Darke County, OH Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,419 mortgage applications in Darke County, OH totaling $203.3 million, up 7% from 2023. The average application was for $143,000, and applicants reported an average income of $86,000. 59% of applications resulted in an originated loan and 16% were denied. The most active lender was Newrez LLC, with 141 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 | 1,419 |
| Total Mortgage Loan Application Amount | $203,265,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $1,198,000 |
* 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 | 141 | $ 21,765,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ n/a | 129 | $ 10,645,000 |
| Greenville National Bank 446 S. BROADWAY GREENVILLE, OH 45331 |
* | $ n/a | 110 | $ 22,800,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ n/a | 72 | $ 7,640,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 51 | $ 5,015,000 |
| The Farmers State Bank 101 S. MAIN ST. PO BOX 119 NEW MADISON, OH 45346 |
* | $ n/a | 50 | $ 6,640,000 |
| Greenville Federal 690 WAGNER AVE GREENVILLE, OH 45331 |
* | $ n/a | 50 | $ 5,960,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 36 | $ 7,640,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 32 | $ 4,260,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 31 | $ 6,395,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 31 | $ 4,765,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 30 | $ 3,720,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 26 | $ 4,430,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 22 | $ 1,970,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 22 | $ 1,450,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 22 | $ 1,660,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 20 | $ 3,510,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 18 | $ 2,980,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 18 | $ 840,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 17 | $ 3,075,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 16 | $ 2,130,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 16 | $ 3,140,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 15 | $ 4,085,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 15 | $ 2,955,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 14 | $ 790,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 14 | $ 2,800,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 13 | $ 1,945,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 13 | $ 1,905,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 11 | $ 1,815,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 11 | $ 1,455,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 9 | $ 1,675,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ n/a | 9 | $ 2,175,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 9 | $ 505,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 8 | $ 1,050,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 8 | $ 1,200,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 8 | $ 1,420,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ n/a | 7 | $ 895,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 7 | $ 425,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 7 | $ 285,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 7 | $ 385,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 7 | $ 1,365,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 7 | $ 825,000 |
| Day Air Credit Union 3501 WILMINGTON PIKE KETTERING, OH 45429 |
* | $ n/a | 7 | $ 485,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 7 | $ 1,355,000 |
| Minster Bank 95 W FOURTH ST MINSTER, OH 45865 |
* | $ n/a | 6 | $ 1,030,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 6 | $ 790,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 5 | $ 1,235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 455,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 5 | $ 535,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 5 | $ 495,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 405,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 5 | $ 1,125,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ n/a | 5 | $ 905,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 5 | $ 1,085,000 |
| Monroe Federal Savings and Loan Association 24 E MAIN ST PO BOX 119 TIPP CITY, OH 45371 |
* | $ n/a | 4 | $ 680,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 4 | $ 740,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 3 | $ 415,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ n/a | 3 | $ 335,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 795,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 3 | $ 365,000 |
| First Bank Richmond 20 N 9TH ST RICHMOND, IN 47375 |
* | $ n/a | 3 | $ 305,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 3 | $ 235,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 3 | $ 415,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 3 | $ 495,000 |
| The Covington Savings and Loan Association PO BOX 188 COVINGTON, OH 45318 |
* | $ n/a | 3 | $ 525,000 |
| Direct Mortgage Loans, LLC 111011 MCCORMICK RD, SUITE 400 HUNT VALLEY, MD 21031 |
* | $ n/a | 3 | $ 665,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 345,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 275,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 3 | $ 515,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ n/a | 3 | $ 765,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ n/a | 2 | $ 740,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 2 | $ 310,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 520,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 2 | $ 580,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 2 | $ 530,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 2 | $ 410,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 2 | $ 70,000 |
| Citizens State Bank of New Castle 1238 BROAD ST, P.O. BOX C NEW CASTLE, IN 47362 |
* | $ n/a | 2 | $ 260,000 |
| Code Credit Union 355 W MONUMENT AVE DAYTON, OH 45402 |
* | $ n/a | 2 | $ 90,000 |
| Abbey Credit Union 800 FALLS CREEK DR VANDALIA, OH 45377 |
* | $ n/a | 2 | $ 80,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 2 | $ 380,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 280,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ n/a | 2 | $ 290,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 2 | $ 340,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 360,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 520,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 360,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 2 | $ 490,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 145,000 |
