Windsor County, VT Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,769 mortgage applications in Windsor County, VT totaling $357.6 million, up 20% from 2014. The average application was for $202,000, and applicants reported an average income of $123,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Lake Sunapee Bank, with 172 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 1,769
Total Mortgage Loan Application Amount $357,567,000
Average Mortgage Loan Application Amount $202,000
Highest Mortgage Loan Application Amount $7,750,000
Average Applicant Income $123,000
Highest Applicant Income $3,119,000

Mortgage Company List for Lending in Windsor County, VT for 2015

* 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
Lake Sunapee Bank
9 MAIN ST
NEWPORT, NH 03773
* $ 1,502,324,000 172 $ 32,419,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 109 $ 20,365,000
People's United Bank
850 MAIN STREET
BRIDGEPORT, CT 06604
* $ 35,755,742,000 91 $ 14,503,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 69 $ 11,769,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 64 $ 13,662,000
Passumpsic Bank
25 MR ARTHUR DRIVE
CHESTERFIELD, NH 03466
* $ 306,000,000 62 $ 9,574,000
Vermont State Employees
ONE BAILEY AVENUE
MONTPELIER, VT 05602
* $ 654,687,000 61 $ 5,489,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 60 $ 14,349,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 102,971,333,000 55 $ 8,012,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 49 $ 20,111,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 46 $ 8,322,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 42 $ 9,661,000
Northfield Savings Bank
1021 PAINE TURNPIKE NORTH
BERLIN, VT 05602
* $ 795,014,000 37 $ 4,548,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,071,910,000 30 $ 4,413,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 230,280,000,000 29 $ 5,117,000
Merchants Bank
PO BOX 1009
BURLINGTON, VT 05402
* $ 1,727,908,000 27 $ 3,469,000
802 Credit Union
265 SOUTH MAIN STREET
BARRE, VT 05641
* $ 88,002,000 24 $ 1,857,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 23 $ 5,179,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 21 $ 8,119,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 2,539,043,000 21 $ 2,618,000
Harborone Mortgage, LLC
1045 ELM ST SUITE 601
MANCHESTER, NH 03101
* $ 100,000,000 21 $ 4,518,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 20 $ 3,507,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 18 $ 2,758,000
Berkshire Bank

ALBANY, NY 12207
* $ 6,476,905,000 17 $ 4,658,000
One Credit Union
380 RIVER STREET
SPRINGFIELD, VT 05156
* $ 132,333,000 17 $ 1,504,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 13 $ 2,832,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,680,579,000 13 $ 2,563,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 13 $ 2,755,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 12 $ 2,163,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 11 $ 2,025,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 11 $ 1,902,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 11 $ 1,799,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 11 $ 2,504,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 10 $ 1,933,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 10 $ 2,529,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 10,000,000 10 $ 2,371,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ 10,000,000 9 $ 1,472,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 9 $ 1,650,000
Northeast Bank
500 CANAL ST
LEWISTON, ME 04240
* $ 806,585,000 8 $ 1,098,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 8 $ 1,194,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 1,652,000
National Bank of Middlebury
30 MAIN STREET
MIDDLEBURY, VT 05753
* $ 319,067,000 8 $ 3,941,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ 846,003,000 8 $ 1,898,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 7 $ 1,494,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 347,000
Eastrise Federal Credit Union
141 HARVEST LANE
WILLISTON, VT 05495
* $ 1,053,456,000 7 $ 1,232,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 6 $ 1,326,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 6 $ 1,574,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 6 $ 9,102,000
First Republic Bank
111 PINE STREET
SAN FRANCISCO, CA 94111
* $ 48,353,330,000 6 $ 3,207,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 5 $ 1,014,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 5 $ 1,066,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 255,011,219,000 5 $ 500,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 502,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 5 $ 711,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 901,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 4 $ 745,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ 454,735,000 4 $ 461,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 4 $ 101,000
Webster Bank, N.A.
145 BANK STREET
STAMFORD, CT 06901
* $ 22,513,012,000 4 $ 693,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 4 $ 1,040,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 178,676,927,000 4 $ 2,849,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 4 $ 735,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 4 $ 1,443,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 4 $ 51,000
Lighthouse Federal Credit Union
100 BORTHWICK AVE
PORTSMOUTH, NH 03801
* $ 1,022,353,000 4 $ 73,000
Guardhill Financial LLC
140 EAST 45TH STREET, 31ST FLOOR
NEW YORK, NY 10017
* $ 9,310,000 4 $ 2,926,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 4 $ 781,000
Union Bank
20 LOWER MAIN STREET PO BOX 667
MORRISVILLE, VT 05661
* $ 622,949,000 3 $ 494,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 3 $ 484,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 636,758,000 3 $ 645,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ 17,789,000 3 $ 418,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 394,000
Fairfield County Bank
150 DANBURY ROAD
RIDGEFIELD, CT 06877
* $ 1,524,704,000 3 $ 803,000
Mountainone Bank
93 MAIN STREET
NORTH ADAMS, MA 01247
* $ 809,930,000 3 $ 559,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 418,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 3 $ 334,000
Kittredge Mortgage Corporation
123 BONNET STREET
MANCHESTER, VT 05254
* $ 7,088,000 3 $ 509,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 5,958,502,000 3 $ 595,000
Mortgage Network, Inc.
99 CONIFER HILL DR
DANVERS, MA 01923
* $ 3,700,000 2 $ 228,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 5,967,941,000 2 $ 90,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 324,000
Mortgage Financial Inc
170 MAIN STREET, SUITE 108
TEWKSBURY, MA 01876
* $ 10,000,000 2 $ 242,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ 10,000,000 2 $ 499,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 432,000
Dime Bank
290 SALEM TPKE
NORWICH, CT 06360
* $ 756,207,000 2 $ 632,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 875,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 2 $ 270,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 4,013,461,000 2 $ 316,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 448,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 130,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 727,505,000 2 $ 412,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 2 $ 770,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 28,953,664,000 2 $ 292,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ 20,938,997,000 2 $ 2,375,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 253,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 2 $ 428,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 2 $ 752,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,672,142,000 2 $ 358,000
Northmark Bank
89 TURNPIKE STREET, P.O. BOX 825
NORTH ANDOVER, MA 01845
* $ 329,185,000 2 $ 748,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 2,271,349,000 2 $ 369,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 295,168,000 2 $ 114,000
BNC National Bank

