Summit Funding.Inc Mortgage Lending & HMDA Data, 2025

In 2025, Summit Funding.Inc of Sacramento, CA reported 8,573 mortgage applications totaling $3.0 billion, down 2% from 2024. The average application was for $351,990, and applicants reported an average income of $160,884. 67% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Chattanooga, TN-GA (541), Eugene, OR (536) and Kansas City, MO-KS (535) (applications in parentheses).

Mortgage Company & Address Summit Funding.Inc
2135 Butano Drive Suite 150
Sacramento, CA 95825
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 8,573
Total Mortgage Loan Application Amount $3,017,615,000
Average Mortgage Loan Application Amount $351,990
Highest Mortgage Loan Application Amount $10,005,000
Average Applicant Income $160,884
Highest Applicant Income $8,400,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Summit Funding.Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Summit Funding.Inc by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lane, Oregon 536 $ 201,790,000 $ 376,473 $ 145,000
Hamilton, Tennessee 301 $ 86,375,000 $ 286,960 $ 114,000
Cook, Illinois 254 $ 107,620,000 $ 423,700 $ 188,000
Shasta, California 249 $ 71,285,000 $ 286,285 $ 127,000
Jackson, Missouri 240 $ 59,240,000 $ 246,833 $ 108,000
Washoe, Nevada 180 $ 70,650,000 $ 392,500 $ 141,000
San Joaquin, California 178 $ 63,660,000 $ 357,640 $ 134,000
Bexar, Texas 161 $ 54,605,000 $ 339,161 $ 137,000
Sacramento, California 159 $ 67,405,000 $ 423,930 $ 168,000
Johnson, Kansas 157 $ 63,395,000 $ 403,789 $ 165,000
Klamath, Oregon 156 $ 43,880,000 $ 281,282 $ 118,000
Los Angeles, California 135 $ 107,835,000 $ 798,777 $ 443,000
Benton, Washington 112 $ 27,450,000 $ 245,089 $ 113,000
Walker, Georgia 106 $ 19,530,000 $ 184,245 $ 86,000
Linn, Oregon 104 $ 37,760,000 $ 363,076 $ 115,000
Maricopa, Arizona 101 $ 43,015,000 $ 425,891 $ 186,000
Monterey, California 99 $ 57,225,000 $ 578,030 $ 281,000
Catoosa, Georgia 96 $ 22,520,000 $ 234,583 $ 89,000
Humboldt, California 94 $ 35,830,000 $ 381,170 $ 145,000
Lewis, Washington 81 $ 25,755,000 $ 317,962 $ 115,000
Bannock, Idaho 80 $ 17,360,000 $ 217,000 $ 114,000
Miami-Dade, Florida 75 $ 34,505,000 $ 460,066 $ 220,000
Bonneville, Idaho 75 $ 21,695,000 $ 289,266 $ 147,000
Webb, Texas 75 $ 12,115,000 $ 161,533 $ 91,000
Yuma, Arizona 71 $ 23,835,000 $ 335,704 $ 119,000
Spokane, Washington 65 $ 18,785,000 $ 289,000 $ 123,000
Weld, Colorado 64 $ 19,720,000 $ 308,125 $ 138,000
Ada, Idaho 64 $ 27,790,000 $ 434,218 $ 146,000
Kootenai, Idaho 63 $ 26,035,000 $ 413,253 $ 215,000
Adams, Colorado 62 $ 19,210,000 $ 309,838 $ 136,000
Cass, Missouri 62 $ 18,050,000 $ 291,129 $ 123,000
Volusia, Florida 60 $ 18,500,000 $ 308,333 $ 116,000
Deschutes, Oregon 53 $ 30,005,000 $ 566,132 $ 219,000
Broward, Florida 50 $ 25,580,000 $ 511,600 $ 239,000
Franklin, Washington 50 $ 12,880,000 $ 257,600 $ 143,000
Whitfield, Georgia 47 $ 10,985,000 $ 233,723 $ 114,000
San Diego, California 46 $ 47,190,000 $ 1,025,869 $ 780,000
Canyon, Idaho 45 $ 15,245,000 $ 338,777 $ 180,000
Douglas, Oregon 45 $ 13,875,000 $ 308,333 $ 102,000
Siskiyou, California 44 $ 7,980,000 $ 181,363 $ 91,000
Smith, Texas 44 $ 7,620,000 $ 173,181 $ 101,000
White Pine, Nevada 43 $ 7,485,000 $ 174,069 $ 82,000
Gwinnett, Georgia 42 $ 13,600,000 $ 323,809 $ 119,000
Santa Fe, New Mexico 42 $ 13,320,000 $ 317,142 $ 131,000
Bradley, Tennessee 42 $ 10,190,000 $ 242,619 $ 96,000
Sullivan, Tennessee 41 $ 6,135,000 $ 149,634 $ 70,000
Spotsylvania, Virginia 40 $ 13,420,000 $ 335,500 $ 116,000
Davidson, Tennessee 38 $ 15,980,000 $ 420,526 $ 139,000
Denver, Colorado 36 $ 13,090,000 $ 363,611 $ 143,000
Lyon, Nevada 36 $ 11,200,000 $ 311,111 $ 103,000
Tehama, California 35 $ 9,335,000 $ 266,714 $ 110,000
Fulton, Georgia 34 $ 9,300,000 $ 273,529 $ 155,000
