Iosco County, MI Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 938 mortgage applications in Iosco County, MI totaling $87.0 million, down 11% from 2012. The average application was for $92,000, and applicants reported an average income of $73,000. 55% of applications resulted in an originated loan and 17% were denied. The most active lender was Chemical Bank, with 84 applications, followed by PNC Bank N.A. and JPMorgan Chase Bank, NA.
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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 | 938 |
| Total Mortgage Loan Application Amount | $86,955,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $604,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $1,903,000 |
* 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 |
|---|---|---|---|---|
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,904,498,000 | 84 | $ 5,079,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 82 | $ 6,817,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 63 | $ 5,929,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 58 | $ 4,364,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 51 | $ 4,623,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 43 | $ 3,473,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,021,254,000 | 32 | $ 2,660,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 28 | $ 2,806,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 28 | $ 3,111,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 22 | $ 2,195,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 21 | $ 1,697,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,901,417,000 | 19 | $ 1,858,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 18 | $ 1,786,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 17 | $ 1,835,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 12 | $ 892,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 12 | $ 1,323,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 677,491,000 | 10 | $ 1,255,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 9 | $ 727,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 864,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 8 | $ 1,136,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 7 | $ 761,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 7 | $ 958,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 7 | $ 618,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 7 | $ 720,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 388,525,000 | 7 | $ 696,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 6 | $ 527,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 6 | $ 744,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,590,320,000 | 6 | $ 442,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 5 | $ 285,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 312,631,000 | 5 | $ 184,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 5 | $ 584,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 5 | $ 442,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 5 | $ 976,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 5 | $ 514,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 261,846,000 | 5 | $ 1,086,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 3,364,336,000 | 5 | $ 417,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 640,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 407,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 655,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,482,505,000 | 4 | $ 196,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 4 | $ 549,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 418,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 184,413,000 | 4 | $ 375,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 4 | $ 252,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 4 | $ 573,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 3 | $ 281,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 3 | $ 278,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 424,657,000 | 3 | $ 336,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,731,663,000 | 3 | $ 246,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 219,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 3 | $ 242,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 3 | $ 230,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 296,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 3 | $ 428,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 189,072,000 | 3 | $ 122,000 |
| Sunrise Family Credit Union 404 SOUTH EUCLID AVENUE BAY CITY, MI 48706 |
* | $ 93,516,000 | 3 | $ 148,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,344,663,000 | 3 | $ 281,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 180,163,000 | 2 | $ 205,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 308,174,000 | 2 | $ 181,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 2 | $ 217,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 355,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 221,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 269,002,000 | 2 | $ 151,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 245,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 267,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 155,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 366,440,000 | 2 | $ 93,000 |
| First Choice Loan Services Inc. ONE TOWER CENTER, FLOOR #18 EAST BRUNSWICK, NJ 08816 |
* | $ 669,000,000 | 2 | $ 284,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 161,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 2 | $ 82,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 247,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 2 | $ 96,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 284,479,000 | 2 | $ 264,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 150,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 227,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 176,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 170,002,000 | 2 | $ 271,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 2 | $ 210,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 2 | $ 268,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 65,252,151,000 | 2 | $ 274,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 2 | $ 118,000 |
