Jefferson County, OH Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 2,247 mortgage applications in Jefferson County, OH totaling $186.5 million, up 22% from 2011. The average application was for $82,000, and applicants reported an average income of $62,000. 51% of applications resulted in an originated loan and 32% were denied. The most active lender was Huntington National Bank, with 567 applications, followed by US Bk NA Nd 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 | 2,247 |
| Total Mortgage Loan Application Amount | $186,450,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $1,390,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 567 | $ 43,062,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 286 | $ 17,038,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 194 | $ 14,753,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 144 | $ 13,174,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 9,651,294,000 | 120 | $ 8,577,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 116 | $ 10,659,000 |
| Hancock County Savings Bank, FSB 351 CAROLINA AVENUE CHESTER, WV 26034 |
* | $ 312,703,000 | 96 | $ 13,413,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 72 | $ 7,463,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,520,183,000 | 60 | $ 4,555,000 |
| First Choice America Community 3501 MAIN STREET WEIRTON, WV 26062 |
* | $ 359,220,000 | 31 | $ 1,942,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 31 | $ 2,789,000 |
| Unified Bank 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 414,460,000 | 28 | $ 1,768,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 26 | $ 2,152,000 |
| The Peoples National Bank of Mount Pleasant 298 UNION ST, PO BOX 217 MT PLEASANT, OH 43939 |
* | $ 59,202,000 | 22 | $ 899,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 21 | $ 1,582,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 21 | $ 1,779,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 16 | $ 1,661,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 15 | $ 2,359,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 14 | $ 1,660,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 13 | $ 1,307,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 12 | $ 925,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 11 | $ 1,313,000 |
| Belmont Savings Bank PO BOX 654 BELLAIRE, OH 43906 |
* | $ 490,239,000 | 11 | $ 446,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 11 | $ 1,088,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 10 | $ 1,066,000 |
| Priority Mortgage Corp. 150 E WILSON BRIDGE RD STE 350 WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 9 | $ 1,034,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 9 | $ 814,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 1,144,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 7 | $ 98,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 7 | $ 799,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 809,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 6 | $ 668,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 6 | $ 76,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 492,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 6 | $ 226,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 5 | $ 426,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 5 | $ 301,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 504,000 |
| Cfbank 3009 SMITH RD SUITE 100 FAIRLAWN, OH 44333 |
* | $ 249,600,000 | 5 | $ 501,000 |
| Premier Bank & Trust, N.A. 600 SOUTH MAIN STREET NORTH CANTON, OH 44720 |
* | $ 146,596,000 | 4 | $ 268,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 4,479,945,000 | 4 | $ 531,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ 6,350,770,000 | 4 | $ 240,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,123,880,000 | 4 | $ 155,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 270,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 452,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 251,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 318,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 4 | $ 391,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 4 | $ 424,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,420,570,000 | 4 | $ 606,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 3 | $ 269,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 3 | $ 386,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 3 | $ 317,000 |
| Main Street Bank 2001 MAIN STREET, SUITE 100 WHEELING, WV 26003 |
* | $ 244,023,000 | 3 | $ 312,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 3 | $ 208,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 95,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 571,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 3 | $ 343,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 3 | $ 342,000 |
| The Equitable Mortgage Corporation 655 METRO PLACE SOUTH SUITE 500 DUBLIN, OH 43017 |
* | $ 10,000,000 | 3 | $ 316,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 3 | $ 239,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,625,405,000 | 3 | $ 198,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 3 | $ 144,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,681,476,000 | 3 | $ 679,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 3 | $ 486,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 3 | $ 153,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 375,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 648,887,000 | 2 | $ 128,000 |
| 1st National Community Bank 16924 ST CLAIR AVE, P. O. BOX 796 EAST LIVERPOOL, OH 43920 |
* | $ 130,195,000 | 2 | $ 52,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 235,866,000 | 2 | $ 28,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 7,975,877,000 | 2 | $ 71,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 2 | $ 160,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 58,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 84,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 133,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 299,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 219,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 127,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 2 | $ 84,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 414,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 234,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 2 | $ 37,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 45,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 1 | $ 51,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 84,000 |
