Gratiot County, MI Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 1,163 mortgage applications in Gratiot County, MI totaling $111.0 million, down 1% from 2017. The average application was for $95,000, and applicants reported an average income of $65,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Mercantile Bank, with 178 applications, followed by Isabella Bank and Chemical 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 | 1,163 |
| Total Mortgage Loan Application Amount | $110,995,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $4,115,000 |
| Average Applicant Income | $65,000 |
| Highest Applicant Income | $1,458,000 |
* 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 |
* | $ 3,266,805,000 | 178 | $ 13,910,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,761,016,000 | 73 | $ 6,265,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 19,236,876,000 | 72 | $ 6,210,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 67 | $ 6,095,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 525,648,000 | 62 | $ 6,480,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 57 | $ 1,785,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 42 | $ 3,670,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 24 | $ 2,320,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 22 | $ 1,870,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 3,846,080,000 | 18 | $ 1,740,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 17 | $ 1,615,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,065,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 475,693,000 | 16 | $ 840,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 15 | $ 1,325,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 945,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 14 | $ 940,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,638,115,000 | 14 | $ 1,250,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 14 | $ 1,660,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 13 | $ 1,445,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 12 | $ 1,290,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 12 | $ 650,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,780,041,000 | 11 | $ 1,105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 10 | $ 1,290,000 |
| Fifth Third Mortgage-Mi, LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 10 | $ 1,360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 9 | $ 645,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 9 | $ 1,415,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 735,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 9 | $ 985,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 9 | $ 925,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 525,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 885,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 7 | $ 665,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 319,404,000 | 7 | $ 375,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 111,897,000 | 7 | $ 305,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 7 | $ 645,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 6 | $ 320,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 6 | $ 360,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 490,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 397,925,000 | 6 | $ 960,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 525,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,817,259,000 | 5 | $ 385,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 4 | $ 240,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 460,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 4 | $ 300,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 510,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ -1,000 | 3 | $ 305,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 375,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 275,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 3 | $ 395,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 275,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 5,221,804,000 | 3 | $ 375,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 827,634,000 | 3 | $ 305,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 3 | $ 185,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 20,030,342,000 | 3 | $ 235,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 315,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 285,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 255,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 415,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 445,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 644,988,000 | 3 | $ 185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 195,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 195,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 200,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 2 | $ 310,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 240,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 110,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 120,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 290,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ -1,000 | 2 | $ 250,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 568,721,000 | 2 | $ 90,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 2 | $ 150,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 280,447,000 | 2 | $ 100,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 2 | $ 130,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 160,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 2 | $ 390,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 140,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 567,059,000 | 2 | $ 160,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 190,000 |
| Pfcu 9077 CHARLOTTE HWY PORTLAND, MI 48875 |
* | $ 321,686,000 | 2 | $ 250,000 |
| Oxford Bank & Trust 1111 W. 22ND STREET #800 OAK BROOK, IL 60523 |
* | $ 516,405,000 | 2 | $ 50,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 2 | $ 280,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 347,150,000 | 2 | $ 220,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 2 | $ 70,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 1 | $ 205,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 115,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 656,926,000 | 1 | $ 215,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,528,090,000 | 1 | $ 85,000 |
