Winona County, MN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 2,071 mortgage applications in Winona County, MN totaling $288.8 million, up 18% from 2018. The average application was for $139,000, and applicants reported an average income of $88,000. 72% of applications resulted in an originated loan and 10% were denied. The most active lender was Merchants Bank, National Association, with 638 applications, followed by Altra Federal Credit Union and Wells Fargo Bank NA.
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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 | 2,071 |
| Total Mortgage Loan Application Amount | $288,775,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $1,555,000 |
| Average Applicant Income | $88,000 |
| Highest Applicant Income | $2,858,000 |
* 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 |
* | $ 1,766,499,000 | 638 | $ 84,870,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 1,514,584,000 | 337 | $ 47,605,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 164 | $ 20,040,000 |
| Affinity Plus Federal Credit Union 175 WEST LAFAYETTE FRONTAGE ROAD SAINT PAUL, MN 55107 |
* | $ 2,176,291,000 | 152 | $ 15,970,000 |
| Bremer Bank NA 372 SAINT PETER STREET SAINT PAUL, MN 55102 |
* | $ 12,122,519,000 | 88 | $ 13,510,000 |
| Home Federal Savings Bank 1016 CIVIC CENTER DR NW ROCHESTER, MN 55901 |
* | $ 711,235,000 | 68 | $ 9,350,000 |
| Marine Credit Union 811 MONITOR STREET LA CROSSE, WI 54601 |
* | $ 753,826,000 | 54 | $ 5,580,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 45 | $ 5,975,000 |
| Think Mutual Bank 5200 MEMBERS PARKWAY NW ROCHESTER, MN 55901 |
* | $ 1,647,162,000 | 20 | $ 3,250,000 |
| Peoples State Bank of Plainview 100 4TH AVE SE PLAINVIEW, MN 55964 |
* | $ 268,350,000 | 17 | $ 2,585,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 17 | $ 2,895,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 15 | $ 2,885,000 |
| Mayo Employees Federal Credit Union 130 23RD AVE SW ROCHESTER, MN 55902 |
* | $ 955,732,000 | 14 | $ 730,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ -1,000 | 12 | $ 1,760,000 |
| Citizens State Bank 620 MAIN STREET LA CROSSE, WI 54601 |
* | $ 280,047,000 | 12 | $ 3,100,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 11 | $ 2,535,000 |
| Esb Bank 115 N HWY 44/76 CALEDONIA, MN 55921 |
* | $ 111,593,000 | 11 | $ 1,795,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 11 | $ 1,765,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 209,720,480,000 | 11 | $ 1,665,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 11 | $ 395,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 10 | $ 2,100,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 10 | $ 2,730,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 10 | $ 1,530,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 10 | $ 1,240,000 |
| Results Mortgage, LLC 11200 WEST 78TH STREET, SUITE 50 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 8 | $ 1,350,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 900,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 7 | $ 1,045,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 656,158,000 | 7 | $ 815,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,811,622,000 | 7 | $ 1,415,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 7 | $ 1,245,000 |
| Bell Bank 3100 13TH AVE S FARGO, ND 58103 |
* | $ 5,394,695,000 | 7 | $ 1,215,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 7 | $ 1,495,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 7 | $ 1,585,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 930,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 790,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 6 | $ 1,210,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 6 | $ 1,160,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 745,000 |
| First Alliance Credit Union 320 ALLIANCE PL NE ROCHESTER, MN 55904 |
* | $ 193,056,000 | 5 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 5 | $ 885,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 5 | $ 635,000 |
| Minnwest Bank 300 S WASHINGTON REDWOOD FALLS, MN 56283 |
* | $ 1,987,488,000 | 5 | $ 575,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 5 | $ 185,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 5 | $ 845,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 565,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 4 | $ 650,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 4 | $ 970,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 33,604,332,000 | 4 | $ 760,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 365,000 |
| Foresight Bank 138 WEST BROADWAY PLAINVIEW, MN 55964 |
* | $ 245,797,000 | 3 | $ 605,000 |
