Carroll County, OH Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,673 mortgage applications in Carroll County, OH totaling $248.8 million, up 6% from 2020. The average application was for $148,000, and applicants reported an average income of $83,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was Huntington National Bank, with 403 applications, followed by Consumers National Bank and Crosscountry Mortgage, 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 1,673
Total Mortgage Loan Application Amount $248,815,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $1,825,000
Average Applicant Income $83,000
Highest Applicant Income $1,037,000

Mortgage Company List for Lending in Carroll County, OH for 2021

* 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 403 $ 50,345,000
Consumers National Bank
614 EAST LINCOLN WAY
MINERVA, OH 44567
* $ 574,601,000 72 $ 8,450,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 47 $ 7,435,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 43 $ 4,935,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 42 $ 4,630,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 36 $ 4,690,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 34 $ 5,290,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 33 $ 3,645,000
Unified Bank
201 S 4TH STREET
MARTINS FERRY, OH 43935
* $ 684,875,000 33 $ 3,445,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 31 $ 5,095,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 29 $ 3,935,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 29 $ 4,615,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 25 $ 3,665,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 24 $ 4,460,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 4,000,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 24 $ 4,080,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 23 $ 4,035,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 23 $ 4,315,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 20 $ 4,770,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 19 $ 3,075,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 17 $ 1,405,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 17 $ 2,825,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ 2,432,103,000 15 $ 3,205,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 15 $ 2,615,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 3,439,822,000 14 $ 4,950,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 14 $ 2,400,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 13 $ 2,085,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 13 $ 2,585,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 8,288,367,000 13 $ 1,925,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 12 $ 1,560,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 12 $ 1,740,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 12 $ 1,080,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 11 $ 1,245,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 1,525,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 10 $ 1,380,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 1,205,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 9 $ 1,615,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 9 $ 1,855,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 9 $ 975,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 9 $ 1,725,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 8 $ 920,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 8 $ 2,070,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 7 $ 1,275,000
Seven Seventeen Credit Union
3181 LARCHMONT AVE.
WARREN, OH 44483
* $ 1,114,662,000 7 $ 815,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 6,167,493,000 7 $ 3,485,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 9,043,235,000 7 $ 1,765,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,335,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,270,000
Main Street Bank Corp
151 N. MARKET ST.
WOOSTER, OH 44691
* $ 493,771,000 6 $ 1,450,000
Stark Federal Credit Union
4100 DRESSLER RD. NW
CANTON, OH 44718
* $ 129,225,000 5 $ 165,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 5 $ 1,005,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 725,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 715,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 665,000
Canton School Employees Federal Credit Union
1380 MARKET AVE N
CANTON, OH 44714
* $ 276,065,000 5 $ 525,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 4 $ 540,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,924,103,000 4 $ 1,040,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 4 $ 470,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 350,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 4 $ 200,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 4 $ 500,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 8,528,848,000 4 $ 930,000
The Commercial & Savings Bank
91 NORTH CLAY STREET
MILLERSBURG, OH 44654
* $ 818,457,000 4 $ 870,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 660,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 4 $ 570,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 3 $ 245,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ -1,000 3 $ 265,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 475,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 645,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 205,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 165,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 435,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 635,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 305,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 3 $ 515,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 3 $ 255,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 345,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 3 $ 305,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 3 $ 355,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 260,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 410,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 220,000
The Cortland Savings and Banking Company
194 W. MAIN STREET
CORTLAND, OH 44410
* $ 733,844,000 2 $ 510,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 240,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 2 $ 210,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 270,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 2 $ 290,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 360,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 390,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 490,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,284,172,000 2 $ 260,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 2 $ 540,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 2 $ 250,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ -1,000 2 $ 240,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 1,480,441,000 2 $ 810,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 2 $ 340,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 2 $ 230,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 2 $ 530,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 2 $ 160,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 170,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 300,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 150,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 210,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 145,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 891,611,000 1 $ 75,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 275,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 105,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 1 $ 425,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 125,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 145,000
First Choice America Community
3501 MAIN STREET
WEIRTON, WV 26062
* $ 460,985,000 1 $ 65,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 2,304,000,000 1 $ 145,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 275,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 484,775,000 1 $ 295,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 315,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 335,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 305,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ 8,747,957,000 1 $ 555,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 235,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 145,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 15,674,361,000 1 $ 115,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 215,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 12,223,127,000 1 $ 35,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 105,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 10,624,748,000 1 $ 75,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 85,000
The Middlefield Banking Company
15985 E HIGH ST. PO BOX 35
MIDDLEFIELD, OH 44062
* $ 1,181,870,000 1 $ 135,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 55,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 1 $ 85,000
Orrstown Bank
4750 LINDLE RD
HARRISBURG, PA 17111
* $ 2,381,624,000 1 $ 95,000
Community Bank
100 NORTH MARKET STREET
CARMICHAELS, PA 15320
* $ 1,319,811,000 1 $ 105,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 185,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 35,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 115,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 837,096,000 1 $ 205,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 195,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 879,238,000 1 $ 465,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 75,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 165,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 155,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 205,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 205,000
Premium Security, Inc.
901 N GREEN VALLEY PKWY STE 200
HENDERSON, NV 89074
* $ -1,000 1 $ 255,000
United Bank VA

