Winona County, MN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,473 mortgage applications in Winona County, MN totaling $237.4 million, up 11% from 2024. The average application was for $161,000, and applicants reported an average income of $108,000. 71% of applications resulted in an originated loan and 10% were denied. The most active lender was Merchants Bank, National Association, with 421 applications, followed by Altra Federal Credit Union and Affinity Plus Federal Credit Union.
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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 | 1,473 |
| Total Mortgage Loan Application Amount | $237,365,000 |
| Average Mortgage Loan Application Amount | $161,000 |
| Highest Mortgage Loan Application Amount | $2,215,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $1,704,000 |
* 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 |
|---|---|---|---|---|
| Merchants Bank, National Association 102 EAST THIRD STREET WINONA, MN 55987 |
* | $ n/a | 421 | $ 62,145,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ n/a | 239 | $ 35,735,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ n/a | 53 | $ 3,485,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 50 | $ 8,720,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ n/a | 45 | $ 9,365,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 43 | $ 1,635,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ n/a | 38 | $ 6,100,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 32 | $ 1,760,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 29 | $ 6,965,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 25 | $ 4,085,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ n/a | 24 | $ 2,730,000 |
| Alerus Financial NA PO BOX 6001 GRAND FORKS, ND 58206 |
* | $ n/a | 23 | $ 2,825,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 15 | $ 2,885,000 |
| Peoples State Bank of Plainview 100 4TH AVE SE PLAINVIEW, MN 55964 |
* | $ n/a | 15 | $ 2,375,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ n/a | 14 | $ 2,610,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 3,890,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 13 | $ 3,175,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 13 | $ 2,085,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ n/a | 12 | $ 1,430,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 12 | $ 3,440,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ n/a | 11 | $ 665,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 10 | $ 1,730,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ n/a | 9 | $ 4,465,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ n/a | 9 | $ 1,665,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 9 | $ 1,795,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 8 | $ 1,840,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 8 | $ 630,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ n/a | 8 | $ 1,680,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 7 | $ 955,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 585,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 7 | $ 805,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 6 | $ 1,670,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 6 | $ 1,220,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 470,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 6 | $ 180,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 840,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 5 | $ 1,045,000 |
| First Alliance Credit Union 320 ALLIANCE PL NE ROCHESTER, MN 55904 |
* | $ n/a | 5 | $ 255,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ n/a | 5 | $ 1,005,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 1,065,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 5 | $ 985,000 |
| Foresight Bank 138 WEST BROADWAY PLAINVIEW, MN 55964 |
* | $ n/a | 5 | $ 1,135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 4 | $ 340,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 4 | $ 1,090,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 920,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 700,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ n/a | 4 | $ 1,340,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ n/a | 4 | $ 680,000 |
| Bankwest, Inc. 420 S. PIERRE STREET, PO BOX 998 PIERRE, SD 57501 |
* | $ n/a | 4 | $ 140,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ n/a | 4 | $ 890,000 |
| Abbott Laboratories Employees Credit Union 325 TRI STATE PKWY GURNEE, IL 60031 |