Dallas, Texas 34 $ 7,270,000 $ 213,823 $ 107,000
Riverside, California 32 $ 14,110,000 $ 440,937 $ 175,000
Larimer, Colorado 31 $ 15,955,000 $ 514,677 $ 212,000
DeKalb, Georgia 31 $ 7,425,000 $ 239,516 $ 146,000
DuPage, Illinois 31 $ 13,345,000 $ 430,483 $ 161,000
Pinal, Arizona 30 $ 7,860,000 $ 262,000 $ 115,000
Placer, California 30 $ 11,730,000 $ 391,000 $ 218,000
Orange, California 29 $ 27,195,000 $ 937,758 $ 762,000
Cobb, Georgia 29 $ 10,495,000 $ 361,896 $ 171,000
Guadalupe, Texas 29 $ 7,845,000 $ 270,517 $ 114,000
Hawaii, Hawaii 28 $ 18,560,000 $ 662,857 $ 247,000
Jefferson, Louisiana 27 $ 3,245,000 $ 120,185 $ 76,000
Forsyth, North Carolina 27 $ 11,415,000 $ 422,777 $ 210,000
Harris, Texas 27 $ 8,785,000 $ 325,370 $ 204,000
Fairfax, Virginia 27 $ 13,605,000 $ 503,888 $ 150,000
Pima, Arizona 26 $ 7,970,000 $ 306,538 $ 115,000
Calaveras, California 26 $ 9,130,000 $ 351,153 $ 141,000
Lassen, California 26 $ 6,510,000 $ 250,384 $ 177,000
Escambia, Florida 26 $ 7,250,000 $ 278,846 $ 190,000
St. Tammany, Louisiana 26 $ 4,790,000 $ 184,230 $ 72,000
San Bernardino, California 25 $ 6,915,000 $ 276,600 $ 293,000
Arapahoe, Colorado 25 $ 7,105,000 $ 284,200 $ 116,000
Boulder, Colorado 25 $ 10,505,000 $ 420,200 $ 150,000
Bingham, Idaho 25 $ 6,265,000 $ 250,600 $ 101,000
Providence, Rhode Island 25 $ 8,345,000 $ 333,800 $ 137,000
Williamson, Texas 25 $ 7,435,000 $ 297,400 $ 130,000
Jefferson, Colorado 24 $ 10,800,000 $ 450,000 $ 156,000
Jackson, Oregon 24 $ 9,030,000 $ 376,250 $ 166,000
Hunt, Texas 24 $ 4,910,000 $ 204,583 $ 87,000
Santa Rosa, Florida 23 $ 8,705,000 $ 378,478 $ 157,000
Montgomery, Texas 22 $ 6,240,000 $ 283,636 $ 146,000
Rockwall, Texas 22 $ 4,930,000 $ 224,090 $ 98,000
Stafford, Virginia 22 $ 10,910,000 $ 495,909 $ 133,000
Palm Beach, Florida 21 $ 6,845,000 $ 325,952 $ 308,000
Jefferson, Idaho 21 $ 5,685,000 $ 270,714 $ 71,000
Wyandotte, Kansas 21 $ 4,985,000 $ 237,380 $ 118,000
Kaufman, Texas 21 $ 5,695,000 $ 271,190 $ 110,000
Contra Costa, California 20 $ 10,870,000 $ 543,500 $ 450,000
Stanislaus, California 20 $ 8,970,000 $ 448,500 $ 168,000
Orleans, Louisiana 20 $ 5,080,000 $ 254,000 $ 87,000
Rutherford, Tennessee 20 $ 7,050,000 $ 352,500 $ 107,000
Caroline, Virginia 20 $ 5,400,000 $ 270,000 $ 111,000
Murray, Georgia 19 $ 2,965,000 $ 156,052 $ 92,000
Carson City, Nevada 19 $ 5,775,000 $ 303,947 $ 110,000
Clackamas, Oregon 19 $ 11,145,000 $ 586,578 $ 483,000
Collin, Texas 19 $ 6,865,000 $ 361,315 $ 155,000
East Baton Rouge, Louisiana 18 $ 2,620,000 $ 145,555 $ 115,000
Williamson, Tennessee 18 $ 11,470,000 $ 637,222 $ 235,000
Tarrant, Texas 18 $ 3,900,000 $ 216,666 $ 142,000
Van Zandt, Texas 18 $ 5,680,000 $ 315,555 $ 168,000
Sonoma, California 17 $ 10,405,000 $ 612,058 $ 286,000
Manatee, Florida 17 $ 8,395,000 $ 493,823 $ 202,000
Lake, Illinois 17 $ 8,495,000 $ 499,705 $ 242,000
Clay, Missouri 17 $ 5,715,000 $ 336,176 $ 148,000
Travis, Texas 17 $ 7,025,000 $ 413,235 $ 155,000
Orange, Virginia 17 $ 4,865,000 $ 286,176 $ 117,000
Amador, California 16 $ 5,190,000 $ 324,375 $ 119,000
Platte, Missouri 16 $ 5,430,000 $ 339,375 $ 133,000
Clark, Nevada 16 $ 5,110,000 $ 319,375 $ 168,000
Monroe, Pennsylvania 16 $ 4,500,000 $ 281,250 $ 368,000
Barrow, Georgia 15 $ 4,675,000 $ 311,666 $ 149,000
Dade, Georgia 15 $ 2,985,000 $ 199,000 $ 103,000
Churchill, Nevada 15 $ 3,115,000 $ 207,666 $ 96,000
Marion, Oregon 15 $ 5,355,000 $ 357,000 $ 146,000
Comal, Texas 15 $ 7,045,000 $ 469,666 $ 152,000
Del Norte, California 14 $ 4,000,000 $ 285,714 $ 103,000
Yolo, California 14 $ 4,900,000 $ 350,000 $ 170,000
Bristol, Massachusetts 14 $ 5,220,000 $ 372,857 $ 134,000
Northampton, Pennsylvania 14 $ 3,580,000 $ 255,714 $ 130,000
Greene, Tennessee 14 $ 2,470,000 $ 176,428 $ 102,000
