Summit Funding.Inc Mortgage Lending & HMDA Data, 2021

In 2021, Summit Funding.Inc of Sacramento, CA reported 31,340 mortgage applications totaling $10.3 billion, down 3% from 2020. The average application was for $330,088, and applicants reported an average income of $115,185. 75% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (2,131), Stockton-Lodi, CA (1,670) and Eugene, OR (1,620) (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 31,340
Total Mortgage Loan Application Amount $10,344,960,000
Average Mortgage Loan Application Amount $330,088
Highest Mortgage Loan Application Amount $4,205,000
Average Applicant Income $115,185
Highest Applicant Income $2,809,000

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Act (HMDA) records Summit Funding.Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
San Joaquin, California 1,670 $ 562,160,000 $ 336,622 $ 119,000
Lane, Oregon 1,620 $ 534,480,000 $ 329,925 $ 103,000
Sacramento, California 1,427 $ 481,365,000 $ 337,326 $ 115,000
San Diego, California 973 $ 543,785,000 $ 558,874 $ 161,000
Cook, Illinois 933 $ 348,795,000 $ 373,842 $ 158,000
Butte, California 901 $ 300,155,000 $ 333,135 $ 121,000
Pima, Arizona 837 $ 188,795,000 $ 225,561 $ 85,000
Washoe, Nevada 809 $ 272,625,000 $ 336,990 $ 106,000
Maricopa, Arizona 790 $ 235,090,000 $ 297,582 $ 104,000
Dallas, Texas 754 $ 287,820,000 $ 381,724 $ 153,000
Riverside, California 697 $ 236,545,000 $ 339,375 $ 108,000
Benton, Washington 658 $ 148,050,000 $ 225,000 $ 85,000
Kern, California 638 $ 144,270,000 $ 226,128 $ 93,000
Sonoma, California 589 $ 293,465,000 $ 498,242 $ 142,000
Contra Costa, California 517 $ 273,395,000 $ 528,810 $ 160,000
Placer, California 466 $ 210,870,000 $ 452,510 $ 148,000
Monterey, California 388 $ 185,680,000 $ 478,556 $ 147,000
Fresno, California 377 $ 125,915,000 $ 333,992 $ 149,000
Ada, Idaho 362 $ 131,490,000 $ 363,232 $ 111,000
Los Angeles, California 356 $ 186,730,000 $ 524,522 $ 144,000
Alameda, California 346 $ 217,720,000 $ 629,248 $ 182,000
Clark, Nevada 346 $ 83,140,000 $ 240,289 $ 78,000
San Bernardino, California 344 $ 105,870,000 $ 307,761 $ 105,000
Oakland, Michigan 325 $ 80,535,000 $ 247,800 $ 109,000
Jackson, Missouri 307 $ 65,295,000 $ 212,687 $ 85,000
Shasta, California 295 $ 81,995,000 $ 277,949 $ 99,000
Lyon, Nevada 291 $ 68,815,000 $ 236,477 $ 76,000
Spokane, Washington 287 $ 75,515,000 $ 263,118 $ 83,000
Stanislaus, California 285 $ 85,585,000 $ 300,298 $ 104,000
Merced, California 265 $ 77,045,000 $ 290,735 $ 101,000
Tehama, California 260 $ 68,470,000 $ 263,346 $ 98,000
Collin, Texas 254 $ 89,870,000 $ 353,818 $ 135,000
Lewis, Washington 228 $ 61,480,000 $ 269,649 $ 91,000
King, Washington 227 $ 164,945,000 $ 726,629 $ 204,000
Deschutes, Oregon 224 $ 94,420,000 $ 421,517 $ 220,000
Tarrant, Texas 218 $ 65,900,000 $ 302,293 $ 121,000
Franklin, Washington 218 $ 47,980,000 $ 220,091 $ 85,000
Hamilton, Tennessee 215 $ 47,105,000 $ 219,093 $ 86,000
Travis, Texas 215 $ 92,645,000 $ 430,906 $ 184,000
Klamath, Oregon 206 $ 49,530,000 $ 240,436 $ 84,000
Wayne, Michigan 201 $ 32,705,000 $ 162,711 $ 82,000
Plumas, California 192 $ 46,710,000 $ 243,281 $ 95,000
Solano, California 189 $ 74,595,000 $ 394,682 $ 114,000
Humboldt, California 183 $ 55,435,000 $ 302,923 $ 103,000
East Baton Rouge, Louisiana 183 $ 23,505,000 $ 128,442 $ 56,000
Denton, Texas 175 $ 64,045,000 $ 365,971 $ 139,000
Canyon, Idaho 172 $ 49,370,000 $ 287,034 $ 85,000
Winnebago, Illinois 165 $ 19,345,000 $ 117,242 $ 59,000
Macomb, Michigan 165 $ 32,725,000 $ 198,333 $ 80,000
Linn, Oregon 157 $ 48,585,000 $ 309,458 $ 88,000
Nez Perce, Idaho 153 $ 33,985,000 $ 222,124 $ 82,000
Del Norte, California 143 $ 39,455,000 $ 275,909 $ 92,000
