Adams County, OH Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,167 mortgage applications in Adams County, OH totaling $152.6 million, up 9% from 2020. The average application was for $130,000, and applicants reported an average income of $72,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was First State Bank, with 162 applications, followed by Fifth Third Bank, National Association and US Bank, N.A..

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,167
Total Mortgage Loan Application Amount $152,595,000
Average Mortgage Loan Application Amount $130,000
Highest Mortgage Loan Application Amount $685,000
Average Applicant Income $72,000
Highest Applicant Income $992,000

Mortgage Company List for Lending in Adams County, OH for 2021

* 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
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 494,299,000 162 $ 19,850,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 161 $ 14,345,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 53 $ 5,865,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 44 $ 6,610,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 38 $ 4,060,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 35 $ 5,235,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 33 $ 4,475,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 29 $ 4,615,000
Southern Hills Community Bank
45 E. MAIN ST.
LEESBURG, OH 45135
* $ 160,712,000 27 $ 3,175,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,034,678,000 25 $ 3,735,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 21 $ 3,145,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 1,965,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 14 $ 1,240,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 13 $ 2,175,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 13 $ 1,835,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 13 $ 1,275,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 1,450,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 1,790,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 11 $ 2,255,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,140,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 5,091,929,000 9 $ 1,195,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 9 $ 975,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 3,361,620,000 9 $ 1,245,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,610,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 8 $ 1,160,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 8 $ 1,090,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 8 $ 800,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 1,055,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 7 $ 1,065,000
Merchants National Bank
100 NORTH HIGH STREET
HILLSBORO, OH 45133
* $ 933,467,000 7 $ 1,225,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 1,140,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 6 $ 1,040,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 690,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 680,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 540,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 6 $ 660,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 6 $ 770,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,344,716,000 5 $ 625,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 5 $ 725,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 5 $ 905,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 5 $ 835,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 414,199,000 5 $ 495,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 575,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 845,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 510,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 720,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 90,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 4 $ 560,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 4 $ 410,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 4 $ 810,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 4 $ 750,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 4 $ 650,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 420,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 700,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 570,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,079,626,000 4 $ 460,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 3 $ 345,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 375,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 3 $ 375,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 415,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 15,674,361,000 3 $ 865,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 8,528,848,000 3 $ 405,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 3 $ 545,000
Sharefax Credit Union
1147 OLD STATE ROUTE 74
CINCINNATI, OH 45245
* $ 397,194,000 3 $ 275,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 625,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 425,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 3 $ 445,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 415,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 505,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 3 $ 335,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 575,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 315,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 665,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 335,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 14,434,311,000 2 $ 190,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 270,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 280,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 320,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 2 $ 220,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 310,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 304,797,000 2 $ 150,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 120,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 2 $ 570,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 2 $ 140,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 182,584,000 2 $ 200,000
Atomic Credit Union, Inc
711 BEAVER CREEK ROAD
PIKETON, OH 45661
* $ 349,388,000 2 $ 330,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 2 $ 660,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 180,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 3,439,822,000 2 $ 560,000
Cincinnati Federal
6581 HARRISON AVE
CINCINNATI, OH 45247
* $ 241,951,000 2 $ 380,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 997,561,000 2 $ 220,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 480,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 380,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 225,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 85,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 7,508,575,000 1 $ 25,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 185,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 285,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 135,000
Ohio Catholic Federal Credit Union
13623 ROCKSIDE RD.
GARFIELD HEIGHTS, OH 44125
* $ 176,902,000 1 $ 35,000
Peoples Bank of Kentucky, Inc
106 S MAIN CROSS ST
FLEMINGSBURG, KY 41041
* $ -1,000 1 $ 35,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 1 $ 135,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ 1,007,593,000 1 $ 205,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 215,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 3,255,099,000 1 $ 175,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 345,000
Eagle.Bank
6415 BRIDGETOWN ROAD
CINCINNATI, OH 45248
* $ 142,769,000 1 $ 75,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 85,000
A Mortgage Boutique, LLC
1574 MEDICAL CENTER PKWY SUITE 101
MURFREESBORO, TN 37129
* $ -1,000 1 $ 405,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 1 $ 55,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 175,000
National Cooperative Bank, N.A.
139 SOUTH HIGH STREET
HILLSBORO, OH 45133
* $ 2,695,854,000 1 $ 105,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 115,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 75,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,847,190,000 1 $ 85,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 105,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 375,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 125,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 423,716,000 1 $ 65,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 125,000
Union Capital Mortgage Corp
26021 CENTER RIDGE ROAD
WESTLAKE, OH 44145
* $ -1,000 1 $ 155,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 85,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 255,000
Centerbank
744 STATE ROUTE 28
MILFORD, OH 45150
* $ 224,827,000 1 $ 305,000
Homeland Credit Union
310 CALDWELL ST
CHILLICOTHE, OH 45601
* $ 452,577,000 1 $ 205,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 85,000
Cincinnati Ohio Police Federal Credit Union
959 W 8TH STREET
CINCINNATI, OH 45203
* $ 125,791,000 1 $ 45,000
Compeer Financial
2600 JENNY WREN TRAIL
SUN PRAIRIE, WI 53590
* $ -1,000 1 $ 35,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,611,084,000 1 $ 115,000
Valley Central Bank
6550 PRINCETON GLENDALE ROAD LIBERTY TOWNSHIP
CINCINNATI, OH 45215
* $ 152,116,000 1 $ 185,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 155,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 3,614,957,000 1 $ 165,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 145,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 1 $ 75,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 205,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 245,000
First State Bank
113 W. NORTH WATER ST.
NEW LONDON, WI 54961
* $ 299,849,000 1 $ 125,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 135,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 275,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 585,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 3,921,403,000 1 $ 175,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 65,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 105,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 65,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ 3,740,508,000 1 $ 245,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 1 $ 685,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ 203,154,000 1 $ 55,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 125,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ 90,047,000 1 $ 15,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 135,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ 141,777,000 1 $ 95,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 498,507,000 1 $ 25,000

