Lawrence County, IN Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,879 mortgage applications in Lawrence County, IN totaling $194.6 million, about the same as 2008. The average application was for $103,000, and applicants reported an average income of $51,000. 43% of applications resulted in an originated loan and 20% were denied. The most active lender was JPMorgan Chase Bank, NA, with 194 applications, followed by Jackson County Bank and Embrace Home Loans, Inc..
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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 | 1,879 |
| Total Mortgage Loan Application Amount | $194,586,000 |
| Average Mortgage Loan Application Amount | $103,000 |
| Highest Mortgage Loan Application Amount | $490,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $960,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 194 | $ 20,758,000 |
| Jackson County Bank 125 S CHESTNUT ST SEYMOUR, IN 47274 |
* | $ 405,553,000 | 168 | $ 16,094,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 113 | $ 11,015,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 87 | $ 10,486,000 |
| Crane Federal Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 257,335,000 | 87 | $ 7,434,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 77 | $ 5,833,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 74 | $ 9,301,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 70 | $ 7,569,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 62 | $ 6,824,000 |
| Bloombank 48 N WASHINGTON ST BLOOMFIELD, IN 47424 |
* | $ 440,602,000 | 60 | $ 4,906,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 59 | $ 3,384,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 58 | $ 6,865,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 53 | $ 6,226,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 47 | $ 5,238,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 1,183,387,000 | 35 | $ 3,825,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 34 | $ 4,749,000 |
| Monroe Bank 210 EAST KIRKWOOD AVENUE BLOOMINGTON, IN 47408 |
* | $ 816,754,000 | 32 | $ 2,745,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 30 | $ 2,854,000 |
| United Commerce Bank 211 S COLLEGE AVE BLOOMINGTON, IN 47404 |
* | $ 180,276,000 | 25 | $ 2,274,000 |
| Indiana University CU PO BOX 368 BLOOMINGTON, IN 47401 |
* | $ 581,401,000 | 24 | $ 1,363,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 23 | $ 2,533,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 19 | $ 2,550,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 19 | $ 2,625,000 |
| The Poples State Bank 601 E TEMPERANCE ST ELLETTSVILLE, IN 47429 |
* | $ 226,092,000 | 17 | $ 1,870,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 16 | $ 1,983,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 14 | $ 1,569,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 14 | $ 1,808,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 14 | $ 1,820,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 13 | $ 1,642,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 13 | $ 1,837,000 |
| Owen Community Bank 279 E MORGAN STREET SPENCER, IN 47460 |
* | $ 71,091,000 | 13 | $ 910,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,712,867,000 | 13 | $ 637,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 12 | $ 769,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 12 | $ 1,260,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 11 | $ 1,675,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 11 | $ 1,207,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 10 | $ 1,109,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 9 | $ 1,010,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,357,964,000 | 9 | $ 985,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 9 | $ 1,219,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 9 | $ 1,494,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 9 | $ 958,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 8 | $ 1,037,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 833,000 |
| Citifinancial Services Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 8 | $ 530,000 |
| Indiana Bank and Trust Company PO BOX 648 COLUMBUS, IN 47274 |
* | $ 983,271,000 | 7 | $ 619,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 245,391,000 | 7 | $ 759,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 7 | $ 917,000 |
| Mid-Southern Savings Bank FSB 300 N WATER ST SALEM, IN 47167 |
* | $ 176,882,000 | 7 | $ 569,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 863,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 719,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 6 | $ 69,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 6 | $ 848,000 |
| Great Western Financial Services, Inc. 5408 W PLANO PKWY PLANO, TX 75093 |
* | $ 10,000,000 | 5 | $ 370,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 4 | $ 251,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 408,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 800,280,000 | 4 | $ 436,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 3 | $ 399,000 |
| First Harrison Bank 220 FEDERAL DRIVE CORYDON, IN 47112 |
* | $ 460,613,000 | 3 | $ 93,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,483,611,000 | 3 | $ 375,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 401,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 3 | $ 364,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 206,000 |
| Midwest Mortgage Capital, LLC 12400 OLIVE BLVD SAINT LOUIS, MO 63141 |
* | $ 2,000,000 | 2 | $ 249,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 253,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Winterwood Mortgage Group, LLC 107 N STATE ROAD 135, SUITE 301 GREENWOOD, IN 46142 |
* | $ 1,014,000 | 2 | $ 253,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 218,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 534,000 |
| First Republic Mortgage 9120 OTIS AVE SUITE 201 INDIANAPOLIS, IN 46216 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 2 | $ 81,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 4,445,830,000 | 2 | $ 275,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 2 | $ 181,000 |
| Irwin Union Bank 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,291,256,000 | 2 | $ 213,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 2 | $ 225,000 |
