Darke County, OH Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,331 mortgage applications in Darke County, OH totaling $183.6 million, down 26% from 2022. The average application was for $138,000, and applicants reported an average income of $84,000. 61% of applications resulted in an originated loan and 14% were denied. The most active lender was Newrez LLC, with 126 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 1,331
Total Mortgage Loan Application Amount $183,640,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $2,405,000
Average Applicant Income $84,000
Highest Applicant Income $1,873,000

Mortgage Company List for Lending in Darke County, OH for 2023

* 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
* $ -1,000 126 $ 19,150,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,815,951,000 122 $ 9,200,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 578,554,000 117 $ 22,125,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 7,794,453,000 65 $ 5,015,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ 222,733,000 54 $ 8,090,000
Greenville Federal
690 WAGNER AVE
GREENVILLE, OH 45331
* $ 241,881,000 52 $ 5,640,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 50 $ 7,370,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 43 $ 3,415,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,915,645,000 36 $ 3,030,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 35 $ 5,595,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 24 $ 1,710,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 23 $ 4,235,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 22 $ 3,600,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 18 $ 3,860,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 17 $ 2,635,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 17 $ 3,275,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,307,068,000 15 $ 2,815,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 15 $ 1,725,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 14 $ 2,860,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 12 $ 2,790,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 12 $ 2,500,000
Day Air Credit Union
3501 WILMINGTON PIKE
KETTERING, OH 45429
* $ 677,861,000 12 $ 780,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 12 $ 2,490,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 11 $ 355,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 11 $ 1,745,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 11 $ 1,205,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 11 $ 855,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 11 $ 805,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 1,030,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 9 $ 3,105,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 1,555,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,135,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 8 $ 1,050,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 8 $ 1,460,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 1,330,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 8 $ 1,190,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 7 $ 1,225,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 7 $ 1,175,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,135,000
The Covington Savings and Loan Association
PO BOX 188
COVINGTON, OH 45318
* $ 89,056,000 7 $ 655,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 7 $ 925,000
Western Ohio Mortgage Corp
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 7 $ 1,025,000
First Bank Richmond
20 N 9TH ST
RICHMOND, IN 47375
* $ 1,324,581,000 7 $ 645,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 7 $ 1,115,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 6 $ 940,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 6 $ 270,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 530,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ 143,847,000 5 $ 245,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,511,702,000 5 $ 245,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 1,035,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 5 $ 775,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 1,295,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 735,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 17,923,519,000 4 $ 270,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 4 $ 380,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 2,236,753,000 4 $ 155,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 4 $ 770,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 505,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 465,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 335,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 635,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 3 $ 125,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 765,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ 706,883,000 3 $ 615,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ -1,000 3 $ 535,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 2 $ 260,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 270,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 2 $ 310,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 250,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 260,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ -1,000 2 $ 280,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 969,379,000 2 $ 330,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 2 $ 370,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ -1,000 2 $ 210,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 2 $ 370,000
Code Credit Union
355 W MONUMENT AVE
DAYTON, OH 45402
* $ 163,627,000 2 $ 30,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 180,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 220,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ 790,697,000 2 $ 160,000
New Carlisle Federal Savings Bank
400 N MAIN ST., P.O. BOX 245
NEW CARLISLE, OH 45344
* $ 222,073,000 2 $ 320,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 2 $ 260,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 270,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 70,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 2,993,588,000 1 $ 85,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 1 $ 175,000
Heartland Bank
430 N HAMILTON ROAD
WHITEHALL, OH 43213
* $ 1,660,628,000 1 $ 105,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 55,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 235,000
North Side Bank & Trust Company
4125 HAMILTON AVE
CINCINNATI, OH 45223
* $ 970,756,000 1 $ 75,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 155,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 348,731,000,000 1 $ 105,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 175,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 1 $ 305,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 1 $ 215,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 1 $ 75,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 225,000
Ih Credit Union
5000 URBANA RD
SPRINGFIELD, OH 45502
* $ 380,287,000 1 $ 85,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 12,354,380,000 1 $ 215,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 185,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 145,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 235,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 1 $ 25,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 1 $ 45,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 195,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,325,575,000 1 $ 235,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 115,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 1 $ 25,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 135,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 205,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 205,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 285,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,813,728,000 1 $ 105,000
Abbey Credit Union
800 FALLS CREEK DR
VANDALIA, OH 45377
* $ 144,665,000 1 $ 135,000
River Valley Credit Union
505 EARL BLVD
MIAMISBURG, OH 45342
* $ 443,478,000 1 $ 45,000
Monroe Federal Savings and Loan Association
24 E MAIN ST PO BOX 119
TIPP CITY, OH 45371
* $ 149,358,000 1 $ 195,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ -1,000 1 $ 255,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 19,808,858,000 1 $ 25,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 245,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 95,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ -1,000 1 $ 145,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 1 $ 85,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 1 $ 135,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 1 $ 145,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 165,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 275,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 1,125,970,000 1 $ 125,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 3,533,305,000 1 $ 235,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 200,262,969,000 1 $ 125,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,894,686,000 1 $ 125,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 1 $ 235,000
Total Quality Financial Inc

