Darke County, OH Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,605 mortgage applications in Darke County, OH totaling $248.2 million, up 13% from 2024. The average application was for $154,000, and applicants reported an average income of $89,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was Newrez LLC, with 183 applications, followed by Greenville National Bank and The Park National 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 1,605
Total Mortgage Loan Application Amount $248,165,000
Average Mortgage Loan Application Amount $154,000
Highest Mortgage Loan Application Amount $1,375,000
Average Applicant Income $89,000
Highest Applicant Income $3,859,000

Mortgage Company List for Lending in Darke County, OH for 2025

* 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
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 183 $ 32,675,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ n/a 133 $ 26,415,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 116 $ 11,720,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 82 $ 9,280,000
Greenville Federal
690 WAGNER AVE
GREENVILLE, OH 45331
* $ n/a 68 $ 10,770,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 63 $ 5,635,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ n/a 47 $ 6,695,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 42 $ 4,720,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 41 $ 4,505,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 36 $ 6,520,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 35 $ 6,135,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 32 $ 5,650,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 31 $ 6,115,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 28 $ 5,940,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 25 $ 3,015,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 23 $ 4,275,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 19 $ 1,615,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 19 $ 3,615,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 17 $ 2,705,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 16 $ 2,710,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 16 $ 3,910,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 16 $ 590,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 15 $ 2,675,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 15 $ 1,535,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 14 $ 2,520,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 14 $ 2,630,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 13 $ 1,935,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 12 $ 2,470,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 12 $ 2,010,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 12 $ 2,170,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 11 $ 3,685,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 2,080,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 700,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 10 $ 610,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 9 $ 1,915,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 565,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 8 $ 1,910,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ n/a 8 $ 2,240,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 8 $ 1,600,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ n/a 8 $ 820,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 7 $ 1,545,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 7 $ 925,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 7 $ 675,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 6 $ 430,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 6 $ 390,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 6 $ 1,260,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 6 $ 830,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 6 $ 910,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 6 $ 300,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 5 $ 325,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 755,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 5 $ 665,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 5 $ 1,175,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 4 $ 450,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 4 $ 260,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 4 $ 380,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 1,010,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 460,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 4 $ 340,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ n/a 3 $ 275,000
The Covington Savings and Loan Association
PO BOX 188
COVINGTON, OH 45318
* $ n/a 3 $ 625,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 3 $ 545,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 3 $ 605,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 465,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 3 $ 425,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 335,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ n/a 3 $ 95,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ n/a 3 $ 395,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ n/a 3 $ 275,000
Code Credit Union
355 W MONUMENT AVE
DAYTON, OH 45402
* $ n/a 3 $ 245,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 3 $ 525,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 3 $ 475,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 3 $ 545,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 3 $ 695,000
Alliance Catholic Credit Union
26913 NORTHWESTERN HWY STE 520
FARMINGTON HILLS, MI 48334
* $ n/a 2 $ 210,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 170,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 2 $ 700,000
Truhome Solutions, LLC
9601 LEGLER ROAD
LENEXA, KS 66219
* $ n/a 2 $ 270,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 630,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 290,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 2 $ 430,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 580,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 2 $ 890,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 220,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ n/a 2 $ 280,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 350,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 2 $ 660,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ n/a 2 $ 150,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ n/a 2 $ 150,000
River Valley Credit Union
505 EARL BLVD
MIAMISBURG, OH 45342
* $ n/a 2 $ 130,000
Abbey Credit Union
800 FALLS CREEK DR
VANDALIA, OH 45377
* $ n/a 2 $ 580,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 220,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 2 $ 180,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 2 $ 730,000
Monroe Federal Savings and Loan Association
24 E MAIN ST PO BOX 119
TIPP CITY, OH 45371
* $ n/a 2 $ 180,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 160,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 310,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 170,000
Treadwell Credit Union
4988 WAGNER FORD ROAD
DAYTON, OH 45414
* $ n/a 2 $ 250,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 530,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 105,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 1 $ 285,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 745,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 205,000
The Twin Valley Bank
2 E DAYTON ST
WEST ALEXANDRIA, OH 45381
* $ n/a 1 $ 115,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 255,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 1 $ 195,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ n/a 1 $ 95,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 155,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ n/a 1 $ 85,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 105,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ n/a 1 $ 55,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ n/a 1 $ 235,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ n/a 1 $ 155,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 195,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 135,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 295,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 65,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 135,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 1 $ 65,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 1 $ 185,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 235,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 85,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 235,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 1 $ 235,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 155,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 1 $ 125,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 375,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 1 $ 5,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 235,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 225,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 35,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 485,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 1 $ 5,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 465,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 325,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 205,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 105,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 35,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 195,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ n/a 1 $ 305,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 1 $ 15,000
Somerville Bank
197 NORTH SOUTH MAIN STREET
EATON, OH 45320
* $ n/a 1 $ 135,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 1 $ 255,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ n/a 1 $ 105,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 85,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 105,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 275,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ n/a 1 $ 45,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ n/a 1 $ 425,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ n/a 1 $ 205,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 225,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 1 $ 195,000

