Carroll County, MD Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 7,591 mortgage applications in Carroll County, MD totaling $2.3 billion, up 17% from 2024. The average application was for $302,000, and applicants reported an average income of $155,000. 55% of applications resulted in an originated loan and 13% were denied. The most active lender was PNC Bank N.A., with 402 applications, followed by PennyMac Loan Services LLC and Truist 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 7,591
Total Mortgage Loan Application Amount $2,295,605,000
Average Mortgage Loan Application Amount $302,000
Highest Mortgage Loan Application Amount $13,505,000
Average Applicant Income $155,000
Highest Applicant Income $8,495,000

Mortgage Company List for Lending in Carroll County, MD 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
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 402 $ 57,530,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 387 $ 144,535,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 353 $ 65,495,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 274 $ 95,770,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 241 $ 101,965,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 241 $ 51,975,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 215 $ 35,485,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 213 $ 42,855,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ n/a 179 $ 36,995,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 164 $ 72,390,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ n/a 164 $ 28,090,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 150 $ 44,420,000
First Financial of Maryland Federal Credit Union
72 LOVETON CIRCLE
SPARKS GLENCOE, MD 21152
* $ n/a 140 $ 20,260,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 111 $ 11,155,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ n/a 102 $ 41,140,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 98 $ 23,520,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 96 $ 34,460,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 91 $ 7,965,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 89 $ 7,235,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 87 $ 37,115,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 83 $ 22,835,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ n/a 80 $ 19,550,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 79 $ 27,375,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 79 $ 27,805,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 77 $ 37,495,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ n/a 76 $ 31,580,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 76 $ 33,390,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 74 $ 28,750,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 74 $ 29,380,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 62 $ 12,940,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 60 $ 25,990,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ n/a 56 $ 23,510,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 55 $ 25,285,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 54 $ 24,230,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ n/a 54 $ 17,800,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 52 $ 9,580,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 51 $ 20,345,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 50 $ 18,710,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 49 $ 19,915,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 48 $ 12,070,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 45 $ 12,925,000
Apl Federal Credit Union
11050 JOHNS HOPKINS ROAD
LAUREL, MD 20723
* $ n/a 44 $ 4,460,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 42 $ 6,520,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 42 $ 11,940,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 39 $ 7,985,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ n/a 39 $ 16,785,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ n/a 37 $ 13,825,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ n/a 37 $ 14,025,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 37 $ 14,175,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 36 $ 13,960,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 36 $ 10,560,000
Bay Capital Mortgage Corporation
801 COMPASS WAY
ANNAPOLIS, MD 21401
* $ n/a 34 $ 13,690,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 33 $ 7,265,000
Farmers and Merchants Bank
15226 HANOVER PIKE
UPPERCO, MD 21155
* $ n/a 33 $ 11,155,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 33 $ 10,975,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 31 $ 14,235,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 31 $ 12,785,000
Point Breeze Credit Union
11104 MCCORMICK RD
HUNT VALLEY, MD 21031
* $ n/a 30 $ 6,200,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 28 $ 11,520,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 27 $ 4,835,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 27 $ 3,555,000
Shore United Bank, N.A.
18 EAST DOVER STREET
EASTON, MD 21601
* $ n/a 26 $ 9,130,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ n/a 24 $ 2,880,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 22 $ 7,730,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 22 $ 9,860,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 22 $ 10,550,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 21 $ 8,575,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 21 $ 8,515,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 20 $ 10,710,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 19 $ 7,495,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 19 $ 7,655,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 18 $ 6,450,000
Mortgage Equity Partners LLC
220 BROADWAY SUITE 205
LYNNFIELD, MA 01940
* $ n/a 17 $ 7,205,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 17 $ 7,685,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 17 $ 6,655,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 17 $ 1,155,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 16 $ 6,890,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 15 $ 4,225,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 15 $ 3,155,000
Educational Systems FCU
PO BOX 179
GREENBELT, MD 20768
* $ n/a 15 $ 2,305,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 15 $ 7,095,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 15 $ 5,315,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ n/a 14 $ 11,830,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ n/a 14 $ 5,120,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 14 $ 7,450,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 13 $ 6,445,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 13 $ 3,195,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ n/a 13 $ 5,015,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ n/a 13 $ 5,105,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 13 $ 5,945,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ n/a 13 $ 5,285,000
Aberdeen Proving Ground FCU
PO BOX 1176
ABERDEEN, MD 21001
* $ n/a 12 $ 2,590,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ n/a 12 $ 5,500,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 12 $ 1,060,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ n/a 12 $ 2,860,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 12 $ 3,630,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 11 $ 4,305,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ n/a 11 $ 3,015,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 11 $ 5,085,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ n/a 11 $ 1,925,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 11 $ 4,545,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 10 $ 4,400,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 10 $ 3,470,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 10 $ 2,910,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 10 $ 3,740,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 10 $ 2,560,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 9 $ 3,185,000
Total Mortgage Services, LLC
185 PLAINS ROAD
MILFORD, CT 06461
* $ n/a 9 $ 4,125,000
Peake Federal Credit Union
23 WEST SUSQUEHANNA AVE
TOWSON, MD 21204
* $ n/a 9 $ 755,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 9 $ 3,445,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 9 $ 3,215,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 9 $ 2,825,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 9 $ 2,125,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 8 $ 3,200,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 8 $ 3,390,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 8 $ 3,970,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 8 $ 2,480,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 8 $ 1,180,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 8 $ 2,370,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ n/a 8 $ 2,720,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ n/a 8 $ 4,150,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 8 $ 3,250,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 8 $ 3,160,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 7 $ 3,185,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 7 $ 2,175,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 7 $ 3,315,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 7 $ 2,445,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 2,395,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 7 $ 3,345,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 7 $ 385,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 7 $ 2,495,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ n/a 7 $ 3,575,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ n/a 7 $ 2,805,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ n/a 7 $ 545,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 7 $ 2,135,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 6 $ 3,150,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 6 $ 2,570,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 6 $ 1,970,000
Municipal Employees Credit Union
ONE SOUTH STREET
BALTIMORE, MD 21202
* $ n/a 6 $ 950,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 6 $ 1,990,000
United Bank VA