| Temple View Capital Funding LP 7550 WISCONSIN AVE STE 1000 BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 215,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 205,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 185,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 1 | $ 335,000 |
| Bridge Credit Union 1980 W BROAD ST MAIL STOP #0000 COLUMBUS, OH 43223 |
* | $ n/a | 1 | $ 45,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 155,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 1 | $ 185,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 195,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 115,000 |
| United Midwest Savings Bank 955 COUNTY LINE ROAD WEST WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 105,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 145,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 215,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 45,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ n/a | 1 | $ 155,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 355,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 375,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 25,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ n/a | 1 | $ 405,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 425,000 |
| First Bank of Berne 222 HERTIGIAGE TR BERNE, IN 46711 |
* | $ n/a | 1 | $ 205,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 145,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 65,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 315,000 |
| River Valley Credit Union 505 EARL BLVD MIAMISBURG, OH 45342 |
* | $ n/a | 1 | $ 45,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 365,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ n/a | 1 | $ 95,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 185,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 295,000 |
| Topmark Federal Credit Union 609 E MAIN ST CRIDERSVILLE, OH 45806 |
* | $ n/a | 1 | $ 205,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 155,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 115,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 45,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ n/a | 1 | $ 65,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 55,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 105,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 15,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 1 | $ 165,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 25,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 205,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ n/a | 1 | $ 115,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ n/a | 1 | $ 155,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 85,000 |
| The Twin Valley Bank 2 E DAYTON ST WEST ALEXANDRIA, OH 45381 |
* | $ n/a | 1 | $ 235,000 |
| Amerant Bank, N.A. 220 ALHAMBRA CIRCLE MIAMI, FL 33134 |
* | $ n/a | 1 | $ 145,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2024 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 2024
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 | 689 | $125,845,000 | $182,000 | $925,000 | $90,000 | $1,198,000 |
| Cash-out Refinancing | 256 | $36,550,000 | $142,000 | $925,000 | $75,000 | $422,000 |
| Other Purpose | 171 | $12,815,000 | $74,000 | $1,685,000 | $87,000 | $556,000 |
| Home Improvement | 156 | $9,150,000 | $58,000 | $165,000 | $95,000 | $366,000 |
| Refinancing | 144 | $18,720,000 | $130,000 | $535,000 | $74,000 | $217,000 |
| Not Applicable | 3 | $185,000 | $61,000 | $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 | 1,126 | $153,960,000 | $136,000 | $925,000 | $85,000 | $707,000 |
| Not applicable | 129 | $24,575,000 | $190,000 | $1,685,000 | $0 | $0 |
| Not Provided | 126 | $19,040,000 | $151,000 | $775,000 | $94,000 | $1,198,000 |
| Hispanic | 18 | $2,420,000 | $134,000 | $515,000 | $76,000 | $285,000 |
| Black or African American | 10 | $1,660,000 | $166,000 | $285,000 | $71,000 | $106,000 |
| American Indian or Alaskan Native | 5 | $655,000 | $131,000 | $265,000 | $95,000 | $250,000 |
| Asian | 4 | $920,000 | $230,000 | $405,000 | $122,000 | $217,000 |
| 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) | 964 | $122,590,000 | $127,000 | $1,685,000 | $91,000 | $1,198,000 |
| FHA-insured (Federal Housing Administration) | 259 | $41,445,000 | $160,000 | $415,000 | $70,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 113 | $26,475,000 | $234,000 | $765,000 | $84,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $12,755,000 | $153,000 | $275,000 | $65,000 | $106,000 |
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 | 837 | $121,555,000 | $145,000 | $1,685,000 | $90,000 | $1,198,000 |
| Application Denied By Financial Institution | 225 | $22,225,000 | $98,000 | $925,000 | $72,000 | $556,000 |
| Application Withdrawn By Applicant | 152 | $23,100,000 | $151,000 | $765,000 | $81,000 | $321,000 |
| Loan Purchased By The Institution | 109 | $20,195,000 | $185,000 | $625,000 | $51,000 | $65,000 |
| Application Approved But Not Accepted | 53 | $9,555,000 | $180,000 | $925,000 | $100,000 | $422,000 |
| File Closed For Incompleteness | 41 | $6,275,000 | $153,000 | $535,000 | $84,000 | $250,000 |
| Preapproval Denied by Financial Institution | 2 | $360,000 | $180,000 | $195,000 | $90,000 | $103,000 |
| Preapproval Approved but not Accepted | 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 | 1,135 | $172,625,000 | $152,000 | $1,685,000 | $89,000 | $1,198,000 |
| Debt-To-Income Ratio | 119 | $13,815,000 | $116,000 | $495,000 | $66,000 | $262,000 |
| Credit History | 64 | $4,170,000 | $65,000 | $205,000 | $72,000 | $248,000 |
| Credit Application Incomplete | 42 | $5,440,000 | $129,000 | $925,000 | $89,000 | $495,000 |
| Collateral | 37 | $4,735,000 | $127,000 | $395,000 | $105,000 | $556,000 |
| Other | 11 | $925,000 | $84,000 | $185,000 | $70,000 | $250,000 |
| Unverifiable Information | 5 | $655,000 | $131,000 | $175,000 | $48,000 | $62,000 |
| Employment History | 3 | $395,000 | $131,000 | $165,000 | $39,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $505,000 | $168,000 | $185,000 | $61,000 | $71,000 |
| 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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