Darke County, OH Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,845 mortgage applications in Darke County, OH totaling $216.6 million, up 5% from 2018. The average application was for $117,000, and applicants reported an average income of $71,000. 62% of applications resulted in an originated loan and 15% were denied. The most active lender was The Park National Bank, with 259 applications, followed by Greenville National Bank and Greenville Federal.

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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 1,845
Total Mortgage Loan Application Amount $216,605,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $2,585,000
Average Applicant Income $71,000
Highest Applicant Income $702,000

Mortgage Company List for Lending in Darke County, OH for 2019

* 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 Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,753,848,000 259 $ 25,485,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 450,772,000 187 $ 24,465,000
Greenville Federal
690 WAGNER AVE
GREENVILLE, OH 45331
* $ 181,135,000 147 $ 20,245,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 128 $ 15,680,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ 180,769,000 82 $ 8,840,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 79 $ 5,805,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 73 $ 7,285,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 63 $ 7,225,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 56 $ 6,510,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 48 $ 5,070,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 4,429,115,000 44 $ 3,570,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 41 $ 6,055,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 32 $ 3,020,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 13,914,274,000 32 $ 1,730,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 29 $ 3,235,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,750,944,000 27 $ 4,055,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 22 $ 3,150,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 9,873,896,000 17 $ 1,215,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 16 $ 930,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 15 $ 2,165,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 14 $ 1,450,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 1,420,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 12 $ 1,280,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 12 $ 1,560,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 12 $ 1,770,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 11 $ 3,655,000
The Covington Savings and Loan Association
PO BOX 188
COVINGTON, OH 45318
* $ 70,446,000 11 $ 745,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,400,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 1,295,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,595,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 9 $ 1,215,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 8 $ 900,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 8 $ 900,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ 541,068,000 7 $ 245,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 416,142,000 6 $ 530,000
Warsaw Federal Savings and Loan Association
3533 WARSAW AVE
CINCINNATI, OH 45205
* $ 61,587,000 6 $ 650,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 6 $ 800,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 395,373,000 5 $ 275,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 2,885,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 5 $ 395,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 5 $ 215,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 5 $ 795,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 495,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 735,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 5 $ 955,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 5 $ 765,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 1,634,260,000 5 $ 285,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 5 $ 415,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 4 $ 670,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 240,252,000 4 $ 90,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 170,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 490,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 4 $ 420,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 4 $ 490,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 917,552,000 4 $ 470,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 4 $ 530,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 831,309,000 3 $ 125,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 3 $ 675,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 665,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 3 $ 285,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 3 $ 415,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 635,000
First Bank Richmond
20 N 9TH ST
RICHMOND, IN 47375
* $ 844,978,000 3 $ 275,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 3 $ 845,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 365,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 335,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 125,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 415,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 3 $ 475,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 295,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 310,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 190,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 210,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 280,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 1,057,398,000 2 $ 470,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 829,051,000 2 $ 580,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 190,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 360,000
Partners United Financial, LLC
250 EAST WILSON BRIDGE ROAD, SUITE 110
WILMINGTON, DE 43085
* $ -1,000 2 $ 320,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 200,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 34,104,022,000 2 $ 510,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 2 $ 270,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 240,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 2 $ 280,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 2 $ 390,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 330,000
Code Credit Union
355 W MONUMENT AVE
DAYTON, OH 45402
* $ 129,105,000 2 $ 180,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 2 $ 320,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 150,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 180,000
Treadwell Credit Union
4988 WAGNER FORD ROAD
DAYTON, OH 45414
* $ 92,990,000 2 $ 100,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 2 $ 650,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 2 $ 230,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 2 $ 110,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 430,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 350,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 175,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 1 $ 125,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 1 $ 55,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 235,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 35,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 75,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 135,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 225,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,791,677,000 1 $ 15,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 75,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 1 $ 85,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 1 $ 115,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 35,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 949,720,000 1 $ 165,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 8,305,036,000 1 $ 165,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 155,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 75,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 1 $ 95,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 1 $ 255,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 195,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 95,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 185,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 185,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 275,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 95,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 1 $ 185,000
Southwest Airlines FCU
2340 SHORECREST
DALLAS, TX 75235
* $ 551,376,000 1 $ 35,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 195,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 711,379,000 1 $ 185,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 2,044,013,000 1 $ 5,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 215,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,801,504,000 1 $ 135,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 175,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 1 $ 195,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 75,169,000,000 1 $ 205,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 95,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 145,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 215,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 415,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 75,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 95,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 135,000
Prime Choice Funding Inc.
17852 17TH ST #107
TUSTIN, CA 92780
* $ -1,000 1 $ 195,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 165,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,798,459,000 1 $ 65,000
New Carlisle Federal Savings Bank
400 N MAIN ST., P.O. BOX 245
NEW CARLISLE, OH 45344
* $ 122,185,000 1 $ 65,000
Valley Central Bank
6550 PRINCETON GLENDALE ROAD LIBERTY TOWNSHIP
CINCINNATI, OH 45215
* $ 112,482,000 1 $ 305,000

