Darke County, OH Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 2,380 mortgage applications in Darke County, OH totaling $332.7 million, down 7% from 2020. The average application was for $139,000, and applicants reported an average income of $78,000. 66% of applications resulted in an originated loan and 12% were denied. The most active lender was Caliber Home Loans, Inc., with 296 applications, followed by The Park National Bank and Greenville 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 2,380
Total Mortgage Loan Application Amount $332,690,000
Average Mortgage Loan Application Amount $139,000
Highest Mortgage Loan Application Amount $855,000
Average Applicant Income $78,000
Highest Applicant Income $1,500,000

Mortgage Company List for Lending in Darke County, OH for 2021

* 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
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 296 $ 41,660,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 8,528,848,000 247 $ 31,295,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 484,775,000 210 $ 30,810,000
Greenville Federal
690 WAGNER AVE
GREENVILLE, OH 45331
* $ 198,527,000 144 $ 23,860,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 104 $ 15,050,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ 181,822,000 87 $ 11,555,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 80 $ 7,380,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 75 $ 8,925,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 5,091,929,000 68 $ 6,430,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,079,626,000 54 $ 8,640,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 46 $ 7,460,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 45 $ 5,225,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 35 $ 5,595,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 35 $ 4,475,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 33 $ 5,285,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 31 $ 4,475,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 30 $ 4,060,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 25 $ 5,605,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 24 $ 3,510,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 23 $ 2,525,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 21 $ 3,085,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 21 $ 1,405,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 14,434,311,000 20 $ 2,570,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 20 $ 3,130,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 19 $ 5,755,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 1,660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 16 $ 3,160,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 13 $ 1,395,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 12 $ 1,640,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 12 $ 2,000,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 12 $ 320,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 12 $ 1,660,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,034,678,000 10 $ 1,840,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 10 $ 1,380,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 10 $ 1,460,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 10 $ 1,600,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 9 $ 1,505,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ 517,904,000 9 $ 1,035,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 9 $ 995,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 8 $ 900,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 12,430,349,000 8 $ 500,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 8 $ 1,960,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 7 $ 885,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 7 $ 965,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 7 $ 715,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 570,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 6 $ 940,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 6 $ 660,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,110,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 5 $ 1,145,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 5 $ 835,000
Code Credit Union
355 W MONUMENT AVE
DAYTON, OH 45402
* $ 136,805,000 5 $ 345,000
Somerville Bank
197 NORTH SOUTH MAIN STREET
EATON, OH 45320
* $ 198,068,000 5 $ 555,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 665,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 5 $ 785,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 865,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 625,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 705,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 585,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 845,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 985,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 5 $ 935,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 877,477,000 4 $ 1,130,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 4 $ 900,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 430,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 760,000
First Bank Richmond
20 N 9TH ST
RICHMOND, IN 47375
* $ 983,369,000 4 $ 660,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 610,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 1,636,413,000 4 $ 270,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 881,508,000 4 $ 500,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 520,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 4 $ 350,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 4 $ 510,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 4 $ 300,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 3 $ 285,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 6,167,493,000 3 $ 485,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 385,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 3 $ 245,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 335,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 425,903,000 3 $ 125,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 3 $ 575,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 425,000
The Covington Savings and Loan Association
PO BOX 188
COVINGTON, OH 45318
* $ 71,256,000 3 $ 665,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 2 $ 340,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 340,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 260,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 2 $ 390,000
New Carlisle Federal Savings Bank
400 N MAIN ST., P.O. BOX 245
NEW CARLISLE, OH 45344
* $ 133,183,000 2 $ 190,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 280,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 1,208,245,000 2 $ 240,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 200,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 2 $ 410,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 423,716,000 2 $ 190,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 370,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,847,190,000 2 $ 90,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 250,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ 577,892,000 2 $ 180,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 2 $ 230,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 360,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 2,304,000,000 2 $ 470,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 90,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 165,000
Midland Mortgage Corporation
1500 RICHLAND STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 135,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ -1,000 1 $ 115,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 215,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 135,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 195,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 125,000
The Bath State Bank
3095 BATH ROAD
BATH, IN 47010
* $ 165,989,000 1 $ 485,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 185,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 315,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ -1,000 1 $ 375,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 175,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 275,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 115,000
Kh Credit Union
7740 PARAGON ROAD
DAYTON, OH 45459
* $ 55,080,000 1 $ 155,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 7,508,575,000 1 $ 15,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 355,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 265,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,907,914,000 1 $ 85,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 205,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 115,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 235,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 275,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 8,288,367,000 1 $ 35,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 85,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 105,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 305,000
Premium Security, Inc.
901 N GREEN VALLEY PKWY STE 200
HENDERSON, NV 89074
* $ -1,000 1 $ 125,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 3,361,620,000 1 $ 55,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 5,000
American Midwest Mortgage Corporation
6363 YORK ROAD
PARMA HEIGHTS, OH 44130
* $ -1,000 1 $ 145,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 12,244,742,000 1 $ 75,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,877,075,000 1 $ 55,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 95,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 155,000
Partners United Financial, LLC
250 EAST WILSON BRIDGE ROAD, SUITE 110
WILMINGTON, DE 43085
* $ -1,000 1 $ 75,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 185,000
Valley Central Bank
6550 PRINCETON GLENDALE ROAD LIBERTY TOWNSHIP
CINCINNATI, OH 45215
* $ 152,116,000 1 $ 305,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 1 $ 155,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 1 $ 55,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 115,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 652,360,000 1 $ 115,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 25,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 275,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 1 $ 145,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 115,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 75,000
Sibcy Cline Mortgage Services, Inc.
8044 MONTGOMERY RD. SUITE 301
CINCINNATI, OH 45236
* $ -1,000 1 $ 155,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 235,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 1 $ 135,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 155,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 895,737,000 1 $ 65,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 85,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 125,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 700,768,000 1 $ 175,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 414,199,000 1 $ 115,000

