Gratiot County, MI Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,269 mortgage applications in Gratiot County, MI totaling $119.2 million, up 9% from 2015. The average application was for $93,000, and applicants reported an average income of $61,000. 54% of applications resulted in an originated loan and 24% were denied. The most active lender was Mercantile Bank, with 162 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 | 1,269 |
| Total Mortgage Loan Application Amount | $119,177,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,700,000 |
* 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 |
* | $ 2,883,076,000 | 162 | $ 15,115,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 384,137,000 | 117 | $ 12,831,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,616,259,000 | 97 | $ 8,120,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 60 | $ 4,028,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 9,166,710,000 | 54 | $ 4,289,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 52 | $ 4,309,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 40 | $ 4,459,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 34 | $ 3,292,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 30 | $ 2,919,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 30 | $ 2,488,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 23 | $ 673,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 23 | $ 2,216,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 3,034,515,000 | 23 | $ 1,322,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 20 | $ 1,964,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 18 | $ 1,944,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 15 | $ 800,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 15 | $ 1,412,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 14 | $ 1,164,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,464,830,000 | 14 | $ 1,158,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 13 | $ 4,639,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 13 | $ 1,419,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 11 | $ 1,042,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 11 | $ 1,216,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 253,857,000 | 11 | $ 261,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,397,774,000 | 11 | $ 1,265,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 10 | $ 1,102,000 |
| Journey Federal Credit Union 1200 ZEEB DRIVE ST. JOHNS, MI 48879 |
* | $ 100,648,000 | 8 | $ 67,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 8 | $ 767,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 8 | $ 733,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,680,740,000 | 7 | $ 491,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 1,234,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 7 | $ 872,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 4,089,397,000 | 7 | $ 875,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 987,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 6 | $ 575,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 6 | $ 562,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 6 | $ 646,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 6 | $ 527,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 6 | $ 543,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 25,520,808,000 | 6 | $ 1,542,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 396,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 370,414,000 | 5 | $ 162,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 5 | $ 609,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 5 | $ 363,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 306,566,000 | 5 | $ 593,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 5 | $ 219,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 4 | $ 353,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 336,981,000 | 4 | $ 21,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 600,628,000 | 4 | $ 129,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 4 | $ 346,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 4 | $ 598,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 459,125,000 | 4 | $ 494,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 4 | $ 305,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 471,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 3 | $ 405,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 277,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 442,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 3 | $ 146,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 281,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 3 | $ 196,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 3 | $ 480,000 |
| Sidney State Bank 3016 SIDNEY SIDNEY, MI 48885 |
* | $ 53,753,000 | 3 | $ 307,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 674,549,000 | 3 | $ 17,000 |
| Preferred Credit Union 3767 SPARKS DR SE GRAND RAPIDS, MI 49546 |
* | $ 162,437,000 | 3 | $ 65,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 268,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 3 | $ 115,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 323,033,000 | 2 | $ 243,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 160,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 97,352,000 | 2 | $ 88,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 178,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 2 | $ 14,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 254,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 240,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 122,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 167,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 2 | $ 170,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 2 | $ 191,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 152,000 |
