Dart Bank Mortgage Lending & HMDA Data, 2025
In 2025, Dart Bank of Mason, MI reported 5,500 mortgage applications totaling $2.0 billion, up 82% from 2024. The average application was for $358,994, and applicants reported an average income of $174,247. 74% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Lansing-East Lansing, MI (1,314), Warren-Troy-Farmington Hills, MI (455) and Grand Rapids-Wyoming, MI (393) (applications in parentheses).
| Mortgage Company & Address | Dart Bank 368 S. Park St. Mason, MI 48854 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 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,500 |
| Total Mortgage Loan Application Amount | $1,974,470,000 |
| Average Mortgage Loan Application Amount | $358,994 |
| Highest Mortgage Loan Application Amount | $10,015,000 |
| Average Applicant Income | $174,247 |
| Highest Applicant Income | $2,358,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Dart Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Lansing-East Lansing, MI | 1,314 | $ 324,230,000 | $ 246,750 | $ 158,000 |
| Outside any metro area | 670 | $ 178,280,000 | $ 266,089 | $ 158,068 |
| Warren-Troy-Farmington Hills, MI | 455 | $ 174,905,000 | $ 384,406 | $ 205,000 |
| Grand Rapids-Wyoming, MI | 393 | $ 117,755,000 | $ 299,631 | $ 143,000 |
| New York-Jersey City-White Plains, NY-NJ | 275 | $ 189,815,000 | $ 690,236 | $ 246,000 |
| Jackson, MI | 224 | $ 57,760,000 | $ 257,857 | $ 147,000 |
| Ann Arbor, MI | 153 | $ 55,675,000 | $ 363,888 | $ 213,000 |
| Arlington-Alexandria-Reston, VA-WV | 145 | $ 74,535,000 | $ 514,034 | $ 155,475 |
| Nassau County-Suffolk County, NY | 144 | $ 81,530,000 | $ 566,180 | $ 228,000 |
| Flint, MI | 123 | $ 36,765,000 | $ 298,902 | $ 162,000 |
| Detroit-Dearborn-Livonia, MI | 80 | $ 22,360,000 | $ 279,500 | $ 159,000 |
| Washington, DC-MD | 65 | $ 27,965,000 | $ 430,230 | $ 119,230 |
| Louisville/Jefferson County, KY-IN | 56 | $ 16,420,000 | $ 293,214 | $ 120,571 |
| Washington-Baltimore-Arlington, DC | 54 | $ 27,420,000 | $ 507,777 | $ 173,000 |
| Traverse City, MI | 49 | $ 20,455,000 | $ 417,448 | $ 279,000 |
| Baltimore-Columbia-Towson, MD | 46 | $ 17,900,000 | $ 389,130 | $ 124,000 |
| Anaheim-Santa Ana-Irvine, CA | 45 | $ 34,595,000 | $ 768,777 | $ 269,000 |
| Los Angeles-Long Beach-Glendale, CA | 45 | $ 33,105,000 | $ 735,666 | $ 240,000 |
| Saginaw, MI | 45 | $ 11,885,000 | $ 264,111 | $ 119,000 |
| Bridgeport-Stamford-Norwalk, CT | 44 | $ 27,420,000 | $ 623,181 | $ 208,000 |
| Chicago-Naperville, IL | 44 | $ 16,110,000 | $ 366,136 | $ 125,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 44 | $ 20,430,000 | $ 464,318 | $ 196,000 |
| Indianapolis-Carmel-Anderson, IN | 42 | $ 10,410,000 | $ 247,857 | $ 85,000 |
| Battle Creek, MI | 37 | $ 8,405,000 | $ 227,162 | $ 125,000 |
| Youngstown-Warren-Boardman, OH-PA | 37 | $ 8,085,000 | $ 218,513 | $ 93,000 |
| Midland, MI | 34 | $ 11,980,000 | $ 352,352 | $ 160,000 |
| Richmond, VA | 34 | $ 10,820,000 | $ 318,235 | $ 118,000 |
| Cambridge-Newton-Framingham, MA | 33 | $ 20,515,000 | $ 621,666 | $ 247,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 33 | $ 14,345,000 | $ 434,696 | $ 161,000 |