CARMEL, IN 46032
* $ -1,000 1 $ 115,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 535,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ -1,000 1 $ 75,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ -1,000 1 $ 35,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 285,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 453,082,000 1 $ 115,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 14,304,653,000 1 $ 255,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 235,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 1,060,078,000 1 $ 515,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 155,000
Somerville Bank
197 NORTH SOUTH MAIN STREET
EATON, OH 45320
* $ 259,113,000 1 $ 105,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 155,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 25,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 225,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 85,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 185,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 7,197,574,000 1 $ 195,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 135,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 4,853,001,000 1 $ 205,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 145,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 1 $ 155,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 324,718,000 1 $ 795,000

The tables below break down 2023 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 2023

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 685 $123,965,000 $180,000 $2,405,000 $85,000 $1,162,000
Cash-out Refinancing 200 $28,645,000 $143,000 $565,000 $82,000 $540,000
Home Improvement 180 $10,250,000 $56,000 $545,000 $82,000 $550,000
Other Purpose 152 $9,130,000 $60,000 $275,000 $96,000 $1,873,000
Refinancing 111 $11,465,000 $103,000 $475,000 $72,000 $225,000
Not Applicable 3 $185,000 $61,000 $75,000 $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 1,090 $143,410,000 $131,000 $1,375,000 $83,000 $1,162,000
Not Provided 103 $14,505,000 $140,000 $655,000 $100,000 $1,873,000
Not applicable 101 $20,710,000 $207,000 $2,405,000 $116,000 $175,000
Hispanic 16 $2,120,000 $132,000 $245,000 $71,000 $126,000
Black or African American 13 $1,685,000 $129,000 $425,000 $93,000 $230,000
American Indian or Alaskan Native 5 $735,000 $147,000 $235,000 $67,000 $110,000
Asian 1 $205,000 $205,000 $205,000 $23,000 $23,000
Native Hawaiian or Other Pacific Islander 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) 934 $116,455,000 $124,000 $2,405,000 $91,000 $1,873,000
FHA-insured (Federal Housing Administration) 243 $38,935,000 $160,000 $475,000 $68,000 $197,000
VA-guaranteed (Veterans Administration) 90 $19,760,000 $219,000 $565,000 $80,000 $332,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 64 $8,490,000 $132,000 $225,000 $56,000 $97,000

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 812 $112,975,000 $139,000 $1,375,000 $89,000 $1,162,000
Application Denied By Financial Institution 189 $16,995,000 $89,000 $475,000 $74,000 $1,873,000
Application Withdrawn By Applicant 153 $23,655,000 $154,000 $795,000 $79,000 $540,000
Loan Purchased By The Institution 84 $16,040,000 $190,000 $545,000 $82,000 $175,000
Application Approved But Not Accepted 51 $8,645,000 $169,000 $2,405,000 $89,000 $207,000
File Closed For Incompleteness 38 $4,390,000 $115,000 $285,000 $68,000 $159,000
Preapproval Approved but not Accepted 3 $805,000 $268,000 $425,000 $129,000 $178,000
Preapproval Denied by Financial Institution 1 $135,000 $135,000 $135,000 $34,000 $34,000

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 1,071 $154,780,000 $144,000 $1,375,000 $85,000 $1,162,000
Debt-To-Income Ratio 119 $15,875,000 $133,000 $2,405,000 $82,000 $600,000
Credit History 70 $5,090,000 $72,000 $465,000 $65,000 $149,000
Collateral 32 $3,720,000 $116,000 $475,000 $70,000 $132,000
Credit Application Incomplete 23 $2,555,000 $111,000 $335,000 $157,000 $1,873,000
Other 12 $1,150,000 $95,000 $175,000 $81,000 $240,000
Insufficient Cash (Downpayment, Closing Cost) 2 $280,000 $140,000 $145,000 $42,000 $44,000
Unverifiable Information 1 $155,000 $155,000 $155,000 $53,000 $53,000
Employment History 1 $35,000 $35,000 $35,000 $38,000 $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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