Williamsburg County, SC Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 765 mortgage applications in Williamsburg County, SC totaling $102.3 million, down 2% from 2022. The average application was for $133,000, and applicants reported an average income of $72,000. 29% of applications resulted in an originated loan and 38% were denied. The most active lender was 21st Mortgage, with 188 applications, followed by Vanderbilt Mortgage and Finance, Inc and Lennar 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 | 765 |
| Total Mortgage Loan Application Amount | $102,285,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $2,015,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $1,104,000 |
* 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 |
* | $ -1,000 | 188 | $ 21,450,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 132 | $ 13,910,000 |
| Lennar Mortgage, LLC 5505 WATERFORD DISTRICT DRIVE SUITE 505 MIAMI, FL 33126 |
* | $ -1,000 | 23 | $ 5,695,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 16 | $ 1,820,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 16 | $ 2,600,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ 43,900,126,000 | 16 | $ 1,640,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 109,180,139,000 | 15 | $ 1,655,000 |
| The Citizens Bank 124 E. MAIN STREET OLANTA, SC 29114 |
* | $ 994,381,000 | 13 | $ 1,785,000 |
| Mc Federal Credit Union 230 WALNUT ST DANVILLE, PA 17821 |
* | $ 1,712,280,000 | 13 | $ 925,000 |
| Mc Federal Credit Union 230 WALNUT ST DANVILLE, PA 17821 |
* | $ 216,475,000 | 13 | $ 925,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 12 | $ 1,140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 12 | $ 1,920,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 11 | $ 1,465,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 9 | $ 505,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 9 | $ 1,185,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 9 | $ 1,215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 8 | $ 1,560,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 386,799,237,000 | 8 | $ 610,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,275,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 940,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 590,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 6 | $ 820,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 5 | $ 705,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ -1,000 | 5 | $ 795,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 795,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 5 | $ 615,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 5 | $ 1,095,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 450,910,000 | 5 | $ 745,000 |
| Arborone Aca 800 WOODY JONES BLVD FLORENCE, SC 29501 |
* | $ -1,000 | 5 | $ 705,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 650,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 520,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 490,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 950,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 4 | $ 200,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 720,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 4 | $ 340,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 4 | $ 550,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 4 | $ 190,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 4 | $ 560,000 |
| Carolina One Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 980,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 3 | $ 225,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 685,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 3 | $ 645,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 3 | $ 175,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 3 | $ 525,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ -1,000 | 3 | $ 835,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 1,405,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 485,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 3 | $ 405,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 755,000 |
| Ntfn, Inc. 700 STATE HIGHWAY 121, SUITE 100 PLANO, TX 75067 |
* | $ -1,000 | 2 | $ 510,000 |
| Palmetto Citizens Federal Cred PO BOX 5846 COLUMBIA, SC 29250 |
* | $ 1,303,382,000 | 2 | $ 450,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ -1,000 | 2 | $ 360,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 2,040,399,000 | 2 | $ 360,000 |
| Intercoastal Mortgage, LLC 11911 FREEDOM DRIVE SUITE 500 RESTON, VA 20190 |
* | $ -1,000 | 2 | $ 590,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 410,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 340,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 190,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 500,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 2 | $ 130,000 |
| The Conway National Bank 1400 3RD AVENUE CONWAY, SC 29526 |
* | $ 1,812,261,000 | 2 | $ 150,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 300,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 520,000 |
| Anderson Brothers Bank 101 N MAIN STREET MULLINS, SC 29574 |
* | $ 1,554,014,000 | 2 | $ 200,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 410,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 170,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 40,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 2 | $ 330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 250,000 |
| First Reliance Bank 2170 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 934,534,000 | 2 | $ 240,000 |
| South Carolina Federal Credit 6265 RIVERS AVENUE NORTH CHARLESTON, SC 29406 |
* | $ 2,561,193,000 | 2 | $ 150,000 |
| Logan Finance Corporation 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE HAUPPAUGE, NY 11788 |
* | $ -1,000 | 1 | $ 215,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 215,000 |
| S&T Bank 800 PHILADELPHIA STREET PO BOX 190 INDIANA, PA 15701 |
* | $ 9,106,184,000 | 1 | $ 85,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 85,000 |
| Carolina Bank 3037 W PALMETTO ST FLORENCE, SC 29501 |
* | $ 790,549,000 | 1 | $ 45,000 |
| Atlantic Coast Mortgage, LLC 4100 MONUMENT CORNER DRIVE, SUITE 300 FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 215,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 65,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,099,887,000 | 1 | $ 225,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 275,000 |