| Riverside-San Bernardino-Ontario, CA | 28 | $ 14,050,000 | $ 501,785 | $ 191,000 |
| Muskegon, MI | 25 | $ 6,725,000 | $ 269,000 | $ 150,000 |
| Oakland-Hayward-Berkeley, CA | 25 | $ 20,245,000 | $ 809,800 | $ 270,000 |
| North Port-Sarasota-Bradenton, FL | 22 | $ 9,080,000 | $ 412,727 | $ 278,000 |
| Dallas-Plano-Irving, TX | 21 | $ 7,335,000 | $ 349,285 | $ 185,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 20 | $ 6,800,000 | $ 340,000 | $ 132,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 10,145,000 | $ 533,947 | $ 250,000 |
| Boston, MA | 18 | $ 10,200,000 | $ 566,666 | $ 246,000 |
| San Diego-Carlsbad, CA | 18 | $ 12,940,000 | $ 718,888 | $ 226,000 |
| Montgomery County-Bucks County-Chester County, PA | 16 | $ 8,390,000 | $ 524,375 | $ 179,000 |
| Austin-Round Rock, TX | 15 | $ 5,395,000 | $ 359,666 | $ 244,000 |
| Houston-The Woodlands-Sugar Land, TX | 15 | $ 4,065,000 | $ 271,000 | $ 131,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 4,705,000 | $ 361,923 | $ 140,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 13 | $ 7,275,000 | $ 559,615 | $ 278,000 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 3,580,000 | $ 298,333 | $ 135,000 |
| Charlotte-Concord-Gastonia, NC-SC | 11 | $ 3,615,000 | $ 328,636 | $ 146,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 5,325,000 | $ 484,090 | $ 213,000 |
| Monroe, MI | 11 | $ 4,055,000 | $ 368,636 | $ 199,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 11 | $ 7,815,000 | $ 710,454 | $ 192,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 10,335,000 | $ 939,545 | $ 293,000 |
| Syracuse, NY | 11 | $ 3,005,000 | $ 273,181 | $ 149,000 |
| Hagerstown-Martinsburg, MD-WV | 10 | $ 3,010,000 | $ 301,000 | $ 81,500 |
| Kalamazoo-Portage, MI | 10 | $ 3,450,000 | $ 345,000 | $ 140,000 |
| Fort Worth-Arlington, TX | 9 | $ 2,995,000 | $ 332,777 | $ 108,000 |
| Kansas City, MO-KS | 9 | $ 2,475,000 | $ 275,000 | $ 93,000 |
| San Rafael, CA | 9 | $ 8,385,000 | $ 931,666 | $ 353,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 2,785,000 | $ 309,444 | $ 110,000 |
| Waterbury-Shelton, CT | 9 | $ 3,455,000 | $ 383,888 | $ 152,000 |
| Bay City, MI | 8 | $ 3,280,000 | $ 410,000 | $ 143,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 4,595,000 | $ 656,428 | $ 278,000 |
| Miami-Miami Beach-Kendall, FL | 7 | $ 3,475,000 | $ 496,428 | $ 262,000 |
| New Haven-Milford, CT | 7 | $ 3,185,000 | $ 455,000 | $ 150,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,675,000 | $ 239,285 | $ 125,000 |
| Punta Gorda, FL | 7 | $ 2,615,000 | $ 373,571 | $ 229,000 |
| Tampa, FL | 7 | $ 2,585,000 | $ 369,285 | $ 163,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 4,445,000 | $ 635,000 | $ 231,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 3,370,000 | $ 561,666 | $ 289,000 |
| Niles-Benton Harbor, MI | 6 | $ 2,320,000 | $ 386,666 | $ 209,000 |
| Rochester, NY | 6 | $ 1,450,000 | $ 241,666 | $ 172,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,880,000 | $ 313,333 | $ 149,000 |
