LaGrange County, IN Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,510 mortgage applications in LaGrange County, IN totaling $287.9 million, up 11% from 2024. The average application was for $190,000, and applicants reported an average income of $114,000. 64% of applications resulted in an originated loan and 15% were denied. The most active lender was Farmers State Bank, with 317 applications, followed by Interra Credit Union and Lake City 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 | 1,510 |
| Total Mortgage Loan Application Amount | $287,920,000 |
| Average Mortgage Loan Application Amount | $190,000 |
| Highest Mortgage Loan Application Amount | $1,405,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $2,916,000 |
* 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 |
|---|---|---|---|---|
| Farmers State Bank 220 S. DETROIT STREET LAGRANGE, IN 46761 |
* | $ n/a | 317 | $ 67,245,000 |
| Interra Credit Union 300 W LINCOLN AVE GOSHEN, IN 46527 |
* | $ n/a | 204 | $ 36,690,000 |
| Lake City Bank P.O. BOX 1387 WARSAW, IN 46581 |
* | $ n/a | 102 | $ 16,990,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 54 | $ 16,790,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 51 | $ 11,405,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ n/a | 44 | $ 5,680,000 |
| The Campbell & Fetter Bank PO BOX 231 KENDALLVILLE, IN 46755 |
* | $ n/a | 35 | $ 10,535,000 |
| First State Bank of Middlebury 111 S. MAIN STREET MIDDLEBURY, IN 46540 |
* | $ n/a | 30 | $ 10,150,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ n/a | 24 | $ 4,230,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 20 | $ 2,150,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 20 | $ 5,050,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 19 | $ 3,705,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ n/a | 19 | $ 1,885,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 19 | $ 3,575,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 18 | $ 1,770,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 18 | $ 3,350,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 17 | $ 875,000 |
| Sturgis Bank & Trust 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ n/a | 15 | $ 1,475,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 14 | $ 2,370,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ n/a | 14 | $ 1,240,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 14 | $ 810,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 14 | $ 3,270,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 13 | $ 1,905,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 13 | $ 3,275,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ n/a | 12 | $ 2,620,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 12 | $ 1,350,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 12 | $ 1,280,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 11 | $ 2,045,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 11 | $ 2,235,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,900,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 9 | $ 2,115,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ n/a | 9 | $ 1,835,000 |
| Omni Community Credit Union BATTLE CREEK, MI 49015 |
* | $ n/a | 9 | $ 875,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 9 | $ 915,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 2,090,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 1,225,000 |
| First Federal Savings Bank P.O. BOX 527 ROCHESTER, IN 46975 |
* | $ n/a | 7 | $ 1,415,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 7 | $ 1,345,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 1,145,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 1,545,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ n/a | 7 | $ 1,155,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 6 | $ 570,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 6 | $ 1,160,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ n/a | 6 | $ 1,440,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ n/a | 5 | $ 1,565,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 5 | $ 585,000 |
| Zippy Loans, LLC 2807 ALLEN ST DALLAS, TX 75204 |
* | $ n/a | 5 | $ 165,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 5 | $ 515,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 440,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 670,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ n/a | 4 | $ 530,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 4 | $ 890,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 4 | $ 570,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 900,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 4 | $ 140,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 680,000 |
| Garrett State Bank 120 WEST KING STREET, P.O. BOX 29 GARRETT, IN 46738 |
* | $ n/a | 3 | $ 365,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 345,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 3 | $ 815,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ n/a | 3 | $ 585,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ n/a | 3 | $ 955,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 3 | $ 695,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 3 | $ 375,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 665,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ n/a | 3 | $ 855,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 3 | $ 135,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 2 | $ 440,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 430,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 220,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 2 | $ 330,000 |
| Inova Federal Credit Union 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ n/a | 2 | $ 240,000 |
| Fire Police City County Federa 3306 N. CLINTON STREET FORT WAYNE, IN 46805 |
* | $ n/a | 2 | $ 280,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ n/a | 2 | $ 1,060,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ n/a | 2 | $ 330,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 2 | $ 540,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 2 | $ 170,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 2 | $ 100,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 440,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 240,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 2 | $ 330,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 560,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 2 | $ 330,000 |
| Farmers and Merchants Bank 6464 MERCHANTS DR LAOTTO, IN 46763 |
