Berkeley County, WV Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 9,621 mortgage applications in Berkeley County, WV totaling $2.2 billion, down 31% from 2021. The average application was for $231,000, and applicants reported an average income of $96,000. 53% of applications resulted in an originated loan and 15% were denied. The most active lender was PennyMac Loan Services LLC, with 518 applications, followed by Integrity Home Mortgage Corporation and NVR Mortgage Finance, 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 9,621
Total Mortgage Loan Application Amount $2,230,095,000
Average Mortgage Loan Application Amount $231,000
Highest Mortgage Loan Application Amount $23,135,000
Average Applicant Income $96,000
Highest Applicant Income $4,683,000

Mortgage Company List for Lending in Berkeley County, WV for 2022

* 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
* $ -1,000 518 $ 131,090,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 513 $ 135,775,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ -1,000 388 $ 112,990,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,955,821,000 383 $ 51,425,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 331 $ 45,635,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 276 $ 55,550,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 275 $ 57,645,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 249 $ 63,735,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 245 $ 62,115,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 204 $ 16,380,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 204 $ 40,920,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 197 $ 52,865,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 193 $ 44,185,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 193 $ 52,605,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 186 $ 15,120,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 184 $ 46,640,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 169 $ 45,715,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 168 $ 46,130,000
Jefferson Security Bank
P.O. BOX 35
SHEPHERDSTOWN, WV 25443
* $ 426,783,000 166 $ 46,870,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 155 $ 40,705,000
Cnb Bank Inc.
101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411
* $ 538,096,000 135 $ 37,165,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 132 $ 13,510,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 106 $ 27,510,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 105 $ 18,885,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 95 $ 25,045,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 92 $ 21,710,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 91 $ 21,395,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 86 $ 14,900,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 79 $ 18,415,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 77 $ 6,215,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 77 $ 16,455,000
Cbm Mortgage, Inc.
912 HOMETOWN WAY
FRONT ROYAL, VA 22630
* $ -1,000 74 $ 17,910,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 74 $ 19,650,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 73 $ 18,735,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,555,648,000 72 $ 27,810,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 70 $ 16,190,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 68 $ 7,700,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 65 $ 18,985,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 64 $ 7,230,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 64 $ 18,990,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 59 $ 13,715,000
Potomac Bank
111 EAST WASHINGTON ST
CHARLES TOWN, WV 00000
* $ 709,715,000 57 $ 10,635,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 54 $ 14,210,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 53 $ 16,365,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 53 $ 9,475,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 52 $ 5,100,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 48 $ 10,890,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 4,778,940,000 45 $ 6,335,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 43 $ 9,935,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 42 $ 9,730,000
K. Hovnanian American Mortgage
3601 QUANTUM BOULDVARD
BOYNTON BEACH, FL 33426
* $ -1,000 41 $ 8,735,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 40 $ 10,070,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 38 $ 9,750,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 38 $ 7,830,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ 935,167,000 38 $ 3,110,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 3,890,783,000 38 $ 4,270,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 38 $ 9,660,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 36 $ 8,840,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 33 $ 3,055,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 33 $ 8,505,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 32 $ 8,570,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 31 $ 8,805,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 30 $ 8,260,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 28 $ 6,970,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 26 $ 6,800,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 25 $ 6,175,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 25 $ 6,235,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 22 $ 5,680,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 22 $ 6,590,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 22 $ 6,150,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 20 $ 6,320,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 20 $ 4,090,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 19 $ 4,535,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 19 $ 4,665,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 18 $ 2,590,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 17 $ 2,685,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 16 $ 4,390,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 15 $ 3,565,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 15 $ 4,345,000
First United Bank & Trust
19 S SECOND STREET
OAKLAND, MD 21550
* $ 1,423,446,000 15 $ 5,105,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 15 $ 3,205,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 15 $ 3,045,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 14 $ 3,880,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 14 $ 3,200,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 14 $ 3,540,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 14 $ 3,110,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 13 $ 3,695,000
Bank of Clarke
2 E MAIN ST
BERRYVILLE, VA 22611
* $ 1,302,913,000 13 $ 3,755,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 13 $ 3,525,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 12 $ 2,170,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 12 $ 2,590,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 12 $ 3,100,000
The Bank of Romney
95 E MAIN STREET
ROMNEY, WV 26757
