Franklin County, IN Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,324 mortgage applications in Franklin County, IN totaling $175.9 million, down 21% from 2009. The average application was for $132,000, and applicants reported an average income of $69,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was Mainsource Bank, with 268 applications, followed by Fcn Bank and Fifth Third Mortgage Company.
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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 | 1,324 |
| Total Mortgage Loan Application Amount | $175,934,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,560,000 |
* 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 |
|---|---|---|---|---|
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,884,877,000 | 268 | $ 30,399,000 |
| Fcn Bank 501 MAIN STREET, PO BOX 37 BROOKVILLE, IN 47012 |
* | $ 320,292,000 | 223 | $ 27,689,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 85 | $ 12,290,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 57 | $ 10,052,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 48 | $ 6,633,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 40 | $ 5,653,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 39 | $ 3,536,000 |
| The Bath State Bank 3095 BATH ROAD BATH, IN 47010 |
* | $ 153,697,000 | 36 | $ 3,492,000 |
| Indiana Bank and Trust Company PO BOX 648 COLUMBUS, IN 47274 |
* | $ 1,009,502,000 | 26 | $ 3,515,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 26 | $ 2,355,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 25 | $ 3,722,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 22 | $ 2,665,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 685,310,000 | 22 | $ 3,354,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 21 | $ 2,775,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 16 | $ 3,076,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 2,688,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 15 | $ 1,477,000 |
| The Friendship State Bank PO BOX 357 FRIENDSHIP, IN 47021 |
* | $ 268,853,000 | 14 | $ 2,021,000 |
| The Merchants Bank & Trust Co. 111 N. STATE ST. WEST HARRISON, IN 47060 |
* | $ 231,810,000 | 14 | $ 1,029,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 14 | $ 2,656,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,945,709,000 | 13 | $ 1,648,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 12 | $ 2,096,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,671,924,000 | 12 | $ 2,036,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 11 | $ 1,436,000 |
| Cendera Funding Inc. 3600 BENBROOK HWY FORT WORTH, TX 76116 |
* | $ 1,141,000 | 11 | $ 1,616,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 10 | $ 2,159,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 10 | $ 2,022,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 10 | $ 1,600,000 |
| Union Savings and Loan Associa 730 CENTRAL AVE P O BOX 366 CONNERSVILLE, IN 47331 |
* | $ 126,607,000 | 10 | $ 772,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,816,000 |
| Harrison Building and Loan 10490 NEW HAVEN ROAD HARRISON, OH 45030 |
* | $ 212,107,000 | 8 | $ 1,330,000 |
| Cheviot Savings Bank 3723 GLENMORE AVENUE CINCINNATI, OH 45211 |
* | $ 335,693,000 | 6 | $ 1,190,000 |
| Miami Savings Bank 8008 FERRY STREET MIAMITOWN, OH 45041 |
* | $ 114,759,000 | 6 | $ 999,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 6 | $ 786,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 955,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 695,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 6 | $ 605,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 5 | $ 767,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 5 | $ 568,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 5 | $ 689,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 1,093,000 |
| United Community Bank 215 W EADS PARKWAY LAWRENCEBURG, IN 47025 |
* | $ 394,749,000 | 5 | $ 870,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 5 | $ 336,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 4 | $ 292,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,378,160,000 | 4 | $ 671,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 1,038,120,000 | 4 | $ 510,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 4 | $ 661,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 673,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 451,692,000 | 3 | $ 256,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 3 | $ 663,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 3 | $ 418,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 349,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 4,449,416,000 | 2 | $ 145,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 2 | $ 161,000 |
| North Side Bank & Trust Company 4125 HAMILTON AVE CINCINNATI, OH 45223 |
* | $ 508,195,000 | 2 | $ 272,000 |
| M&I Marshall & Ilsley Bank W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 50,253,578,000 | 2 | $ 403,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 108,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,272,096,000 | 2 | $ 147,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 2 | $ 378,000 |
| Warsaw Federal Savings & Loan 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ 69,313,000 | 2 | $ 361,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 441,000 |
| Financial Center First CU 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ 390,108,000 | 2 | $ 150,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 861,202,000 | 2 | $ 386,000 |
| Cinco Family Financial Center 49 WILLIAM HOWARD TAFT CINCINNATI, OH 45219 |
* | $ 130,012,000 | 2 | $ 221,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 256,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 253,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 2 | $ 231,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 267,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 328,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 459,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 354,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 2 | $ 338,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 302,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 156,000 |
