALLA WALLA, WA 99362
* $ 15,821,645,000 20 $ 2,110,000
Washington Federal
425 PIKE ST
SEATTLE, WA 98101
* $ 21,645,013,000 20 $ 4,930,000
Columbia Bank
5885 MEADOWS RD SUITE 400
LAKE OSWEGO, OR 97035
* $ 31,844,724,000 19 $ 3,215,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 18 $ 4,950,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 18 $ 5,690,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 16 $ 4,490,000
Idaho Central Credit Union
4400 CENTRAL WAY
CHUBBUCK, ID 83202
* $ 9,744,391,000 16 $ 3,730,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 15 $ 5,435,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 89,544,919,000 14 $ 4,690,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 3,055,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 4,135,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 11 $ 3,525,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 2,950,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 10 $ 3,510,000
Wheatland Bank
222 N WALL ST SUITE #100
SPOKANE, WA 99201
* $ 716,176,000 10 $ 770,000
Numerica Credit Union
14610 E SPRAGUE AVE
SPOKANE VALLEY, WA 99216
* $ 3,779,393,000 9 $ 1,405,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 9 $ 1,735,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 8 $ 1,240,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 8 $ 2,440,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 8 $ 880,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 7 $ 1,395,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 1,265,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 7 $ 1,495,000
Gesa Credit Union
51 GAGE BLVD
RICHLAND, WA 99352
* $ 5,594,015,000 7 $ 805,000
Freedom Northwest Credit Union
303 MAIN ST
KAMIAH, ID 83536
* $ 497,920,000 7 $ 1,035,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,890,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 6 $ 2,420,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 6 $ 1,100,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 1,200,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 5 $ 1,135,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 2,025,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 5 $ 765,000
Agwest Farm Credit, Flca
2001 SOUTH FLINT ROAD
SPOKANE, WA 99224
* $ -1,000 5 $ 1,635,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 5 $ 605,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 5 $ 1,095,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 4 $ 1,670,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 4 $ 880,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 4 $ 860,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 1,450,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 4 $ 690,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 4 $ 320,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 250,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 1,240,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 1,460,000
Evergreen Moneysource Mortgage Company
15405 SE 37TH STREET
BELLEVUE, WA 98006
* $ -1,000 3 $ 425,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 855,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 11,844,793,000 3 $ 685,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 515,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 955,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 595,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 3 $ 1,665,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 3 $ 1,705,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 1,585,000
O Bee Credit Union
3900 CLEVELAND AVE SE
LACEY, WA 98509
* $ 560,412,000 2 $ 210,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 390,000
Penrith Home Loans

MODESTO, CA 95350
* $ -1,000 2 $ 700,000
Glacier Bank
202 MAIN
KALISPELL, MT 59901
* $ 26,612,483,000 2 $ 460,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 2 $ 1,050,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 2 $ 810,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 380,000
Priority Home Lending, LLC

HOUSTON, TX 77027
* $ -1,000 2 $ 630,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 2 $ 1,450,000
Peoples Bank
3100 WOBURN STREET
BELLINGHAM, WA 98226
* $ 2,579,261,000 2 $ 210,000
Sound Credit Union
1331 BROADWAY
TACOMA, WA 98402
* $ 2,699,119,000 2 $ 320,000
Cheney Federal Credit Union
520 FIRST STREET
CHENEY, WA 99004
* $ 149,429,000 2 $ 990,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ -1,000 2 $ 550,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 300,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 400,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 790,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 2 $ 1,860,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 2 $ 1,120,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 350,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ -1,000 2 $ 220,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ 1,991,593,000 2 $ 910,000
First Interstate Bank
PO BOX 30918
BILLINGS, MT 59101
* $ 32,216,733,000 2 $ 180,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 470,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 2 $ 390,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 280,000
First Continental Mortgage, Ltd.
11011 RICHMOND AVENUE, SUITE 800
HOUSTON, TX 77072
* $ -1,000 2 $ 230,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 175,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 4,469,837,000 1 $ 35,000
Lower Columbia Longshoremen's Federal Credit Union
629 14TH AVENUE
LONGVIEW, WA 98632
* $ 96,514,000 1 $ 225,000
Bank of Eastern Oregon
279 N MAIN ST
HEPPNER, OR 97836
* $ 890,181,000 1 $ 125,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ 16,706,914,000 1 $ 275,000
Star One Credit Union
PO BOX 3643
SUNNYVALE, CA 94088
* $ 10,762,461,000 1 $ 255,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 95,000
Vista Point Mortgage, LLC
1920 MAIN ST SUITE 200
IRVINE, CA 92614
* $ -1,000 1 $ 185,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 265,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 215,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 1 $ 125,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 255,000
Rivermark Community Credit Union
14405 MEYERS RD
OREGON CITY, OR 97045
* $ 1,400,233,000 1 $ 85,000
Greenwood Credit Union
2669 POST ROAD
WARWICK, RI 02886
* $ 792,493,000 1 $ 85,000
Readycap Commercial LLC

