Yadkin County, NC Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 1,096 mortgage applications in Yadkin County, NC totaling $123.3 million, up 7% from 2014. The average application was for $112,000, and applicants reported an average income of $58,000. 46% of applications resulted in an originated loan and 27% were denied. The most active lender was State Employees' Credit Union, with 109 applications, followed by Wells Fargo Bank NA and Truist 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 | 1,096 |
| Total Mortgage Loan Application Amount | $123,292,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $5,000,000 |
* 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 |
|---|---|---|---|---|
| State Employees' Credit Union P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 29,477,544,000 | 109 | $ 12,520,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 100 | $ 10,331,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 76 | $ 7,611,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 73 | $ 591,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 70 | $ 5,683,000 |
| Yadkin Bank 325 EAST FRONT STREET STATESVILLE, NC 28677 |
* | $ 4,260,974,000 | 36 | $ 4,289,000 |
| Carolina Farm Credit, Aca P O BOX 1827 STATESVILLE, NC 28625 |
* | $ 10,000,000 | 35 | $ 5,351,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 34 | $ 4,961,000 |
| Allegacy Federal Credit Union P O BOX 26043 WINSTON SALEM, NC 27114 |
* | $ 1,085,027,000 | 29 | $ 3,699,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 29 | $ 1,140,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 22 | $ 2,682,000 |
| Civic FCU P.O. DRAWER 25279 RALEIGH, NC 27609 |
* | $ 1,458,059,000 | 21 | $ 2,142,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 19 | $ 2,762,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 19 | $ 2,302,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 19 | $ 2,773,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,770,509,000 | 17 | $ 1,586,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 2,476,000 |
| First Ciitizens Bank and Trust 4300 SIX FORKS ROAD FCC 21 RALEIGH, NC 27603 |
* | $ 21,553,919,000 | 15 | $ 1,441,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,511,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 13 | $ 1,583,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 12 | $ 1,137,000 |
| First Tn Bk NA 333 FAYETTEVILLE ST RALEIGH, NC 27601 |
* | $ 6,830,545,000 | 12 | $ 1,098,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 11 | $ 1,418,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,714,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 1,025,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 928,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,584,917,000 | 8 | $ 474,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 7 | $ 1,061,000 |
| Piedmont Federal Savings Bank 201 SOUTH STRATFORD ROAD WINSTON SALEM, NC 27103 |
* | $ 920,117,000 | 7 | $ 901,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 979,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 7 | $ 639,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 909,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 6 | $ 469,000 |
| American Security Mortgage Cor 2101 REXFORD RD. SUITE 100E CHARLOTTE, NC 28207 |
* | $ 10,000,000 | 6 | $ 1,092,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 485,000 |
| Allen Tate Mortgage Services, 8640 UNIVERSITY EXECUTIVE PARK DR CHARLOTTE, NC 28262 |
* | $ 10,000,000 | 6 | $ 925,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 435,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 5 | $ 626,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 4 | $ 295,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 1,145,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 4 | $ 450,000 |
| Wr Starkey Mortgage LLP 6101 WEST PLANO PARKWAY PLANO, TX 75093 |
* | $ 10,000,000 | 4 | $ 1,119,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 4 | $ 308,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 478,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 878,000 |
| Summit Credit Union 8210 WEST MARKET ST GREENSBORO, NC 27409 |
* | $ 158,206,000 | 4 | $ 183,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ 15,000,000 | 4 | $ 1,060,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 3 | $ 254,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 679,799,000 | 3 | $ 727,000 |
| Amerisouth Mortgage Company 2101 SARDIS RD N STE 120 CHARLOTTE, NC 28227 |
* | $ 10,000,000 | 3 | $ 278,000 |
| Piedmont Advantage Credit Unio 3530 ADVANTAGE WAY WINSTON SALEM, NC 27103 |
* | $ 301,208,000 | 3 | $ 233,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 674,100,000 | 3 | $ 273,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 3 | $ 277,000 |
| Hamilton Home Loans, Inc. 1551 SAWGRASS CORPORATE PARKWAY, STE 300 SUNRISE, FL 33323 |
* | $ 10,000,000 | 3 | $ 286,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 3 | $ 428,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 500,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 3 | $ 268,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 3 | $ 524,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 220,000 |
| Bank of North Carolina 3980 PREMIER DR. STE 150 HIGH POINT, NC 27265 |
* | $ 4,069,900,000 | 3 | $ 1,403,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 2 | $ 366,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 2 | $ 117,000 |
| Southern Bank and Trust Compan PO BOX 729 MT OLIVE, NC 28365 |
* | $ 2,181,013,000 | 2 | $ 270,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 2 | $ 417,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 2 | $ 19,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 7,827,707,000 | 2 | $ 193,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ 17,900,000 | 2 | $ 221,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 185,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 344,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 2 | $ 496,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 2 | $ 137,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 421,354,000 | 2 | $ 186,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 2 | $ 546,000 |
