Fulton County, OH Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,713 mortgage applications in Fulton County, OH totaling $267.4 million, up 17% from 2024. The average application was for $156,000, and applicants reported an average income of $92,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was The Farmers & Merchants State Bank, with 290 applications, followed by Huntington National Bank and The State Bank & Trust 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 1,713
Total Mortgage Loan Application Amount $267,425,000
Average Mortgage Loan Application Amount $156,000
Highest Mortgage Loan Application Amount $1,445,000
Average Applicant Income $92,000
Highest Applicant Income $972,000

Mortgage Company List for Lending in Fulton 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
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 290 $ 46,690,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 168 $ 23,820,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ n/a 104 $ 16,570,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 92 $ 12,520,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 60 $ 5,730,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 38 $ 3,220,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 37 $ 7,235,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 37 $ 6,455,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 37 $ 8,295,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 36 $ 6,730,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 34 $ 6,930,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 32 $ 1,790,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 29 $ 6,495,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 26 $ 4,680,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 23 $ 2,425,000
First Federal Savings and Loan Association of Delta
404 MAIN ST
DELTA, OH 43515
* $ n/a 21 $ 2,905,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 21 $ 835,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 20 $ 2,360,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 19 $ 1,575,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 18 $ 2,410,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 17 $ 2,745,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 15 $ 2,835,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 15 $ 2,575,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ n/a 15 $ 2,015,000
Sun Federal Credit Union
1627 HOLLAND ROAD
MAUMEE, OH 43537
* $ n/a 14 $ 1,610,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 14 $ 2,930,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 14 $ 970,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 14 $ 3,370,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 14 $ 2,450,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 13 $ 2,965,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 12 $ 2,090,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 11 $ 745,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 11 $ 2,085,000
The Sherwood State Bank
105 N HARRISON PO BOX 4546
SHERWOOD, OH 43556
* $ n/a 10 $ 1,370,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 9 $ 1,485,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 9 $ 685,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 9 $ 535,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 8 $ 1,980,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 8 $ 880,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 7 $ 2,015,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 7 $ 1,165,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 7 $ 1,385,000
Tlc Community Credit Union
3030 S ADRIAN HWY
ADRIAN, MI 49221
* $ n/a 7 $ 855,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 7 $ 1,105,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ n/a 6 $ 1,130,000
First Choice Mh LLC
600 W 22ND STREET
OAK BROOK, IL 60523
* $ n/a 6 $ 630,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 6 $ 540,000
The Genoa Banking Company
801 MAIN STREET
GENOA, OH 43430
* $ n/a 6 $ 1,520,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 5 $ 2,005,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 5 $ 935,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 1,155,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 5 $ 1,185,000
Greenstate Credit Union
2355 LANDON RD
NORTH LIBERTY, IA 52317
* $ n/a 5 $ 365,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 4 $ 680,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 1,610,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 4 $ 410,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 4 $ 520,000
Signature Bank, N.A.
4607 W. SYLVANIA AVE.
TOLEDO, OH 43623
* $ n/a 4 $ 1,210,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 4 $ 1,080,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 4 $ 540,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 640,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 3 $ 845,000
Ccf - Auburn Hills Branch
2955 UNIVERSITY DRIVE
AUBURN HILLS, MI 48326
* $ n/a 3 $ 325,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 3 $ 505,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 3 $ 315,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 3 $ 145,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 475,000
Union Capital Mortgage Corp
26021 CENTER RIDGE ROAD
WESTLAKE, OH 44145
* $ n/a 3 $ 655,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 295,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ n/a 3 $ 955,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 305,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 270,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 2 $ 60,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 2 $ 200,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 2 $ 80,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ n/a 2 $ 770,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 2 $ 70,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 2 $ 360,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 2 $ 510,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 350,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 440,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 300,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 250,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 340,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ n/a 2 $ 340,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 2 $ 250,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 2 $ 50,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 450,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 2 $ 470,000
Bank of Hope
3200 WILSHIRE BLVD
LOS ANGELES, CA 90010
* $ n/a 2 $ 570,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 370,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 160,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 100,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 2 $ 1,000,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 2 $ 300,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 690,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ n/a 2 $ 590,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 610,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ n/a 1 $ 345,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 55,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 55,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 135,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 165,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 105,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 75,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 105,000
Obsidian Financial Services
2351 WEST EAU GALLIE BLVD. SUITE 2
MELBOURNE, FL 32935
* $ n/a 1 $ 315,000
Glass City Federal Credit Union
1340 ARROWHEAD DRIVE
MAUMEE, OH 43537
* $ n/a 1 $ 385,000
Monroe Community Credit Union
715 N TELEGRAPH ROAD
MONROE, MI 48162
* $ n/a 1 $ 155,000
Bmi Federal Credit Union
6165 EMERALD PARKWAY
DUBLIN, OH 43016
* $ n/a 1 $ 105,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 145,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 185,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 1 $ 375,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 1 $ 15,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 115,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 405,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 75,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 55,000
Southern Michigan Bank & Trust
51 WEST PEARL STREET
COLDWATER, MI 49036
* $ n/a 1 $ 185,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 215,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ n/a 1 $ 75,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 185,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ n/a 1 $ 55,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ n/a 1 $ 145,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ n/a 1 $ 615,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 1 $ 145,000
Truliant Federal Credit Union
3200 TRULIANT WAY
WINSTON SALEM, NC 27103
* $ n/a 1 $ 75,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ n/a 1 $ 105,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 105,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 205,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 55,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 305,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 255,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 135,000
The Mortgage Link, Inc.
3 RESEARCH PL #100
ROCKVILLE, MD 20850
* $ n/a 1 $ 145,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 395,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 155,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 415,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 165,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 335,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 75,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 145,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ n/a 1 $ 15,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 1 $ 385,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 35,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 325,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 435,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 165,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 1 $ 465,000
The Antwerp Exchange Bank Company
305 S MAIN ST
ANTWERP, OH 45813
* $ n/a 1 $ 155,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 1 $ 395,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 145,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 315,000