| Worcester, MA-CT | 6 | $ 2,810,000 | $ 468,333 | $ 151,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,335,000 | $ 267,000 | $ 146,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 5,205,000 | $ 1,041,000 | $ 397,000 |
| Elgin, IL | 5 | $ 2,035,000 | $ 407,000 | $ 148,000 |
| Fresno, CA | 5 | $ 2,215,000 | $ 443,000 | $ 140,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 5 | $ 2,245,000 | $ 449,000 | $ 358,000 |
| Ocala, FL | 5 | $ 1,295,000 | $ 259,000 | $ 74,000 |
| Philadelphia, PA | 5 | $ 1,755,000 | $ 351,000 | $ 159,000 |
| Pittsburgh, PA | 5 | $ 2,485,000 | $ 497,000 | $ 351,000 |
| Port St. Lucie, FL | 5 | $ 1,485,000 | $ 297,000 | $ 96,000 |
| Portland-South Portland, ME | 5 | $ 1,855,000 | $ 371,000 | $ 150,000 |
| Raleigh, NC | 5 | $ 1,915,000 | $ 383,000 | $ 231,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 3,445,000 | $ 689,000 | $ 253,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 5 | $ 1,855,000 | $ 371,000 | $ 94,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 1,310,000 | $ 327,500 | $ 131,500 |
| Columbus, OH | 4 | $ 1,310,000 | $ 327,500 | $ 196,000 |
| Fort Wayne, IN | 4 | $ 1,220,000 | $ 305,000 | $ 155,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,530,000 | $ 382,500 | $ 135,000 |
| Harrisburg-Carlisle, PA | 4 | $ 2,050,000 | $ 512,500 | $ 171,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 2,180,000 | $ 545,000 | $ 840,000 |
| Oklahoma City, OK | 4 | $ 1,010,000 | $ 252,500 | $ 93,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,670,000 | $ 417,500 | $ 179,500 |
| Santa Rosa, CA | 4 | $ 2,440,000 | $ 610,000 | $ 147,000 |
| St. Louis, MO-IL | 4 | $ 1,050,000 | $ 262,500 | $ 72,000 |
| Akron, OH | 3 | $ 865,000 | $ 288,333 | $ 113,000 |
| Birmingham-Hoover, AL | 3 | $ 1,095,000 | $ 365,000 | $ 380,000 |
| Jacksonville, FL | 3 | $ 705,000 | $ 235,000 | $ 269,000 |
| Lexington-Fayette, KY | 3 | $ 755,000 | $ 251,666 | $ 69,000 |
| Marietta, GA | 3 | $ 1,205,000 | $ 401,666 | $ 241,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 765,000 | $ 255,000 | $ 46,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 1,235,000 | $ 411,666 | $ 176,333 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 1,025,000 | $ 341,666 | $ 200,000 |
| Stockton-Lodi, CA | 3 | $ 1,705,000 | $ 568,333 | $ 178,000 |
| Wildwood-The Villages, FL | 3 | $ 1,505,000 | $ 501,666 | $ 227,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 540,000 | $ 270,000 | $ 135,000 |
| Barnstable Town, MA | 2 | $ 960,000 | $ 480,000 | $ 513,000 |
| Binghamton, NY | 2 | $ 390,000 | $ 195,000 | $ 174,000 |
| Bremerton-Silverdale, WA | 2 | $ 930,000 | $ 465,000 | $ 108,000 |
| Charleston-North Charleston, SC | 2 | $ 1,060,000 | $ 530,000 | $ 418,000 |
| Cincinnati, OH-KY-IN | 2 | $ 1,090,000 | $ 545,000 | $ 1,157,000 |
| Durham-Chapel Hill, NC | 2 | $ 760,000 | $ 380,000 | $ 172,000 |
| Fayetteville, NC | 2 | $ 460,000 | $ 230,000 | $ 62,000 |
| Florence, SC | 2 | $ 400,000 | $ 200,000 | $ 75,000 |
| Greensboro-High Point, NC | 2 | $ 900,000 | $ 450,000 | $ 131,000 |
| Kingston, NY | 2 | $ 830,000 | $ 415,000 | $ 151,000 |
| Knoxville, TN | 2 | $ 570,000 | $ 285,000 | $ 138,000 |
