Henry County, IN Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,925 mortgage applications in Henry County, IN totaling $189.5 million, up 15% from 2011. The average application was for $98,000, and applicants reported an average income of $58,000. 48% of applications resulted in an originated loan and 24% were denied. The most active lender was Ameriana Bank, with 274 applications, followed by Wells Fargo Bank NA and Mainsource 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 1,925
Total Mortgage Loan Application Amount $189,492,000
Average Mortgage Loan Application Amount $98,000
Highest Mortgage Loan Application Amount $1,750,000
Average Applicant Income $58,000
Highest Applicant Income $770,000

Mortgage Company List for Lending in Henry County, IN for 2012

* 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
Ameriana Bank
2118 BUNDY AVE
NEW CASTLE, IN 47362
* $ 427,154,000 274 $ 23,326,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 154 $ 16,238,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 2,729,051,000 138 $ 11,027,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 1,622,469,000 119 $ 10,444,000
First Merchants Bank, NA
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 4,154,904,000 114 $ 15,396,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 108 $ 9,437,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ 259,311,000 79 $ 5,659,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 68 $ 6,530,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 54 $ 6,118,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 8,467,892,000 38 $ 3,276,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 34 $ 3,744,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 33 $ 2,552,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 28 $ 3,435,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 28 $ 2,402,000
CU Channels
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 505,929,000 27 $ 1,997,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 27 $ 2,222,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,218,607,000 22 $ 3,386,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 18 $ 1,724,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 18 $ 1,959,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 18 $ 1,668,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 17 $ 2,269,000
First Republic Mortgage
9120 OTIS AVE SUITE 201
INDIANAPOLIS, IN 46216
* $ 10,000,000 17 $ 1,651,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 16 $ 1,583,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 15 $ 81,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 15 $ 1,137,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 14 $ 1,244,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 14 $ 1,216,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 13 $ 1,526,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 13 $ 926,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 12 $ 1,144,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 11 $ 1,674,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 11 $ 1,315,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 10 $ 1,257,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DRIVE, STE 250
MILFORD, MI 48381
* $ 1,300,000,000 9 $ 606,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 9 $ 1,135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 8 $ 826,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 8 $ 904,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 8 $ 613,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 8 $ 1,164,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 8 $ 127,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 1,424,545,000 7 $ 704,000
First Bank Richmond, NA
P.O. BOX 937
RICHMOND, IN 47375
* $ 521,408,000 7 $ 1,146,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ 2,915,000 7 $ 894,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 7 $ 793,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 7 $ 486,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 11,000,000 7 $ 922,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 6 $ 764,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 6 $ 351,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 906,966,000 6 $ 268,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 6 $ 822,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 5 $ 993,000
Greenfield Banking Company
1920 NORTH STATE STREET
GREENFIELD, IN 46140
* $ 397,528,000 5 $ 517,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,264,044,000 5 $ 380,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 461,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 4 $ 444,000
Network Funding, L.P.
9700 RICHMOND, SUITE 320
HOUSTON, TX 77042
* $ 43,942,000 4 $ 752,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 451,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 4 $ 472,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 4 $ 282,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 912,462,000 4 $ 445,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 1,028,000 4 $ 448,000
Primetrust Financial Federal C
3700 W BETHEL AVE
MUNCIE, IN 47304
* $ 138,411,000 4 $ 378,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 4 $ 340,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 466,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ 133,851,000 3 $ 343,000
Union Savings and Loan Association
730 CENTRAL AVE P O BOX 366
CONNERSVILLE, IN 47331
* $ 128,311,000 3 $ 301,000
Madison County Federal Credit
621 E. 8TH ST.
ANDERSON, IN 46012
* $ 63,072,000 3 $ 201,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ 1,330,589,000 3 $ 194,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 3 $ 236,000
The Bath State Bank
3095 BATH ROAD
BATH, IN 47010
* $ 143,528,000 3 $ 595,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 3 $ 243,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 3 $ 468,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 3 $ 351,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 317,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 3 $ 402,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 345,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 3 $ 780,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 274,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 2 $ 236,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 266,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 395,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 2 $ 148,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 2 $ 183,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 2 $ 221,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 261,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 204,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 389,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 210,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 295,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 2 $ 188,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 699,615,000 2 $ 224,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 968,214,000 2 $ 235,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 157,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 2 $ 293,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 465,480,000 2 $ 4,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 348,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 253,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 215,000
Somerville National Bank, the
197 NORTH SOUTH MAIN STREET
SOMERVILLE, OH 45064
* $ 161,992,000 2 $ 374,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 322,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 53,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 1 $ 157,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 76,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 1 $ 149,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 123,000
Merchants Capital Corp.
11555 NORTH MERIDIAN STREET, SUITE 400
CARMEL, IN 46032
* $ 35,564,000 1 $ 1,525,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 194,000
Our Community Bank
279 E MORGAN STREET
SPENCER, IN 47460
* $ 76,659,000 1 $ 96,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 162,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 119,000
Lafayette Savings Bank, FSB
101 MAIN STREET, PO BOX 1628
LAFAYETTE, IN 47902
* $ 364,303,000 1 $ 58,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 111,000
American Bank of Huntsville
3301 MEMORIAL PKWY SW
HUNTSVILLE, AL 35801
* $ 173,615,000 1 $ 64,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 163,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 158,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 43,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 60,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 986,487,000 1 $ 87,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ 10,000,000 1 $ 157,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 157,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 87,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 1 $ 120,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 64,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ 125,755,000 1 $ 44,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,212,296,000 1 $ 112,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 1 $ 82,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 4,361,631,000 1 $ 55,000
Thrive
4501 S DELAWARE DRIVE
MUNCIE, IN 47302
* $ 44,004,000 1 $ 14,000
Tyndall Federal Credit Union
3109 MINNESOTA AVE
PANAMA CITY, FL 32405
* $ 1,074,816,000 1 $ 250,000
Ball State Federal Credit Union
2900 N OAKWOOD AVE
MUNCIE, IN 47304
* $ 88,391,000 1 $ 50,000
Dsld Mortgage LLC

