Winston County, AL Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 918 mortgage applications in Winston County, AL totaling $125.3 million, up 11% from 2015. The average application was for $136,000, and applicants reported an average income of $81,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Traders & Farmers Bank, with 144 applications, followed by Vanderbilt Mortgage and Finance, Inc and loanDepot.com 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 | 918 |
| Total Mortgage Loan Application Amount | $125,288,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $704,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,141,000 |
* 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 |
|---|---|---|---|---|
| Traders & Farmers Bank PO BOX 550 HALEYVILLE, AL 35565 |
* | $ 365,670,000 | 144 | $ 9,546,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 61 | $ 3,087,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 48 | $ 7,213,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 40 | $ 8,416,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 36 | $ 2,033,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 32 | $ 7,130,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 27 | $ 2,218,000 |
| Listerhill Credit Union P O BOX 566 SHEFFIELD, AL 35660 |
* | $ 687,956,000 | 24 | $ 1,358,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 23 | $ 5,532,000 |
| First National Bank 341 MILITARY STREET SOUTH HAMILTON, AL 35570 |
* | $ 283,665,000 | 21 | $ 1,503,000 |
| Evabank 1710 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 348,393,000 | 19 | $ 928,000 |
| Premier Bank of the South P.O. BOX 1708 CULLMAN, AL 35055 |
* | $ 159,213,000 | 17 | $ 894,000 |
| Traditions Bank 109 SECOND AVE NW CULLMAN, AL 35055 |
* | $ 299,011,000 | 17 | $ 1,755,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 3,394,000 |
| Synovus Mortgage Corporation 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 27,908,468,000 | 15 | $ 3,769,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 525,826,000 | 11 | $ 1,389,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 11 | $ 1,444,000 |
| Synovus Bank PO BOX 120 COLUMBUS, GA 31902 |
* | $ 28,529,226,000 | 10 | $ 766,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 1,474,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 8 | $ 1,942,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 876,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 8 | $ 1,624,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 8 | $ 1,645,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 8 | $ 1,622,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 8 | $ 1,276,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 7 | $ 1,183,000 |
| Peoples Bank of Alabama 1912 CHEROKEE AVE SW CULLMAN, AL 35055 |
* | $ 651,466,000 | 7 | $ 1,006,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 1,515,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 7 | $ 342,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 6 | $ 617,000 |
| Bank Independent 710 S MONTGOMERY AVE SHEFFIELD, AL 35660 |
* | $ 1,229,510,000 | 6 | $ 1,123,000 |
| Willow Bend Mortgage Company, LLC 5800 W PLANO PKWY STE 105 PLANO, TX 75093 |
* | $ 22,642,000 | 6 | $ 981,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 6 | $ 363,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ 3,300,000,000 | 5 | $ 730,000 |
| Servisfirst Bank 2500 WOODCREST PLACE BIRMINGHAM, AL 35209 |
* | $ 5,095,134,000 | 5 | $ 1,897,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 880,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ 10,000,000 | 5 | $ 633,000 |
| First Partners Bank PO BOX 660627 BIRMINGHAM, AL 35205 |
* | $ 242,234,000 | 4 | $ 721,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 4 | $ 1,000,000 |
| Hometrust Mortgage Company 5353 W ALABAMA, SUITE 500 HOUSTON, TX 77056 |
* | $ 10,000,000 | 4 | $ 542,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 4 | $ 1,021,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 888,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 4 | $ 742,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 877,000 |
| BBVA USA 15 SOUTH 20TH ST BIRMINGHAM, AL 35233 |
* | $ 85,426,845,000 | 4 | $ 704,000 |
| West Alabama Bank & Trust P O BOX 310 REFORM, AL 35481 |
* | $ 564,519,000 | 4 | $ 1,026,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 372,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 3 | $ 445,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 3 | $ 320,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 749,000 |
