Harrison County, WV Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 2,192 mortgage applications in Harrison County, WV totaling $302.5 million, up 11% from 2014. The average application was for $137,000, and applicants reported an average income of $69,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Wesbanco Bank, Inc., with 277 applications, followed by Huntington National Bank and Truist 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 | 2,192 |
| Total Mortgage Loan Application Amount | $302,474,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $8,432,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,111,000 |
* 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 |
|---|---|---|---|---|
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,279,214,000 | 277 | $ 47,091,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 237 | $ 25,060,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 202 | $ 26,010,000 |
| Potomac Mortgage Group, Inc. 4035 RIDGE TOP ROAD, SUITE 100 FAIRFAX, VA 22030 |
* | $ 15,000,000 | 151 | $ 24,476,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,445,809,000 | 112 | $ 15,343,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 110 | $ 18,944,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 87 | $ 11,081,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 72 | $ 5,789,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 66 | $ 8,687,000 |
| Fairmont Federal Credit Union PO BOX 2139 FAIRMONT, WV 26554 |
* | $ 304,254,000 | 61 | $ 7,110,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 627,629,000 | 44 | $ 2,043,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 41 | $ 5,017,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 36 | $ 5,630,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 31 | $ 1,969,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 1,106,316,000 | 25 | $ 8,119,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 25 | $ 3,199,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 23 | $ 1,824,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 5,424,901,000 | 22 | $ 2,943,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 873,908,000 | 21 | $ 2,186,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 21 | $ 2,793,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 19 | $ 2,764,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 16 | $ 2,217,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 14 | $ 2,216,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 14 | $ 2,164,000 |
| First Exchange Bank 11 W MAIN ST. WHITE HALL, WV 26554 |
* | $ 206,428,000 | 14 | $ 2,685,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 13 | $ 2,152,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 13 | $ 2,083,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 12 | $ 478,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,584,917,000 | 12 | $ 2,396,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 11 | $ 1,654,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,037,000 |
| First Federal Savings and Loan 25 E HIGH ST WAYNESBURG, PA 15370 |
* | $ 900,742,000 | 9 | $ 1,571,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 1,160,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 9 | $ 630,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 9 | $ 1,491,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 8 | $ 1,223,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 8 | $ 1,300,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 421,350,000 | 8 | $ 1,632,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 842,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 6 | $ 641,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 6 | $ 356,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 5 | $ 871,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 5 | $ 869,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 4 | $ 561,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 4 | $ 631,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 4 | $ 730,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 4 | $ 647,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ 608,779,509,000 | 4 | $ 988,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 4 | $ 711,000 |
| Firstenergy Choice Federal Cre 161 OLD ROUTE 30, SUITE 2 GREENSBURG, PA 15601 |
* | $ 54,997,000 | 4 | $ 198,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 245,515,000 | 3 | $ 400,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 470,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 753,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 202,275,000 | 3 | $ 149,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 636,758,000 | 3 | $ 556,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 3 | $ 242,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 3 | $ 456,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 3 | $ 215,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 3 | $ 205,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 630,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 175,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 272,000 |
| First United Bank & Trust 19 S SECOND STREET OAKLAND, MD 21550 |
* | $ 1,324,319,000 | 2 | $ 651,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ 31,000,000 | 2 | $ 484,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 220,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 490,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 2 | $ 223,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 915,717,000 | 2 | $ 512,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 420,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 293,000 |
| The United Federal Credit Union 3 SUNSET BEACH ROAD MORGANTOWN, WV 26508 |
* | $ 73,480,000 | 2 | $ 221,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 2 | $ 343,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,424,729,000 | 2 | $ 410,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 285,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 2 | $ 271,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 6,337,630,000 | 2 | $ 194,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 282,000 |
| Midcountry Bank 7825 WASHINGTON AVE. S., STE. 120 BLOOMINGTON, MN 55439 |
* | $ 702,990,000 | 1 | $ 67,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 463,562,000 | 1 | $ 421,000 |
| Trumark Financial Credit Union 335 COMMERCE DRIVE FORT WASHINGTON, PA 19034 |
