Fulton County, IN Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 1,323 mortgage applications in Fulton County, IN totaling $164.0 million, up 12% from 2020. The average application was for $123,000, and applicants reported an average income of $83,000. 58% of applications resulted in an originated loan and 10% were denied. The most active lender was First Federal Savings Bank, with 239 applications, followed by 21st Mortgage and Lake City 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 | 1,323 |
| Total Mortgage Loan Application Amount | $163,955,000 |
| Average Mortgage Loan Application Amount | $123,000 |
| Highest Mortgage Loan Application Amount | $2,325,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $2,100,000 |
* 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 |
|---|---|---|---|---|
| First Federal Savings Bank P.O. BOX 527 ROCHESTER, IN 46975 |
* | $ 437,320,000 | 239 | $ 37,145,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 180 | $ 4,280,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 4,934,311,000 | 116 | $ 9,030,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 83 | $ 11,515,000 |
| Beacon Credit Union 586 S WABASH ST WABASH, IN 46992 |
* | $ 1,260,999,000 | 67 | $ 8,395,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 3,348,046,000 | 48 | $ 5,240,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 6,622,194,000 | 38 | $ 3,040,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 33 | $ 5,795,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,907,914,000 | 23 | $ 4,015,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 21 | $ 775,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 21 | $ 1,895,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 20 | $ 2,730,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 15 | $ 1,425,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 1,685,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 1,910,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 11 | $ 1,755,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,255,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 9 | $ 2,925,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 8 | $ 1,080,000 |
| Crossroads Bank 1205 N CASS ST PO BOX 259 WABASH, IN 46992 |
* | $ 419,028,000 | 8 | $ 1,320,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,510,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 8 | $ 930,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 935,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,265,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 735,000 |
| Security Federal Savings Bank 314 4TH ST LOGANSPORT, IN 46947 |
* | $ 293,748,000 | 7 | $ 1,095,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 1,005,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 7 | $ 1,435,000 |
| Interra Credit Union 300 W LINCOLN AVE GOSHEN, IN 46527 |
* | $ 1,205,497,000 | 6 | $ 870,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 920,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 6 | $ 380,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 6 | $ 1,250,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 6 | $ 1,030,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 6 | $ 680,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 5 | $ 525,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 5 | $ 945,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 5 | $ 745,000 |
| Solidarity Community Federal Credit Union 201 SOUTHWAY BLVD EAST KOKOMO, IN 46902 |
* | $ 284,038,000 | 5 | $ 845,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 310,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 14,434,311,000 | 4 | $ 370,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 4 | $ 640,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 4 | $ 1,280,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 720,844,000 | 4 | $ 910,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 4 | $ 680,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 12,430,349,000 | 4 | $ 500,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 4 | $ 370,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 405,000 |
| Celebrity Home Loans, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 3 | $ 325,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 415,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 3 | $ 205,000 |
| Community First Bank of Ind 201 W SYCAMORE ST KOKOMO, IN 46901 |
* | $ 330,642,000 | 3 | $ 1,145,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 385,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 1,208,245,000 | 3 | $ 405,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 3 | $ 185,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 215,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 109,679,000 | 3 | $ 395,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 3 | $ 295,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 3 | $ 215,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 585,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 3 | $ 1,285,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 3 | $ 355,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 3 | $ 635,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 3,720,038,000 | 2 | $ 1,780,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 330,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 240,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 230,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 340,000 |
| Notre Dame Federal Credit Union P.O. BOX 7878 NOTRE DAME, IN 46556 |
* | $ 652,360,000 | 2 | $ 320,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 240,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 140,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 250,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,079,626,000 | 2 | $ 260,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 2 | $ 150,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 2 | $ 360,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 2 | $ 160,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 2 | $ 220,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 2 | $ 2,010,000 |
| Forum Credit Union P.O. BOX 50738 INDIANAPOLIS, IN 46250 |
* | $ 1,489,730,000 | 2 | $ 540,000 |
| Alliance Bank 101 W MONTGOMERY ST. FRANCESVILLE, IN 47946 |
