Guernsey County, OH Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,496 mortgage applications in Guernsey County, OH totaling $230.8 million, up 18% from 2024. The average application was for $154,000, and applicants reported an average income of $89,000. 51% of applications resulted in an originated loan and 17% were denied. The most active lender was Huntington National Bank, with 203 applications, followed by Peoples Bank and US Bank, N.A..

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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 1,496
Total Mortgage Loan Application Amount $230,830,000
Average Mortgage Loan Application Amount $154,000
Highest Mortgage Loan Application Amount $1,905,000
Average Applicant Income $89,000
Highest Applicant Income $2,699,000

Mortgage Company List for Lending in Guernsey County, OH for 2025

* 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 203 $ 25,875,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 108 $ 12,100,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 64 $ 8,640,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 53 $ 5,085,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 48 $ 9,180,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ n/a 45 $ 8,875,000
The Community Bank
113 N FIFTH STREET
ZANESVILLE, OH 43701
* $ n/a 43 $ 6,855,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 38 $ 3,980,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 38 $ 9,510,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 38 $ 5,010,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 36 $ 6,970,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 35 $ 4,965,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 35 $ 6,595,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 28 $ 5,780,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 27 $ 5,385,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 22 $ 3,320,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 22 $ 5,100,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 19 $ 2,415,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ n/a 18 $ 2,940,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 3,410,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 18 $ 1,340,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 14 $ 2,930,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 14 $ 2,360,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 13 $ 2,735,000
Woodsfield Savings Bank
600 LEWISVILLE RD
WOODSFIELD, OH 43793
* $ n/a 13 $ 2,515,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 13 $ 3,005,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 13 $ 1,385,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 12 $ 1,810,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 12 $ 540,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 11 $ 1,665,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 11 $ 2,305,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 1,730,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 10 $ 1,310,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 10 $ 970,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 745,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 9 $ 3,385,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 1,905,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 8 $ 1,070,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 7 $ 1,325,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 7 $ 1,295,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 7 $ 1,935,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 7 $ 925,000
Belmont Savings Bank
PO BOX 654
BELLAIRE, OH 43906
* $ n/a 7 $ 895,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 6 $ 1,250,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 6 $ 830,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 6 $ 1,090,000
The Citizens National Bank
143 S MAIN ST P.O. BOX 230
WOODSFIELD, OH 43793
* $ n/a 6 $ 800,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 6 $ 410,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 6 $ 410,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 6 $ 930,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 6 $ 890,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 6 $ 650,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 425,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 5 $ 1,005,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 5 $ 1,045,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 435,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 5 $ 1,015,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 4 $ 600,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 4 $ 420,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 4 $ 210,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 390,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ n/a 4 $ 220,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ n/a 4 $ 870,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 490,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 3 $ 215,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 3 $ 605,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 3 $ 225,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 3 $ 1,355,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 3 $ 1,355,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 3 $ 455,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 3 $ 425,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 3 $ 265,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 645,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 3 $ 575,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 350,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ n/a 2 $ 310,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 280,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 2 $ 450,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 2 $ 670,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 2 $ 310,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 190,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 360,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 2 $ 200,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 2 $ 570,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 60,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 190,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 330,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 2 $ 300,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ n/a 2 $ 170,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 170,000
Telhio Credit Union, Inc.
96 N. 4TH STREET
COLUMBUS, OH 43215
* $ n/a 2 $ 70,000
Peoples State Bank
110 N MAIN ST. PO BOX 111
NEW LEXINGTON, OH 43764
* $ n/a 2 $ 1,110,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 110,000
First Federal Savings & Loan Association of Lorain
3721 OBERLIN AVE
LORAIN, OH 44053
* $ n/a 1 $ 125,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 1 $ 115,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ n/a 1 $ 125,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 275,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 335,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 45,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ n/a 1 $ 25,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ n/a 1 $ 225,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 195,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 225,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 215,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ n/a 1 $ 105,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ n/a 1 $ 35,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 25,000
Williamstown Bank Inc.
435 HIGHLAND AVE.,
WILLIAMSTOWN, WV 26187
* $ n/a 1 $ 175,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ n/a 1 $ 65,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 65,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 105,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 155,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 135,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 95,000
Boxcar Mortgage, LLC
664 SEMINOLE AVE NE #101
ATLANTA, GA 30307
* $ n/a 1 $ 125,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 1 $ 35,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ n/a 1 $ 35,000
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ n/a 1 $ 355,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 235,000
Chickasaw Community Bank
909 S MERIDIAN AVE
OKLAHOMA CITY, OK 73142
* $ n/a 1 $ 125,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 315,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 1 $ 195,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ n/a 1 $ 155,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 1 $ 185,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ n/a 1 $ 195,000
North Valley Bank
PO BOX 1115, 2775 MAYSVILLE PIKE
ZANESVILLE, OH 43701
* $ n/a 1 $ 305,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 1 $ 135,000
Ces CU
1215 YAUGER ROAD
MOUNT VERNON, OH 43050
* $ n/a 1 $ 345,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 95,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ n/a 1 $ 365,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 135,000
Seven Seventeen Credit Union
3181 LARCHMONT AVE.
WARREN, OH 44483
* $ n/a 1 $ 135,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 165,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 185,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 175,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 1 $ 95,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 165,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 45,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 1 $ 245,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 1 $ 305,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ n/a 1 $ 125,000
The Home Loan Savings Bank
590 WALNUT ST
COSHOCTON, OH 43812
* $ n/a 1 $ 75,000
Unified Bank
201 S 4TH STREET
MARTINS FERRY, OH 43935
* $ n/a 1 $ 25,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 105,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 1 $ 335,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 85,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 145,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 505,000
Bpl Mortgage, LLC