The tables below break down 2025 mortgage applications in Darke 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 Darke County, OH in 2025

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 783 $154,435,000 $197,000 $1,055,000 $90,000 $900,000
Cash-out Refinancing 269 $36,645,000 $136,000 $815,000 $76,000 $290,000
Refinancing 237 $36,045,000 $152,000 $1,375,000 $89,000 $429,000
Home Improvement 168 $11,040,000 $65,000 $655,000 $109,000 $3,859,000
Other Purpose 144 $9,810,000 $68,000 $305,000 $86,000 $323,000
Not Applicable 4 $190,000 $47,000 $85,000 $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 1,295 $196,985,000 $152,000 $1,375,000 $91,000 $3,859,000
Not applicable 132 $23,620,000 $178,000 $1,055,000 $84,000 $174,000
Not Provided 125 $19,935,000 $159,000 $565,000 $80,000 $270,000
Hispanic 27 $3,685,000 $136,000 $485,000 $80,000 $167,000
Black or African American 14 $2,250,000 $160,000 $315,000 $75,000 $130,000
American Indian or Alaskan Native 7 $905,000 $129,000 $235,000 $38,000 $68,000
Asian 4 $650,000 $162,000 $205,000 $71,000 $111,000
Native Hawaiian or Other Pacific Islander 1 $135,000 $135,000 $135,000 $67,000 $67,000

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) 1,080 $147,900,000 $136,000 $1,375,000 $96,000 $3,859,000
FHA-insured (Federal Housing Administration) 304 $54,530,000 $179,000 $485,000 $72,000 $204,000
VA-guaranteed (Veterans Administration) 140 $32,960,000 $235,000 $595,000 $79,000 $253,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $12,775,000 $157,000 $305,000 $66,000 $113,000

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 962 $156,470,000 $162,000 $1,375,000 $96,000 $3,859,000
Application Denied By Financial Institution 229 $25,925,000 $113,000 $655,000 $74,000 $338,000
Application Withdrawn By Applicant 185 $29,215,000 $157,000 $605,000 $82,000 $900,000
Loan Purchased By The Institution 109 $18,035,000 $165,000 $745,000 $71,000 $174,000
File Closed For Incompleteness 63 $9,525,000 $151,000 $595,000 $69,000 $214,000
Application Approved But Not Accepted 54 $8,530,000 $157,000 $535,000 $81,000 $290,000
Preapproval Approved but not Accepted 3 $465,000 $155,000 $195,000 $99,000 $130,000
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 1,323 $214,775,000 $162,000 $1,375,000 $92,000 $3,859,000
Debt-To-Income Ratio 111 $14,535,000 $130,000 $655,000 $80,000 $252,000
Credit History 70 $6,390,000 $91,000 $375,000 $74,000 $203,000
Collateral 46 $5,010,000 $108,000 $335,000 $82,000 $234,000
Credit Application Incomplete 27 $2,755,000 $102,000 $375,000 $75,000 $145,000
Other 14 $1,710,000 $122,000 $285,000 $59,000 $105,000
Unverifiable Information 6 $970,000 $161,000 $265,000 $74,000 $169,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,385,000 $277,000 $595,000 $163,000 $338,000
Employment History 3 $635,000 $211,000 $245,000 $65,000 $74,000
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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