Athens County, OH Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 791 mortgage applications in Athens County, OH totaling $111.0 million, up 10% from 2014. The average application was for $140,000, and applicants reported an average income of $64,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was JPMorgan Chase Bank, NA, with 62 applications, followed by Northern Ohio Investment Company 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 | 791 |
| Total Mortgage Loan Application Amount | $110,960,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $509,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 62 | $ 9,133,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 60 | $ 8,166,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 53 | $ 7,575,000 |
| The Citizens Bank of Logan, Ohio 188 WEST MAIN STREET LOGAN, OH 43138 |
* | $ 199,725,000 | 48 | $ 8,119,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,914,758,000 | 43 | $ 6,648,000 |
| The First National Bank of McConnelsville 86 N. KENNEBEC AVENUE, PO BOX 208 MCCONNELSVILLE, OH 43756 |
* | $ 140,444,000 | 32 | $ 3,959,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 2,562,890,000 | 30 | $ 4,836,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 26 | $ 3,827,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 26 | $ 1,756,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 24 | $ 3,258,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 19 | $ 1,507,000 |
| Vinton County National Bank 112 W MAIN ST PO BOX 460 MCARTHUR, OH 45651 |
* | $ 840,834,000 | 17 | $ 1,870,000 |
| Unified Bank 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 399,702,000 | 15 | $ 1,682,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,279,214,000 | 10 | $ 2,455,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 10 | $ 933,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,289,000 |
| Atomic Credit Union, Inc 711 BEAVER CREEK ROAD PIKETON, OH 45661 |
* | $ 228,734,000 | 9 | $ 722,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 8 | $ 1,427,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 8 | $ 713,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 8 | $ 610,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 8 | $ 659,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,446,095,000 | 7 | $ 930,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 700,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 6 | $ 651,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 566,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 6 | $ 805,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,036,491,000 | 6 | $ 818,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 6 | $ 1,119,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 6 | $ 968,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 914,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 556,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 742,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 727,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 5 | $ 799,000 |
| Ohio Valley Bank 420 THIRD AVE GALLIPOLIS, OH 45631 |
* | $ 764,975,000 | 5 | $ 1,378,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 262,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 581,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 245,515,000 | 4 | $ 354,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 4 | $ 189,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 396,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 4 | $ 352,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 527,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 585,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 3 | $ 446,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 3 | $ 266,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 429,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 3 | $ 267,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 3 | $ 728,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 237,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 131,437,000 | 3 | $ 316,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 3 | $ 234,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 334,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 363,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 7,197,993,000 | 3 | $ 412,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 2 | $ 227,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 2 | $ 409,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 2 | $ 45,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 2 | $ 15,000 |
| Merchants National Bank 100 NORTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 639,950,000 | 2 | $ 251,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 197,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 321,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 164,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 172,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 121,000 |
| Union Capital Mortgage Corporation 7676 REYNOLDS ROAD MENTOR, OH 44060 |
* | $ 10,000,000 | 1 | $ 60,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 252,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 70,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ 29,436,748,000 | 1 | $ 183,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 178,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 83,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 246,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 1 | $ 100,000 |
| The American Eagle Mortgage Co 6145 PARK SQUARE DRIVE SUITE 3 LORAIN, OH 44053 |
* | $ 10,000,000 | 1 | $ 160,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ 2,458,000 | 1 | $ 276,000 |
| Standing Stone Bank 137 W. WHEELING ST. LANCASTER, OH 43130 |
