Huntington County, IN Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,670 mortgage applications in Huntington County, IN totaling $214.0 million, down 25% from 2021. The average application was for $128,000, and applicants reported an average income of $72,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was First Federal Savings Bank, with 155 applications, followed by Ruoff Mortgage Company and PNC 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 1,670
Total Mortgage Loan Application Amount $213,990,000
Average Mortgage Loan Application Amount $128,000
Highest Mortgage Loan Application Amount $1,305,000
Average Applicant Income $72,000
Highest Applicant Income $555,000

Mortgage Company List for Lending in Huntington County, IN 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
First Federal Savings Bank
648 NORTH JEFFERSON STREET
HUNTINGTON, IN 46750
* $ 417,595,000 155 $ 19,115,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 148 $ 21,460,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 89 $ 8,545,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 4,499,550,000 82 $ 9,110,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 1,921,674,000 76 $ 11,350,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 15,432,095,000 71 $ 7,055,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 69 $ 6,405,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 8,096,004,000 58 $ 2,960,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 799,143,000 46 $ 4,860,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 41 $ 3,575,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 30 $ 4,640,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 22 $ 3,070,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 22 $ 3,370,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 20 $ 2,700,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ 6,541,677,000 18 $ 1,040,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 18 $ 3,750,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 18 $ 1,260,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 17 $ 2,315,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 17 $ 2,045,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 17 $ 2,065,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,514,736,000 16 $ 2,520,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 15 $ 2,055,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 15 $ 2,355,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 15 $ 2,575,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 3,092,880,000 15 $ 2,165,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 15 $ 2,205,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 2,425,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 13 $ 1,295,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 13 $ 1,785,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 13 $ 1,235,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 515,326,000 13 $ 1,915,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ 641,649,000 13 $ 1,325,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 12 $ 330,000
Crossroads Bank
1205 N CASS ST PO BOX 259
WABASH, IN 46992
* $ 524,027,000 12 $ 1,800,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,090,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 2,429,620,000 10 $ 2,040,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 1,340,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 9 $ 2,025,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 9 $ 1,145,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,445,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,345,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 8 $ 1,300,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,310,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 8 $ 920,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 8 $ 1,400,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ 324,521,000 8 $ 670,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 8 $ 1,160,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 7 $ 925,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 7 $ 1,245,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,095,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 725,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 7 $ 1,425,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 6 $ 200,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 6 $ 2,170,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 540,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 6 $ 880,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 1,235,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 5 $ 805,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 415,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 5 $ 495,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 5 $ 785,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 4 $ 990,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 670,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 4 $ 390,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 4 $ 500,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 7,338,072,000 4 $ 480,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 1,000,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 670,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 470,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 4 $ 550,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 4 $ 390,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 4 $ 540,000
Garrett State Bank
120 WEST KING STREET, P.O. BOX 29
GARRETT, IN 46738
* $ 315,427,000 4 $ 590,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 575,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 3 $ 235,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ -1,000 3 $ 255,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 255,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 3 $ 315,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 365,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 3 $ 485,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 3 $ 365,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 805,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 545,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 195,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 275,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 375,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 3 $ 115,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 350,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 2 $ 260,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 240,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 8,802,432,000 2 $ 50,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,321,090,000 2 $ 580,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 2 $ 190,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 190,000
Nrl Federal Credit Union
5440 CHEROKEE AVE SUITE 200
ALEXANDRIA, VA 22312
* $ 562,307,000 2 $ 90,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 2 $ 1,040,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 3,863,597,000 2 $ 120,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,880,387,000 2 $ 400,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 2 $ 190,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,606,175,000 2 $ 100,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 2 $ 240,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 310,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 205,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 105,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 2,625,847,000 1 $ 35,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 85,000
Hoosier Hills Credit Union
630 LINCOLN AVE
BEDFORD, IN 47421
* $ 808,987,000 1 $ 125,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,281,203,000 1 $ 125,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 115,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 1 $ 25,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 255,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 1 $ 185,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 45,000
Auto Club Trust, FSB
1 AUTOCLUB DRIVE
DEARBORN, MI 48126
* $ 579,580,000 1 $ 55,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 2,311,081,000 1 $ 125,000
Fire Police City County Federa
3306 N. CLINTON STREET
FORT WAYNE, IN 46805
* $ 166,172,000 1 $ 155,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ -1,000 1 $ 275,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 135,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 35,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 105,000
Interra Credit Union
300 W LINCOLN AVE
GOSHEN, IN 46527
* $ 1,621,144,000 1 $ 105,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 145,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 305,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ 2,987,938,000 1 $ 145,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 1,083,278,000 1 $ 205,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 522,853,000 1 $ 45,000
Arbor Realty Trust, Inc.
333 EARLE OVINGTON BLVD., SUITE 900
UNIONDALE, NY 11553
* $ -1,000 1 $ 1,305,000
Farmers and Merchants Bank
6464 MERCHANTS DR
LAOTTO, IN 46763
* $ 224,415,000 1 $ 295,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 115,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 983,927,000 1 $ 215,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 55,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 115,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 2,608,177,000 1 $ 65,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 215,000
Independent Federal Credit Uni
3737 S SCATTERFIELD RD
ANDERSON, IN 46013
* $ 91,515,000 1 $ 135,000
Amres Corporation
1 NESHAMINY INTERPLEX, SUITE 310
TREVOSE, PA 19053
* $ -1,000 1 $ 145,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 125,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 95,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 185,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 1 $ 195,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 155,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 10,994,199,000 1 $ 1,005,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 262,366,000 1 $ 625,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 165,000
First Bank Richmond
20 N 9TH ST
RICHMOND, IN 47375
* $ 1,264,471,000 1 $ 175,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 165,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 1 $ 295,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 15,151,012,000 1 $ 25,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 1 $ 65,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 65,000

