Clay County, IN Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,420 mortgage applications in Clay County, IN totaling $187.2 million, about the same as 2020. The average application was for $131,000, and applicants reported an average income of $74,000. 66% of applications resulted in an originated loan and 11% were denied. The most active lender was Riddell National Bank, with 242 applications, followed by Ruoff Mortgage Company and First Financial Bank NA.
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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 | 1,420 |
| Total Mortgage Loan Application Amount | $187,240,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $581,000 |
* 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 |
|---|---|---|---|---|
| Riddell National Bank 1 EAST NATIONAL AVE BRAZIL, IN 47834 |
* | $ 238,717,000 | 242 | $ 31,030,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 179 | $ 24,575,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 3,918,468,000 | 136 | $ 14,530,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 67 | $ 6,635,000 |
| The Hometown Savings Bank 533 OHIO ST (PO BOX 9629) TERRE HAUTE, IN 47807 |
* | $ 350,358,000 | 55 | $ 7,845,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,907,914,000 | 51 | $ 5,705,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 48 | $ 6,220,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 31 | $ 4,435,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 26 | $ 3,340,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 24 | $ 4,500,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 24 | $ 2,320,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 21 | $ 3,365,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ -1,000 | 20 | $ 3,450,000 |
| Crane Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 617,543,000 | 19 | $ 2,615,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 15 | $ 1,475,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 1,960,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 14 | $ 2,240,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 10,624,748,000 | 13 | $ 1,475,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 12 | $ 1,450,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 3,348,046,000 | 12 | $ 1,000,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 11 | $ 1,945,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 10 | $ 940,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 10 | $ 1,760,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 9 | $ 485,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,385,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 9 | $ 1,575,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 14,434,311,000 | 9 | $ 775,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 890,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 8 | $ 1,120,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 8 | $ 1,090,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 900,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 7 | $ 1,875,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 595,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 7 | $ 1,745,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 7 | $ 775,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 7 | $ 1,505,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 7 | $ 1,225,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 6 | $ 500,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 6 | $ 960,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 6 | $ 500,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 6 | $ 520,000 |
| Owen County State Bank 201 W MORGAN ST SPENCER, IN 47460 |
* | $ 232,449,000 | 6 | $ 920,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 5 | $ 1,145,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 5 | $ 485,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 5 | $ 415,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 715,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 4 | $ 380,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 4 | $ 570,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 4 | $ 1,180,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 4 | $ 540,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 4 | $ 480,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 305,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 3 | $ 465,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 385,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 3 | $ 295,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 525,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 3 | $ 415,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 345,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 295,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 3 | $ 225,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 445,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 2 | $ 370,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 12,430,349,000 | 2 | $ 190,000 |
| Toyota Financial Savings Bank 2485 VILLAGE VIEW DRIVE, SUITE 200 HENDERSON, NV 89074 |
* | $ 1,047,759,000 | 2 | $ 540,000 |
| First National Bank 302 S MAIN ST CLOVERDALE, IN 46120 |
* | $ 313,638,000 | 2 | $ 290,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 230,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 110,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 2 | $ 760,000 |
| Citizens Bank 33 N INDIANA ST MOORESVILLE, IN 46158 |
* | $ 486,622,000 | 2 | $ 220,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 190,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 2 | $ 200,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 280,000 |
| Colten Mortgage, LLC 6021 S SYRACUSE WAY STE 104 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 2 | $ 320,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 460,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 330,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 1,687,713,000 | 2 | $ 400,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 959,563,000 | 2 | $ 440,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 2 | $ 110,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 125,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 145,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 145,000 |
