Jefferson County, IN Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 2,068 mortgage applications in Jefferson County, IN totaling $225.4 million, up 22% from 2008. The average application was for $108,000, and applicants reported an average income of $61,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was River Valley Financial Bank, with 548 applications, followed by Mainsource Bank and Indiana Bank and Trust Company.
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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 | 2,068 |
| Total Mortgage Loan Application Amount | $225,350,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $1,436,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $700,000 |
* 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 |
|---|---|---|---|---|
| River Valley Financial Bank 430 CLIFTY DR MADISON, IN 47250 |
* | $ 371,749,000 | 548 | $ 61,284,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,483,611,000 | 478 | $ 47,962,000 |
| Indiana Bank and Trust Company PO BOX 648 COLUMBUS, IN 47274 |
* | $ 983,271,000 | 226 | $ 21,857,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 800,280,000 | 79 | $ 6,541,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 59 | $ 7,089,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 55 | $ 6,254,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 38 | $ 3,175,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 36 | $ 4,344,000 |
| Farmers Bank of Milton 41 FERRY ST. MILTON, KY 40045 |
* | $ 134,808,000 | 35 | $ 3,340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 27 | $ 3,040,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 24 | $ 2,932,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 22 | $ 2,674,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 22 | $ 2,517,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 21 | $ 2,254,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 19 | $ 1,090,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 18 | $ 2,784,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 2,789,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 17 | $ 2,124,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 15 | $ 1,554,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 15 | $ 2,013,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 11 | $ 1,940,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 11 | $ 1,185,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,008,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 8 | $ 910,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 8 | $ 1,320,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 7 | $ 724,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 7 | $ 1,591,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 908,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 7 | $ 862,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 557,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 718,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 6 | $ 480,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 612,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 6 | $ 730,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 6 | $ 651,000 |
| Scottsburg Building & Loan P.O. BOX 2 SCOTTSBURG, IN 47170 |
* | $ 92,316,000 | 5 | $ 337,000 |
| Bedford Loan & Deposit Bank P.O. BOX 276 45 HWY 42 E BEDFORD, KY 40006 |
* | $ 75,063,000 | 5 | $ 665,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 5 | $ 698,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 533,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 5 | $ 736,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 5 | $ 661,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 5 | $ 949,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 4 | $ 677,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 315,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 613,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 4 | $ 31,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 3,685,878,000 | 4 | $ 737,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 4 | $ 261,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 4 | $ 852,000 |
| Bloombank 48 N WASHINGTON ST BLOOMFIELD, IN 47424 |
* | $ 440,602,000 | 3 | $ 263,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 3 | $ 223,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 3 | $ 325,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 3 | $ 360,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 3 | $ 326,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 396,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 3 | $ 615,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 3 | $ 654,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 196,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 528,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 333,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 2 | $ 321,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 336,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 293,000 |
| Oxford Lending Group, LLC 1 EAST CAMPUS VIEW BLVD STE #200 COLUMBUS, OH 43235 |
* | $ 700,000,000 | 2 | $ 273,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 224,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 2 | $ 260,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 2 | $ 274,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 2 | $ 231,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,014,126,000 | 2 | $ 217,000 |
| The New Washington State Bank 402 EAST MAIN STREET NEW WASHINGTON, IN 47162 |
* | $ 212,068,000 | 2 | $ 73,000 |
| The Poples State Bank 601 E TEMPERANCE ST ELLETTSVILLE, IN 47429 |
* | $ 226,092,000 | 2 | $ 151,000 |
| Indiana University CU PO BOX 368 BLOOMINGTON, IN 47401 |
* | $ 581,401,000 | 2 | $ 271,000 |
| Owen Community Bank 279 E MORGAN STREET SPENCER, IN 47460 |
