Carroll County, MD Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 5,627 mortgage applications in Carroll County, MD totaling $1.6 billion, down 40% from 2022. The average application was for $276,000, and applicants reported an average income of $144,000. 58% of applications resulted in an originated loan and 15% were denied. The most active lender was Truist Bank, with 418 applications, followed by PNC Bank N.A. and PennyMac Loan Services LLC.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 5,627
Total Mortgage Loan Application Amount $1,554,315,000
Average Mortgage Loan Application Amount $276,000
Highest Mortgage Loan Application Amount $10,075,000
Average Applicant Income $144,000
Highest Applicant Income $3,785,000

Mortgage Company List for Lending in Carroll County, MD for 2023

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 418 $ 73,830,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 354 $ 53,150,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 268 $ 96,220,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 206 $ 26,450,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 178 $ 27,950,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,087,397,000 170 $ 20,630,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 160 $ 30,070,000
First Financial of Maryland Federal Credit Union
72 LOVETON CIRCLE
SPARKS GLENCOE, MD 21152
* $ 1,283,601,000 154 $ 18,380,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 153 $ 61,215,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 140 $ 53,610,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 5,264,689,000 138 $ 18,420,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 119 $ 42,805,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 97 $ 28,075,000
Acnb Bank
PO BOX 3129
GETTYSBURG, PA 17325
* $ 2,487,272,000 95 $ 10,535,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 89 $ 31,435,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 79 $ 24,495,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 72 $ 29,340,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 15,845,722,000 69 $ 25,415,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 66 $ 24,980,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 62 $ 24,430,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 56 $ 20,990,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 52 $ 7,530,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 51 $ 14,325,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 51 $ 18,505,000
Sandy Spring Bank
6831 BENJAMIN FRANKIN DRIVE
COLUMBIA, MD 21046
* $ 13,827,883,000 47 $ 13,235,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 46 $ 13,940,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 46 $ 18,430,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 45 $ 18,885,000
Point Breeze Credit Union
11104 MCCORMICK RD
HUNT VALLEY, MD 21031
* $ 947,158,000 43 $ 4,185,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 43 $ 15,845,000
Fulton Bank, National Association
ONE PENN SQUARE
LANCASTER, PA 17602
* $ 26,819,331,000 42 $ 16,670,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 39 $ 15,085,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,894,686,000 38 $ 10,800,000
Shore United Bank, N.A.
18 EAST DOVER STREET
EASTON, MD 21601
* $ 3,476,775,000 38 $ 15,640,000
Bay Capital Mortgage Corporation
801 COMPASS WAY
ANNAPOLIS, MD 21401
* $ -1,000 38 $ 15,700,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 38 $ 15,020,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 37 $ 9,705,000
Apl Federal Credit Union
11050 JOHNS HOPKINS ROAD
LAUREL, MD 20723
* $ 644,560,000 35 $ 2,555,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 34 $ 16,010,000
Members 1st FCU
5000 LOUISE DRIVE
ENOLA, PA 17025
* $ 6,987,615,000 34 $ 2,260,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 32 $ 14,780,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 32 $ 14,550,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 31 $ 9,005,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 30 $ 8,210,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 25 $ 7,715,000
Meridian Bank
9 OLD LINCOLN HIGHWAY
MALVERN, PA 19355
* $ 2,062,088,000 25 $ 8,205,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 24 $ 7,770,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 23 $ 8,045,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 23 $ 7,645,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 22 $ 9,710,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 22 $ 7,960,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 21 $ 9,175,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 21 $ 9,955,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 800,304,000 21 $ 8,495,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 19 $ 7,035,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 19 $ 1,835,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 19 $ 7,315,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 18 $ 11,110,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 17 $ 2,275,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 17 $ 6,975,000
Farmers and Merchants Bank
15226 HANOVER PIKE
UPPERCO, MD 21155
* $ 717,639,000 17 $ 6,295,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 24,967,889,000 17 $ 6,565,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 17 $ 6,835,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 16 $ 5,220,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 15 $ 3,465,000
First Heritage Mortgage, LLC
11325 RANDOM HILLS RD SUITE 600
FAIRFAX, VA 22031
* $ -1,000 15 $ 6,565,000
Securityplus FCU
4470 W NORTHERN PKWY
BALTIMORE, MD 21244
* $ 552,538,000 15 $ 2,575,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ -1,000 15 $ 6,945,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 14 $ 5,180,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 14 $ 660,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ -1,000 14 $ 5,220,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 13 $ 4,905,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 13 $ 3,475,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 13 $ 5,065,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 13 $ 5,015,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 13 $ 4,975,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 12 $ 4,440,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 12 $ 4,390,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 12 $ 910,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 12 $ 3,290,000
TD Bank