| Texas Bank Financial 901 SANTA FE DRIVE WEATHERFORD, TX 76086 |
* | $ 243,041,000 | 1 | $ 75,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 500,815,000 | 1 | $ 35,000 |
| Sidney State Bank 3016 SIDNEY SIDNEY, MI 48885 |
* | $ 64,666,000 | 1 | $ 275,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 260,812,000 | 1 | $ 165,000 |
| Community First Federal Credit 9637 N GREENVILLE RD LAKEVIEW, MI 48850 |
* | $ 55,959,000 | 1 | $ 25,000 |
| Priority Funding, LLC 292 MAIN STREET, SUITE G1 NORTHBORO, MA 01532 |
* | $ -1,000 | 1 | $ 25,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,364,710,000 | 1 | $ 165,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 85,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ -1,000 | 1 | $ 85,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 1 | $ 85,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,967,866,000 | 1 | $ 185,000 |
| Astera Credit Union 5615 W SAGINAW HWY LANSING, MI 48917 |
* | $ 140,193,000 | 1 | $ 55,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 3,958,360,000 | 1 | $ 35,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 165,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 125,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 85,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 71,609,090,000 | 1 | $ 455,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 983,761,000 | 1 | $ 145,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 45,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 125,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 763,847,000 | 1 | $ 165,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ -1,000 | 1 | $ 95,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,144,824,000 | 1 | $ 135,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 23,020,511,000 | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 55,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 799,558,000 | 1 | $ 45,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 222,868,000 | 1 | $ 135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 15,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 3,678,712,000 | 1 | $ 75,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 75,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 95,000 |
| Signature Mortgage Corporation 4790 DOUGLAS CIRCLE NW CANTON, OH 44718 |
* | $ -1,000 | 1 | $ 85,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 25,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,384,707,000,000 | 1 | $ 65,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 95,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,349,213,000 | 1 | $ 45,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 4,115,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 1 | $ 85,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 615,919,000 | 1 | $ 3,755,000 |
The tables below break down 2018 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 2018
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 | 628 | $60,260,000 | $95,000 | $605,000 | $64,000 | $1,458,000 |
| Cash-out Refinancing | 190 | $17,860,000 | $94,000 | $255,000 | $65,000 | $356,000 |
| Refinancing | 188 | $24,410,000 | $129,000 | $4,115,000 | $64,000 | $325,000 |
| Other Purpose | 76 | $4,290,000 | $56,000 | $365,000 | $70,000 | $393,000 |
| Home Improvement | 64 | $3,130,000 | $48,000 | $165,000 | $69,000 | $203,000 |
| Not Applicable | 17 | $1,045,000 | $61,000 | $125,000 | $105,000 | $105,000 |
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 | 908 | $78,270,000 | $86,000 | $685,000 | $64,000 | $1,458,000 |
| Not Provided | 110 | $11,170,000 | $101,000 | $315,000 | $72,000 | $205,000 |
| Not applicable | 99 | $17,845,000 | $180,000 | $4,115,000 | $44,000 | $97,000 |
| Hispanic | 30 | $2,410,000 | $80,000 | $175,000 | $49,000 | $128,000 |
| Black or African American | 7 | $435,000 | $62,000 | $195,000 | $63,000 | $105,000 |
| American Indian or Alaskan Native | 5 | $425,000 | $85,000 | $175,000 | $89,000 | $140,000 |
| Asian | 4 | $440,000 | $110,000 | $145,000 | $140,000 | $390,000 |
| 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) | 795 | $70,625,000 | $88,000 | $3,755,000 | $69,000 | $1,458,000 |
| FHA-insured (Federal Housing Administration) | 191 | $21,795,000 | $114,000 | $4,115,000 | $55,000 | $138,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $8,540,000 | $87,000 | $185,000 | $42,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 79 | $10,035,000 | $127,000 | $255,000 | $61,000 | $138,000 |
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 | 677 | $72,275,000 | $106,000 | $4,115,000 | $69,000 | $1,458,000 |
| Application Denied By Financial Institution | 206 | $16,030,000 | $77,000 | $455,000 | $56,000 | $203,000 |
| Application Withdrawn By Applicant | 131 | $10,545,000 | $80,000 | $255,000 | $59,000 | $201,000 |
| Loan Purchased By The Institution | 91 | $8,255,000 | $90,000 | $205,000 | $57,000 | $108,000 |
| File Closed For Incompleteness | 35 | $2,375,000 | $67,000 | $215,000 | $60,000 | $142,000 |
| Application Approved But Not Accepted | 22 | $1,400,000 | $63,000 | $125,000 | $65,000 | $159,000 |
| Preapproval Approved but not Accepted | 1 | $115,000 | $115,000 | $115,000 | $74,000 | $74,000 |
| 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 | 902 | $85,420,000 | $94,000 | $4,115,000 | $65,000 | $1,458,000 |
| Debt-To-Income Ratio | 117 | $14,435,000 | $123,000 | $3,755,000 | $68,000 | $453,000 |
| Credit History | 72 | $4,070,000 | $56,000 | $145,000 | $53,000 | $182,000 |
| Collateral | 38 | $3,710,000 | $97,000 | $385,000 | $77,000 | $203,000 |
| Credit Application Incomplete | 13 | $1,185,000 | $91,000 | $245,000 | $48,000 | $76,000 |
| Other | 10 | $1,310,000 | $131,000 | $455,000 | $59,000 | $106,000 |
| Employment History | 5 | $315,000 | $63,000 | $115,000 | $43,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $345,000 | $115,000 | $175,000 | $97,000 | $168,000 |
| Unverifiable Information | 3 | $205,000 | $68,000 | $95,000 | $70,000 | $108,000 |
| 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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