* | $ n/a | 3 | $ 1,245,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ n/a | 3 | $ 355,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 575,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 585,000 |
| Frandsen Bank & Trust 116 CENTRAL STREET WEST LONSDALE, MN 55046 |
* | $ n/a | 3 | $ 525,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 715,000 |
| Granite Bank 202 2ND AVENUE SOUTH, P.O. BOX 416 COLD SPRING, MN 56320 |
* | $ n/a | 3 | $ 655,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 3 | $ 535,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 525,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 1,035,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ n/a | 3 | $ 595,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 3 | $ 595,000 |
| F & M Community Bank, N.A. PO BOX 467 PRESTON, MN 55965 |
* | $ n/a | 3 | $ 125,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 405,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 3 | $ 1,265,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ n/a | 3 | $ 395,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 3 | $ 675,000 |
| Go Mortgage, LLC COLUMBUS, OH 43219 |
* | $ n/a | 3 | $ 745,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 555,000 |
| Premier Mortgage Resources, LLC 3363 E PRESIDENTIAL DR STE 200 MERIDIAN, ID 83646 |
* | $ n/a | 2 | $ 470,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 490,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 2 | $ 420,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 510,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 300,000 |
| Firefighters Credit Union 525 5TH AVE S ONALASKA, WI 54650 |
* | $ n/a | 2 | $ 450,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 360,000 |
| Valon Mortgage 14647 S 50TH ST, STE A150 PHOENIX, AZ 85044 |
* | $ n/a | 2 | $ 50,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ n/a | 2 | $ 400,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ n/a | 2 | $ 290,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 2 | $ 560,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ n/a | 2 | $ 340,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 610,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 1,050,000 |
| Premier Lending Inc. CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 350,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 2 | $ 290,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 260,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 2 | $ 620,000 |
| The First National Bank of Bangor 1798 COMMERCIAL ST BANGOR, WI 54614 |
* | $ n/a | 1 | $ 145,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ n/a | 1 | $ 35,000 |
| Citizens Community Federal N.A. 219 FAIRFAX STREET ALTOONA, WI 54720 |
* | $ n/a | 1 | $ 715,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 115,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 205,000 |
| Ony Glo, Inc. 6 HUTTON CENTRE DRIVE #1030 SANTA ANA, CA 92707 |
* | $ n/a | 1 | $ 185,000 |
| Falcon National Bank 183 CEDAR DRIVE FOLEY, MN 56329 |
* | $ n/a | 1 | $ 905,000 |
| Pioneer Bank 320 STADIUM ROAD SUITE 100 MANKATO, MN 56001 |
* | $ n/a | 1 | $ 5,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ n/a | 1 | $ 205,000 |
| Premier Bank Minnesota 101 10TH ST E HASTINGS, MN 55033 |
* | $ n/a | 1 | $ 305,000 |
| First Central State Bank 914 6TH AVE DE WITT, IA 52742 |
* | $ n/a | 1 | $ 395,000 |
| Southstate Bank, National Association 1101 1ST STREET SOUTH WINTER HAVEN, FL 33880 |
* | $ n/a | 1 | $ 2,215,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 325,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 105,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 195,000 |
| Ideal Credit Union 8499 TAMARACK ROAD WOODBURY, MN 55125 |
* | $ n/a | 1 | $ 15,000 |
| Stifel Bank & Trust 501 NORTH BROADWAY ST. LOUIS, MO 63102 |
* | $ n/a | 1 | $ 195,000 |
| Royal Bank 202 MAIN STREET ELROY, WI 53929 |
* | $ n/a | 1 | $ 745,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 195,000 |
| Dupaco Community Credit Union PO BOX 179 DUBUQUE, IA 52004 |
* | $ n/a | 1 | $ 195,000 |
| First Security Bank 316 BYRON AVE N BYRON, MN 55920 |
* | $ n/a | 1 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 375,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 205,000 |
| Advantagefirst Lending Inc 2 SOUTH POINTE DRIVE SUITES 200-235 LAKE FOREST, CA 92630 |
* | $ n/a | 1 | $ 135,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 135,000 |
| Imagine Home Lending, LLC 1037 RIDERS CLUB RD ONALASKA, WI 54650 |
* | $ n/a | 1 | $ 205,000 |
| Smartfi Home Loans SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 325,000 |
