Lawrence County, OH Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 2,456 mortgage applications in Lawrence County, OH totaling $251.4 million, down 7% from 2010. The average application was for $102,000, and applicants reported an average income of $63,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was City National Bank of Wv, with 286 applications, followed by US Bk NA Nd and Desco Federal Credit Union.
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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 | 2,456 |
| Total Mortgage Loan Application Amount | $251,352,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $963,000 |
* 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 |
|---|---|---|---|---|
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,613,220,000 | 286 | $ 24,011,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 189 | $ 13,456,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 242,954,000 | 168 | $ 15,362,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 143 | $ 9,874,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 106 | $ 14,272,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 105 | $ 12,012,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 95 | $ 10,806,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 91 | $ 10,571,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 80 | $ 12,372,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 75 | $ 7,114,000 |
| Ohio River Bank 221 RAILROAD STREET IRONTON, OH 45638 |
* | $ 94,652,000 | 72 | $ 5,577,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 68 | $ 8,527,000 |
| Liberty Bank 314 PARK AVENUE IRONTON, OH 45638 |
* | $ 53,052,000 | 64 | $ 4,177,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 5,348,107,000 | 63 | $ 3,915,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 59 | $ 3,756,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 53 | $ 6,415,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 52 | $ 8,436,000 |
| Huntington Federal Savings Bank 1049 5TH AVE HUNTINGTON, WV 25701 |
* | $ 485,305,000 | 50 | $ 5,848,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 44 | $ 4,733,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 25 | $ 3,527,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,147,152,000 | 20 | $ 1,835,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ 135,517,000 | 20 | $ 1,453,000 |
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 841,306,000 | 19 | $ 1,088,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 247,938,000 | 17 | $ 3,215,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 1,912,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,830,322,000 | 17 | $ 1,906,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 16 | $ 1,964,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 199,980,000 | 15 | $ 1,517,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 14 | $ 2,095,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 13 | $ 1,228,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 12 | $ 1,575,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 12 | $ 761,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 11 | $ 1,560,000 |
| Town Square Bank 1500 CARTER AVENUE ASHLAND, KY 41105 |
* | $ 287,604,000 | 11 | $ 973,000 |
| First Priority Federal Credit Union 9408 VIRGINIA AVE HUNTINGTON, WV 25701 |
* | $ 49,971,000 | 11 | $ 794,000 |
| First Sentry Bank, Inc. 823 EIGHTH STREET HUNTINGTON, WV 25701 |
* | $ 490,689,000 | 10 | $ 1,841,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,465,028,000 | 10 | $ 1,180,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 10 | $ 864,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 10 | $ 1,482,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 9 | $ 1,244,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 9 | $ 1,225,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 1,407,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 9 | $ 1,657,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 9 | $ 1,419,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 8 | $ 348,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 977,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 8 | $ 755,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 8 | $ 974,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 7 | $ 723,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 6 | $ 720,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 1,344,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 6 | $ 929,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 816,770,000 | 6 | $ 845,000 |
| Town Square Bank Inc PO BOX 2289 ASHLAND, KY 41105 |
* | $ 168,808,000 | 6 | $ 359,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 5 | $ 830,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 5 | $ 604,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 5 | $ 720,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 5 | $ 534,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 5 | $ 518,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 211,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 577,869,000 | 4 | $ 735,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 4 | $ 238,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 580,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 498,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 4 | $ 291,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 4 | $ 377,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 174,229,000 | 3 | $ 65,000 |
| The Milton Banking Company 123 S. OHIO AVE WELLSTON, OH 45692 |
* | $ 125,729,000 | 3 | $ 135,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 3 | $ 448,000 |
| Wcs Lending, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 3 | $ 349,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 271,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 3 | $ 470,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 359,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 3 | $ 371,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 341,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 2 | $ 50,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 264,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 217,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 2 | $ 299,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 2 | $ 384,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 270,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 152,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 2 | $ 212,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 149,362,000 | 2 | $ 153,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 998,891,000 | 2 | $ 230,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 2 | $ 170,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 2 | $ 477,000 |