MORGANTOWN, WV 26505
* $ n/a 6 $ 2,820,000
City Lending Inc.
8150 LEESBURG PIKE SUITE 405
VIENNA, VA 22182
* $ n/a 6 $ 2,530,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 6 $ 1,420,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 6 $ 560,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 6 $ 560,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 6 $ 2,270,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ n/a 6 $ 2,780,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 6 $ 2,970,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 5 $ 2,035,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 5 $ 2,295,000
Mde Home Loans LLC
766 SHREWSBURY AVENUE
TINTON FALLS, NJ 07724
* $ n/a 5 $ 3,455,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ n/a 5 $ 2,315,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 5 $ 1,165,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 5 $ 2,685,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 5 $ 1,475,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 5 $ 545,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ n/a 5 $ 715,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 5 $ 2,775,000
Johns Hopkins FCU
2027 E MONUMENT STREET
BALTIMORE, MD 21224
* $ n/a 5 $ 485,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 2,085,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ n/a 5 $ 1,285,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ n/a 5 $ 1,915,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 2,385,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 4 $ 880,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 4 $ 600,000
Homesale Mortgage
215 S. CENTERVILLE ROAD
LANCASTER, PA 17603
* $ n/a 4 $ 1,010,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 4 $ 1,160,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 4 $ 2,150,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ n/a 4 $ 480,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ n/a 4 $ 1,780,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 4 $ 1,380,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ n/a 4 $ 1,730,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 4 $ 1,530,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 4 $ 2,210,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 4 $ 1,200,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 4 $ 1,510,000
Nmsi, Inc.
3700 WILSHIRE BLVD. STE. 330
LOS ANGELES, CA 90010
* $ n/a 3 $ 1,095,000
Arundel Federal Savings Bank
655 CRAIN HIGHWAY, S.
GLEN BURNIE, MD 21061
* $ n/a 3 $ 785,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ n/a 3 $ 1,045,000
Trumark Financial Credit Union
335 COMMERCE DRIVE
FORT WASHINGTON, PA 19034
* $ n/a 3 $ 1,105,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 3 $ 865,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 1,245,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 3 $ 925,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 3 $ 555,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 785,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 3 $ 1,265,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ n/a 3 $ 2,185,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 3 $ 2,125,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 3 $ 1,255,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 3 $ 615,000
Bayvanguard Bank
7114 NORTH POINT ROAD
BALTIMORE, MD 21236
* $ n/a 3 $ 1,275,000
Securityplus FCU
4470 W NORTHERN PKWY
BALTIMORE, MD 21244
* $ n/a 3 $ 1,245,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ n/a 3 $ 1,095,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ n/a 3 $ 275,000
Universal Mortgage & Finance, Inc
3158 BRAVERTON STREET SUITE 204
EDGEWATER, MD 21037
* $ n/a 3 $ 1,005,000
Select Lending Services, LLC