MOUNT LAUREL, NJ 08054
* $ 386,799,237,000 12 $ 5,090,000
Northrop Grumman Federal Credit Union
879 W 190TH ST 8TH FLOOR
GARDENA, CA 90248
* $ 1,554,446,000 11 $ 2,375,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 11 $ 2,515,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 11 $ 5,255,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 11 $ 4,085,000
Johns Hopkins FCU
2027 E MONUMENT STREET
BALTIMORE, MD 21224
* $ 633,809,000 11 $ 1,455,000
Fidelity Direct Mortgage, LLC
438 NORTH FREDERICK AVE SUITE 315
GAITHERSBURG, MD 20877
* $ -1,000 10 $ 3,780,000
Arundel Federal Savings Bank
655 CRAIN HIGHWAY, S.
GLEN BURNIE, MD 21061
* $ 429,911,000 10 $ 2,920,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 10 $ 4,570,000
Southern Trust Mortgage, LLC
295 BENDIX ROAD SUITE 400
VIRGINIA BEACH, VA 23452
* $ -1,000 10 $ 4,260,000
Homesale Mortgage
215 S. CENTERVILLE ROAD
LANCASTER, PA 17603
* $ -1,000 9 $ 3,285,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 475,000
Peoplesbank, A Codorus Valley
105 LEADER HEIGHTS RD
YORK, PA 17403
* $ 2,192,138,000 9 $ 3,695,000
Peake Federal Credit Union
23 WEST SUSQUEHANNA AVE
TOWSON, MD 21204
* $ 503,074,000 9 $ 735,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 9 $ 3,705,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 2,800,000
First Savings Mortgage Corporation
8444 WEST PARK DRIVE, THE 4TH FLOOR
MCLEAN, VA 22102
* $ -1,000 8 $ 2,880,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 8 $ 3,260,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 8 $ 3,480,000
Educational Systems FCU
PO BOX 179
GREENBELT, MD 20768
* $ 1,225,754,000 8 $ 690,000
Keystone Funding, Inc
519 S RED HAVEN LN
DOVER, DE 19901
* $ -1,000 8 $ 3,470,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 8 $ 3,140,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 7 $ 2,805,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 4,464,686,000 7 $ 3,275,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 7 $ 3,215,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 7 $ 2,535,000
Municipal Employees Credit Union
ONE SOUTH STREET
BALTIMORE, MD 21202
* $ 1,322,451,000 7 $ 615,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 7 $ 2,485,000
NVR Mortgage Finance, Inc.