| Cadence Bank, N.A. 2100 3RD AVE N BIRMINGHAM, AL 35203 |
* | $ 8,790,472,000 | 3 | $ 807,000 |
| Southern Energy Credit Union 750 17TH STREET NORTH BIRMINGHAM, AL 35203 |
* | $ 2,599,286,000 | 3 | $ 438,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 860,000 |
| Southpoint Bank 3501 GRANDVIEW PARKWAY BIRMINGHAM, AL 35243 |
* | $ 227,770,000 | 3 | $ 727,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 819,504,000 | 3 | $ 696,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 3 | $ 598,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 3 | $ 565,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 3 | $ 148,000 |
| Cb&S Bank 200 JACKSON AVE. S. RUSSELLVILLE, AL 35653 |
* | $ 1,515,162,000 | 3 | $ 193,000 |
| Alabama Central 3601 4TH AVE S BIRMINGHAM, AL 35222 |
* | $ 136,559,000 | 3 | $ 231,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 482,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 560,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 3 | $ 1,016,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 3 | $ 553,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 3 | $ 511,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 2 | $ 563,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 302,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 316,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 2 | $ 346,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ 243,894,000 | 2 | $ 200,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 540,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,569,849,000 | 2 | $ 615,000 |
| Alatrust Credit Union 1810 MERCHANTS DRIVE HOOVER, AL 35244 |
* | $ 132,552,000 | 2 | $ 145,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 319,000 |
| Fidelity Bank 3 CORPORATE BLVD NE ATLANTA, GA 30329 |
* | $ 3,845,946,000 | 2 | $ 620,000 |
| Security Federal Savings Bank 301 THIRD AVENUE JASPER, AL 35501 |
* | $ 39,600,000 | 2 | $ 344,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 2 | $ 483,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 18,900,720,000 | 1 | $ 409,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,227,852,000 | 1 | $ 60,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 210,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 1,267,342,000 | 1 | $ 178,000 |
| Independent Bank 5050 POPLAR AVENUE STE 2100 MEMPHIS, TN 38157 |
* | $ 972,298,000 | 1 | $ 326,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,580,860,000 | 1 | $ 252,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 109,752,000 | 1 | $ 80,000 |
| Bank of the Ozarks PO BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 9,870,373,000 | 1 | $ 330,000 |
| Apci Federal Credit Union PO BOX 20147 LEHIGH VALLEY, PA 18002 |
* | $ 529,279,000 | 1 | $ 4,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 436,000 |
| Bank of Little Rock Mortgage Corporation 15909 CANTRELL ROAD LITTLE ROCK, AR 72223 |
* | $ 205,378,000 | 1 | $ 103,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 2,748,259,000 | 1 | $ 22,000 |
| First US Bank P O BOX 249 BIRMINGHAM, AL 35243 |
* | $ 575,534,000 | 1 | $ 400,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 15,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 5,592,561,000 | 1 | $ 264,000 |
| First State Bank of the South, Inc. P.O. BOX 596, 5856 HWY 278 SULLIGENT, AL 35586 |
* | $ 97,069,000 | 1 | $ 303,000 |
| The Old Point National Bank of Phoebus 1 W MELLEN STREET HAMPTON, VA 23669 |
* | $ 891,877,000 | 1 | $ 101,000 |
| Valley State Bank 15565 HWY 43 RUSSELLVILLE, AL 35653 |
* | $ 123,566,000 | 1 | $ 38,000 |
| Bank of Walker County P O BOX 3107 JASPER, AL 35502 |
* | $ 70,840,000 | 1 | $ 113,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 907,851,000 | 1 | $ 300,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 57,000 |
| Silverton Mortgage Specialists, Inc. 1201 PEACHTREE STREET NE STE 2050 ATLANTA, GA 30361 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 1 | $ 75,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 340,713,000 | 1 | $ 225,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 903,318,000 | 1 | $ 395,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ 7,606,000 | 1 | $ 599,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Community Bank, North Mississippi P. O. BOX 270 AMORY, MS 38821 |
* | $ 523,128,000 | 1 | $ 434,000 |