SAN RAMON, CA 94583
* $ n/a 3 $ 1,595,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 3 $ 895,000
1st Financial, Inc.
1111 BENFIELD BLVD #106
MILLERSVILLE, MD 21108
* $ n/a 3 $ 1,525,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 3 $ 595,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ n/a 3 $ 275,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 3 $ 1,605,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 3 $ 1,595,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 3 $ 1,875,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 3 $ 1,565,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ n/a 2 $ 1,100,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 2 $ 1,490,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 2 $ 210,000
Jarrettsville Federal Savings & Loan Association
3706 NORRISVILLE ROAD
JARRETTSVILLE, MD 21084
* $ n/a 2 $ 840,000
Federated Mortgage Corp
1301 GRANDVIEW AVE SUITE #100
PITTSBURGH, PA 15211
* $ n/a 2 $ 1,310,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 2 $ 420,000
Pfn Lending Group, Inc.
5016 N PARKWAY CALABASAS
CALABASAS, CA 91302
* $ n/a 2 $ 320,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 610,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ n/a 2 $ 680,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 2 $ 510,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 2 $ 410,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 2 $ 760,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 2 $ 810,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 780,000
Hartford Funding, Ltd.
100 CROSSWAYS PARK DRIVE WEST SUITE 302
WOODBURY, NY 11797
* $ n/a 2 $ 840,000
Home Mortgage Alliance Corp (Hmac)
4 HUTTON CENTER DR. SUITE 500
SANTA ANA, CA 92707
* $ n/a 2 $ 200,000
Financial Freedom Mortgage, LLC
875 ROUTE 73 NORTH SUITE F
MOUNT LAUREL, NJ 08054
* $ n/a 2 $ 780,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ n/a 2 $ 760,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 2 $ 1,060,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 2 $ 650,000
Millennium Financial Group Inc dba Mlend
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ n/a 2 $ 1,390,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 2 $ 510,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 2 $ 1,170,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 670,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ n/a 2 $ 170,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 2 $ 780,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ n/a 2 $ 110,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 570,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ n/a 2 $ 1,110,000
Rosedale Bank
9616 BELAIR ROAD
BALTIMORE, MD 21236
* $ n/a 2 $ 990,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 2 $ 1,280,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ n/a 2 $ 290,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 2 $ 27,010,000
Clearedge Lending LLC
20 ENTERPRISE SUITE 350
ALISO VIEJO, CA 92656
* $ n/a 1 $ 135,000
Queenstown Bank of Maryland
P.O. BOX 120
QUEENSTOWN, MD 21658
* $ n/a 1 $ 365,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 525,000
Middletown Valley Bank
24 WEST MAIN STREET
MIDDLETOWN, MD 21769
* $ n/a 1 $ 545,000
Fm Home Loans LLC
2329 NOSTRAND AVE, 3RD FLOOR
BROOKLYN, NY 11210
* $ n/a 1 $ 495,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 1 $ 505,000
Sun East Federal Credit Union
4500 PENNELL ROAD
ASTON, PA 19014
* $ n/a 1 $ 205,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 1 $ 375,000
Mortgageone, Inc
2714 LOKER AVE WEST SUITE 300
CARLSBAD, CA 92010
* $ n/a 1 $ 545,000
Aaa Capital Investment, Inc
41 E LIVE OAK AVE
ARCADIA, CA 91006
* $ n/a 1 $ 295,000
Watermark Capital, Inc.
100 SPECTRUM CENTER DR STE 150
IRVINE, CA 92618
* $ n/a 1 $ 375,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 305,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 385,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 165,000
Acre Mortgage & Financial, Inc.
70 EAST MAIN STREET
MARLTON, NJ 08053
* $ n/a 1 $ 395,000
Conventus Lending LLC
111 POTRERO AVE
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 315,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 605,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ n/a 1 $ 355,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 375,000
Emporium Tpo LLC

FRISCO, TX 75034
* $ n/a 1 $ 275,000
Reliant Home Funding, Inc
445 BROADHOLLOW RD SUITE 334
MELVILLE, NY 11747
* $ n/a 1 $ 755,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ n/a 1 $ 275,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 455,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 315,000
Mid Penn Bank
349 UNION STREET
MILLERSBURG, PA 17061
* $ n/a 1 $ 635,000
Skyla Federal Credit Union
718 CENTRAL AVENUE
CHARLOTTE, NC 28209
* $ n/a 1 $ 105,000
Genesis Capital, LLC
15303 VENTURA BLVD, STE. 700
SHERMAN OAKS, CA 91403
* $ n/a 1 $ 315,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 1 $ 5,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ n/a 1 $ 205,000
BNY Mellon, N.A.