El Dorado, California 13 $ 5,495,000 $ 422,692 $ 250,000
San Benito, California 13 $ 5,965,000 $ 458,846 $ 204,000
Caribou, Idaho 13 $ 2,525,000 $ 194,230 $ 81,000
Mecklenburg, North Carolina 13 $ 4,945,000 $ 380,384 $ 141,000
Benton, Oregon 13 $ 5,875,000 $ 451,923 $ 231,000
Thurston, Washington 13 $ 5,125,000 $ 394,230 $ 157,000
Yakima, Washington 13 $ 2,695,000 $ 207,307 $ 112,000
Orange, Florida 12 $ 5,840,000 $ 486,666 $ 226,000
Chatham, Georgia 12 $ 2,950,000 $ 245,833 $ 119,000
Henry, Georgia 12 $ 2,160,000 $ 180,000 $ 121,000
Kane, Illinois 12 $ 3,880,000 $ 323,333 $ 184,000
Davidson, North Carolina 12 $ 2,850,000 $ 237,500 $ 85,000
Knox, Tennessee 12 $ 3,410,000 $ 284,166 $ 104,000
Marion, Tennessee 12 $ 4,140,000 $ 345,000 $ 149,000
Henderson, Texas 12 $ 1,900,000 $ 158,333 $ 66,000
Alameda, California 11 $ 6,485,000 $ 589,545 $ 257,000
Trinity, California 11 $ 2,035,000 $ 185,000 $ 94,000
Pinellas, Florida 11 $ 3,995,000 $ 363,181 $ 253,000
Richmond, Georgia 11 $ 1,585,000 $ 144,090 $ 88,000
Yamhill, Oregon 11 $ 5,325,000 $ 484,090 $ 130,000
Lehigh, Pennsylvania 11 $ 3,155,000 $ 286,818 $ 190,000
Sequatchie, Tennessee 11 $ 4,135,000 $ 375,909 $ 111,000
Johnson, Texas 11 $ 3,105,000 $ 282,272 $ 115,000
Solano, California 10 $ 5,090,000 $ 509,000 $ 126,000
Sarasota, Florida 10 $ 4,760,000 $ 476,000 $ 924,000
Bonner, Idaho 10 $ 2,610,000 $ 261,000 $ 106,000
Coos, Oregon 10 $ 2,160,000 $ 216,000 $ 62,000
Multnomah, Oregon 10 $ 8,020,000 $ 802,000 $ 293,000
Polk, Oregon 10 $ 4,000,000 $ 400,000 $ 264,000
Shelby, Tennessee 10 $ 1,630,000 $ 163,000 $ 85,000
Burnet, Texas 10 $ 1,620,000 $ 162,000 $ 89,000
Wood, Texas 10 $ 1,450,000 $ 145,000 $ 70,000
Cherokee, Georgia 9 $ 2,665,000 $ 296,111 $ 80,000
Clayton, Georgia 9 $ 1,225,000 $ 136,111 $ 63,000
Jackson, Georgia 9 $ 3,775,000 $ 419,444 $ 120,000
Washington, Tennessee 9 $ 2,025,000 $ 225,000 $ 76,000
Ellis, Texas 9 $ 2,065,000 $ 229,444 $ 108,000
Louisa, Virginia 9 $ 2,775,000 $ 308,333 $ 109,000
Prince William, Virginia 9 $ 3,415,000 $ 379,444 $ 110,000
Plumas, California 8 $ 1,950,000 $ 243,750 $ 201,000
Santa Clara, California 8 $ 5,870,000 $ 733,750 $ 424,000
Douglas, Colorado 8 $ 3,930,000 $ 491,250 $ 237,000
Okaloosa, Florida 8 $ 6,460,000 $ 807,500 $ 654,000
Polk, Florida 8 $ 2,230,000 $ 278,750 $ 95,000
Madison, Idaho 8 $ 2,500,000 $ 312,500 $ 144,000
Teton, Idaho 8 $ 3,570,000 $ 446,250 $ 124,000
McHenry, Illinois 8 $ 1,800,000 $ 225,000 $ 132,000
Will, Illinois 8 $ 3,130,000 $ 391,250 $ 186,000
Lafayette, Missouri 8 $ 2,440,000 $ 305,000 $ 165,000
Sandoval, New Mexico 8 $ 1,630,000 $ 203,750 $ 95,000
Curry, Oregon 8 $ 3,590,000 $ 448,750 $ 179,000
Denton, Texas 8 $ 6,650,000 $ 831,250 $ 346,000
Douglas, Georgia 7 $ 1,805,000 $ 257,857 $ 97,000
Hall, Georgia 7 $ 2,345,000 $ 335,000 $ 119,000
Walton, Georgia 7 $ 2,075,000 $ 296,428 $ 113,000
Honolulu, Hawaii 7 $ 5,715,000 $ 816,428 $ 277,000
Johnson, Missouri 7 $ 2,135,000 $ 305,000 $ 97,000
Washington, Oregon 7 $ 3,785,000 $ 540,714 $ 185,000
Spartanburg, South Carolina 7 $ 1,975,000 $ 282,142 $ 62,000
Dickson, Tennessee 7 $ 2,355,000 $ 336,428 $ 113,000
Loudon, Tennessee 7 $ 1,575,000 $ 225,000 $ 122,000
Rains, Texas 7 $ 1,405,000 $ 200,714 $ 93,000
King George, Virginia 7 $ 2,315,000 $ 330,714 $ 119,000
Clark, Washington 7 $ 3,205,000 $ 457,857 $ 233,000
Cowlitz, Washington 7 $ 2,585,000 $ 369,285 $ 93,000
Grant, Washington 7 $ 1,755,000 $ 250,714 $ 88,000
Fresno, California 6 $ 2,000,000 $ 333,333 $ 183,000
Nevada, California 6 $ 3,480,000 $ 580,000 $ 268,000
San Luis Obispo, California 6 $ 3,170,000 $ 528,333 $ 261,000
Marion, Florida 6 $ 2,430,000 $ 405,000 $ 180,000
Walton, Florida 6 $ 4,090,000 $ 681,666 $ 0
Fremont, Idaho 6 $ 1,180,000 $ 196,666 $ 96,000
Miami, Kansas 6 $ 1,830,000 $ 305,000 $ 142,000
