Lawrence County, IN Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 2,123 mortgage applications in Lawrence County, IN totaling $343.4 million, up 16% from 2024. The average application was for $161,000, and applicants reported an average income of $89,000. 55% of applications resulted in an originated loan and 16% were denied. The most active lender was Hoosier Hills Credit Union, with 272 applications, followed by CMG Mortgage Inc and Ruoff Mortgage Company.

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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 2,123
Total Mortgage Loan Application Amount $343,365,000
Average Mortgage Loan Application Amount $161,000
Highest Mortgage Loan Application Amount $1,255,000
Average Applicant Income $89,000
Highest Applicant Income $2,900,000

Mortgage Company List for Lending in Lawrence County, IN for 2025

* 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
Hoosier Hills Credit Union
630 LINCOLN AVE
BEDFORD, IN 47421
* $ n/a 272 $ 30,070,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 161 $ 30,895,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 114 $ 23,010,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 96 $ 20,210,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ n/a 71 $ 9,185,000
Jackson County Bank
125 S CHESTNUT ST
SEYMOUR, IN 47274
* $ n/a 69 $ 10,785,000
Indiana University CU
PO BOX 368
BLOOMINGTON, IN 47401
* $ n/a 66 $ 6,770,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 58 $ 15,530,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 52 $ 12,600,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 44 $ 8,760,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 41 $ 8,525,000
Crane Credit Union
1 WEST GATE DRIVE
ODON, IN 47562
* $ n/a 39 $ 3,435,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 36 $ 5,920,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 35 $ 5,065,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 30 $ 3,180,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 29 $ 3,485,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 29 $ 4,515,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 26 $ 3,940,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 26 $ 5,540,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 26 $ 3,100,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 26 $ 2,660,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 25 $ 2,835,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 25 $ 3,195,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 25 $ 2,655,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ n/a 24 $ 3,410,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 22 $ 4,550,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 21 $ 3,945,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 20 $ 3,710,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 19 $ 3,085,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 18 $ 4,390,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 17 $ 1,705,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 17 $ 2,545,000
The Poples State Bank
601 E TEMPERANCE ST
ELLETTSVILLE, IN 47429
* $ n/a 15 $ 2,595,000
Owen County State Bank
201 W MORGAN ST
SPENCER, IN 47460
* $ n/a 14 $ 2,510,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 12 $ 1,100,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ n/a 11 $ 1,185,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 11 $ 2,055,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 10 $ 820,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 9 $ 1,395,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 9 $ 1,725,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 9 $ 1,385,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 9 $ 1,915,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 9 $ 1,225,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 9 $ 215,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ n/a 9 $ 945,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 8 $ 1,410,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 8 $ 940,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 8 $ 1,600,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 520,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ n/a 8 $ 1,410,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 7 $ 1,065,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 7 $ 2,195,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ n/a 7 $ 1,025,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 7 $ 1,265,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 7 $ 715,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 1,245,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 7 $ 1,585,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 7 $ 1,045,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 6 $ 1,040,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 6 $ 1,090,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 5 $ 905,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 5 $ 1,885,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 5 $ 815,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 5 $ 895,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 1,245,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 5 $ 1,335,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,145,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 4 $ 280,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 4 $ 470,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 4 $ 960,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 4 $ 230,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ n/a 4 $ 640,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 960,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 410,000
Milestone Home Lending, LLC
1100 VIRGINIA DRIVE, SUITE 125
FORT WASHINGTON, PA 19034
* $ n/a 4 $ 760,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 4 $ 670,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 4 $ 540,000
Farmers & Mechanics
225 EAST MAIN STREET
BLOOMFIELD, IN 47424
* $ n/a 4 $ 240,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 3 $ 445,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 3 $ 385,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 295,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 3 $ 555,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 3 $ 455,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 3 $ 175,000
Financial Center First Credit Union
7101 E 56TH STREET
INDIANAPOLIS, IN 46226
* $ n/a 3 $ 565,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 675,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 3 $ 645,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 655,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 3 $ 665,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 3 $ 655,000
Home Bank SB
PO BOX 1677
MARTINSVILLE, IN 46151
* $ n/a 3 $ 765,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ n/a 3 $ 135,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 3 $ 195,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 2 $ 170,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 380,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 2 $ 290,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 2 $ 470,000
Mjw Financial LLC dba Mjw Mortgage
8465 KEYSTONE CROSSING #145
INDIANAPOLIS, IN 46240
* $ n/a 2 $ 890,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 440,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 2 $ 480,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 560,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 2 $ 380,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 2 $ 560,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ n/a 2 $ 270,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 420,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 440,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 2 $ 190,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 2 $ 200,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 2 $ 330,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 2 $ 300,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 2 $ 840,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 2 $ 380,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ n/a 1 $ 195,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 255,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 195,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 1 $ 75,000
Aafmaa Mortgage Services LLC
2000 REGENCY PARKWAY SUITE 140
CARY, NC 27518
* $ n/a 1 $ 185,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 55,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 195,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 165,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 135,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ n/a 1 $ 335,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 255,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 65,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 1 $ 95,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 65,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 205,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 1 $ 155,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ n/a 1 $ 215,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 155,000
Southpoint Financial Credit Union
924 MAIN STREET E
SLEEPY EYE, MN 56085
* $ n/a 1 $ 305,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ n/a 1 $ 215,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 25,000
Sente Mortgage, Inc.
4520 BURNET ROAD
AUSTIN, TX 78756
* $ n/a 1 $ 165,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ n/a 1 $ 275,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ n/a 1 $ 185,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 225,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 65,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ n/a 1 $ 215,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 215,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 65,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 265,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 145,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 135,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 1 $ 45,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ n/a 1 $ 175,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 155,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 305,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 395,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ n/a 1 $ 305,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 185,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 1 $ 85,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 75,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ n/a 1 $ 255,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 235,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 185,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 225,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 155,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ n/a 1 $ 55,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 75,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ n/a 1 $ 1,255,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 15,000