Bannock, Idaho 136 $ 25,350,000 $ 186,397 $ 78,000
Mecklenburg, North Carolina 136 $ 37,610,000 $ 276,544 $ 109,000
Douglas, Oregon 132 $ 34,700,000 $ 262,878 $ 70,000
St. Tammany, Louisiana 122 $ 22,190,000 $ 181,885 $ 69,000
Yolo, California 121 $ 44,985,000 $ 371,776 $ 140,000
El Dorado, California 117 $ 52,375,000 $ 447,649 $ 164,000
Pinal, Arizona 111 $ 27,275,000 $ 245,720 $ 75,000
Williamson, Texas 109 $ 37,335,000 $ 342,522 $ 139,000
Orange, California 108 $ 57,710,000 $ 534,351 $ 173,000
Santa Clara, California 104 $ 61,240,000 $ 588,846 $ 161,000
Washington, Oregon 102 $ 38,250,000 $ 375,000 $ 134,000
Catoosa, Georgia 99 $ 19,975,000 $ 201,767 $ 80,000
Jackson, Oregon 98 $ 29,960,000 $ 305,714 $ 98,000
Walker, Georgia 95 $ 17,955,000 $ 189,000 $ 78,000
Bonneville, Idaho 95 $ 21,095,000 $ 222,052 $ 65,000
Santa Cruz, California 94 $ 52,080,000 $ 554,042 $ 179,000
Harris, Texas 92 $ 24,910,000 $ 270,760 $ 113,000
Calaveras, California 91 $ 31,135,000 $ 342,142 $ 123,000
Livingston, Louisiana 90 $ 13,640,000 $ 151,555 $ 61,000
Multnomah, Oregon 89 $ 32,765,000 $ 368,146 $ 144,000
Davidson, Tennessee 88 $ 26,110,000 $ 296,704 $ 107,000
Lassen, California 84 $ 18,030,000 $ 214,642 $ 77,000
Arapahoe, Colorado 83 $ 26,525,000 $ 319,578 $ 100,000
Cass, Missouri 78 $ 18,460,000 $ 236,666 $ 89,000
Asotin, Washington 78 $ 16,460,000 $ 211,025 $ 67,000
Jefferson, Louisiana 77 $ 13,685,000 $ 177,727 $ 73,000
Hamilton, Ohio 75 $ 13,275,000 $ 177,000 $ 79,000
Tangipahoa, Louisiana 74 $ 11,210,000 $ 151,486 $ 64,000
Ascension, Louisiana 73 $ 13,885,000 $ 190,205 $ 65,000
Churchill, Nevada 68 $ 16,460,000 $ 242,058 $ 79,000
Honolulu, Hawaii 67 $ 39,625,000 $ 591,417 $ 168,000
Clackamas, Oregon 65 $ 25,225,000 $ 388,076 $ 128,000
Yuba, California 64 $ 19,300,000 $ 301,562 $ 101,000
Island, Washington 63 $ 18,975,000 $ 301,190 $ 88,000
DuPage, Illinois 62 $ 29,200,000 $ 470,967 $ 192,000
Spartanburg, South Carolina 60 $ 12,030,000 $ 200,500 $ 70,000
Adams, Colorado 59 $ 16,625,000 $ 281,779 $ 92,000
Snohomish, Washington 58 $ 33,600,000 $ 579,310 $ 165,000
Madera, California 57 $ 16,535,000 $ 290,087 $ 112,000
San Benito, California 57 $ 28,415,000 $ 498,508 $ 130,000
Kaufman, Texas 57 $ 14,955,000 $ 262,368 $ 91,000
Yakima, Washington 57 $ 10,885,000 $ 190,964 $ 76,000
Marion, Oregon 52 $ 17,680,000 $ 340,000 $ 120,000
Amador, California 51 $ 12,555,000 $ 246,176 $ 90,000
Hays, Texas 49 $ 14,695,000 $ 299,897 $ 134,000
Marin, California 48 $ 29,730,000 $ 619,375 $ 198,000
Douglas, Colorado 48 $ 24,160,000 $ 503,333 $ 154,000
Denver, Colorado 47 $ 17,625,000 $ 375,000 $ 113,000
Kootenai, Idaho 47 $ 15,975,000 $ 339,893 $ 96,000
Clermont, Ohio 47 $ 10,175,000 $ 216,489 $ 85,000
Florence, South Carolina 46 $ 7,020,000 $ 152,608 $ 50,000
Rockwall, Texas 46 $ 16,170,000 $ 351,521 $ 133,000
Lake, California 45 $ 10,085,000 $ 224,111 $ 87,000
Iredell, North Carolina 45 $ 13,795,000 $ 306,555 $ 108,000
White Pine, Nevada 44 $ 6,580,000 $ 149,545 $ 80,000
San Francisco, California 42 $ 25,910,000 $ 616,904 $ 222,000
Tulare, California 42 $ 10,740,000 $ 255,714 $ 90,000
Carson City, Nevada 42 $ 11,460,000 $ 272,857 $ 93,000
Madison, Alabama 41 $ 10,685,000 $ 260,609 $ 110,000
Glenn, California 41 $ 11,685,000 $ 285,000 $ 98,000
Sumner, Tennessee 40 $ 12,120,000 $ 303,000 $ 110,000
Williamson, Tennessee 39 $ 22,685,000 $ 581,666 $ 173,000
Fulton, Georgia 38 $ 9,120,000 $ 240,000 $ 83,000
Will, Illinois 38 $ 10,130,000 $ 266,578 $ 126,000
Orleans, Louisiana 38 $ 7,750,000 $ 203,947 $ 105,000
Latah, Idaho 37 $ 9,425,000 $ 254,729 $ 82,000
Lake, Illinois 37 $ 15,055,000 $ 406,891 $ 184,000
Ventura, California 36 $ 17,500,000 $ 486,111 $ 158,000
