Alger County, MI Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 713 mortgage applications in Alger County, MI totaling $68.0 million, down 24% from 2003. The average application was for $95,000, and applicants reported an average income of $55,000. 36% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank, NA, with 145 applications, followed by Ameriquest Mortgage Company and Associated Mortgage Co, Inc.
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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 | 713 |
| Total Mortgage Loan Application Amount | $68,037,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $512,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $840,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 145 | $ 12,330,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 59 | $ 6,599,000 |
| Associated Mortgage Co, Inc 301 N BROADWAY ST DEPERE, WI 54115 |
* | $ 95,481,778,000 | 59 | $ 5,969,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 33 | $ 2,731,000 |
| Republic Bank 2425 E GRAND RIVER AVE LANSING, MI 48912 |
* | $ 5,336,624,000 | 31 | $ 3,104,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 30 | $ 2,303,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 19 | $ 1,413,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 18 | $ 2,248,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 14 | $ 1,685,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 13 | $ 1,011,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 12 | $ 924,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 12 | $ 1,370,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 12 | $ 859,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 9 | $ 901,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 8 | $ 1,100,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 7 | $ 361,000 |
| Wells Fargo Fin'l America, Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 7 | $ 360,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 6 | $ 650,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 6 | $ 734,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 5 | $ 546,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 5 | $ 856,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 5 | $ 380,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 408,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 5 | $ 395,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 5 | $ 317,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 5 | $ 412,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 5 | $ 603,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 5 | $ 316,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 5 | $ 639,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 5 | $ 439,000 |
| Washtenaw Mortgage Company 3767 RANCHERO DRIVE ANN ARBOR, MI 48108 |
* | $ 130,602,000 | 5 | $ 670,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 5 | $ 404,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 639,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 311,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 4 | $ 476,000 |
| Finance America, LLC 16802 ASTON ST. IRVINE, CA 92606 |
* | $ 10,000,000 | 4 | $ 365,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 514,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 4 | $ 194,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 4 | $ 495,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 11,298,870,000 | 3 | $ 262,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 3 | $ 364,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 5,477,094,000 | 3 | $ 559,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 3 | $ 260,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 3 | $ 727,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 3 | $ 258,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 412,768,000 | 3 | $ 89,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 3 | $ 129,000 |
| Town & Country Credit 2010 MAIN STREET, SUITE 800 IRVINE, CA 92614 |
* | $ 10,000,000 | 3 | $ 181,000 |
| Midwest Loan Solutions, Inc. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 3 | $ 282,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 291,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 259,000 |
| Wells Fargo Finl Wisconsin Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 2 | $ 58,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 436,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 2 | $ 229,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 2 | $ 198,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 7,070,664,000 | 2 | $ 79,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 2 | $ 150,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 104,000 |
| Concorde Acceptance Corporatio 7929 BROOKRIVER DR., SUITE 500 DALLAS, TX 75247 |
* | $ 10,000,000 | 2 | $ 114,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 245,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 147,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 77,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 146,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 1 | $ 80,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 611,144,000 | 1 | $ 98,000 |
| Associated Bank, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 12,705,735,000 | 1 | $ 70,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 1,562,562,000 | 1 | $ 100,000 |
| Crescent Mortgage Company 115 PERIMETER CENTER PLACE STE 285 ATLANTA, GA 30346 |
* | $ 367,510,000 | 1 | $ 167,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 25,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 120,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 160,000 |
| Cco Mortgage 10 TRIPPS LANE RIVERSIDE, RI 02915 |
* | $ 13,985,245,000 | 1 | $ 136,000 |
| Charter One Bank 1215 SUPERIOR AVE CLEVELAND, OH 44114 |
* | $ 42,698,804,000 | 1 | $ 95,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 1 | $ 88,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 294,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 140,000 |
