Berkeley County, WV Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 8,764 mortgage applications in Berkeley County, WV totaling $2.2 billion, up 8% from 2024. The average application was for $247,000, and applicants reported an average income of $110,000. 50% of applications resulted in an originated loan and 14% were denied. The most active lender was PennyMac Loan Services LLC, with 599 applications, followed by Integrity Home Mortgage Corporation and Crosscountry Mortgage, 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 8,764
Total Mortgage Loan Application Amount $2,171,540,000
Average Mortgage Loan Application Amount $247,000
Highest Mortgage Loan Application Amount $18,345,000
Average Applicant Income $110,000
Highest Applicant Income $2,784,000

Mortgage Company List for Lending in Berkeley County, WV for 2025

* 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
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 599 $ 159,675,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 416 $ 121,160,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 353 $ 100,205,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 337 $ 61,605,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ n/a 311 $ 46,235,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 276 $ 82,120,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 272 $ 83,950,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 241 $ 74,165,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 207 $ 20,775,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 204 $ 60,470,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 197 $ 26,235,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 191 $ 18,485,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 180 $ 35,130,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 165 $ 54,095,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ n/a 146 $ 45,180,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 139 $ 42,185,000
Lennar Mortgage, LLC
5505 WATERFORD DISTRICT DRIVE SUITE 505
MIAMI, FL 33126
* $ n/a 139 $ 29,465,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 129 $ 38,055,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 126 $ 28,380,000
Rmc Home Mortgage, LLC
6000 BROOKTREE ROAD SUITE 310
WEXFORD, PA 15090
* $ n/a 109 $ 34,125,000
Jefferson Security Bank
P.O. BOX 35
SHEPHERDSTOWN, WV 25443
* $ n/a 107 $ 29,645,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 104 $ 28,580,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 103 $ 25,745,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 102 $ 15,070,000
K. Hovnanian American Mortgage
3601 QUANTUM BOULDVARD
BOYNTON BEACH, FL 33426
* $ n/a 95 $ 32,975,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 84 $ 18,560,000
Cnb Bank Inc.
101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411
* $ n/a 79 $ 25,275,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 78 $ 17,160,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 76 $ 6,580,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 76 $ 14,110,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 73 $ 22,775,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 69 $ 21,625,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 67 $ 19,785,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 66 $ 13,540,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ n/a 64 $ 5,530,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 63 $ 6,565,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 56 $ 7,420,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 54 $ 7,170,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 54 $ 15,870,000
Potomac Bank
111 EAST WASHINGTON ST
CHARLES TOWN, WV 00000
* $ n/a 53 $ 14,305,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 53 $ 4,685,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 49 $ 14,995,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 49 $ 4,155,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 46 $ 10,190,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 46 $ 13,310,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 42 $ 6,200,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 42 $ 10,930,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 40 $ 11,870,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 37 $ 11,355,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 37 $ 2,575,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 35 $ 11,655,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ n/a 35 $ 14,145,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ n/a 35 $ 4,535,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 33 $ 6,185,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 31 $ 3,725,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 31 $ 8,775,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 30 $ 8,860,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 30 $ 10,310,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 29 $ 10,125,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 28 $ 7,460,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 28 $ 5,080,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 28 $ 6,670,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 28 $ 8,700,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 27 $ 6,265,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ n/a 27 $ 4,085,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 24 $ 6,060,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 23 $ 1,505,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 22 $ 7,550,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 21 $ 5,545,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 21 $ 6,405,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ n/a 20 $ 2,600,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 20 $ 5,780,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 20 $ 3,700,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 19 $ 5,505,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 19 $ 5,745,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 19 $ 6,065,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 18 $ 3,330,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 18 $ 4,110,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ n/a 17 $ 4,725,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 16 $ 3,970,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 16 $ 3,570,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ n/a 15 $ 3,345,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 14 $ 3,790,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 14 $ 3,590,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 14 $ 3,300,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 14 $ 3,480,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 13 $ 855,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 13 $ 4,255,000
Bank of Clarke
2 E MAIN ST
BERRYVILLE, VA 22611
* $ n/a 13 $ 6,585,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 13 $ 3,925,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 13 $ 1,355,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 12 $ 1,350,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ n/a 12 $ 3,450,000
Nextmortgage, LLC
3160 CROW CANYON RD
SAN RAMON, CA 94583
* $ n/a 11 $ 2,855,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 11 $ 3,335,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 11 $ 3,575,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 11 $ 2,425,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 10 $ 2,510,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 10 $ 2,760,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 9 $ 1,465,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 9 $ 1,605,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 9 $ 1,425,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 9 $ 4,975,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 9 $ 1,555,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 8 $ 2,030,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 8 $ 2,350,000
Shore United Bank, N.A.
18 EAST DOVER STREET
EASTON, MD 21601
* $ n/a 8 $ 2,530,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 8 $ 2,090,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 8 $ 2,490,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ n/a 8 $ 2,240,000
First United Bank & Trust
19 S SECOND STREET
OAKLAND, MD 21550