PITTSBURGH, PA 15276
* $ -1,000 7 $ 2,165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 7 $ 2,705,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ -1,000 7 $ 2,495,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,112,771,000 7 $ 655,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 6 $ 2,890,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 2,040,000
Aberdeen Proving Ground FCU
PO BOX 1176
ABERDEEN, MD 21001
* $ 2,154,193,000 6 $ 1,150,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 1,870,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 6 $ 1,910,000
1st Financial, Inc.
1111 BENFIELD BLVD #106
MILLERSVILLE, MD 21108
* $ -1,000 6 $ 1,910,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 6 $ 2,400,000
Mortgage Equity Partners LLC
220 BROADWAY SUITE 205
LYNNFIELD, MA 01940
* $ -1,000 6 $ 1,980,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,918,941,000 6 $ 1,520,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 6 $ 2,580,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 6 $ 1,150,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 6 $ 1,820,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 9,106,184,000 5 $ 2,675,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 1,165,000
Rosedale Bank
9616 BELAIR ROAD
BALTIMORE, MD 21236
* $ 1,212,712,000 5 $ 4,125,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 2,265,000
Nextmark Federal Credit Union
4201 MEMBERS WAY
FAIRFAX, VA 22030
* $ 510,926,000 5 $ 705,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 5 $ 1,955,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 5 $ 2,565,000
Woodsboro Bank
5 N MAIN STREET PO BOX 36
WOODSBORO, MD 21798
* $ 399,464,000 5 $ 2,085,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 5 $ 1,735,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 5 $ 1,685,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 5 $ 245,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 11,281,243,000 5 $ 2,125,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 5 $ 2,045,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 4 $ 1,360,000
Vellum Mortgage, Inc.
12700 FAIR LAKES CIR SUITE 400
FAIRFAX, VA 22033
* $ -1,000 4 $ 1,730,000
Horizon Farm Credit, Aca
45 AILERON CT.
MECHANICSBURG, PA 17050
* $ -1,000 4 $ 1,690,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 4 $ 1,210,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ -1,000 4 $ 1,280,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 4 $ 1,040,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 4 $ 1,200,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 4 $ 1,360,000
Cazle Mortgage, Inc.
3 E HENRIETTA ST
BALTIMORE, MD 21220
* $ -1,000 4 $ 1,300,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 4 $ 1,860,000
Radius Financial Group Inc
600 LONGWATER DRIVE SUITE 107
NORWELL, MA 02061
* $ -1,000 4 $ 1,340,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 4 $ 1,250,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 3 $ 1,225,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 575,000
New Wave Lending Group Inc
17700 CASTLETON ST. #268
CITY OF INDUSTRY, CA 91748
* $ -1,000 3 $ 835,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 3 $ 1,295,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 1,355,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 3 $ 1,325,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 2,040,399,000 3 $ 765,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 2,703,475,000 3 $ 355,000
Utilities Employees Credit Union
11 MERIDIAN BLVD
WYOMISSING, PA 19610
* $ 1,302,495,000 3 $ 155,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 3 $ 605,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,430,409,000 3 $ 1,725,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 3 $ 805,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 735,000
McLean Mortgage Corporation
11325 RANDOM HILLS RD. SUITE 400
FAIRFAX, VA 22030
* $ -1,000 3 $ 1,405,000
Lafayette Federal Credit Union
2701 TOWER OAKS BLVD.,
ROCKVILLE, MD 20852
* $ 1,746,039,000 3 $ 575,000
Patriot FCU
PO BOX 778
CHAMBERSBURG, PA 17201
* $ 1,000,648,000 3 $ 115,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,154,561,000 3 $ 335,000