| Homefield Financial, Inc. 410 EXCHANGE, SUITE 100 IRVINE, CA 92602 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Lender Ltd. 7789 EAST MI STATE ROAD 36 WHITMORE LAKE, MI 48189 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 114,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 29,994,124,000 | 1 | $ 75,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 1 | $ 110,000 |
| Investaid Corporation 24315 NORTHWESTERN HWY. SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Irwin Union Bank 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,655,913,000 | 1 | $ 69,000 |
| First Greensboro Home Equity 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 1 | $ 20,000 |
| Greater Acceptance Mortgage Co 940 TOWN & COUNTRY ROAD ORNAGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 126,000 |
| First Place Bank 999 E MAIN ST RAVENNA, OH 44266 |
* | $ 1,652,655,000 | 1 | $ 134,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 120,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 200,000 |
| Specialty Mortgage Corporation 2901 JUAN TABO NE, STE 100 ALBUQUERQUE, NM 87112 |
* | $ 10,000,000 | 1 | $ 94,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 1 | $ 5,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 59,000 |
| Synergy Mortgage Corp. 510 N. VALLEY MILLS DRIVE SUITE 101 WACO, TX 76710 |
* | $ 10,000,000 | 1 | $ 100,000 |
| The Grange Bank 605 SOUTH FRONT STREET, SUITE 100 COLUMBUS, OH 43215 |
* | $ 189,734,000 | 1 | $ 80,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 30,000 |
| Resource Bank 4429 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 864,464,000 | 1 | $ 90,000 |
| Ozaukee Bank N69W5269 COLUMBIA ROAD CEDARBURG, WI 53012 |
* | $ 594,022,000 | 1 | $ 145,000 |
| Pathway Financial,Llc 26100 AMERICAN DRIVE, SUITE 40` SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 40,000 |
| Progressive Mortgage Company 125 S. FIFTH AVE. ANN ARBOR, MI 48104 |
* | $ 327,000,000 | 1 | $ 55,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 1 | $ 76,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 1 | $ 66,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 336,954,000 | 1 | $ 83,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 182,936,000 | 1 | $ 60,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 402,564,000 | 1 | $ 80,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 38,931,000 | 1 | $ 121,000 |
| National City Bank of the Midw 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 20,336,253,000 | 1 | $ 50,000 |
| National City Mortgage Service 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,383,021,000 | 1 | $ 224,000 |
| Millennia Mortgage Corporation 9891 IRVINE CENTER DRIVE, STE. 200 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 241,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Mortgage Services Inc. 2323 N MAYFAIR RD WAUWATOSA, WI 53226 |
* | $ 3,275,979,000 | 1 | $ 118,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 206,104,000 | 1 | $ 200,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 46,276,022,000 | 1 | $ 38,000 |
The tables below break down 2004 mortgage applications in Alger County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Alger County, MI in 2004
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 | 547 | $52,252,000 | $95,000 | $469,000 | $50,000 | $840,000 |
| Home Purchase | 127 | $13,887,000 | $109,000 | $512,000 | $63,000 | $550,000 |
| Home Improvement | 39 | $1,898,000 | $48,000 | $239,000 | $73,000 | $510,000 |
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 | 531 | $50,778,000 | $95,000 | $512,000 | $58,000 | $510,000 |
| Not Provided | 134 | $12,271,000 | $91,000 | $258,000 | $54,000 | $840,000 |
| Not applicable | 28 | $2,951,000 | $105,000 | $301,000 | $10,000 | $133,000 |
| American Indian or Alaskan Native | 7 | $681,000 | $97,000 | $224,000 | $69,000 | $114,000 |
| Asian | 5 | $697,000 | $139,000 | $297,000 | $84,000 | $110,000 |
| Hispanic | 5 | $393,000 | $78,000 | $95,000 | $36,000 | $65,000 |
| Black or African American | 3 | $266,000 | $88,000 | $118,000 | $208,000 | $550,000 |
| 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) | 699 | $67,173,000 | $96,000 | $512,000 | $55,000 | $840,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $520,000 | $65,000 | $92,000 | $25,000 | $50,000 |
| FHA-insured (Federal Housing Administration) | 4 | $283,000 | $70,000 | $100,000 | $46,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 2 | $61,000 | $30,000 | $40,000 | $33,000 | $49,000 |
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 | 258 | $23,100,000 | $89,000 | $378,000 | $65,000 | $550,000 |
| Application Denied By Financial Institution | 169 | $15,805,000 | $93,000 | $506,000 | $55,000 | $840,000 |
| Loan Purchased By The Institution | 110 | $11,132,000 | $101,000 | $301,000 | $27,000 | $178,000 |
| Application Withdrawn By Applicant | 75 | $6,712,000 | $89,000 | $250,000 | $51,000 | $155,000 |
| Application Approved But Not Accepted | 62 | $6,673,000 | $107,000 | $512,000 | $46,000 | $136,000 |
| File Closed For Incompleteness | 39 | $4,615,000 | $118,000 | $258,000 | $74,000 | $431,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 43 | $3,779,000 | $87,000 | $469,000 | $36,000 | $90,000 |
| Collateral | 35 | $3,638,000 | $103,000 | $410,000 | $82,000 | $840,000 |
| Credit History | 22 | $1,517,000 | $68,000 | $200,000 | $53,000 | $216,000 |
| Credit Application Incomplete | 19 | $1,937,000 | $101,000 | $506,000 | $84,000 | $510,000 |
| Debt-To-Income Ratio | 18 | $2,038,000 | $113,000 | $223,000 | $40,000 | $70,000 |
| Employment History | 2 | $198,000 | $99,000 | $100,000 | $24,000 | $25,000 |
| Unverifiable Information | 2 | $184,000 | $92,000 | $130,000 | $43,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $21,000 | $21,000 | $21,000 | $17,000 | $17,000 |
| 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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