Windsor County, VT Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 2,388 mortgage applications in Windsor County, VT totaling $483.1 million, down 12% from 2010. The average application was for $202,000, and applicants reported an average income of $141,000. 49% of applications resulted in an originated loan and 17% were denied. The most active lender was Bank of America NA, with 206 applications, followed by Wells Fargo Bank NA and People's United Bank.

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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 2,388
Total Mortgage Loan Application Amount $483,087,000
Average Mortgage Loan Application Amount $202,000
Highest Mortgage Loan Application Amount $2,353,000
Average Applicant Income $141,000
Highest Applicant Income $4,341,000

Mortgage Company List for Lending in Windsor County, VT for 2011

* 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
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 206 $ 49,179,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 205 $ 45,025,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 24,650,366,000 164 $ 31,349,000
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 992,307,000 137 $ 26,811,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 99 $ 22,798,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 94 $ 19,057,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 92 $ 19,495,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 85 $ 18,652,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 179,970,802,000 83 $ 15,396,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 78 $ 13,315,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 74 $ 9,375,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 62 $ 11,225,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 60 $ 12,657,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 50 $ 10,058,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,490,871,000 48 $ 6,611,000
Merrimack Mortgage Company, in
1045 ELM STREET, SUITE 601
MANCHESTER, NH 03101
* $ 10,000,000 42 $ 8,573,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 41 $ 7,140,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 38 $ 7,300,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 538,577,000 37 $ 4,237,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 629,919,000 36 $ 4,410,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 36 $ 6,151,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 27 $ 4,835,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 1,747,813,000 27 $ 4,024,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 25 $ 6,778,000
Berkshire Bank