| First Savings Bank, FSB 501 E. LEWIS & CLARK PARKWAY CLARKSVILLE, IN 47129 |
* | $ 229,459,000 | 2 | $ 194,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 129,691,000 | 2 | $ 344,000 |
| Owen County State Bank 201 W MORGAN ST SPENCER, IN 47460 |
* | $ 176,832,000 | 2 | $ 79,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 78,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 2 | $ 154,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 1 | $ 100,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 1,876,010,000 | 1 | $ 100,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 18,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 542,847,000 | 1 | $ 188,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 1 | $ 122,000 |
| Raymond James Bank 710 CARILLON PKWY ST PETERSBURG, FL 33716 |
* | $ 9,457,854,000 | 1 | $ 92,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,706,972,000 | 1 | $ 48,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 529,592,000 | 1 | $ 116,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 1,678,956,000 | 1 | $ 208,000 |
| Heartland Community Bank 420 NORTH MORTON ST FRANKLIN, IN 46131 |
* | $ 229,999,000 | 1 | $ 44,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 66,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 199,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 77,029,703,000 | 1 | $ 111,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 30,786,926,000 | 1 | $ 80,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 2,041,199,000 | 1 | $ 97,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 164,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 150,000 |
| Seaside National Bank & Trust 201 S ORANGE AVE, STE 1350 ORLANDO, FL 32801 |
* | $ 367,296,000 | 1 | $ 79,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 1 | $ 27,000 |
| Salin Bank and Trust Company 8455 KEYSTONE CROSSING DR. INDIANAPOLIS, IN 46240 |
* | $ 776,124,000 | 1 | $ 50,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 103,000 |
| American Mortgage Specialists 16100 N GREENWAY HAYDEN LOOP STE 108 SCOTTSDALE, AZ 85260 |
* | $ 38,791,000 | 1 | $ 92,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 275,000 |
| Cgb Agri Financial Services 2209 RIVER ROAD LOUISVILLE, KY 40206 |
* | $ 433,538,000 | 1 | $ 137,000 |
| Peoples Home Equity 5205 MARYLAND WAY SUITE 100 BRENTWOOD, TN 37027 |
* | $ 1,065,000 | 1 | $ 167,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 1 | $ 118,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 112,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 88,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 1 | $ 90,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 1 | $ 40,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 373,000 |
| First Ohio Banc & Lending Inc 6100 ROCKSIDE WOODS BLVD INDEPENDENCE, OH 44131 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Stonegate Mortgage Corporation 10412 ALLISONVILLE ROAD SUITE 250 FISHERS, IN 46038 |
* | $ 1,855,000 | 1 | $ 99,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 1 | $ 79,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 64,000 |
| 1st Advantage Mortgage 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 110,000 |
| CU Channels 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 505,929,000 | 1 | $ 48,000 |
The tables below break down 2009 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 2009
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 | 1,189 | $136,354,000 | $114,000 | $490,000 | $55,000 | $960,000 |
| Home Purchase | 547 | $52,228,000 | $95,000 | $417,000 | $42,000 | $550,000 |
| Home Improvement | 143 | $6,004,000 | $41,000 | $325,000 | $55,000 | $181,000 |
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 | 1,521 | $157,236,000 | $103,000 | $490,000 | $55,000 | $550,000 |
| Not applicable | 209 | $21,200,000 | $101,000 | $417,000 | $12,000 | $105,000 |
| Not Provided | 109 | $11,838,000 | $108,000 | $417,000 | $52,000 | $257,000 |
| American Indian or Alaskan Native | 12 | $1,176,000 | $98,000 | $182,000 | $83,000 | $164,000 |
| Asian | 10 | $1,865,000 | $186,000 | $298,000 | $146,000 | $960,000 |
| Hispanic | 10 | $547,000 | $54,000 | $95,000 | $71,000 | $217,000 |
| Black or African American | 5 | $424,000 | $84,000 | $182,000 | $51,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $300,000 | $100,000 | $160,000 | $64,000 | $105,000 |
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) | 1,137 | $115,243,000 | $101,000 | $490,000 | $59,000 | $960,000 |
| FHA-insured (Federal Housing Administration) | 435 | $47,634,000 | $109,000 | $280,000 | $47,000 | $269,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 245 | $22,772,000 | $92,000 | $256,000 | $26,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 62 | $8,937,000 | $144,000 | $360,000 | $44,000 | $189,000 |
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 | 807 | $84,002,000 | $104,000 | $489,000 | $63,000 | $291,000 |
| Loan Purchased By The Institution | 380 | $40,722,000 | $107,000 | $417,000 | $20,000 | $174,000 |
| Application Denied By Financial Institution | 370 | $34,920,000 | $94,000 | $417,000 | $50,000 | $288,000 |
| Application Withdrawn By Applicant | 201 | $22,293,000 | $110,000 | $490,000 | $58,000 | $960,000 |
| Application Approved But Not Accepted | 82 | $8,314,000 | $101,000 | $360,000 | $69,000 | $550,000 |
| File Closed For Incompleteness | 39 | $4,335,000 | $111,000 | $276,000 | $46,000 | $137,000 |
| 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 | 82 | $4,304,000 | $52,000 | $215,000 | $45,000 | $117,000 |
| Collateral | 61 | $7,366,000 | $120,000 | $417,000 | $56,000 | $257,000 |
| Debt-To-Income Ratio | 54 | $4,539,000 | $84,000 | $331,000 | $38,000 | $167,000 |
| Credit Application Incomplete | 19 | $2,333,000 | $122,000 | $305,000 | $60,000 | $288,000 |
| Other | 14 | $1,706,000 | $121,000 | $331,000 | $77,000 | $175,000 |
| Unverifiable Information | 4 | $439,000 | $109,000 | $182,000 | $51,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $228,000 | $114,000 | $116,000 | $76,000 | $93,000 |
| Mortgage Insurance Denied | 1 | $57,000 | $57,000 | $57,000 | $0 | $0 |
| Employment History | 1 | $123,000 | $123,000 | $123,000 | $50,000 | $50,000 |
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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