Champaign County, OH Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,399 mortgage applications in Champaign County, OH totaling $155.0 million, down 17% from 2010. The average application was for $110,000, and applicants reported an average income of $62,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was JPMorgan Chase Bank, NA, with 132 applications, followed by Wells Fargo Bank NA and Fifth Third Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,399 |
| Total Mortgage Loan Application Amount | $155,004,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,234,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,511,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 132 | $ 14,500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 112 | $ 12,583,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 92 | $ 7,916,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 87 | $ 8,824,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,495,558,000 | 85 | $ 7,226,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 66 | $ 7,931,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 538,410,000 | 65 | $ 5,141,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 61 | $ 7,260,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,124,635,000 | 54 | $ 6,009,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 49 | $ 6,315,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 27 | $ 3,034,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 23 | $ 2,220,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 21 | $ 2,652,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 21 | $ 2,710,000 |
| Civista Bank 100 EAST WATER ST SANDUSKY, OH 44870 |
* | $ 1,096,340,000 | 21 | $ 2,056,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 1,997,721,000 | 20 | $ 1,115,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 20 | $ 5,567,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 19 | $ 2,376,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 17 | $ 1,823,000 |
| Market Mortgage Co., Ltd. 330 E. WILSON BRIDGE ROAD, SUITE 100 WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 12 | $ 1,386,000 |
| Home City Federal Savings Bank 2454 N. LIMESTONE ST. SPRINGFIELD, OH 45503 |
* | $ 145,810,000 | 12 | $ 1,451,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 11 | $ 1,762,000 |
| Ih Credit Union 5000 URBANA RD. SPRINGFIELD, OH 45502 |
* | $ 244,262,000 | 11 | $ 1,302,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 11 | $ 1,681,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,509,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,348,107,000 | 10 | $ 564,000 |
| New Carlisle Federal Savings Bank 400 N MAIN ST., P.O. BOX 245 NEW CARLISLE, OH 45344 |
* | $ 94,328,000 | 10 | $ 1,354,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,356,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 9 | $ 926,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 8 | $ 1,317,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 8 | $ 909,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 8 | $ 1,146,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 8 | $ 872,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 800,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 7 | $ 780,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 7 | $ 800,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 7 | $ 922,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 7 | $ 745,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 7 | $ 625,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 596,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 6 | $ 284,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 6 | $ 923,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 241,311,000 | 5 | $ 73,000 |
| The Richwood Banking Company 28 N. FRANKLIN ST. RICHWOOD, OH 43344 |
* | $ 325,354,000 | 5 | $ 249,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 5 | $ 533,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 669,000 |
| Liberty National Bank 100 EAST FRANKLIN STREET KENTON, OH 43326 |
* | $ 203,102,000 | 5 | $ 694,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 441,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 4 | $ 462,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 479,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 4 | $ 497,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 4 | $ 390,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 4 | $ 412,000 |
| Heartland Federal Credit Union 3400 OFFICE PARK DRIVE DAYTON, OH 45439 |
* | $ 83,233,000 | 3 | $ 316,000 |
| Incenta 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 68,977,000 | 3 | $ 259,000 |
| Provident Funding Group Inc 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ 2,200,000,000 | 3 | $ 395,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 3 | $ 265,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 562,591,000 | 3 | $ 282,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 3 | $ 375,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 400,000 |
| The Equitable Mortgage Corporation 655 METRO PLACE SOUTH SUITE 500 DUBLIN, OH 43017 |
* | $ 10,000,000 | 3 | $ 435,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 3 | $ 430,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 3 | $ 323,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,237,352,000 | 3 | $ 179,000 |
| Merchants National Bank 100 NORTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 568,841,000 | 2 | $ 170,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 66,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 76,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 172,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 167,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 252,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 11,750,980,000 | 2 | $ 341,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 2 | $ 122,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 2 | $ 464,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 169,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 2 | $ 286,000 |
| Telhio Credit Union, Inc. 96 N. 4TH STREET COLUMBUS, OH 43215 |
* | $ 434,067,000 | 2 | $ 145,000 |
| Day Air Credit Union 3501 WILMINGTON PIKE KETTERING, OH 45429 |
* | $ 214,627,000 | 2 | $ 202,000 |
| Insight Bank 150 W WILSON BRIDGE RD WORTHINGTON, OH 43081 |
* | $ 132,835,000 | 2 | $ 174,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 593,579,000 | 2 | $ 127,000 |
| Bmi Federal Credit Union 6165 EMERALD PARKWAY DUBLIN, OH 43016 |
* | $ 365,175,000 | 2 | $ 257,000 |
| Delaware Cty B & Tc 110 RIVERBEND AVENUE POWELL, OH 43065 |