| Summit Mortgage Corporation 13355 10TH AVE N, SUITE 100 PLYMOUTH, MN 55442 |
* | $ -1,000 | 3 | $ 355,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 805,000 |
| Mortgages Unlimited Inc. 7365 KIRKWOOD COURT NORTH SUITE 300 MAPLE GROVE, MN 55113 |
* | $ -1,000 | 3 | $ 295,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 115,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 3 | $ 365,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 545,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 1,389,689,000 | 3 | $ 305,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 755,000 |
| Co-Op Credit Union 100 E MAIN ST BLACK RIVER FALLS, WI 54615 |
* | $ 337,941,000 | 3 | $ 155,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 635,000 |
| State Bank Financial 401 MAIN ST LA CROSSE, WI 54601 |
* | $ 345,972,000 | 3 | $ 315,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,782,639,000,000 | 3 | $ 165,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 340,000 |
| Governmental Employees Credit Union 225 LA CROSSE ST LA CROSSE, WI 54601 |
* | $ 69,389,000 | 2 | $ 240,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 8,530,262,000 | 2 | $ 210,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 490,000 |
| Coulee Bank 1516 LOSEY BLVD. S. LA CROSSE, WI 54601 |
* | $ 389,173,000 | 2 | $ 230,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 330,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 2 | $ 40,000 |
| Clearpointe Capital, LLC N86W14041 BEACON STREET MENOMONEE FALLS, WI 53051 |
* | $ -1,000 | 2 | $ 50,000 |
| Bluff View Bank 16893 SOUTH MAIN STREET GALESVILLE, WI 54630 |
* | $ 101,129,000 | 2 | $ 470,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 395,677,000 | 2 | $ 530,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 420,000 |
| 1st Community Credit Union 1000 W. WISCONSIN STREET SPARTA, WI 54656 |
* | $ 169,909,000 | 2 | $ 310,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 460,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 786,287,000 | 2 | $ 200,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 220,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 2 | $ 320,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 2 | $ 470,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 2 | $ 600,000 |
| Magnifi Financial Credit Union 20 4TH AVE SE MELROSE, MN 56352 |
* | $ 1,100,060,000 | 2 | $ 230,000 |
| Park Bank National Association 1200 MAIN STREET PO BOX 100 HOLMEN, WI 54636 |
* | $ 55,599,000 | 2 | $ 400,000 |
| River Bank 145 N MAIN ST, P.O. BOX 280 STODDARD, WI 54658 |
* | $ 490,877,000 | 1 | $ 205,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 1 | $ 145,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 1 | $ 105,000 |
| F & M Community Bank, N.A. PO BOX 467 PRESTON, MN 55965 |
* | $ 132,031,000 | 1 | $ 235,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 45,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 175,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 2,390,524,000 | 1 | $ 125,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 268,405,000 | 1 | $ 145,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 302,006,000 | 1 | $ 35,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 105,000 |
| Axia Financial LLC 1120 112TH AVE NE STE 600 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 375,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 225,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ -1,000 | 1 | $ 365,000 |
| Bankvista 125 TWIN RIVERS CT SARTELL, MN 56377 |
* | $ 302,011,000 | 1 | $ 375,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 95,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 245,000 |
| Veridian Credit Union 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 4,145,422,000 | 1 | $ 175,000 |
| Hiway Credit Union 111 EMPIRE DRIVE SAINT PAUL, MN 55103 |
* | $ 1,111,480,000 | 1 | $ 145,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 185,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ -1,000 | 1 | $ 125,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 1 | $ 55,000 |
| Resource Bank, National Association 555 BETHANY ROAD DEKALB, IL 60115 |
* | $ 473,305,000 | 1 | $ 325,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 225,000 |
| Cambria Financial Group 11000 W 78TH STREET, SUITE 300 EDEN PRAIRIE, MN 55344 |
* | $ -1,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 525,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 826,876,000,000 | 1 | $ 295,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 144,960,000 | 1 | $ 255,000 |
| Jlb Corporation dba Golden Oak Lending 111 WESTPORT PLAZA, #1150 ST. LOUIS, MO 63146 |