| Resource Financial Services, Inc. 2717 DEVINE STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 165,000 |
| Southern First Bank 100 VERDAE BLVD GREENVILLE, SC 29607 |
* | $ 3,694,134,000 | 1 | $ 65,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 45,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 155,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 4,554,611,000 | 1 | $ 45,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 395,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 125,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 95,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ -1,000 | 1 | $ 165,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 135,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 205,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 105,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 1 | $ 25,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 1 | $ 195,000 |
| Tampa Bay Federal Credit Union PO BOX 7492 TAMPA, FL 33603 |
* | $ 407,366,000 | 1 | $ 115,000 |
| Sc State Credit Union 800 HUGER STREET COLUMBIA, SC 29201 |
* | $ 1,300,321,000 | 1 | $ 35,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 165,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ -1,000 | 1 | $ 275,000 |
| Nj Lenders Corp 219 PATERSON AVE LITTLE FALLS, NJ 07424 |
* | $ -1,000 | 1 | $ 245,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ 699,502,000 | 1 | $ 35,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 2,015,000 |
| Greystone Servicing Corporation, Inc. MEMPHIS, TN 38120 |
* | $ -1,000 | 1 | $ 2,015,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 215,000 |
| Colorado Credit Union 8331 CONTINENTAL DIVIDE ROAD LITTLETON, CO 80127 |
* | $ 373,673,000 | 1 | $ 135,000 |
| First Credit Corporation of Ny, Inc. 21 NORTH MAIN STREET GLOVERSVILLE, NY 12078 |
* | $ -1,000 | 1 | $ 25,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 85,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 185,000 |
| US Mortgage Corporation 201 OLD COUNTRY ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 155,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ -1,000 | 1 | $ 325,000 |
| Northwest Federal Credit Union 220 SPRING STREET HERNDON, VA 20170 |
* | $ 4,112,771,000 | 1 | $ 105,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 65,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 23,954,627,000 | 1 | $ 165,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 65,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| American Heritage Federal Credit Union 2060 RED LION RD PHILADELPHIA, PA 19115 |
* | $ 4,485,714,000 | 1 | $ 65,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 255,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ -1,000 | 1 | $ 185,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 115,000 |
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 50,970,402,000 | 1 | $ 35,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 2,138,111,000 | 1 | $ 85,000 |
| First Heritage Mortgage, LLC 11325 RANDOM HILLS RD SUITE 600 FAIRFAX, VA 22031 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 195,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2023 mortgage applications in Williamsburg County, SC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Williamsburg County, SC 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 | 601 | $81,945,000 | $136,000 | $1,125,000 | $69,000 | $1,017,000 |
| Cash-out Refinancing | 71 | $10,215,000 | $143,000 | $405,000 | $68,000 | $180,000 |
| Other Purpose | 33 | $2,765,000 | $83,000 | $355,000 | $116,000 | $1,104,000 |
| Home Improvement | 29 | $2,045,000 | $70,000 | $285,000 | $91,000 | $240,000 |
| Refinancing | 27 | $5,185,000 | $192,000 | $2,015,000 | $67,000 | $184,000 |
| Not Applicable | 4 | $130,000 | $32,000 | $95,000 | $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 |
|---|---|---|---|---|---|---|
| Black or African American | 353 | $40,455,000 | $114,000 | $325,000 | $62,000 | $430,000 |
| White | 256 | $37,750,000 | $147,000 | $1,125,000 | $89,000 | $1,104,000 |
| Not Provided | 76 | $9,370,000 | $123,000 | $405,000 | $66,000 | $240,000 |
| Not applicable | 60 | $11,580,000 | $193,000 | $2,015,000 | $80,000 | $110,000 |
| Hispanic | 15 | $2,245,000 | $149,000 | $325,000 | $55,000 | $107,000 |
| Asian | 4 | $750,000 | $187,000 | $255,000 | $83,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $135,000 | $135,000 | $135,000 | $89,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 578 | $69,130,000 | $119,000 | $2,015,000 | $73,000 | $1,104,000 |
| FHA-insured (Federal Housing Administration) | 120 | $19,850,000 | $165,000 | $415,000 | $65,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 54 | $11,110,000 | $205,000 | $405,000 | $81,000 | $180,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,195,000 | $168,000 | $325,000 | $59,000 | $88,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 289 | $32,425,000 | $112,000 | $405,000 | $56,000 | $430,000 |
| Loan Originated | 221 | $32,935,000 | $149,000 | $2,015,000 | $86,000 | $1,104,000 |
| File Closed For Incompleteness | 98 | $13,380,000 | $136,000 | $1,125,000 | $76,000 | $842,000 |
| Application Withdrawn By Applicant | 64 | $8,980,000 | $140,000 | $405,000 | $82,000 | $318,000 |
| Loan Purchased By The Institution | 57 | $9,505,000 | $166,000 | $415,000 | $81,000 | $110,000 |
| Application Approved But Not Accepted | 35 | $4,935,000 | $141,000 | $505,000 | $83,000 | $183,000 |
| Preapproval Approved but not Accepted | 1 | $125,000 | $125,000 | $125,000 | $48,000 | $48,000 |
| 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 | 461 | $68,305,000 | $148,000 | $2,015,000 | $83,000 | $1,104,000 |
| Credit History | 146 | $15,490,000 | $106,000 | $255,000 | $61,000 | $430,000 |
| Debt-To-Income Ratio | 89 | $10,465,000 | $117,000 | $305,000 | $47,000 | $128,000 |
| Unverifiable Information | 21 | $2,435,000 | $115,000 | $195,000 | $59,000 | $116,000 |
| Credit Application Incomplete | 16 | $1,550,000 | $96,000 | $175,000 | $46,000 | $82,000 |
| Collateral | 12 | $1,370,000 | $114,000 | $355,000 | $90,000 | $260,000 |
| Employment History | 8 | $1,150,000 | $143,000 | $235,000 | $48,000 | $79,000 |
| Other | 7 | $1,035,000 | $147,000 | $405,000 | $64,000 | $145,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $485,000 | $97,000 | $145,000 | $49,000 | $67,000 |
| 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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