| Merchants Capital Corp. 11555 NORTH MERIDIAN STREET, SUITE 400 CARMEL, IN 46032 |
* | $ 35,564,000 | 1 | $ 1,400,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,788,701,000 | 1 | $ 260,000 |
| First National Bank 112 W MARKET STREET ORRVILLE, OH 44646 |
* | $ 403,382,000 | 1 | $ 144,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,488,863,000 | 1 | $ 67,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 155,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 1 | $ 112,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 190,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 140,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 116,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 87,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 275,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 123,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 88,000 |
| Self Help Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 564,961,000 | 1 | $ 57,000 |
| Pathways Financial Credit Union 5665 N. HAMILTON RD COLUMBUS, OH 43230 |
* | $ 59,366,000 | 1 | $ 38,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 82,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 32,000 |
| The Citizens Bank of Ashville 26 E MAIN STREET ASHVILLE, OH 43103 |
* | $ 100,317,000 | 1 | $ 99,000 |
| Canton School Employees Federal Credit Union 1380 MARKET AVE N CANTON, OH 44714 |
* | $ 149,418,000 | 1 | $ 2,000 |
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 793,399,000 | 1 | $ 109,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 3,115,825,000 | 1 | $ 44,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 5,134,908,000 | 1 | $ 300,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 275,779,000 | 1 | $ 27,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 163,495,000 | 1 | $ 29,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 663,477,000 | 1 | $ 66,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,423,017,000 | 1 | $ 104,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,033,894,000 | 1 | $ 208,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 619,450,000 | 1 | $ 206,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 683,045,000 | 1 | $ 69,000 |
| The Commercial & Savings Bank 91 NORTH CLAY STREET MILLERSBURG, OH 44654 |
* | $ 550,991,000 | 1 | $ 200,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 1 | $ 4,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 8,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 1 | $ 43,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 29,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 97,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 76,000 |
The tables below break down 2012 mortgage applications in Jefferson 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 Jefferson 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 | 1,371 | $128,280,000 | $93,000 | $1,400,000 | $68,000 | $1,390,000 |
| Home Purchase | 559 | $45,849,000 | $82,000 | $748,000 | $50,000 | $308,000 |
| Home Improvement | 317 | $12,321,000 | $38,000 | $625,000 | $57,000 | $576,000 |
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 | 1,952 | $159,514,000 | $81,000 | $1,291,000 | $64,000 | $1,390,000 |
| Not Provided | 142 | $13,446,000 | $94,000 | $372,000 | $63,000 | $350,000 |
| Not applicable | 83 | $8,549,000 | $103,000 | $1,400,000 | $10,000 | $129,000 |
| Black or African American | 35 | $1,710,000 | $48,000 | $160,000 | $44,000 | $145,000 |
| Hispanic | 17 | $1,194,000 | $70,000 | $167,000 | $70,000 | $326,000 |
| Asian | 12 | $1,313,000 | $109,000 | $355,000 | $102,000 | $299,000 |
| American Indian or Alaskan Native | 4 | $501,000 | $125,000 | $244,000 | $54,000 | $65,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $223,000 | $111,000 | $126,000 | $58,000 | $69,000 |
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) | 1,744 | $138,613,000 | $79,000 | $1,291,000 | $67,000 | $1,390,000 |
| FHA-insured (Federal Housing Administration) | 347 | $32,538,000 | $93,000 | $1,400,000 | $47,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 94 | $7,621,000 | $81,000 | $153,000 | $36,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 62 | $7,678,000 | $123,000 | $326,000 | $46,000 | $189,000 |
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 | 1,139 | $101,392,000 | $89,000 | $1,400,000 | $68,000 | $1,390,000 |
| Application Denied By Financial Institution | 713 | $47,399,000 | $66,000 | $355,000 | $59,000 | $721,000 |
| Loan Purchased By The Institution | 175 | $17,236,000 | $98,000 | $265,000 | $37,000 | $166,000 |
| Application Withdrawn By Applicant | 87 | $7,741,000 | $88,000 | $300,000 | $62,000 | $350,000 |
| Application Approved But Not Accepted | 79 | $7,671,000 | $97,000 | $625,000 | $67,000 | $334,000 |
| File Closed For Incompleteness | 54 | $5,011,000 | $92,000 | $215,000 | $59,000 | $175,000 |
| 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 | 275 | $13,270,000 | $48,000 | $259,000 | $56,000 | $721,000 |
| Collateral | 140 | $12,270,000 | $87,000 | $326,000 | $68,000 | $425,000 |
| Credit Application Incomplete | 112 | $8,852,000 | $79,000 | $355,000 | $69,000 | $292,000 |
| Debt-To-Income Ratio | 69 | $4,902,000 | $71,000 | $230,000 | $43,000 | $120,000 |
| Other | 39 | $2,714,000 | $69,000 | $184,000 | $57,000 | $226,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 25 | $2,010,000 | $80,000 | $249,000 | $78,000 | $226,000 |
| Unverifiable Information | 5 | $410,000 | $82,000 | $150,000 | $66,000 | $121,000 |
| Employment History | 3 | $131,000 | $43,000 | $78,000 | $7,000 | $13,000 |
| Mortgage Insurance Denied | 1 | $134,000 | $134,000 | $134,000 | $133,000 | $133,000 |
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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