Brown, Ohio 36 $ 6,130,000 $ 170,277 $ 70,000
Napa, California 35 $ 16,705,000 $ 477,285 $ 133,000
Kauai, Hawaii 35 $ 19,015,000 $ 543,285 $ 202,000
Johnson, Kansas 35 $ 11,035,000 $ 315,285 $ 108,000
St. John the Baptist, Louisiana 35 $ 5,265,000 $ 150,428 $ 64,000
Clay, Missouri 35 $ 6,445,000 $ 184,142 $ 66,000
Benton, Oregon 35 $ 13,045,000 $ 372,714 $ 133,000
Clatsop, Oregon 34 $ 12,450,000 $ 366,176 $ 165,000
Clark, Washington 34 $ 11,920,000 $ 350,588 $ 123,000
Sutter, California 33 $ 8,685,000 $ 263,181 $ 123,000
Baker, Oregon 32 $ 8,520,000 $ 266,250 $ 83,000
Nevada, California 31 $ 13,445,000 $ 433,709 $ 213,000
San Mateo, California 31 $ 18,735,000 $ 604,354 $ 198,000
Bingham, Idaho 31 $ 6,475,000 $ 208,870 $ 82,000
Cabarrus, North Carolina 31 $ 8,755,000 $ 282,419 $ 95,000
Butler, Ohio 31 $ 5,765,000 $ 185,967 $ 71,000
Thurston, Washington 31 $ 10,495,000 $ 338,548 $ 112,000
San Luis Obispo, California 30 $ 14,200,000 $ 473,333 $ 205,000
Idaho, Idaho 30 $ 6,200,000 $ 206,666 $ 91,000
Tuolumne, California 29 $ 7,755,000 $ 267,413 $ 109,000
Jefferson, Colorado 29 $ 10,995,000 $ 379,137 $ 129,000
Ellis, Texas 29 $ 9,345,000 $ 322,241 $ 116,000
York, South Carolina 28 $ 8,250,000 $ 294,642 $ 101,000
Bell, Texas 28 $ 6,000,000 $ 214,285 $ 88,000
Grant, Washington 28 $ 5,760,000 $ 205,714 $ 79,000
Polk, Iowa 27 $ 5,285,000 $ 195,740 $ 71,000
Modoc, California 26 $ 3,910,000 $ 150,384 $ 63,000
Rutherford, Tennessee 26 $ 6,980,000 $ 268,461 $ 88,000
Livingston, Michigan 25 $ 6,355,000 $ 254,200 $ 82,000
Colusa, California 24 $ 6,140,000 $ 255,833 $ 82,000
Gwinnett, Georgia 24 $ 7,890,000 $ 328,750 $ 101,000
Hunt, Texas 24 $ 6,640,000 $ 276,666 $ 102,000
Teton, Idaho 23 $ 8,215,000 $ 357,173 $ 73,000
Douglas, Nevada 23 $ 11,145,000 $ 484,565 $ 179,000
Genesee, Michigan 22 $ 3,450,000 $ 156,818 $ 71,000
Henry, Georgia 21 $ 4,605,000 $ 219,285 $ 83,000
Jefferson, Idaho 21 $ 4,365,000 $ 207,857 $ 69,000
Gaston, North Carolina 21 $ 4,125,000 $ 196,428 $ 84,000
Rowan, North Carolina 21 $ 4,105,000 $ 195,476 $ 71,000
Josephine, Oregon 21 $ 7,455,000 $ 355,000 $ 100,000
Bradley, Tennessee 21 $ 3,975,000 $ 189,285 $ 79,000
Pierce, Washington 21 $ 8,785,000 $ 418,333 $ 141,000
DeKalb, Georgia 20 $ 4,130,000 $ 206,500 $ 80,000
Kane, Illinois 20 $ 5,940,000 $ 297,000 $ 118,000
Mohave, Arizona 19 $ 5,105,000 $ 268,684 $ 94,000
Yavapai, Arizona 19 $ 5,895,000 $ 310,263 $ 109,000
Santa Barbara, California 19 $ 8,335,000 $ 438,684 $ 162,000
El Paso, Colorado 19 $ 8,295,000 $ 436,578 $ 127,000
Weld, Colorado 19 $ 6,845,000 $ 360,263 $ 106,000
Washtenaw, Michigan 19 $ 4,395,000 $ 231,315 $ 95,000
McHenry, Illinois 18 $ 4,390,000 $ 243,888 $ 121,000
St. Clair, Michigan 18 $ 3,650,000 $ 202,777 $ 93,000
Union, North Carolina 18 $ 5,230,000 $ 290,555 $ 87,000
Parker, Texas 18 $ 6,770,000 $ 376,111 $ 172,000
Mendocino, California 17 $ 6,955,000 $ 409,117 $ 110,000
Catawba, North Carolina 17 $ 3,945,000 $ 232,058 $ 76,000
Lincoln, North Carolina 17 $ 5,965,000 $ 350,882 $ 129,000
Lincoln, Oregon 17 $ 4,625,000 $ 272,058 $ 100,000
Fort Bend, Texas 17 $ 5,345,000 $ 314,411 $ 168,000
Warren, Ohio 16 $ 3,990,000 $ 249,375 $ 88,000
Maury, Tennessee 16 $ 3,980,000 $ 248,750 $ 76,000
Bexar, Texas 16 $ 4,410,000 $ 275,625 $ 212,000
Johnson, Texas 16 $ 4,200,000 $ 262,500 $ 89,000
Miami-Dade, Florida 15 $ 7,395,000 $ 493,000 $ 181,000
Boone, Illinois 15 $ 2,155,000 $ 143,666 $ 55,000
Cobb, Georgia 14 $ 3,930,000 $ 280,714 $ 102,000
Twin Falls, Idaho 14 $ 4,540,000 $ 324,285 $ 92,000
Polk, Oregon 14 $ 4,550,000 $ 325,000 $ 108,000
Tillamook, Oregon 14 $ 4,050,000 $ 289,285 $ 158,000
Yamhill, Oregon 14 $ 5,250,000 $ 375,000 $ 106,000
