Huron County, OH Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,706 mortgage applications in Huron County, OH totaling $255.2 million, up 11% from 2023. The average application was for $149,000, and applicants reported an average income of $82,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Union Home Mortgage Corp., with 117 applications, followed by Huntington National Bank and Civista 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 1,706
Total Mortgage Loan Application Amount $255,180,000
Average Mortgage Loan Application Amount $149,000
Highest Mortgage Loan Application Amount $7,535,000
Average Applicant Income $82,000
Highest Applicant Income $2,407,000

Mortgage Company List for Lending in Huron County, OH for 2024

* 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
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 117 $ 21,145,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 116 $ 11,060,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ n/a 90 $ 11,600,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ n/a 84 $ 8,650,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 76 $ 7,140,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 57 $ 6,975,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 51 $ 9,715,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 45 $ 3,195,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 45 $ 7,525,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 43 $ 8,655,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 41 $ 5,805,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 36 $ 7,380,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 35 $ 6,995,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 29 $ 4,695,000
Your Home Financial LLC
1015 VIRGINIA DRIVE, SUITE 210
FORT WASHINGTON, PA 19034
* $ n/a 28 $ 5,440,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 28 $ 3,040,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 27 $ 2,215,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 23 $ 2,585,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ n/a 20 $ 1,310,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 20 $ 1,430,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 19 $ 4,175,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 19 $ 3,365,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 17 $ 505,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 17 $ 2,365,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 16 $ 2,870,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 16 $ 2,160,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 14 $ 690,000
Croghan Colonial Bank
323 CROGHAN ST
FREMONT, OH 43420
* $ n/a 14 $ 3,290,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 13 $ 735,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ n/a 13 $ 2,955,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 13 $ 1,335,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 12 $ 2,290,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 11 $ 1,025,000
Mechanics Bank
2 SOUTH MAIN STREET
MANSFIELD, OH 44902
* $ n/a 11 $ 1,915,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 11 $ 665,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 10 $ 1,320,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 10 $ 1,990,000
Sutton Bank
1 SOUTH MAIN ST
ATTICA, OH 44807
* $ n/a 9 $ 1,725,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 9 $ 1,855,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 9 $ 1,315,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 1,405,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 9 $ 1,235,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ n/a 8 $ 730,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 8 $ 560,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 7 $ 1,765,000
Vacationland Federal Credit Union
2911 HAYES AVE
SANDUSKY, OH 44870
* $ n/a 7 $ 1,265,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 7 $ 1,795,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 6 $ 750,000
The Farmers Savings Bank
111 W MAIN ST PO BOX 38
SPENCER, OH 44275
* $ n/a 6 $ 960,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 6 $ 220,000
Union Capital Mortgage Corp
26021 CENTER RIDGE ROAD
WESTLAKE, OH 44145
* $ n/a 5 $ 985,000
First Federal Savings & Loan Association of Lorain
3721 OBERLIN AVE
LORAIN, OH 44053
* $ n/a 5 $ 1,295,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 385,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 5 $ 825,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 5 $ 265,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 4 $ 610,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 4 $ 580,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 780,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 4 $ 960,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 590,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 4 $ 280,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 4 $ 750,000
The Genoa Banking Company
801 MAIN STREET
GENOA, OH 43430
* $ n/a 4 $ 400,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 4 $ 780,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 4 $ 540,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 4 $ 410,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 4 $ 1,680,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 4 $ 720,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 4 $ 790,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ n/a 3 $ 465,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 3 $ 465,000
First Federal Community Bank
119 S SANDUSKY AVENUE
BUCYRUS, OH 44820
* $ n/a 3 $ 545,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ n/a 3 $ 205,000
Absolute Home Mortgage
330 PASSAIC AVENUE
FAIRFIELD, NJ 07004
* $ n/a 3 $ 445,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 515,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 3 $ 2,505,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 505,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 3 $ 215,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 3 $ 775,000
First National Bank
120 NORTH ST
BELLEVUE, OH 44811
* $ n/a 3 $ 465,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 3 $ 495,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 3 $ 615,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 855,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 305,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 3 $ 235,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 3 $ 735,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 3 $ 285,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 2 $ 350,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 370,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ n/a 2 $ 340,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 310,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 450,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 2 $ 500,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 2 $ 190,000
Luxury Mortgage Corp.
FOUR LANDMARK SQUARE SUITE 300
STAMFORD, CT 06901
* $ n/a 2 $ 620,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 310,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 2 $ 180,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 2 $ 250,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 60,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 500,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 240,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 830,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ n/a 2 $ 350,000
Main Street Bank Corp
151 N. MARKET ST.
WOOSTER, OH 44691
* $ n/a 2 $ 650,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 120,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 1 $ 95,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 95,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 135,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ n/a 1 $ 15,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ n/a 1 $ 235,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 75,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 275,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 95,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 285,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 195,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 345,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 245,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 145,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 265,000
Sun Federal Credit Union
1627 HOLLAND ROAD
MAUMEE, OH 43537
* $ n/a 1 $ 135,000
Merchants Capital Corp.
11555 NORTH MERIDIAN STREET, SUITE 400
CARMEL, IN 46032
* $ n/a 1 $ 7,535,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 45,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ n/a 1 $ 235,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 155,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 95,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 215,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 295,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 155,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 195,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 385,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 115,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 265,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ n/a 1 $ 135,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ n/a 1 $ 35,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 385,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 1 $ 105,000
Tlc Community Credit Union
3030 S ADRIAN HWY
ADRIAN, MI 49221
* $ n/a 1 $ 135,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 145,000
Bellwether Enterprise Real Estate Capital, LLC
1360 E. 9TH STREET SUITE 300
CLEVELAND, OH 44114
* $ n/a 1 $ 3,095,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ n/a 1 $ 15,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 215,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 75,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 355,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 35,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ n/a 1 $ 195,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 135,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 1 $ 295,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 185,000
Coast One Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ n/a 1 $ 125,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 105,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 95,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 1 $ 105,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 1 $ 175,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ n/a 1 $ 225,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 55,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ n/a 1 $ 215,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ n/a 1 $ 395,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 1 $ 145,000
Flexpoint, Inc.
27433 TOURNEY ROAD, SUITE 150
COSTA MESA, CA 92626
* $ n/a 1 $ 155,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 85,000
S&T Bank
800 PHILADELPHIA STREET PO BOX 190
INDIANA, PA 15701
* $ n/a 1 $ 155,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ n/a 1 $ 135,000