| Csb Mortgage Company Inc PO BOX 98 CORTLAND, OH 44410 |
* | $ 578,724,000 | 1 | $ 147,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 59,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 14,025,614,000 | 1 | $ 140,000 |
| Garrett State Bank 120 WEST KING STREET, P.O. BOX 29 GARRETT, IN 46738 |
* | $ 194,198,000 | 1 | $ 138,000 |
| Eastern Michigan Bank 65 N HOWARD AVE CROSWELL, MI 48422 |
* | $ 270,472,000 | 1 | $ 27,000 |
| Zeal Credit Union 17250 NEWBURGH LIVONIA, MI 48152 |
* | $ 401,051,000 | 1 | $ 28,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 285,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 3,766,460,000 | 1 | $ 100,000 |
| Pfcu 9077 CHARLOTTE HWY PORTLAND, MI 48875 |
* | $ 239,575,000 | 1 | $ 31,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,524,004,000 | 1 | $ 116,000 |
| Mason State Bank 322 S. JEFFERSON STREET, P.O. BOX 130 MASON, MI 48854 |
* | $ 127,600,000 | 1 | $ 108,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 100,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ 264,281,000 | 1 | $ 25,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ 177,607,000 | 1 | $ 81,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,312,554,000 | 1 | $ 75,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 43,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 136,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 196,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 219,000 |
| Seaway Community Bank 1960 FRED MOORE HWY ST. CLAIR, MI 48079 |
* | $ 180,627,000 | 1 | $ 79,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 179,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 147,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 61,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 33,878,000 | 1 | $ 140,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 105,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 155,781,000 | 1 | $ 22,000 |
| Copoco Community Credit Union 4265 E WILDER RD BAY CITY, MI 48706 |
* | $ 98,237,000 | 1 | $ 16,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 651,562,000 | 1 | $ 100,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 315,751,000 | 1 | $ 175,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 90,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 50,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 38,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,678,270,000 | 1 | $ 47,000 |
| The Shelby State Bank 242 N MICHIGAN AVE SHELBY, MI 49455 |
* | $ 222,753,000 | 1 | $ 51,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 543,088,000 | 1 | $ 19,000 |
The tables below break down 2013 mortgage applications in Iosco County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Iosco County, MI in 2013
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 | 611 | $60,212,000 | $98,000 | $500,000 | $72,000 | $1,903,000 |
| Home Purchase | 263 | $24,943,000 | $94,000 | $604,000 | $80,000 | $531,000 |
| Home Improvement | 64 | $1,800,000 | $28,000 | $150,000 | $51,000 | $156,000 |
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 | 756 | $68,945,000 | $91,000 | $604,000 | $73,000 | $1,903,000 |
| Not Provided | 87 | $9,058,000 | $104,000 | $500,000 | $90,000 | $546,000 |
| Not applicable | 77 | $7,156,000 | $92,000 | $488,000 | $43,000 | $194,000 |
| Hispanic | 9 | $916,000 | $101,000 | $165,000 | $106,000 | $374,000 |
| American Indian or Alaskan Native | 4 | $522,000 | $130,000 | $186,000 | $66,000 | $81,000 |
| Asian | 3 | $157,000 | $52,000 | $54,000 | $21,000 | $21,000 |
| Black or African American | 1 | $73,000 | $73,000 | $73,000 | $210,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $128,000 | $128,000 | $128,000 | $96,000 | $96,000 |
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) | 761 | $70,173,000 | $92,000 | $604,000 | $82,000 | $1,903,000 |
| FHA-insured (Federal Housing Administration) | 86 | $8,113,000 | $94,000 | $252,000 | $32,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 51 | $5,831,000 | $114,000 | $380,000 | $39,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 40 | $2,838,000 | $70,000 | $106,000 | $34,000 | $60,000 |
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 | 514 | $48,124,000 | $93,000 | $604,000 | $79,000 | $546,000 |
| Application Denied By Financial Institution | 160 | $13,606,000 | $85,000 | $392,000 | $73,000 | $1,903,000 |
| Loan Purchased By The Institution | 122 | $11,162,000 | $91,000 | $253,000 | $44,000 | $374,000 |
| Application Withdrawn By Applicant | 69 | $6,818,000 | $98,000 | $243,000 | $63,000 | $300,000 |
| Application Approved But Not Accepted | 37 | $3,776,000 | $102,000 | $290,000 | $97,000 | $361,000 |
| File Closed For Incompleteness | 36 | $3,469,000 | $96,000 | $279,000 | $69,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 41 | $3,418,000 | $83,000 | $225,000 | $96,000 | $853,000 |
| Credit History | 23 | $2,216,000 | $96,000 | $392,000 | $39,000 | $83,000 |
| Credit Application Incomplete | 17 | $1,477,000 | $86,000 | $192,000 | $71,000 | $170,000 |
| Debt-To-Income Ratio | 13 | $1,328,000 | $102,000 | $375,000 | $51,000 | $103,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,264,000 | $97,000 | $233,000 | $65,000 | $146,000 |
| Other | 10 | $712,000 | $71,000 | $136,000 | $77,000 | $318,000 |
| Unverifiable Information | 3 | $169,000 | $56,000 | $104,000 | $690,000 | $1,903,000 |
| Employment History | 2 | $211,000 | $105,000 | $136,000 | $29,000 | $32,000 |
| 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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