The tables below break down 2022 mortgage applications in Huntington 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 Huntington County, IN 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 733 $115,365,000 $157,000 $845,000 $70,000 $531,000
Cash-out Refinancing 387 $50,835,000 $131,000 $1,305,000 $74,000 $555,000
Refinancing 251 $29,575,000 $117,000 $805,000 $68,000 $329,000
Other Purpose 165 $11,045,000 $66,000 $325,000 $76,000 $308,000
Home Improvement 119 $6,475,000 $54,000 $205,000 $74,000 $251,000
Not Applicable 15 $695,000 $46,000 $145,000 $0 $0

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 1,354 $168,350,000 $124,000 $1,005,000 $72,000 $555,000
Not Provided 138 $19,050,000 $138,000 $505,000 $70,000 $329,000
Not applicable 116 $18,840,000 $162,000 $1,305,000 $77,000 $99,000
Hispanic 28 $2,910,000 $103,000 $325,000 $61,000 $125,000
Asian 10 $1,780,000 $178,000 $475,000 $89,000 $197,000
Black or African American 10 $1,190,000 $119,000 $385,000 $94,000 $216,000
American Indian or Alaskan Native 9 $1,465,000 $162,000 $255,000 $70,000 $133,000
Native Hawaiian or Other Pacific Islander 2 $290,000 $145,000 $255,000 $85,000 $115,000

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) 1,267 $153,865,000 $121,000 $1,305,000 $75,000 $555,000
FHA-insured (Federal Housing Administration) 233 $31,845,000 $136,000 $355,000 $58,000 $193,000
VA-guaranteed (Veterans Administration) 108 $21,020,000 $194,000 $615,000 $73,000 $256,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 62 $7,260,000 $117,000 $225,000 $48,000 $85,000

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 1,000 $129,190,000 $129,000 $1,305,000 $75,000 $555,000
Application Denied By Financial Institution 234 $24,540,000 $104,000 $605,000 $60,000 $429,000
Application Withdrawn By Applicant 197 $27,715,000 $140,000 $645,000 $72,000 $360,000
Loan Purchased By The Institution 115 $15,955,000 $138,000 $545,000 $84,000 $205,000
Application Approved But Not Accepted 73 $10,915,000 $149,000 $465,000 $68,000 $202,000
File Closed For Incompleteness 50 $5,580,000 $111,000 $285,000 $67,000 $164,000
Preapproval Approved but not Accepted 1 $95,000 $95,000 $95,000 $65,000 $65,000
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
Not applicable 1,429 $188,775,000 $132,000 $1,305,000 $73,000 $555,000
Credit History 95 $7,445,000 $78,000 $295,000 $57,000 $171,000
Collateral 47 $4,875,000 $103,000 $285,000 $70,000 $158,000
Debt-To-Income Ratio 43 $5,305,000 $123,000 $605,000 $68,000 $407,000
Credit Application Incomplete 26 $3,930,000 $151,000 $395,000 $63,000 $135,000
Other 21 $2,405,000 $114,000 $545,000 $68,000 $429,000
Insufficient Cash (Downpayment, Closing Cost) 5 $825,000 $165,000 $315,000 $92,000 $193,000
Unverifiable Information 2 $330,000 $165,000 $245,000 $56,000 $63,000
Employment History 2 $100,000 $50,000 $65,000 $0 $0
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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