Carroll County, IN Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,241 mortgage applications in Carroll County, IN totaling $151.2 million, up 13% from 2018. The average application was for $121,000, and applicants reported an average income of $76,000. 56% of applications resulted in an originated loan and 17% were denied. The most active lender was First Merchants Bank, with 110 applications, followed by Regions Bank and Ruoff Mortgage Company.

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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 1,241
Total Mortgage Loan Application Amount $151,195,000
Average Mortgage Loan Application Amount $121,000
Highest Mortgage Loan Application Amount $1,055,000
Average Applicant Income $76,000
Highest Applicant Income $2,118,000

Mortgage Company List for Lending in Carroll County, IN for 2019

* 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
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 9,873,896,000 110 $ 10,230,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 100 $ 7,880,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 83 $ 11,755,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 13,914,274,000 70 $ 4,960,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,192,590,000 58 $ 7,050,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 4,241,335,000 56 $ 4,760,000
Industrial Federal C. U.
1115 SAGAMORE PARKWAY SOUTH
LAFAYETTE, IN 47905
* $ 190,634,000 37 $ 1,935,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 32 $ 4,570,000
Security Federal Savings Bank
314 4TH ST
LOGANSPORT, IN 46947
* $ 257,313,000 30 $ 4,290,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 26 $ 4,320,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 21 $ 2,835,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 21 $ 3,105,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 19 $ 2,575,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 2,610,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 18 $ 2,740,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 17 $ 2,155,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 1,850,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 16 $ 2,050,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,743,398,000 15 $ 2,295,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 13 $ 2,235,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 2,145,000
Solidarity Community Federal Credit Union
201 SOUTHWAY BLVD EAST
KOKOMO, IN 46902
* $ 271,785,000 12 $ 640,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 12 $ 1,680,000
The Fountain Trust Company
615 THIRD ST.
COVINGTON, IN 47932
* $ 369,699,000 12 $ 1,670,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 12 $ 800,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 10 $ 980,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 10 $ 2,290,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 10 $ 1,800,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 10 $ 1,250,000
Bank of Wolcott
PO BOX 336
WOLCOTT, IN 47995
* $ 164,950,000 10 $ 1,160,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 10 $ 1,480,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 10 $ 1,620,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 9 $ 2,085,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 9 $ 445,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 1,135,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 8 $ 850,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 865,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 1,085,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 7 $ 705,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 6 $ 800,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 6,289,875,000 6 $ 880,000
The Farmers Bank
9 E CLINTON ST
FRANKFORT, IN 46041
* $ 562,795,000 6 $ 510,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 700,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 6 $ 1,240,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 5 $ 395,000
Alliance Bank
101 W MONTGOMERY ST.
FRANCESVILLE, IN 47946
* $ 304,258,000 5 $ 935,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 825,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,223,748,000 5 $ 915,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 605,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 4 $ 430,000
X - Financial Builders FCU - Deconverted
2828 S. LAFOUNTAIN ST
KOKOMO, IN 46904
* $ 95,845,000 4 $ 250,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 4 $ 280,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 4 $ 310,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 4 $ 640,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 4 $ 650,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 590,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 4 $ 440,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 460,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 4 $ 610,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 4 $ 730,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 450,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 4 $ 430,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 440,000
Community First Bank of Ind
201 W SYCAMORE ST
KOKOMO, IN 46901
* $ 286,626,000 3 $ 575,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 145,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 485,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 265,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 3 $ 335,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 285,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 445,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 855,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 190,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 2 $ 100,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 280,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 2 $ 680,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 330,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 340,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,953,334,000 2 $ 490,000
Kentland Bank
PO BOX 145 612 E DUNLAP ST
KENTLAND, IN 47951
* $ 308,173,000 2 $ 260,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 360,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 2,002,618,000 2 $ 540,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 2 $ 340,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,416,759,000 2 $ 560,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 270,000
The Farmers & Merchants Bank
302 S. OLD U.S. HIGHWAY 41 P.O. BOX 519
BOSWELL, IN 47921
* $ 125,388,000 2 $ 360,000
Municipal Trust and Savings Bank
PO BOX 146
BOURBONNAIS, IL 60914
* $ 299,887,000 2 $ 290,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 200,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 2 $ 290,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 380,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 70,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 350,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 280,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,171,994,000 2 $ 200,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 1,536,062,000 1 $ 55,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 195,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 3,538,467,000 1 $ 105,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 496,495,000 1 $ 225,000
Oxford Bank & Trust
1111 W. 22ND STREET #800
OAK BROOK, IL 60523
* $ 560,757,000 1 $ 35,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 215,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 165,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 175,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 245,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 1 $ 115,000
Primetrust Financial Federal C
3700 W BETHEL AVE
MUNCIE, IN 47304
* $ 158,702,000 1 $ 45,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 185,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 125,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 820,261,000 1 $ 265,000
Demotte State Bank
PO BOX 400
DEMOTTE, IN 46310
* $ 417,499,000 1 $ 265,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 65,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 1 $ 25,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 245,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 473,202,000 1 $ 195,000
Lake Mortgage Company Inc
4000 W. LINCOLN HIGHWAY
MERRILLVILLE, IN 46410
* $ -1,000 1 $ 185,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 165,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 125,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 187,387,000 1 $ 65,000
Fowler State Bank
300 E 5TH ST
FOWLER, IN 47944
* $ 166,918,000 1 $ 145,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,039,284,000 1 $ 65,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 175,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 75,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,750,944,000 1 $ 145,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 25,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 165,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 1 $ 145,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 720,844,000 1 $ 65,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 85,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 195,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 375,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 115,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,645,028,000 1 $ 35,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 165,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 666,879,000 1 $ 25,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 125,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 165,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 1 $ 235,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 185,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 105,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 205,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 125,000
Financial Center First Credit Union
7101 E 56TH STREET
INDIANAPOLIS, IN 46226
* $ 560,227,000 1 $ 35,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 5,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 85,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 165,000
Credit Union 1
200 EAST CHAMPAIGN AVENUE
RANTOUL, IL 61866
* $ 845,294,000 1 $ 355,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 1,055,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 165,000

