Branch County, MI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,160 mortgage applications in Branch County, MI totaling $118.6 million, down 29% from 2013. The average application was for $102,000, and applicants reported an average income of $67,000. 55% of applications resulted in an originated loan and 24% were denied. The most active lender was Southern Michigan Bank & Trust, with 132 applications, followed by Amerifirst Financial Corporation and Huntington National Bank.
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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 | 1,160 |
| Total Mortgage Loan Application Amount | $118,647,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $1,879,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $1,064,000 |
* 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 |
|---|---|---|---|---|
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 538,580,000 | 132 | $ 15,031,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 121 | $ 10,991,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 72 | $ 5,552,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 501,034,000 | 66 | $ 4,959,000 |
| Monarch Community Bank 375 N WILLOWBROOK RD COLDWATER, MI 49036 |
* | $ 169,128,000 | 54 | $ 4,701,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 472,890,000 | 51 | $ 2,981,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 50 | $ 4,835,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 49 | $ 4,845,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 41 | $ 3,635,000 |
| Oak Mortgage, LLC 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ 315,462,000 | 39 | $ 3,527,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 31 | $ 2,691,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 6,176,405,000 | 24 | $ 2,264,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 20 | $ 4,385,000 |
| Marshall Community Credit Union 839 W GREEN ST MARSHALL, MI 49068 |
* | $ 153,102,000 | 20 | $ 1,951,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 15 | $ 1,859,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 12 | $ 1,022,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 1,417,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 451,550,000 | 10 | $ 815,000 |
| Kellogg Cfcu 41 SECOND ST BATTLE CREEK, MI 49015 |
* | $ 419,090,000 | 10 | $ 457,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 10 | $ 730,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 848,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,125,408,000 | 8 | $ 2,064,000 |
| Farmers State Bank 220 S. DETROIT STREET LAGRANGE, IN 46761 |
* | $ 526,666,000 | 7 | $ 1,245,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 6 | $ 975,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 6 | $ 1,163,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 6 | $ 558,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 6 | $ 258,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 6 | $ 1,008,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 596,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 6 | $ 483,000 |
| Sturgis Bank & Trust 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ 304,814,000 | 6 | $ 148,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 633,326,000 | 5 | $ 455,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 630,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,536,690,000 | 5 | $ 300,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 5 | $ 421,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 4 | $ 327,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 4 | $ 227,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 320,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 671,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 533,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 763,585,000 | 4 | $ 913,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 664,841,000 | 3 | $ 446,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 3 | $ 225,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 273,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 594,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 3,042,240,000 | 3 | $ 336,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 237,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 193,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 3 | $ 359,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 358,994,000 | 3 | $ 172,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 239,452,000 | 3 | $ 45,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 297,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 367,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 152,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 95,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 2 | $ 260,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 189,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 2 | $ 555,000 |
| Southwest Michigan Federal CU 4000 SOUTH SPRINKLE KALAMAZOO, MI 49001 |
* | $ 68,645,000 | 2 | $ 338,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 2 | $ 34,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 2 | $ 175,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 544,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 2 | $ 214,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 2 | $ 384,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 144,000 |
| Ignite Credit Union 115 RIVERSIDE DR BATTLE CREEK, MI 49015 |
* | $ 116,434,000 | 2 | $ 205,000 |
| Post Community Credit Union 240 CLIFF ST. BATTLE CREEK, MI 49014 |
* | $ 85,273,000 | 2 | $ 140,000 |
| Omni Community Credit Union PO BOX 1537 BATTLE CREEK, MI 49015 |
* | $ 307,022,000 | 2 | $ 100,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 1,664,812,000 | 2 | $ 278,000 |
| American 1 Credit Union 718 E. MICHIGAN AVE. JACKSON, MI 49201 |
* | $ 258,995,000 | 2 | $ 59,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 2 | $ 289,000 |
| Kalsee Credit Union 2501 MILLCORK STREET KALAMAZOO, MI 49001 |
* | $ 141,997,000 | 2 | $ 143,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 152,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 492,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 159,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 158,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 481,609,000 | 1 | $ 5,000 |
| Highpoint Community Bank 150 W COURT ST HASTINGS, MI 49058 |