| Assurance Financial Group, L.L.C. 9029 JEFFERSON HIGHWAY SUITE 100 BATON ROUGE, LA 70809 |
* | $ 1,000,000,000 | 1 | $ 134,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ 4,609,426,188,000 | 1 | $ 340,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 231,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 35,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 150,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 1 | $ 135,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 310,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 1 | $ 247,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 1 | $ 174,000 |
| Alabama Credit Union 220 PAUL W. BRYANT DR. E. TUSCALOOSA, AL 35486 |
* | $ 687,258,000 | 1 | $ 357,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 170,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 395,000 |
| Plainscapital Bank 6565 HILLCREST AVE DALLAS, TX 75205 |
* | $ 8,764,654,000 | 1 | $ 436,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,951,154,000 | 1 | $ 159,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 125,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 173,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 225,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 417,000 |
| Progress Bank and Trust 201 WILLIAMS AVENUE HUNTSVILLE, AL 35801 |
* | $ 635,254,000 | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 284,507,000 | 1 | $ 276,000 |
| Tib the Independent Bankersban 11701 LUNA ROAD FARMERS BRANCH, TX 75234 |
* | $ 2,565,602,000 | 1 | $ 96,000 |
The tables below break down 2016 mortgage applications in Winston County, AL by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Winston County, AL in 2016
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 | 440 | $53,133,000 | $120,000 | $512,000 | $78,000 | $1,141,000 |
| Refinancing | 433 | $69,682,000 | $160,000 | $704,000 | $84,000 | $804,000 |
| Home Improvement | 45 | $2,473,000 | $54,000 | $315,000 | $79,000 | $228,000 |
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 | 785 | $105,123,000 | $133,000 | $704,000 | $85,000 | $1,141,000 |
| Not Provided | 51 | $7,765,000 | $152,000 | $417,000 | $89,000 | $443,000 |
| Not applicable | 50 | $9,437,000 | $188,000 | $599,000 | $21,000 | $290,000 |
| Hispanic | 17 | $1,304,000 | $76,000 | $301,000 | $51,000 | $181,000 |
| American Indian or Alaskan Native | 9 | $669,000 | $74,000 | $175,000 | $48,000 | $116,000 |
| Asian | 4 | $902,000 | $225,000 | $320,000 | $140,000 | $165,000 |
| Black or African American | 1 | $48,000 | $48,000 | $48,000 | $23,000 | $23,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $21,000 | $21,000 |
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) | 709 | $94,593,000 | $133,000 | $704,000 | $92,000 | $1,141,000 |
| FHA-insured (Federal Housing Administration) | 110 | $13,792,000 | $125,000 | $276,000 | $40,000 | $174,000 |
| VA-guaranteed (Veterans Administration) | 73 | $14,495,000 | $198,000 | $417,000 | $51,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,408,000 | $92,000 | $239,000 | $31,000 | $81,000 |
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 | 496 | $68,606,000 | $138,000 | $600,000 | $96,000 | $1,141,000 |
| Application Denied By Financial Institution | 200 | $20,716,000 | $103,000 | $560,000 | $54,000 | $400,000 |
| Application Withdrawn By Applicant | 73 | $14,834,000 | $203,000 | $704,000 | $93,000 | $628,000 |
| Loan Purchased By The Institution | 62 | $11,989,000 | $193,000 | $599,000 | $34,000 | $290,000 |
| File Closed For Incompleteness | 51 | $4,737,000 | $92,000 | $650,000 | $58,000 | $240,000 |
| Application Approved But Not Accepted | 36 | $4,406,000 | $122,000 | $450,000 | $110,000 | $887,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 29 | $1,521,000 | $52,000 | $135,000 | $42,000 | $98,000 |
| Debt-To-Income Ratio | 18 | $1,958,000 | $108,000 | $225,000 | $45,000 | $174,000 |
| Collateral | 13 | $1,816,000 | $139,000 | $325,000 | $107,000 | $400,000 |
| Credit Application Incomplete | 6 | $1,189,000 | $198,000 | $560,000 | $58,000 | $126,000 |
| Other | 6 | $1,055,000 | $175,000 | $560,000 | $54,000 | $163,000 |
| Unverifiable Information | 2 | $544,000 | $272,000 | $315,000 | $124,000 | $158,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $37,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $40,000 | $40,000 | $40,000 | $21,000 | $21,000 |
| 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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