Jefferson County, OH Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 2,360 mortgage applications in Jefferson County, OH totaling $247.3 million, up 5% from 2012. The average application was for $104,000, and applicants reported an average income of $61,000. 51% of applications resulted in an originated loan and 30% were denied. The most active lender was Huntington National Bank, with 510 applications, followed by US Bank, N.A. and First National Bank of Pa.

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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 2,360
Total Mortgage Loan Application Amount $247,309,000
Average Mortgage Loan Application Amount $104,000
Highest Mortgage Loan Application Amount $51,800,000
Average Applicant Income $61,000
Highest Applicant Income $745,000

Mortgage Company List for Lending in Jefferson County, OH for 2013

* 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
* $ 55,954,625,000 510 $ 40,156,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 376 $ 27,128,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 11,842,395,000 165 $ 10,900,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 160 $ 9,764,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 137 $ 11,830,000
Hancock County Savings Bank, FSB
351 CAROLINA AVENUE
CHESTER, WV 26034
* $ 328,858,000 79 $ 8,734,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 69 $ 5,758,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 6,065,555,000 62 $ 8,006,000
Republic Mortgage Home Loans
5241 SOUTH STATE STREET, SUITE 2
MURRAY, UT 84107
* $ 10,000,000 56 $ 5,102,000
The Peoples National Bank of Mount Pleasant
298 UNION ST, PO BOX 217
MT PLEASANT, OH 43939
* $ 59,010,000 54 $ 3,267,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 34 $ 2,823,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 31 $ 3,125,000
Unified Bank
201 S 4TH STREET
MARTINS FERRY, OH 43935
* $ 436,774,000 30 $ 2,398,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 27 $ 2,256,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 26 $ 2,248,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 23 $ 1,989,000
First Choice America Community
3501 MAIN STREET
WEIRTON, WV 26062
* $ 382,197,000 23 $ 1,628,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 17 $ 1,764,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 16 $ 2,329,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 16 $ 1,623,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 15 $ 1,385,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 15 $ 1,373,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 12 $ 870,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 12 $ 1,501,000
Main Street Bank
2001 MAIN STREET, SUITE 100
WHEELING, WV 26003
* $ 271,611,000 12 $ 569,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 12 $ 1,432,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 11 $ 1,227,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 11 $ 1,450,000
Premier Bank & Trust, N.A.
600 SOUTH MAIN STREET
NORTH CANTON, OH 44720
* $ 174,736,000 9 $ 795,000
Belmont Savings Bank
PO BOX 654
BELLAIRE, OH 43906
* $ 481,039,000 9 $ 715,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 9 $ 1,281,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 1,808,305,000 8 $ 846,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 8 $ 662,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 7 $ 643,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 382,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 7 $ 589,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 482,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 7 $ 665,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 186,789,896,000 7 $ 570,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 6 $ 409,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 378,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 6 $ 452,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 6 $ 728,000
Ohio Valley Community Credit Union
52775 BOSTON HILL ROAD
CLARINGTON, OH 43915
* $ 125,467,000 5 $ 336,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,674,748,000 5 $ 440,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 380,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 5 $ 624,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 250,961,257,000 5 $ 258,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 119,444,656,000 5 $ 463,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 5 $ 376,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 5 $ 621,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 4,932,825,000 4 $ 121,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 4 $ 576,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 4 $ 531,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 4 $ 163,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 4 $ 461,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 419,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 4 $ 452,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 429,180,000 4 $ 617,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 709,000
Priority Mortgage Corp.
150 E WILSON BRIDGE RD STE 350
WORTHINGTON, OH 43085
* $ 10,000,000 4 $ 403,000
Cfbank
3009 SMITH RD SUITE 100
FAIRLAWN, OH 44333
* $ 209,405,000 4 $ 414,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 669,944,000 3 $ 160,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 3 $ 256,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,203,139,000 3 $ 126,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 3 $ 439,000
Union Capital Mortgage Corp
7676 REYNOLDS ROAD
MENTOR, OH 44060
* $ 10,000,000 3 $ 248,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 297,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 3 $ 302,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 3 $ 377,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 104,823,994,000 3 $ 289,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 2 $ 177,000
Reliant Bank
1736 CAROTHERS PKWY., STE. 100
BRENTWOOD, TN 37027
* $ 384,620,000 2 $ 114,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 97,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 5,784,213,000 2 $ 327,000
Banc of California, NA
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 1,369,414,000 2 $ 132,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,901,417,000 2 $ 147,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 2 $ 111,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 194,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 273,007,000 2 $ 140,000
Consumers National Bank
614 EAST LINCOLN WAY
MINERVA, OH 44567
* $ 344,952,000 2 $ 67,000
Progressive Bank, National Association
1701 WARWOOD AVENUE, PO BOX 4075
WHEELING, WV 26003
* $ 306,188,000 2 $ 55,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 260,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 2 $ 338,000
Edison Financial Credit Union
45 SOUTH AVE
YOUNGSTOWN, OH 44503
* $ 43,417,000 2 $ 11,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 750,958,000 2 $ 104,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 2 $ 318,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 123,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 475,008,000 1 $ 118,000
Seven Seventeen Credit Union
3181 LARCHMONT AVE.
WARREN, OH 44483
* $ 831,486,000 1 $ 40,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,392,424,000 1 $ 33,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 2,108,081,000 1 $ 70,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 116,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 6,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 116,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 196,979,000 1 $ 16,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,232,230,000 1 $ 170,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 170,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 1 $ 74,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 84,000
American Midwest Mortgage Corporation
6363 YORK ROAD
PARMA HEIGHTS, OH 44130
* $ 10,000,000 1 $ 130,000
1st National Community Bank
16924 ST CLAIR AVE, P. O. BOX 796
EAST LIVERPOOL, OH 43920
* $ 136,601,000 1 $ 100,000
First Personal Bank
14701 S RAVINIA AVE
ORLAND PARK, IL 60462
* $ 170,467,000 1 $ 45,000
Midwest Carpenters & Millwrights Federal Credit Union
680 NORTH UNION STREET
HOBART, IN 46342
* $ 86,528,000 1 $ 75,000
Hopewell Federal CU
501 HOPEWELL DR. PO BOX 2157
HEATH, OH 43056
* $ 74,919,000 1 $ 71,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 56,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 162,000
Potomac Bank
111 EAST WASHINGTON ST
CHARLES TOWN, WV 00000
* $ 295,779,000 1 $ 150,000
Apex Bank
102 E MAIN ST
CAMDEN, TN 38320
* $ 250,414,000 1 $ 41,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 1 $ 104,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 91,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 6,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 87,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 1 $ 75,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ 2,458,000 1 $ 139,000
Zions Bancorporation, N.A.