* | $ -1,000 | 1 | $ 345,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 175,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 829,051,000 | 1 | $ 195,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 225,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 234,032,000,000 | 1 | $ 305,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 155,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 175,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,798,459,000 | 1 | $ 55,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 225,000 |
| Manufacturers Bank & Trust Co 245 EAST J ST, PO BOX 450 FOREST CITY, IA 50436 |
* | $ 347,126,000 | 1 | $ 285,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 185,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 135,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 115,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 578,076,000 | 1 | $ 35,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 135,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| The First National Bank of Bangor 1798 COMMERCIAL ST BANGOR, WI 54614 |
* | $ 230,926,000 | 1 | $ 115,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 245,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 635,000,000 | 1 | $ 305,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 105,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 924,371,000 | 1 | $ 165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 135,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 1,074,501,000 | 1 | $ 165,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,011,136,000 | 1 | $ 215,000 |
| Wnb Financial 204 MAIN ST WINONA, MN 55987 |
* | $ 298,313,000 | 1 | $ 185,000 |
The tables below break down 2019 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 2019
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 | 883 | $140,995,000 | $159,000 | $585,000 | $83,000 | $2,858,000 |
| Refinancing | 593 | $83,115,000 | $140,000 | $1,555,000 | $95,000 | $2,858,000 |
| Cash-out Refinancing | 295 | $47,905,000 | $162,000 | $485,000 | $88,000 | $1,025,000 |
| Other Purpose | 158 | $9,760,000 | $61,000 | $565,000 | $95,000 | $567,000 |
| Home Improvement | 131 | $5,975,000 | $45,000 | $855,000 | $84,000 | $349,000 |
| Not Applicable | 11 | $1,025,000 | $93,000 | $225,000 | $42,000 | $42,000 |
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 | 1,791 | $248,185,000 | $138,000 | $1,555,000 | $89,000 | $2,858,000 |
| Not applicable | 130 | $18,560,000 | $142,000 | $855,000 | $63,000 | $125,000 |
| Not Provided | 102 | $15,600,000 | $152,000 | $525,000 | $96,000 | $623,000 |
| Hispanic | 24 | $2,170,000 | $90,000 | $225,000 | $52,000 | $125,000 |
| Asian | 13 | $1,705,000 | $131,000 | $255,000 | $62,000 | $121,000 |
| Black or African American | 10 | $2,390,000 | $239,000 | $485,000 | $86,000 | $169,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $51,000 | $51,000 |
| 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) | 1,793 | $239,495,000 | $133,000 | $1,555,000 | $91,000 | $2,858,000 |
| FHA-insured (Federal Housing Administration) | 147 | $21,065,000 | $143,000 | $325,000 | $58,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 118 | $26,230,000 | $222,000 | $545,000 | $79,000 | $270,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,985,000 | $152,000 | $215,000 | $58,000 | $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 | 1,486 | $205,100,000 | $138,000 | $1,555,000 | $94,000 | $2,858,000 |
| Application Withdrawn By Applicant | 213 | $33,495,000 | $157,000 | $855,000 | $81,000 | $610,000 |
| Application Denied By Financial Institution | 197 | $22,385,000 | $113,000 | $485,000 | $56,000 | $179,000 |
| Loan Purchased By The Institution | 113 | $18,365,000 | $162,000 | $545,000 | $85,000 | $365,000 |
| File Closed For Incompleteness | 38 | $5,460,000 | $143,000 | $375,000 | $58,000 | $132,000 |
| Application Approved But Not Accepted | 24 | $3,970,000 | $165,000 | $525,000 | $88,000 | $193,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,825 | $258,735,000 | $141,000 | $1,555,000 | $92,000 | $2,858,000 |
| Debt-To-Income Ratio | 115 | $14,705,000 | $127,000 | $485,000 | $64,000 | $166,000 |
| Credit History | 61 | $6,515,000 | $106,000 | $485,000 | $50,000 | $144,000 |
| Collateral | 28 | $2,870,000 | $102,000 | $285,000 | $70,000 | $138,000 |
| Other | 17 | $2,515,000 | $147,000 | $465,000 | $69,000 | $179,000 |
| Credit Application Incomplete | 14 | $1,780,000 | $127,000 | $425,000 | $69,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $835,000 | $167,000 | $305,000 | $72,000 | $137,000 |
| Unverifiable Information | 3 | $395,000 | $131,000 | $185,000 | $45,000 | $94,000 |
| Employment History | 3 | $425,000 | $141,000 | $165,000 | $45,000 | $60,000 |
| 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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