| Cmc Funding, Inc. 814 A1A NORTH, STE. 303 PONTE VEDRA BEACH, FL 32082 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 493,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 102,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 593,777,000 | 1 | $ 137,000 |
| Carter Bank and Trust PO BOX 3748 MARTINSVILLE, VA 24112 |
* | $ 4,629,941,000 | 1 | $ 78,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 1 | $ 126,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 100,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 1 | $ 139,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 92,000 |
| Bank of the Carolinas 135 BOXWOOD VILLAGE DR MOCKSVILLE, NC 27028 |
* | $ 423,494,000 | 1 | $ 120,000 |
| Peoples Bank 518 WEST C STREET NEWTON, NC 28658 |
* | $ 1,038,366,000 | 1 | $ 130,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 1,112,478,000 | 1 | $ 143,000 |
| Latino Community Credit Union P.O. DRAWER 25279 DURHAM, NC 27709 |
* | $ 151,199,000 | 1 | $ 53,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 727,891,000 | 1 | $ 109,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 244,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 96,000 |
| First Mortgage Company, L.L.C. 6701 NORTH BROADWAY, SUITE 400 OKLAHOMA CITY, OK 73116 |
* | $ 28,000,000 | 1 | $ 146,000 |
| Union Mortgage Group, Inc. 1051 EAST CARY STREET, SUITE 1200 RICHMOND, VA 23219 |
* | $ 7,333,085,000 | 1 | $ 247,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 228,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 138,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 120,000 |
| United Community Bank PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 7,530,159,000 | 1 | $ 85,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,148,005,000 | 1 | $ 353,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 283,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 181,000 |
| First Direct Lending LLC 15261 LAGUNA CANYON ROAD, SUITE 200 IRVINE, CA 92618 |
* | $ 0 | 1 | $ 91,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ 29,436,748,000 | 1 | $ 145,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 1 | $ 177,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Alpha Mortgage Corporation 1013 ASHES DRIVE WILMINGTON, NC 28405 |
* | $ 32,680,000 | 1 | $ 73,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 367,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 127,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 1,229,885,000 | 1 | $ 48,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 63,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 159,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 1 | $ 100,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,036,491,000 | 1 | $ 305,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 101,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 27,356,000,000 | 1 | $ 120,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 55,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 231,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 1 | $ 150,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Taylorsville Savings Bank, SSB 107 MAIN AVE DR TAYLORSVILLE, NC 28681 |
* | $ 92,904,000 | 1 | $ 396,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,944,176,000 | 1 | $ 310,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 1 | $ 116,000 |
| First Horizon Bank 165 MADISON AVE 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 25,462,316,000 | 1 | $ 800,000 |
The tables below break down 2015 mortgage applications in Yadkin County, NC by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Yadkin County, NC 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 | 498 | $64,266,000 | $129,000 | $1,100,000 | $58,000 | $348,000 |
| Home Purchase | 469 | $55,925,000 | $119,000 | $800,000 | $63,000 | $5,000,000 |
| Home Improvement | 129 | $3,101,000 | $24,000 | $171,000 | $43,000 | $220,000 |
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 | 869 | $98,187,000 | $112,000 | $800,000 | $64,000 | $5,000,000 |
| Not applicable | 75 | $10,328,000 | $137,000 | $1,100,000 | $10,000 | $138,000 |
| Not Provided | 75 | $8,711,000 | $116,000 | $353,000 | $49,000 | $150,000 |
| Hispanic | 43 | $3,442,000 | $80,000 | $153,000 | $36,000 | $84,000 |
| Black or African American | 25 | $1,725,000 | $69,000 | $330,000 | $43,000 | $90,000 |
| American Indian or Alaskan Native | 5 | $449,000 | $89,000 | $214,000 | $64,000 | $143,000 |
| Asian | 3 | $378,000 | $126,000 | $225,000 | $65,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $72,000 | $72,000 | $72,000 | $242,000 | $242,000 |
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) | 781 | $80,788,000 | $103,000 | $1,100,000 | $65,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 167 | $19,531,000 | $116,000 | $412,000 | $35,000 | $120,000 |
| VA-guaranteed (Veterans Administration) | 94 | $16,946,000 | $180,000 | $474,000 | $57,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $6,027,000 | $111,000 | $184,000 | $26,000 | $66,000 |
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 | 501 | $61,718,000 | $123,000 | $1,100,000 | $73,000 | $5,000,000 |
| Application Denied By Financial Institution | 291 | $25,252,000 | $86,000 | $421,000 | $47,000 | $348,000 |
| Loan Purchased By The Institution | 96 | $13,084,000 | $136,000 | $474,000 | $24,000 | $166,000 |
| Application Withdrawn By Applicant | 94 | $11,503,000 | $122,000 | $396,000 | $59,000 | $204,000 |
| File Closed For Incompleteness | 84 | $7,762,000 | $92,000 | $425,000 | $47,000 | $131,000 |
| Application Approved But Not Accepted | 30 | $3,973,000 | $132,000 | $261,000 | $54,000 | $122,000 |
| 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 | 76 | $3,117,000 | $41,000 | $195,000 | $42,000 | $203,000 |
| Debt-To-Income Ratio | 42 | $3,001,000 | $71,000 | $312,000 | $44,000 | $220,000 |
| Collateral | 34 | $4,019,000 | $118,000 | $256,000 | $60,000 | $158,000 |
| Other | 15 | $1,602,000 | $106,000 | $216,000 | $51,000 | $158,000 |
| Credit Application Incomplete | 8 | $1,085,000 | $135,000 | $380,000 | $59,000 | $192,000 |
| Unverifiable Information | 3 | $220,000 | $73,000 | $116,000 | $80,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $266,000 | $88,000 | $140,000 | $43,000 | $74,000 |
| Employment History | 1 | $26,000 | $26,000 | $26,000 | $31,000 | $31,000 |
| 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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