Fulton County, OH Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 2,654 mortgage applications in Fulton County, OH totaling $366.8 million, up 42% from 2019. The average application was for $138,000, and applicants reported an average income of $79,000. 64% of applications resulted in an originated loan and 12% were denied. The most active lender was The Farmers & Merchants State Bank, with 483 applications, followed by Huntington National Bank and Premier 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 2,654
Total Mortgage Loan Application Amount $366,830,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $1,465,000
Average Applicant Income $79,000
Highest Applicant Income $1,297,000

Mortgage Company List for Lending in Fulton County, OH for 2020

* 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
* $ 1,582,933,000 483 $ 66,955,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 292 $ 34,530,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 3,439,822,000 217 $ 27,225,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,029,694,000 182 $ 26,060,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 150 $ 15,980,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 84 $ 9,950,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 69 $ 9,525,000
First Federal Savings and Loan Association of Delta
404 MAIN ST
DELTA, OH 43515
* $ 165,024,000 59 $ 9,225,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 55 $ 7,615,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 54 $ 8,400,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 50 $ 8,030,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 143,390,269,000 50 $ 6,210,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 47 $ 7,015,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 44 $ 5,600,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 32 $ 5,500,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 32 $ 5,090,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 23 $ 3,535,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 22 $ 3,170,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 22 $ 3,600,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 19 $ 2,935,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 19 $ 2,975,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 18 $ 2,920,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 891,611,000 16 $ 2,440,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 15 $ 665,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 15 $ 1,155,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 15 $ 2,415,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,540,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 14 $ 1,730,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 1,980,000
The Henry County Bank
122 E WASHINGTON STREET
NAPOLEON, OH 43545
* $ 286,240,000 12 $ 2,140,000
Sun Federal Credit Union
1627 HOLLAND ROAD
MAUMEE, OH 43537
* $ 532,589,000 11 $ 1,415,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 11 $ 1,855,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 11 $ 2,315,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 11 $ 1,955,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ -1,000 10 $ 1,410,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 10 $ 1,460,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 10 $ 1,850,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 1,435,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 1,525,000
Oxford Bank & Trust
1111 W. 22ND STREET #800
OAK BROOK, IL 60523
* $ 614,673,000 9 $ 395,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 9 $ 355,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,115,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,375,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 8 $ 1,640,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 8 $ 1,420,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 8 $ 1,330,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 7 $ 915,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,924,103,000 7 $ 1,625,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 7 $ 945,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 695,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,034,678,000 6 $ 480,000
The Bankers Guarantee Title & Trust Company
1113 MEDINA ROAD SUITE # 400
MEDINA, OH 44256
* $ -1,000 6 $ 720,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 1,070,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 935,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 5 $ 745,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 5 $ 1,025,000
Glass City Federal Credit Union
1340 ARROWHEAD DRIVE
MAUMEE, OH 43537
* $ 229,568,000 5 $ 725,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 5 $ 1,145,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 4 $ 510,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 4 $ 790,000
Tlc Community Credit Union
3030 S ADRIAN HWY
ADRIAN, MI 49221
* $ 525,007,000 4 $ 640,000
Waterford Bank, N.A.
3900 N. MCCORD RD
TOLEDO, OH 43617
* $ 772,547,000 4 $ 540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 700,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 4 $ 610,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 4 $ 590,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 4 $ 770,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 4 $ 120,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 4 $ 710,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 4 $ 580,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 4 $ 590,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 877,477,000 4 $ 910,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 495,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 645,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 545,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 3 $ 215,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 3 $ 555,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 3 $ 635,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 325,000
Jeep Country
7030 SPRING MEADOWS DR. WEST
HOLLAND, OH 43528
* $ 74,717,000 3 $ 355,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 425,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 3 $ 475,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 3 $ 635,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ -1,000 3 $ 615,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 3 $ 85,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ 220,464,000 3 $ 245,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ -1,000 3 $ 465,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 170,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 690,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 600,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 2 $ 230,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 390,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 170,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 450,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 2 $ 130,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 310,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 2 $ 330,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 2 $ 250,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 270,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 2 $ 50,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 2 $ 320,000
Croghan Colonial Bank
323 CROGHAN ST
FREMONT, OH 43420
* $ 873,868,000 2 $ 250,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 2 $ 420,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 2 $ 250,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 320,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 210,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 2 $ 490,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 310,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 115,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 1 $ 165,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 185,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 125,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 225,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 1 $ 15,000
Liberty National Bank
100 EAST FRANKLIN STREET
KENTON, OH 43326
* $ 337,523,000 1 $ 55,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 195,000
1st Constitution Bank
1246 S. RIVER RD
CRANBURY, NJ 08512
* $ 1,585,704,000 1 $ 85,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 42,074,066,000 1 $ 185,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 75,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 365,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 315,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 629,553,000 1 $ 175,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 1 $ 55,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 1,241,291,000 1 $ 105,000
Ccf - Auburn Hills Branch
2955 UNIVERSITY DRIVE
AUBURN HILLS, MI 48326
* $ 289,474,000 1 $ 25,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 155,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 185,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 165,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 1 $ 1,465,000
Promedica Federal Credit Union
2301 W. CENTRAL AVE
TOLEDO, OH 43606
* $ 55,238,000 1 $ 55,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ -1,000 1 $ 55,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 185,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 165,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 881,508,000 1 $ 95,000
Bmi Federal Credit Union
6165 EMERALD PARKWAY
DUBLIN, OH 43016
* $ 517,710,000 1 $ 35,000
The Cortland Savings and Banking Company
194 W. MAIN STREET
CORTLAND, OH 44410
* $ 733,844,000 1 $ 175,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 145,000
County National Bank
ONE SOUTH HOWELL ST
HILLSDALE, MI 49242
* $ 736,752,000 1 $ 305,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 85,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 1 $ 75,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 1,208,245,000 1 $ 205,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 1 $ 25,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 155,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 195,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 75,000
Providence Bank & Trust
630 EAST 162ND ST
SOUTH HOLLAND, IL 60473
* $ 1,020,305,000 1 $ 165,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 157,540,000 1 $ 65,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 155,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 18,156,981,000 1 $ 275,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 6,863,398,000 1 $ 385,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ 2,432,103,000 1 $ 285,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 292,682,000 1 $ 135,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 389,451,000 1 $ 165,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 315,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,326,463,000 1 $ 35,000
First Florida Credit Union
500 WEST 1ST STREET
JACKSONVILLE, FL 32202
* $ 1,055,950,000 1 $ 65,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 85,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 205,000

