Highland County, OH Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,839 mortgage applications in Highland County, OH totaling $189.5 million, up 29% from 2011. The average application was for $103,000, and applicants reported an average income of $58,000. 51% of applications resulted in an originated loan and 25% were denied. The most active lender was Merchants National Bank, with 305 applications, followed by Fifth Third Mortgage Company and Fifth Third 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 | 1,839 |
| Total Mortgage Loan Application Amount | $189,461,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $912,000 |
* 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 |
|---|---|---|---|---|
| Merchants National Bank 100 NORTH HIGH STREET HILLSBORO, OH 45133 |
* | $ 570,492,000 | 305 | $ 33,425,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 230 | $ 23,878,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 176 | $ 13,115,000 |
| National Cooperative Bank N.A. 139 HIGH STREET HILLSBORO, OH 45133 |
* | $ 1,591,647,000 | 122 | $ 12,457,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 112 | $ 9,619,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 81 | $ 8,358,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 66 | $ 6,964,000 |
| The National Bank and Trust Co 48 N SOUTH STREET WILMINGTON, OH 45177 |
* | $ 675,540,000 | 51 | $ 5,555,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 41 | $ 3,870,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 31 | $ 4,833,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 29 | $ 3,024,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 29 | $ 3,322,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 28 | $ 1,422,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 24 | $ 2,091,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,663,427,000 | 24 | $ 2,506,000 |
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ 234,288,000 | 23 | $ 2,701,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,218,607,000 | 20 | $ 2,913,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 811,158,000 | 19 | $ 2,328,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 18 | $ 2,009,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 16 | $ 1,172,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 13 | $ 1,087,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 12 | $ 1,389,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 11 | $ 1,393,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 11 | $ 1,298,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 11 | $ 1,673,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 11 | $ 936,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 10 | $ 982,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 908,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 9 | $ 979,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 683,045,000 | 8 | $ 1,211,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 765,926,000 | 7 | $ 734,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 7 | $ 931,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 7 | $ 551,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 7 | $ 876,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 7 | $ 955,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 892,000 |
| Vinton County National Bank 112 W MAIN ST PO BOX 460 MCARTHUR, OH 45651 |
* | $ 726,083,000 | 6 | $ 556,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 6 | $ 546,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 6 | $ 819,000 |
| Homeland Credit Union 310 CALDWELL ST CHILLICOTHE, OH 45601 |
* | $ 332,420,000 | 6 | $ 523,000 |
| Ripley Federal Savings Bank 1006 S. SECOND ST, P.O. BOX 220 RIPLEY, OH 45167 |
* | $ 70,481,000 | 6 | $ 836,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 792,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 543,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 5 | $ 324,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 5 | $ 579,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 460,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 5 | $ 677,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 5 | $ 722,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 537,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 881,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 506,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 5 | $ 550,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 4 | $ 240,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 724,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 4 | $ 577,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 4 | $ 505,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 4 | $ 548,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 409,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,281,747,000 | 4 | $ 397,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 1,391,516,000 | 4 | $ 419,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,299,435,000 | 4 | $ 130,000 |
| The Savings Bank 118 N COURT ST CIRCLEVILLE, OH 43113 |
* | $ 279,179,000 | 3 | $ 158,000 |
| Universal 1 Credit Union Inc. P.O. BOX 467 DAYTON, OH 45409 |
* | $ 354,828,000 | 3 | $ 177,000 |
| Day Air Credit Union 3501 WILMINGTON PIKE KETTERING, OH 45429 |
* | $ 246,100,000 | 3 | $ 313,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 3 | $ 227,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 3 | $ 21,000 |
| Centerbank 744 STATE ROUTE 28 MILFORD, OH 45150 |
* | $ 104,868,000 | 3 | $ 262,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 440,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 489,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 3 | $ 307,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 322,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 296,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 249,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 2 | $ 372,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 2 | $ 266,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 249,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 2 | $ 102,000 |
| Lcnb National Bank 2 N BROADWAY LEBANON, OH 45036 |
* | $ 787,127,000 | 2 | $ 247,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 13,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 189,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 238,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 569,541,000 | 2 | $ 54,000 |
