Defiance County, OH Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,192 mortgage applications in Defiance County, OH totaling $123.7 million, down 14% from 2016. The average application was for $103,000, and applicants reported an average income of $58,000. 59% of applications resulted in an originated loan and 17% were denied. The most active lender was Premier Bank, with 258 applications, followed by The State Bank & Trust Company and Huntington 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 | 1,192 |
| Total Mortgage Loan Application Amount | $123,683,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $1,424,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $773,000 |
* 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 |
|---|---|---|---|---|
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,459,024,000 | 258 | $ 23,986,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 814,700,000 | 123 | $ 14,353,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 97 | $ 9,208,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 60 | $ 6,931,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 49 | $ 4,691,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 1,035,722,000 | 48 | $ 3,822,000 |
| The Sherwood State Bank 105 N HARRISON PO BOX 4546 SHERWOOD, OH 43556 |
* | $ 62,878,000 | 37 | $ 2,480,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 139,776,168,000 | 37 | $ 4,148,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 30 | $ 3,018,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 26 | $ 2,435,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 216,651,000 | 18 | $ 1,848,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 18 | $ 1,112,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 16 | $ 2,045,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 15 | $ 1,754,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 15 | $ 1,634,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,286,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 13 | $ 1,180,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 12 | $ 1,486,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 785,587,000 | 12 | $ 1,219,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 10 | $ 1,113,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 9 | $ 1,100,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 9 | $ 828,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 7 | $ 684,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 6 | $ 519,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 252,204,000 | 6 | $ 120,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 549,102,000 | 6 | $ 1,121,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 5 | $ 750,000 |
| The Henry County Bank 122 E WASHINGTON STREET NAPOLEON, OH 43545 |
* | $ 280,788,000 | 5 | $ 680,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 5 | $ 676,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ 663,451,000 | 5 | $ 1,261,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 772,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 881,314,000 | 5 | $ 582,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 664,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 398,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 4 | $ 592,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 4 | $ 675,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 451,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 332,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 8,422,140,000 | 4 | $ 382,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 233,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 3 | $ 247,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,854,481,000 | 3 | $ 10,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 3 | $ 414,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 3 | $ 59,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 321,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 314,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 3 | $ 275,000 |
| Bank of Geneva 215 E LINE ST PO BOX 278 GENEVA, IN 46740 |
* | $ 243,496,000 | 2 | $ 205,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 265,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,925,022,000 | 2 | $ 382,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ 223,028,000 | 2 | $ 127,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 179,000 |
| Genfed Financial Credit Union, Inc. 2492 WEDGEWOOD DRIVE SUITE G AKRON, OH 44312 |
* | $ 231,221,000 | 2 | $ 132,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 322,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 161,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 292,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 624,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 2 | $ 313,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 2 | $ 174,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 2 | $ 205,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 2 | $ 250,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 155,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 339,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 2 | $ 228,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 248,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 2 | $ 382,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 117,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 112,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 179,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 1 | $ 128,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 122,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 1 | $ 95,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 1,069,495,000 | 1 | $ 28,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 132,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 38,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 179,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 125,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 1 | $ 159,000 |
| Directions Credit Union 5121 WHITEFORD ROAD TOLEDO, OH 43604 |