Richland, South Carolina 14 $ 2,480,000 $ 177,142 $ 62,000
Cowlitz, Washington 14 $ 2,980,000 $ 212,857 $ 84,000
Whitman, Washington 14 $ 4,110,000 $ 293,571 $ 90,000
Cochise, Arizona 13 $ 2,585,000 $ 198,846 $ 84,000
Kings, California 13 $ 2,795,000 $ 215,000 $ 96,000
Whitfield, Georgia 13 $ 2,755,000 $ 211,923 $ 60,000
Comal, Texas 13 $ 4,645,000 $ 357,307 $ 193,000
Walla Walla, Washington 13 $ 2,215,000 $ 170,384 $ 79,000
Trinity, California 12 $ 3,370,000 $ 280,833 $ 98,000
Clayton, Georgia 12 $ 1,960,000 $ 163,333 $ 61,000
Fremont, Idaho 12 $ 1,780,000 $ 148,333 $ 62,000
Iberville, Louisiana 12 $ 2,190,000 $ 182,500 $ 61,000
Lafayette, Missouri 12 $ 3,010,000 $ 250,833 $ 96,000
Humboldt, Nevada 12 $ 1,920,000 $ 160,000 $ 65,000
Coos, Oregon 12 $ 4,020,000 $ 335,000 $ 100,000
Bedford, Tennessee 12 $ 2,680,000 $ 223,333 $ 71,000
Wilson, Tennessee 12 $ 3,700,000 $ 308,333 $ 88,000
Siskiyou, California 11 $ 2,655,000 $ 241,363 $ 117,000
Kenton, Kentucky 11 $ 1,895,000 $ 172,272 $ 97,000
Crook, Oregon 11 $ 3,335,000 $ 303,181 $ 81,000
Lancaster, South Carolina 11 $ 3,025,000 $ 275,000 $ 120,000
Stevens, Washington 11 $ 2,455,000 $ 223,181 $ 63,000
Imperial, California 10 $ 2,610,000 $ 261,000 $ 113,000
Lewis, Idaho 10 $ 2,250,000 $ 225,000 $ 55,000
Payette, Idaho 10 $ 2,920,000 $ 292,000 $ 84,000
St. Bernard, Louisiana 10 $ 1,550,000 $ 155,000 $ 51,000
West Baton Rouge, Louisiana 10 $ 2,170,000 $ 217,000 $ 70,000
Storey, Nevada 10 $ 2,180,000 $ 218,000 $ 58,000
Montgomery, Ohio 10 $ 1,810,000 $ 181,000 $ 60,000
Curry, Oregon 10 $ 3,150,000 $ 315,000 $ 116,000
Jefferson, Oregon 10 $ 2,880,000 $ 288,000 $ 98,000
Anderson, South Carolina 10 $ 1,820,000 $ 182,000 $ 95,000
Darlington, South Carolina 10 $ 1,520,000 $ 152,000 $ 46,000
Bastrop, Texas 10 $ 2,740,000 $ 274,000 $ 110,000
Montgomery, Texas 10 $ 3,270,000 $ 327,000 $ 98,000
Grays Harbor, Washington 10 $ 1,420,000 $ 142,000 $ 69,000
Coconino, Arizona 9 $ 2,955,000 $ 328,333 $ 162,000
Duval, Florida 9 $ 1,655,000 $ 183,888 $ 156,000
Murray, Georgia 9 $ 1,585,000 $ 176,111 $ 54,000
Hawaii, Hawaii 9 $ 3,815,000 $ 423,888 $ 123,000
Boise, Idaho 9 $ 3,475,000 $ 386,111 $ 89,000
Clearwater, Idaho 9 $ 1,245,000 $ 138,333 $ 72,000
Boone, Kentucky 9 $ 1,365,000 $ 151,666 $ 56,000
Lapeer, Michigan 9 $ 1,645,000 $ 182,777 $ 65,000
Monroe, Michigan 9 $ 1,865,000 $ 207,222 $ 84,000
Mineral, Nevada 9 $ 895,000 $ 99,444 $ 54,000
Pershing, Nevada 9 $ 1,605,000 $ 178,333 $ 52,000
Columbia, Oregon 9 $ 2,915,000 $ 323,888 $ 76,000
Coffee, Tennessee 9 $ 2,015,000 $ 223,888 $ 62,000
Kittitas, Washington 9 $ 4,285,000 $ 476,111 $ 178,000
Limestone, Alabama 8 $ 2,510,000 $ 313,750 $ 73,000
Navajo, Arizona 8 $ 2,040,000 $ 255,000 $ 135,000
Chattooga, Georgia 8 $ 1,100,000 $ 137,500 $ 57,000
Floyd, Georgia 8 $ 750,000 $ 93,750 $ 43,000
Elmore, Idaho 8 $ 2,360,000 $ 295,000 $ 88,000
Stephenson, Illinois 8 $ 400,000 $ 50,000 $ 38,000
St. Charles, Louisiana 8 $ 1,480,000 $ 185,000 $ 71,000
Lenawee, Michigan 8 $ 1,310,000 $ 163,750 $ 53,000
Camden, Missouri 8 $ 1,770,000 $ 221,250 $ 106,000
Johnson, Missouri 8 $ 2,010,000 $ 251,250 $ 74,000
Montgomery, Tennessee 8 $ 1,370,000 $ 171,250 $ 65,000
Erath, Texas 8 $ 1,580,000 $ 197,500 $ 209,000
Grayson, Texas 8 $ 2,550,000 $ 318,750 $ 163,000
Henderson, Texas 8 $ 2,840,000 $ 355,000 $ 177,000
Van Zandt, Texas 8 $ 1,390,000 $ 173,750 $ 88,000
Adams, Washington 8 $ 1,100,000 $ 137,500 $ 86,000
Lincoln, Washington 8 $ 1,100,000 $ 137,500 $ 49,000
Skagit, Washington 8 $ 2,640,000 $ 330,000 $ 68,000
Sierra, California 7 $ 1,495,000 $ 213,571 $ 94,000
Larimer, Colorado 7 $ 2,235,000 $ 319,285 $ 93,000
Dodge, Georgia 7 $ 535,000 $ 76,428 $ 48,000
Gem, Idaho 7 $ 1,915,000 $ 273,571 $ 85,000