* | $ 270,623,000 | 1 | $ 11,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 950,929,000 | 1 | $ 4,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 33,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 96,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 5,417,382,000 | 1 | $ 50,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 1 | $ 183,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 63,000 |
| McGlone Mortgage Company, Inc. 3701 E. EVERGREEN DRIVE, SUITE 500B APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 66,000 |
| The Genoa Banking Company 801 MAIN STREET GENOA, OH 43430 |
* | $ 267,163,000 | 1 | $ 155,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 63,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 100,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 152,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 214,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ 14,292,000 | 1 | $ 143,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 237,547,000 | 1 | $ 8,000 |
| Michigan Community Credit Unio 1425 W PARNALL RD JACKSON, MI 49201 |
* | $ 121,494,000 | 1 | $ 230,000 |
| Preferred Credit Union 3767 SPARKS DR SE GRAND RAPIDS, MI 49546 |
* | $ 149,977,000 | 1 | $ 40,000 |
| Zeal Credit Union 17250 NEWBURGH LIVONIA, MI 48152 |
* | $ 413,674,000 | 1 | $ 86,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 340,615,000 | 1 | $ 49,000 |
| Consumers Professional Credit Union 525 W WILLOW STREET LANSING, MI 48906 |
* | $ 73,391,000 | 1 | $ 13,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 381,225,000 | 1 | $ 112,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 154,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ 10,000,000 | 1 | $ 303,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 1 | $ 78,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 110,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 303,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 149,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 99,877,000,000 | 1 | $ 150,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 192,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 122,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ 166,435,000 | 1 | $ 30,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 513,928,000 | 1 | $ 64,000 |
| Osb Community Bank 417 S MAIN ST, PO BOX 738 BROOKLYN, MI 49230 |
* | $ 71,973,000 | 1 | $ 720,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 98,000 |
| Homestead Savings Bank 415 S SUPERIOR ST ALBION, MI 49224 |
* | $ 71,052,000 | 1 | $ 131,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 87,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 60,000 |
| Waterford Bank, N.A. 3900 N. MCCORD RD TOLEDO, OH 43617 |
* | $ 449,756,000 | 1 | $ 417,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 800,870,000 | 1 | $ 130,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 715,804,000 | 1 | $ 1,341,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 189,000 |
| The Campbell & Fetter Bank PO BOX 231 KENDALLVILLE, IN 46755 |
* | $ 297,223,000 | 1 | $ 122,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 1 | $ 121,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Townstone Finanacial, Inc. 1141 W RANDOLPH CHICAGO, IL 60607 |
* | $ 10,000,000 | 1 | $ 184,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Summit Home Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ 1,000,000 | 1 | $ 104,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 417,000 |
The tables below break down 2014 mortgage applications in Branch County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Branch County, MI in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 543 | $55,890,000 | $102,000 | $1,879,000 | $62,000 | $762,000 |
| Home Purchase | 498 | $55,484,000 | $111,000 | $997,000 | $70,000 | $1,064,000 |
| Home Improvement | 119 | $7,273,000 | $61,000 | $1,341,000 | $72,000 | $467,000 |
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 | 984 | $100,571,000 | $102,000 | $1,879,000 | $70,000 | $1,064,000 |
| Not Provided | 80 | $7,519,000 | $93,000 | $386,000 | $82,000 | $762,000 |
| Not applicable | 67 | $8,028,000 | $119,000 | $1,341,000 | $5,000 | $109,000 |
| Hispanic | 19 | $1,744,000 | $91,000 | $375,000 | $50,000 | $125,000 |
| Asian | 5 | $370,000 | $74,000 | $121,000 | $48,000 | $99,000 |
| Black or African American | 3 | $295,000 | $98,000 | $152,000 | $105,000 | $165,000 |
| American Indian or Alaskan Native | 2 | $120,000 | $60,000 | $68,000 | $58,000 | $93,000 |
| 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) | 843 | $88,119,000 | $104,000 | $1,879,000 | $78,000 | $1,064,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 140 | $11,579,000 | $82,000 | $205,000 | $31,000 | $183,000 |
| FHA-insured (Federal Housing Administration) | 126 | $11,407,000 | $90,000 | $248,000 | $39,000 | $209,000 |
| VA-guaranteed (Veterans Administration) | 51 | $7,542,000 | $147,000 | $452,000 | $49,000 | $132,000 |
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 | 633 | $68,226,000 | $107,000 | $1,879,000 | $74,000 | $854,000 |
| Application Denied By Financial Institution | 279 | $26,797,000 | $96,000 | $720,000 | $61,000 | $762,000 |
| Application Withdrawn By Applicant | 98 | $8,630,000 | $88,000 | $375,000 | $63,000 | $500,000 |
| Loan Purchased By The Institution | 77 | $7,585,000 | $98,000 | $417,000 | $16,000 | $393,000 |
| Application Approved But Not Accepted | 43 | $3,880,000 | $90,000 | $250,000 | $96,000 | $1,064,000 |
| File Closed For Incompleteness | 30 | $3,529,000 | $117,000 | $452,000 | $66,000 | $183,000 |
| 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 | 74 | $5,248,000 | $70,000 | $360,000 | $55,000 | $230,000 |
| Collateral | 41 | $4,223,000 | $103,000 | $284,000 | $70,000 | $215,000 |
| Debt-To-Income Ratio | 35 | $3,828,000 | $109,000 | $720,000 | $53,000 | $183,000 |
| Credit Application Incomplete | 33 | $3,512,000 | $106,000 | $239,000 | $81,000 | $762,000 |
| Other | 5 | $543,000 | $108,000 | $204,000 | $63,000 | $171,000 |
| Unverifiable Information | 3 | $500,000 | $166,000 | $228,000 | $156,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $174,000 | $87,000 | $89,000 | $63,000 | $70,000 |
| Employment History | 1 | $70,000 | $70,000 | $70,000 | $24,000 | $24,000 |
| 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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