* $ 372,387,000 11 $ 1,685,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 25,647,791,000 11 $ 1,775,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 11 $ 2,615,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 11 $ 885,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 11 $ 2,985,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 10 $ 3,080,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 10 $ 2,880,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 10 $ 3,210,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 10 $ 1,840,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 10 $ 2,710,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 887,431,000 10 $ 3,250,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,068,592,000 9 $ 1,065,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 9 $ 2,525,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,000,309,000 9 $ 2,215,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 9 $ 1,795,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 7,541,726,000 9 $ 2,185,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 9 $ 2,615,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 9 $ 2,225,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 9 $ 2,365,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 8 $ 1,580,000
Sandy Spring Bank
6831 BENJAMIN FRANKIN DRIVE
COLUMBIA, MD 21046
* $ 12,586,611,000 8 $ 1,820,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 8 $ 2,090,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 8 $ 2,270,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 7 $ 1,835,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 7 $ 1,365,000
First Bank
112 W KING ST
STRASBURG, VA 22657
* $ 1,383,368,000 7 $ 765,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 7 $ 1,705,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 7 $ 1,985,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ -1,000 7 $ 1,615,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 7 $ 1,675,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 7 $ 1,955,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 7 $ 1,985,000
Apex Home Loans, Inc.
3204 TOWER OAKS BLVD., SUITE 400
ROCKVILLE, MD 20852
* $ -1,000 6 $ 1,390,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 16,361,399,000 6 $ 1,590,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 936,708,000 6 $ 1,420,000
Bay Capital Mortgage Corporation
801 COMPASS WAY
ANNAPOLIS, MD 21401
* $ -1,000 6 $ 1,600,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 6 $ 760,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 6 $ 440,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 6 $ 1,210,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 6 $ 970,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 6 $ 1,810,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 6 $ 1,160,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 1,530,000
Capon Valley Bank
PO BOX 119
WARDENSVILLE, WV 26851
* $ 199,398,000 5 $ 1,565,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 515,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 5 $ 1,175,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 1,245,000
Shore United Bank, N.A.
18 EAST DOVER STREET
EASTON, MD 21601
* $ 3,458,147,000 5 $ 1,565,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 1,205,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 5 $ 845,000
Traditions Bank
226 PAULINE DRIVE
YORK, PA 17402
* $ 749,092,000 5 $ 1,525,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 5 $ 1,145,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 4 $ 750,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 4 $ 640,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 4 $ 530,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 4 $ 1,200,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 4 $ 990,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 4 $ 1,320,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 3,646,771,000 4 $ 1,100,000
Millennium Financial Group Inc dba Mlend
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ -1,000 4 $ 920,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 4 $ 1,030,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 4 $ 1,330,000
Educational Systems FCU
PO BOX 179
GREENBELT, MD 20768
* $ 1,242,694,000 4 $ 350,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 4 $ 1,290,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 1,713,318,000 4 $ 960,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 1,020,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 4 $ 1,000,000
The Grant County Bank
P. O. BOX 929
PETERSBURG, WV 26847
* $ 319,158,000 4 $ 910,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 3 $ 695,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 3 $ 1,095,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ 2,136,862,000 3 $ 75,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 655,162,000 3 $ 45,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 3 $ 935,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 3 $ 1,145,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 3 $ 605,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 565,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 555,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 3 $ 845,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 872,778,000 3 $ 725,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 3 $ 765,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 3 $ 655,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 788,114,000 3 $ 855,000
Jams-01 Inc dba Home Savings & Trust Mortgage
JAMS-01, INC. 3701 PENDER DRIVE #150
FAIRFAX, VA 22030
* $ -1,000 3 $ 705,000
Middletown Valley Bank
24 WEST MAIN STREET
MIDDLETOWN, MD 21769
* $ 812,706,000 3 $ 1,615,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 3 $ 675,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 3 $ 815,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 3 $ 525,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 3 $ 635,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 411,380,000 3 $ 665,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 3 $ 615,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,625,847,000 3 $ 305,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 2 $ 330,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 480,000
First Peoples Cfcu
153 BALTIMORE STREET
CUMBERLAND, MD 21502
* $ 589,126,000 2 $ 460,000
Nextmark Federal Credit Union
4201 MEMBERS WAY
FAIRFAX, VA 22030
* $ 514,244,000 2 $ 160,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 2 $ 410,000
Eaglebank
11931 TECH RD
BETHESDA, MD 20814
* $ 11,799,111,000 2 $ 310,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 170,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 2 $ 450,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 2 $ 410,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 2 $ 11,230,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 4,678,422,000 2 $ 190,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 2 $ 290,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 2 $ 660,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 2 $ 60,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 2 $ 370,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ 2,772,684,000 2 $ 400,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 2 $ 240,000
Old Dominion National Bank
4916 PLANK RD
CHARLOTTESVILLE, VA 22903
* $ 837,499,000 2 $ 390,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 2 $ 640,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 161,574,000 2 $ 110,000
Commonwealth One Federal Credit Union
4875 EISENHOWER AVE
ALEXANDRIA, VA 22304
* $ 489,178,000 2 $ 110,000
The Freedom Bank of Virginia
10555 MAIN STREET
FAIRFAX, VA 22030
* $ 877,767,000 2 $ 610,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 2 $ 480,000
Greystone Servicing Corporation, Inc.