* | $ 670,749,000 | 1 | $ 2,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,252,297,000 | 1 | $ 139,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 1 | $ 155,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 122,000 |
| American National Bank 8990 WEST DODGE RD OMAHA, NE 68114 |
* | $ 3,311,062,000 | 1 | $ 3,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 180,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 9,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 3,133,166,000 | 1 | $ 90,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 40,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 222,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 122,000 |
| Mutualbank 110 E CHARLES ST MUNCIE, IN 47305 |
* | $ 1,551,078,000 | 1 | $ 210,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ -1,000 | 1 | $ 113,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 4,823,232,000 | 1 | $ 58,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 21,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 130,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 135,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 1,207,688,000 | 1 | $ 13,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 105,000 |
| Summit Mortgage, Inc. 8614 ST. JOE ROAD FORT WAYNE, IN 46835 |
* | $ -1,000 | 1 | $ 77,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 104,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 88,000 |
| First Federal Bank of Ohio 140 N COLUMBUS ST. GALION, OH 44833 |
* | $ 240,334,000 | 1 | $ 210,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 68,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 399,923,000 | 1 | $ 175,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 1 | $ 55,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 631,716,000 | 1 | $ 166,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 100,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,633,269,000 | 1 | $ 105,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 17,284,293,000 | 1 | $ 145,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 13,155,641,000 | 1 | $ 180,000 |
| The Campbell & Fetter Bank PO BOX 231 KENDALLVILLE, IN 46755 |
* | $ 343,316,000 | 1 | $ 94,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 54,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ -1,000 | 1 | $ 107,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 120,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 58,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,456,661,000 | 1 | $ 102,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 69,000 |
| Lument Real Estate Capital 10 W BROAD STREET, 8TH FLOOR COLUMBUS, OH 43215 |
* | $ -1,000 | 1 | $ 1,424,000 |
| Home Savings Bank 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,190,097,000 | 1 | $ 160,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 93,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ -1,000 | 1 | $ 213,000 |
| Liberty National Bank 100 EAST FRANKLIN STREET KENTON, OH 43326 |
* | $ 280,200,000 | 1 | $ 24,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ -1,000 | 1 | $ 177,000 |
The tables below break down 2017 mortgage applications in Defiance 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 Defiance County, OH in 2017
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 | 610 | $68,158,000 | $111,000 | $571,000 | $58,000 | $773,000 |
| Refinancing | 455 | $49,153,000 | $108,000 | $1,200,000 | $59,000 | $356,000 |
| Home Improvement | 127 | $6,372,000 | $50,000 | $1,424,000 | $56,000 | $160,000 |
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 | 951 | $96,316,000 | $101,000 | $571,000 | $63,000 | $773,000 |
| Not applicable | 86 | $12,172,000 | $141,000 | $1,424,000 | $12,000 | $109,000 |
| Not Provided | 84 | $8,370,000 | $99,000 | $267,000 | $59,000 | $138,000 |
| Hispanic | 51 | $4,396,000 | $86,000 | $181,000 | $54,000 | $230,000 |
| Black or African American | 11 | $1,056,000 | $96,000 | $156,000 | $64,000 | $100,000 |
| Asian | 4 | $775,000 | $193,000 | $526,000 | $80,000 | $198,000 |
| American Indian or Alaskan Native | 3 | $366,000 | $122,000 | $130,000 | $84,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $232,000 | $116,000 | $143,000 | $28,000 | $33,000 |
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) | 819 | $82,322,000 | $100,000 | $1,424,000 | $65,000 | $773,000 |
| FHA-insured (Federal Housing Administration) | 167 | $17,675,000 | $105,000 | $229,000 | $48,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 104 | $13,648,000 | $131,000 | $347,000 | $47,000 | $150,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 102 | $10,038,000 | $98,000 | $214,000 | $35,000 | $93,000 |
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 | 703 | $72,322,000 | $102,000 | $1,424,000 | $64,000 | $773,000 |
| Application Denied By Financial Institution | 205 | $18,824,000 | $91,000 | $332,000 | $52,000 | $220,000 |
| Loan Purchased By The Institution | 117 | $13,179,000 | $112,000 | $347,000 | $35,000 | $150,000 |
| Application Withdrawn By Applicant | 94 | $10,718,000 | $114,000 | $452,000 | $60,000 | $190,000 |
| Application Approved But Not Accepted | 44 | $6,007,000 | $136,000 | $1,200,000 | $60,000 | $219,000 |
| File Closed For Incompleteness | 29 | $2,633,000 | $90,000 | $312,000 | $56,000 | $160,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 47 | $3,469,000 | $73,000 | $255,000 | $53,000 | $214,000 |
| Collateral | 34 | $3,288,000 | $96,000 | $240,000 | $53,000 | $120,000 |
| Debt-To-Income Ratio | 32 | $2,526,000 | $78,000 | $229,000 | $35,000 | $80,000 |
| Unverifiable Information | 22 | $2,671,000 | $121,000 | $130,000 | $66,000 | $130,000 |
| Credit Application Incomplete | 17 | $1,565,000 | $92,000 | $240,000 | $65,000 | $220,000 |
| Other | 7 | $692,000 | $98,000 | $145,000 | $65,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $644,000 | $107,000 | $156,000 | $36,000 | $84,000 |
| Employment History | 2 | $216,000 | $108,000 | $138,000 | $22,000 | $23,000 |
| 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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