The tables below break down 2019 mortgage applications in Carroll County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Carroll County, IN in 2019

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 553 $80,045,000 $144,000 $495,000 $75,000 $2,118,000
Cash-out Refinancing 218 $29,690,000 $136,000 $1,055,000 $78,000 $744,000
Refinancing 214 $25,300,000 $118,000 $405,000 $69,000 $304,000
Other Purpose 153 $10,345,000 $67,000 $295,000 $88,000 $1,041,000
Home Improvement 92 $4,860,000 $52,000 $185,000 $70,000 $167,000
Not Applicable 11 $955,000 $86,000 $145,000 $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 1,051 $125,205,000 $119,000 $1,055,000 $76,000 $2,118,000
Not applicable 98 $13,460,000 $137,000 $405,000 $70,000 $163,000
Not Provided 76 $10,270,000 $135,000 $325,000 $86,000 $1,041,000
Hispanic 13 $1,835,000 $141,000 $345,000 $76,000 $135,000
Black or African American 2 $390,000 $195,000 $205,000 $54,000 $58,000
American Indian or Alaskan Native 1 $35,000 $35,000 $35,000 $91,000 $91,000
Asian 0 $0 $0 $0 $0 $0
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) 877 $100,715,000 $114,000 $1,055,000 $83,000 $2,118,000
FHA-insured (Federal Housing Administration) 211 $27,775,000 $131,000 $315,000 $53,000 $161,000
VA-guaranteed (Veterans Administration) 85 $14,875,000 $175,000 $355,000 $66,000 $240,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 68 $7,830,000 $115,000 $225,000 $47,000 $71,000

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 694 $87,290,000 $125,000 $505,000 $82,000 $2,118,000
Application Denied By Financial Institution 208 $17,130,000 $82,000 $375,000 $63,000 $464,000
Application Withdrawn By Applicant 131 $19,045,000 $145,000 $1,055,000 $70,000 $394,000
Loan Purchased By The Institution 114 $16,100,000 $141,000 $405,000 $70,000 $185,000
Application Approved But Not Accepted 54 $6,470,000 $119,000 $295,000 $84,000 $272,000
File Closed For Incompleteness 40 $5,160,000 $129,000 $375,000 $57,000 $160,000
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
Not applicable 964 $124,990,000 $129,000 $1,055,000 $79,000 $2,118,000
Debt-To-Income Ratio 119 $13,845,000 $116,000 $405,000 $70,000 $240,000
Credit History 74 $4,810,000 $65,000 $295,000 $61,000 $198,000
Collateral 46 $3,570,000 $77,000 $235,000 $61,000 $145,000
Credit Application Incomplete 16 $1,820,000 $113,000 $235,000 $100,000 $464,000
Other 10 $1,360,000 $136,000 $295,000 $82,000 $240,000
Unverifiable Information 6 $440,000 $73,000 $125,000 $56,000 $88,000
Insufficient Cash (Downpayment, Closing Cost) 5 $325,000 $65,000 $95,000 $43,000 $62,000
Employment History 1 $35,000 $35,000 $35,000 $68,000 $68,000
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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