Lawrence County, IN Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,300 mortgage applications in Lawrence County, IN totaling $143.2 million, up 16% from 2014. The average application was for $110,000, and applicants reported an average income of $53,000. 49% of applications resulted in an originated loan and 19% were denied. The most active lender was Flanagan State Bank, with 142 applications, followed by Ruoff Mortgage Company and JPMorgan Chase Bank, NA.

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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 1,300
Total Mortgage Loan Application Amount $143,199,000
Average Mortgage Loan Application Amount $110,000
Highest Mortgage Loan Application Amount $1,018,000
Average Applicant Income $53,000
Highest Applicant Income $1,936,000

Mortgage Company List for Lending in Lawrence County, IN for 2015

* 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
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 166,793,000 142 $ 14,313,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ 10,000,000 77 $ 10,722,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 64 $ 6,603,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 7,873,796,000 59 $ 4,561,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 57 $ 6,246,000
Crane Federal Credit Union
1 WEST GATE DRIVE
ODON, IN 47562
* $ 421,673,000 54 $ 5,397,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 2,227,013,000 47 $ 6,660,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 44 $ 3,963,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 33 $ 3,093,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 31 $ 4,631,000
Jackson County Bank
125 S CHESTNUT ST
SEYMOUR, IN 47274
* $ 454,643,000 31 $ 3,029,000
Bloombank
48 N WASHINGTON ST
BLOOMFIELD, IN 47424
* $ 380,274,000 25 $ 1,722,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 25 $ 3,390,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 22 $ 2,208,000
Indiana University CU
PO BOX 368
BLOOMINGTON, IN 47401
* $ 780,557,000 22 $ 1,557,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ 2,915,000 20 $ 2,093,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 19 $ 2,261,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 118,801,412,000 19 $ 1,030,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 19 $ 1,809,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 18 $ 1,656,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 18 $ 1,862,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 15 $ 1,408,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 12 $ 1,416,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 12 $ 1,515,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 11 $ 875,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 11 $ 1,228,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,151,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 10 $ 1,236,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 10 $ 1,675,000
Acceptance Capital Mortgage
113 EAST MAGNESIUM RD, UNIT D
SPOKANE, WA 99208
* $ 12,414,000 10 $ 1,172,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 10 $ 1,153,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 9 $ 1,391,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 9 $ 832,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 8 $ 899,000
Our Community Bank
279 E MORGAN STREET
SPENCER, IN 47460
* $ 64,804,000 8 $ 654,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 8 $ 2,367,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,332,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 8 $ 1,053,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 601,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 618,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 2,107,751,000 6 $ 378,000
The Poples State Bank
601 E TEMPERANCE ST
ELLETTSVILLE, IN 47429
* $ 209,451,000 6 $ 1,196,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 6 $ 854,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 10,000,000 6 $ 615,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 6 $ 1,002,000
CU Channels
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 505,929,000 6 $ 609,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 3,124,382,000 6 $ 708,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 5 $ 725,000
Farmers and Mechanics Federal
225 E MAIN ST
BLOOMFIELD, IN 47424
* $ 69,400,000 5 $ 553,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 5 $ 451,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 493,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 66,111,039,000 5 $ 465,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 529,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,446,095,000 4 $ 642,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 312,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 4 $ 512,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 149,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 4 $ 510,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 3 $ 479,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 368,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 3 $ 315,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 3 $ 527,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 9,314,575,000 3 $ 50,000
Origin Bank

HOUSTON, TX 77024
* $ 3,713,197,000 3 $ 643,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 3 $ 509,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 3 $ 399,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 385,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 3 $ 195,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 403,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 221,000
Owen County State Bank
201 W MORGAN ST
SPENCER, IN 47460
* $ 181,003,000 3 $ 145,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 2 $ 49,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 2 $ 294,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 140,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 309,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 219,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,680,579,000 2 $ 276,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 2 $ 410,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 2 $ 146,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 2 $ 41,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 2 $ 147,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 136,279,317,000 2 $ 142,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 2 $ 194,000
Mid-Southern Savings Bank FSB
300 N WATER STREET
SALEM, IN 47167
* $ 193,885,000 2 $ 113,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 2,650,461,000 2 $ 169,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,281,397,000 2 $ 302,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 456,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 491,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 311,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ 10,000,000 2 $ 198,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 2 $ 245,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 2 $ 264,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 2 $ 239,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 160,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 2 $ 232,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 256,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ 10,000,000 1 $ 191,000
National Asset Mortgage, LLC
4350 ST. ANDREWS RD.; SUITE F
COLUMBIA, SC 29210
* $ 3,392,190,000 1 $ 34,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 344,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 79,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 85,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ 10,000,000 1 $ 274,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 109,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 120,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 191,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 214,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 85,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 214,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 150,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 185,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 1 $ 43,000
First Republic Mortgage
9120 OTIS AVE SUITE 201
INDIANAPOLIS, IN 46216
* $ 10,000,000 1 $ 216,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 1 $ 44,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 2,904,575,000 1 $ 134,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 7,197,993,000 1 $ 263,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 689,333,000 1 $ 58,000
Home Bank SB
PO BOX 1677
MARTINSVILLE, IN 46151
* $ 240,646,000 1 $ 40,000
BNC National Bank