* $ n/a 8 $ 2,320,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ n/a 8 $ 2,330,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 8 $ 2,220,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 8 $ 3,340,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 8 $ 2,080,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 8 $ 2,080,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 8 $ 1,330,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 8 $ 2,060,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 7 $ 1,945,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 7 $ 2,105,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 7 $ 1,035,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 7 $ 2,295,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 2,905,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 7 $ 1,825,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 7 $ 1,465,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ n/a 7 $ 1,215,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ n/a 7 $ 1,245,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 6 $ 850,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 6 $ 590,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 6 $ 1,220,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 6 $ 2,440,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 6 $ 1,700,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 6 $ 2,180,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 6 $ 1,180,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 6 $ 1,590,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 6 $ 1,710,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 6 $ 1,620,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 6 $ 1,230,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 6 $ 1,990,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 5 $ 1,295,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 5 $ 635,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ n/a 5 $ 1,625,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 5 $ 855,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 5 $ 1,295,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 525,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 5 $ 1,825,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 5 $ 995,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 5 $ 1,545,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ n/a 5 $ 1,795,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 5 $ 1,445,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 5 $ 575,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ n/a 4 $ 1,000,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 4 $ 1,540,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 4 $ 1,050,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 4 $ 450,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ n/a 4 $ 1,100,000
Millennium Financial Group Inc dba Mlend
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ n/a 4 $ 1,300,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 4 $ 1,150,000
Affordable Mortgage Advisors
4640 CAMPBELLS RUN ROAD
PITTSBURGH, PA 15205
* $ n/a 3 $ 625,000
Colorado Federal Savings Bank
8400 E PRENTICE AVE STE 840
ENGLEWOOD, CO 80111
* $ n/a 3 $ 995,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 3 $ 875,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 3 $ 795,000
City Lending Inc.
8150 LEESBURG PIKE SUITE 405
VIENNA, VA 22182
* $ n/a 3 $ 985,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 3 $ 655,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 3 $ 625,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 3 $ 1,305,000
Thrivent Bank
2855 EAST COTTONWOOD PARKWAY SUITE 100
SALT LAKE, UT 84121
* $ n/a 3 $ 735,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 3 $ 1,065,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 3 $ 795,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ n/a 3 $ 935,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 3 $ 675,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 3 $ 835,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 3 $ 1,415,000
The Bank of Romney
95 E MAIN STREET
ROMNEY, WV 26757
* $ n/a 3 $ 655,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 3 $ 1,065,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 3 $ 1,245,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ n/a 3 $ 385,000
Jams-01 Inc dba Home Savings & Trust Mortgage
JAMS-01, INC. 3701 PENDER DRIVE #150
FAIRFAX, VA 22030
* $ n/a 3 $ 755,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 3 $ 1,145,000
Ardri LLC
27001 AGOURA ROAD #100
CALABASAS, CA 91301
* $ n/a 3 $ 595,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 3 $ 895,000
Nih Federal Credit Union
111 ROCKVILLE PIKE, SUITE 500
ROCKVILLE, MD 20850
* $ n/a 3 $ 995,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ n/a 3 $ 515,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 3 $ 605,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 2 $ 910,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 2 $ 28,170,000
Middletown Valley Bank
24 WEST MAIN STREET
MIDDLETOWN, MD 21769
* $ n/a 2 $ 1,030,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 2 $ 370,000
Chessie Federal Credit Union
15 COMMERCE DRIVE
CUMBERLAND, MD 21502
* $ n/a 2 $ 270,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 420,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 2 $ 280,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ n/a 2 $ 460,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ n/a 2 $ 200,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 2 $ 560,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 2 $ 440,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 2 $ 600,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ n/a 2 $ 530,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ n/a 2 $ 440,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 2 $ 930,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 2 $ 130,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 580,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ n/a 2 $ 480,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ n/a 2 $ 210,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 2 $ 630,000
First Peoples Cfcu
153 BALTIMORE STREET
CUMBERLAND, MD 21502
* $ n/a 2 $ 980,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 2 $ 570,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 2 $ 630,000
Capon Valley Bank
PO BOX 119
WARDENSVILLE, WV 26851
* $ n/a 2 $ 210,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ n/a 2 $ 540,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 2 $ 820,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 2 $ 440,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 570,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 2 $ 650,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ n/a 2 $ 550,000
The Grant County Bank
P. O. BOX 929
PETERSBURG, WV 26847
* $ n/a 2 $ 560,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ n/a 2 $ 940,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 2 $ 930,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 2 $ 980,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 2 $ 580,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ n/a 2 $ 340,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 2 $ 430,000
Newpoint Real Estate Capital
5800 TENNYSON PARKWAY, SUITE 200
PLANO, TX 75024
* $ n/a 1 $ 18,345,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 265,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 355,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ n/a 1 $ 55,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ n/a 1 $ 105,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 165,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 1 $ 105,000
Bridgeway Lending Partners, LLC
10550 CAMDEN DRIVE, SUITE B
CYPRESS, CA 90630
* $ n/a 1 $ 185,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ n/a 1 $ 165,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ n/a 1 $ 225,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 205,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 215,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ n/a 1 $ 565,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 35,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 205,000
Chartway FCU
5700 CLEVELAND STREET
VIRGINIA BEACH, VA 23462
* $ n/a 1 $ 225,000
Primis Bank