| First Republic Mortgage 9120 OTIS AVE SUITE 201 INDIANAPOLIS, IN 46216 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 99,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 124,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 108,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 178,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 100,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 186,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 208,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Main Street Financial 9953 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 8,801,000 | 1 | $ 78,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 392,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DRIVE, STE 250 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 1 | $ 133,000 |
| Aurgroup Financial Credit Union 8811 HOLDEN BLVD FAIRFIELD, OH 45014 |
* | $ 138,137,000 | 1 | $ 43,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 208,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 139,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 523,701,000 | 1 | $ 38,000 |
| Miami University Community Federal Credit Union 5120 COLLEGE CORNER PIKE OXFORD, OH 45056 |
* | $ 43,897,000 | 1 | $ 115,000 |
| Cinfed Federal Credit Union 4801 KENNEDY AVE CINCINNATI, OH 45209 |
* | $ 284,399,000 | 1 | $ 250,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,833,363,000 | 1 | $ 142,000 |
| Cincinnati Federal Savings and 6581 HARRISON AVENUE CINCINNATI, OH 45247 |
* | $ 113,872,000 | 1 | $ 125,000 |
| Ohio Commerce Bank 24400 CHAGRIN BOULEVARD, SUITE 100 BEACHWOOD, OH 44122 |
* | $ 66,175,000 | 1 | $ 133,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 106,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,562,492,000 | 1 | $ 190,000 |
| Centerbank 744 STATE ROUTE 28 MILFORD, OH 45150 |
* | $ 103,644,000 | 1 | $ 273,000 |
| Dearborn Savings Bank 595 W EADS PARKWAY PO BOX 4161 LAWRENCEBURG, IN 47025 |
* | $ 121,896,000 | 1 | $ 81,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 94,000 |
| Cincinnati Ohio Police Federal Credit Union 959 W 8TH STREET CINCINNATI, OH 45203 |
* | $ 81,872,000 | 1 | $ 208,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 392,283,000 | 1 | $ 16,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,845,482,000 | 1 | $ 220,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,396,195,000 | 1 | $ 417,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 201,000 |
| Lcnb National Bank 2 N BROADWAY LEBANON, OH 45036 |
* | $ 733,289,000 | 1 | $ 54,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 635,380,000 | 1 | $ 8,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 1 | $ 14,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 154,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 92,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 13,969,885,000 | 1 | $ 36,000 |
| Eagle National Bank 8045 WEST CHESTER PIKE UPPER DARBY, PA 19082 |
* | $ 273,674,000 | 1 | $ 116,000 |
The tables below break down 2010 mortgage applications in Franklin County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Franklin County, IN in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 939 | $135,337,000 | $144,000 | $990,000 | $72,000 | $1,560,000 |
| Home Purchase | 305 | $36,193,000 | $118,000 | $446,000 | $63,000 | $401,000 |
| Home Improvement | 80 | $4,404,000 | $55,000 | $275,000 | $60,000 | $158,000 |
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 | 1,197 | $156,759,000 | $130,000 | $990,000 | $71,000 | $996,000 |
| Not Provided | 68 | $9,559,000 | $140,000 | $364,000 | $59,000 | $204,000 |
| Not applicable | 45 | $7,836,000 | $174,000 | $417,000 | $6,000 | $239,000 |
| Hispanic | 7 | $625,000 | $89,000 | $153,000 | $57,000 | $81,000 |
| American Indian or Alaskan Native | 4 | $706,000 | $176,000 | $328,000 | $468,000 | $1,560,000 |
| Black or African American | 2 | $395,000 | $197,000 | $250,000 | $50,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $54,000 | $54,000 | $54,000 | $40,000 | $40,000 |
| Asian | 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) | 1,036 | $135,513,000 | $130,000 | $990,000 | $75,000 | $1,560,000 |
| FHA-insured (Federal Housing Administration) | 209 | $29,494,000 | $141,000 | $370,000 | $52,000 | $351,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,186,000 | $116,000 | $262,000 | $50,000 | $315,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,741,000 | $182,000 | $359,000 | $46,000 | $134,000 |
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 | 693 | $94,273,000 | $136,000 | $990,000 | $78,000 | $996,000 |
| Application Denied By Financial Institution | 272 | $30,947,000 | $113,000 | $370,000 | $52,000 | $401,000 |
| Loan Purchased By The Institution | 149 | $22,822,000 | $153,000 | $417,000 | $51,000 | $351,000 |
| Application Approved But Not Accepted | 93 | $12,642,000 | $135,000 | $388,000 | $77,000 | $900,000 |
| Application Withdrawn By Applicant | 84 | $11,028,000 | $131,000 | $279,000 | $63,000 | $175,000 |
| File Closed For Incompleteness | 33 | $4,222,000 | $127,000 | $370,000 | $106,000 | $1,560,000 |
| 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 | 69 | $5,437,000 | $78,000 | $260,000 | $45,000 | $106,000 |
| Collateral | 65 | $8,240,000 | $126,000 | $313,000 | $62,000 | $217,000 |
| Debt-To-Income Ratio | 54 | $6,240,000 | $115,000 | $277,000 | $43,000 | $130,000 |
| Credit Application Incomplete | 15 | $2,402,000 | $160,000 | $370,000 | $61,000 | $204,000 |
| Other | 7 | $975,000 | $139,000 | $287,000 | $142,000 | $401,000 |
| Employment History | 5 | $274,000 | $54,000 | $102,000 | $30,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $239,000 | $79,000 | $155,000 | $45,000 | $52,000 |
| Unverifiable Information | 2 | $275,000 | $137,000 | $217,000 | $70,000 | $91,000 |
| Mortgage Insurance Denied | 1 | $93,000 | $93,000 | $93,000 | $51,000 | $51,000 |
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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