BISMARCK, ND 58501
* $ 933,532,000 1 $ 222,000
St. Mary's Bank CU
48 PERIMETER RD
MANCHESTER, NH 03103
* $ 814,656,000 1 $ 15,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 582,208,000 1 $ 93,000
Eaglebank
11931 TECH RD
SILVER SPRING, MD 20904
* $ 5,230,016,000 1 $ 230,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 5,244,310,000 1 $ 88,000
Nbt Bank NA
52 S BROAD ST
NORWICH, NY 13815
* $ 7,726,299,000 1 $ 154,000
Community National Bank
4811 US ROUTE 5
NEWPORT, VT 05855
* $ 586,090,000 1 $ 208,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 1 $ 114,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 1 $ 325,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 2,458,381,000 1 $ 144,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 221,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 317,000
Msa Mortgage, LLC
5 FREMONT STREET
WINTHROP, MA 02152
* $ 10,000,000 1 $ 173,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 1 $ 25,000
M&T Real Estate Trust
701 SENECA STREET-SUITE 330N
BUFFALO, NY 14210
* $ 54,391,344,000 1 $ 7,750,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 1 $ 190,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 111,278,000,000 1 $ 384,000
UBS Bank USA
299 S. MAIN ST
SALT LAKE CITY, UT 84111
* $ 48,481,911,000 1 $ 1,800,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 118,214,000,000 1 $ 1,300,000
Santander Bank, N.A.
824 NORTH MARKET STREET, SUITE 100
WILMINGTON, DE 19801
* $ 80,472,892,000 1 $ 259,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 155,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 122,000
Sterling National Bank
400 RELLA BLVD.
MONTEBELLO, NY 10901
* $ 2,967,471,000 1 $ 400,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,036,325,000 1 $ 64,000
Fidelity Bank
353 CARONDELET ST
NEW ORLEANS, LA 70130
* $ 836,647,000 1 $ 255,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 310,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 81,661,915,000 1 $ 100,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 1 $ 128,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 320,000
Boston Private Bank & Trust Co
TEN POST OFFICE SQUARE
BOSTON, MA 02109
* $ 6,615,263,000 1 $ 1,500,000
Newtown Savings Bank
39 MAIN STREET
NEWTOWN, CT 06470
* $ 988,017,000 1 $ 183,000
Bankesb
36 MAIN STREET
EASTHAMPTON, MA 01027
* $ 1,039,346,000 1 $ 55,000
Hampden Bank
70 HARRISON AVE.
SPRINGFIELD, MA 01103
* $ 691,820,000 1 $ 66,000
United Bank
225 ASYLUM ST
HARTFORD, CT 06103
* $ 5,477,328,000 1 $ 200,000
Bay State Savings Bank
28 FRANKLIN STREET
WORCESTER, MA 01608
* $ 340,983,000 1 $ 140,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 377,710,000 1 $ 196,000
Harborone Bank
770 OAK STREET
BROCKTON, MA 02301
* $ 2,043,538,000 1 $ 334,000
Peoplesbank
330 WHITNEY AVENUE
HOLYOKE, MA 01040
* $ 1,918,568,000 1 $ 75,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 932,414,000 1 $ 210,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 317,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 98,000
Central One Federal Credit Union
714 MAIN ST
SHREWSBURY, MA 01545
* $ 396,721,000 1 $ 117,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 306,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 124,628,000 1 $ 100,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 5,045,286,000 1 $ 210,000
Private Bank of Buckhead
3565 PIEDMONT ROAD, BLDG 3, STE 210
ATLANTA, GA 30305
* $ 245,738,000 1 $ 243,000
Poli Mortgage Group, Inc.
780 DEDHAM STREET
CANTON, MA 02021
* $ 7,525,858,000 1 $ 300,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 612,661,000 1 $ 609,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 421,354,000 1 $ 124,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 9,378,000 1 $ 308,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 1 $ 256,000
Four Points Federal Credit Union
510 N 127TH ST
OMAHA, NE 68137
* $ 118,869,000 1 $ 100,000

