Gratiot County, MI Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,150 mortgage applications in Gratiot County, MI totaling $151.4 million, down 1% from 2023. The average application was for $131,000, and applicants reported an average income of $78,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Mercantile Bank, with 110 applications, followed by Huntington National 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 | 1,150 |
| Total Mortgage Loan Application Amount | $151,410,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $2,065,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,104,000 |
* 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 |
* | $ n/a | 110 | $ 12,550,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 70 | $ 6,490,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ n/a | 61 | $ 10,415,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 51 | $ 3,095,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 39 | $ 5,635,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 34 | $ 5,880,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 31 | $ 1,275,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 31 | $ 5,525,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ n/a | 29 | $ 5,005,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 28 | $ 4,710,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ n/a | 24 | $ 3,300,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ n/a | 23 | $ 4,395,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 21 | $ 1,345,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 18 | $ 2,840,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ n/a | 16 | $ 1,500,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 3,230,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 15 | $ 1,125,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 14 | $ 1,660,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 14 | $ 2,090,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ n/a | 13 | $ 1,015,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ n/a | 13 | $ 1,575,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ n/a | 12 | $ 2,170,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 12 | $ 1,300,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 2,150,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 10 | $ 1,320,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ n/a | 10 | $ 620,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 10 | $ 1,650,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 10 | $ 1,500,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 9 | $ 1,855,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 9 | $ 1,885,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 865,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ n/a | 8 | $ 580,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 8 | $ 910,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ n/a | 8 | $ 510,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 8 | $ 260,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 8 | $ 1,030,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 7 | $ 735,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 7 | $ 1,075,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 6 | $ 930,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ n/a | 6 | $ 380,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 6 | $ 530,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 6 | $ 260,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 6 | $ 340,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ n/a | 6 | $ 1,000,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ n/a | 6 | $ 960,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ n/a | 6 | $ 1,320,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 5 | $ 455,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 5 | $ 1,825,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 5 | $ 575,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ n/a | 5 | $ 815,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 565,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 1,035,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 5 | $ 1,335,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ n/a | 5 | $ 315,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 4 | $ 700,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ n/a | 4 | $ 310,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 4 | $ 340,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 4 | $ 760,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,450,000 |
| Pfn Lending Group, Inc. 5016 N PARKWAY CALABASAS CALABASAS, CA 91302 |
* | $ n/a | 4 | $ 400,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 500,000 |
| Zippy Loans, LLC 2807 ALLEN ST DALLAS, TX 75204 |
* | $ n/a | 4 | $ 220,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 4 | $ 540,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 4 | $ 650,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 3 | $ 375,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 635,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 345,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ n/a | 3 | $ 125,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 445,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ n/a | 3 | $ 465,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 365,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 435,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 3 | $ 555,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 3 | $ 105,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ n/a | 3 | $ 325,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 360,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 350,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ n/a | 2 | $ 360,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 370,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ n/a | 2 | $ 230,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 110,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ n/a | 2 | $ 230,000 |
| Sidney State Bank 3016 SIDNEY SIDNEY, MI 48885 |
* | $ n/a | 2 | $ 330,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ n/a | 2 | $ 190,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 2 | $ 240,000 |
| Michigan First Credit Union 27000 EVERGREEN LATHRUP VILLAGE, MI 48076 |
* | $ n/a | 2 | $ 230,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 110,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ n/a | 1 | $ 305,000 |
| Meijer Credit Union 2410 GAYNOR AVE. NW GRAND RAPIDS, MI 49544 |
* | $ n/a | 1 | $ 15,000 |
| Union Bank 670 CASCADE WEST PARKWAY SE CASCADE, MI 49546 |
* | $ n/a | 1 | $ 65,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ n/a | 1 | $ 125,000 |
| Change Lending 175 N. RIVERVIEW DRIVE SUITE C ANAHEIM, CA 92808 |