BATON ROUGE, LA 70809
* $ 222,000 1 $ 113,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 115,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 145,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ 10,000,000 1 $ 59,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 397,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 165,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 237,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 216,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 130,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 98,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 97,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 57,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 95,000
Cmco Mortgage, LLC dba Home Le
7851 FREEWAY CIRCLE
MIDDLEBURG HEIGHTS, OH 44130
* $ 10,000,000 1 $ 130,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 1 $ 43,000
Great Western Financial Services, Inc.
5408 W PLANO PKWY
PLANO, TX 75093
* $ 10,000,000 1 $ 115,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ 10,000,000 1 $ 113,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 104,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 76,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 90,000

The tables below break down 2012 mortgage applications in Henry County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Henry County, IN in 2012

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 1,273 $132,867,000 $104,000 $1,750,000 $61,000 $704,000
Home Purchase 534 $52,387,000 $98,000 $728,000 $52,000 $770,000
Home Improvement 118 $4,238,000 $35,000 $405,000 $63,000 $612,000

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 1,655 $162,677,000 $98,000 $1,750,000 $62,000 $770,000
Not applicable 122 $14,093,000 $115,000 $1,525,000 $6,000 $79,000
Not Provided 116 $10,223,000 $88,000 $397,000 $56,000 $318,000
Hispanic 11 $757,000 $68,000 $150,000 $43,000 $87,000
Black or African American 9 $658,000 $73,000 $149,000 $24,000 $56,000
Asian 8 $764,000 $95,000 $280,000 $92,000 $471,000
American Indian or Alaskan Native 4 $320,000 $80,000 $93,000 $65,000 $81,000
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) 1,305 $125,874,000 $96,000 $1,750,000 $68,000 $770,000
FHA-insured (Federal Housing Administration) 373 $37,537,000 $100,000 $1,525,000 $39,000 $400,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 139 $12,294,000 $88,000 $326,000 $42,000 $704,000
VA-guaranteed (Veterans Administration) 108 $13,787,000 $127,000 $368,000 $33,000 $120,000

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 923 $94,774,000 $102,000 $1,750,000 $65,000 $770,000
Application Denied By Financial Institution 464 $38,690,000 $83,000 $500,000 $58,000 $612,000
Loan Purchased By The Institution 245 $25,698,000 $104,000 $304,000 $27,000 $166,000
Application Withdrawn By Applicant 160 $17,284,000 $108,000 $400,000 $59,000 $400,000
Application Approved But Not Accepted 81 $8,305,000 $102,000 $364,000 $74,000 $331,000
File Closed For Incompleteness 52 $4,741,000 $91,000 $182,000 $61,000 $277,000
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 124 $8,312,000 $67,000 $199,000 $57,000 $612,000
Collateral 104 $10,108,000 $97,000 $314,000 $63,000 $301,000
Debt-To-Income Ratio 68 $5,291,000 $77,000 $200,000 $41,000 $352,000
Credit Application Incomplete 48 $4,973,000 $103,000 $500,000 $83,000 $600,000
Other 22 $1,778,000 $80,000 $157,000 $90,000 $600,000
Unverifiable Information 10 $798,000 $79,000 $163,000 $81,000 $257,000
Employment History 4 $289,000 $72,000 $120,000 $44,000 $71,000
Insufficient Cash (Downpayment, Closing Cost) 4 $340,000 $85,000 $129,000 $61,000 $101,000
Mortgage Insurance Denied 2 $195,000 $97,000 $138,000 $25,000 $35,000

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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