Gratiot County, MI Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 1,169 mortgage applications in Gratiot County, MI totaling $104.5 million, up 5% from 2014. The average application was for $89,000, and applicants reported an average income of $58,000. 52% of applications resulted in an originated loan and 23% were denied. The most active lender was Mercantile Bank, with 165 applications, followed by Commercial Bank and Isabella 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 | 1,169 |
| Total Mortgage Loan Application Amount | $104,468,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $1,054,000 |
* 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 |
|---|---|---|---|---|
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 2,873,028,000 | 165 | $ 14,101,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 373,191,000 | 98 | $ 9,498,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,493,057,000 | 95 | $ 9,648,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 89 | $ 6,650,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 7,312,796,000 | 80 | $ 6,680,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 38 | $ 3,048,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 33 | $ 943,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 27 | $ 2,495,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 25 | $ 2,519,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 20 | $ 2,311,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,775,046,000 | 19 | $ 851,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 18 | $ 2,647,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 15 | $ 1,278,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 15 | $ 1,258,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 15 | $ 987,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 14 | $ 1,204,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 13 | $ 1,281,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 12 | $ 740,000 |
| Journey Federal Credit Union 1200 ZEEB DRIVE ST. JOHNS, MI 48879 |
* | $ 95,626,000 | 12 | $ 266,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,237,914,000 | 11 | $ 1,333,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 573,815,000 | 10 | $ 488,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 10 | $ 1,213,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 10 | $ 1,124,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,229,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 9 | $ 771,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 8 | $ 749,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 8 | $ 874,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 421,350,000 | 8 | $ 1,471,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,423,001,000 | 8 | $ 720,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 7 | $ 693,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 655,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 7 | $ 781,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 7 | $ 436,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 6 | $ 553,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 6 | $ 666,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 6 | $ 457,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 452,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 6 | $ 668,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 3,540,518,000 | 6 | $ 583,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 6 | $ 436,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 5 | $ 485,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 5 | $ 403,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 5 | $ 345,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 4 | $ 387,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 402,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 451,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 4 | $ 420,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 298,256,000 | 4 | $ 305,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 271,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,661,461,000 | 3 | $ 85,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 585,361,000 | 3 | $ 10,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,589,835,000 | 3 | $ 110,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 290,341,000 | 3 | $ 514,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 417,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 271,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 3 | $ 259,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 232,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 3 | $ 149,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 171,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 2 | $ 236,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 2 | $ 109,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ 1,781,000 | 2 | $ 319,000 |
| Consumers Professional Credit Union 525 W WILLOW STREET LANSING, MI 48906 |
* | $ 71,218,000 | 2 | $ 84,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 382,974,000 | 2 | $ 149,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 2 | $ 311,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 274,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 406,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 179,073,000 | 2 | $ 6,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 150 RICHARDSON, TX 75083 |
* | $ 2,105,747,000 | 2 | $ 127,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 2 | $ 257,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 675,074,000 | 2 | $ 104,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 5,045,286,000 | 2 | $ 269,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 2 | $ 218,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 336,634,000 | 1 | $ 46,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 93,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Flagship Financial Group, Llc. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 128,000 |