BISMARCK, ND 58501
* $ 933,532,000 1 $ 160,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,663,901,000 1 $ 74,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 1,028,000 1 $ 98,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 132,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 168,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 123,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 44,281,869,000 1 $ 85,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 97,496,905,000 1 $ 14,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 1 $ 239,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 32,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,519,923,000 1 $ 96,000
Lnb Community Bank
215 MAIN STREET
LYNNVILLE, IN 47619
* $ 106,636,000 1 $ 94,000
R M K Financial Corp.
1819 S. EXCISE AVENUE
ONTARIO, CA 91761
* $ 16,639,000 1 $ 126,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 157,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 143,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 111,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 151,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 97,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 105,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 102,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 42,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 214,371,000 1 $ 25,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 1 $ 25,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 660,993,000 1 $ 33,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,229,885,000 1 $ 138,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 83,000

The tables below break down 2015 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 2015

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 634 $72,356,000 $114,000 $1,018,000 $48,000 $1,936,000
Refinancing 566 $66,611,000 $117,000 $368,000 $56,000 $734,000
Home Improvement 100 $4,232,000 $42,000 $311,000 $60,000 $352,000

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 1,049 $115,607,000 $110,000 $368,000 $58,000 $734,000
Not applicable 171 $18,565,000 $108,000 $551,000 $4,000 $174,000
Not Provided 50 $5,648,000 $112,000 $1,018,000 $104,000 $1,936,000
Hispanic 11 $888,000 $80,000 $160,000 $40,000 $81,000
Asian 10 $1,417,000 $141,000 $196,000 $29,000 $61,000
American Indian or Alaskan Native 6 $732,000 $122,000 $310,000 $68,000 $159,000
Native Hawaiian or Other Pacific Islander 3 $342,000 $114,000 $130,000 $36,000 $46,000
Black or African American 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) 632 $67,518,000 $106,000 $1,018,000 $68,000 $1,936,000
FHA-insured (Federal Housing Administration) 287 $31,408,000 $109,000 $276,000 $40,000 $186,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 209 $19,621,000 $93,000 $191,000 $26,000 $83,000
VA-guaranteed (Veterans Administration) 172 $24,652,000 $143,000 $368,000 $50,000 $198,000

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 631 $71,497,000 $113,000 $1,018,000 $63,000 $1,936,000
Application Denied By Financial Institution 250 $23,670,000 $94,000 $282,000 $53,000 $225,000
Loan Purchased By The Institution 223 $25,248,000 $113,000 $339,000 $17,000 $174,000
Application Withdrawn By Applicant 104 $12,148,000 $116,000 $344,000 $65,000 $734,000
Application Approved But Not Accepted 60 $6,560,000 $109,000 $364,000 $53,000 $143,000
File Closed For Incompleteness 30 $3,881,000 $129,000 $368,000 $45,000 $168,000
Preapproval Approved but not Accepted 1 $118,000 $118,000 $118,000 $27,000 $27,000
Preapproval Denied by Financial Institution 1 $77,000 $77,000 $77,000 $22,000 $22,000

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
Credit History 46 $3,369,000 $73,000 $271,000 $59,000 $225,000
Collateral 39 $3,542,000 $90,000 $209,000 $56,000 $122,000
Debt-To-Income Ratio 22 $1,696,000 $77,000 $230,000 $42,000 $90,000
Credit Application Incomplete 16 $1,874,000 $117,000 $282,000 $61,000 $189,000
Other 9 $996,000 $110,000 $264,000 $65,000 $163,000
Unverifiable Information 5 $459,000 $91,000 $156,000 $71,000 $141,000
Employment History 4 $251,000 $62,000 $110,000 $31,000 $46,000
Insufficient Cash (Downpayment, Closing Cost) 2 $212,000 $106,000 $115,000 $35,000 $36,000
Mortgage Insurance Denied 1 $83,000 $83,000 $83,000 $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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