Harrison County, WV Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 2,302 mortgage applications in Harrison County, WV totaling $413.8 million, down 23% from 2021. The average application was for $179,000, and applicants reported an average income of $93,000. 51% of applications resulted in an originated loan and 18% were denied. The most active lender was Huntington National Bank, with 268 applications, followed by Wesbanco Bank, Inc. 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 2,302
Total Mortgage Loan Application Amount $413,770,000
Average Mortgage Loan Application Amount $179,000
Highest Mortgage Loan Application Amount $35,005,000
Average Applicant Income $93,000
Highest Applicant Income $3,259,000

Mortgage Company List for Lending in Harrison County, WV for 2022

* 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
* $ 173,414,362,000 268 $ 37,030,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 218 $ 36,990,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 156 $ 17,520,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 118 $ 13,480,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,955,821,000 118 $ 22,240,000
Fairmont Federal Credit Union
PO BOX 2139
FAIRMONT, WV 26554
* $ 489,904,000 95 $ 13,905,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 60 $ 10,600,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 56 $ 10,690,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 873,423,000 53 $ 11,215,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 48 $ 10,610,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 48 $ 8,710,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 43 $ 7,295,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 41 $ 7,275,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 40 $ 7,040,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 3,183,928,000 35 $ 5,495,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 34 $ 4,190,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 33 $ 2,105,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 29 $ 4,135,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 28 $ 6,240,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 27 $ 3,575,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 22 $ 4,670,000
First Exchange Bank
11 W MAIN ST.
WHITE HALL, WV 26554
* $ 330,471,000 22 $ 3,760,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 22 $ 4,430,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 22 $ 3,690,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 22 $ 4,350,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 2,225,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 936,708,000 19 $ 2,525,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 18 $ 4,520,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 17 $ 3,135,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 17 $ 4,255,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 16 $ 1,990,000
First Federal Savings and Loan
25 E HIGH ST
WAYNESBURG, PA 15370
* $ 1,042,107,000 15 $ 3,085,000
First Guaranty Bank
400 EAST THOMAS STREET
HAMMOND, LA 70401
* $ 2,874,343,000 15 $ 6,595,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 15 $ 1,475,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 13 $ 1,795,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 12 $ 1,640,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 12 $ 2,110,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 10 $ 2,290,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 9 $ 1,285,000
First United Bank & Trust
19 S SECOND STREET
OAKLAND, MD 21550
* $ 1,423,446,000 8 $ 2,070,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 8 $ 1,130,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 8 $ 1,150,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 805,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 1,165,000
Princeton Financial LLC
243 E MAIN ST
CARNEGIE, PA 15106
* $ -1,000 7 $ 2,075,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 1,205,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 1,215,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 970,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 500,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 6 $ 360,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,555,648,000 6 $ 470,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 6 $ 1,130,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 6 $ 1,510,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 6 $ 1,270,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 5 $ 975,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 5 $ 1,085,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 845,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 620,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 535,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 275,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 3 $ 375,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 355,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,606,175,000 3 $ 585,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 425,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,535,304,000 3 $ 395,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 955,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 655,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 3 $ 415,000
The Grant County Bank
P. O. BOX 929
PETERSBURG, WV 26847
* $ 319,158,000 3 $ 1,535,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 735,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 3 $ 395,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 470,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 2 $ 690,000
Chessie Federal Credit Union
15 COMMERCE DRIVE
CUMBERLAND, MD 21502
* $ 435,000,000 2 $ 70,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 2 $ 500,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 2 $ 610,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 2 $ 200,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 2 $ 550,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 2 $ 790,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 2 $ 370,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 2 $ 690,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 230,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 2 $ 180,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 2 $ 370,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 2 $ 580,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 290,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 2 $ 570,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 655,162,000 2 $ 480,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 710,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 690,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 280,000
Millennium Financial Group Inc dba Mlend
8803 BALTIMORE NATIONAL PIKE
MIDDLETOWN, MD 21769
* $ -1,000 2 $ 770,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 2 $ 360,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 380,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 2 $ 160,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 2 $ 420,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 2 $ 560,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 210,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 185,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 1 $ 215,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 135,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 1,677,912,000 1 $ 25,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 185,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 195,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 677,045,000 1 $ 245,000
Clay County Bank
PO BOX 239
CLAY, WV 25125
* $ 115,171,000 1 $ 105,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 115,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 215,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 245,000
Integrity Home Mortgage Corporation
122 PILOT CIRCLE
WINCHESTER, VA 22602
* $ -1,000 1 $ 145,000
Traditional Mortgage Acceptance Corporation
777 108TH AVE NE #1670
BELLEVUE, WA 98004
* $ -1,000 1 $ 215,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 165,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 1 $ 55,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 1 $ 105,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 265,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 75,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 435,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 335,000
Calhoun County Banks Inc
362 MAIN STREET
GRANTSVILLE, WV 26147
* $ 179,117,000 1 $ 195,000
Hughes Federal Credit Union
971 W WETMORE RD
TUCSON, AZ 85705
* $ 1,946,059,000 1 $ 35,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 1 $ 205,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 245,000
The United Federal Credit Union
3 SUNSET BEACH ROAD
MORGANTOWN, WV 26508
* $ 107,863,000 1 $ 205,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 395,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 4,778,940,000 1 $ 15,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 1 $ 205,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ -1,000 1 $ 305,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 125,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 165,000
Tower Federal Credit Union
7901 SANDY SPRING ROAD
LAUREL, MD 20707
* $ 4,068,592,000 1 $ 205,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 290,729,000 1 $ 305,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 55,000
Affinity Federal Credit Union
73 MOUNTAINVIEW BLVD.
BASKING RIDGE, NJ 07920
* $ 3,759,374,000 1 $ 55,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 155,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 39,076,186,000 1 $ 875,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 55,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,423,533,000 1 $ 215,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 1 $ 25,000
Bank of Clarke
2 E MAIN ST
BERRYVILLE, VA 22611
* $ 1,302,913,000 1 $ 35,000
Goldman Sachs Bank USA
200 WEST STREET
NEW YORK, NY 10282
* $ 434,075,000,000 1 $ 35,005,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 345,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 375,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 1 $ 1,325,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 115,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 345,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,191,780,000 1 $ 405,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 85,000