* | $ n/a | 2 | $ 490,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 550,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 970,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 700,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 615,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 105,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 855,000 |
| Veritas Funding, LLC MORGUN HALL MIDVALE, UT 84047 |
* | $ n/a | 1 | $ 455,000 |
| Notre Dame Federal Credit Union P.O. BOX 7878 NOTRE DAME, IN 46556 |
* | $ n/a | 1 | $ 165,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ n/a | 1 | $ 185,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 95,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 1 | $ 25,000 |
| United Home Loans, Inc. 1023 BURLINGTON AVE WESTERN SPRINGS, IL 60558 |
* | $ n/a | 1 | $ 325,000 |
| Fay Servicing LLC TAMPA, FL 33609 |
* | $ n/a | 1 | $ 115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 195,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 245,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 345,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 215,000 |
| Ameritrust Mortgage Corporation FLOWER MOUND, TX 75022 |
* | $ n/a | 1 | $ 215,000 |
| Raymond James Bank 710 CARILLON PARKWAY SAINT PETERSBURG, FL 33716 |
* | $ n/a | 1 | $ 225,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 115,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 1 | $ 15,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 135,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 195,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ n/a | 1 | $ 455,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ n/a | 1 | $ 25,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ n/a | 1 | $ 135,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 65,000 |
| Crossroads Bank 1205 N CASS ST PO BOX 259 WABASH, IN 46992 |
* | $ n/a | 1 | $ 365,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 25,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ n/a | 1 | $ 205,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 115,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 155,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 95,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 215,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 365,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 175,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 115,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 215,000 |
| First Bank of Berne 222 HERTIGIAGE TR BERNE, IN 46711 |
* | $ n/a | 1 | $ 205,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ n/a | 1 | $ 155,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 1 | $ 325,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ n/a | 1 | $ 145,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ n/a | 1 | $ 55,000 |
| Financial Center First Credit Union 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ n/a | 1 | $ 65,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 55,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ n/a | 1 | $ 245,000 |
| Redwood Residential Acquisition Corporation 1 BELVEDERE PLACE MILL VALLEY, CA 94951 |
* | $ n/a | 1 | $ 15,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 375,000 |
The tables below break down 2025 mortgage applications in LaGrange 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 LaGrange County, IN in 2025
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 | 593 | $152,815,000 | $257,000 | $1,055,000 | $123,000 | $2,916,000 |
| Refinancing | 307 | $55,455,000 | $180,000 | $805,000 | $112,000 | $1,649,000 |
| Cash-out Refinancing | 221 | $39,885,000 | $180,000 | $1,405,000 | $90,000 | $599,000 |
| Other Purpose | 219 | $24,395,000 | $111,000 | $905,000 | $122,000 | $1,794,000 |
| Home Improvement | 166 | $14,770,000 | $88,000 | $855,000 | $102,000 | $1,242,000 |
| Not Applicable | 4 | $600,000 | $150,000 | $345,000 | $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 | 1,287 | $249,955,000 | $194,000 | $1,405,000 | $114,000 | $1,794,000 |
| Not applicable | 80 | $15,850,000 | $198,000 | $805,000 | $104,000 | $318,000 |
| Not Provided | 70 | $11,270,000 | $161,000 | $765,000 | $132,000 | $2,916,000 |
| Hispanic | 62 | $9,510,000 | $153,000 | $345,000 | $87,000 | $416,000 |
| American Indian or Alaskan Native | 6 | $500,000 | $83,000 | $225,000 | $41,000 | $96,000 |
| Black or African American | 3 | $525,000 | $175,000 | $325,000 | $77,000 | $130,000 |
| Asian | 2 | $310,000 | $155,000 | $285,000 | $93,000 | $93,000 |
| 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) | 1,333 | $251,965,000 | $189,000 | $1,405,000 | $118,000 | $2,916,000 |
| FHA-insured (Federal Housing Administration) | 144 | $28,830,000 | $200,000 | $505,000 | $66,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 28 | $6,180,000 | $220,000 | $385,000 | $68,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $945,000 | $189,000 | $225,000 | $74,000 | $87,000 |
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 | 965 | $189,705,000 | $196,000 | $1,055,000 | $119,000 | $1,242,000 |
| Application Denied By Financial Institution | 220 | $32,330,000 | $146,000 | $605,000 | $98,000 | $2,916,000 |
| Application Withdrawn By Applicant | 130 | $26,770,000 | $205,000 | $705,000 | $110,000 | $1,794,000 |
| Loan Purchased By The Institution | 87 | $16,775,000 | $192,000 | $605,000 | $101,000 | $318,000 |
| Application Approved But Not Accepted | 50 | $7,160,000 | $143,000 | $625,000 | $108,000 | $978,000 |
| File Closed For Incompleteness | 42 | $10,480,000 | $249,000 | $1,405,000 | $110,000 | $943,000 |
| Preapproval Approved but not Accepted | 14 | $4,070,000 | $290,000 | $365,000 | $109,000 | $366,000 |
| Preapproval Denied by Financial Institution | 2 | $630,000 | $315,000 | $485,000 | $53,000 | $93,000 |
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 | 1,227 | $236,155,000 | $192,000 | $1,405,000 | $115,000 | $1,794,000 |
| Debt-To-Income Ratio | 124 | $31,950,000 | $257,000 | $865,000 | $105,000 | $943,000 |
| Credit History | 61 | $5,835,000 | $95,000 | $345,000 | $75,000 | $400,000 |
| Collateral | 50 | $6,730,000 | $134,000 | $455,000 | $87,000 | $321,000 |
| Credit Application Incomplete | 21 | $3,065,000 | $145,000 | $495,000 | $206,000 | $2,916,000 |
| Other | 16 | $2,610,000 | $163,000 | $485,000 | $204,000 | $1,649,000 |
| Unverifiable Information | 6 | $940,000 | $156,000 | $205,000 | $103,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $430,000 | $107,000 | $165,000 | $54,000 | $69,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $41,000 | $41,000 |
| 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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