Fayette County, OH Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,369 mortgage applications in Fayette County, OH totaling $241.6 million, up 10% from 2024. The average application was for $176,000, and applicants reported an average income of $93,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was Huntington National Bank, with 146 applications, followed by Fifth Third Bank, National Association and US Bank, N.A..

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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 1,369
Total Mortgage Loan Application Amount $241,645,000
Average Mortgage Loan Application Amount $176,000
Highest Mortgage Loan Application Amount $2,105,000
Average Applicant Income $93,000
Highest Applicant Income $696,000

Mortgage Company List for Lending in Fayette County, OH for 2025

* 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 146 $ 15,160,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 84 $ 11,420,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 62 $ 7,670,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 56 $ 12,060,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 54 $ 11,390,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 51 $ 11,325,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 43 $ 9,565,000
Merchants National Bank
100 NORTH HIGH STREET
HILLSBORO, OH 45133
* $ n/a 42 $ 8,830,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 41 $ 4,475,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 32 $ 5,710,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 30 $ 7,030,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 28 $ 4,490,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 24 $ 6,690,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ n/a 23 $ 3,305,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 21 $ 4,645,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 21 $ 2,235,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 19 $ 4,765,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 18 $ 3,780,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ n/a 17 $ 1,185,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 17 $ 3,535,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 16 $ 2,080,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 15 $ 3,725,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 15 $ 1,245,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 14 $ 3,760,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 14 $ 770,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 13 $ 2,525,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 13 $ 2,015,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 13 $ 2,935,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 12 $ 2,720,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 11 $ 1,725,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 10 $ 540,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 9 $ 1,485,000
Atomic Credit Union, Inc
711 BEAVER CREEK ROAD
PIKETON, OH 45661
* $ n/a 9 $ 955,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 8 $ 800,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 8 $ 980,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 8 $ 420,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 7 $ 1,295,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 7 $ 385,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 7 $ 1,535,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 7 $ 1,115,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 6 $ 620,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 6 $ 1,050,000
First Federal Community Bank
119 S SANDUSKY AVENUE
BUCYRUS, OH 44820
* $ n/a 6 $ 1,810,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 6 $ 1,420,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 6 $ 590,000
Southern Hills Community Bank
45 E. MAIN ST.
LEESBURG, OH 45135
* $ n/a 6 $ 1,270,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 6 $ 380,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 6 $ 1,060,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ n/a 5 $ 515,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 710,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ n/a 4 $ 560,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 4 $ 490,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 4 $ 380,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 660,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ n/a 4 $ 680,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 4 $ 880,000
Union Capital Mortgage Corp
26021 CENTER RIDGE ROAD
WESTLAKE, OH 44145
* $ n/a 4 $ 580,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 4 $ 540,000
Bmi Federal Credit Union
6165 EMERALD PARKWAY
DUBLIN, OH 43016
* $ n/a 4 $ 360,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 290,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 740,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ n/a 4 $ 7,630,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ n/a 4 $ 280,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 740,000
Telhio Credit Union, Inc.
96 N. 4TH STREET
COLUMBUS, OH 43215
* $ n/a 4 $ 590,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 4 $ 390,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 4 $ 960,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 3 $ 1,685,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 3 $ 935,000
The Savings Bank
118 N COURT ST
CIRCLEVILLE, OH 43113
* $ n/a 3 $ 505,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 3 $ 1,815,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ n/a 3 $ 545,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ n/a 3 $ 715,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 3 $ 105,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 455,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 3 $ 725,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 3 $ 585,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 395,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 320,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 2 $ 240,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 2 $ 570,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 2 $ 460,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 340,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ n/a 2 $ 300,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 280,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 400,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 630,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 510,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 600,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 2 $ 500,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 2 $ 50,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ n/a 2 $ 520,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 440,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 2 $ 330,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 2 $ 470,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 2 $ 590,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 930,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 150,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 800,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 2 $ 370,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 2 $ 50,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 2 $ 420,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ n/a 2 $ 90,000
Providence Bank & Trust
630 EAST 162ND ST
SOUTH HOLLAND, IL 60473
* $ n/a 2 $ 2,280,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ n/a 2 $ 670,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 2 $ 380,000
Mm Lending, LLC
4165 WESTPORT RD SUITE 204
LOUISVILLE, KY 40222
* $ n/a 1 $ 95,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 1 $ 435,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 1 $ 105,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 395,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 305,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 65,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ n/a 1 $ 385,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 265,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 155,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 45,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 1 $ 15,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 65,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 325,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 135,000
Ice Lender Holdings LLC
31 W 34TH ST. #1012
NEW YORK, NY 10018
* $ n/a 1 $ 155,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ n/a 1 $ 185,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 195,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ n/a 1 $ 375,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 145,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ n/a 1 $ 115,000
Cme Federal Credit Union
150 E MOUND STREET SUITE 100
COLUMBUS, OH 43215
* $ n/a 1 $ 335,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 1 $ 205,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ n/a 1 $ 135,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 455,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 185,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ n/a 1 $ 55,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 105,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 285,000
New Wave Lending Group Inc
17700 CASTLETON ST. #268
CITY OF INDUSTRY, CA 91748
* $ n/a 1 $ 305,000
The Bath State Bank
3095 BATH ROAD
BATH, IN 47010
* $ n/a 1 $ 425,000
East Coast Capital Corp.
25 MELVILLE PARK ROAD SUITE 200
MELVILLE, NY 11743
* $ n/a 1 $ 55,000
North Valley Bank
PO BOX 1115, 2775 MAYSVILLE PIKE
ZANESVILLE, OH 43701
* $ n/a 1 $ 65,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 1 $ 475,000
First Technology Federal Credit Union