The tables below break down 2019 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 2019

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 827 $110,675,000 $133,000 $2,585,000 $67,000 $670,000
Refinancing 423 $54,865,000 $129,000 $955,000 $78,000 $702,000
Cash-out Refinancing 277 $35,085,000 $126,000 $475,000 $70,000 $304,000
Other Purpose 152 $7,920,000 $52,000 $235,000 $80,000 $514,000
Home Improvement 144 $6,050,000 $42,000 $275,000 $69,000 $212,000
Not Applicable 22 $2,010,000 $91,000 $155,000 $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 1,533 $175,485,000 $114,000 $955,000 $71,000 $702,000
Not applicable 152 $19,880,000 $130,000 $2,585,000 $56,000 $113,000
Not Provided 122 $16,880,000 $138,000 $995,000 $84,000 $670,000
Hispanic 19 $2,025,000 $106,000 $225,000 $49,000 $116,000
Black or African American 12 $1,730,000 $144,000 $265,000 $39,000 $81,000
American Indian or Alaskan Native 3 $65,000 $21,000 $25,000 $25,000 $35,000
Asian 3 $515,000 $171,000 $305,000 $82,000 $115,000
Native Hawaiian or Other Pacific Islander 1 $25,000 $25,000 $25,000 $92,000 $92,000

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) 1,274 $143,160,000 $112,000 $2,585,000 $77,000 $702,000
FHA-insured (Federal Housing Administration) 282 $34,200,000 $121,000 $295,000 $53,000 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 162 $16,830,000 $103,000 $235,000 $43,000 $97,000
VA-guaranteed (Veterans Administration) 127 $22,415,000 $176,000 $655,000 $67,000 $179,000

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 1,145 $139,475,000 $121,000 $2,585,000 $75,000 $702,000
Application Denied By Financial Institution 279 $23,975,000 $85,000 $955,000 $59,000 $478,000
Application Withdrawn By Applicant 158 $20,630,000 $130,000 $485,000 $70,000 $316,000
Loan Purchased By The Institution 158 $19,510,000 $123,000 $435,000 $68,000 $123,000
Application Approved But Not Accepted 63 $7,885,000 $125,000 $445,000 $75,000 $187,000
File Closed For Incompleteness 40 $4,520,000 $113,000 $345,000 $58,000 $194,000
Preapproval Approved but not Accepted 2 $610,000 $305,000 $305,000 $33,000 $33,000
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 1,383 $171,145,000 $123,000 $2,585,000 $72,000 $702,000
Debt-To-Income Ratio 245 $27,265,000 $111,000 $485,000 $72,000 $263,000
Credit History 96 $6,560,000 $68,000 $375,000 $64,000 $478,000
Collateral 62 $5,940,000 $95,000 $425,000 $57,000 $128,000
Other 22 $2,680,000 $121,000 $955,000 $67,000 $144,000
Credit Application Incomplete 19 $1,655,000 $87,000 $245,000 $85,000 $211,000
Unverifiable Information 7 $375,000 $53,000 $75,000 $64,000 $83,000
Employment History 7 $495,000 $70,000 $135,000 $58,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 4 $490,000 $122,000 $195,000 $48,000 $76,000
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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