The tables below break down 2024 mortgage applications in Huron 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 Huron County, OH in 2024

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 850 $157,180,000 $184,000 $7,535,000 $79,000 $482,000
Cash-out Refinancing 260 $40,490,000 $155,000 $2,295,000 $80,000 $900,000
Other Purpose 221 $14,435,000 $65,000 $385,000 $91,000 $2,407,000
Home Improvement 190 $11,840,000 $62,000 $355,000 $90,000 $617,000
Refinancing 183 $28,045,000 $153,000 $785,000 $75,000 $538,000
Not Applicable 2 $3,190,000 $1,595,000 $3,095,000 $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 1,319 $181,325,000 $137,000 $645,000 $81,000 $2,407,000
Not Provided 149 $20,675,000 $138,000 $665,000 $83,000 $444,000
Not applicable 143 $39,335,000 $275,000 $7,535,000 $65,000 $65,000
Hispanic 72 $10,250,000 $142,000 $435,000 $92,000 $316,000
Black or African American 13 $1,975,000 $151,000 $315,000 $77,000 $164,000
American Indian or Alaskan Native 5 $495,000 $99,000 $185,000 $54,000 $78,000
Asian 5 $1,125,000 $225,000 $345,000 $64,000 $108,000
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) 1,213 $162,215,000 $133,000 $7,535,000 $84,000 $2,407,000
FHA-insured (Federal Housing Administration) 300 $50,100,000 $167,000 $465,000 $72,000 $216,000
VA-guaranteed (Veterans Administration) 151 $36,435,000 $241,000 $575,000 $83,000 $175,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $6,430,000 $153,000 $255,000 $67,000 $136,000

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 960 $152,710,000 $159,000 $7,535,000 $84,000 $482,000
Application Denied By Financial Institution 305 $32,255,000 $105,000 $3,095,000 $77,000 $2,407,000
Application Withdrawn By Applicant 194 $32,430,000 $167,000 $2,295,000 $74,000 $316,000
Loan Purchased By The Institution 137 $25,045,000 $182,000 $665,000 $59,000 $95,000
File Closed For Incompleteness 71 $8,295,000 $116,000 $385,000 $111,000 $900,000
Application Approved But Not Accepted 36 $3,990,000 $110,000 $375,000 $80,000 $199,000
Preapproval Denied by Financial Institution 2 $280,000 $140,000 $175,000 $72,000 $89,000
Preapproval Approved but not Accepted 1 $175,000 $175,000 $175,000 $56,000 $56,000

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 1,359 $207,285,000 $152,000 $2,295,000 $83,000 $900,000
Debt-To-Income Ratio 106 $21,640,000 $204,000 $7,535,000 $61,000 $204,000
Credit History 99 $7,465,000 $75,000 $335,000 $71,000 $189,000
Collateral 55 $4,975,000 $90,000 $235,000 $81,000 $408,000
Credit Application Incomplete 41 $4,655,000 $113,000 $385,000 $128,000 $2,407,000
Other 27 $6,635,000 $245,000 $3,095,000 $87,000 $183,000
Unverifiable Information 11 $1,285,000 $116,000 $255,000 $60,000 $91,000
Insufficient Cash (Downpayment, Closing Cost) 5 $815,000 $163,000 $325,000 $90,000 $127,000
Employment History 3 $425,000 $141,000 $185,000 $39,000 $64,000
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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