Montgomery, Maryland 6 $ 2,930,000 $ 488,333 $ 526,000
Bernalillo, New Mexico 6 $ 2,160,000 $ 360,000 $ 226,000
Los Alamos, New Mexico 6 $ 2,680,000 $ 446,666 $ 178,000
Blount, Tennessee 6 $ 2,250,000 $ 375,000 $ 99,000
Fentress, Tennessee 6 $ 1,060,000 $ 176,666 $ 51,000
Maury, Tennessee 6 $ 1,790,000 $ 298,333 $ 127,000
Gregg, Texas 6 $ 1,290,000 $ 215,000 $ 55,000
Arlington, Virginia 6 $ 1,830,000 $ 305,000 $ 109,000
Fredericksburg, Virginia 6 $ 2,050,000 $ 341,666 $ 169,000
Loudoun, Virginia 6 $ 4,000,000 $ 666,666 $ 248,000
Mohave, Arizona 5 $ 1,835,000 $ 367,000 $ 112,000
Butte, California 5 $ 1,395,000 $ 279,000 $ 139,000
Mendocino, California 5 $ 1,365,000 $ 273,000 $ 99,000
Santa Cruz, California 5 $ 4,315,000 $ 863,000 $ 746,000
Morgan, Colorado 5 $ 985,000 $ 197,000 $ 66,000
New Castle, Delaware 5 $ 1,045,000 $ 209,000 $ 82,000
Brevard, Florida 5 $ 1,735,000 $ 347,000 $ 129,000
Charlotte, Florida 5 $ 885,000 $ 177,000 $ 86,000
Lake, Florida 5 $ 2,775,000 $ 555,000 $ 586,000
Osceola, Florida 5 $ 1,915,000 $ 383,000 $ 120,000
St. Lucie, Florida 5 $ 1,985,000 $ 397,000 $ 116,000
Chattooga, Georgia 5 $ 1,045,000 $ 209,000 $ 85,000
Forsyth, Georgia 5 $ 2,325,000 $ 465,000 $ 244,000
Liberty, Georgia 5 $ 585,000 $ 117,000 $ 55,000
Bear Lake, Idaho 5 $ 1,635,000 $ 327,000 $ 251,000
Twin Falls, Idaho 5 $ 1,305,000 $ 261,000 $ 96,000
St. John the Baptist, Louisiana 5 $ 655,000 $ 131,000 $ 81,000
Douglas, Nevada 5 $ 2,375,000 $ 475,000 $ 124,000
Buncombe, North Carolina 5 $ 875,000 $ 175,000 $ 59,000
Gaston, North Carolina 5 $ 1,465,000 $ 293,000 $ 228,000
Johnston, North Carolina 5 $ 1,415,000 $ 283,000 $ 103,000
Wake, North Carolina 5 $ 1,375,000 $ 275,000 $ 112,000
Josephine, Oregon 5 $ 1,765,000 $ 353,000 $ 130,000
Greenville, South Carolina 5 $ 1,935,000 $ 387,000 $ 113,000
Carter, Tennessee 5 $ 815,000 $ 163,000 $ 55,000
Jefferson, Tennessee 5 $ 1,225,000 $ 245,000 $ 129,000
Meigs, Tennessee 5 $ 735,000 $ 147,000 $ 69,000
Rhea, Tennessee 5 $ 865,000 $ 173,000 $ 143,000
Wilson, Tennessee 5 $ 2,275,000 $ 455,000 $ 143,000
Bastrop, Texas 5 $ 1,915,000 $ 383,000 $ 190,000
Fort Bend, Texas 5 $ 1,985,000 $ 397,000 $ 151,000
McLennan, Texas 5 $ 1,305,000 $ 261,000 $ 0
Navarro, Texas 5 $ 455,000 $ 91,000 $ 69,000
Westmoreland, Virginia 5 $ 1,075,000 $ 215,000 $ 85,000
Island, Washington 5 $ 1,415,000 $ 283,000 $ 124,000
King, Washington 5 $ 13,595,000 $ 2,719,000 $ 3,267,000
Pierce, Washington 5 $ 2,735,000 $ 547,000 $ 584,000
Coconino, Arizona 4 $ 2,530,000 $ 632,500 $ 294,000
Santa Cruz, Arizona 4 $ 1,490,000 $ 372,500 $ 102,000
Hot Spring, Arkansas 4 $ 340,000 $ 85,000 $ 109,000
Lake, California 4 $ 500,000 $ 125,000 $ 79,000
Merced, California 4 $ 1,700,000 $ 425,000 $ 301,000
San Mateo, California 4 $ 6,610,000 $ 1,652,500 $ 521,000
Tuolumne, California 4 $ 1,240,000 $ 310,000 $ 170,000
Ventura, California 4 $ 2,920,000 $ 730,000 $ 188,000
Yuba, California 4 $ 1,210,000 $ 302,500 $ 109,000
Duval, Florida 4 $ 1,000,000 $ 250,000 $ 172,000
Hillsborough, Florida 4 $ 1,090,000 $ 272,500 $ 91,000
Pasco, Florida 4 $ 830,000 $ 207,500 $ 0
Seminole, Florida 4 $ 1,250,000 $ 312,500 $ 168,000
Columbia, Georgia 4 $ 1,340,000 $ 335,000 $ 128,000
Coweta, Georgia 4 $ 1,570,000 $ 392,500 $ 117,000
Effingham, Georgia 4 $ 800,000 $ 200,000 $ 97,000
Fayette, Georgia 4 $ 1,810,000 $ 452,500 $ 171,000
Floyd, Georgia 4 $ 540,000 $ 135,000 $ 77,000
Newton, Georgia 4 $ 1,090,000 $ 272,500 $ 125,000
Butte, Idaho 4 $ 740,000 $ 185,000 $ 44,000
Douglas, Kansas 4 $ 1,220,000 $ 305,000 $ 145,000
Leavenworth, Kansas 4 $ 1,350,000 $ 337,500 $ 127,000
Ascension, Louisiana 4 $ 1,080,000 $ 270,000 $ 95,000
St. Bernard, Louisiana 4 $ 280,000 $ 70,000 $ 37,000
Charles, Maryland 4 $ 1,630,000 $ 407,500 $ 167,000
Rio Arriba, New Mexico 4 $ 1,250,000 $ 312,500 $ 112,000
