Fayette County, OH Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,044 mortgage applications in Fayette County, OH totaling $119.9 million, down 6% from 2016. The average application was for $114,000, and applicants reported an average income of $59,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Merchants National Bank, with 116 applications, followed by Huntington National Bank and US Bank, N.A..

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,044
Total Mortgage Loan Application Amount $119,942,000
Average Mortgage Loan Application Amount $114,000
Highest Mortgage Loan Application Amount $2,222,000
Average Applicant Income $59,000
Highest Applicant Income $3,000,000

Mortgage Company List for Lending in Fayette County, OH for 2017

* 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
Merchants National Bank
100 NORTH HIGH STREET
HILLSBORO, OH 45133
* $ 668,499,000 116 $ 14,645,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 99,554,985,000 65 $ 5,916,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 51 $ 4,213,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ 0 48 $ 5,721,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 47 $ 5,795,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 46 $ 4,477,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ -1,000 33 $ 4,447,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 32 $ 4,178,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 24 $ 608,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 22 $ 2,201,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 20 $ 2,313,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 19 $ 2,781,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 16 $ 2,293,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 16 $ 2,004,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 433,141,000 14 $ 1,315,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,459,301,000 13 $ 1,300,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 1,507,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 13 $ 1,183,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 12 $ 1,194,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 139,776,168,000 12 $ 909,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 1,305,671,000 12 $ 531,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 1,696,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 11 $ 1,439,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 11 $ 1,398,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,925,022,000 11 $ 1,406,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 10 $ 275,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,072,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,672,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 9 $ 1,186,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 8 $ 736,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 8 $ 878,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 8 $ 1,160,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 8 $ 205,000
The Savings Bank
118 N COURT ST
CIRCLEVILLE, OH 43113
* $ 341,635,000 7 $ 595,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 7 $ 740,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 746,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 7 $ 634,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 6 $ 450,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 792,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,393,408,000 5 $ 310,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,854,481,000 5 $ 19,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 638,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 5 $ 511,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 5 $ 713,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 4 $ 317,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 4 $ 460,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 939,427,000 4 $ 251,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 4 $ 600,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 427,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ 0 4 $ 385,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 742,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 4 $ 618,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 4 $ 457,000
National Cooperative Bank, N.A.
139 SOUTH HIGH STREET
HILLSBORO, OH 45133
* $ 2,224,466,000 3 $ 158,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 3 $ 439,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 524,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 3 $ 73,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 449,036,000 3 $ 283,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 1,120,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 370,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 164,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 377,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 3 $ 432,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 151,255,000 3 $ 400,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 463,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 253,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 3 $ 382,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 2 $ 222,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 9,760,557,000 2 $ 136,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 2 $ 257,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 2 $ 233,000
Mcs Mortgage Bankers, Inc.
20 OAK STREET
PATCHOGUE, NY 11772
* $ -1,000 2 $ 193,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 287,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 232,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 50,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ 880,534,000 2 $ 345,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 257,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 308,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 234,904,000 2 $ 203,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ 158,426,000 2 $ 107,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 374,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 134,362,217,000 2 $ 67,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 2 $ 283,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 288,000
First Federal Community Bank
119 S SANDUSKY AVENUE
BUCYRUS, OH 44820
* $ 141,903,000 2 $ 297,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 116,939,799,000 2 $ 301,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 235,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,190,097,000 2 $ 459,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ -1,000 2 $ 202,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 2 $ 71,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 2 $ 261,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 13,265,339,000 2 $ 186,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 199,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 2 $ 162,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 185,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 259,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 416,366,000 2 $ 97,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 7,621,000,000 2 $ 370,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 2 $ 180,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 87,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 814,700,000 1 $ 271,000
Assurance Financial Group, L.L.C.
9029 JEFFERSON HIGHWAY SUITE 100
BATON ROUGE, LA 70809
* $ -1,000 1 $ 183,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,456,661,000 1 $ 124,000
Warsaw Federal Savings and Loan Association
3533 WARSAW AVE
CINCINNATI, OH 45205
* $ 69,487,000 1 $ 79,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 1 $ 71,000
American Savings Bank, FSB
503 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 272,209,000 1 $ 226,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 60,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ -1,000 1 $ 2,222,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 1 $ 180,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 158,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 1 $ 116,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 3,946,566,000 1 $ 1,580,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 120,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 113,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 176,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 175,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 434,726,000 1 $ 355,000
Homeland Credit Union
310 CALDWELL ST
CHILLICOTHE, OH 45601
* $ 382,127,000 1 $ 76,000
Atomic Credit Union, Inc
711 BEAVER CREEK ROAD
PIKETON, OH 45661
* $ 267,593,000 1 $ 84,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ 141,181,000 1 $ 15,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 104,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 19,227,800,000 1 $ 163,000
Resmac, Inc.
5400 BROKEN SOUND BLVD #600
BOCA RATON, FL 33487
* $ -1,000 1 $ 191,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 1 $ 163,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,027,051,000 1 $ 95,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,422,140,000 1 $ 158,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 170,000
Home City Federal Savings Bank
2454 N. LIMESTONE ST.
SPRINGFIELD, OH 45503
* $ 155,819,000 1 $ 1,100,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 1 $ 167,000
Heartland Bank
430 N HAMILTON ROAD
WHITEHALL, OH 43213
* $ 780,740,000 1 $ 173,000
Kingston National Bank
2 NORTH MAIN STREET, POST OFFICE BOX 613
KINGSTON, OH 45644
* $ 293,457,000 1 $ 265,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 933,712,000 1 $ 111,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 212,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 1 $ 48,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 1,069,495,000 1 $ 83,000
First Mrchs Bk
200 E. JACKSON ST
MUNCIE, IN 47305
* $ 309,026,000 1 $ 104,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 121,000
Oxford Bank & Trust
1111 W. 22ND STREET #800
OAK BROOK, IL 60523
* $ 493,573,000 1 $ 19,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 153,000
Firefighters & Company Federal Credit Union
338 S. PATTERSON BLVD.
DAYTON, OH 45402
* $ 55,038,000 1 $ 179,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 126,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 82,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 224,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 118,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 147,000