Wyandotte, Kansas 7 $ 1,155,000 $ 165,000 $ 89,000
East Feliciana, Louisiana 7 $ 1,845,000 $ 263,571 $ 98,000
Bay, Michigan 7 $ 805,000 $ 115,000 $ 45,000
Platte, Missouri 7 $ 1,405,000 $ 200,714 $ 84,000
Tulsa, Oklahoma 7 $ 1,255,000 $ 179,285 $ 72,000
Marion, Tennessee 7 $ 2,415,000 $ 345,000 $ 136,000
Sequatchie, Tennessee 7 $ 2,075,000 $ 296,428 $ 67,000
Fannin, Texas 7 $ 1,155,000 $ 165,000 $ 83,000
Guadalupe, Texas 7 $ 1,795,000 $ 256,428 $ 122,000
Hood, Texas 7 $ 2,365,000 $ 337,857 $ 153,000
McLennan, Texas 7 $ 1,325,000 $ 189,285 $ 124,000
Smith, Texas 7 $ 1,765,000 $ 252,142 $ 168,000
Kitsap, Washington 7 $ 3,295,000 $ 470,714 $ 169,000
Whatcom, Washington 7 $ 2,555,000 $ 365,000 $ 112,000
Marshall, Alabama 6 $ 1,630,000 $ 271,666 $ 110,000
Mariposa, California 6 $ 2,130,000 $ 355,000 $ 134,000
Hillsborough, Florida 6 $ 1,540,000 $ 256,666 $ 144,000
Bibb, Georgia 6 $ 1,050,000 $ 175,000 $ 55,000
Houston, Georgia 6 $ 1,230,000 $ 205,000 $ 53,000
Bonner, Idaho 6 $ 1,950,000 $ 325,000 $ 103,000
Madison, Idaho 6 $ 1,140,000 $ 190,000 $ 71,000
Jackson, Michigan 6 $ 1,080,000 $ 180,000 $ 72,000
Gallatin, Montana 6 $ 4,240,000 $ 706,666 $ 259,000
Elko, Nevada 6 $ 1,700,000 $ 283,333 $ 89,000
Lucas, Ohio 6 $ 1,690,000 $ 281,666 $ 116,000
Cheatham, Tennessee 6 $ 1,330,000 $ 221,666 $ 59,000
Knox, Tennessee 6 $ 1,770,000 $ 295,000 $ 91,000
Macon, Tennessee 6 $ 580,000 $ 96,666 $ 49,000
Galveston, Texas 6 $ 1,440,000 $ 240,000 $ 162,000
Washington, Utah 6 $ 2,030,000 $ 338,333 $ 128,000
Clallam, Washington 6 $ 2,360,000 $ 393,333 $ 104,000
Milwaukee, Wisconsin 6 $ 1,630,000 $ 271,666 $ 97,000
Rock, Wisconsin 6 $ 1,010,000 $ 168,333 $ 66,000
Broomfield, Colorado 5 $ 1,965,000 $ 393,000 $ 139,000
Broward, Florida 5 $ 1,265,000 $ 253,000 $ 102,000
Charlotte, Florida 5 $ 1,385,000 $ 277,000 $ 112,000
Spalding, Georgia 5 $ 1,285,000 $ 257,000 $ 79,000
Gooding, Idaho 5 $ 805,000 $ 161,000 $ 41,000
DeKalb, Illinois 5 $ 1,075,000 $ 215,000 $ 52,000
Kendall, Illinois 5 $ 1,285,000 $ 257,000 $ 96,000
Berrien, Michigan 5 $ 1,295,000 $ 259,000 $ 255,000
Sanilac, Michigan 5 $ 545,000 $ 109,000 $ 82,000
Brunswick, North Carolina 5 $ 1,465,000 $ 293,000 $ 131,000
Burke, North Carolina 5 $ 1,075,000 $ 215,000 $ 70,000
Hood River, Oregon 5 $ 2,595,000 $ 519,000 $ 207,000
Umatilla, Oregon 5 $ 985,000 $ 197,000 $ 63,000
Horry, South Carolina 5 $ 1,035,000 $ 207,000 $ 68,000
Bledsoe, Tennessee 5 $ 1,235,000 $ 247,000 $ 76,000
Marshall, Tennessee 5 $ 945,000 $ 189,000 $ 70,000
Robertson, Tennessee 5 $ 1,585,000 $ 317,000 $ 93,000
El Paso, Texas 5 $ 1,615,000 $ 323,000 $ 469,000
Mason, Washington 5 $ 1,805,000 $ 361,000 $ 153,000
Gila, Arizona 4 $ 1,320,000 $ 330,000 $ 54,000
Boulder, Colorado 4 $ 2,850,000 $ 712,500 $ 197,000
Pasco, Florida 4 $ 1,680,000 $ 420,000 $ 153,000
Sarasota, Florida 4 $ 930,000 $ 232,500 $ 177,000
Coweta, Georgia 4 $ 480,000 $ 120,000 $ 69,000
Caribou, Idaho 4 $ 510,000 $ 127,500 $ 40,000
Jerome, Idaho 4 $ 710,000 $ 177,500 $ 76,000
Power, Idaho 4 $ 550,000 $ 137,500 $ 81,000
Dearborn, Indiana 4 $ 680,000 $ 170,000 $ 66,000
Lake, Indiana 4 $ 610,000 $ 152,500 $ 65,000
Bates, Missouri 4 $ 900,000 $ 225,000 $ 102,000
Lincoln, Missouri 4 $ 460,000 $ 115,000 $ 66,000
Stanly, North Carolina 4 $ 590,000 $ 147,500 $ 86,000
Wake, North Carolina 4 $ 1,120,000 $ 280,000 $ 77,000
Adams, Ohio 4 $ 750,000 $ 187,500 $ 55,000
Cuyahoga, Ohio 4 $ 860,000 $ 215,000 $ 170,000
Bryan, Oklahoma 4 $ 670,000 $ 167,500 $ 134,000
Malheur, Oregon 4 $ 680,000 $ 170,000 $ 47,000
Wasco, Oregon 4 $ 1,090,000 $ 272,500 $ 90,000
Greenville, South Carolina 4 $ 1,410,000 $ 352,500 $ 212,000
Cameron, Texas 4 $ 590,000 $ 147,500 $ 137,000
