Clinton County, OH Mortgage Lenders & HMDA Data, 2014

In 2014, lenders reported 1,359 mortgage applications in Clinton County, OH totaling $151.2 million, down 26% from 2013. The average application was for $111,000, and applicants reported an average income of $65,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Fifth Third Mortgage Company, with 121 applications, followed by Wright Patt Credit Union Inc and The National Bank and Trust Co.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Ohio.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,359
Total Mortgage Loan Application Amount $151,191,000
Average Mortgage Loan Application Amount $111,000
Highest Mortgage Loan Application Amount $936,000
Average Applicant Income $65,000
Highest Applicant Income $2,187,000

Mortgage Company List for Lending in Clinton County, OH for 2014

* 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
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 127,428,329,000 121 $ 12,664,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 2,728,692,000 119 $ 11,653,000
The National Bank and Trust Co
48 N SOUTH STREET
WILMINGTON, OH 45177
* $ 637,708,000 109 $ 7,471,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,373,600,000,000 88 $ 10,026,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 71 $ 7,537,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 59,304,805,000 49 $ 5,239,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,459,127,000 42 $ 6,838,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,945,467,000,000 31 $ 4,015,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 360,478,278,000 30 $ 2,783,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 127,428,329,000 29 $ 2,813,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 28 $ 3,654,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 309,999,678,000 25 $ 2,775,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 929,782,000 21 $ 1,634,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,433,716,000,000 20 $ 2,350,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 20 $ 4,321,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 20 $ 2,128,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 18 $ 1,918,000
Warsaw Federal Savings and Loan Association
3533 WARSAW AVE
CINCINNATI, OH 45205
* $ 66,739,000 16 $ 1,417,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 16 $ 1,923,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 2,308,075,000 15 $ 1,711,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 14 $ 2,491,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 14 $ 662,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 13 $ 1,676,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 62,866,954,000 12 $ 1,683,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,662,890,000 10 $ 1,162,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 10 $ 849,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 179,126,294,000 10 $ 659,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 10 $ 1,018,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 10 $ 1,516,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ 427,645,000 9 $ 1,450,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 9 $ 1,185,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,499,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,884,304,000 8 $ 560,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,361,206,000 8 $ 1,192,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 8 $ 828,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,410,604,000 7 $ 825,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 17,638,918,000 7 $ 753,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 7 $ 805,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 813,894,000 7 $ 650,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 7 $ 715,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 6 $ 366,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 299,620,000 6 $ 1,828,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 90,439,767,000 6 $ 284,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 6 $ 713,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 6 $ 682,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,527,444,000 6 $ 534,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ 118,529,000 5 $ 420,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 505,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 5 $ 913,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 5 $ 536,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 79,339,664,000 5 $ 854,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 658,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,346,747,000,000 5 $ 526,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 5 $ 641,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 4 $ 481,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 4 $ 346,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 302,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 4 $ 427,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 55,502,976,000 4 $ 723,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 402,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,596,388,000 4 $ 275,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 1,912,238,000 4 $ 344,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 266,453,000 4 $ 537,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 4 $ 589,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 374,778,000 3 $ 416,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 168,648,000 3 $ 311,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 3 $ 316,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 3 $ 486,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 3 $ 260,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ 2,915,000 3 $ 360,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,261,678,000 3 $ 350,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,345,180,000 3 $ 475,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 584,000
Centerbank
744 STATE ROUTE 28
MILFORD, OH 45150
* $ 120,712,000 3 $ 256,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 245,863,000 3 $ 382,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 3 $ 475,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 2 $ 229,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 690,026,000 2 $ 105,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 302,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 234,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 943,388,000 2 $ 232,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 334,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 485,792,000 2 $ 851,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 410,770,000 2 $ 293,000
National Cooperative Bank N.A.
139 HIGH STREET
HILLSBORO, OH 45133
* $ 1,697,622,000 2 $ 108,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 319,800,000 2 $ 400,000
River Valley Credit Union
505 EARL BLVD
MIAMISBURG, OH 45342
* $ 226,312,000 2 $ 409,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 2 $ 207,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 171,261,678,000 2 $ 80,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 2 $ 297,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 286,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 245,000
Gmh Mortgage Services LLC
625 W RIDGE PIKE STE 100; BUILDING C
CONSHOHOCKEN, PA 19428
* $ 0 2 $ 261,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 2 $ 220,000
Sharefax Credit Union
1147 OLD STATE ROUTE 74
CINCINNATI, OH 45245
* $ 315,542,000 2 $ 220,000
Mb Financial Bank NA
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,624,027,000 2 $ 225,000
Heartland Federal Credit Union
3400 OFFICE PARK DRIVE
DAYTON, OH 45439
* $ 78,858,000 1 $ 79,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 664,841,000 1 $ 65,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 278,530,000 1 $ 125,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 6,124,988,000 1 $ 81,000
State Highway Patrol FCU
1900 POLARIS PARKWAY, SUITE 400
COLUMBUS, OH 43240
* $ 62,202,000 1 $ 105,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 127,807,000 1 $ 65,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 564,783,000 1 $ 7,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 1,739,769,000 1 $ 230,000
Peoples First Savings Bank
225 READING ROAD
MASON, OH 45040
* $ 57,664,000 1 $ 120,000
Homeland Credit Union
310 CALDWELL ST
CHILLICOTHE, OH 45601
* $ 350,727,000 1 $ 47,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 120,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 60,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 80,000
Rushmore Loan Management Servi
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ 117,300,000 1 $ 96,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 93,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ 2,458,000 1 $ 142,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ 1,435,000 1 $ 120,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 244,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 84,362,333,000 1 $ 58,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ 10,000,000 1 $ 140,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 5,573,160,000 1 $ 30,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 439,528,000 1 $ 79,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 91,286,152,000 1 $ 124,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 238,482,903,000 1 $ 82,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ 131,523,000 1 $ 5,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 1 $ 48,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 216,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 172,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 101,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 83,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 63,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 204,003,000 1 $ 11,000
American Savings Bank, FSB
503 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 254,648,000 1 $ 232,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 559,172,000 1 $ 185,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 800,870,000 1 $ 132,000
BNC National Bank