The tables below break down 2025 mortgage applications in Lawrence 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 Lawrence 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 927 $179,785,000 $193,000 $1,255,000 $83,000 $452,000
Cash-out Refinancing 520 $74,500,000 $143,000 $875,000 $87,000 $1,672,000
Refinancing 311 $59,915,000 $192,000 $825,000 $102,000 $2,000,000
Home Improvement 183 $14,245,000 $77,000 $405,000 $93,000 $378,000
Other Purpose 174 $13,970,000 $80,000 $835,000 $101,000 $2,900,000
Not Applicable 8 $950,000 $118,000 $245,000 $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 1,670 $258,760,000 $154,000 $1,255,000 $89,000 $2,900,000
Not applicable 199 $39,255,000 $197,000 $785,000 $83,000 $234,000
Not Provided 165 $28,205,000 $170,000 $835,000 $83,000 $504,000
Hispanic 49 $7,995,000 $163,000 $535,000 $89,000 $487,000
American Indian or Alaskan Native 18 $3,990,000 $221,000 $405,000 $88,000 $155,000
Black or African American 15 $3,225,000 $215,000 $405,000 $80,000 $179,000
Asian 7 $1,935,000 $276,000 $505,000 $78,000 $133,000
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) 1,304 $173,270,000 $132,000 $1,255,000 $95,000 $2,900,000
FHA-insured (Federal Housing Administration) 450 $85,460,000 $189,000 $535,000 $71,000 $314,000
VA-guaranteed (Veterans Administration) 239 $65,445,000 $273,000 $855,000 $94,000 $291,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 130 $19,190,000 $147,000 $305,000 $67,000 $135,000

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 1,162 $188,210,000 $161,000 $1,255,000 $90,000 $1,672,000
Application Denied By Financial Institution 337 $40,395,000 $119,000 $605,000 $79,000 $2,000,000
Application Withdrawn By Applicant 237 $43,885,000 $185,000 $835,000 $100,000 $2,900,000
Loan Purchased By The Institution 218 $43,140,000 $197,000 $875,000 $78,000 $294,000
File Closed For Incompleteness 92 $15,370,000 $167,000 $705,000 $86,000 $849,000
Application Approved But Not Accepted 73 $11,745,000 $160,000 $385,000 $84,000 $242,000
Preapproval Approved but not Accepted 2 $200,000 $100,000 $115,000 $61,000 $61,000
Preapproval Denied by Financial Institution 2 $420,000 $210,000 $335,000 $56,000 $70,000

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 1,775 $301,095,000 $169,000 $1,255,000 $91,000 $2,900,000
Credit History 122 $13,070,000 $107,000 $485,000 $94,000 $2,000,000
Debt-To-Income Ratio 84 $11,010,000 $131,000 $605,000 $51,000 $190,000
Collateral 62 $8,360,000 $134,000 $435,000 $94,000 $277,000
Credit Application Incomplete 35 $3,885,000 $111,000 $345,000 $74,000 $222,000
Other 22 $2,820,000 $128,000 $415,000 $78,000 $164,000
Unverifiable Information 10 $1,070,000 $107,000 $225,000 $66,000 $146,000
Employment History 8 $830,000 $103,000 $235,000 $43,000 $85,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,225,000 $245,000 $365,000 $98,000 $114,000
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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