* | $ 95,969,000 | 1 | $ 66,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 127,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 187,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 1 | $ 104,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 106,000 |
| Directions Credit Union 5121 WHITEFORD ROAD TOLEDO, OH 43604 |
* | $ 594,529,000 | 1 | $ 39,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 1 | $ 242,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 112,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 1 | $ 242,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 108,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,445,809,000 | 1 | $ 3,000,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 1 | $ 245,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 187,860,000 | 1 | $ 118,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 247,000 |
| Cfbank 3009 SMITH RD SUITE 100 FAIRLAWN, OH 44333 |
* | $ 312,920,000 | 1 | $ 2,800,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,555,971,000 | 1 | $ 274,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 200,000 |
| The Community Bank 113 N FIFTH STREET ZANESVILLE, OH 43701 |
* | $ 378,604,000 | 1 | $ 56,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 1 | $ 83,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Civista Bank 100 EAST WATER ST SANDUSKY, OH 44870 |
* | $ 1,211,212,000 | 1 | $ 10,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 80,000 |
| North Valley Bank PO BOX 1115, 2775 MAYSVILLE PIKE ZANESVILLE, OH 43701 |
* | $ 175,258,000 | 1 | $ 45,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 238,433,000 | 1 | $ 150,000 |
| Peoples State Bank 110 N MAIN ST. PO BOX 111 NEW LEXINGTON, OH 43764 |
* | $ 113,023,000 | 1 | $ 20,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 2,062,881,000 | 1 | $ 282,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 145,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 685,686,000 | 1 | $ 289,000 |
| First Interstate Bank PO BOX 30918 BILLINGS, MT 59116 |
* | $ 8,576,299,000 | 1 | $ 120,000 |
| First Mrchs Bk 200 E. JACKSON ST MUNCIE, IN 47305 |
* | $ 279,420,000 | 1 | $ 234,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 161,483,000 | 1 | $ 65,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 82,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 169,000 |
| Patriot Bank Mortgage 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 511,822,000 | 1 | $ 196,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 901,540,000 | 1 | $ 126,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 182,520,000 | 1 | $ 25,000 |
| Bridge Credit Union 1980 W BROAD ST MAIL STOP #0000 COLUMBUS, OH 43223 |
* | $ 51,559,000 | 1 | $ 64,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,424,901,000 | 1 | $ 280,000 |
| Together Credit Union MICHAEL DOUGHERTY 423 LYNCH STREET, MO 63118 |
* | $ 1,448,393,000 | 1 | $ 89,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,622,355,000 | 1 | $ 27,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 73,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 1 | $ 70,000 |
The tables below break down 2015 mortgage applications in Athens 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 Athens County, OH 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 416 | $58,480,000 | $140,000 | $1,426,000 | $70,000 | $509,000 |
| Refinancing | 313 | $46,719,000 | $149,000 | $3,000,000 | $58,000 | $307,000 |
| Home Improvement | 62 | $5,761,000 | $92,000 | $550,000 | $59,000 | $249,000 |
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 | 648 | $77,265,000 | $119,000 | $600,000 | $68,000 | $509,000 |
| Not applicable | 70 | $23,384,000 | $334,000 | $3,000,000 | $9,000 | $183,000 |
| Not Provided | 44 | $5,745,000 | $130,000 | $274,000 | $74,000 | $277,000 |
| Asian | 12 | $2,262,000 | $188,000 | $281,000 | $137,000 | $490,000 |
| Black or African American | 9 | $1,014,000 | $112,000 | $266,000 | $64,000 | $170,000 |
| Hispanic | 5 | $827,000 | $165,000 | $230,000 | $72,000 | $133,000 |
| American Indian or Alaskan Native | 3 | $463,000 | $154,000 | $181,000 | $60,000 | $75,000 |
| 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) | 558 | $81,769,000 | $146,000 | $3,000,000 | $72,000 | $509,000 |
| FHA-insured (Federal Housing Administration) | 137 | $16,065,000 | $117,000 | $385,000 | $42,000 | $308,000 |
| VA-guaranteed (Veterans Administration) | 75 | $11,025,000 | $147,000 | $505,000 | $53,000 | $490,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $2,101,000 | $100,000 | $160,000 | $40,000 | $76,000 |
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 | 410 | $61,687,000 | $150,000 | $2,800,000 | $74,000 | $509,000 |
| Application Denied By Financial Institution | 156 | $16,640,000 | $106,000 | $440,000 | $58,000 | $498,000 |
| Application Withdrawn By Applicant | 88 | $15,109,000 | $171,000 | $3,000,000 | $58,000 | $495,000 |
| Loan Purchased By The Institution | 83 | $10,721,000 | $129,000 | $385,000 | $37,000 | $190,000 |
| Application Approved But Not Accepted | 28 | $4,658,000 | $166,000 | $1,246,000 | $61,000 | $169,000 |
| File Closed For Incompleteness | 26 | $2,145,000 | $82,000 | $180,000 | $49,000 | $129,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 32 | $3,452,000 | $107,000 | $440,000 | $71,000 | $498,000 |
| Credit History | 21 | $1,884,000 | $89,000 | $266,000 | $58,000 | $121,000 |
| Debt-To-Income Ratio | 21 | $2,354,000 | $112,000 | $264,000 | $42,000 | $125,000 |
| Other | 7 | $453,000 | $64,000 | $141,000 | $36,000 | $76,000 |
| Credit Application Incomplete | 5 | $760,000 | $152,000 | $368,000 | $58,000 | $103,000 |
| Unverifiable Information | 4 | $636,000 | $159,000 | $316,000 | $88,000 | $172,000 |
| Employment History | 2 | $262,000 | $131,000 | $186,000 | $27,000 | $54,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $438,000 | $219,000 | $383,000 | $146,000 | $273,000 |
| 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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