Clinton County, IN Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,652 mortgage applications in Clinton County, IN totaling $230.2 million, down 17% from 2021. The average application was for $139,000, and applicants reported an average income of $74,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was The Farmers Bank, with 235 applications, followed by Regions Bank and Ruoff Mortgage Company.

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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 1,652
Total Mortgage Loan Application Amount $230,240,000
Average Mortgage Loan Application Amount $139,000
Highest Mortgage Loan Application Amount $4,205,000
Average Applicant Income $74,000
Highest Applicant Income $2,912,000

Mortgage Company List for Lending in Clinton County, IN for 2022

* 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
The Farmers Bank
9 E CLINTON ST
FRANKFORT, IN 46041
* $ 768,088,000 235 $ 23,615,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 216 $ 19,260,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 181 $ 29,875,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 15,432,095,000 75 $ 7,155,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,761,471,000 35 $ 10,525,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 32 $ 5,240,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 32 $ 5,450,000
Encompass Federal Credit Union
201 N MAIN ST
TIPTON, IN 46072
* $ 233,821,000 32 $ 3,690,000
Industrial Federal C. U.
1115 SAGAMORE PARKWAY SOUTH
LAFAYETTE, IN 47905
* $ 291,220,000 31 $ 1,465,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 30 $ 4,250,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 27 $ 3,855,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 24 $ 4,450,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 23 $ 3,625,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 22 $ 3,520,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 21 $ 3,895,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 21 $ 3,585,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 20 $ 2,570,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 2,720,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 16 $ 2,460,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 14 $ 1,830,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 13 $ 2,245,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 13 $ 2,525,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 13 $ 645,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 1,475,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 12 $ 1,720,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 12 $ 2,020,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 2,015,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 10 $ 1,690,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 10 $ 430,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 10 $ 1,480,000
The Fountain Trust Company
615 THIRD ST.
COVINGTON, IN 47932
* $ 601,635,000 10 $ 2,070,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 10 $ 720,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 1,200,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,880,387,000 10 $ 940,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 9 $ 895,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 1,405,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 9 $ 1,795,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 2,429,620,000 9 $ 945,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 7,338,072,000 9 $ 1,215,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 9 $ 1,635,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 8 $ 1,440,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 1,840,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,190,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 7 $ 875,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 2,073,754,000 7 $ 325,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 1,335,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 7 $ 1,045,000
The Home National Bank of Thorntown
117 E MAIN STREET
THORNTOWN, IN 46071
* $ 157,894,000 6 $ 670,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 930,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 6 $ 500,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 6 $ 1,460,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 5 $ 815,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 5 $ 375,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 315,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 1,135,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 5 $ 785,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 5 $ 865,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 720,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 700,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 340,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ 9,011,033,000 4 $ 200,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 4 $ 510,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 4 $ 190,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 150,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 4 $ 620,000
Solidarity Community Federal Credit Union
201 SOUTHWAY BLVD EAST
KOKOMO, IN 46902
* $ 314,123,000 4 $ 430,000
North Salem State Bank
PO BOX 97
NORTH SALEM, IN 46165
* $ 532,972,000 4 $ 220,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 3 $ 595,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 635,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 3 $ 355,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 315,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 305,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 3 $ 425,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 3 $ 185,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 875,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 3 $ 995,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 3 $ 475,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 3 $ 315,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 3 $ 565,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 3 $ 735,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 4,499,550,000 3 $ 295,000
Security Federal Savings Bank
314 4TH ST
LOGANSPORT, IN 46947
* $ 353,774,000 3 $ 4,405,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 240,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 2 $ 240,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 360,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 410,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 240,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 160,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 2 $ 460,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 2 $ 210,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 440,000
X - Financial Builders FCU - Deconverted
2828 S. LAFOUNTAIN ST
KOKOMO, IN 46904
* $ 134,472,000 2 $ 110,000
Financial Center First Credit Union
7101 E 56TH STREET
INDIANAPOLIS, IN 46226
* $ 817,314,000 2 $ 90,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 210,000
Hoosier Heartland State Bank
1400 DARLINGTON AVE
CRAWFORDSVILLE, IN 47933
* $ 271,973,000 2 $ 310,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 2 $ 380,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 250,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 280,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 120,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 260,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 350,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 190,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 320,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 8,096,004,000 1 $ 55,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 105,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 255,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 135,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 3,092,880,000 1 $ 205,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 165,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 6,639,234,000 1 $ 485,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 245,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 145,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 75,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 285,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 105,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 525,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 1 $ 285,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 105,000
The Farmers & Merchants Bank
302 S. OLD U.S. HIGHWAY 41 P.O. BOX 519
BOSWELL, IN 47921
* $ 178,355,000 1 $ 135,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 1 $ 125,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 265,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 1 $ 125,000
Tucker Mortgage, LLC
9201 N MERIDIAN ST, STE 200
INDIANAPOLIS, IN 46260
* $ -1,000 1 $ 225,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 75,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 6,719,007,000 1 $ 175,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 155,000
Milestone Home Lending, LLC
1100 VIRGINIA DRIVE, SUITE 125
FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 435,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 135,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 1 $ 435,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 135,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 315,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 195,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 75,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 1 $ 215,000
Community First Bank of Ind
201 W SYCAMORE ST
KOKOMO, IN 46901
* $ 556,452,000 1 $ 4,205,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 1 $ 25,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 1 $ 425,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 295,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ -1,000 1 $ 605,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 155,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 55,000
Oaktree Funding Corp
1298 WEST 7TH STREET
CHANDLER, AZ 85226
* $ -1,000 1 $ 105,000
Alliance Bank
101 W MONTGOMERY ST.
FRANCESVILLE, IN 47946
* $ 390,346,000 1 $ 125,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ 2,987,938,000 1 $ 105,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 55,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 115,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 215,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 105,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 205,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 255,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 55,000
Mjw Financial LLC dba Mjw Mortgage
8465 KEYSTONE CROSSING #145
INDIANAPOLIS, IN 46240
* $ -1,000 1 $ 165,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ -1,000 1 $ 25,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 1 $ 75,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 165,000
State Bank
900 E. 56TH STREET
BROWNSBURG, IN 46112
* $ 711,234,000 1 $ 185,000