Cherokee, Texas 4 $ 870,000 $ 217,500 $ 132,000
Lubbock, Texas 4 $ 640,000 $ 160,000 $ 184,000
Nueces, Texas 4 $ 1,740,000 $ 435,000 $ 140,000
Rains, Texas 4 $ 1,520,000 $ 380,000 $ 139,000
Garfield, Washington 4 $ 520,000 $ 130,000 $ 71,000
Lincoln, Wyoming 4 $ 1,340,000 $ 335,000 $ 125,000
Jackson, Alabama 3 $ 355,000 $ 118,333 $ 40,000
Lee, Alabama 3 $ 745,000 $ 248,333 $ 202,000
Morgan, Alabama 3 $ 655,000 $ 218,333 $ 72,000
Apache, Arizona 3 $ 495,000 $ 165,000 $ 80,000
Santa Cruz, Arizona 3 $ 415,000 $ 138,333 $ 57,000
Yuma, Arizona 3 $ 1,055,000 $ 351,666 $ 114,000
Benton, Arkansas 3 $ 755,000 $ 251,666 $ 70,000
Mono, California 3 $ 1,365,000 $ 455,000 $ 434,000
Elbert, Colorado 3 $ 1,235,000 $ 411,666 $ 78,000
Mesa, Colorado 3 $ 1,025,000 $ 341,666 $ 139,000
Routt, Colorado 3 $ 1,905,000 $ 635,000 $ 373,000
Lee, Florida 3 $ 1,085,000 $ 361,666 $ 156,000
Dougherty, Georgia 3 $ 125,000 $ 41,666 $ 65,000
Douglas, Georgia 3 $ 635,000 $ 211,666 $ 72,000
Fannin, Georgia 3 $ 655,000 $ 218,333 $ 67,000
Fayette, Georgia 3 $ 495,000 $ 165,000 $ 57,000
Forsyth, Georgia 3 $ 1,455,000 $ 485,000 $ 149,000
Muscogee, Georgia 3 $ 435,000 $ 145,000 $ 80,000
Paulding, Georgia 3 $ 595,000 $ 198,333 $ 54,000
Wilkinson, Georgia 3 $ 135,000 $ 45,000 $ 73,000
Bear Lake, Idaho 3 $ 345,000 $ 115,000 $ 33,000
Benewah, Idaho 3 $ 215,000 $ 71,666 $ 58,000
Minidoka, Idaho 3 $ 295,000 $ 98,333 $ 52,000
Shoshone, Idaho 3 $ 525,000 $ 175,000 $ 54,000
Ogle, Illinois 3 $ 425,000 $ 141,666 $ 70,000
Harrison, Indiana 3 $ 2,245,000 $ 748,333 $ 89,000
Dallas, Iowa 3 $ 775,000 $ 258,333 $ 65,000
Warren, Iowa 3 $ 645,000 $ 215,000 $ 83,000
Miami, Kansas 3 $ 545,000 $ 181,666 $ 87,000
Campbell, Kentucky 3 $ 785,000 $ 261,666 $ 102,000
Kalamazoo, Michigan 3 $ 595,000 $ 198,333 $ 126,000
Ogemaw, Michigan 3 $ 915,000 $ 305,000 $ 162,000
Shiawassee, Michigan 3 $ 435,000 $ 145,000 $ 98,000
Lowndes, Mississippi 3 $ 415,000 $ 138,333 $ 39,000
Henry, Missouri 3 $ 435,000 $ 145,000 $ 49,000
Morgan, Missouri 3 $ 535,000 $ 178,333 $ 157,000
St. Charles, Missouri 3 $ 1,045,000 $ 348,333 $ 113,000
Flathead, Montana 3 $ 935,000 $ 311,666 $ 121,000
Alexander, North Carolina 3 $ 825,000 $ 275,000 $ 101,000
Cleveland, North Carolina 3 $ 635,000 $ 211,666 $ 63,000
Nash, North Carolina 3 $ 295,000 $ 98,333 $ 50,000
New Hanover, North Carolina 3 $ 795,000 $ 265,000 $ 165,000
Onslow, North Carolina 3 $ 715,000 $ 238,333 $ 58,000
Clinton, Ohio 3 $ 495,000 $ 165,000 $ 61,000
Delaware, Ohio 3 $ 1,205,000 $ 401,666 $ 183,000
Highland, Ohio 3 $ 505,000 $ 168,333 $ 63,000
Summit, Ohio 3 $ 965,000 $ 321,666 $ 112,000
Lake, Oregon 3 $ 725,000 $ 241,666 $ 75,000
Berkeley, South Carolina 3 $ 4,735,000 $ 1,578,333 $ 321,000
Dorchester, South Carolina 3 $ 515,000 $ 171,666 $ 61,000
Blount, Tennessee 3 $ 555,000 $ 185,000 $ 55,000
Lawrence, Tennessee 3 $ 475,000 $ 158,333 $ 56,000
McMinn, Tennessee 3 $ 715,000 $ 238,333 $ 81,000
Trousdale, Tennessee 3 $ 425,000 $ 141,666 $ 49,000
Brazoria, Texas 3 $ 635,000 $ 211,666 $ 171,000
Brazos, Texas 3 $ 605,000 $ 201,666 $ 163,000
Falls, Texas 3 $ 665,000 $ 221,666 $ 67,000
Jackson, Texas 3 $ 315,000 $ 105,000 $ 55,000
Milam, Texas 3 $ 565,000 $ 188,333 $ 85,000
Wharton, Texas 3 $ 465,000 $ 155,000 $ 60,000
Salt Lake, Utah 3 $ 995,000 $ 331,666 $ 64,000
Uintah, Utah 3 $ 705,000 $ 235,000 $ 39,000
Utah, Utah 3 $ 1,265,000 $ 421,666 $ 95,000
Chesterfield, Virginia 3 $ 1,045,000 $ 348,333 $ 124,000
Douglas, Washington 3 $ 1,385,000 $ 461,666 $ 160,000
Jefferson, Washington 3 $ 1,155,000 $ 385,000 $ 177,000
Pend Oreille, Washington 3 $ 925,000 $ 308,333 $ 116,000
Dane, Wisconsin 3 $ 915,000 $ 305,000 $ 87,000
Baldwin, Alabama 2 $ 410,000 $ 205,000 $ 60,000