Harnett, North Carolina 4 $ 850,000 $ 212,500 $ 117,000
Lincoln, Oregon 4 $ 1,510,000 $ 377,500 $ 132,000
Berks, Pennsylvania 4 $ 1,670,000 $ 417,500 $ 122,000
Anderson, South Carolina 4 $ 990,000 $ 247,500 $ 100,000
Horry, South Carolina 4 $ 1,400,000 $ 350,000 $ 161,000
Hamblen, Tennessee 4 $ 1,260,000 $ 315,000 $ 91,000
McMinn, Tennessee 4 $ 1,240,000 $ 310,000 $ 97,000
Montgomery, Tennessee 4 $ 1,240,000 $ 310,000 $ 114,000
Sumner, Tennessee 4 $ 1,600,000 $ 400,000 $ 115,000
Unicoi, Tennessee 4 $ 730,000 $ 182,500 $ 81,000
Bell, Texas 4 $ 1,500,000 $ 375,000 $ 141,000
Hopkins, Texas 4 $ 750,000 $ 187,500 $ 62,000
Kendall, Texas 4 $ 1,740,000 $ 435,000 $ 161,000
Parker, Texas 4 $ 1,650,000 $ 412,500 $ 141,000
Rusk, Texas 4 $ 320,000 $ 80,000 $ 81,000
Summit, Utah 4 $ 3,920,000 $ 980,000 $ 978,000
Washington, Utah 4 $ 4,100,000 $ 1,025,000 $ 918,000
Bristol, Virginia 4 $ 770,000 $ 192,500 $ 100,000
Greene, Virginia 4 $ 660,000 $ 165,000 $ 100,000
Adams, Washington 4 $ 790,000 $ 197,500 $ 101,000
Grays Harbor, Washington 4 $ 730,000 $ 182,500 $ 85,000
Whitman, Washington 4 $ 770,000 $ 192,500 $ 76,000
Milwaukee, Wisconsin 4 $ 690,000 $ 172,500 $ 109,000
Pulaski, Arkansas 3 $ 625,000 $ 208,333 $ 0
Marin, California 3 $ 2,475,000 $ 825,000 $ 228,000
San Francisco, California 3 $ 4,135,000 $ 1,378,333 $ 124,000
Sutter, California 3 $ 1,005,000 $ 335,000 $ 98,000
Broomfield, Colorado 3 $ 1,865,000 $ 621,666 $ 293,000
El Paso, Colorado 3 $ 1,385,000 $ 461,666 $ 175,000
Logan, Colorado 3 $ 655,000 $ 218,333 $ 133,000
Northeastern Connecticut Planning Region, Connecticut 3 $ 1,415,000 $ 471,666 $ 140,000
District of Columbia, District Of Columbia 3 $ 975,000 $ 325,000 $ 600,000
Lee, Florida 3 $ 995,000 $ 331,666 $ 71,000
St. Johns, Florida 3 $ 635,000 $ 211,666 $ 48,000
Sumter, Florida 3 $ 1,075,000 $ 358,333 $ 169,000
Bartow, Georgia 3 $ 705,000 $ 235,000 $ 156,000
Carroll, Georgia 3 $ 545,000 $ 181,666 $ 72,000
Houston, Georgia 3 $ 655,000 $ 218,333 $ 112,000
Rockdale, Georgia 3 $ 515,000 $ 171,666 $ 43,000
Spalding, Georgia 3 $ 625,000 $ 208,333 $ 81,000
White, Georgia 3 $ 755,000 $ 251,666 $ 51,000
Franklin, Idaho 3 $ 1,015,000 $ 338,333 $ 87,000
Owyhee, Idaho 3 $ 555,000 $ 185,000 $ 55,000
Payette, Idaho 3 $ 915,000 $ 305,000 $ 67,000
Power, Idaho 3 $ 735,000 $ 245,000 $ 99,000
Valley, Idaho 3 $ 3,755,000 $ 1,251,666 $ 441,000
Franklin, Kansas 3 $ 835,000 $ 278,333 $ 91,000
Geary, Kansas 3 $ 115,000 $ 38,333 $ 117,000
Plaquemines, Louisiana 3 $ 425,000 $ 141,666 $ 75,000
Worcester, Massachusetts 3 $ 735,000 $ 245,000 $ 99,000
Macomb, Michigan 3 $ 1,835,000 $ 611,666 $ 232,000
St. Joseph, Michigan 3 $ 1,575,000 $ 525,000 $ 607,000
Wayne, Michigan 3 $ 1,215,000 $ 405,000 $ 0
Ray, Missouri 3 $ 755,000 $ 251,666 $ 75,000
Pershing, Nevada 3 $ 705,000 $ 235,000 $ 97,000
Essex, New Jersey 3 $ 1,545,000 $ 515,000 $ 89,000
Passaic, New Jersey 3 $ 1,165,000 $ 388,333 $ 93,000
Dona Ana, New Mexico 3 $ 665,000 $ 221,666 $ 106,000
San Miguel, New Mexico 3 $ 385,000 $ 128,333 $ 55,000
Cleveland, North Carolina 3 $ 995,000 $ 331,666 $ 118,000
Guilford, North Carolina 3 $ 1,515,000 $ 505,000 $ 240,000
Stanly, North Carolina 3 $ 555,000 $ 185,000 $ 58,000
Cuyahoga, Ohio 3 $ 575,000 $ 191,666 $ 179,000
Oklahoma, Oklahoma 3 $ 655,000 $ 218,333 $ 79,000
Allegheny, Pennsylvania 3 $ 575,000 $ 191,666 $ 101,000
Centre, Pennsylvania 3 $ 835,000 $ 278,333 $ 412,000
Montgomery, Pennsylvania 3 $ 935,000 $ 311,666 $ 72,000
Pike, Pennsylvania 3 $ 945,000 $ 315,000 $ 155,000
Kent, Rhode Island 3 $ 1,105,000 $ 368,333 $ 132,000
Chester, South Carolina 3 $ 505,000 $ 168,333 $ 77,000
Lancaster, South Carolina 3 $ 1,775,000 $ 591,666 $ 214,000
Bledsoe, Tennessee 3 $ 675,000 $ 225,000 $ 92,000
Cocke, Tennessee 3 $ 855,000 $ 285,000 $ 70,000