| Community State Bank PO BOX 469 BIRCH RUN, MI 48415 |
* | $ 195,831,000 | 2 | $ 86,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 216,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 232,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 185,895,000 | 2 | $ 91,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 146,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 2 | $ 227,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 524,123,000 | 1 | $ 298,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 1 | $ 29,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 11,846,211,000 | 1 | $ 89,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 1 | $ 40,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 410,754,000 | 1 | $ 56,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 438,084,000 | 1 | $ 147,000 |
| T&I Credit Union 600 N MAIN ST CLAWSON, MI 48017 |
* | $ 71,436,000 | 1 | $ 148,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 87,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ 1,781,000 | 1 | $ 119,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 138,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 127,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 86,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 115,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 230,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 68,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 182,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 197,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Tri-County Bank 4222 MAIN STREET BROWN CITY, MI 48416 |
* | $ 245,968,000 | 1 | $ 398,000 |
| Consumers Professional Credit Union 525 W WILLOW STREET LANSING, MI 48906 |
* | $ 72,911,000 | 1 | $ 45,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 406,373,000 | 1 | $ 69,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 565,408,000 | 1 | $ 286,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 94,000 |
| River Valley Credit Union PO BOX 493 ADA, MI 49301 |
* | $ 84,842,000 | 1 | $ 60,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 451,767,000 | 1 | $ 179,000 |
| Pfcu 9077 CHARLOTTE HWY PORTLAND, MI 48875 |
* | $ 277,047,000 | 1 | $ 29,000 |
| Talmer B&Tc 2301 W BIG BEAVER RD TROY, MI 48084 |
* | $ 6,586,459,000 | 1 | $ 251,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 150 RICHARDSON, TX 75083 |
* | $ 2,214,138,000 | 1 | $ 85,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 417,766,000 | 1 | $ 130,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 246,000 |
The tables below break down 2016 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 2016
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 | 590 | $58,893,000 | $99,000 | $1,650,000 | $56,000 | $562,000 |
| Refinancing | 510 | $52,192,000 | $102,000 | $1,310,000 | $65,000 | $1,020,000 |
| Home Improvement | 169 | $8,092,000 | $47,000 | $834,000 | $66,000 | $1,700,000 |
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 | 1,013 | $96,367,000 | $95,000 | $1,650,000 | $64,000 | $1,700,000 |
| Not Provided | 126 | $9,620,000 | $76,000 | $238,000 | $67,000 | $1,020,000 |
| Not applicable | 76 | $9,133,000 | $120,000 | $1,310,000 | $14,000 | $102,000 |
| Hispanic | 44 | $3,028,000 | $68,000 | $226,000 | $41,000 | $102,000 |
| American Indian or Alaskan Native | 4 | $642,000 | $160,000 | $182,000 | $43,000 | $72,000 |
| Black or African American | 4 | $211,000 | $52,000 | $77,000 | $41,000 | $58,000 |
| Asian | 2 | $176,000 | $88,000 | $113,000 | $34,000 | $60,000 |
| Native Hawaiin 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) | 873 | $81,768,000 | $93,000 | $1,650,000 | $70,000 | $1,700,000 |
| FHA-insured (Federal Housing Administration) | 222 | $21,024,000 | $94,000 | $216,000 | $39,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 108 | $9,047,000 | $83,000 | $282,000 | $34,000 | $88,000 |
| VA-guaranteed (Veterans Administration) | 66 | $7,338,000 | $111,000 | $279,000 | $47,000 | $150,000 |
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 | 680 | $68,091,000 | $100,000 | $1,650,000 | $68,000 | $1,700,000 |
| Application Denied By Financial Institution | 304 | $23,905,000 | $78,000 | $580,000 | $49,000 | $220,000 |
| Application Withdrawn By Applicant | 97 | $10,034,000 | $103,000 | $302,000 | $81,000 | $1,020,000 |
| Loan Purchased By The Institution | 93 | $8,854,000 | $95,000 | $246,000 | $27,000 | $220,000 |
| Application Approved But Not Accepted | 54 | $4,864,000 | $90,000 | $275,000 | $63,000 | $161,000 |
| File Closed For Incompleteness | 41 | $3,429,000 | $83,000 | $279,000 | $56,000 | $159,000 |
| 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 | 49 | $2,851,000 | $58,000 | $282,000 | $42,000 | $153,000 |
| Collateral | 33 | $2,799,000 | $84,000 | $199,000 | $49,000 | $116,000 |
| Debt-To-Income Ratio | 20 | $1,386,000 | $69,000 | $195,000 | $48,000 | $114,000 |
| Credit Application Incomplete | 13 | $995,000 | $76,000 | $129,000 | $46,000 | $124,000 |
| Other | 6 | $286,000 | $47,000 | $68,000 | $34,000 | $60,000 |
| Employment History | 2 | $168,000 | $84,000 | $111,000 | $17,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $266,000 | $133,000 | $182,000 | $21,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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