The tables below break down 2021 mortgage applications in Adams County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Adams County, OH in 2021

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 527 $76,975,000 $146,000 $685,000 $68,000 $784,000
Refinancing 334 $41,630,000 $124,000 $465,000 $72,000 $546,000
Cash-out Refinancing 218 $27,980,000 $128,000 $545,000 $69,000 $261,000
Other Purpose 47 $3,665,000 $77,000 $325,000 $111,000 $992,000
Home Improvement 33 $1,695,000 $51,000 $205,000 $71,000 $194,000
Not Applicable 8 $650,000 $81,000 $125,000 $0 $0

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 952 $120,280,000 $126,000 $435,000 $69,000 $784,000
Not Provided 100 $14,900,000 $149,000 $545,000 $97,000 $992,000
Not applicable 97 $15,315,000 $157,000 $685,000 $119,000 $136,000
American Indian or Alaskan Native 8 $690,000 $86,000 $165,000 $65,000 $126,000
Hispanic 6 $1,010,000 $168,000 $325,000 $70,000 $104,000
Black or African American 4 $400,000 $100,000 $165,000 $101,000 $217,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Asian 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) 761 $95,405,000 $125,000 $685,000 $79,000 $992,000
FHA-insured (Federal Housing Administration) 224 $30,040,000 $134,000 $345,000 $52,000 $155,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 92 $12,770,000 $138,000 $265,000 $44,000 $90,000
VA-guaranteed (Veterans Administration) 90 $14,380,000 $159,000 $435,000 $59,000 $245,000

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 638 $88,100,000 $138,000 $685,000 $75,000 $992,000
Application Denied By Financial Institution 172 $17,780,000 $103,000 $405,000 $64,000 $784,000
Application Withdrawn By Applicant 144 $18,620,000 $129,000 $545,000 $69,000 $250,000
Loan Purchased By The Institution 95 $14,215,000 $149,000 $585,000 $119,000 $136,000
File Closed For Incompleteness 86 $10,480,000 $121,000 $465,000 $73,000 $546,000
Application Approved But Not Accepted 31 $3,335,000 $107,000 $285,000 $60,000 $166,000
Preapproval Approved but not Accepted 1 $65,000 $65,000 $65,000 $41,000 $41,000
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 984 $133,330,000 $135,000 $685,000 $73,000 $992,000
Debt-To-Income Ratio 48 $6,220,000 $129,000 $405,000 $53,000 $178,000
Credit History 45 $3,605,000 $80,000 $265,000 $81,000 $784,000
Collateral 37 $3,815,000 $103,000 $355,000 $64,000 $232,000
Other 25 $2,285,000 $91,000 $205,000 $77,000 $370,000
Credit Application Incomplete 17 $1,885,000 $110,000 $285,000 $51,000 $96,000
Unverifiable Information 4 $500,000 $125,000 $165,000 $47,000 $83,000
Insufficient Cash (Downpayment, Closing Cost) 4 $560,000 $140,000 $215,000 $88,000 $180,000
Employment History 3 $395,000 $131,000 $225,000 $76,000 $128,000
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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