Hardin County, OH Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 784 mortgage applications in Hardin County, OH totaling $76.8 million, up 24% from 2014. The average application was for $97,000, and applicants reported an average income of $59,000. 55% of applications resulted in an originated loan and 26% were denied. The most active lender was Huntington National Bank, with 106 applications, followed by Liberty National 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 | 784 |
| Total Mortgage Loan Application Amount | $76,774,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $1,933,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,503,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 106 | $ 7,109,000 |
| Liberty National Bank 100 EAST FRANKLIN STREET KENTON, OH 43326 |
* | $ 240,643,000 | 87 | $ 8,204,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 45 | $ 3,309,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 30 | $ 3,121,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 682,512,000 | 27 | $ 2,481,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 23 | $ 2,298,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 671,793,000 | 21 | $ 1,326,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 19 | $ 1,861,000 |
| Superior Federal Credit Union 4230 ELIDA RD LIMA, OH 45807 |
* | $ 491,985,000 | 15 | $ 1,637,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 14 | $ 1,092,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 14 | $ 1,721,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 13 | $ 1,246,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ 10,000,000 | 12 | $ 1,223,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 12 | $ 1,675,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 1,235,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 11 | $ 3,228,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 10 | $ 1,060,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 707,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 840,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 9 | $ 1,214,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 9 | $ 915,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 8 | $ 833,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 7 | $ 672,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 7 | $ 796,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 7 | $ 404,000 |
| The First Citizens National Bank of Upper Sandusky 100 N. SANDUSKY AVENUE UPPER SANDUSKY, OH 43351 |
* | $ 221,467,000 | 6 | $ 378,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 738,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 6 | $ 465,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 6 | $ 497,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 6 | $ 199,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 6 | $ 718,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 6 | $ 541,000 |
| First Federal Community Bank 119 S SANDUSKY AVENUE BUCYRUS, OH 44820 |
* | $ 132,578,000 | 6 | $ 499,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 6 | $ 593,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 901,540,000 | 5 | $ 274,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 5 | $ 329,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 553,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 711,000 |
| First National Bank of Pandora 102 E. MAIN ST PANDORA, OH 45877 |
* | $ 148,544,000 | 4 | $ 222,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 4 | $ 660,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 4 | $ 101,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 407,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ 29,436,748,000 | 4 | $ 464,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 4 | $ 719,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 4 | $ 345,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 685,686,000 | 4 | $ 468,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,163,319,000 | 3 | $ 359,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 7,197,993,000 | 3 | $ 204,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 195,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 3 | $ 407,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 3 | $ 209,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 3 | $ 263,000 |
| Western Ohio Mortgage Corporation 733 FAIR RD SIDNEY, OH 45365 |
* | $ 1,435,000 | 3 | $ 219,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 242,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,833,727,000 | 3 | $ 557,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 3 | $ 97,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 2 | $ 82,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,446,095,000 | 2 | $ 150,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 21,000 |
| Citizens Home Loans of America 7601 PARAGON RD., SUITE 202 DAYTON, OH 45459 |
* | $ 1,500,000 | 2 | $ 238,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 2 | $ 162,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 2 | $ 22,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 190,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 43,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 260,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 822,125,000 | 2 | $ 455,000 |
| Primary Capital 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 386,000 |
| The American Eagle Mortgage Co 6145 PARK SQUARE DRIVE SUITE 3 LORAIN, OH 44053 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 2 | $ 9,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,914,758,000 | 2 | $ 264,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 112,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,096,436,000 | 2 | $ 306,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 100,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 127,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 593,777,000 | 1 | $ 235,000 |