| Kokomo, IN | 2 | $ 630,000 | $ 315,000 | $ 147,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 470,000 | $ 235,000 | $ 85,000 |
| Lexington Park, MD | 2 | $ 1,190,000 | $ 595,000 | $ 318,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 1,070,000 | $ 535,000 | $ 109,000 |
| Providence-Warwick, RI-MA | 2 | $ 730,000 | $ 365,000 | $ 219,000 |
| Salt Lake City, UT | 2 | $ 1,120,000 | $ 560,000 | $ 362,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 720,000 | $ 360,000 | $ 147,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,580,000 | $ 790,000 | $ 280,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,520,000 | $ 760,000 | $ 215,000 |
| Toledo, OH | 2 | $ 520,000 | $ 260,000 | $ 310,000 |
| Winchester, VA-WV | 2 | $ 390,000 | $ 195,000 | $ 130,000 |
| Abilene, TX | 1 | $ 75,000 | $ 75,000 | $ 223,000 |
| Albany, GA | 1 | $ 205,000 | $ 205,000 | $ 75,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Asheville, NC | 1 | $ 375,000 | $ 375,000 | $ 94,000 |
| Athens-Clarke County, GA | 1 | $ 55,000 | $ 55,000 | $ 100,000 |
| Bakersfield, CA | 1 | $ 415,000 | $ 415,000 | $ 125,000 |
| Bend-Redmond, OR | 1 | $ 375,000 | $ 375,000 | $ 81,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| Bloomington, IN | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Brownsville-Harlingen, TX | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 395,000 | $ 395,000 | $ 108,000 |
| Charlottesville, VA | 1 | $ 445,000 | $ 445,000 | $ 146,000 |
| Cleveland, OH | 1 | $ 275,000 | $ 275,000 | $ 683,000 |
| Coeur D'Alene, ID | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Colorado Springs, CO | 1 | $ 365,000 | $ 365,000 | $ 198,000 |
| Columbia, SC | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Dover, DE | 1 | $ 275,000 | $ 275,000 | $ 156,000 |
| El Centro, CA | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Elkhart-Goshen, IN | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Eugene, OR | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Everett, WA | 1 | $ 635,000 | $ 635,000 | $ 249,000 |
| Gainesville, FL | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Grand Junction, CO | 1 | $ 425,000 | $ 425,000 | $ 104,000 |
| Greeley, CO | 1 | $ 575,000 | $ 575,000 | $ 184,000 |
| Greenville, NC | 1 | $ 265,000 | $ 265,000 | $ 122,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 235,000 | $ 235,000 | $ 123,000 |
| Huntsville, AL | 1 | $ 265,000 | $ 265,000 | $ 74,000 |
| Jacksonville, NC | 1 | $ 385,000 | $ 385,000 | $ 114,000 |
| Joplin, MO | 1 | $ 345,000 | $ 345,000 | $ 203,000 |
| Kenosha, WI | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 165,000 | $ 165,000 | $ 68,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 495,000 | $ 495,000 | $ 143,000 |
| Lakeland-Winter Haven, FL | 1 | $ 155,000 | $ 155,000 | $ 105,000 |
| Lancaster, PA | 1 | $ 305,000 | $ 305,000 | $ 311,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 405,000 | $ 405,000 | $ 102,000 |
| Madison, WI | 1 | $ 75,000 | $ 75,000 | $ 475,000 |
| Manchester-Nashua, NH | 1 | $ 455,000 | $ 455,000 | $ 166,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 205,000 | $ 205,000 | $ 174,000 |
| Norwich-New London, CT | 1 | $ 235,000 | $ 235,000 | $ 145,000 |