Montgomery, Alabama 2 $ 130,000 $ 65,000 $ 260,000
Sharp, Arkansas 2 $ 210,000 $ 105,000 $ 39,000
Gunnison, Colorado 2 $ 1,850,000 $ 925,000 $ 204,000
Summit, Colorado 2 $ 530,000 $ 265,000 $ 236,000
Gulf, Florida 2 $ 580,000 $ 290,000 $ 248,000
Lake, Florida 2 $ 1,000,000 $ 500,000 $ 259,000
Marion, Florida 2 $ 310,000 $ 155,000 $ 128,000
Orange, Florida 2 $ 910,000 $ 455,000 $ 70,000
Pinellas, Florida 2 $ 570,000 $ 285,000 $ 139,000
Walton, Florida 2 $ 1,680,000 $ 840,000 $ 457,000
Columbia, Georgia 2 $ 490,000 $ 245,000 $ 98,000
Newton, Georgia 2 $ 580,000 $ 290,000 $ 56,000
Polk, Georgia 2 $ 370,000 $ 185,000 $ 84,000
Pulaski, Georgia 2 $ 150,000 $ 75,000 $ 39,000
Adams, Idaho 2 $ 590,000 $ 295,000 $ 152,000
Blaine, Idaho 2 $ 890,000 $ 445,000 $ 69,000
Owyhee, Idaho 2 $ 1,180,000 $ 590,000 $ 456,000
Valley, Idaho 2 $ 810,000 $ 405,000 $ 181,000
Washington, Idaho 2 $ 760,000 $ 380,000 $ 117,000
Allen, Indiana 2 $ 370,000 $ 185,000 $ 74,000
Hamilton, Indiana 2 $ 650,000 $ 325,000 $ 188,000
LaPorte, Indiana 2 $ 580,000 $ 290,000 $ 284,000
Marion, Indiana 2 $ 510,000 $ 255,000 $ 137,000
Cerro Gordo, Iowa 2 $ 300,000 $ 150,000 $ 64,000
Jasper, Iowa 2 $ 430,000 $ 215,000 $ 93,000
Johnson, Iowa 2 $ 440,000 $ 220,000 $ 104,000
Leavenworth, Kansas 2 $ 570,000 $ 285,000 $ 69,000
Warren, Kentucky 2 $ 380,000 $ 190,000 $ 48,000
Antrim, Michigan 2 $ 900,000 $ 450,000 $ 264,000
Iosco, Michigan 2 $ 280,000 $ 140,000 $ 64,000
Manistee, Michigan 2 $ 240,000 $ 120,000 $ 46,000
Tuscola, Michigan 2 $ 350,000 $ 175,000 $ 24,000
Adams, Mississippi 2 $ 260,000 $ 130,000 $ 79,000
Harrison, Mississippi 2 $ 290,000 $ 145,000 $ 208,000
Boone, Missouri 2 $ 350,000 $ 175,000 $ 34,000
Christian, Missouri 2 $ 910,000 $ 455,000 $ 128,000
St. Louis, Missouri 2 $ 480,000 $ 240,000 $ 151,000
Silver Bow, Montana 2 $ 500,000 $ 250,000 $ 135,000
Nye, Nevada 2 $ 330,000 $ 165,000 $ 61,000
Davidson, North Carolina 2 $ 310,000 $ 155,000 $ 55,000
Edgecombe, North Carolina 2 $ 150,000 $ 75,000 $ 73,000
Guilford, North Carolina 2 $ 510,000 $ 255,000 $ 138,000
Wilson, North Carolina 2 $ 490,000 $ 245,000 $ 78,000
Clark, Ohio 2 $ 140,000 $ 70,000 $ 45,000
Miami, Ohio 2 $ 690,000 $ 345,000 $ 95,000
Delaware, Oklahoma 2 $ 440,000 $ 220,000 $ 159,000
Union, Oregon 2 $ 610,000 $ 305,000 $ 48,000
Chesterfield, South Carolina 2 $ 290,000 $ 145,000 $ 30,000
Kershaw, South Carolina 2 $ 480,000 $ 240,000 $ 61,000
Lexington, South Carolina 2 $ 480,000 $ 240,000 $ 40,000
Sumter, South Carolina 2 $ 460,000 $ 230,000 $ 72,000
Cannon, Tennessee 2 $ 300,000 $ 150,000 $ 38,000
DeKalb, Tennessee 2 $ 210,000 $ 105,000 $ 58,000
Franklin, Tennessee 2 $ 500,000 $ 250,000 $ 128,000
Sevier, Tennessee 2 $ 390,000 $ 195,000 $ 44,000
Anderson, Texas 2 $ 750,000 $ 375,000 $ 128,000
Blanco, Texas 2 $ 870,000 $ 435,000 $ 217,000
Burleson, Texas 2 $ 440,000 $ 220,000 $ 120,000
Burnet, Texas 2 $ 710,000 $ 355,000 $ 144,000
Coryell, Texas 2 $ 430,000 $ 215,000 $ 65,000
Ector, Texas 2 $ 450,000 $ 225,000 $ 84,000
Hidalgo, Texas 2 $ 870,000 $ 435,000 $ 501,000
Jefferson, Texas 2 $ 460,000 $ 230,000 $ 49,000
Lampasas, Texas 2 $ 650,000 $ 325,000 $ 171,000
Navarro, Texas 2 $ 440,000 $ 220,000 $ 54,000
Rusk, Texas 2 $ 220,000 $ 110,000 $ 51,000
Victoria, Texas 2 $ 590,000 $ 295,000 $ 88,000
Duchesne, Utah 2 $ 480,000 $ 240,000 $ 52,000
Fluvanna, Virginia 2 $ 310,000 $ 155,000 $ 0
Hampton, Virginia 2 $ 210,000 $ 105,000 $ 48,000
Virginia Beach, Virginia 2 $ 470,000 $ 235,000 $ 0
Okanogan, Washington 2 $ 400,000 $ 200,000 $ 89,000
Pacific, Washington 2 $ 830,000 $ 415,000 $ 125,000
Columbia, Wisconsin 2 $ 760,000 $ 380,000 $ 88,000
Outagamie, Wisconsin 2 $ 540,000 $ 270,000 $ 54,000
Waukesha, Wisconsin 2 $ 590,000 $ 295,000 $ 86,000
