Ally Bank Mortgage Lending & HMDA Data, 2025
In 2025, Ally Bank of Charlotte, NC reported 768 mortgage applications totaling $523.7 million, down 88% from 2024. The average application was for $681,835, and applicants reported an average income of $176,779. 35% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (19), New York-Jersey City-White Plains, NY-NJ (13) and Chicago-Naperville, IL (11) (applications in parentheses).
| Mortgage Company & Address | Ally Bank Charlotte, NC 28202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 768 |
| Total Mortgage Loan Application Amount | $523,650,000 |
| Average Mortgage Loan Application Amount | $681,835 |
| Highest Mortgage Loan Application Amount | $70,005,000 |
| Average Applicant Income | $176,779 |
| Highest Applicant Income | $7,594,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ally Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 250 | $ 98,480,000 | $ 393,920 | $ 155,804 |
| Houston-The Woodlands-Sugar Land, TX | 19 | $ 5,785,000 | $ 304,473 | $ 185,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 6,445,000 | $ 495,769 | $ 220,230 |
| Chicago-Naperville, IL | 11 | $ 3,375,000 | $ 306,818 | $ 131,000 |
| Dallas-Plano-Irving, TX | 11 | $ 4,825,000 | $ 438,636 | $ 157,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 5,990,000 | $ 599,000 | $ 182,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 5,080,000 | $ 508,000 | $ 254,000 |
| Provo-Orem, UT | 10 | $ 3,490,000 | $ 349,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 9 | $ 4,365,000 | $ 485,000 | $ 285,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 54,110,000 | $ 6,763,750 | $ 308,000 |
| Newark, NJ-PA | 8 | $ 4,610,000 | $ 576,250 | $ 198,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 1,990,000 | $ 248,750 | $ 91,000 |
| Raleigh, NC | 8 | $ 2,720,000 | $ 340,000 | $ 206,000 |
| Salt Lake City, UT | 8 | $ 2,710,000 | $ 338,750 | $ 0 |
| Ogden-Clearfield, UT | 7 | $ 2,795,000 | $ 399,285 | $ 264,000 |
| Pittsburgh, PA | 7 | $ 1,035,000 | $ 147,857 | $ 97,000 |
| Austin-Round Rock, TX | 6 | $ 3,590,000 | $ 598,333 | $ 236,000 |
| Cambridge-Newton-Framingham, MA | 6 | $ 5,500,000 | $ 916,666 | $ 379,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 2,860,000 | $ 476,666 | $ 179,000 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 59,220,000 | $ 9,870,000 | $ 201,000 |
| Nassau County-Suffolk County, NY | 6 | $ 10,100,000 | $ 1,683,333 | $ 121,000 |
| Oakland-Hayward-Berkeley, CA | 6 | $ 3,440,000 | $ 573,333 | $ 253,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 3,020,000 | $ 503,333 | $ 142,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 49,505,000 | $ 9,901,000 | $ 161,400 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 775,000 | $ 155,000 | $ 64,000 |
| Fort Worth-Arlington, TX | 5 | $ 2,170,000 | $ 434,000 | $ 244,000 |
| Knoxville, TN | 5 | $ 2,195,000 | $ 439,000 | $ 213,000 |
| Midland, TX | 5 | $ 1,765,000 | $ 353,000 | $ 296,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 1,275,000 | $ 255,000 | $ 138,000 |
| Albuquerque, NM | 4 | $ 1,550,000 | $ 387,500 | $ 140,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,250,000 | $ 562,500 | $ 246,000 |
| Asheville, NC | 4 | $ 1,790,000 | $ 447,500 | $ 147,000 |
| Birmingham-Hoover, AL | 4 | $ 480,000 | $ 120,000 | $ 95,000 |
| Cincinnati, OH-KY-IN | 4 | $ 1,110,000 | $ 277,500 | $ 174,500 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 1,530,000 | $ 382,500 | $ 157,000 |
| Lakewood-New Brunswick, NJ | 4 | $ 2,490,000 | $ 622,500 | $ 507,000 |
| Lancaster, PA | 4 | $ 70,450,000 | $ 17,612,500 | $ 84,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,580,000 | $ 395,000 | $ 191,750 |
| Memphis, TN-MS-AR | 4 | $ 590,000 | $ 147,500 | $ 84,000 |
| Oklahoma City, OK | 4 | $ 1,070,000 | $ 267,500 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,750,000 | $ 437,500 | $ 134,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 4 | $ 1,590,000 | $ 397,500 | $ 186,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,490,000 | $ 372,500 | $ 176,000 |
| Washington, DC-MD | 4 | $ 2,050,000 | $ 512,500 | $ 177,250 |