The tables below break down 2021 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 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 979 $152,635,000 $155,000 $635,000 $73,000 $1,145,000
Refinancing 773 $103,315,000 $133,000 $855,000 $78,000 $657,000
Cash-out Refinancing 444 $65,420,000 $147,000 $545,000 $85,000 $1,500,000
Home Improvement 90 $5,790,000 $64,000 $305,000 $97,000 $1,080,000
Other Purpose 84 $4,890,000 $58,000 $185,000 $68,000 $203,000
Not Applicable 10 $640,000 $64,000 $125,000 $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 1,982 $276,150,000 $139,000 $635,000 $78,000 $1,500,000
Not Provided 196 $29,230,000 $149,000 $855,000 $77,000 $657,000
Not applicable 134 $18,500,000 $138,000 $455,000 $76,000 $80,000
Hispanic 32 $4,830,000 $150,000 $355,000 $82,000 $177,000
Black or African American 16 $1,360,000 $85,000 $175,000 $49,000 $98,000
Asian 9 $1,195,000 $132,000 $195,000 $59,000 $91,000
American Indian or Alaskan Native 7 $615,000 $87,000 $175,000 $58,000 $73,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $29,000 $29,000

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) 1,691 $232,915,000 $137,000 $855,000 $85,000 $1,500,000
FHA-insured (Federal Housing Administration) 344 $46,990,000 $136,000 $345,000 $54,000 $224,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 189 $23,875,000 $126,000 $345,000 $45,000 $107,000
VA-guaranteed (Veterans Administration) 156 $28,910,000 $185,000 $605,000 $68,000 $192,000

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 1,560 $221,980,000 $142,000 $635,000 $79,000 $1,145,000
Application Denied By Financial Institution 275 $31,035,000 $112,000 $515,000 $65,000 $1,080,000
Application Withdrawn By Applicant 246 $36,250,000 $147,000 $555,000 $84,000 $1,500,000
Loan Purchased By The Institution 136 $18,980,000 $139,000 $385,000 $60,000 $161,000
File Closed For Incompleteness 88 $12,140,000 $137,000 $545,000 $78,000 $301,000
Application Approved But Not Accepted 71 $11,555,000 $162,000 $855,000 $84,000 $714,000
Preapproval Approved but not Accepted 4 $750,000 $187,000 $375,000 $48,000 $67,000
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 1,998 $286,800,000 $143,000 $855,000 $79,000 $1,500,000
Debt-To-Income Ratio 174 $22,900,000 $131,000 $505,000 $68,000 $329,000
Credit History 83 $9,685,000 $116,000 $515,000 $79,000 $1,080,000
Collateral 51 $6,065,000 $118,000 $435,000 $70,000 $239,000
Other 30 $3,190,000 $106,000 $345,000 $79,000 $589,000
Credit Application Incomplete 28 $2,950,000 $105,000 $165,000 $62,000 $164,000
Unverifiable Information 10 $570,000 $57,000 $115,000 $72,000 $278,000
Employment History 4 $380,000 $95,000 $125,000 $66,000 $101,000
Insufficient Cash (Downpayment, Closing Cost) 2 $150,000 $75,000 $85,000 $28,000 $38,000
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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