| The Genoa Banking Company 801 MAIN STREET GENOA, OH 43430 |
* | $ 285,644,000 | 1 | $ 233,000 |
| Bridge Credit Union 1980 W BROAD ST MAIL STOP #0000 COLUMBUS, OH 43223 |
* | $ 51,559,000 | 1 | $ 79,000 |
| Bmi Federal Credit Union 6165 EMERALD PARKWAY DUBLIN, OH 43016 |
* | $ 408,386,000 | 1 | $ 80,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 69,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 37,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 648,745,000 | 1 | $ 110,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 1,788,988,000 | 1 | $ 795,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 152,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 4,040,577,000 | 1 | $ 127,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 245,515,000 | 1 | $ 72,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 170,000 |
| James B. Nutter & Company 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 145,480,000 | 1 | $ 67,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 108,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 252,000 |
| Pulaski Bank, NA 12300 OLIVE BLVD ST LOUIS, MO 63141 |
* | $ 1,425,574,000 | 1 | $ 107,000 |
| Old Fort Banking Company 8034 MAIN STREET OLD FORT, OH 44861 |
* | $ 454,194,000 | 1 | $ 299,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 149,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,989,777,000 | 1 | $ 104,000 |
| Coastalstates Bank 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 389,720,000 | 1 | $ 84,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 848,339,000 | 1 | $ 60,000 |
| The Richwood Banking Company 28 N. FRANKLIN ST. RICHWOOD, OH 43344 |
* | $ 427,345,000 | 1 | $ 33,000 |
| Pillar Capital Finance, LLC 8245 BOONE BLVD STE 710 VIENNA, VA 22182 |
* | $ 18,442,801,000 | 1 | $ 1,933,000 |
| American Midwest Mortgage Corporation 6363 YORK ROAD PARMA HEIGHTS, OH 44130 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 102,000 |
| National Asset Mortgage, LLC 4350 ST. ANDREWS RD.; SUITE F COLUMBIA, SC 29210 |
* | $ 3,392,190,000 | 1 | $ 28,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 103,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 87,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 140,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 2,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 147,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 158,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 52,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 1 | $ 100,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 84,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 17,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 14,944,176,000 | 1 | $ 54,000 |
The tables below break down 2015 mortgage applications in Hardin 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 Hardin County, OH 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 | 384 | $39,362,000 | $102,000 | $1,933,000 | $65,000 | $1,503,000 |
| Home Purchase | 345 | $34,907,000 | $101,000 | $795,000 | $52,000 | $708,000 |
| Home Improvement | 55 | $2,505,000 | $45,000 | $227,000 | $64,000 | $146,000 |
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 | 660 | $60,685,000 | $91,000 | $336,000 | $61,000 | $708,000 |
| Not applicable | 62 | $8,843,000 | $142,000 | $1,933,000 | $9,000 | $71,000 |
| Not Provided | 49 | $5,781,000 | $117,000 | $1,282,000 | $87,000 | $1,503,000 |
| Black or African American | 6 | $511,000 | $85,000 | $186,000 | $65,000 | $113,000 |
| American Indian or Alaskan Native | 4 | $729,000 | $182,000 | $290,000 | $193,000 | $500,000 |
| Asian | 1 | $70,000 | $70,000 | $70,000 | $33,000 | $33,000 |
| Hispanic | 1 | $48,000 | $48,000 | $48,000 | $44,000 | $44,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $107,000 | $107,000 | $107,000 | $210,000 | $210,000 |
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) | 483 | $45,751,000 | $94,000 | $1,933,000 | $72,000 | $1,503,000 |
| FHA-insured (Federal Housing Administration) | 165 | $16,647,000 | $100,000 | $252,000 | $40,000 | $131,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $5,855,000 | $82,000 | $153,000 | $31,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 65 | $8,521,000 | $131,000 | $235,000 | $48,000 | $214,000 |
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 | 432 | $43,966,000 | $101,000 | $1,282,000 | $70,000 | $1,503,000 |
| Application Denied By Financial Institution | 204 | $16,742,000 | $82,000 | $299,000 | $50,000 | $250,000 |
| Loan Purchased By The Institution | 66 | $6,661,000 | $100,000 | $224,000 | $22,000 | $103,000 |
| Application Withdrawn By Applicant | 35 | $5,217,000 | $149,000 | $1,933,000 | $46,000 | $116,000 |
| File Closed For Incompleteness | 26 | $2,284,000 | $87,000 | $252,000 | $55,000 | $188,000 |
| Application Approved But Not Accepted | 21 | $1,904,000 | $90,000 | $168,000 | $69,000 | $138,000 |
| 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 | 66 | $3,522,000 | $53,000 | $222,000 | $45,000 | $155,000 |
| Collateral | 33 | $2,817,000 | $85,000 | $159,000 | $59,000 | $212,000 |
| Debt-To-Income Ratio | 23 | $2,076,000 | $90,000 | $250,000 | $39,000 | $129,000 |
| Credit Application Incomplete | 16 | $1,766,000 | $110,000 | $246,000 | $70,000 | $250,000 |
| Other | 7 | $400,000 | $57,000 | $144,000 | $81,000 | $200,000 |
| Unverifiable Information | 5 | $334,000 | $66,000 | $90,000 | $75,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $309,000 | $103,000 | $154,000 | $37,000 | $88,000 |
| Employment History | 2 | $136,000 | $68,000 | $76,000 | $34,000 | $40,000 |
| 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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