Kalkaska County, MI Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 803 mortgage applications in Kalkaska County, MI totaling $92.8 million, up 21% from 2015. The average application was for $115,000, and applicants reported an average income of $73,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was Chemical Bank, with 81 applications, followed by Huntington National Bank and Lake Michigan Credit Union.
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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 | 803 |
| Total Mortgage Loan Application Amount | $92,775,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $666,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $2,146,000 |
* 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 |
* | $ 9,166,710,000 | 81 | $ 7,836,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 44 | $ 3,810,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 4,089,397,000 | 40 | $ 5,375,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 34 | $ 3,492,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 33 | $ 4,721,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 33 | $ 3,654,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 29 | $ 3,820,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 28 | $ 4,162,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 17 | $ 2,506,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 3,034,515,000 | 14 | $ 514,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 14 | $ 1,604,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 13 | $ 1,394,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 736,116,000 | 12 | $ 1,100,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 12 | $ 1,058,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 11 | $ 1,747,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 11 | $ 627,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 9 | $ 1,279,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 525,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 8 | $ 882,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 8 | $ 813,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 8 | $ 1,736,000 |
| Gsf Mortgage Corp 15430 W CAPITOL DRIVE BROOKFIELD, WI 53005 |
* | $ 10,000,000 | 8 | $ 914,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 7 | $ 1,050,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 7 | $ 700,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 894,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,093,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 6 | $ 614,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 6 | $ 653,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 704,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 5 | $ 715,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 5 | $ 771,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,397,774,000 | 5 | $ 846,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 401,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 5 | $ 498,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 5 | $ 514,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 2,883,076,000 | 4 | $ 763,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 4 | $ 350,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 25,520,808,000 | 4 | $ 675,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 4 | $ 413,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 4 | $ 406,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 102,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 4 | $ 376,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 4 | $ 416,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 4 | $ 671,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 345,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 233,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 27,567,209,000 | 3 | $ 494,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 384,137,000 | 3 | $ 105,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,002,110,000 | 3 | $ 71,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,616,259,000 | 3 | $ 259,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 3 | $ 465,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 695,705,000 | 3 | $ 283,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 3 | $ 489,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 3 | $ 362,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 3 | $ 240,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 375,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 3 | $ 315,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 3 | $ 99,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 396,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 4,020,891,000 | 2 | $ 499,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,550,639,000 | 2 | $ 341,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 321,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 207,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 324,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 162,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 284,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 2,647,596,000 | 2 | $ 241,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 2 | $ 380,000 |
| Main Street Bank 31780 TELEGRAPH ROAD, SUITE 100 BINGHAM FARMS, MI 48025 |
* | $ 199,537,000 | 2 | $ 313,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 2 | $ 91,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 2 | $ 464,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 366,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 2 | $ 125,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 323,033,000 | 2 | $ 185,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 674,549,000 | 2 | $ 16,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 472,715,000 | 2 | $ 412,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 178,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 174,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 323,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 1,727,803,000 | 1 | $ 305,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 459,125,000 | 1 | $ 100,000 |