| Arlington-Alexandria-Reston, VA-WV | 3 | $ 1,355,000 | $ 451,666 | $ 256,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 1,255,000 | $ 418,333 | $ 170,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 505,000 | $ 168,333 | $ 14,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 885,000 | $ 295,000 | $ 232,000 |
| Corpus Christi, TX | 3 | $ 395,000 | $ 131,666 | $ 86,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 325,000 | $ 108,333 | $ 61,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,245,000 | $ 415,000 | $ 130,000 |
| Durham-Chapel Hill, NC | 3 | $ 865,000 | $ 288,333 | $ 171,000 |
| Erie, PA | 3 | $ 575,000 | $ 191,666 | $ 80,000 |
| Fort Collins, CO | 3 | $ 1,815,000 | $ 605,000 | $ 236,000 |
| Glens Falls, NY | 3 | $ 655,000 | $ 218,333 | $ 2,589,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 735,000 | $ 245,000 | $ 105,000 |
| Jacksonville, FL | 3 | $ 1,245,000 | $ 415,000 | $ 315,000 |
| Kansas City, MO-KS | 3 | $ 845,000 | $ 281,666 | $ 275,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 1,435,000 | $ 478,333 | $ 221,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 915,000 | $ 305,000 | $ 206,000 |
| New Haven-Milford, CT | 3 | $ 985,000 | $ 328,333 | $ 143,000 |
| Ocala, FL | 3 | $ 505,000 | $ 168,333 | $ 150,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 2,385,000 | $ 795,000 | $ 333,000 |
| Philadelphia, PA | 3 | $ 705,000 | $ 235,000 | $ 158,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 995,000 | $ 331,666 | $ 162,333 |
| St. Louis, MO-IL | 3 | $ 755,000 | $ 251,666 | $ 125,666 |
| Toledo, OH | 3 | $ 895,000 | $ 298,333 | $ 103,000 |
| Tulsa, OK | 3 | $ 955,000 | $ 318,333 | $ 176,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,255,000 | $ 418,333 | $ 133,000 |
| Worcester, MA-CT | 3 | $ 1,165,000 | $ 388,333 | $ 172,000 |
| Akron, OH | 2 | $ 330,000 | $ 165,000 | $ 120,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 920,000 | $ 460,000 | $ 15,000 |
| Baton Rouge, LA | 2 | $ 250,000 | $ 125,000 | $ 63,000 |
| Bloomington, IN | 2 | $ 610,000 | $ 305,000 | $ 177,000 |
| Burlington-South Burlington, VT | 2 | $ 1,280,000 | $ 640,000 | $ 234,000 |
| Cleveland, OH | 2 | $ 430,000 | $ 215,000 | $ 153,000 |
| Colorado Springs, CO | 2 | $ 450,000 | $ 225,000 | $ 95,000 |
| Columbus, OH | 2 | $ 420,000 | $ 210,000 | $ 117,000 |
| Des Moines-West Des Moines, IA | 2 | $ 760,000 | $ 380,000 | $ 102,000 |
| Everett, WA | 2 | $ 1,110,000 | $ 555,000 | $ 228,000 |
| Greeley, CO | 2 | $ 670,000 | $ 335,000 | $ 87,000 |
| Greensboro-High Point, NC | 2 | $ 970,000 | $ 485,000 | $ 172,000 |
| Greenville, NC | 2 | $ 570,000 | $ 285,000 | $ 145,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 700,000 | $ 350,000 | $ 183,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 760,000 | $ 380,000 | $ 190,000 |
| Jackson, MS | 2 | $ 540,000 | $ 270,000 | $ 82,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 2 | $ 570,000 | $ 285,000 | $ 130,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 470,000 | $ 235,000 | $ 67,000 |
| Lakeland-Winter Haven, FL | 2 | $ 340,000 | $ 170,000 | $ 301,000 |
| Lexington-Fayette, KY | 2 | $ 470,000 | $ 235,000 | $ 147,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 250,000 | $ 125,000 | $ 126,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 410,000 | $ 205,000 | $ 57,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 390,000 | $ 195,000 | $ 257,000 |
| New Orleans-Metairie, LA | 2 | $ 360,000 | $ 180,000 | $ 87,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 360,000 | $ 180,000 | $ 58,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,880,000 | $ 940,000 | $ 275,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 2,010,000 | $ 1,005,000 | $ 264,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 880,000 | $ 440,000 | $ 188,000 |
| Sebring, FL | 2 | $ 410,000 | $ 205,000 | $ 133,000 |
| Springfield, IL | 2 | $ 330,000 | $ 165,000 | $ 79,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 1,570,000 | $ 785,000 | $ 334,000 |
| Stockton-Lodi, CA | 2 | $ 1,200,000 | $ 600,000 | $ 208,000 |
| Tacoma-Lakewood, WA | 2 | $ 860,000 | $ 430,000 | $ 234,000 |
| Tampa, FL | 2 | $ 740,000 | $ 370,000 | $ 147,000 |
| Waterbury-Shelton, CT | 2 | $ 640,000 | $ 320,000 | $ 125,000 |
| Winston-Salem, NC | 2 | $ 330,000 | $ 165,000 | $ 133,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 280,000 | $ 140,000 | $ 100,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 95,000 | $ 95,000 | $ 298,000 |