| Putnam County Bank P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 561,274,000 | 2 | $ 483,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 140,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 67,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 31,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 790,289,000 | 1 | $ 138,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 540,392,000 | 1 | $ 95,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,469,196,000 | 1 | $ 84,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ 164,067,000 | 1 | $ 97,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 140,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 154,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,166,000 | 1 | $ 80,000 |
| American Savings Bank, FSB 503 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 231,356,000 | 1 | $ 52,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 71,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 69,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,444,690,000 | 1 | $ 169,000 |
| Member Power Services Group 5665 N HAMILTON RD SUITE D COLUMBUS, OH 43231 |
* | $ 46,759,000 | 1 | $ 70,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 124,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 593,579,000 | 1 | $ 94,000 |
| Cheviot Savings Bank 3723 GLENMORE AVE CINCINNATI, OH 45211 |
* | $ 354,696,000 | 1 | $ 122,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,124,635,000 | 1 | $ 55,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 502,376,000 | 1 | $ 84,000 |
| Guaranteed Home Mortgage Compa 108 CORPORATE PARK DRIVE - SUITE 301 WHITE PLAINS, NY 10604 |
* | $ 10,000,000 | 1 | $ 108,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 165,000 |
| Intercontinental Capital Group, Inc 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ 15,180,000 | 1 | $ 133,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 191,000 |
| Everett Financial Inc. 14801 QUORUM DR SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 196,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 41,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 186,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 128,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 177,000 |
| Developer's Mortgage Company 2700 E DUBLIN GRANVILLE RD SUITE 460 COLUMBUS, OH 43219 |
* | $ 10,000,000 | 1 | $ 183,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 1 | $ 202,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 116,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,237,352,000 | 1 | $ 6,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 102,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 157,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 36,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 1 | $ 10,000 |
| E*Trade Savings Bank 671 N. GLEBE RD 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 1,550,836,000 | 1 | $ 56,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 97,000 |
The tables below break down 2011 mortgage applications in Lawrence County, OH 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, OH in 2011
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 | 1,441 | $156,934,000 | $108,000 | $883,000 | $65,000 | $657,000 |
| Home Purchase | 725 | $82,938,000 | $114,000 | $1,700,000 | $63,000 | $963,000 |
| Home Improvement | 290 | $11,480,000 | $39,000 | $284,000 | $50,000 | $167,000 |
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 | 2,117 | $214,094,000 | $101,000 | $1,700,000 | $64,000 | $963,000 |
| Not Provided | 182 | $17,289,000 | $94,000 | $540,000 | $65,000 | $400,000 |
| Not applicable | 91 | $12,884,000 | $141,000 | $600,000 | $19,000 | $487,000 |
| Black or African American | 34 | $3,369,000 | $99,000 | $396,000 | $72,000 | $360,000 |
| Asian | 12 | $1,912,000 | $159,000 | $540,000 | $111,000 | $362,000 |
| Hispanic | 11 | $1,061,000 | $96,000 | $191,000 | $50,000 | $68,000 |
| American Indian or Alaskan Native | 5 | $514,000 | $102,000 | $133,000 | $43,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $229,000 | $57,000 | $72,000 | $41,000 | $53,000 |
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) | 1,932 | $190,908,000 | $98,000 | $1,700,000 | $67,000 | $963,000 |
| FHA-insured (Federal Housing Administration) | 340 | $38,495,000 | $113,000 | $270,000 | $44,000 | $295,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $10,126,000 | $106,000 | $218,000 | $40,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 89 | $11,823,000 | $132,000 | $292,000 | $61,000 | $220,000 |
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 | 1,233 | $127,429,000 | $103,000 | $1,700,000 | $67,000 | $963,000 |
| Application Denied By Financial Institution | 622 | $53,204,000 | $85,000 | $811,000 | $54,000 | $280,000 |
| Loan Purchased By The Institution | 234 | $28,709,000 | $122,000 | $416,000 | $46,000 | $657,000 |
| Application Approved But Not Accepted | 171 | $16,742,000 | $97,000 | $733,000 | $77,000 | $525,000 |
| Application Withdrawn By Applicant | 139 | $17,768,000 | $127,000 | $995,000 | $73,000 | $960,000 |
| File Closed For Incompleteness | 57 | $7,500,000 | $131,000 | $825,000 | $70,000 | $276,000 |
| 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 | 197 | $13,645,000 | $69,000 | $595,000 | $52,000 | $228,000 |
| Collateral | 114 | $13,047,000 | $114,000 | $811,000 | $74,000 | $240,000 |
| Debt-To-Income Ratio | 84 | $7,779,000 | $92,000 | $417,000 | $39,000 | $145,000 |
| Credit Application Incomplete | 52 | $5,814,000 | $111,000 | $279,000 | $56,000 | $147,000 |
| Other | 41 | $3,332,000 | $81,000 | $200,000 | $53,000 | $193,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $1,278,000 | $79,000 | $250,000 | $56,000 | $109,000 |
| Employment History | 9 | $641,000 | $71,000 | $156,000 | $38,000 | $78,000 |
| Unverifiable Information | 8 | $720,000 | $90,000 | $210,000 | $90,000 | $280,000 |
| 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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