The tables below break down 2020 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 2020

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 1,073 $154,905,000 $144,000 $1,465,000 $86,000 $1,297,000
Home Purchase 844 $124,500,000 $147,000 $525,000 $67,000 $535,000
Cash-out Refinancing 471 $67,395,000 $143,000 $595,000 $83,000 $545,000
Home Improvement 120 $7,880,000 $65,000 $245,000 $89,000 $585,000
Other Purpose 115 $8,745,000 $76,000 $325,000 $80,000 $236,000
Not Applicable 31 $3,405,000 $109,000 $195,000 $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 2,253 $311,405,000 $138,000 $595,000 $80,000 $1,297,000
Not Provided 191 $25,415,000 $133,000 $425,000 $79,000 $242,000
Hispanic 101 $12,305,000 $121,000 $405,000 $57,000 $347,000
Not applicable 91 $15,055,000 $165,000 $1,465,000 $46,000 $69,000
Black or African American 6 $1,090,000 $181,000 $285,000 $82,000 $133,000
American Indian or Alaskan Native 5 $575,000 $115,000 $135,000 $39,000 $70,000
Asian 4 $550,000 $137,000 $245,000 $91,000 $128,000
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) 2,163 $290,885,000 $134,000 $1,465,000 $82,000 $1,297,000
FHA-insured (Federal Housing Administration) 238 $34,150,000 $143,000 $325,000 $62,000 $219,000
VA-guaranteed (Veterans Administration) 183 $32,885,000 $179,000 $435,000 $65,000 $161,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 70 $8,910,000 $127,000 $235,000 $54,000 $95,000

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 1,706 $241,510,000 $141,000 $1,375,000 $82,000 $1,297,000
Application Withdrawn By Applicant 316 $45,670,000 $144,000 $1,465,000 $83,000 $1,225,000
Application Denied By Financial Institution 308 $35,720,000 $115,000 $405,000 $67,000 $535,000
File Closed For Incompleteness 112 $15,030,000 $134,000 $515,000 $75,000 $250,000
Loan Purchased By The Institution 104 $14,520,000 $139,000 $325,000 $62,000 $130,000
Application Approved But Not Accepted 49 $5,635,000 $115,000 $305,000 $75,000 $195,000
Preapproval Approved but not Accepted 36 $5,990,000 $166,000 $355,000 $74,000 $176,000
Preapproval Denied by Financial Institution 23 $2,755,000 $119,000 $265,000 $48,000 $94,000

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 2,308 $326,020,000 $141,000 $1,465,000 $81,000 $1,297,000
Debt-To-Income Ratio 108 $14,860,000 $137,000 $445,000 $58,000 $268,000
Credit History 83 $8,295,000 $99,000 $305,000 $67,000 $170,000
Collateral 69 $6,965,000 $100,000 $325,000 $79,000 $535,000
Other 37 $4,055,000 $109,000 $305,000 $74,000 $177,000
Credit Application Incomplete 27 $3,575,000 $132,000 $285,000 $61,000 $127,000
Employment History 8 $750,000 $93,000 $165,000 $50,000 $83,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,125,000 $160,000 $305,000 $89,000 $217,000
Unverifiable Information 5 $825,000 $165,000 $245,000 $103,000 $137,000
Mortgage Insurance Denied 2 $360,000 $180,000 $265,000 $57,000 $94,000

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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