| Jackson County Bank 125 S CHESTNUT ST SEYMOUR, IN 47274 |
* | $ 589,584,000 | 1 | $ 435,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 55,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 185,000 |
| Home Bank SB PO BOX 1677 MARTINSVILLE, IN 46151 |
* | $ 329,899,000 | 1 | $ 205,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 185,000 |
| Triumph Bank 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 837,096,000 | 1 | $ 505,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 55,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 75,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 315,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 45,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 1 | $ 85,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 75,000 |
| The Poples State Bank 601 E TEMPERANCE ST ELLETTSVILLE, IN 47429 |
* | $ 306,743,000 | 1 | $ 285,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 185,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 125,000 |
| Regional FCU 7144 KENNEDY AVE HAMMOND, IN 46323 |
* | $ 138,403,000 | 1 | $ 55,000 |
| Hoosier Heartland State Bank 1400 DARLINGTON AVE CRAWFORDSVILLE, IN 47933 |
* | $ 203,283,000 | 1 | $ 75,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 406,921,000 | 1 | $ 745,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 135,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 85,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,789,845,000 | 1 | $ 55,000 |
| Indiana University CU PO BOX 368 BLOOMINGTON, IN 47401 |
* | $ 1,144,998,000 | 1 | $ 225,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 135,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 225,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 95,000 |
| Mjw Financial LLC dba Mjw Mortgage 8465 KEYSTONE CROSSING #145 INDIANAPOLIS, IN 46240 |
* | $ -1,000 | 1 | $ 135,000 |
| Advisors Mortgage Group, LLC 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ -1,000 | 1 | $ 235,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 145,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 155,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 125,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 105,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 355,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 65,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 629,553,000 | 1 | $ 195,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 275,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 155,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 1 | $ 195,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 245,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 135,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 195,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 387,236,000 | 1 | $ 25,000 |
| First Federal Savings Bank PO BOX 1111 EVANSVILLE, IN 47706 |
* | $ 452,750,000 | 1 | $ 165,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 25,000 |
The tables below break down 2021 mortgage applications in Clay County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Clay County, IN 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 586 | $86,150,000 | $147,000 | $765,000 | $67,000 | $425,000 |
| Refinancing | 389 | $48,865,000 | $125,000 | $745,000 | $77,000 | $581,000 |
| Cash-out Refinancing | 340 | $45,880,000 | $134,000 | $445,000 | $80,000 | $430,000 |
| Home Improvement | 50 | $3,220,000 | $64,000 | $325,000 | $89,000 | $300,000 |
| Other Purpose | 47 | $2,665,000 | $56,000 | $365,000 | $80,000 | $323,000 |
| Not Applicable | 8 | $460,000 | $57,000 | $105,000 | $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 | 1,213 | $157,765,000 | $130,000 | $765,000 | $73,000 | $581,000 |
| Not applicable | 93 | $14,495,000 | $155,000 | $745,000 | $285,000 | $430,000 |
| Not Provided | 83 | $11,205,000 | $135,000 | $345,000 | $83,000 | $230,000 |
| Hispanic | 13 | $1,545,000 | $118,000 | $255,000 | $74,000 | $165,000 |
| American Indian or Alaskan Native | 7 | $555,000 | $79,000 | $155,000 | $32,000 | $63,000 |
| Black or African American | 6 | $780,000 | $130,000 | $365,000 | $38,000 | $61,000 |
| Asian | 3 | $415,000 | $138,000 | $275,000 | $105,000 | $160,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $365,000 | $365,000 | $365,000 | $115,000 | $115,000 |
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) | 966 | $126,350,000 | $130,000 | $765,000 | $81,000 | $581,000 |
| FHA-insured (Federal Housing Administration) | 203 | $24,095,000 | $118,000 | $355,000 | $54,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 130 | $15,650,000 | $120,000 | $325,000 | $43,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 121 | $21,145,000 | $174,000 | $495,000 | $66,000 | $177,000 |
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 | 931 | $123,735,000 | $132,000 | $745,000 | $76,000 | $581,000 |
| Application Denied By Financial Institution | 152 | $18,220,000 | $119,000 | $765,000 | $66,000 | $295,000 |
| Application Withdrawn By Applicant | 138 | $18,180,000 | $131,000 | $485,000 | $65,000 | $425,000 |
| Loan Purchased By The Institution | 94 | $14,550,000 | $154,000 | $505,000 | $139,000 | $430,000 |
| File Closed For Incompleteness | 54 | $6,310,000 | $116,000 | $295,000 | $78,000 | $300,000 |
| Application Approved But Not Accepted | 50 | $6,080,000 | $121,000 | $475,000 | $58,000 | $151,000 |
| Preapproval Approved but not Accepted | 1 | $165,000 | $165,000 | $165,000 | $45,000 | $45,000 |
| 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 | 1,211 | $160,715,000 | $132,000 | $745,000 | $73,000 | $430,000 |
| Debt-To-Income Ratio | 83 | $12,615,000 | $151,000 | $765,000 | $96,000 | $581,000 |
| Credit History | 56 | $4,900,000 | $87,000 | $375,000 | $63,000 | $162,000 |
| Collateral | 26 | $3,780,000 | $145,000 | $445,000 | $75,000 | $209,000 |
| Credit Application Incomplete | 20 | $2,340,000 | $117,000 | $365,000 | $55,000 | $184,000 |
| Other | 14 | $2,070,000 | $147,000 | $635,000 | $77,000 | $267,000 |
| Unverifiable Information | 6 | $520,000 | $86,000 | $215,000 | $46,000 | $146,000 |
| Employment History | 2 | $140,000 | $70,000 | $105,000 | $57,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $85,000 | $25,000 | $33,000 |
| 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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