| Warsaw Federal Savings and Loan Association 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ 65,610,000 | 2 | $ 156,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 215,000 |
| State Highway Patrol FCU 1900 POLARIS PARKWAY, SUITE 400 COLUMBUS, OH 43240 |
* | $ 60,289,000 | 2 | $ 309,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 2 | $ 74,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 525,514,000 | 2 | $ 186,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 2 | $ 121,000 |
| First Financial Services, Inc. 6230 FAIRVIEW RD, 450 CHARLOTTE, NC 28210 |
* | $ 842,786,000 | 2 | $ 336,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 151,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 69,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 186,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 91,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 119,000 |
| Pathways Financial Credit Union 5665 N. HAMILTON RD COLUMBUS, OH 43230 |
* | $ 59,366,000 | 1 | $ 80,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,423,017,000 | 1 | $ 46,000 |
| Old Fort Banking Company 8034 MAIN STREET OLD FORT, OH 44861 |
* | $ 389,714,000 | 1 | $ 63,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 1 | $ 167,000 |
| First Safety Bank 4901 VINE STREET CINCINNATI, OH 45217 |
* | $ 55,434,000 | 1 | $ 135,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 50,000 |
| Sharefax Credit Union 1147 OLD STATE ROUTE 74 CINCINNATI, OH 45245 |
* | $ 277,863,000 | 1 | $ 15,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 1 | $ 34,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 247,163,000 | 1 | $ 157,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,625,405,000 | 1 | $ 14,000 |
| Firefighters & Company Federal Credit Union 338 S. PATTERSON BLVD. DAYTON, OH 45402 |
* | $ 43,068,000 | 1 | $ 44,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 99,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 168,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,033,894,000 | 1 | $ 194,000 |
| 1st National Bank 1160 E. MAIN STREET LEBANON, OH 45036 |
* | $ 112,359,000 | 1 | $ 127,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 109,000 |
| Community Savings Bank 503 WEST PLANE STREET BETHEL, OH 45106 |
* | $ 44,279,000 | 1 | $ 187,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 41,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 1 | $ 20,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,420,570,000 | 1 | $ 75,000 |
| Ing Bank, FSB / Capital One 11130 INDUSTRIPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 92,212,498,000 | 1 | $ 77,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 1 | $ 75,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 99,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 106,940,591,000 | 1 | $ 46,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 110,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 11,018,418,000 | 1 | $ 236,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 174,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 116,000 |
| Home Finance of America 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 |
* | $ 17,371,000 | 1 | $ 240,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 134,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Priority Mortgage Corp. 150 E WILSON BRIDGE RD STE 350 WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 147,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 218,000 |
The tables below break down 2012 mortgage applications in Highland 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 Highland County, OH 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 | 1,225 | $136,586,000 | $111,000 | $990,000 | $61,000 | $912,000 |
| Home Purchase | 547 | $50,029,000 | $91,000 | $840,000 | $50,000 | $545,000 |
| Home Improvement | 67 | $2,846,000 | $42,000 | $236,000 | $59,000 | $262,000 |
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 | 1,531 | $156,847,000 | $102,000 | $990,000 | $61,000 | $912,000 |
| Not Provided | 180 | $18,462,000 | $102,000 | $360,000 | $64,000 | $600,000 |
| Not applicable | 98 | $11,395,000 | $116,000 | $900,000 | $4,000 | $123,000 |
| Hispanic | 13 | $1,386,000 | $106,000 | $175,000 | $59,000 | $142,000 |
| Black or African American | 10 | $705,000 | $70,000 | $140,000 | $44,000 | $64,000 |
| American Indian or Alaskan Native | 4 | $470,000 | $117,000 | $214,000 | $56,000 | $146,000 |
| Asian | 3 | $196,000 | $65,000 | $116,000 | $39,000 | $76,000 |
| 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) | 1,366 | $140,872,000 | $103,000 | $990,000 | $65,000 | $912,000 |
| FHA-insured (Federal Housing Administration) | 308 | $30,786,000 | $99,000 | $292,000 | $35,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $8,191,000 | $87,000 | $178,000 | $36,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 71 | $9,612,000 | $135,000 | $257,000 | $40,000 | $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 | 944 | $99,319,000 | $105,000 | $990,000 | $63,000 | $912,000 |
| Application Denied By Financial Institution | 455 | $44,135,000 | $97,000 | $525,000 | $59,000 | $600,000 |
| Application Withdrawn By Applicant | 160 | $18,646,000 | $116,000 | $900,000 | $60,000 | $542,000 |
| Loan Purchased By The Institution | 157 | $15,185,000 | $96,000 | $240,000 | $23,000 | $123,000 |
| Application Approved But Not Accepted | 86 | $8,128,000 | $94,000 | $360,000 | $58,000 | $522,000 |
| File Closed For Incompleteness | 37 | $4,048,000 | $109,000 | $206,000 | $56,000 | $192,000 |
| 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 | 145 | $11,335,000 | $78,000 | $230,000 | $60,000 | $600,000 |
| Collateral | 114 | $12,736,000 | $111,000 | $525,000 | $73,000 | $433,000 |
| Debt-To-Income Ratio | 73 | $6,882,000 | $94,000 | $330,000 | $44,000 | $199,000 |
| Other | 34 | $3,630,000 | $106,000 | $330,000 | $61,000 | $202,000 |
| Credit Application Incomplete | 23 | $2,387,000 | $103,000 | $316,000 | $59,000 | $143,000 |
| Unverifiable Information | 9 | $701,000 | $77,000 | $158,000 | $49,000 | $88,000 |
| Employment History | 9 | $586,000 | $65,000 | $104,000 | $28,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $692,000 | $76,000 | $149,000 | $43,000 | $145,000 |
| 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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