MEMPHIS, TN 38120
* $ -1,000 2 $ 11,230,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ -1,000 2 $ 340,000
Franklin Mint Federal Credit Union
5 HILLMAN DRIVE
CHADDS FORD, PA 19317
* $ 1,620,099,000 2 $ 800,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,280,811,000 2 $ 110,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 604,572,000 2 $ 150,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 2 $ 340,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 1,214,719,000 2 $ 100,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 2 $ 480,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,886,658,000 2 $ 360,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 830,000
Pendleton Community Bank
128 N MAIN ST
FRANKLIN, WV 26807
* $ 627,833,000 2 $ 400,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 280,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 2 $ 370,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,423,533,000 2 $ 380,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 590,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ -1,000 2 $ 720,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 2 $ 420,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 410,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 14,047,081,000 2 $ 550,000
Chessie Federal Credit Union
15 COMMERCE DRIVE
CUMBERLAND, MD 21502
* $ 435,000,000 2 $ 1,230,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 450,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 2 $ 540,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 510,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 6,544,502,000 2 $ 310,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 2 $ 590,000
Nih Federal Credit Union
111 ROCKVILLE PIKE, SUITE 500
ROCKVILLE, MD 20850
* $ 834,697,000 2 $ 320,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 812,968,000 2 $ 420,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 1 $ 135,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 1 $ 25,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ 65,412,000 1 $ 155,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 145,000
Customers Bank
701 READING AVE
READING, PA 19611
* $ 19,555,791,000 1 $ 21,505,000
Fedchoice Federal Credit Union
10001WILLOWDALERD
LANHAM, MD 20706
* $ 437,217,000 1 $ 75,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,834,012,000 1 $ 45,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,824,450,000 1 $ 135,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 145,000
First Bank and Trust Company
PO BOX 1000
ABINGDON, VA 24212
* $ 1,946,484,000 1 $ 415,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 420,502,000,000 1 $ 215,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 7,123,603,000 1 $ 275,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 515,326,000 1 $ 105,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 75,000
1st Financial, Inc.
1111 BENFIELD BLVD #106
MILLERSVILLE, MD 21108
* $ -1,000 1 $ 255,000
Lakeland Bank
250 OAK RIDGE RD
NEWFOUNDLAND, NJ 07438
* $ 8,195,337,000 1 $ 195,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 502,009,000 1 $ 195,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 255,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ 1,281,403,000 1 $ 45,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 1 $ 25,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 165,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,415,583,000 1 $ 55,000
Prince Georges Community FCU
15201 HALL ROAD
BOWIE, MD 20721
* $ 245,252,000 1 $ 45,000
Usf Credit Union
13101 TELECOM PARK DRIVE SUITE 100
TEMPLE TERRACE, FL 33637
* $ 1,028,668,000 1 $ 25,000
1st Summit Bank
125 DONALD LANE
JOHNSTOWN, PA 15904
* $ 1,303,961,000 1 $ 25,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 225,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 1 $ 11,715,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ -1,000 1 $ 11,805,000
Midwest Loan Solutions, Inc.
29777 TELEGRAPH RD. SUITE 3580
SOUTHFIELD, MI 48034
* $ -1,000 1 $ 145,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 255,000
Huntington Federal Savings Bank
1049 5TH AVE
HUNTINGTON, WV 25701
* $ 557,510,000 1 $ 55,000
M&T Realty Capital Corporation