DENVER, CO 80237
* $ 17,930,123,000 1 $ 5,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 87,043,364,000 1 $ 41,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ 263,718,000 1 $ 44,000
Canton School Employees Federal Credit Union
1380 MARKET AVE N
CANTON, OH 44714
* $ 172,488,000 1 $ 3,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 2,872,587,000 1 $ 70,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 210,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 71,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,731,663,000 1 $ 190,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,590,320,000 1 $ 359,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ 10,000,000 1 $ 137,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 51,800,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 202,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 88,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 132,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 43,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 236,000
Citizens Bank of Pennsylvania
ONE LOGAN SQUARE, 130 NORTH 18TH STREET
PHILADELPHIA, PA 19103
* $ 34,091,216,000 1 $ 5,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 1 $ 94,000
Firstmerit Mortgage Corp
4455 HILLS AND DALES RD. NW - MTG80
CANTON, OH 44708
* $ 6,000,000,000 1 $ 145,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 268,686,000 1 $ 59,000
Clearview Federal Credit Union
8805 UNIVERSITY BLVD
MOON TOWNSHIP, PA 15108
* $ 789,202,000 1 $ 30,000
Ohio Catholic Federal Credit Union
13623 ROCKSIDE RD.
GARFIELD HEIGHTS, OH 44125
* $ 154,095,000 1 $ 202,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 187,276,000 1 $ 90,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 1 $ 20,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 16,553,533,000 1 $ 109,000

The tables below break down 2013 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 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 1,377 $175,285,000 $127,000 $51,800,000 $64,000 $640,000
Home Purchase 646 $60,015,000 $92,000 $750,000 $56,000 $572,000
Home Improvement 337 $12,009,000 $35,000 $236,000 $62,000 $745,000

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 1,995 $163,406,000 $81,000 $810,000 $65,000 $745,000
Not Provided 158 $12,385,000 $78,000 $388,000 $65,000 $400,000
Not applicable 144 $66,691,000 $463,000 $51,800,000 $14,000 $350,000
Black or African American 36 $2,658,000 $73,000 $186,000 $54,000 $420,000
Hispanic 16 $948,000 $59,000 $130,000 $69,000 $147,000
American Indian or Alaskan Native 7 $604,000 $86,000 $131,000 $64,000 $140,000
Asian 4 $617,000 $154,000 $417,000 $99,000 $240,000
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) 1,837 $145,855,000 $79,000 $1,392,000 $66,000 $745,000
FHA-insured (Federal Housing Administration) 337 $82,995,000 $246,000 $51,800,000 $44,000 $224,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 106 $9,022,000 $85,000 $163,000 $37,000 $73,000
VA-guaranteed (Veterans Administration) 80 $9,437,000 $117,000 $249,000 $56,000 $156,000

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 1,198 $97,612,000 $81,000 $1,392,000 $66,000 $745,000
Application Denied By Financial Institution 710 $54,287,000 $76,000 $810,000 $61,000 $572,000
Loan Purchased By The Institution 196 $70,004,000 $357,000 $51,800,000 $32,000 $350,000
Application Withdrawn By Applicant 108 $10,756,000 $99,000 $500,000 $66,000 $528,000
Application Approved But Not Accepted 80 $7,982,000 $99,000 $270,000 $77,000 $303,000
File Closed For Incompleteness 68 $6,668,000 $98,000 $270,000 $56,000 $180,000
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 281 $15,598,000 $55,000 $304,000 $59,000 $316,000
Collateral 136 $12,212,000 $89,000 $285,000 $67,000 $196,000
Credit Application Incomplete 93 $7,239,000 $77,000 $359,000 $69,000 $450,000
Debt-To-Income Ratio 72 $7,149,000 $99,000 $403,000 $43,000 $216,000
Other 31 $2,809,000 $90,000 $375,000 $66,000 $572,000
Unverifiable Information 18 $1,916,000 $106,000 $417,000 $62,000 $159,000
Insufficient Cash (Downpayment, Closing Cost) 12 $914,000 $76,000 $115,000 $62,000 $105,000
Employment History 3 $102,000 $34,000 $56,000 $52,000 $72,000
Mortgage Insurance Denied 1 $106,000 $106,000 $106,000 $40,000 $40,000

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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