Athens County, OH Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 966 mortgage applications in Athens County, OH totaling $137.2 million, up 22% from 2015. The average application was for $142,000, and applicants reported an average income of $69,000. 51% of applications resulted in an originated loan and 20% were denied. The most active lender was Northern Ohio Investment Company, with 81 applications, followed by JPMorgan Chase Bank, NA 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 966
Total Mortgage Loan Application Amount $137,175,000
Average Mortgage Loan Application Amount $142,000
Highest Mortgage Loan Application Amount $7,000,000
Average Applicant Income $69,000
Highest Applicant Income $694,000

Mortgage Company List for Lending in Athens County, OH for 2016

* 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
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 81 $ 10,725,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 80 $ 11,601,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 56 $ 7,369,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,236,717,000 52 $ 5,802,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 3,249,718,000 51 $ 5,739,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 50 $ 6,742,000
The First National Bank of McConnelsville
86 N. KENNEBEC AVENUE, PO BOX 208
MCCONNELSVILLE, OH 43756
* $ 138,285,000 44 $ 3,983,000
The Citizens Bank of Logan, Ohio
188 WEST MAIN STREET
LOGAN, OH 43138
* $ 181,615,000 40 $ 9,306,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 23 $ 1,927,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ 866,359,000 19 $ 1,778,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 18 $ 2,493,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 15 $ 1,937,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 780,955,000 15 $ 3,348,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 13 $ 2,135,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 13 $ 797,000
Unified Bank
201 S 4TH STREET
MARTINS FERRY, OH 43935
* $ 402,562,000 13 $ 832,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 8,452,898,000 11 $ 10,534,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 11 $ 1,381,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 11 $ 2,055,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,652,711,000 10 $ 1,091,000
Atomic Credit Union, Inc
711 BEAVER CREEK ROAD
PIKETON, OH 45661
* $ 245,435,000 9 $ 659,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,205,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 9 $ 1,627,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 8 $ 113,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 8 $ 788,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 7 $ 1,301,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 7 $ 739,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 7 $ 1,072,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 1,066,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 6 $ 507,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 6 $ 743,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 1,124,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 982,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 456,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 5 $ 540,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 5 $ 556,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 231,139,000 5 $ 386,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 5 $ 759,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 5 $ 575,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 4 $ 471,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 4 $ 628,000
North Valley Bank
PO BOX 1115, 2775 MAYSVILLE PIKE
ZANESVILLE, OH 43701
* $ 188,873,000 4 $ 190,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 4 $ 558,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ 2,458,000 3 $ 769,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 387,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 234,265,000 3 $ 316,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 3 $ 446,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 3 $ 402,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 3 $ 245,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 264,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 3 $ 248,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 3 $ 522,000
West Virginia Central CU
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 146,624,000 3 $ 225,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 3 $ 394,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ 10,000,000 2 $ 275,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 230,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 320,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 2 $ 268,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 2 $ 267,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 12,356,237,000 2 $ 221,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 27,567,209,000 2 $ 497,000
Riverview Credit Union Inc
403 MAIN STREET
BELPRE, OH 45714
* $ 49,988,000 2 $ 71,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 210,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 165,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 556,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 2 $ 197,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 196,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 147,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 2 $ 448,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 2 $ 198,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 369,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 2 $ 126,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 2 $ 319,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 101,000
Peoples State Bank
110 N MAIN ST. PO BOX 111
NEW LEXINGTON, OH 43764
* $ 117,630,000 1 $ 65,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 77,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 1 $ 74,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 1 $ 209,000
The Middlefield Banking Company
15985 E HIGH ST. PO BOX 35
MIDDLEFIELD, OH 44062
* $ 733,329,000 1 $ 180,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 93,038,275,000 1 $ 10,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 183,138,215,000 1 $ 80,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 30,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 104,121,677,000 1 $ 209,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 115,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 76,000
Seven Seventeen Credit Union
3181 LARCHMONT AVE.
WARREN, OH 44483
* $ 901,712,000 1 $ 68,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 220,279,000 1 $ 45,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 1 $ 247,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ 10,000,000 1 $ 2,674,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 51,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 1 $ 129,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 108,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 41,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 313,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 84,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 81,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 58,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 1 $ 318,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 40,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 1,028,000 1 $ 105,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 235,164,000 1 $ 229,000
Telhio Credit Union, Inc.
96 N. 4TH STREET
COLUMBUS, OH 43215
* $ 572,394,000 1 $ 181,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 1 $ 36,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 192,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 110,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 243,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 731,365,000 1 $ 157,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 112,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 163,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 77,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,502,221,000 1 $ 221,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 6,744,662,000 1 $ 195,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 986,247,000 1 $ 30,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 5,346,724,000 1 $ 41,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 1 $ 186,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 63,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 1 $ 18,000
Bmi Federal Credit Union
6165 EMERALD PARKWAY
DUBLIN, OH 43016
* $ 430,997,000 1 $ 136,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 1 $ 80,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,613,141,000 1 $ 133,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 1 $ 190,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 1 $ 89,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 7,347,353,000 1 $ 170,000
American Savings Bank, FSB
503 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 256,743,000 1 $ 110,000
Talmer B&Tc
2301 W BIG BEAVER RD
TROY, MI 48084
* $ 6,586,459,000 1 $ 277,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 1 $ 300,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 26,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 1,279,353,000 1 $ 120,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 82,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 198,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 1 $ 55,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 129,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ 3,300,000,000 1 $ 137,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 261,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 1 $ 221,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 86,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 8,673,604,000 1 $ 155,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 243,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 1 $ 65,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ 2,409,126,000 1 $ 115,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 1 $ 142,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 1 $ 198,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ 10,000,000 1 $ 127,000
Kingston National Bank
2 NORTH MAIN STREET, POST OFFICE BOX 613
KINGSTON, OH 45644
* $ 264,918,000 1 $ 45,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 4,222,641,000 1 $ 140,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 173,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 109,492,000 1 $ 184,000