The tables below break down 2017 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 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 593 $73,756,000 $124,000 $1,100,000 $57,000 $3,000,000
Refinancing 339 $40,376,000 $119,000 $2,222,000 $54,000 $376,000
Home Improvement 112 $5,810,000 $51,000 $800,000 $83,000 $1,300,000

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 813 $89,518,000 $110,000 $1,100,000 $67,000 $3,000,000
Not applicable 124 $18,594,000 $149,000 $2,222,000 $4,000 $77,000
Not Provided 73 $7,701,000 $105,000 $313,000 $48,000 $148,000
Black or African American 15 $1,507,000 $100,000 $218,000 $65,000 $163,000
Hispanic 13 $1,866,000 $143,000 $600,000 $71,000 $376,000
American Indian or Alaskan Native 4 $303,000 $75,000 $115,000 $53,000 $101,000
Asian 2 $453,000 $226,000 $305,000 $212,000 $370,000
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) 521 $55,748,000 $107,000 $1,580,000 $81,000 $3,000,000
FHA-insured (Federal Housing Administration) 265 $33,491,000 $126,000 $2,222,000 $37,000 $191,000
VA-guaranteed (Veterans Administration) 135 $17,879,000 $132,000 $268,000 $42,000 $163,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 123 $12,824,000 $104,000 $194,000 $30,000 $111,000

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 543 $63,074,000 $116,000 $1,100,000 $65,000 $380,000
Application Denied By Financial Institution 188 $15,608,000 $83,000 $330,000 $67,000 $3,000,000
Loan Purchased By The Institution 139 $17,224,000 $123,000 $355,000 $13,000 $137,000
Application Withdrawn By Applicant 106 $16,504,000 $155,000 $2,222,000 $54,000 $243,000
File Closed For Incompleteness 44 $4,472,000 $101,000 $199,000 $97,000 $1,300,000
Application Approved But Not Accepted 24 $3,060,000 $127,000 $200,000 $61,000 $144,000
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 62 $3,289,000 $53,000 $239,000 $49,000 $149,000
Debt-To-Income Ratio 31 $3,113,000 $100,000 $295,000 $134,000 $3,000,000
Collateral 24 $2,139,000 $89,000 $189,000 $61,000 $229,000
Credit Application Incomplete 14 $1,814,000 $129,000 $330,000 $70,000 $156,000
Insufficient Cash (Downpayment, Closing Cost) 6 $506,000 $84,000 $102,000 $49,000 $92,000
Other 6 $511,000 $85,000 $160,000 $95,000 $158,000
Mortgage Insurance Denied 1 $70,000 $70,000 $70,000 $45,000 $45,000
Employment History 1 $92,000 $92,000 $92,000 $33,000 $33,000
Unverifiable Information 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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