Skypoint FCU
19785 CRYSTAL ROCK DRIVE SUITE 201
GERMANTOWN, MD 20874
* $ 213,297,000 3 $ 175,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 3 $ 915,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ -1,000 3 $ 1,365,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 3 $ 1,015,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 3 $ 1,295,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 1,065,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 3 $ 1,145,000
Nymeo Federal Credit Union
5210 CHAIRMANS COURT
FREDERICK, MD 21703
* $ 354,457,000 3 $ 815,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 3 $ 935,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 2 $ 680,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 11,417,843,000 2 $ 1,410,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 2 $ 710,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 2 $ 1,000,000
Global Federal Credit Union
PO BOX 196850
ANCHORAGE, AK 99503
* $ 11,844,793,000 2 $ 150,000
Bank Fund Staff Federal Credit
1725 I STREET NW SUITE 150
WASHINGTON, DC 20006
* $ 6,461,833,000 2 $ 170,000
Ussfcu
2750 EISENHOWER AVENUE
ALEXANDRIA, VA 22314
* $ 1,261,724,000 2 $ 160,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ -1,000 2 $ 530,000
Kwik Mortgage Corporation
959 ROUTE 46 EAST, #401
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 860,000
Apple Federal Credit Union
4029 RIDGE TOP RD
FAIRFAX, VA 22030
* $ 4,163,201,000 2 $ 320,000
Millennium Financial Group Inc dba Mlend
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ -1,000 2 $ 880,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 620,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,502,081,000 2 $ 310,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 2 $ 850,000
Fedchoice Federal Credit Union
10001WILLOWDALERD
LANHAM, MD 20706
* $ 438,225,000 2 $ 100,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 900,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 2 $ 340,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 760,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 2 $ 500,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 570,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,739,271,000 2 $ 180,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 2 $ 630,000
Farmers Insurance Federal Credit Union
4601 WILSHIRE BL. STE 110
BURBANK, CA 91504
* $ 1,367,031,000 2 $ 310,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 2 $ 420,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 270,427,000 2 $ 500,000
Financial Freedom Mortgage, LLC
875 ROUTE 73 NORTH SUITE F
MOUNT LAUREL, NJ 08054
* $ -1,000 2 $ 600,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 620,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 2 $ 350,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 209,664,000,000 2 $ 1,210,000
Middletown Valley Bank
24 WEST MAIN STREET
MIDDLETOWN, MD 21769
* $ 930,088,000 2 $ 1,230,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 600,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,943,023,000 2 $ 180,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 2 $ 1,160,000
Congressional Federal Credit Union
10461 WHITE GRANITE DRIVE
OAKTON, VA 22124
* $ 1,254,936,000 2 $ 320,000
Loanleaders of America, Inc
38 EXECUTIVE PARK, SUITE 260
IRVINE, CA 92614
* $ -1,000 2 $ 440,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 2 $ 320,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 2 $ 760,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 770,000
Originpoint, LLC
1800 W LARCHMONT AVE SUITE 305
CHICAGO, IL 60613
* $ -1,000 2 $ 750,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 480,000
Gte Federal Credit Union
711 E HENDERSON AVENUE
TAMPA, FL 33602
* $ 2,885,583,000 2 $ 320,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 2 $ 920,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 2 $ 750,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 2 $ 280,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 42,076,662,000 1 $ 765,000
The Ephrata National Bank
31 EAST MAIN STREET PO BOX 457
EPHRATA, PA 17522
* $ 1,856,294,000 1 $ 175,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 755,000
BNC National Bank