| Oxford Bank 60 S WASHINGTON ST OXFORD, MI 48371 |
* | $ 318,409,000 | 1 | $ 129,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 98,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 396,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,023,016,000 | 1 | $ 77,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,013,151,000 | 1 | $ 93,000 |
| Talmer B&Tc 2301 W BIG BEAVER RD TROY, MI 48084 |
* | $ 6,586,459,000 | 1 | $ 167,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 3,958,614,000 | 1 | $ 276,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 451,767,000 | 1 | $ 144,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 1 | $ 365,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 40,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 45,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 1 | $ 68,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 701,971,000 | 1 | $ 95,000 |
| Michigan First Mortgage Inc 6501 HIGHLAND RD WATERFORD, MI 48327 |
* | $ 764,593,751,000 | 1 | $ 92,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 86,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 71,000 |
| Homesite Mortgage, LLC 222 S MAIN ST STE 106 ROCHESTER, MI 48307 |
* | $ 6,646,000 | 1 | $ 159,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Farmers Statebank of Munith 201 N MAIN ST MUNITH, MI 49259 |
* | $ 68,040,000 | 1 | $ 55,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 132,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 12,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 158,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 102,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 245,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 413,805,000 | 1 | $ 73,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 406,373,000 | 1 | $ 45,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 978,459,000 | 1 | $ 72,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 410,754,000 | 1 | $ 72,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 370,414,000 | 1 | $ 207,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 253,857,000 | 1 | $ 53,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 207,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 195,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 10,000,000 | 1 | $ 268,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 172,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 100,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 188,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 11,846,211,000 | 1 | $ 77,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 77,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 970,549,000 | 1 | $ 69,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 444,444,000 | 1 | $ 60,000 |
The tables below break down 2016 mortgage applications in Kalkaska 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 Kalkaska County, MI in 2016
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 | 417 | $49,628,000 | $119,000 | $365,000 | $73,000 | $2,146,000 |
| Refinancing | 328 | $40,529,000 | $123,000 | $666,000 | $77,000 | $648,000 |
| Home Improvement | 58 | $2,618,000 | $45,000 | $450,000 | $61,000 | $163,000 |
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 | 648 | $76,940,000 | $118,000 | $666,000 | $77,000 | $648,000 |
| Not Provided | 89 | $8,721,000 | $97,000 | $450,000 | $88,000 | $2,146,000 |
| Not applicable | 47 | $5,446,000 | $115,000 | $350,000 | $9,000 | $222,000 |
| Hispanic | 9 | $769,000 | $85,000 | $155,000 | $52,000 | $113,000 |
| Black or African American | 5 | $461,000 | $92,000 | $163,000 | $40,000 | $69,000 |
| American Indian or Alaskan Native | 4 | $291,000 | $72,000 | $174,000 | $52,000 | $118,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $147,000 | $147,000 | $147,000 | $71,000 | $71,000 |
| Asian | 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) | 520 | $60,407,000 | $116,000 | $613,000 | $93,000 | $2,146,000 |
| FHA-insured (Federal Housing Administration) | 129 | $13,189,000 | $102,000 | $236,000 | $39,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 83 | $11,916,000 | $143,000 | $666,000 | $40,000 | $161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 71 | $7,263,000 | $102,000 | $268,000 | $36,000 | $83,000 |
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 | 416 | $50,418,000 | $121,000 | $613,000 | $87,000 | $2,146,000 |
| Application Denied By Financial Institution | 178 | $17,008,000 | $95,000 | $666,000 | $61,000 | $600,000 |
| Application Withdrawn By Applicant | 91 | $11,199,000 | $123,000 | $320,000 | $68,000 | $401,000 |
| Loan Purchased By The Institution | 71 | $8,689,000 | $122,000 | $356,000 | $36,000 | $331,000 |
| File Closed For Incompleteness | 26 | $3,529,000 | $135,000 | $396,000 | $69,000 | $235,000 |
| Application Approved But Not Accepted | 21 | $1,932,000 | $92,000 | $250,000 | $62,000 | $129,000 |
| 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 | 33 | $3,404,000 | $103,000 | $395,000 | $45,000 | $137,000 |
| Debt-To-Income Ratio | 22 | $1,866,000 | $84,000 | $268,000 | $51,000 | $160,000 |
| Credit History | 18 | $1,040,000 | $57,000 | $102,000 | $57,000 | $192,000 |
| Credit Application Incomplete | 16 | $1,741,000 | $108,000 | $218,000 | $52,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $411,000 | $68,000 | $100,000 | $50,000 | $76,000 |
| Other | 6 | $540,000 | $90,000 | $244,000 | $109,000 | $444,000 |
| Unverifiable Information | 5 | $720,000 | $144,000 | $273,000 | $100,000 | $372,000 |
| Employment History | 1 | $114,000 | $114,000 | $114,000 | $46,000 | $46,000 |
| 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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