ALBANY, NY 12207
* $ 2,845,217,000 24 $ 6,056,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 21 $ 2,703,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 18 $ 2,577,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 17 $ 3,629,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 17 $ 3,805,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 17 $ 3,381,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 17 $ 3,746,000
Mortgage Master, Inc.
102 ELM STREET
WALPOLE, MA 02081
* $ 11,250,346,000 15 $ 3,608,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 14 $ 2,686,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 14 $ 2,662,000
Citifinancial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,494,037,000,000 11 $ 606,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 9 $ 1,536,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 9 $ 1,795,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 9 $ 1,851,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 7,724,367,000 8 $ 3,017,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 8 $ 2,274,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 66,045,000 8 $ 450,000
Sidus Financial, LLC
701 GREEN VALLEY ROAD, SUITE 101
GREENSBORO, NC 27408
* $ 10,000,000 7 $ 1,464,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 7 $ 1,420,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 7 $ 1,941,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 76,586,967,000 7 $ 2,504,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 7 $ 720,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 6 $ 2,621,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 6 $ 1,213,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 6 $ 1,176,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 5 $ 349,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 5 $ 1,481,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 621,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 17,769,872,000 5 $ 2,097,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 4 $ 617,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 4 $ 463,000
Poli Mortgage Group, Inc.
780 DEDHAM STREET
CANTON, MA 02021
* $ 7,525,858,000 4 $ 869,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 797,220,000 3 $ 476,000
Vermont Federal Credit Union
275 KENNEDY DR
SOUTH BURLINGTON, VT 05407
* $ 300,447,000 3 $ 675,000
Shelter Mortgage Company, LLC
4000 W BROWN DEER ROAD
BROWN DEER, WI 53209
* $ 1,270,503,000 3 $ 619,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,270,503,000 3 $ 619,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 3 $ 1,075,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 365,735,000 3 $ 928,000
First Federal Svg Bank Boston
100 BRICKSTONE SQUARE
ANDOVER, MA 01810
* $ 114,535,000 3 $ 707,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 3 $ 1,490,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 3 $ 514,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 3 $ 663,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 613,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 264,000
National Bank of Middlebury
30 MAIN STREET
MIDDLEBURY, VT 05753
* $ 273,219,000 2 $ 614,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 545,104,000 2 $ 296,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 136,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 299,000
W. J. Bradley Mortgage Capital
6465 GREENWOOD PLAZA BLVD, SUITE 500
CENTENNIAL, CO 80111
* $ 10,000,000 2 $ 215,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 297,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 353,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 189,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 556,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 11,459,900,000 2 $ 2,527,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 2 $ 291,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 31,465,215,000 2 $ 1,995,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 23,797,773,000 2 $ 680,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 2 $ 294,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 2 $ 795,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 2 $ 262,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 3,862,039,000 2 $ 293,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 2 $ 252,000
Rockland Trust Company
120 LIBERTY STREET
BROCKTON, MA 02302
* $ 4,702,401,000 2 $ 640,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 3,650,782,000 2 $ 121,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 4,011,333,000 2 $ 529,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 2,034,669,000 2 $ 300,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 221,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 1,778,147,000 2 $ 319,000
Graystone Tower Bank
1826 GOOD HOPE RD
ENOLA, PA 17025
* $ 2,745,490,000 2 $ 437,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 2 $ 403,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 480,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 453,245,000 2 $ 304,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 2 $ 285,000
Peoples Trust Company of St. Albans
25 KINGMAN STREET, PO BOX 320
ST. ALBANS, VT 05478
* $ 228,180,000 1 $ 165,000
Bank of New Hampshire
62 PLEASANT ST
LACONIA, NH 03246
* $ 1,060,643,000 1 $ 415,000
Dime Bank
290 SALEM TPKE
NORWICH, CT 06360
* $ 679,787,000 1 $ 244,000
Midwest Community Bank
510 PARK CREST DR
FREEPORT, IL 61032
* $ 222,695,000 1 $ 112,000
Williamstown Savings Bank
795 MAIN STREET
WILLIAMSTOWN, MA 01267
* $ 227,593,000 1 $ 90,000
Boston Private Bank & Trust Co
TEN POST OFFICE SQUARE
BOSTON, MA 02109
* $ 3,448,880,000 1 $ 1,730,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 502,376,000 1 $ 177,000
Patriot Community Bank
237 LEXINGTON ST
WOBURN, MA 01801
* $ 99,408,000 1 $ 384,000
Heritage Financial Credit Union
25 RYKOWSKI LANE
MIDDLETOWN, NY 10941
* $ 223,058,000 1 $ 110,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 854,111,000 1 $ 100,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 271,648,000 1 $ 129,000
Rtn Federal Credit Union
600 MAIN STREET
WALTHAM, MA 02452
* $ 681,171,000 1 $ 154,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 297,520,000 1 $ 152,000
Massmutual FCU
1295 STATE STREET
SPRINGFIELD, MA 01111
* $ 197,009,000 1 $ 203,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ 10,000,000 1 $ 140,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 1 $ 215,000
Guardhill Financial LLC
140 EAST 45TH STREET, 31ST FLOOR
NEW YORK, NY 10017
* $ 9,310,000 1 $ 600,000
Holyoke Credit Union
490 WESTFIELD ROAD
HOLYOKE, MA 01040
* $ 134,874,000 1 $ 94,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 7,592,420,000 1 $ 1,140,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,444,690,000 1 $ 178,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 1 $ 43,000
Granite Bank
132 MAIN STREET
COLEBROOK, NH 03576
* $ 224,651,000 1 $ 240,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 224,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 1 $ 268,000
Virginia Commerce Bank Inc
5350 LEE HIGHWAY
ARLINGTON, VA 22207
* $ 2,739,442,000 1 $ 74,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 1,374,407,000 1 $ 81,000
Community First Bank
11426 YORK ROAD
HUNT VALLEY, MD 21030
* $ 58,132,000 1 $ 156,000
Aig Federal Savings Bank
600 N KING STREET, SUITE 2
WILMINGTON, DE 19801
* $ 1,064,456,000 1 $ 170,000
Carnegie Mortgage
2297 STATE HIGHWAY 33
HAMILTON SQUARE, NJ 08690
* $ 193,976,000 1 $ 397,000
United Bank
95 ELM STREET
WEST SPRINGFIELD, CT 01089
* $ 1,582,300,000 1 $ 620,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 221,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 165,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 382,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 385,490,000 1 $ 400,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 390,000
Bankliberty
16 W FRANKLIN
LIBERTY, MO 64068
* $ 441,482,000 1 $ 417,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 64,000
Hudson City Savings Bank
WEST 80 CENTURY ROAD
PARAMUS, NJ 07652
* $ 51,780,521,000 1 $ 625,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 1 $ 154,000
E*Trade Bank
671 NORTH GLEBE ROAD, 12TH FLOOR
ARLINGTON, VA 22203
* $ 44,883,561,000 1 $ 116,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 1 $ 417,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 24,832,312,000 1 $ 142,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ 435,000,000 1 $ 188,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 187,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 1 $ 340,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 89,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 88,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 215,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 178,000
Members Mortgage Company, Inc.
10 CEDAR STREET, #11
WOBURN, MA 01801
* $ 10,000,000 1 $ 203,000
Gateway Funding Dms, LP
300 WELSH ROAD, BUILDING 5
HORSHAM, PA 19044
* $ 10,000,000 1 $ 417,000
Ownerschoice Funding, Inc.
1021 WATERVLIET-SHAKER ROAD
ALBANY, NY 12203
* $ 10,000,000 1 $ 133,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 256,084,000 1 $ 79,000