| Members Cooperative Credit Union 4628 MIKE COLALILLO DR DULUTH, MN 55816 |
* | $ n/a | 1 | $ 205,000 |
| Westconsin Credit Union 444 BROADWAY MENOMONIE, WI 54751 |
* | $ n/a | 1 | $ 55,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ n/a | 1 | $ 285,000 |
| Citizens Equity First Credit U 5401 W DIRKSEN PKWY PEORIA, IL 61607 |
* | $ n/a | 1 | $ 85,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 225,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 405,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 165,000 |
| Pgim Real Estate Agency Financing, LLC DALLAS, TX 75201 |
* | $ n/a | 1 | $ 1,565,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ n/a | 1 | $ 205,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 145,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 375,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 155,000 |
| Mortgageone, Inc 2714 LOKER AVE WEST SUITE 300 CARLSBAD, CA 92010 |
* | $ n/a | 1 | $ 165,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 1 | $ 335,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 285,000 |
| Greenstate Credit Union 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ n/a | 1 | $ 105,000 |
The tables below break down 2025 mortgage applications in Winona County, MN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Winona County, MN in 2025
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 | 717 | $148,695,000 | $207,000 | $2,215,000 | $102,000 | $1,704,000 |
| Refinancing | 269 | $37,485,000 | $139,000 | $555,000 | $121,000 | $1,071,000 |
| Other Purpose | 173 | $13,035,000 | $75,000 | $585,000 | $110,000 | $790,000 |
| Cash-out Refinancing | 157 | $27,765,000 | $176,000 | $1,565,000 | $98,000 | $390,000 |
| Home Improvement | 154 | $9,960,000 | $64,000 | $285,000 | $123,000 | $1,364,000 |
| Not Applicable | 3 | $425,000 | $141,000 | $245,000 | $77,000 | $77,000 |
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 | 1,208 | $187,540,000 | $155,000 | $1,145,000 | $109,000 | $1,704,000 |
| Not Provided | 121 | $18,715,000 | $154,000 | $525,000 | $105,000 | $493,000 |
| Not applicable | 78 | $21,160,000 | $271,000 | $2,215,000 | $126,000 | $176,000 |
| Hispanic | 41 | $5,595,000 | $136,000 | $405,000 | $80,000 | $354,000 |
| Asian | 14 | $2,630,000 | $187,000 | $325,000 | $98,000 | $275,000 |
| Black or African American | 6 | $820,000 | $136,000 | $215,000 | $102,000 | $271,000 |
| American Indian or Alaskan Native | 5 | $905,000 | $181,000 | $245,000 | $80,000 | $161,000 |
| 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) | 1,296 | $194,570,000 | $150,000 | $2,215,000 | $110,000 | $1,704,000 |
| FHA-insured (Federal Housing Administration) | 126 | $28,320,000 | $224,000 | $505,000 | $87,000 | $241,000 |
| VA-guaranteed (Veterans Administration) | 43 | $13,375,000 | $311,000 | $695,000 | $95,000 | $257,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,100,000 | $137,000 | $245,000 | $61,000 | $94,000 |
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 | 1,051 | $169,115,000 | $160,000 | $1,565,000 | $114,000 | $1,704,000 |
| Application Denied By Financial Institution | 151 | $18,715,000 | $123,000 | $1,085,000 | $88,000 | $790,000 |
| Application Withdrawn By Applicant | 118 | $22,750,000 | $192,000 | $2,215,000 | $109,000 | $1,364,000 |
| Loan Purchased By The Institution | 79 | $17,565,000 | $222,000 | $485,000 | $76,000 | $176,000 |
| File Closed For Incompleteness | 37 | $4,675,000 | $126,000 | $365,000 | $75,000 | $175,000 |
| Application Approved But Not Accepted | 36 | $4,390,000 | $121,000 | $1,005,000 | $85,000 | $328,000 |
| Preapproval Approved but not Accepted | 1 | $155,000 | $155,000 | $155,000 | $79,000 | $79,000 |
| 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 | 1,275 | $209,415,000 | $164,000 | $2,215,000 | $108,000 | $1,704,000 |
| Debt-To-Income Ratio | 81 | $14,325,000 | $176,000 | $585,000 | $133,000 | $1,071,000 |
| Credit History | 55 | $4,455,000 | $81,000 | $505,000 | $65,000 | $354,000 |
| Collateral | 25 | $4,095,000 | $163,000 | $1,085,000 | $158,000 | $790,000 |
| Credit Application Incomplete | 19 | $2,795,000 | $147,000 | $525,000 | $101,000 | $289,000 |
| Other | 10 | $1,230,000 | $123,000 | $315,000 | $94,000 | $271,000 |
| Unverifiable Information | 4 | $470,000 | $117,000 | $185,000 | $73,000 | $116,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $355,000 | $59,000 | $62,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $83,000 | $83,000 |
| 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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