GLEN ALLEN, VA 23060
* $ n/a 1 $ 345,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 375,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 1 $ 115,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 185,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 1 $ 295,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ n/a 1 $ 165,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ n/a 1 $ 235,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ n/a 1 $ 175,000
Woodsboro Bank
5 N MAIN STREET PO BOX 36
WOODSBORO, MD 21798
* $ n/a 1 $ 365,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 205,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 205,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ n/a 1 $ 65,000
Pgim Real Estate Agency Financing, LLC

DALLAS, TX 75201
* $ n/a 1 $ 11,205,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 65,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 295,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 265,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 45,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 145,000
Alerus Financial NA
PO BOX 6001
GRAND FORKS, ND 58206
* $ n/a 1 $ 405,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ n/a 1 $ 145,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 265,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 425,000
Apl Federal Credit Union
11050 JOHNS HOPKINS ROAD
LAUREL, MD 20723
* $ n/a 1 $ 155,000
Waterstone Bank SSB
11200 WEST PLANK COURT
WAUWATOSA, WI 53226
* $ n/a 1 $ 335,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ n/a 1 $ 225,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 1 $ 345,000
Aml Funding LLC dba Absolute Mortgage & Lending
4230 LYNDON B JOHNSON FWY #626
DALLAS, TX 75244
* $ n/a 1 $ 255,000
Gate City Bank
500 2ND AVE N
FARGO, ND 58102
* $ n/a 1 $ 245,000
Virginia National Bank
PO BOX 2853
CHARLOTTESVILLE, VA 22911
* $ n/a 1 $ 375,000
Bank of Whittier, NA
15141 E WHITTIER BLVD
WHITTIER, CA 90603
* $ n/a 1 $ 265,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 1 $ 65,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 335,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ n/a 1 $ 335,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ n/a 1 $ 145,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 425,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 225,000
Uncle Credit Union
2100 LAS POSITAS COURT
LIVERMORE, CA 94551
* $ n/a 1 $ 145,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 195,000
Cbre Multifamily Capital, Inc.

HOUSTON, TX 77079
* $ n/a 1 $ 1,965,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 1 $ 385,000
Kish Bank
4255 EAST MAIN STREET
BELLEVILLE, PA 17004
* $ n/a 1 $ 275,000
Access Bank
8712 WEST DODGE ROAD
OMAHA, NE 68114
* $ n/a 1 $ 335,000
Skypoint FCU
19785 CRYSTAL ROCK DRIVE SUITE 201
GERMANTOWN, MD 20874
* $ n/a 1 $ 35,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 1 $ 175,000
Johns Hopkins FCU
2027 E MONUMENT STREET
BALTIMORE, MD 21224
* $ n/a 1 $ 25,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ n/a 1 $ 265,000
The Freedom Bank of Virginia
10555 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 275,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 485,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 1 $ 45,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 375,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ n/a 1 $ 145,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 425,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 1 $ 255,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 145,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ n/a 1 $ 275,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 255,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 285,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 1 $ 215,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ n/a 1 $ 355,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ n/a 1 $ 275,000
First Guaranty Bank
400 EAST THOMAS STREET
HAMMOND, LA 70401
* $ n/a 1 $ 275,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 195,000
Bay Capital Mortgage Corporation
801 COMPASS WAY
ANNAPOLIS, MD 21401
* $ n/a 1 $ 235,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ n/a 1 $ 345,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 1 $ 255,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 255,000
Homesale Mortgage
215 S. CENTERVILLE ROAD
LANCASTER, PA 17603
* $ n/a 1 $ 285,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 1 $ 235,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 225,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 605,000
1st Advantage Federal Credit U
110 CYBERNETICS WAY
YORKTOWN, VA 23693
* $ n/a 1 $ 225,000
Blaze Credit Union
2025 LARPENTEUR AVE W
FALCON HEIGHTS, MN 55113
* $ n/a 1 $ 275,000
Berkeley Point Capital LLC