| Altoona, PA | 1 | $ 85,000 | $ 85,000 | $ 112,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Bangor, ME | 1 | $ 285,000 | $ 285,000 | $ 134,000 |
| Barnstable Town, MA | 1 | $ 1,175,000 | $ 1,175,000 | $ 420,000 |
| Battle Creek, MI | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Binghamton, NY | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Boston, MA | 1 | $ 415,000 | $ 415,000 | $ 256,000 |
| Bozeman, MT | 1 | $ 555,000 | $ 555,000 | $ 140,000 |
| Bremerton-Silverdale, WA | 1 | $ 85,000 | $ 85,000 | $ 67,000 |
| Brownsville-Harlingen, TX | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Camden, NJ | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Charleston, WV | 1 | $ 355,000 | $ 355,000 | $ 122,000 |
| Chattanooga, TN-GA | 1 | $ 315,000 | $ 315,000 | $ 82,000 |
| Cheyenne, WY | 1 | $ 315,000 | $ 315,000 | $ 75,000 |
| Chico, CA | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Clarksville, TN-KY | 1 | $ 145,000 | $ 145,000 | $ 117,000 |
| College Station-Bryan, TX | 1 | $ 195,000 | $ 195,000 | $ 58,000 |
| Columbia, MO | 1 | $ 275,000 | $ 275,000 | $ 489,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Decatur, AL | 1 | $ 75,000 | $ 75,000 | $ 155,000 |
| Dothan, AL | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Duluth, MN-WI | 1 | $ 435,000 | $ 435,000 | $ 212,000 |
| El Paso, TX | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Elgin, IL | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 805,000 | $ 805,000 | $ 233,000 |
| Fort Wayne, IN | 1 | $ 495,000 | $ 495,000 | $ 189,000 |
| Gainesville, FL | 1 | $ 235,000 | $ 235,000 | $ 79,000 |
| Goldsboro, NC | 1 | $ 285,000 | $ 285,000 | $ 129,000 |
| Grand Junction, CO | 1 | $ 295,000 | $ 295,000 | $ 80,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 605,000 | $ 605,000 | $ 460,000 |
| Green Bay, WI | 1 | $ 285,000 | $ 285,000 | $ 291,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Harrisburg-Carlisle, PA | 1 | $ 185,000 | $ 185,000 | $ 46,000 |
| Harrisonburg, VA | 1 | $ 315,000 | $ 315,000 | $ 78,000 |
| Helena, MT | 1 | $ 635,000 | $ 635,000 | $ 141,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 355,000 | $ 355,000 | $ 205,000 |
| Homosassa Springs, FL | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Huntsville, AL | 1 | $ 335,000 | $ 335,000 | $ 109,000 |
| Jackson, TN | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Janesville-Beloit, WI | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Kalamazoo-Portage, MI | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 595,000 | $ 595,000 | $ 419,000 |
| Kingston, NY | 1 | $ 505,000 | $ 505,000 | $ 259,000 |
| Lafayette, LA | 1 | $ 285,000 | $ 285,000 | $ 135,000 |
| Lafayette-West Lafayette, IN | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Lansing-East Lansing, MI | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Las Cruces, NM | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Lewiston-Auburn, ME | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Longview, WA | 1 | $ 445,000 | $ 445,000 | $ 94,000 |
| Madison, WI | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Manchester-Nashua, NH | 1 | $ 335,000 | $ 335,000 | $ 175,000 |
| Marietta, GA | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Mobile, AL | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Monroe, MI | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Montgomery, AL | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Morgantown, WV | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 705,000 | $ 705,000 | $ 210,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 175,000 | $ 175,000 | $ 438,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 585,000 | $ 585,000 | $ 362,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Port St. Lucie, FL | 1 | $ 515,000 | $ 515,000 | $ 196,000 |
| Portland-South Portland, ME | 1 | $ 315,000 | $ 315,000 | $ 145,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 445,000 | $ 445,000 | $ 156,000 |
| Providence-Warwick, RI-MA | 1 | $ 605,000 | $ 605,000 | $ 177,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 182,000 |
| Richmond, VA | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Rochester, NY | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Salinas, CA | 1 | $ 595,000 | $ 595,000 | $ 153,000 |