* | $ 311,229,000 | 2 | $ 160,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,363,833,000 | 2 | $ 870,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 115,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 6,051,860,000 | 1 | $ 305,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 1 | $ 205,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 2,089,468,000 | 1 | $ 45,000 |
| First Trust Credit Union 950 E US HWY 20 MICHIGAN CITY, IN 46360 |
* | $ 120,638,000 | 1 | $ 155,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 1 | $ 135,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 85,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 3,439,822,000 | 1 | $ 45,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 458,314,000 | 1 | $ 305,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 145,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 305,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 65,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 185,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 135,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 1 | $ 85,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 265,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ -1,000 | 1 | $ 205,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 205,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 1 | $ 175,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 165,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 125,000 |
| First State Bank of Middlebury 111 S. MAIN STREET MIDDLEBURY, IN 46540 |
* | $ 593,315,000 | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 205,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 135,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 325,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 95,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 15,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 1 | $ 305,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 75,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 165,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 155,000 |
| Citizens Bank 33 N INDIANA ST MOORESVILLE, IN 46158 |
* | $ 486,622,000 | 1 | $ 305,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 115,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 145,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 95,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 85,000 |
| Oxford Bank & Trust 1111 W. 22ND STREET #800 OAK BROOK, IL 60523 |
* | $ 614,673,000 | 1 | $ 25,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,789,845,000 | 1 | $ 195,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 95,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 137,588,093,000 | 1 | $ 175,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 95,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 125,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 455,000 |
| Lake Mortgage Company Inc 4000 W. LINCOLN HIGHWAY MERRILLVILLE, IN 46410 |
* | $ -1,000 | 1 | $ 115,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 135,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 10,624,748,000 | 1 | $ 445,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 115,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ 374,350,000 | 1 | $ 25,000 |
The tables below break down 2021 mortgage applications in Fulton 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 Fulton County, IN in 2021
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 | 552 | $72,950,000 | $132,000 | $1,375,000 | $94,000 | $2,100,000 |
| Refinancing | 306 | $40,400,000 | $132,000 | $2,325,000 | $74,000 | $435,000 |
| Cash-out Refinancing | 305 | $43,035,000 | $141,000 | $1,605,000 | $82,000 | $660,000 |
| Other Purpose | 76 | $4,210,000 | $55,000 | $305,000 | $76,000 | $288,000 |
| Not Applicable | 44 | $860,000 | $19,000 | $155,000 | $0 | $0 |
| Home Improvement | 40 | $2,500,000 | $62,000 | $245,000 | $65,000 | $171,000 |
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 | 984 | $133,180,000 | $135,000 | $1,105,000 | $85,000 | $2,100,000 |
| Not applicable | 236 | $17,600,000 | $74,000 | $2,325,000 | $76,000 | $76,000 |
| Not Provided | 64 | $9,010,000 | $140,000 | $355,000 | $67,000 | $294,000 |
| Hispanic | 24 | $2,490,000 | $103,000 | $205,000 | $56,000 | $110,000 |
| Black or African American | 11 | $1,235,000 | $112,000 | $135,000 | $53,000 | $150,000 |
| American Indian or Alaskan Native | 2 | $270,000 | $135,000 | $185,000 | $44,000 | $54,000 |
| Asian | 1 | $55,000 | $55,000 | $55,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $39,000 | $39,000 |
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) | 1,076 | $130,040,000 | $120,000 | $2,325,000 | $89,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 133 | $17,225,000 | $129,000 | $325,000 | $50,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 68 | $11,190,000 | $164,000 | $455,000 | $69,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $5,500,000 | $119,000 | $215,000 | $44,000 | $80,000 |
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 | 770 | $112,690,000 | $146,000 | $2,325,000 | $83,000 | $890,000 |
| Loan Purchased By The Institution | 234 | $12,240,000 | $52,000 | $525,000 | $65,000 | $94,000 |
| Application Denied By Financial Institution | 134 | $12,470,000 | $93,000 | $445,000 | $57,000 | $225,000 |
| Application Withdrawn By Applicant | 107 | $15,465,000 | $144,000 | $1,375,000 | $102,000 | $1,591,000 |
| Application Approved But Not Accepted | 41 | $5,645,000 | $137,000 | $795,000 | $112,000 | $2,100,000 |
| File Closed For Incompleteness | 36 | $5,190,000 | $144,000 | $545,000 | $95,000 | $406,000 |
| Preapproval Approved but not Accepted | 1 | $255,000 | $255,000 | $255,000 | $107,000 | $107,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,186 | $151,170,000 | $127,000 | $2,325,000 | $87,000 | $2,100,000 |
| Credit History | 43 | $3,865,000 | $89,000 | $355,000 | $55,000 | $120,000 |
| Debt-To-Income Ratio | 29 | $2,905,000 | $100,000 | $345,000 | $54,000 | $148,000 |
| Collateral | 27 | $2,655,000 | $98,000 | $445,000 | $77,000 | $225,000 |
| Credit Application Incomplete | 22 | $2,230,000 | $101,000 | $325,000 | $54,000 | $127,000 |
| Other | 12 | $740,000 | $61,000 | $125,000 | $38,000 | $75,000 |
| Employment History | 2 | $210,000 | $105,000 | $135,000 | $29,000 | $30,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $52,000 | $52,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $101,000 | $101,000 |
| 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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