BUFFALO, NY 14203
* $ -1,000 1 $ 23,135,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 3,590,117,000 1 $ 295,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 873,423,000 1 $ 755,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 487,506,000 1 $ 235,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 1 $ 245,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 55,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 245,000
Signal Financial FCU
3015 UNIVERSITY BLVD., W
KENSINGTON, MD 20895
* $ 442,717,000 1 $ 155,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 265,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 145,000
Fnb Bank, Inc
105 NORTH HIGH STREET
ROMNEY, WV 26757
* $ 252,614,000 1 $ 475,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 1 $ 175,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 1,773,423,000 1 $ 175,000
Community Bank of the Chesapeake
3035 LEONARDTOWN RD
WALDORF, MD 20601
* $ 2,325,841,000 1 $ 205,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 7,187,889,000 1 $ 185,000
Valley West Corporation
8010 W SAHARA AVE SUITE #140
LAS VEGAS, NV 89117
* $ -1,000 1 $ 215,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ 288,660,000 1 $ 25,000
Austin Telco FCU
8929 SHOAL CREEK BLVD
AUSTIN, TX 78759
* $ 2,369,310,000 1 $ 335,000
Agriculture Federal Credit Union
1400 INDEPENDENCE AVE SW
WASHINGTON, DC 20250
* $ 356,075,000 1 $ 15,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 125,000
Ameriserv Financial Bank
216 FRANKLIN ST
JOHNSTOWN, PA 15901
* $ 1,319,327,000 1 $ 255,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 1 $ 285,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 285,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 1 $ 295,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 55,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 18,959,414,000 1 $ 85,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 1 $ 265,000
Nymeo Federal Credit Union
5210 CHAIRMANS COURT
FREDERICK, MD 21703
* $ 349,254,000 1 $ 105,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 1 $ 315,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 145,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 4,410,685,000 1 $ 125,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 245,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 1,642,713,000 1 $ 255,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 9,203,588,000 1 $ 205,000
Midwest Community Bank
510 PARK CREST DR
FREEPORT, IL 61032
* $ 331,935,000 1 $ 105,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 345,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 407,850,000 1 $ 255,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 255,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 225,000

The tables below break down 2022 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 2022

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 5,506 $1,452,060,000 $263,000 $7,235,000 $97,000 $1,897,000
Cash-out Refinancing 1,942 $433,530,000 $223,000 $1,605,000 $83,000 $850,000
Refinancing 939 $251,715,000 $268,000 $23,135,000 $106,000 $4,683,000
Other Purpose 620 $46,470,000 $74,000 $405,000 $100,000 $2,185,000
Home Improvement 584 $42,570,000 $72,000 $395,000 $109,000 $1,437,000
Not Applicable 30 $3,750,000 $125,000 $255,000 $42,000 $47,000

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 5,613 $1,170,905,000 $208,000 $1,195,000 $95,000 $2,185,000
Not applicable 1,329 $451,335,000 $339,000 $23,135,000 $82,000 $280,000
Not Provided 1,272 $280,610,000 $220,000 $1,605,000 $95,000 $1,437,000
Black or African American 653 $153,345,000 $234,000 $1,995,000 $86,000 $572,000
Hispanic 434 $105,830,000 $243,000 $705,000 $82,000 $308,000
Asian 206 $45,700,000 $221,000 $475,000 $171,000 $4,683,000
American Indian or Alaskan Native 74 $14,600,000 $197,000 $625,000 $102,000 $513,000
Native Hawaiian or Other Pacific Islander 8 $1,620,000 $202,000 $405,000 $86,000 $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) 5,736 $1,191,380,000 $207,000 $23,135,000 $103,000 $4,683,000
FHA-insured (Federal Housing Administration) 1,924 $478,600,000 $248,000 $535,000 $77,000 $516,000
VA-guaranteed (Veterans Administration) 1,358 $416,410,000 $306,000 $815,000 $94,000 $293,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 603 $143,705,000 $238,000 $775,000 $70,000 $475,000

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 5,072 $1,256,850,000 $247,000 $23,135,000 $99,000 $4,683,000
Application Denied By Financial Institution 1,474 $232,280,000 $157,000 $765,000 $80,000 $2,100,000
Loan Purchased By The Institution 1,321 $350,175,000 $265,000 $745,000 $97,000 $330,000
Application Withdrawn By Applicant 1,058 $253,210,000 $239,000 $1,195,000 $102,000 $1,897,000
File Closed For Incompleteness 459 $85,045,000 $185,000 $1,605,000 $91,000 $2,185,000
Application Approved But Not Accepted 220 $47,920,000 $217,000 $895,000 $88,000 $504,000
Preapproval Approved but not Accepted 16 $4,410,000 $275,000 $475,000 $139,000 $614,000
Preapproval Denied by Financial Institution 1 $205,000 $205,000 $205,000 $97,000 $97,000

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 7,892 $1,909,450,000 $241,000 $21,505,000 $98,000 $4,683,000
Debt-To-Income Ratio 589 $148,265,000 $251,000 $23,135,000 $92,000 $1,897,000
Credit History 534 $64,340,000 $120,000 $555,000 $84,000 $2,100,000
Collateral 228 $34,890,000 $153,000 $515,000 $93,000 $285,000
Credit Application Incomplete 130 $26,020,000 $200,000 $685,000 $88,000 $302,000
Other 112 $18,290,000 $163,000 $395,000 $85,000 $530,000
Unverifiable Information 56 $10,270,000 $183,000 $615,000 $71,000 $240,000
Insufficient Cash (Downpayment, Closing Cost) 49 $11,175,000 $228,000 $535,000 $87,000 $240,000
Employment History 31 $7,395,000 $238,000 $645,000 $69,000 $192,000
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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