| San Antonio-New Braunfels, TX | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,125,000 | $ 1,125,000 | $ 279,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 655,000 | $ 655,000 | $ 178,000 |
| Santa Fe, NM | 1 | $ 195,000 | $ 195,000 | $ 54,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 735,000 | $ 735,000 | $ 240,000 |
| Spartanburg, SC | 1 | $ 415,000 | $ 415,000 | $ 147,000 |
| St. Joseph, MO-KS | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Sumter, SC | 1 | $ 215,000 | $ 215,000 | $ 189,000 |
| Topeka, KS | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Traverse City, MI | 1 | $ 785,000 | $ 785,000 | $ 240,000 |
| Waco, TX | 1 | $ 155,000 | $ 155,000 | $ 24,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 0 | $ 0 | $ 0 |
| Wausau, WI | 1 | $ 225,000 | $ 225,000 | $ 74,000 |
| Wichita, KS | 1 | $ 135,000 | $ 135,000 | $ 400,000 |
| Wilmington, DE-MD-NJ | 1 | $ 365,000 | $ 365,000 | $ 176,000 |
| Wilmington, NC | 1 | $ 465,000 | $ 465,000 | $ 157,000 |
| York-Hanover, PA | 1 | $ 325,000 | $ 325,000 | $ 73,000 |
Mortgage Loan Application Detail Totals for Ally Bank 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 | 633 | $260,105,000 | $410,000 | $6,805,000 | $187,000 | $7,594,000 |
| Cash-out Refinancing | 55 | $14,125,000 | $256,000 | $795,000 | $113,000 | $438,000 |
| Refinancing | 49 | $243,395,000 | $5,178,000 | $70,005,000 | $149,000 | $489,000 |
| Home Improvement | 17 | $2,495,000 | $146,000 | $415,000 | $80,000 | $204,000 |
| Other Purpose | 14 | $3,530,000 | $252,000 | $755,000 | $180,000 | $393,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 323 | $118,615,000 | $367,000 | $1,555,000 | $191,000 | $7,594,000 |
| Not Provided | 228 | $96,940,000 | $425,000 | $2,005,000 | $172,000 | $1,500,000 |
| Hispanic | 67 | $20,655,000 | $308,000 | $1,025,000 | $157,000 | $526,000 |
| Black or African American | 64 | $17,430,000 | $272,000 | $795,000 | $128,000 | $563,000 |
| Asian | 48 | $25,570,000 | $532,000 | $1,875,000 | $220,000 | $1,365,000 |
| Not applicable | 30 | $242,120,000 | $8,647,000 | $70,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,780,000 | $296,000 | $405,000 | $152,000 | $250,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $540,000 | $270,000 | $415,000 | $88,000 | $93,000 |
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) | 768 | $523,650,000 | $683,000 | $70,005,000 | $178,000 | $7,594,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 268 | $328,760,000 | $1,235,000 | $70,005,000 | $170,000 | $1,213,000 |
| Application Withdrawn By Applicant | 154 | $60,110,000 | $390,000 | $1,485,000 | $248,000 | $7,594,000 |
| Preapproval Denied by Financial Institution | 144 | $57,630,000 | $400,000 | $2,005,000 | $140,000 | $671,000 |
| Application Denied By Financial Institution | 74 | $21,990,000 | $297,000 | $1,105,000 | $121,000 | $1,365,000 |
| File Closed For Incompleteness | 56 | $21,040,000 | $375,000 | $1,215,000 | $195,000 | $775,000 |
| Preapproval Approved but not Accepted | 45 | $24,905,000 | $553,000 | $1,725,000 | $181,000 | $445,000 |
| Loan Purchased By The Institution | 23 | $7,795,000 | $338,000 | $525,000 | $0 | $0 |
| Application Approved But Not Accepted | 4 | $1,420,000 | $355,000 | $775,000 | $136,000 | $325,000 |
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 | 550 | $444,030,000 | $810,000 | $70,005,000 | $197,000 | $7,594,000 |
| Other | 153 | $60,875,000 | $397,000 | $2,005,000 | $137,000 | $671,000 |
| Debt-To-Income Ratio | 34 | $9,980,000 | $293,000 | $895,000 | $115,000 | $1,365,000 |
| Collateral | 11 | $2,915,000 | $265,000 | $805,000 | $153,000 | $700,000 |
| Credit Application Incomplete | 8 | $3,050,000 | $381,000 | $1,025,000 | $137,000 | $381,000 |
| Credit History | 7 | $1,665,000 | $237,000 | $455,000 | $106,000 | $193,000 |
| Unverifiable Information | 3 | $515,000 | $171,000 | $295,000 | $91,000 | $129,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $620,000 | $310,000 | $325,000 | $210,000 | $321,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ally Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ally Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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