BISMARCK, ND 58501
* $ 942,438,000 1 $ 285,000
All Credit Considered Mortgage, Inc.
1801 RESEARCH BLVD #410
ROCKVILLE, MD 20850
* $ -1,000 1 $ 435,000
Farmers and Merchants Trust Company of Chambersburg
20 SOUTH MAIN STREET
CHAMBERSBURG, PA 17201
* $ 1,699,086,000 1 $ 365,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 525,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 1 $ 45,000
Univest Bank and Trust Co.
PO BOX 197
SOUDERTON, PA 18964
* $ 7,207,694,000 1 $ 85,000
Mid-Atlantic FCU
12820 WISTERIA DRIVE
GERMANTOWN, MD 20874
* $ 416,456,000 1 $ 35,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 1,965,517,000 1 $ 45,000
Redwood Residential Acquisition Corporation
1 BELVEDERE PLACE
MILL VALLEY, CA 94951
* $ -1,000 1 $ 1,045,000
Langley Federal Credit Union
721 LAKEFRONT COMMONS, SUITE 102
NEWPORT NEWS, VA 23606
* $ 5,060,479,000 1 $ 35,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 27,409,758,000 1 $ 365,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 45,000
Citadel Federal Credit Union
520 EAGLEVIEW BLVD
EXTON, PA 19341
* $ 5,583,889,000 1 $ 125,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,342,081,000 1 $ 155,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 65,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 525,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ 531,826,000 1 $ 205,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 125,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 1 $ 395,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 435,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 295,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 265,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 205,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 275,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,555,530,000 1 $ 55,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 1,101,839,000 1 $ 55,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 465,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 176,980,258,000 1 $ 105,000
Resicentral LLC
700 LARKSPUR LANDING CIRCLE SUITE 199-18
LARKSPUR, CA 94939
* $ -1,000 1 $ 545,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 295,000
Firstrust Savings Bank
1 WALNUT GROVE DRIVE
HORSHAM, PA 19044
* $ 5,175,518,000 1 $ 125,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,172,623,000 1 $ 445,000
Southstar Bank SSB
100 S. MAIN
MOULTON, TX 77975
* $ 1,106,115,000 1 $ 365,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 1 $ 145,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 725,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 585,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 205,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 21,228,609,000 1 $ 75,000
Nih Federal Credit Union
111 ROCKVILLE PIKE, SUITE 500
ROCKVILLE, MD 20850
* $ 838,423,000 1 $ 65,000
Bankplus
1068 HIGHLAND COLONY PARKWAY
RIDGELAND, MS 39157
* $ 7,028,113,000 1 $ 425,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 1 $ 395,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 225,000
Community Bank of the Chesapeake
3035 LEONARDTOWN RD
WALDORF, MD 20601
* $ 2,408,423,000 1 $ 765,000
Franklin Loan Corporation
44800 VILLAGE COURT
PALM DESERT, CA 92260
* $ -1,000 1 $ 375,000
Southwest Airlines FCU
2340 SHORECREST
DALLAS, TX 75235
* $ 764,903,000 1 $ 65,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 4,471,539,000 1 $ 595,000
Cbm Mortgage, Inc.
912 HOMETOWN WAY
FRONT ROYAL, VA 22630
* $ -1,000 1 $ 315,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 1,005,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,890,541,000 1 $ 145,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 985,740,000 1 $ 165,000
Sharonview Federal CU
1081 RED VENTURES DR.
INDIAN LAND, SC 29707
* $ 1,947,436,000 1 $ 275,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 1 $ 145,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 465,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 305,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ -1,000 1 $ 425,000
United Nations Federal CU
24-01 44TH ROAD 7TH FLOOR
LONG ISLAND CITY, NY 11101
* $ 7,971,719,000 1 $ 375,000
Universal Mortgage & Finance, Inc
3158 BRAVERTON STREET SUITE 204
EDGEWATER, MD 21037
* $ -1,000 1 $ 525,000
Nationwide Equities Corporation
225 BRAE BLVD SUITE 202
PARK RIDGE, NJ 07656
* $ -1,000 1 $ 205,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 565,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,906,886,000 1 $ 525,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 8,876,888,000 1 $ 425,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,138,111,000 1 $ 85,000
Eaglebank
11931 TECH RD
BETHESDA, MD 20814
* $ 11,097,748,000 1 $ 505,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 605,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ 4,485,714,000 1 $ 55,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 165,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 345,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 1 $ 25,000
Agriculture Federal Credit Union
1400 INDEPENDENCE AVE SW
WASHINGTON, DC 20250
* $ 365,721,000 1 $ 25,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ 275,313,000 1 $ 45,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 375,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 325,000
Library of Congress Federal Credit Union
8100 PROFESSIONAL PL #308
HYATTSVILLE, MD 20785
* $ 299,880,000 1 $ 125,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ -1,000 1 $ 315,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 467,010,000 1 $ 335,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 305,000
First Credit Corporation of Ny, Inc.
21 NORTH MAIN STREET
GLOVERSVILLE, NY 12078
* $ -1,000 1 $ 125,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 235,000
Nrl Federal Credit Union
5440 CHEROKEE AVE SUITE 200
ALEXANDRIA, VA 22312
* $ 597,450,000 1 $ 105,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 1 $ 265,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 328,171,000 1 $ 255,000
Prince Georges Community FCU
15201 HALL ROAD
BOWIE, MD 20721
* $ 250,530,000 1 $ 85,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 405,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 245,000
Pgim Real Estate Agency Financing, LLC