The tables below break down 2025 mortgage applications in Fulton 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 Fulton 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 736 $149,860,000 $203,000 $1,445,000 $91,000 $972,000
Cash-out Refinancing 311 $44,125,000 $141,000 $525,000 $90,000 $372,000
Home Improvement 231 $18,185,000 $78,000 $605,000 $95,000 $371,000
Other Purpose 221 $16,305,000 $73,000 $415,000 $88,000 $600,000
Refinancing 214 $38,950,000 $182,000 $805,000 $98,000 $492,000
Not Applicable 0 $0 $0 $0 $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 1,338 $206,440,000 $154,000 $1,445,000 $92,000 $972,000
Not Provided 145 $24,435,000 $168,000 $685,000 $90,000 $492,000
Not applicable 114 $20,040,000 $175,000 $715,000 $108,000 $200,000
Hispanic 96 $12,470,000 $129,000 $525,000 $86,000 $229,000
Black or African American 7 $1,175,000 $167,000 $285,000 $69,000 $109,000
American Indian or Alaskan Native 5 $815,000 $163,000 $205,000 $60,000 $89,000
Asian 5 $1,085,000 $217,000 $335,000 $192,000 $277,000
Native Hawaiian or Other Pacific Islander 3 $965,000 $321,000 $465,000 $150,000 $250,000

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) 1,382 $196,110,000 $141,000 $1,445,000 $93,000 $972,000
FHA-insured (Federal Housing Administration) 220 $43,970,000 $199,000 $535,000 $82,000 $262,000
VA-guaranteed (Veterans Administration) 103 $26,075,000 $253,000 $525,000 $90,000 $255,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $1,270,000 $158,000 $285,000 $82,000 $115,000

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 946 $148,840,000 $157,000 $1,445,000 $96,000 $972,000
Application Denied By Financial Institution 261 $31,025,000 $118,000 $745,000 $78,000 $600,000
Application Withdrawn By Applicant 196 $34,180,000 $174,000 $805,000 $97,000 $577,000
Loan Purchased By The Institution 123 $22,095,000 $179,000 $555,000 $87,000 $200,000
Preapproval Approved but not Accepted 65 $16,135,000 $248,000 $1,005,000 $96,000 $369,000
File Closed For Incompleteness 54 $7,420,000 $137,000 $525,000 $80,000 $212,000
Application Approved But Not Accepted 46 $4,060,000 $88,000 $285,000 $85,000 $229,000
Preapproval Denied by Financial Institution 22 $3,670,000 $166,000 $325,000 $73,000 $154,000

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 1,405 $227,455,000 $161,000 $1,445,000 $95,000 $972,000
Credit History 117 $12,095,000 $103,000 $375,000 $85,000 $600,000
Debt-To-Income Ratio 96 $14,510,000 $151,000 $755,000 $69,000 $297,000
Collateral 43 $5,775,000 $134,000 $585,000 $86,000 $225,000
Credit Application Incomplete 34 $4,760,000 $140,000 $745,000 $93,000 $367,000
Other 11 $1,585,000 $144,000 $325,000 $91,000 $202,000
Insufficient Cash (Downpayment, Closing Cost) 4 $960,000 $240,000 $445,000 $66,000 $114,000
Unverifiable Information 3 $285,000 $95,000 $135,000 $50,000 $71,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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