The tables below break down 2022 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 2022

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 1,313 $283,165,000 $215,000 $35,005,000 $87,000 $887,000
Cash-out Refinancing 345 $57,645,000 $167,000 $1,325,000 $83,000 $573,000
Refinancing 263 $41,145,000 $156,000 $725,000 $102,000 $1,080,000
Home Improvement 211 $16,325,000 $77,000 $655,000 $116,000 $1,035,000
Other Purpose 152 $14,170,000 $93,000 $875,000 $126,000 $3,259,000
Not Applicable 18 $1,320,000 $73,000 $115,000 $46,000 $82,000

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 1,784 $282,060,000 $158,000 $2,165,000 $93,000 $3,259,000
Not Provided 235 $39,785,000 $169,000 $555,000 $95,000 $1,080,000
Not applicable 190 $76,040,000 $400,000 $35,005,000 $91,000 $327,000
Black or African American 33 $4,685,000 $141,000 $555,000 $72,000 $141,000
Asian 19 $4,515,000 $237,000 $435,000 $133,000 $450,000
American Indian or Alaskan Native 18 $2,300,000 $127,000 $255,000 $75,000 $215,000
Hispanic 18 $3,320,000 $184,000 $645,000 $98,000 $420,000
Native Hawaiian or Other Pacific Islander 1 $185,000 $185,000 $185,000 $131,000 $131,000

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) 1,658 $303,210,000 $182,000 $35,005,000 $102,000 $3,259,000
FHA-insured (Federal Housing Administration) 349 $53,675,000 $153,000 $425,000 $67,000 $250,000
VA-guaranteed (Veterans Administration) 222 $46,870,000 $211,000 $555,000 $80,000 $239,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 73 $10,015,000 $137,000 $285,000 $50,000 $91,000

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 1,183 $211,355,000 $178,000 $2,165,000 $100,000 $1,080,000
Application Denied By Financial Institution 423 $48,335,000 $114,000 $1,325,000 $82,000 $3,259,000
Application Withdrawn By Applicant 292 $86,960,000 $297,000 $35,005,000 $93,000 $1,035,000
Loan Purchased By The Institution 158 $30,850,000 $195,000 $875,000 $115,000 $408,000
File Closed For Incompleteness 140 $17,990,000 $128,000 $335,000 $70,000 $552,000
Application Approved But Not Accepted 73 $12,975,000 $177,000 $535,000 $105,000 $487,000
Preapproval Denied by Financial Institution 24 $3,930,000 $163,000 $295,000 $76,000 $200,000
Preapproval Approved but not Accepted 9 $1,375,000 $152,000 $285,000 $67,000 $88,000

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 1,813 $348,395,000 $192,000 $35,005,000 $96,000 $1,080,000
Credit History 163 $14,755,000 $90,000 $355,000 $105,000 $3,259,000
Debt-To-Income Ratio 140 $27,050,000 $193,000 $1,565,000 $74,000 $530,000
Collateral 88 $11,250,000 $127,000 $405,000 $78,000 $265,000
Credit Application Incomplete 42 $5,050,000 $120,000 $295,000 $73,000 $261,000
Unverifiable Information 18 $2,100,000 $116,000 $335,000 $78,000 $135,000
Insufficient Cash (Downpayment, Closing Cost) 17 $2,155,000 $126,000 $295,000 $61,000 $126,000
Other 14 $1,770,000 $126,000 $345,000 $66,000 $123,000
Employment History 5 $665,000 $133,000 $175,000 $40,000 $54,000
Mortgage Insurance Denied 2 $580,000 $290,000 $425,000 $166,000 $201,000

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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