* | $ 71,091,000 | 2 | $ 69,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 79,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 174,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 69,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 123,000 |
| Ameriprise Bank, FSB 707 2ND AVENUE SOUTH MINNEAPOLIS, MN 55474 |
* | $ 1,476,384,000 | 1 | $ 78,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 105,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 777,505,000 | 1 | $ 240,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 59,000 |
| The Merchants Bank & Trust Co. 111 N. STATE ST. WEST HARRISON, IN 47060 |
* | $ 211,245,000 | 1 | $ 111,000 |
| Jackson County Bank 125 S CHESTNUT ST SEYMOUR, IN 47274 |
* | $ 405,553,000 | 1 | $ 65,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 32,000 |
| First Harrison Bank 220 FEDERAL DRIVE CORYDON, IN 47112 |
* | $ 460,613,000 | 1 | $ 132,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,706,972,000 | 1 | $ 122,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 62,000 |
| Irwin Union Bank 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,291,256,000 | 1 | $ 343,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 1 | $ 121,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 1 | $ 66,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 1 | $ 77,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 258,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 4,445,830,000 | 1 | $ 104,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 2,041,199,000 | 1 | $ 28,000 |
| Bank of Indiana, N.A. 129 MAPLE ST. DANA, IN 47847 |
* | $ 64,454,000 | 1 | $ 383,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 71,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 630,053,000 | 1 | $ 622,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 1 | $ 118,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 61,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 143,000 |
| Stonegate Mortgage Corporation 10412 ALLISONVILLE ROAD SUITE 250 FISHERS, IN 46038 |
* | $ 1,855,000 | 1 | $ 147,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 92,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Gateway Mortgage Group LLC 6910 E 14TH ST TULSA, OK 74112 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 123,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 100,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 137,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 1 | $ 133,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 125,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 56,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 91,000 |
| Somerset Investors Corp. 290 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 203,000 |
The tables below break down 2009 mortgage applications in Jefferson 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 Jefferson County, IN in 2009
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 | 1,545 | $175,561,000 | $113,000 | $1,436,000 | $63,000 | $700,000 |
| Home Purchase | 425 | $43,489,000 | $102,000 | $502,000 | $52,000 | $520,000 |
| Home Improvement | 98 | $6,300,000 | $64,000 | $315,000 | $57,000 | $275,000 |
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 | 1,817 | $196,767,000 | $108,000 | $622,000 | $63,000 | $700,000 |
| Not applicable | 114 | $12,067,000 | $105,000 | $1,436,000 | $15,000 | $151,000 |
| Not Provided | 94 | $11,345,000 | $120,000 | $410,000 | $74,000 | $444,000 |
| Black or African American | 11 | $1,112,000 | $101,000 | $145,000 | $50,000 | $101,000 |
| Hispanic | 10 | $1,112,000 | $111,000 | $212,000 | $49,000 | $97,000 |
| Asian | 10 | $1,258,000 | $125,000 | $203,000 | $56,000 | $126,000 |
| American Indian or Alaskan Native | 7 | $902,000 | $128,000 | $170,000 | $125,000 | $414,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $787,000 | $157,000 | $199,000 | $82,000 | $95,000 |
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) | 1,615 | $171,758,000 | $106,000 | $1,436,000 | $66,000 | $700,000 |
| FHA-insured (Federal Housing Administration) | 342 | $41,288,000 | $120,000 | $276,000 | $45,000 | $134,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $4,718,000 | $82,000 | $163,000 | $27,000 | $68,000 |
| VA-guaranteed (Veterans Administration) | 54 | $7,586,000 | $140,000 | $258,000 | $35,000 | $108,000 |
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 | 1,108 | $117,718,000 | $106,000 | $1,436,000 | $66,000 | $700,000 |
| Application Denied By Financial Institution | 406 | $44,700,000 | $110,000 | $502,000 | $56,000 | $444,000 |
| Application Approved But Not Accepted | 206 | $23,535,000 | $114,000 | $417,000 | $64,000 | $275,000 |
| Loan Purchased By The Institution | 171 | $19,018,000 | $111,000 | $438,000 | $33,000 | $178,000 |
| Application Withdrawn By Applicant | 132 | $14,950,000 | $113,000 | $280,000 | $63,000 | $300,000 |
| File Closed For Incompleteness | 45 | $5,429,000 | $120,000 | $390,000 | $49,000 | $189,000 |
| 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 | $10,370,000 | $83,000 | $275,000 | $48,000 | $144,000 |
| Debt-To-Income Ratio | 70 | $8,584,000 | $122,000 | $317,000 | $49,000 | $154,000 |
| Collateral | 63 | $8,345,000 | $132,000 | $415,000 | $78,000 | $444,000 |
| Other | 22 | $2,820,000 | $128,000 | $304,000 | $71,000 | $150,000 |
| Credit Application Incomplete | 8 | $799,000 | $99,000 | $165,000 | $47,000 | $86,000 |
| Unverifiable Information | 6 | $468,000 | $78,000 | $136,000 | $42,000 | $102,000 |
| Employment History | 4 | $297,000 | $74,000 | $147,000 | $43,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $300,000 | $100,000 | $145,000 | $32,000 | $72,000 |
| Mortgage Insurance Denied | 1 | $122,000 | $122,000 | $122,000 | $94,000 | $94,000 |
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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