Cherokee, Alabama 1 $ 235,000 $ 235,000 $ 189,000
Dale, Alabama 1 $ 195,000 $ 195,000 $ 131,000
DeKalb, Alabama 1 $ 145,000 $ 145,000 $ 38,000
Lauderdale, Alabama 1 $ 85,000 $ 85,000 $ 27,000
Lawrence, Alabama 1 $ 315,000 $ 315,000 $ 109,000
St. Clair, Alabama 1 $ 365,000 $ 365,000 $ 100,000
Baxter, Arkansas 1 $ 215,000 $ 215,000 $ 0
Boone, Arkansas 1 $ 745,000 $ 745,000 $ 160,000
Pulaski, Arkansas 1 $ 275,000 $ 275,000 $ 60,000
Washington, Arkansas 1 $ 265,000 $ 265,000 $ 46,000
Inyo, California 1 $ 365,000 $ 365,000 $ 187,000
Chaffee, Colorado 1 $ 305,000 $ 305,000 $ 115,000
Conejos, Colorado 1 $ 385,000 $ 385,000 $ 74,000
Eagle, Colorado 1 $ 565,000 $ 565,000 $ 172,000
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Mortgage Loan Application Detail Totals for Summit Funding.Inc in 2021

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 18,378 $6,104,890,000 $332,000 $4,205,000 $111,000 $2,809,000
Refinancing 7,894 $2,622,740,000 $332,000 $2,275,000 $129,000 $1,830,000
Cash-out Refinancing 4,814 $1,542,060,000 $320,000 $2,005,000 $107,000 $2,637,000
Other Purpose 243 $72,285,000 $297,000 $1,505,000 $144,000 $1,176,000
Home Improvement 11 $2,985,000 $271,000 $405,000 $141,000 $326,000
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 18,883 $6,342,275,000 $335,000 $4,205,000 $120,000 $2,809,000
Hispanic 5,169 $1,514,495,000 $292,000 $1,705,000 $94,000 $2,637,000
Not Provided 3,452 $1,215,870,000 $352,000 $2,505,000 $121,000 $1,516,000
Black or African American 1,946 $487,120,000 $250,000 $1,495,000 $87,000 $1,207,000
Asian 1,426 $611,540,000 $428,000 $2,805,000 $142,000 $1,659,000
American Indian or Alaskan Native 194 $61,060,000 $314,000 $835,000 $98,000 $253,000
Native Hawaiian or Other Pacific Islander 81 $28,205,000 $348,000 $1,225,000 $111,000 $491,000
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) 24,647 $8,284,795,000 $336,000 $4,205,000 $124,000 $2,809,000
FHA-insured (Federal Housing Administration) 4,650 $1,291,850,000 $277,000 $835,000 $76,000 $1,281,000
VA-guaranteed (Veterans Administration) 1,748 $699,750,000 $400,000 $2,365,000 $95,000 $527,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 295 $68,565,000 $232,000 $505,000 $61,000 $109,000

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 23,647 $7,804,025,000 $330,000 $4,205,000 $114,000 $2,809,000
Application Withdrawn By Applicant 6,166 $2,014,820,000 $326,000 $2,505,000 $121,000 $2,795,000
Application Denied By Financial Institution 1,267 $442,415,000 $349,000 $2,505,000 $106,000 $974,000
Application Approved But Not Accepted 228 $74,330,000 $326,000 $975,000 $111,000 $572,000
File Closed For Incompleteness 25 $7,265,000 $290,000 $515,000 $104,000 $466,000
Loan Purchased By The Institution 7 $2,105,000 $300,000 $665,000 $155,000 $546,000
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
Not applicable 30,073 $9,902,545,000 $329,000 $4,205,000 $115,000 $2,809,000
Collateral 538 $185,430,000 $344,000 $2,505,000 $117,000 $974,000
Debt-To-Income Ratio 354 $130,470,000 $368,000 $1,645,000 $84,000 $483,000
Credit History 149 $45,425,000 $304,000 $1,305,000 $107,000 $498,000
Unverifiable Information 73 $29,715,000 $407,000 $2,245,000 $121,000 $725,000
Other 58 $15,890,000 $273,000 $945,000 $105,000 $472,000
Insufficient Cash (Downpayment, Closing Cost) 38 $14,370,000 $378,000 $1,475,000 $132,000 $499,000
Credit Application Incomplete 35 $13,155,000 $375,000 $925,000 $101,000 $291,000
Employment History 22 $7,960,000 $361,000 $975,000 $85,000 $261,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Summit Funding.Inc's 2021 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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