The tables below break down 2016 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 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 512 $64,737,000 $126,000 $720,000 $68,000 $694,000
Refinancing 397 $68,596,000 $172,000 $7,000,000 $67,000 $572,000
Home Improvement 57 $3,842,000 $67,000 $316,000 $93,000 $427,000

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 775 $102,198,000 $131,000 $7,000,000 $74,000 $694,000
Not Provided 78 $10,175,000 $130,000 $300,000 $69,000 $219,000
Not applicable 72 $18,550,000 $257,000 $2,900,000 $10,000 $124,000
Asian 14 $2,006,000 $143,000 $233,000 $89,000 $252,000
Black or African American 12 $1,998,000 $166,000 $245,000 $68,000 $240,000
Hispanic 10 $1,582,000 $158,000 $319,000 $56,000 $119,000
American Indian or Alaskan Native 4 $469,000 $117,000 $162,000 $83,000 $153,000
Native Hawaiin or Other Pacific Islander 1 $197,000 $197,000 $197,000 $127,000 $127,000

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) 663 $97,096,000 $146,000 $7,000,000 $79,000 $694,000
FHA-insured (Federal Housing Administration) 181 $22,293,000 $123,000 $271,000 $46,000 $240,000
VA-guaranteed (Veterans Administration) 96 $15,300,000 $159,000 $398,000 $51,000 $202,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 26 $2,486,000 $95,000 $159,000 $35,000 $72,000

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 497 $74,978,000 $150,000 $7,000,000 $75,000 $572,000
Application Denied By Financial Institution 192 $24,672,000 $128,000 $2,900,000 $64,000 $383,000
Application Withdrawn By Applicant 111 $16,293,000 $146,000 $2,674,000 $72,000 $694,000
Loan Purchased By The Institution 91 $12,682,000 $139,000 $398,000 $42,000 $236,000
File Closed For Incompleteness 39 $4,084,000 $104,000 $300,000 $71,000 $456,000
Application Approved But Not Accepted 36 $4,466,000 $124,000 $384,000 $75,000 $508,000
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 36 $2,904,000 $80,000 $238,000 $70,000 $304,000
Collateral 27 $3,372,000 $124,000 $517,000 $73,000 $319,000
Debt-To-Income Ratio 24 $3,235,000 $134,000 $307,000 $48,000 $98,000
Credit Application Incomplete 14 $1,597,000 $114,000 $184,000 $74,000 $133,000
Other 6 $785,000 $130,000 $261,000 $64,000 $120,000
Insufficient Cash (Downpayment, Closing Cost) 3 $351,000 $117,000 $258,000 $54,000 $90,000
Unverifiable Information 2 $252,000 $126,000 $150,000 $172,000 $344,000
Employment History 1 $133,000 $133,000 $133,000 $32,000 $32,000
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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