Giles, Tennessee 3 $ 695,000 $ 231,666 $ 53,000
Hickman, Tennessee 3 $ 465,000 $ 155,000 $ 132,000
Union, Tennessee 3 $ 555,000 $ 185,000 $ 119,000
Bandera, Texas 3 $ 505,000 $ 168,333 $ 206,000
Cherokee, Texas 3 $ 895,000 $ 298,333 $ 76,000
Kerr, Texas 3 $ 345,000 $ 115,000 $ 44,000
Nueces, Texas 3 $ 425,000 $ 141,666 $ 92,000
Salt Lake, Utah 3 $ 735,000 $ 245,000 $ 147,000
Manassas, Virginia 3 $ 925,000 $ 308,333 $ 60,000
Montgomery, Virginia 3 $ 805,000 $ 268,333 $ 172,000
Page, Virginia 3 $ 615,000 $ 205,000 $ 218,000
Pend Oreille, Washington 3 $ 405,000 $ 135,000 $ 55,000
Snohomish, Washington 3 $ 1,405,000 $ 468,333 $ 224,000
Stevens, Washington 3 $ 1,175,000 $ 391,666 $ 120,000
Lincoln, Wyoming 3 $ 1,605,000 $ 535,000 $ 335,000
Baldwin, Alabama 2 $ 670,000 $ 335,000 $ 210,000
Calhoun, Alabama 2 $ 220,000 $ 110,000 $ 47,000
DeKalb, Alabama 2 $ 600,000 $ 300,000 $ 148,000
Escambia, Alabama 2 $ 500,000 $ 250,000 $ 100,000
Jefferson, Alabama 2 $ 2,150,000 $ 1,075,000 $ 221,000
Marshall, Alabama 2 $ 960,000 $ 480,000 $ 176,000
Shelby, Alabama 2 $ 690,000 $ 345,000 $ 61,000
Yavapai, Arizona 2 $ 780,000 $ 390,000 $ 574,000
Modoc, California 2 $ 430,000 $ 215,000 $ 82,000
Tulare, California 2 $ 270,000 $ 135,000 $ 166,000
Eagle, Colorado 2 $ 1,160,000 $ 580,000 $ 400,000
Greater Bridgeport Planning Region, Connecticut 2 $ 370,000 $ 185,000 $ 145,000
Sussex, Delaware 2 $ 650,000 $ 325,000 $ 102,000
Bay, Florida 2 $ 760,000 $ 380,000 $ 1,107,000
Citrus, Florida 2 $ 450,000 $ 225,000 $ 112,000
Flagler, Florida 2 $ 700,000 $ 350,000 $ 173,000
Dodge, Georgia 2 $ 350,000 $ 175,000 $ 64,000
Fannin, Georgia 2 $ 540,000 $ 270,000 $ 232,000
Gordon, Georgia 2 $ 920,000 $ 460,000 $ 133,000
Laurens, Georgia 2 $ 120,000 $ 60,000 $ 41,000
Lumpkin, Georgia 2 $ 900,000 $ 450,000 $ 133,000
Madison, Georgia 2 $ 470,000 $ 235,000 $ 192,000
Pickens, Georgia 2 $ 1,050,000 $ 525,000 $ 205,000
Pulaski, Georgia 2 $ 440,000 $ 220,000 $ 60,000
Adams, Idaho 2 $ 200,000 $ 100,000 $ 50,000
Benewah, Idaho 2 $ 380,000 $ 190,000 $ 76,000
Boise, Idaho 2 $ 430,000 $ 215,000 $ 88,000
Cassia, Idaho 2 $ 530,000 $ 265,000 $ 3,845,000
Elmore, Idaho 2 $ 830,000 $ 415,000 $ 143,000
Idaho, Idaho 2 $ 250,000 $ 125,000 $ 54,000
Washington, Idaho 2 $ 350,000 $ 175,000 $ 58,000
Carroll, Illinois 2 $ 1,380,000 $ 690,000 $ 692,000
Kankakee, Illinois 2 $ 250,000 $ 125,000 $ 86,000
Daviess, Indiana 2 $ 210,000 $ 105,000 $ 0
Delaware, Indiana 2 $ 900,000 $ 450,000 $ 289,000
Hancock, Indiana 2 $ 1,570,000 $ 785,000 $ 534,000
Porter, Indiana 2 $ 870,000 $ 435,000 $ 225,000
Anderson, Kansas 2 $ 270,000 $ 135,000 $ 94,000
Riley, Kansas 2 $ 670,000 $ 335,000 $ 642,000
Lafayette, Louisiana 2 $ 390,000 $ 195,000 $ 97,000
Livingston, Louisiana 2 $ 580,000 $ 290,000 $ 122,000
St. Charles, Louisiana 2 $ 190,000 $ 95,000 $ 92,000
Penobscot, Maine 2 $ 1,150,000 $ 575,000 $ 445,000
Baltimore, Maryland 2 $ 790,000 $ 395,000 $ 84,000
Washington, Maryland 2 $ 730,000 $ 365,000 $ 96,000
Dukes, Massachusetts 2 $ 3,960,000 $ 1,980,000 $ 1,154,000
Hampden, Massachusetts 2 $ 530,000 $ 265,000 $ 111,000
Middlesex, Massachusetts 2 $ 990,000 $ 495,000 $ 189,000
Berrien, Michigan 2 $ 420,000 $ 210,000 $ 158,000
Clinton, Michigan 2 $ 600,000 $ 300,000 $ 67,000
Lafayette, Mississippi 2 $ 570,000 $ 285,000 $ 90,000
Camden, Missouri 2 $ 810,000 $ 405,000 $ 157,000
Carroll, Missouri 2 $ 370,000 $ 185,000 $ 109,000
Mineral, Nevada 2 $ 190,000 $ 95,000 $ 63,000
Hudson, New Jersey 2 $ 1,080,000 $ 540,000 $ 0
Taos, New Mexico 2 $ 910,000 $ 455,000 $ 181,000
Alamance, North Carolina 2 $ 590,000 $ 295,000 $ 0
Craven, North Carolina 2 $ 510,000 $ 255,000 $ 107,000
Durham, North Carolina 2 $ 1,180,000 $ 590,000 $ 262,000
Franklin, North Carolina 2 $ 810,000 $ 405,000 $ 153,000