* | $ n/a | 1 | $ 135,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 155,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 1 | $ 45,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 205,000 |
| Lake Huron Credit Union 1540 TITTABAWASSEE RD SAGINAW, MI 48603 |
* | $ n/a | 1 | $ 85,000 |
| Astera Credit Union 5615 W SAGINAW HWY LANSING, MI 48917 |
* | $ n/a | 1 | $ 25,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ n/a | 1 | $ 155,000 |
| Oak Mortgage, LLC 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ n/a | 1 | $ 285,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 45,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 1,675,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 35,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ n/a | 1 | $ 15,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 155,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 225,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 1 | $ 145,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 175,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 85,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ n/a | 1 | $ 175,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 1 | $ 45,000 |
| Community First Federal Credit 9637 N GREENVILLE RD LAKEVIEW, MI 48850 |
* | $ n/a | 1 | $ 105,000 |
| The Mortgage Link, Inc. 3 RESEARCH PL #100 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 185,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 25,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 45,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 1 | $ 25,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 305,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 265,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 245,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 1 | $ 65,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ n/a | 1 | $ 105,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 175,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 215,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 85,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 105,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 115,000 |
| Evergreen Bank Group 1515 22ND ST # 100 OAK BROOK, IL 60523 |
* | $ n/a | 1 | $ 75,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 1 | $ 15,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 65,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 55,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ n/a | 1 | $ 225,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ n/a | 1 | $ 45,000 |
| Mlb Residential Lending, LLC 51 COMMERCE ST SPRINGFIELD, NJ 07081 |
* | $ n/a | 1 | $ 145,000 |
| Northcountry Federal Credit Union PO BOX 64709 BURLINGTON, VT 05406 |
* | $ n/a | 1 | $ 85,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ n/a | 1 | $ 25,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ n/a | 1 | $ 35,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ n/a | 1 | $ 245,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 135,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 85,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 135,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 165,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ n/a | 1 | $ 215,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 155,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ n/a | 1 | $ 265,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2024 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 2024
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 | 615 | $98,315,000 | $159,000 | $2,065,000 | $77,000 | $419,000 |
| Cash-out Refinancing | 190 | $25,010,000 | $131,000 | $385,000 | $74,000 | $428,000 |
| Other Purpose | 131 | $8,225,000 | $62,000 | $405,000 | $84,000 | $1,104,000 |
| Home Improvement | 115 | $5,555,000 | $48,000 | $265,000 | $82,000 | $260,000 |
| Refinancing | 97 | $14,125,000 | $145,000 | $1,675,000 | $74,000 | $226,000 |
| Not Applicable | 2 | $180,000 | $90,000 | $125,000 | $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 | 885 | $110,505,000 | $124,000 | $2,065,000 | $78,000 | $1,104,000 |
| Not Provided | 97 | $11,385,000 | $117,000 | $365,000 | $67,000 | $261,000 |
| Not applicable | 91 | $18,555,000 | $203,000 | $1,675,000 | $65,000 | $65,000 |
| Hispanic | 52 | $5,920,000 | $113,000 | $205,000 | $73,000 | $248,000 |
| Black or African American | 15 | $3,895,000 | $259,000 | $755,000 | $128,000 | $419,000 |
| American Indian or Alaskan Native | 6 | $680,000 | $113,000 | $185,000 | $100,000 | $317,000 |
| Asian | 3 | $395,000 | $131,000 | $225,000 | $66,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $53,000 | $53,000 |
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) | 801 | $94,195,000 | $117,000 | $2,065,000 | $82,000 | $1,104,000 |
| FHA-insured (Federal Housing Administration) | 221 | $32,535,000 | $147,000 | $405,000 | $62,000 | $277,000 |
| VA-guaranteed (Veterans Administration) | 83 | $18,015,000 | $217,000 | $755,000 | $87,000 | $419,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $6,665,000 | $148,000 | $245,000 | $65,000 | $100,000 |
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 | 623 | $85,465,000 | $137,000 | $1,675,000 | $82,000 | $428,000 |
| Application Denied By Financial Institution | 240 | $25,340,000 | $105,000 | $2,065,000 | $66,000 | $1,104,000 |
| Application Withdrawn By Applicant | 128 | $19,490,000 | $152,000 | $755,000 | $83,000 | $419,000 |
| Loan Purchased By The Institution | 88 | $14,210,000 | $161,000 | $435,000 | $99,000 | $165,000 |
| File Closed For Incompleteness | 45 | $4,155,000 | $92,000 | $365,000 | $67,000 | $165,000 |
| Application Approved But Not Accepted | 23 | $2,355,000 | $102,000 | $235,000 | $71,000 | $152,000 |
| Preapproval Approved but not Accepted | 3 | $395,000 | $131,000 | $205,000 | $45,000 | $67,000 |
| 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 | 862 | $119,070,000 | $138,000 | $1,675,000 | $79,000 | $428,000 |
| Debt-To-Income Ratio | 109 | $12,215,000 | $112,000 | $565,000 | $75,000 | $293,000 |
| Credit History | 86 | $6,840,000 | $79,000 | $385,000 | $74,000 | $1,104,000 |
| Collateral | 47 | $6,045,000 | $128,000 | $755,000 | $83,000 | $281,000 |
| Credit Application Incomplete | 18 | $1,870,000 | $103,000 | $335,000 | $54,000 | $130,000 |
| Other | 15 | $4,075,000 | $271,000 | $2,065,000 | $75,000 | $226,000 |
| Unverifiable Information | 6 | $530,000 | $88,000 | $115,000 | $69,000 | $265,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $495,000 | $99,000 | $135,000 | $53,000 | $83,000 |
| Employment History | 2 | $270,000 | $135,000 | $175,000 | $44,000 | $58,000 |
| 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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