BOSTON, MA 02110
* $ n/a 1 $ 2,505,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 1 $ 25,000

The tables below break down 2025 mortgage applications in Berkeley County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Berkeley County, WV in 2025

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 5,038 $1,431,330,000 $284,000 $2,165,000 $111,000 $2,784,000
Cash-out Refinancing 1,486 $314,230,000 $211,000 $11,205,000 $101,000 $854,000
Refinancing 1,011 $324,175,000 $320,000 $18,345,000 $118,000 $2,608,000
Other Purpose 693 $53,855,000 $77,000 $825,000 $107,000 $1,637,000
Home Improvement 520 $44,490,000 $85,000 $885,000 $114,000 $700,000
Not Applicable 16 $3,460,000 $216,000 $365,000 $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 4,540 $1,025,780,000 $225,000 $1,495,000 $110,000 $2,784,000
Not applicable 1,575 $495,505,000 $314,000 $18,345,000 $114,000 $348,000
Not Provided 1,103 $268,585,000 $243,000 $1,245,000 $111,000 $961,000
Black or African American 633 $155,935,000 $246,000 $715,000 $95,000 $405,000
Hispanic 538 $139,190,000 $258,000 $705,000 $99,000 $491,000
Asian 324 $75,150,000 $231,000 $675,000 $142,000 $648,000
American Indian or Alaskan Native 44 $9,370,000 $212,000 $575,000 $96,000 $221,000
Native Hawaiian or Other Pacific Islander 7 $2,025,000 $289,000 $475,000 $114,000 $296,000

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) 5,086 $1,028,530,000 $202,000 $18,345,000 $114,000 $2,784,000
FHA-insured (Federal Housing Administration) 2,131 $622,595,000 $292,000 $535,000 $94,000 $481,000
VA-guaranteed (Veterans Administration) 1,304 $454,650,000 $348,000 $1,495,000 $118,000 $1,044,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 243 $65,765,000 $270,000 $405,000 $86,000 $157,000

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 4,391 $1,165,685,000 $265,000 $18,345,000 $115,000 $2,784,000
Loan Purchased By The Institution 1,507 $407,525,000 $270,000 $805,000 $114,000 $348,000
Application Denied By Financial Institution 1,225 $208,665,000 $170,000 $825,000 $90,000 $1,637,000
Application Withdrawn By Applicant 999 $256,645,000 $256,000 $1,495,000 $118,000 $2,608,000
File Closed For Incompleteness 417 $80,165,000 $192,000 $695,000 $92,000 $648,000
Application Approved But Not Accepted 212 $48,910,000 $230,000 $805,000 $107,000 $854,000
Preapproval Approved but not Accepted 9 $2,665,000 $296,000 $355,000 $107,000 $155,000
Preapproval Denied by Financial Institution 4 $1,280,000 $320,000 $495,000 $120,000 $161,000

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 7,288 $1,885,140,000 $258,000 $18,345,000 $113,000 $2,784,000
Debt-To-Income Ratio 610 $138,710,000 $227,000 $2,165,000 $95,000 $854,000
Credit History 337 $48,685,000 $144,000 $755,000 $91,000 $287,000
Credit Application Incomplete 170 $28,500,000 $167,000 $675,000 $110,000 $1,637,000
Collateral 152 $26,610,000 $175,000 $825,000 $111,000 $632,000
Other 98 $18,680,000 $190,000 $525,000 $99,000 $491,000
Unverifiable Information 57 $12,615,000 $221,000 $685,000 $92,000 $423,000
Insufficient Cash (Downpayment, Closing Cost) 42 $9,970,000 $237,000 $765,000 $112,000 $1,044,000
Employment History 10 $2,630,000 $263,000 $505,000 $84,000 $186,000
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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