OAKBROOK TERRACE, IL 60181
* $ n/a 1 $ 55,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 165,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 255,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 225,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 125,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 135,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 1 $ 105,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 205,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 545,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 1 $ 165,000

The tables below break down 2025 mortgage applications in Guernsey 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 Guernsey County, OH in 2025

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 703 $130,575,000 $185,000 $1,905,000 $92,000 $2,699,000
Cash-out Refinancing 276 $42,980,000 $155,000 $1,005,000 $88,000 $480,000
Refinancing 190 $31,240,000 $164,000 $725,000 $83,000 $653,000
Home Improvement 169 $11,735,000 $69,000 $295,000 $78,000 $245,000
Other Purpose 154 $13,600,000 $88,000 $395,000 $96,000 $500,000
Not Applicable 4 $700,000 $175,000 $315,000 $44,000 $54,000

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 1,140 $168,620,000 $147,000 $1,905,000 $88,000 $2,699,000
Not applicable 183 $32,575,000 $178,000 $1,005,000 $89,000 $181,000
Not Provided 118 $20,720,000 $175,000 $505,000 $95,000 $480,000
Hispanic 25 $5,025,000 $201,000 $465,000 $105,000 $196,000
Black or African American 17 $1,785,000 $105,000 $235,000 $56,000 $119,000
American Indian or Alaskan Native 7 $1,285,000 $183,000 $305,000 $36,000 $78,000
Asian 6 $820,000 $136,000 $405,000 $74,000 $282,000
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) 992 $135,470,000 $136,000 $1,905,000 $91,000 $1,640,000
FHA-insured (Federal Housing Administration) 291 $51,175,000 $175,000 $505,000 $86,000 $2,699,000
VA-guaranteed (Veterans Administration) 147 $34,235,000 $232,000 $495,000 $82,000 $196,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 66 $9,950,000 $150,000 $305,000 $60,000 $113,000

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 767 $119,635,000 $155,000 $1,005,000 $94,000 $2,699,000
Application Denied By Financial Institution 256 $31,960,000 $124,000 $1,905,000 $81,000 $1,640,000
Loan Purchased By The Institution 178 $31,730,000 $178,000 $545,000 $72,000 $189,000
Application Withdrawn By Applicant 169 $28,055,000 $166,000 $545,000 $82,000 $480,000
File Closed For Incompleteness 85 $13,715,000 $161,000 $725,000 $78,000 $325,000
Application Approved But Not Accepted 41 $5,735,000 $139,000 $355,000 $102,000 $653,000
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
Not applicable 1,218 $194,540,000 $159,000 $1,005,000 $90,000 $2,699,000
Credit History 96 $10,590,000 $110,000 $465,000 $71,000 $245,000
Debt-To-Income Ratio 79 $11,495,000 $145,000 $505,000 $71,000 $480,000
Collateral 43 $7,115,000 $165,000 $1,905,000 $130,000 $1,640,000
Credit Application Incomplete 28 $3,070,000 $109,000 $395,000 $101,000 $475,000
Other 15 $1,895,000 $126,000 $265,000 $89,000 $264,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,240,000 $155,000 $305,000 $66,000 $103,000
Unverifiable Information 7 $645,000 $92,000 $145,000 $82,000 $156,000
Employment History 2 $240,000 $120,000 $165,000 $71,000 $76,000
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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