BISMARCK, ND 58501
* $ 841,451,000 1 $ 294,000
Gladewater National Bank
678 N MAIN
GLADEWATER, TX 75647
* $ 55,642,000 1 $ 88,000
Great Plains National Bank
5909 NW EXPRESSWAY
ELK CITY, OK 73644
* $ 539,275,000 1 $ 154,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,033,309,000 1 $ 25,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 1,861,646,000 1 $ 97,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,161,463,000 1 $ 100,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,351,095,000 1 $ 49,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ 5,598,000 1 $ 66,000
Citizens State Bank
13840 W. NEWBERRY RD
NEWBERRY, FL 32669
* $ 191,437,000 1 $ 10,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 108,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 88,000

The tables below break down 2014 mortgage applications in Clinton 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 Clinton County, OH in 2014

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 660 $76,873,000 $116,000 $775,000 $62,000 $2,187,000
Refinancing 590 $69,447,000 $117,000 $427,000 $67,000 $2,094,000
Home Improvement 109 $4,871,000 $44,000 $936,000 $69,000 $977,000

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 1,124 $122,894,000 $109,000 $936,000 $65,000 $2,094,000
Not Provided 103 $12,469,000 $121,000 $775,000 $110,000 $2,187,000
Not applicable 99 $11,571,000 $116,000 $376,000 $5,000 $119,000
Hispanic 15 $1,893,000 $126,000 $202,000 $56,000 $108,000
Black or African American 9 $1,094,000 $121,000 $300,000 $66,000 $171,000
American Indian or Alaskan Native 8 $1,165,000 $145,000 $360,000 $183,000 $743,000
Native Hawaiian or Other Pacific Islander 1 $105,000 $105,000 $105,000 $0 $0
Asian 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) 803 $86,430,000 $107,000 $936,000 $80,000 $2,187,000
FHA-insured (Federal Housing Administration) 274 $29,263,000 $106,000 $276,000 $45,000 $1,032,000
VA-guaranteed (Veterans Administration) 147 $22,431,000 $152,000 $427,000 $51,000 $200,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 135 $13,067,000 $96,000 $223,000 $32,000 $72,000

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 650 $76,083,000 $117,000 $936,000 $79,000 $2,187,000
Application Denied By Financial Institution 285 $28,053,000 $98,000 $435,000 $56,000 $302,000
Loan Purchased By The Institution 232 $26,384,000 $113,000 $427,000 $35,000 $167,000
Application Withdrawn By Applicant 96 $10,211,000 $106,000 $350,000 $58,000 $200,000
Application Approved But Not Accepted 69 $7,239,000 $104,000 $306,000 $72,000 $1,032,000
File Closed For Incompleteness 27 $3,221,000 $119,000 $350,000 $66,000 $219,000
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
Credit History 81 $6,712,000 $82,000 $350,000 $65,000 $296,000
Debt-To-Income Ratio 51 $5,035,000 $98,000 $232,000 $45,000 $150,000
Collateral 46 $5,286,000 $114,000 $435,000 $62,000 $222,000
Credit Application Incomplete 19 $1,765,000 $92,000 $246,000 $50,000 $180,000
Other 10 $1,248,000 $124,000 $250,000 $85,000 $302,000
Employment History 4 $276,000 $69,000 $90,000 $34,000 $41,000
Insufficient Cash (Downpayment, Closing Cost) 4 $257,000 $64,000 $113,000 $55,000 $115,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 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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