Knox County, IN Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,171 mortgage applications in Knox County, IN totaling $137.6 million, down 28% from 2021. The average application was for $117,000, and applicants reported an average income of $73,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Liberty Federal Credit Union, with 179 applications, followed by Regions Bank and German American Bank.
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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 | 1,171 |
| Total Mortgage Loan Application Amount | $137,625,000 |
| Average Mortgage Loan Application Amount | $117,000 |
| Highest Mortgage Loan Application Amount | $3,285,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $717,000 |
* 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 |
|---|---|---|---|---|
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 179 | $ 17,245,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 125 | $ 8,695,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 110 | $ 10,770,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 62 | $ 8,180,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 51 | $ 5,365,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 34 | $ 2,200,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 29 | $ 4,135,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 29 | $ 3,775,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 28 | $ 2,750,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 22 | $ 3,150,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 22 | $ 2,740,000 |
| Mortgage Masters of Indiana Inc 501 N CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ -1,000 | 21 | $ 2,995,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 16 | $ 3,090,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 15 | $ 1,505,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 15 | $ 2,325,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 1,720,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 14 | $ 1,590,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 12 | $ 1,410,000 |
| Crane Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 923,193,000 | 11 | $ 855,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 1,050,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 10 | $ 1,690,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 10 | $ 1,510,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 10 | $ 1,340,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 10 | $ 2,170,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 10 | $ 1,530,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 9 | $ 1,135,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,225,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 1,230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 985,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 7 | $ 935,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 7 | $ 1,205,000 |
| Owen County State Bank 201 W MORGAN ST SPENCER, IN 47460 |
* | $ 345,463,000 | 6 | $ 570,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 530,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 6 | $ 500,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 5 | $ 645,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 5 | $ 745,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 5 | $ 715,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 815,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 5 | $ 1,125,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 5 | $ 605,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 4 | $ 420,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 4 | $ 240,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 470,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 570,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 4 | $ 450,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 3 | $ 1,645,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 575,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 3 | $ 155,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,244,199,000 | 3 | $ 155,000 |
| Boonville Federal Savings Bank 123 N. THIRD STREET BOONVILLE, IN 47601 |
* | $ 62,815,000 | 3 | $ 135,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 3 | $ 285,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 305,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 3 | $ 95,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 3 | $ 255,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 3 | $ 485,000 |
| The Peoples State Bank of Newton 100 W WASHINGTON ST NEWTON, IL 62448 |
* | $ 591,547,000 | 3 | $ 645,000 |
| First Federal Savings Bank PO BOX 1111 EVANSVILLE, IN 47706 |
* | $ 482,575,000 | 3 | $ 215,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 3 | $ 495,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 285,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 595,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ -1,000 | 2 | $ 560,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 340,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 110,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 310,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 350,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 220,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 150,000 |
| Farmers & Mechanics 225 EAST MAIN STREET BLOOMFIELD, IN 47424 |
* | $ 111,658,000 | 2 | $ 330,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 500,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 320,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 2,573,220,000 | 2 | $ 210,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 2 | $ 370,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 2,073,754,000 | 2 | $ 60,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 240,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 420,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 2 | $ 160,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 110,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 490,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 80,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 2,640,347,000 | 1 | $ 95,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 25,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 1 | $ 245,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 35,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 35,000 |
| First Fed Bank 105 W 8TH ST PORT ANGELES, WA 98362 |