BOSTON, MA 02108
* $ n/a 1 $ 315,000
Harford Bank
8 W BEL AIR AVE
ABERDEEN, MD 21001
* $ n/a 1 $ 95,000
Stride Bank, National Association
324 WEST BROADWAY AVENUE
ENID, OK 73701
* $ n/a 1 $ 315,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 455,000
Citadel Federal Credit Union
520 EAGLEVIEW BLVD
EXTON, PA 19341
* $ n/a 1 $ 255,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 255,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ n/a 1 $ 125,000
Woodsboro Bank
5 N MAIN STREET PO BOX 36
WOODSBORO, MD 21798
* $ n/a 1 $ 175,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 1 $ 55,000
Library of Congress Federal Credit Union
8100 PROFESSIONAL PL #308
HYATTSVILLE, MD 20785
* $ n/a 1 $ 155,000
Cbre Multifamily Capital, Inc.

HOUSTON, TX 77079
* $ n/a 1 $ 7,535,000
My Mortgage, Inc
2191 DEFENSE HWY UNIT 304B
CROFTON, MD 21114
* $ n/a 1 $ 295,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ n/a 1 $ 805,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ n/a 1 $ 415,000
Capital Center LLC
4510 COX ROAD STE 402
GLEN ALLEN, VA 23060
* $ n/a 1 $ 455,000
Skypoint FCU
19785 CRYSTAL ROCK DRIVE SUITE 201
GERMANTOWN, MD 20874
* $ n/a 1 $ 45,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ n/a 1 $ 45,000
The Freedom Bank of Virginia
10555 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 495,000
Mid-Atlantic FCU
12820 WISTERIA DRIVE
GERMANTOWN, MD 20874
* $ n/a 1 $ 165,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ n/a 1 $ 185,000
Mortgage Financial Services
10922 COURSEY BLVD. BLDG. B
BATON ROUGE, LA 70816
* $ n/a 1 $ 535,000
New Wave Lending Group Inc
17700 CASTLETON ST. #268
CITY OF INDUSTRY, CA 91748
* $ n/a 1 $ 325,000
American Security Mortgage Cor
2101 REXFORD RD. SUITE 100E
CHARLOTTE, NC 28207
* $ n/a 1 $ 325,000
Prince Georges Community FCU
15201 HALL ROAD
BOWIE, MD 20721
* $ n/a 1 $ 165,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 585,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 1 $ 45,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 405,000
Loanflight Lending, Llc.
201 N FRANKLIN ST STE 3440
TAMPA, FL 33634
* $ n/a 1 $ 395,000
Real Genius LLC
1625 S CONGRESS AVE STE 190
DELRAY BEACH, FL 33445
* $ n/a 1 $ 705,000
Rev Federal Credit Union
200 MARYMEADE DRIVE
SUMMERVILLE, SC 29483
* $ n/a 1 $ 475,000
Franklin Mint Federal Credit Union
5 HILLMAN DRIVE
CHADDS FORD, PA 19317
* $ n/a 1 $ 375,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ n/a 1 $ 495,000
Linkbank
32 W MARKET STREET
CAMP HILL, PA 17011
* $ n/a 1 $ 1,805,000
Nymeo Federal Credit Union
5210 CHAIRMANS COURT
FREDERICK, MD 21703
* $ n/a 1 $ 295,000
Bison State Bank
223 MAIN ST
BISON, KS 67520
* $ n/a 1 $ 895,000
Ladera Lending, Inc.
555 CORPORATE DRIVE SUITE 215
LADERA RANCH, CA 92694
* $ n/a 1 $ 615,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 515,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 225,000
Belco Community Credit Union
449 EISENHOWER BLVD
HARRISBURG, PA 17111
* $ n/a 1 $ 65,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ n/a 1 $ 335,000
Proponent FCU
536 WASHINGTON AVE.
NUTLEY, NJ 07110
* $ n/a 1 $ 315,000
Ithink Financial Credit Union
1000 NW 17TH AVENUE
DELRAY BEACH, FL 33445
* $ n/a 1 $ 625,000
Jams-01 Inc dba Home Savings & Trust Mortgage
JAMS-01, INC. 3701 PENDER DRIVE #150
FAIRFAX, VA 22030
* $ n/a 1 $ 525,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 135,000
Geo-Corp, Inc.
901 CORPORATE CENTER DRIVE, STE 401
MONTEREY PARK, CA 91754
* $ n/a 1 $ 715,000
Nih Federal Credit Union
111 ROCKVILLE PIKE, SUITE 500
ROCKVILLE, MD 20850
* $ n/a 1 $ 105,000
Industrial Bank
4812 GEORGIA AVE., NW
WASHINGTON, DC 20011
* $ n/a 1 $ 605,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ n/a 1 $ 685,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 525,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 425,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ n/a 1 $ 315,000
Wings Financial Credit Union
14985 GLAZIER AVENUE
APPLE VALLEY, MN 55124
* $ n/a 1 $ 185,000
Emet Lending Group, Inc.
2601 SATURN ST SUITE 200
BREA, CA 92821
* $ n/a 1 $ 435,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ n/a 1 $ 245,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 115,000