Iredell, North Carolina 2 $ 1,150,000 $ 575,000 $ 181,000
Moore, North Carolina 2 $ 490,000 $ 245,000 $ 79,000
Rutherford, North Carolina 2 $ 170,000 $ 85,000 $ 45,000
Cherokee, Oklahoma 2 $ 380,000 $ 190,000 $ 138,000
Hood River, Oregon 2 $ 950,000 $ 475,000 $ 98,000
Tillamook, Oregon 2 $ 510,000 $ 255,000 $ 121,000
Chester, Pennsylvania 2 $ 590,000 $ 295,000 $ 141,000
Clarion, Pennsylvania 2 $ 250,000 $ 125,000 $ 27,000
Wayne, Pennsylvania 2 $ 650,000 $ 325,000 $ 109,000
York, South Carolina 2 $ 840,000 $ 420,000 $ 147,000
Bedford, Tennessee 2 $ 690,000 $ 345,000 $ 87,000
Claiborne, Tennessee 2 $ 120,000 $ 60,000 $ 24,000
Hawkins, Tennessee 2 $ 510,000 $ 255,000 $ 64,000
Johnson, Tennessee 2 $ 200,000 $ 100,000 $ 39,000
Marshall, Tennessee 2 $ 650,000 $ 325,000 $ 99,000
Roane, Tennessee 2 $ 360,000 $ 180,000 $ 41,000
Sevier, Tennessee 2 $ 930,000 $ 465,000 $ 227,000
Atascosa, Texas 2 $ 630,000 $ 315,000 $ 166,000
Brazos, Texas 2 $ 670,000 $ 335,000 $ 252,000
El Paso, Texas 2 $ 600,000 $ 300,000 $ 134,000
Galveston, Texas 2 $ 500,000 $ 250,000 $ 287,000
Hays, Texas 2 $ 1,120,000 $ 560,000 $ 183,000
Jasper, Texas 2 $ 190,000 $ 95,000 $ 76,000
Lee, Texas 2 $ 270,000 $ 135,000 $ 60,000
Medina, Texas 2 $ 1,310,000 $ 655,000 $ 228,000
Milam, Texas 2 $ 240,000 $ 120,000 $ 59,000
Upshur, Texas 2 $ 260,000 $ 130,000 $ 104,000
Washington, Texas 2 $ 190,000 $ 95,000 $ 72,000
Alexandria, Virginia 2 $ 610,000 $ 305,000 $ 125,000
Augusta, Virginia 2 $ 1,340,000 $ 670,000 $ 276,000
Culpeper, Virginia 2 $ 1,250,000 $ 625,000 $ 149,000
Fauquier, Virginia 2 $ 1,280,000 $ 640,000 $ 157,000
Henry, Virginia 2 $ 240,000 $ 120,000 $ 116,000
Madison, Virginia 2 $ 300,000 $ 150,000 $ 68,000
Middlesex, Virginia 2 $ 220,000 $ 110,000 $ 57,000
Warren, Virginia 2 $ 660,000 $ 330,000 $ 198,000
Washington, Virginia 2 $ 660,000 $ 330,000 $ 102,000
Douglas, Washington 2 $ 470,000 $ 235,000 $ 138,000
Jefferson, Washington 2 $ 480,000 $ 240,000 $ 115,000
Klickitat, Washington 2 $ 400,000 $ 200,000 $ 93,000
Skagit, Washington 2 $ 1,000,000 $ 500,000 $ 110,000
Walla Walla, Washington 2 $ 630,000 $ 315,000 $ 101,000
Lafayette, Wisconsin 2 $ 1,450,000 $ 725,000 $ 897,000
Washington, Wisconsin 2 $ 1,020,000 $ 510,000 $ 166,000
Albany, Wyoming 2 $ 1,290,000 $ 645,000 $ 245,000
Teton, Wyoming 2 $ 7,010,000 $ 3,505,000 $ 900,000
Cherokee, Alabama 1 $ 235,000 $ 235,000 $ 70,000
Covington, Alabama 1 $ 185,000 $ 185,000 $ 217,000
Jackson, Alabama 1 $ 455,000 $ 455,000 $ 586,000
Monroe, Alabama 1 $ 185,000 $ 185,000 $ 126,000
Montgomery, Alabama 1 $ 95,000 $ 95,000 $ 38,000
Matanuska-Susitna, Alaska 1 $ 605,000 $ 605,000 $ 3,773,000
Benton, Arkansas 1 $ 335,000 $ 335,000 $ 164,000
Crittenden, Arkansas 1 $ 395,000 $ 395,000 $ 122,000
Faulkner, Arkansas 1 $ 115,000 $ 115,000 $ 0
Washington, Arkansas 1 $ 175,000 $ 175,000 $ 41,000
Kern, California 1 $ 475,000 $ 475,000 $ 169,000
Kings, California 1 $ 155,000 $ 155,000 $ 63,000
Mono, California 1 $ 795,000 $ 795,000 $ 0
Napa, California 1 $ 725,000 $ 725,000 $ 2,057,000
Santa Barbara, California 1 $ 415,000 $ 415,000 $ 172,000
Fremont, Colorado 1 $ 225,000 $ 225,000 $ 161,000
Grand, Colorado 1 $ 385,000 $ 385,000 $ 371,000
Ouray, Colorado 1 $ 475,000 $ 475,000 $ 322,000
Capitol Planning Region, Connecticut 1 $ 505,000 $ 505,000 $ 0
Northwest Hills Planning Region, Connecticut 1 $ 355,000 $ 355,000 $ 300,000
Southeastern Connecticut Planning Region, Connecticut 1 $ 355,000 $ 355,000 $ 0
Western Connecticut Planning Region, Connecticut 1 $ 605,000 $ 605,000 $ 290,000
Calhoun, Florida 1 $ 295,000 $ 295,000 $ 174,000
Collier, Florida 1 $ 2,365,000 $ 2,365,000 $ 376,000
Glades, Florida 1 $ 335,000 $ 335,000 $ 107,000
Hendry, Florida 1 $ 115,000 $ 115,000 $ 183,000
Hernando, Florida 1 $ 525,000 $ 525,000 $ 608,000