| American 1 Credit Union 718 E. MICHIGAN AVE. JACKSON, MI 49201 |
* | $ 270,121,000 | 1 | $ 10,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 67,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,334,488,000 | 1 | $ 750,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 425,715,000 | 1 | $ 4,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 76,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 25,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 91,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 345,038,000 | 1 | $ 188,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 240,883,000 | 1 | $ 65,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 377,710,000 | 1 | $ 84,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 98,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 229,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 76,000 |
| Sagelink Credit Union 311 N SAGINAW ST DURAND, MI 48429 |
* | $ 169,312,000 | 1 | $ 184,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 414,425,000 | 1 | $ 27,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 91,853,000 | 1 | $ 40,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 142,000 |
| Homesite Mortgage, LLC 222 S MAIN ST STE 106 ROCHESTER, MI 48307 |
* | $ 6,646,000 | 1 | $ 150,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 166,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 92,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 122,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 56,000 |
| National Asset Mortgage, LLC 4350 ST. ANDREWS RD.; SUITE F COLUMBIA, SC 29210 |
* | $ 3,392,190,000 | 1 | $ 24,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 84,000 |
| Michigan First Mortgage Inc 6501 HIGHLAND RD WATERFORD, MI 48327 |
* | $ 764,593,751,000 | 1 | $ 77,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 1 | $ 142,000 |
| McGlone Mortgage Company, Inc. 3701 E. EVERGREEN DRIVE, SUITE 500B APPLETON, WI 54913 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 6,265,793,000 | 1 | $ 146,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 325,939,000 | 1 | $ 8,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 80,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 700,720,000 | 1 | $ 96,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 41,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 1 | $ 127,000 |
| Sidney State Bank 3016 SIDNEY SIDNEY, MI 48885 |
* | $ 50,275,000 | 1 | $ 56,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 178,676,927,000 | 1 | $ 41,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 20,000 |
The tables below break down 2015 mortgage applications in Gratiot County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Gratiot County, MI in 2015
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 | 520 | $54,526,000 | $104,000 | $800,000 | $64,000 | $1,054,000 |
| Home Purchase | 504 | $43,923,000 | $87,000 | $336,000 | $51,000 | $584,000 |
| Home Improvement | 145 | $6,019,000 | $41,000 | $360,000 | $62,000 | $226,000 |
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 | 946 | $85,033,000 | $89,000 | $800,000 | $62,000 | $1,054,000 |
| Not Provided | 93 | $7,473,000 | $80,000 | $500,000 | $65,000 | $484,000 |
| Not applicable | 92 | $9,261,000 | $100,000 | $770,000 | $12,000 | $137,000 |
| Hispanic | 25 | $1,589,000 | $63,000 | $136,000 | $45,000 | $125,000 |
| Asian | 5 | $376,000 | $75,000 | $126,000 | $105,000 | $200,000 |
| Black or African American | 5 | $534,000 | $106,000 | $154,000 | $105,000 | $164,000 |
| American Indian or Alaskan Native | 2 | $125,000 | $62,000 | $73,000 | $38,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $77,000 | $77,000 | $77,000 | $37,000 | $37,000 |
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) | 823 | $71,912,000 | $87,000 | $800,000 | $68,000 | $1,054,000 |
| FHA-insured (Federal Housing Administration) | 196 | $18,402,000 | $93,000 | $224,000 | $34,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $6,850,000 | $83,000 | $165,000 | $29,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 68 | $7,304,000 | $107,000 | $229,000 | $50,000 | $142,000 |
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 | 604 | $57,229,000 | $94,000 | $800,000 | $71,000 | $1,054,000 |
| Application Denied By Financial Institution | 269 | $20,901,000 | $77,000 | $500,000 | $47,000 | $302,000 |
| Loan Purchased By The Institution | 97 | $8,886,000 | $91,000 | $229,000 | $17,000 | $137,000 |
| Application Withdrawn By Applicant | 88 | $8,216,000 | $93,000 | $281,000 | $48,000 | $136,000 |
| File Closed For Incompleteness | 66 | $4,890,000 | $74,000 | $190,000 | $46,000 | $170,000 |
| Application Approved But Not Accepted | 45 | $4,346,000 | $96,000 | $410,000 | $78,000 | $547,000 |
| 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 | 54 | $3,503,000 | $64,000 | $193,000 | $50,000 | $136,000 |
| Collateral | 23 | $2,504,000 | $108,000 | $200,000 | $74,000 | $167,000 |
| Debt-To-Income Ratio | 18 | $1,223,000 | $67,000 | $165,000 | $39,000 | $87,000 |
| Credit Application Incomplete | 16 | $1,626,000 | $101,000 | $205,000 | $48,000 | $130,000 |
| Other | 8 | $374,000 | $46,000 | $104,000 | $47,000 | $78,000 |
| Unverifiable Information | 5 | $313,000 | $62,000 | $70,000 | $36,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $152,000 | $76,000 | $93,000 | $29,000 | $39,000 |
| Employment History | 1 | $99,000 | $99,000 | $99,000 | $69,000 | $69,000 |
| 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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