The tables below break down 2025 mortgage applications in Carroll County, MD 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, MD 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 3,076 $1,297,190,000 $421,000 $2,185,000 $168,000 $8,495,000
Cash-out Refinancing 1,338 $326,210,000 $243,000 $1,265,000 $145,000 $1,938,000
Refinancing 1,237 $457,485,000 $369,000 $13,505,000 $145,000 $604,000
Other Purpose 1,024 $106,570,000 $104,000 $705,000 $147,000 $1,345,000
Home Improvement 907 $106,205,000 $117,000 $5,105,000 $156,000 $1,998,000
Not Applicable 9 $1,945,000 $216,000 $445,000 $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 4,987 $1,348,895,000 $270,000 $2,185,000 $153,000 $8,495,000
Not applicable 883 $391,085,000 $442,000 $13,505,000 $134,000 $489,000
Not Provided 866 $265,410,000 $306,000 $1,435,000 $170,000 $2,491,000
Black or African American 286 $106,280,000 $371,000 $1,255,000 $163,000 $1,028,000
Hispanic 274 $85,460,000 $311,000 $845,000 $143,000 $1,314,000
Asian 251 $86,975,000 $346,000 $1,215,000 $164,000 $604,000
American Indian or Alaskan Native 37 $8,755,000 $236,000 $935,000 $138,000 $358,000
Native Hawaiian or Other Pacific Islander 7 $2,745,000 $392,000 $895,000 $146,000 $397,000

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) 6,014 $1,602,120,000 $266,000 $13,505,000 $159,000 $8,495,000
FHA-insured (Federal Housing Administration) 910 $350,170,000 $384,000 $745,000 $119,000 $646,000
VA-guaranteed (Veterans Administration) 618 $326,000,000 $527,000 $2,185,000 $166,000 $1,200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $17,315,000 $353,000 $535,000 $112,000 $162,000

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 4,205 $1,294,785,000 $307,000 $13,505,000 $163,000 $8,495,000
Application Denied By Financial Institution 968 $189,030,000 $195,000 $2,185,000 $127,000 $1,236,000
Application Withdrawn By Applicant 919 $304,175,000 $330,000 $1,255,000 $161,000 $1,998,000
Loan Purchased By The Institution 915 $365,275,000 $399,000 $1,275,000 $137,000 $2,395,000
File Closed For Incompleteness 362 $93,590,000 $258,000 $1,315,000 $142,000 $845,000
Application Approved But Not Accepted 212 $44,970,000 $212,000 $825,000 $145,000 $423,000
Preapproval Approved but not Accepted 9 $3,545,000 $393,000 $505,000 $168,000 $262,000
Preapproval Denied by Financial Institution 1 $235,000 $235,000 $235,000 $147,000 $147,000

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 6,572 $2,091,730,000 $318,000 $13,505,000 $160,000 $8,495,000
Debt-To-Income Ratio 360 $74,910,000 $208,000 $1,185,000 $101,000 $400,000
Credit History 239 $35,785,000 $149,000 $1,005,000 $132,000 $1,236,000
Credit Application Incomplete 159 $32,455,000 $204,000 $725,000 $154,000 $1,095,000
Collateral 124 $27,170,000 $219,000 $2,185,000 $154,000 $586,000
Other 80 $18,010,000 $225,000 $605,000 $141,000 $331,000
Unverifiable Information 30 $7,190,000 $239,000 $725,000 $157,000 $537,000
Insufficient Cash (Downpayment, Closing Cost) 22 $7,060,000 $320,000 $645,000 $125,000 $274,000
Employment History 5 $1,295,000 $259,000 $385,000 $119,000 $205,000
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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