The tables below break down 2022 mortgage applications in Clinton 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 Clinton County, IN in 2022

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 746 $138,700,000 $185,000 $4,205,000 $73,000 $2,912,000
Cash-out Refinancing 349 $45,755,000 $131,000 $605,000 $69,000 $726,000
Refinancing 232 $27,360,000 $117,000 $555,000 $74,000 $320,000
Home Improvement 203 $12,055,000 $59,000 $365,000 $85,000 $500,000
Other Purpose 116 $6,000,000 $51,000 $255,000 $72,000 $268,000
Not Applicable 6 $370,000 $61,000 $165,000 $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 1,216 $153,390,000 $126,000 $735,000 $75,000 $2,912,000
Not Provided 147 $20,455,000 $139,000 $555,000 $73,000 $274,000
Hispanic 136 $18,610,000 $136,000 $485,000 $64,000 $726,000
Not applicable 133 $35,275,000 $265,000 $4,205,000 $64,000 $93,000
American Indian or Alaskan Native 9 $1,295,000 $143,000 $325,000 $78,000 $115,000
Black or African American 7 $745,000 $106,000 $165,000 $70,000 $100,000
Asian 2 $250,000 $125,000 $135,000 $29,000 $29,000
Native Hawaiian or Other Pacific Islander 1 $125,000 $125,000 $125,000 $39,000 $39,000

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) 1,174 $152,410,000 $129,000 $4,205,000 $79,000 $2,912,000
FHA-insured (Federal Housing Administration) 310 $49,860,000 $160,000 $425,000 $59,000 $163,000
VA-guaranteed (Veterans Administration) 94 $17,410,000 $185,000 $515,000 $66,000 $144,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 74 $10,560,000 $142,000 $275,000 $49,000 $86,000

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 999 $140,885,000 $141,000 $4,205,000 $78,000 $2,912,000
Application Denied By Financial Institution 270 $29,740,000 $110,000 $4,165,000 $60,000 $496,000
Application Withdrawn By Applicant 157 $24,795,000 $157,000 $655,000 $71,000 $322,000
Loan Purchased By The Institution 125 $20,925,000 $167,000 $515,000 $75,000 $155,000
File Closed For Incompleteness 55 $6,635,000 $120,000 $315,000 $67,000 $320,000
Application Approved But Not Accepted 46 $7,260,000 $157,000 $555,000 $77,000 $254,000
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
Not applicable 1,122 $172,940,000 $154,000 $4,205,000 $73,000 $2,912,000
Debt-To-Income Ratio 332 $34,620,000 $104,000 $655,000 $82,000 $521,000
Credit History 103 $7,815,000 $75,000 $315,000 $63,000 $496,000
Collateral 43 $3,705,000 $86,000 $485,000 $60,000 $128,000
Credit Application Incomplete 23 $3,675,000 $159,000 $385,000 $69,000 $231,000
Other 15 $1,395,000 $93,000 $285,000 $66,000 $134,000
Unverifiable Information 6 $950,000 $158,000 $315,000 $37,000 $80,000
Employment History 4 $620,000 $155,000 $225,000 $51,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 4 $4,520,000 $1,130,000 $4,165,000 $62,000 $75,000
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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