* | $ 1,587,409,000 | 1 | $ 50,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 182,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 328,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 267,494,000 | 1 | $ 474,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 612,661,000 | 1 | $ 186,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,052,329,000 | 1 | $ 122,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 421,354,000 | 1 | $ 177,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 173,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 197,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 46,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 164,706,000 | 1 | $ 199,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 367,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 103,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Chessie Federal Credit Union 15 COMMERCE DRIVE CUMBERLAND, MD 21502 |
* | $ 243,209,000 | 1 | $ 44,000 |
| Nasa Federal Credit Union 500 PRINCE GEORGE'S BLVD. UPPER MARLBORO, MD 20774 |
* | $ 1,487,121,000 | 1 | $ 325,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 1 | $ 290,000 |
| First County Bank 14-22 E HANOVER NEW BADEN, IL 62265 |
* | $ 410,851,000 | 1 | $ 267,000 |
| The Grant County Bank P. O. BOX 929 PETERSBURG, WV 26847 |
* | $ 238,411,000 | 1 | $ 178,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 373,064,000 | 1 | $ 277,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 58,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 182,520,000 | 1 | $ 328,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 111,278,000,000 | 1 | $ 190,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 242,000 |
| Firefly 1400 RIVERWOOD DR BURNSVILLE, MN 55337 |
* | $ 981,433,000 | 1 | $ 15,000 |
| First Niagara Bank 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 38,494,804,000 | 1 | $ 195,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 80,472,892,000 | 1 | $ 43,000 |
| Rbc Bank (Georgia), N.A. 8081 ARCO CORPORATE DRIVE RALEIGH, NC 27617 |
* | $ 3,067,332,000 | 1 | $ 210,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 727,505,000 | 1 | $ 400,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 131,437,000 | 1 | $ 23,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 668,685,000 | 1 | $ 115,000 |
| Progressive Bank, National Association 1701 WARWOOD AVENUE, PO BOX 4075 WHEELING, WV 26003 |
* | $ 332,226,000 | 1 | $ 41,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,833,727,000 | 1 | $ 104,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 25,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 138,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 53,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 97,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 1 | $ 29,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 1 | $ 347,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 979,243,000 | 1 | $ 31,000 |
| Armed Forces Bank, N.A. 320 KANSAS AVENUE FORT LEAVENWORTH, KS 66027 |
* | $ 1,672,142,000 | 1 | $ 220,000 |
| First Guaranty Bank 400 EAST THOMAS STREET HAMMOND, LA 70401 |
* | $ 1,515,072,000 | 1 | $ 264,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 151,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Clay County Bank PO BOX 239 CLAY, WV 25125 |
* | $ 81,638,000 | 1 | $ 137,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 207,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 231,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 623,676,000 | 1 | $ 700,000 |
The tables below break down 2015 mortgage applications in Harrison County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Harrison County, WV 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,139 | $182,583,000 | $160,000 | $8,432,000 | $70,000 | $1,111,000 |
| Refinancing | 744 | $107,356,000 | $144,000 | $2,700,000 | $71,000 | $533,000 |
| Home Improvement | 309 | $12,535,000 | $40,000 | $450,000 | $60,000 | $479,000 |
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 | 1,752 | $224,490,000 | $128,000 | $1,114,000 | $76,000 | $770,000 |
| Not applicable | 226 | $54,627,000 | $241,000 | $8,432,000 | $8,000 | $204,000 |
| Not Provided | 157 | $17,940,000 | $114,000 | $390,000 | $74,000 | $479,000 |
| Black or African American | 23 | $2,467,000 | $107,000 | $322,000 | $52,000 | $128,000 |
| Hispanic | 23 | $1,643,000 | $71,000 | $196,000 | $63,000 | $156,000 |
| Asian | 5 | $811,000 | $162,000 | $360,000 | $271,000 | $1,111,000 |
| American Indian or Alaskan Native | 3 | $346,000 | $115,000 | $201,000 | $41,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $150,000 | $50,000 | $143,000 | $25,000 | $35,000 |
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) | 1,591 | $220,162,000 | $138,000 | $8,432,000 | $77,000 | $1,111,000 |
| FHA-insured (Federal Housing Administration) | 292 | $35,877,000 | $122,000 | $276,000 | $46,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 176 | $31,121,000 | $176,000 | $479,000 | $56,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 133 | $15,314,000 | $115,000 | $420,000 | $37,000 | $512,000 |
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 | 1,179 | $178,313,000 | $151,000 | $8,432,000 | $81,000 | $770,000 |
| Application Denied By Financial Institution | 476 | $43,018,000 | $90,000 | $1,114,000 | $57,000 | $540,000 |
| Loan Purchased By The Institution | 263 | $42,397,000 | $161,000 | $552,000 | $28,000 | $533,000 |
| Application Withdrawn By Applicant | 141 | $20,949,000 | $148,000 | $631,000 | $81,000 | $401,000 |
| File Closed For Incompleteness | 73 | $7,902,000 | $108,000 | $528,000 | $65,000 | $321,000 |
| Application Approved But Not Accepted | 60 | $9,895,000 | $164,000 | $1,300,000 | $93,000 | $1,111,000 |
| 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 | 131 | $8,010,000 | $61,000 | $322,000 | $56,000 | $325,000 |
| Collateral | 62 | $7,322,000 | $118,000 | $409,000 | $86,000 | $540,000 |
| Debt-To-Income Ratio | 54 | $6,920,000 | $128,000 | $1,114,000 | $50,000 | $392,000 |
| Credit Application Incomplete | 33 | $3,385,000 | $102,000 | $263,000 | $67,000 | $166,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,477,000 | $147,000 | $221,000 | $66,000 | $138,000 |
| Other | 10 | $1,060,000 | $106,000 | $196,000 | $53,000 | $144,000 |
| Employment History | 4 | $327,000 | $81,000 | $135,000 | $24,000 | $38,000 |
| Unverifiable Information | 2 | $143,000 | $71,000 | $96,000 | $60,000 | $89,000 |
| 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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