Highlands, Florida 1 $ 415,000 $ 415,000 $ 251,000
Martin, Florida 1 $ 3,075,000 $ 3,075,000 $ 3,669,000
Monroe, Florida 1 $ 925,000 $ 925,000 $ 3,624,000
Bibb, Georgia 1 $ 225,000 $ 225,000 $ 55,000
Bryan, Georgia 1 $ 495,000 $ 495,000 $ 116,000
Bulloch, Georgia 1 $ 535,000 $ 535,000 $ 0
Clarke, Georgia 1 $ 235,000 $ 235,000 $ 176,000
Dawson, Georgia 1 $ 305,000 $ 305,000 $ 0
Gilmer, Georgia 1 $ 545,000 $ 545,000 $ 401,000
Habersham, Georgia 1 $ 245,000 $ 245,000 $ 109,000
Hancock, Georgia 1 $ 395,000 $ 395,000 $ 0
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Mortgage Loan Application Detail Totals for Summit Funding.Inc 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 7,228 $2,442,180,000 $337,000 $6,605,000 $146,000 $6,295,000
Refinancing 719 $341,805,000 $475,000 $3,835,000 $243,000 $5,400,000
Cash-out Refinancing 383 $164,975,000 $430,000 $10,005,000 $224,000 $8,400,000
Other Purpose 214 $61,100,000 $285,000 $3,505,000 $262,000 $4,401,000
Home Improvement 29 $7,555,000 $260,000 $765,000 $255,000 $1,600,000
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 5,263 $1,845,745,000 $350,000 $4,485,000 $160,000 $6,295,000
Hispanic 1,573 $524,675,000 $333,000 $2,525,000 $144,000 $3,624,000
Not Provided 861 $329,915,000 $383,000 $3,505,000 $180,000 $3,380,000
Black or African American 471 $122,675,000 $260,000 $1,005,000 $119,000 $1,682,000
Asian 332 $163,010,000 $490,000 $10,005,000 $225,000 $8,400,000
American Indian or Alaskan Native 57 $24,755,000 $434,000 $6,605,000 $172,000 $2,525,000
Native Hawaiian or Other Pacific Islander 16 $6,840,000 $427,000 $805,000 $173,000 $467,000
Not applicable 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) 5,875 $2,090,375,000 $355,000 $10,005,000 $185,000 $8,400,000
FHA-insured (Federal Housing Administration) 2,101 $683,155,000 $325,000 $875,000 $101,000 $1,353,000
VA-guaranteed (Veterans Administration) 558 $234,750,000 $420,000 $1,645,000 $122,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $9,335,000 $239,000 $585,000 $82,000 $179,000

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 5,759 $1,936,015,000 $336,000 $3,835,000 $150,000 $5,172,000
Application Withdrawn By Applicant 2,075 $791,545,000 $381,000 $10,005,000 $180,000 $8,400,000
Application Denied By Financial Institution 489 $205,975,000 $421,000 $4,355,000 $195,000 $4,401,000
Preapproval Approved but not Accepted 91 $35,115,000 $385,000 $1,505,000 $141,000 $731,000
Preapproval Denied by Financial Institution 77 $18,585,000 $241,000 $805,000 $69,000 $220,000
Application Approved But Not Accepted 54 $20,410,000 $377,000 $2,505,000 $156,000 $1,352,000
File Closed For Incompleteness 28 $9,970,000 $356,000 $1,205,000 $183,000 $1,476,000
Loan Purchased By The 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
Not applicable 8,007 $2,793,055,000 $348,000 $10,005,000 $158,000 $8,400,000
Debt-To-Income Ratio 208 $80,830,000 $388,000 $3,565,000 $113,000 $1,215,000
Other 111 $45,665,000 $411,000 $3,505,000 $328,000 $4,401,000
Collateral 99 $38,955,000 $393,000 $2,045,000 $183,000 $1,353,000
Credit History 86 $33,200,000 $386,000 $4,355,000 $188,000 $1,684,000
Unverifiable Information 27 $15,555,000 $576,000 $3,505,000 $212,000 $1,196,000
Insufficient Cash (Downpayment, Closing Cost) 17 $5,055,000 $297,000 $665,000 $129,000 $306,000
Employment History 9 $2,495,000 $277,000 $685,000 $61,000 $135,000
Credit Application Incomplete 8 $2,500,000 $312,000 $505,000 $184,000 $840,000
Mortgage Insurance Denied 1 $305,000 $305,000 $305,000 $95,000 $95,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Summit Funding.Inc'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 Summit Funding.Inc'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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