The tables below break down 2011 mortgage applications in Windsor County, VT by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Windsor County, VT in 2011

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
Refinancing 1,622 $338,845,000 $208,000 $2,275,000 $140,000 $4,341,000
Home Purchase 610 $128,035,000 $209,000 $2,353,000 $154,000 $2,892,000
Home Improvement 156 $16,207,000 $103,000 $520,000 $99,000 $1,394,000

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 1,843 $367,571,000 $199,000 $2,100,000 $144,000 $2,892,000
Not Provided 297 $67,665,000 $227,000 $2,353,000 $207,000 $4,341,000
Not applicable 189 $36,850,000 $194,000 $625,000 $16,000 $383,000
Asian 16 $3,077,000 $192,000 $415,000 $105,000 $328,000
Hispanic 16 $4,026,000 $251,000 $900,000 $187,000 $939,000
Black or African American 13 $2,406,000 $185,000 $281,000 $116,000 $432,000
American Indian or Alaskan Native 12 $1,305,000 $108,000 $410,000 $117,000 $460,000
Native Hawaiian or Other Pacific Islander 2 $187,000 $93,000 $119,000 $25,000 $33,000

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) 2,068 $429,357,000 $207,000 $2,353,000 $154,000 $4,341,000
FHA-insured (Federal Housing Administration) 213 $36,926,000 $173,000 $393,000 $60,000 $503,000
VA-guaranteed (Veterans Administration) 58 $10,084,000 $173,000 $306,000 $56,000 $131,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $6,720,000 $137,000 $219,000 $41,000 $72,000

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 1,170 $242,394,000 $207,000 $2,000,000 $166,000 $4,341,000
Loan Purchased By The Institution 410 $76,925,000 $187,000 $625,000 $75,000 $4,341,000
Application Denied By Financial Institution 403 $79,965,000 $198,000 $2,275,000 $126,000 $1,867,000
Application Withdrawn By Applicant 182 $36,745,000 $201,000 $1,140,000 $147,000 $1,492,000
Application Approved But Not Accepted 125 $28,417,000 $227,000 $2,353,000 $178,000 $1,570,000
File Closed For Incompleteness 98 $18,641,000 $190,000 $1,100,000 $129,000 $715,000
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
Debt-To-Income Ratio 112 $23,467,000 $209,000 $2,100,000 $87,000 $968,000
Collateral 87 $25,259,000 $290,000 $2,275,000 $225,000 $1,867,000
Credit History 59 $6,572,000 $111,000 $318,000 $57,000 $190,000
Other 31 $6,234,000 $201,000 $480,000 $184,000 $987,000
Credit Application Incomplete 19 $2,987,000 $157,000 $302,000 $192,000 $500,000
Employment History 5 $675,000 $135,000 $166,000 $51,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 5 $633,000 $126,000 $192,000 $57,000 $125,000
Mortgage Insurance Denied 4 $863,000 $215,000 $387,000 $120,000 $310,000
Unverifiable Information 4 $667,000 $166,000 $282,000 $59,000 $83,000

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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