DALLAS, TX 75201
* $ -1,000 1 $ 10,075,000
Primis Bank

GLEN ALLEN, VA 23060
* $ -1,000 1 $ 695,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 1 $ 425,000

The tables below break down 2023 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 2023

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 2,634 $1,057,160,000 $401,000 $2,405,000 $150,000 $3,785,000
Cash-out Refinancing 961 $232,045,000 $241,000 $1,065,000 $140,000 $2,526,000
Home Improvement 770 $73,250,000 $95,000 $855,000 $145,000 $2,275,000
Other Purpose 767 $79,995,000 $104,000 $805,000 $138,000 $958,000
Refinancing 479 $108,655,000 $226,000 $10,075,000 $125,000 $596,000
Not Applicable 16 $3,210,000 $200,000 $575,000 $114,000 $114,000

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 3,729 $912,075,000 $244,000 $2,405,000 $142,000 $2,900,000
Not Provided 625 $181,045,000 $289,000 $1,095,000 $146,000 $652,000
Not applicable 567 $223,755,000 $394,000 $10,075,000 $133,000 $896,000
Black or African American 264 $94,070,000 $356,000 $1,335,000 $174,000 $3,785,000
Hispanic 199 $61,505,000 $309,000 $1,205,000 $132,000 $1,236,000
Asian 174 $58,870,000 $338,000 $965,000 $146,000 $424,000
American Indian or Alaskan Native 32 $7,000,000 $218,000 $605,000 $109,000 $250,000
Native Hawaiian or Other Pacific Islander 1 $535,000 $535,000 $535,000 $112,000 $112,000

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) 4,484 $1,109,850,000 $247,000 $10,075,000 $148,000 $3,785,000
FHA-insured (Federal Housing Administration) 679 $238,185,000 $350,000 $645,000 $114,000 $550,000
VA-guaranteed (Veterans Administration) 412 $190,010,000 $461,000 $1,335,000 $141,000 $347,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 52 $16,270,000 $312,000 $525,000 $101,000 $133,000

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 3,252 $903,160,000 $277,000 $10,075,000 $146,000 $901,000
Application Denied By Financial Institution 844 $143,540,000 $170,000 $1,335,000 $127,000 $2,526,000
Application Withdrawn By Applicant 604 $194,630,000 $322,000 $1,205,000 $159,000 $3,785,000
Loan Purchased By The Institution 596 $226,650,000 $380,000 $1,125,000 $137,000 $1,340,000
File Closed For Incompleteness 224 $58,160,000 $259,000 $2,405,000 $143,000 $1,086,000
Application Approved But Not Accepted 101 $25,725,000 $254,000 $1,065,000 $127,000 $373,000
Preapproval Denied by Financial Institution 5 $1,845,000 $369,000 $645,000 $146,000 $219,000
Preapproval Approved but not Accepted 1 $605,000 $605,000 $605,000 $159,000 $159,000

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 4,713 $1,391,585,000 $295,000 $10,075,000 $146,000 $3,785,000
Debt-To-Income Ratio 372 $67,260,000 $180,000 $1,035,000 $107,000 $1,086,000
Credit History 242 $30,280,000 $125,000 $855,000 $140,000 $2,526,000
Collateral 103 $18,145,000 $176,000 $725,000 $153,000 $1,452,000
Credit Application Incomplete 90 $19,340,000 $214,000 $715,000 $152,000 $1,012,000
Other 67 $13,725,000 $204,000 $825,000 $188,000 $2,275,000
Unverifiable Information 17 $3,895,000 $229,000 $505,000 $113,000 $252,000
Insufficient Cash (Downpayment, Closing Cost) 12 $6,200,000 $516,000 $725,000 $159,000 $276,000
Employment History 10 $3,860,000 $386,000 $1,335,000 $113,000 $313,000
Mortgage Insurance Denied 1 $25,000 $25,000 $25,000 $81,000 $81,000

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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