The tables below break down 2015 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 2015

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 849 $165,343,000 $194,000 $3,884,000 $108,000 $3,119,000
Home Purchase 767 $176,373,000 $229,000 $7,750,000 $143,000 $2,300,000
Home Improvement 153 $15,851,000 $103,000 $1,875,000 $109,000 $2,515,000

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 1,347 $245,111,000 $181,000 $1,875,000 $126,000 $3,119,000
Not Provided 234 $53,277,000 $227,000 $2,250,000 $157,000 $2,300,000
Not applicable 123 $46,232,000 $375,000 $7,750,000 $16,000 $305,000
Hispanic 34 $5,703,000 $167,000 $640,000 $113,000 $499,000
Asian 10 $2,833,000 $283,000 $450,000 $366,000 $1,092,000
Black or African American 9 $824,000 $91,000 $229,000 $26,000 $67,000
American Indian or Alaskan Native 8 $2,991,000 $373,000 $1,800,000 $137,000 $577,000
Native Hawaiian or Other Pacific Islander 4 $596,000 $149,000 $340,000 $150,000 $417,000

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) 1,406 $297,039,000 $211,000 $7,750,000 $143,000 $3,119,000
FHA-insured (Federal Housing Administration) 189 $28,480,000 $150,000 $275,000 $50,000 $936,000
VA-guaranteed (Veterans Administration) 109 $22,468,000 $206,000 $646,000 $54,000 $250,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 65 $9,580,000 $147,000 $272,000 $37,000 $86,000

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 909 $189,406,000 $208,000 $7,750,000 $143,000 $3,119,000
Application Denied By Financial Institution 400 $71,347,000 $178,000 $3,884,000 $91,000 $1,128,000
Application Withdrawn By Applicant 186 $33,541,000 $180,000 $1,800,000 $135,000 $2,300,000
Loan Purchased By The Institution 156 $39,468,000 $253,000 $7,750,000 $54,000 $507,000
File Closed For Incompleteness 68 $11,759,000 $172,000 $500,000 $103,000 $934,000
Application Approved But Not Accepted 50 $12,046,000 $240,000 $1,875,000 $228,000 $1,702,000
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 83 $20,839,000 $251,000 $3,884,000 $75,000 $425,000
Collateral 82 $14,831,000 $180,000 $715,000 $139,000 $1,128,000
Credit History 56 $8,298,000 $148,000 $1,400,000 $81,000 $898,000
Credit Application Incomplete 29 $5,405,000 $186,000 $383,000 $81,000 $274,000
Other 17 $2,391,000 $140,000 $322,000 $108,000 $342,000
Unverifiable Information 7 $1,424,000 $203,000 $525,000 $86,000 $300,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,065,000 $177,000 $302,000 $75,000 $304,000
Employment History 3 $465,000 $155,000 $220,000 $62,000 $74,000
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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