* | $ 1,917,431,000 | 1 | $ 45,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 115,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 145,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ -1,000 | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 165,000 |
| Enterprise Bank & Trust 150 N. MERAMEC AVE. CLAYTON, MO 63105 |
* | $ 13,498,982,000 | 1 | $ 325,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 205,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 45,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 115,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ 515,326,000 | 1 | $ 15,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 15,000 |
| Petefish, Skiles, & Company Bank 102 W. BEARDSTOWN ST. VIRGINIA, IL 62691 |
* | $ 270,649,000 | 1 | $ 75,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 4,499,550,000 | 1 | $ 275,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 629,484,000 | 1 | $ 195,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 145,000 |
| Mjw Financial LLC dba Mjw Mortgage 8465 KEYSTONE CROSSING #145 INDIANAPOLIS, IN 46240 |
* | $ -1,000 | 1 | $ 145,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,521,721,000 | 1 | $ 55,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 50,093,398,000 | 1 | $ 235,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 2,429,620,000 | 1 | $ 145,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 305,000 |
| Secured Investment Corp 701 E FRONT AVE COEUR D'ALENE, ID 83814 |
* | $ -1,000 | 1 | $ 65,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 115,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 285,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 2,025,359,000 | 1 | $ 45,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 135,000 |
| Financial Center First Credit Union 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ 817,314,000 | 1 | $ 425,000 |
| Citizens Tri County Bank P.O. BOX, 15699 DUNLAP, TN 37327 |
* | $ 1,195,244,000 | 1 | $ 45,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 105,000 |
| Community First Bank of Ind 201 W SYCAMORE ST KOKOMO, IN 46901 |
* | $ 556,452,000 | 1 | $ 55,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 26,774,219,000 | 1 | $ 65,000 |
| Hoosier Hills Credit Union 630 LINCOLN AVE BEDFORD, IN 47421 |
* | $ 808,987,000 | 1 | $ 45,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 145,000 |
| Beacon Credit Union 586 S WABASH ST WABASH, IN 46992 |
* | $ 1,514,736,000 | 1 | $ 75,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,878,802,000 | 1 | $ 55,000 |
| The Paducah Bank and Trust Company 2635 LONE OAK RD PADUCAH, KY 42002 |
* | $ 822,330,000 | 1 | $ 1,805,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 6,541,677,000 | 1 | $ 3,285,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 262,541,000 | 1 | $ 125,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ -1,000 | 1 | $ 115,000 |
| First National Bank 302 S MAIN ST CLOVERDALE, IN 46120 |
* | $ 437,689,000 | 1 | $ 45,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 1 | $ 35,000 |
The tables below break down 2022 mortgage applications in Knox 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 Knox County, IN in 2022
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 | 577 | $87,245,000 | $151,000 | $3,285,000 | $74,000 | $717,000 |
| Cash-out Refinancing | 228 | $24,780,000 | $108,000 | $415,000 | $68,000 | $300,000 |
| Refinancing | 166 | $14,970,000 | $90,000 | $675,000 | $70,000 | $692,000 |
| Home Improvement | 129 | $6,465,000 | $50,000 | $385,000 | $87,000 | $360,000 |
| Other Purpose | 65 | $3,805,000 | $58,000 | $255,000 | $67,000 | $460,000 |
| Not Applicable | 6 | $360,000 | $60,000 | $95,000 | $0 | $0 |
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 | 924 | $98,360,000 | $106,000 | $675,000 | $71,000 | $692,000 |
| Not applicable | 129 | $22,045,000 | $170,000 | $3,285,000 | $85,000 | $172,000 |
| Not Provided | 74 | $10,170,000 | $137,000 | $635,000 | $92,000 | $717,000 |
| Hispanic | 18 | $3,030,000 | $168,000 | $555,000 | $95,000 | $400,000 |
| American Indian or Alaskan Native | 9 | $925,000 | $102,000 | $275,000 | $75,000 | $180,000 |
| Asian | 8 | $1,720,000 | $215,000 | $635,000 | $93,000 | $271,000 |
| Black or African American | 6 | $1,100,000 | $183,000 | $345,000 | $53,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $15,000 | $15,000 | $15,000 | $1,000 | $1,000 |
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) | 810 | $88,670,000 | $109,000 | $3,285,000 | $78,000 | $717,000 |
| FHA-insured (Federal Housing Administration) | 177 | $22,545,000 | $127,000 | $375,000 | $57,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 111 | $18,555,000 | $167,000 | $585,000 | $71,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $7,855,000 | $107,000 | $175,000 | $45,000 | $90,000 |
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 | 669 | $82,015,000 | $122,000 | $3,285,000 | $76,000 | $717,000 |
| Application Denied By Financial Institution | 204 | $17,680,000 | $86,000 | $635,000 | $66,000 | $564,000 |
| Application Withdrawn By Applicant | 120 | $14,800,000 | $123,000 | $535,000 | $74,000 | $460,000 |
| Loan Purchased By The Institution | 109 | $15,375,000 | $141,000 | $415,000 | $102,000 | $233,000 |
| File Closed For Incompleteness | 36 | $4,540,000 | $126,000 | $555,000 | $70,000 | $250,000 |
| Application Approved But Not Accepted | 30 | $2,930,000 | $97,000 | $245,000 | $50,000 | $98,000 |
| Preapproval Approved but not Accepted | 2 | $240,000 | $120,000 | $165,000 | $72,000 | $85,000 |
| Preapproval Denied by Financial Institution | 1 | $45,000 | $45,000 | $45,000 | $27,000 | $27,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 958 | $118,710,000 | $123,000 | $3,285,000 | $75,000 | $717,000 |
| Credit History | 100 | $7,540,000 | $75,000 | $285,000 | $65,000 | $360,000 |
| Debt-To-Income Ratio | 44 | $4,230,000 | $96,000 | $295,000 | $68,000 | $564,000 |
| Collateral | 29 | $3,045,000 | $105,000 | $635,000 | $83,000 | $295,000 |
| Other | 17 | $1,665,000 | $97,000 | $225,000 | $53,000 | $128,000 |
| Credit Application Incomplete | 9 | $945,000 | $105,000 | $245,000 | $89,000 | $300,000 |
| Unverifiable Information | 7 | $715,000 | $102,000 | $195,000 | $48,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $580,000 | $145,000 | $215,000 | $112,000 | $244,000 |
| Employment History | 3 | $195,000 | $65,000 | $65,000 | $29,000 | $35,000 |
| 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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