MORGANTOWN, WV 26505
* $ 19,644,548,000 1 $ 195,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 285,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 185,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 305,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 1 $ 115,000

The tables below break down 2021 mortgage applications in Carroll County, OH 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, OH in 2021

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 567 $82,385,000 $145,000 $585,000 $83,000 $1,030,000
Home Purchase 541 $96,955,000 $179,000 $1,825,000 $87,000 $1,037,000
Cash-out Refinancing 332 $50,310,000 $151,000 $605,000 $78,000 $428,000
Home Improvement 138 $10,950,000 $79,000 $255,000 $80,000 $209,000
Other Purpose 86 $7,220,000 $83,000 $405,000 $79,000 $221,000
Not Applicable 9 $995,000 $110,000 $205,000 $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 1,339 $196,245,000 $146,000 $775,000 $83,000 $1,037,000
Not Provided 237 $36,065,000 $152,000 $525,000 $78,000 $330,000
Not applicable 82 $14,160,000 $172,000 $1,825,000 $235,000 $296,000
Hispanic 9 $1,145,000 $127,000 $265,000 $92,000 $220,000
Black or African American 4 $610,000 $152,000 $305,000 $79,000 $194,000
Native Hawaiian or Other Pacific Islander 1 $125,000 $125,000 $125,000 $77,000 $77,000
Asian 1 $465,000 $465,000 $465,000 $0 $0
American Indian or Alaskan Native 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) 1,290 $190,400,000 $147,000 $1,825,000 $88,000 $1,037,000
FHA-insured (Federal Housing Administration) 206 $29,290,000 $142,000 $355,000 $53,000 $173,000
VA-guaranteed (Veterans Administration) 123 $22,075,000 $179,000 $445,000 $66,000 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 54 $7,050,000 $130,000 $245,000 $47,000 $94,000

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 997 $154,645,000 $155,000 $1,825,000 $88,000 $1,037,000
Application Denied By Financial Institution 242 $29,590,000 $122,000 $525,000 $62,000 $345,000
Application Withdrawn By Applicant 181 $27,295,000 $150,000 $535,000 $81,000 $468,000
File Closed For Incompleteness 103 $15,085,000 $146,000 $555,000 $80,000 $250,000
Loan Purchased By The Institution 98 $15,380,000 $156,000 $535,000 $96,000 $296,000
Application Approved But Not Accepted 49 $6,465,000 $131,000 $515,000 $78,000 $184,000
Preapproval Approved but not Accepted 3 $355,000 $118,000 $165,000 $53,000 $83,000
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 1,387 $214,475,000 $154,000 $1,825,000 $86,000 $1,037,000
Debt-To-Income Ratio 112 $14,670,000 $130,000 $525,000 $63,000 $427,000
Credit History 59 $5,455,000 $92,000 $385,000 $63,000 $185,000
Collateral 54 $6,010,000 $111,000 $405,000 $79,000 $345,000
Credit Application Incomplete 35 $4,915,000 $140,000 $395,000 $62,000 $154,000
Other 14 $1,450,000 $103,000 $275,000 $62,000 $159,000
Employment History 5 $985,000 $197,000 $295,000 $49,000 $72,000
Unverifiable Information 4 $520,000 $130,000 $185,000 $63,000 $109,000
Insufficient Cash (Downpayment, Closing Cost) 3 $335,000 $111,000 $155,000 $79,000 $120,000
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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