BERKELEYN++HEIGHTS, NJ 07922
* $ -1,000 1 $ 28,005,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ -1,000 1 $ 335,000
Sound Community Bank
2400 3RD AVENUE SUITE150
SEATTLE, WA 98121
* $ 976,516,000 1 $ 35,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 55,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 19,309,880,000 1 $ 65,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 155,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 65,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ -1,000 1 $ 445,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 165,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 225,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 435,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 1 $ 45,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 315,000
Fundloans Capital
12481 HIGH BLUFF DR STE 150
SAN DIEGO, CA 92130
* $ -1,000 1 $ 155,000
Directors Mortgage, Inc
4550 SW KRUSE WAY, SUITE 275
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 255,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 385,000
Mann Financial Inc.
1220 WHITEFISH STAGE ROAD
KALISPELL, MT 59901
* $ -1,000 1 $ 315,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 395,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 255,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 275,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 455,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 1 $ 295,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ 4,739,869,000 1 $ 75,000
Seattle Metropolitan Credit Union
1521 1ST AVENUE S
SEATTLE, WA 98134
* $ 1,075,471,000 1 $ 105,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 401,943,000 1 $ 215,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 315,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 1 $ 165,000
Horizon Credit Union
13224 E MANSFIELD AVE
SPOKANE VALLEY, WA 99216
* $ 2,076,980,000 1 $ 135,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ -1,000 1 $ 235,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 1 $ 5,325,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 1 $ 5,325,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 455,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 1 $ 455,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 195,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 55,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 465,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 375,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 435,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 1 $ 445,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 1 $ 25,000
Unitus Community Credit Union
7632 SW DURHAM RD
TIGARD, OR 97224
* $ 1,727,213,000 1 $ 65,000
America's Credit Union
1495 WILMINGTON DR
DUPONT, WA 98327
* $ 691,572,000 1 $ 55,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 95,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 1 $ 585,000
North Coast Credit Union
1100 DUPONT ST
BELLINGHAM, WA 98225
* $ 373,136,000 1 $ 265,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 1 $ 355,000
Marion & Polk Schools Credit Union
PO BOX 12398
SALEM, OR 97309
* $ 1,266,038,000 1 $ 95,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 35,000
Mason-Mcduffie Mortgage Corporation
2010 CROW CANYON PLACE, #400
SAN RAMON, CA 94583
* $ -1,000 1 $ 225,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 215,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 205,000
Hapo Communtiy Credit Union
4 N UNION ST
RICHLAND, WA 99354
* $ 2,335,413,000 1 $ 215,000

The tables below break down 2023 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 2023

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 590 $206,110,000 $349,000 $28,005,000 $121,000 $593,000
Other Purpose 143 $13,275,000 $92,000 $405,000 $117,000 $350,000
Home Improvement 141 $13,615,000 $96,000 $635,000 $125,000 $680,000
Cash-out Refinancing 124 $28,090,000 $226,000 $795,000 $112,000 $1,203,000
Refinancing 62 $20,710,000 $334,000 $5,325,000 $174,000 $600,000
Not Applicable 1 $5,000 $5,000 $5,000 $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 723 $161,035,000 $222,000 $1,175,000 $122,000 $1,203,000
Not Provided 175 $42,185,000 $241,000 $725,000 $114,000 $593,000
Not applicable 56 $50,000,000 $892,000 $28,005,000 $232,000 $500,000
Hispanic 31 $5,605,000 $180,000 $415,000 $87,000 $233,000
Asian 30 $9,660,000 $322,000 $675,000 $147,000 $323,000
Black or African American 23 $6,325,000 $275,000 $695,000 $187,000 $520,000
American Indian or Alaskan Native 14 $3,830,000 $273,000 $635,000 $109,000 $188,000
Native Hawaiian or Other Pacific Islander 2 $1,000,000 $500,000 $605,000 $321,000 $343,000

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) 892 $228,200,000 $255,000 $28,005,000 $128,000 $1,203,000
FHA-insured (Federal Housing Administration) 105 $33,215,000 $316,000 $5,325,000 $89,000 $303,000
VA-guaranteed (Veterans Administration) 61 $20,065,000 $328,000 $795,000 $93,000 $184,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3 $325,000 $108,000 $225,000 $56,000 $56,000

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 619 $180,215,000 $291,000 $28,005,000 $129,000 $1,203,000
Application Denied By Financial Institution 168 $30,820,000 $183,000 $1,175,000 $107,000 $680,000
Application Withdrawn By Applicant 151 $39,585,000 $262,000 $1,125,000 $118,000 $600,000
Loan Purchased By The Institution 53 $15,025,000 $283,000 $735,000 $142,000 $500,000
Application Approved But Not Accepted 34 $7,620,000 $224,000 $605,000 $121,000 $310,000
File Closed For Incompleteness 30 $6,540,000 $218,000 $635,000 $95,000 $230,000
Preapproval Approved but not Accepted 5 $1,545,000 $309,000 $415,000 $140,000 $300,000
Preapproval Denied by Financial Institution 1 $455,000 $455,000 $455,000 $131,000 $131,000

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 880 $247,890,000 $281,000 $28,005,000 $126,000 $1,203,000
Debt-To-Income Ratio 69 $12,755,000 $184,000 $805,000 $88,000 $236,000
Collateral 41 $9,215,000 $224,000 $1,175,000 $131,000 $447,000
Credit History 30 $3,310,000 $110,000 $345,000 $116,000 $680,000
Other 18 $3,630,000 $201,000 $645,000 $127,000 $276,000
Credit Application Incomplete 12 $2,310,000 $192,000 $375,000 $91,000 $172,000
Unverifiable Information 8 $2,170,000 $271,000 $455,000 $119,000 $303,000
Employment History 2 $410,000 $205,000 $325,000 $78,000 $96,000
Insufficient Cash (Downpayment, Closing Cost) 1 $115,000 $115,000 $115,000 $40,000 $40,000
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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