HILLSBORO, OR 97124
* $ n/a 1 $ 85,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 1 $ 555,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 205,000
Cache Valley Bank
101 NORTH MAIN
LOGAN, UT 84321
* $ n/a 1 $ 325,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 95,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 1 $ 115,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 285,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 235,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ n/a 1 $ 225,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 275,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ n/a 1 $ 145,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 135,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 125,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 105,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ n/a 1 $ 515,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 105,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 1 $ 615,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 165,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 1 $ 235,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ n/a 1 $ 255,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 245,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 1 $ 215,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ n/a 1 $ 285,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ n/a 1 $ 265,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 1 $ 125,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 1 $ 215,000

The tables below break down 2025 mortgage applications in Fayette 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 Fayette County, OH in 2025

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 619 $144,305,000 $233,000 $2,105,000 $95,000 $696,000
Cash-out Refinancing 240 $38,010,000 $158,000 $615,000 $83,000 $312,000
Refinancing 178 $33,570,000 $188,000 $965,000 $90,000 $445,000
Other Purpose 164 $12,450,000 $75,000 $475,000 $102,000 $360,000
Home Improvement 164 $12,740,000 $77,000 $385,000 $96,000 $484,000
Not Applicable 4 $570,000 $142,000 $225,000 $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 1,021 $165,505,000 $162,000 $1,255,000 $93,000 $696,000
Not applicable 163 $42,315,000 $259,000 $2,105,000 $82,000 $151,000
Not Provided 112 $20,590,000 $183,000 $525,000 $101,000 $425,000
Hispanic 28 $5,300,000 $189,000 $335,000 $76,000 $247,000
Black or African American 26 $4,030,000 $155,000 $355,000 $80,000 $190,000
American Indian or Alaskan Native 10 $1,910,000 $191,000 $515,000 $65,000 $161,000
Asian 9 $1,995,000 $221,000 $345,000 $182,000 $526,000
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) 895 $136,155,000 $152,000 $2,105,000 $99,000 $696,000
FHA-insured (Federal Housing Administration) 317 $66,035,000 $208,000 $535,000 $76,000 $214,000
VA-guaranteed (Veterans Administration) 106 $30,540,000 $288,000 $765,000 $103,000 $220,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 51 $8,915,000 $174,000 $245,000 $64,000 $94,000

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 691 $128,995,000 $186,000 $1,915,000 $102,000 $696,000
Application Denied By Financial Institution 261 $27,215,000 $104,000 $535,000 $76,000 $407,000
Application Withdrawn By Applicant 160 $35,050,000 $219,000 $2,105,000 $88,000 $445,000
Loan Purchased By The Institution 160 $34,400,000 $215,000 $765,000 $82,000 $345,000
File Closed For Incompleteness 53 $9,245,000 $174,000 $615,000 $93,000 $200,000
Application Approved But Not Accepted 40 $6,020,000 $150,000 $365,000 $100,000 $526,000
Preapproval Approved but not Accepted 3 $525,000 $175,000 $195,000 $55,000 $65,000
Preapproval Denied by Financial Institution 1 $195,000 $195,000 $195,000 $54,000 $54,000

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 1,098 $212,820,000 $193,000 $2,105,000 $98,000 $696,000
Credit History 93 $9,285,000 $99,000 $465,000 $87,000 $407,000
Debt-To-Income Ratio 78 $8,750,000 $112,000 $445,000 $57,000 $195,000
Collateral 43 $5,605,000 $130,000 $535,000 $83,000 $261,000
Credit Application Incomplete 28 $2,170,000 $77,000 $165,000 $93,000 $254,000
Other 16 $1,790,000 $111,000 $285,000 $74,000 $230,000
Unverifiable Information 5 $255,000 $51,000 $65,000 $48,000 $80,000
Employment History 4 $340,000 $85,000 $125,000 $74,000 $125,000
Insufficient Cash (Downpayment, Closing Cost) 4 $630,000 $157,000 $305,000 $61,000 $82,000
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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