* | $ 565,057,000 | 2 | $ 127,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 136,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 2 | $ 212,000 |
| The Covington Savings and Loan Association PO BOX 188 COVINGTON, OH 45318 |
* | $ 62,039,000 | 2 | $ 88,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 553,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 655,826,000 | 2 | $ 172,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 2 | $ 301,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 263,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 998,891,000 | 2 | $ 254,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 2 | $ 291,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 7,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 148,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 148,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 540,392,000 | 1 | $ 231,000 |
| Minster Bank 95 W FOURTH ST MINSTER, OH 45865 |
* | $ 306,841,000 | 1 | $ 62,000 |
| Heartland Bank 430 N HAMILTON ROAD WHITEHALL, OH 43213 |
* | $ 536,026,000 | 1 | $ 8,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 1 | $ 151,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 161,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 218,320,000 | 1 | $ 76,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 1 | $ 165,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 554,644,000 | 1 | $ 5,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 213,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 165,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 816,770,000 | 1 | $ 62,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 86,000 |
| Superior Federal Credit Union 4230 ELIDA RD LIMA, OH 45807 |
* | $ 341,915,000 | 1 | $ 98,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,753,046,000 | 1 | $ 37,000 |
| Old Fort Banking Company 8034 MAIN STREET OLD FORT, OH 44861 |
* | $ 369,819,000 | 1 | $ 208,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 611,577,000 | 1 | $ 124,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 274,760,000 | 1 | $ 58,000 |
| Midtown Bank & Trust Company 712 WEST PEACHTREE ST ATLANTA, GA 30308 |
* | $ 197,967,000 | 1 | $ 97,000 |
| Graystone Tower Bank 1826 GOOD HOPE RD ENOLA, PA 17025 |
* | $ 2,745,490,000 | 1 | $ 87,000 |
| Treadwell Credit Union 4988 WAGNER FORD ROAD DAYTON, OH 45414 |
* | $ 86,736,000 | 1 | $ 67,000 |
| Western Credit Union 750 GEORGESVILLE RD COLUMBUS, OH 43228 |
* | $ 61,932,000 | 1 | $ 85,000 |
| Universal 1 Credit Union Inc. P.O. BOX 467 DAYTON, OH 45409 |
* | $ 346,754,000 | 1 | $ 110,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 109,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 56,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 10,833,007,000 | 1 | $ 137,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 232,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 1 | $ 90,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 103,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 43,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 98,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 148,000 |
| Main Street Financial 9953 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 8,801,000 | 1 | $ 102,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 15,180,000 | 1 | $ 248,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 124,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 585,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 159,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 110,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 112,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 120,000 |
The tables below break down 2011 mortgage applications in Champaign 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 Champaign County, OH in 2011
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 | 898 | $106,858,000 | $118,000 | $1,234,000 | $65,000 | $1,368,000 |
| Home Purchase | 410 | $44,601,000 | $108,000 | $400,000 | $52,000 | $885,000 |
| Home Improvement | 91 | $3,545,000 | $38,000 | $225,000 | $76,000 | $1,511,000 |
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 | 1,191 | $129,665,000 | $108,000 | $1,234,000 | $64,000 | $1,511,000 |
| Not applicable | 97 | $11,561,000 | $119,000 | $305,000 | $28,000 | $1,368,000 |
| Not Provided | 93 | $11,023,000 | $118,000 | $370,000 | $65,000 | $900,000 |
| Hispanic | 7 | $1,640,000 | $234,000 | $539,000 | $66,000 | $219,000 |
| Black or African American | 6 | $471,000 | $78,000 | $109,000 | $49,000 | $63,000 |
| American Indian or Alaskan Native | 3 | $409,000 | $136,000 | $200,000 | $187,000 | $448,000 |
| Asian | 1 | $91,000 | $91,000 | $91,000 | $46,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $144,000 | $144,000 | $144,000 | $83,000 | $83,000 |
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) | 931 | $101,754,000 | $109,000 | $1,234,000 | $72,000 | $1,511,000 |
| FHA-insured (Federal Housing Administration) | 287 | $33,094,000 | $115,000 | $274,000 | $45,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 112 | $11,383,000 | $101,000 | $232,000 | $37,000 | $86,000 |
| VA-guaranteed (Veterans Administration) | 69 | $8,773,000 | $127,000 | $207,000 | $36,000 | $97,000 |
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 | 674 | $74,291,000 | $110,000 | $607,000 | $67,000 | $1,511,000 |
| Application Denied By Financial Institution | 298 | $30,597,000 | $102,000 | $400,000 | $63,000 | $885,000 |
| Loan Purchased By The Institution | 211 | $24,498,000 | $116,000 | $280,000 | $35,000 | $236,000 |
| Application Withdrawn By Applicant | 111 | $13,564,000 | $122,000 | $1,234,000 | $74,000 | $1,149,000 |
| Application Approved But Not Accepted | 76 | $9,142,000 | $120,000 | $539,000 | $76,000 | $900,000 |
| File Closed For Incompleteness | 29 | $2,912,000 | $100,000 | $205,000 | $43,000 | $196,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 74 | $9,711,000 | $131,000 | $400,000 | $79,000 | $885,000 |
| Credit History | 63 | $5,673,000 | $90,000 | $205,000 | $60,000 | $315,000 |
| Credit Application Incomplete | 42 | $4,202,000 | $100,000 | $321,000 | $65,000 | $250,000 |
| Debt-To-Income Ratio | 37 | $3,413,000 | $92,000 | $243,000 | $41,000 | $96,000 |
| Other | 20 | $2,363,000 | $118,000 | $285,000 | $66,000 | $115,000 |
| Unverifiable Information | 5 | $415,000 | $83,000 | $112,000 | $55,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $625,000 | $125,000 | $185,000 | $59,000 | $83,000 |
| Mortgage Insurance Denied | 1 | $176,000 | $176,000 | $176,000 | $94,000 | $94,000 |
| Employment History | 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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