| Oshkosh-Neenah, WI | 1 | $ 275,000 | $ 275,000 | $ 89,000 |
| Panama City, FL | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 385,000 | $ 385,000 | $ 206,000 |
| Reading, PA | 1 | $ 325,000 | $ 325,000 | $ 218,000 |
| Rockingham County-Strafford County, NH | 1 | $ 465,000 | $ 465,000 | $ 243,000 |
| Salem, OR | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Salinas, CA | 1 | $ 525,000 | $ 525,000 | $ 140,000 |
| San Antonio-New Braunfels, TX | 1 | $ 415,000 | $ 415,000 | $ 327,000 |
| Sebastian-Vero Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 68,000 |
| St. George, UT | 1 | $ 305,000 | $ 305,000 | $ 82,000 |
| Staunton-Waynesboro, VA | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Tucson, AZ | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Tyler, TX | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Utica-Rome, NY | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Vallejo-Fairfield, CA | 1 | $ 625,000 | $ 625,000 | $ 91,000 |
| Wilmington, NC | 1 | $ 485,000 | $ 485,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Dart 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 | 4,033 | $1,531,275,000 | $379,000 | $10,015,000 | $175,000 | $2,358,000 |
| Refinancing | 639 | $276,045,000 | $431,000 | $4,805,000 | $179,000 | $1,261,000 |
| Cash-out Refinancing | 288 | $93,980,000 | $326,000 | $1,855,000 | $165,000 | $1,319,000 |
| Home Improvement | 273 | $30,875,000 | $113,000 | $765,000 | $162,000 | $2,354,000 |
| Other Purpose | 267 | $42,295,000 | $158,000 | $855,000 | $174,000 | $1,414,000 |
| 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 | 3,932 | $1,328,910,000 | $337,000 | $2,005,000 | $177,000 | $2,354,000 |
| Not Provided | 550 | $232,840,000 | $423,000 | $2,755,000 | $197,000 | $2,358,000 |
| Hispanic | 380 | $136,200,000 | $358,000 | $1,625,000 | $146,000 | $1,106,000 |
| Asian | 363 | $163,485,000 | $450,000 | $1,655,000 | $166,000 | $785,000 |
| Black or African American | 222 | $78,830,000 | $355,000 | $1,855,000 | $135,000 | $475,000 |
| American Indian or Alaskan Native | 27 | $7,875,000 | $291,000 | $895,000 | $186,000 | $1,982,000 |
| Not applicable | 24 | $25,760,000 | $1,073,000 | $10,015,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 2 | $570,000 | $285,000 | $425,000 | $95,000 | $140,000 |
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) | 4,819 | $1,741,355,000 | $361,000 | $10,015,000 | $183,000 | $2,358,000 |
| FHA-insured (Federal Housing Administration) | 546 | $175,460,000 | $321,000 | $955,000 | $100,000 | $395,000 |
| VA-guaranteed (Veterans Administration) | 124 | $55,370,000 | $446,000 | $1,355,000 | $146,000 | $485,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $2,285,000 | $207,000 | $295,000 | $84,000 | $123,000 |
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 | 4,084 | $1,454,800,000 | $356,000 | $2,755,000 | $179,000 | $2,358,000 |
| Application Withdrawn By Applicant | 800 | $257,280,000 | $321,000 | $1,975,000 | $164,000 | $1,980,000 |
| Application Denied By Financial Institution | 408 | $147,480,000 | $361,000 | $1,865,000 | $135,000 | $1,982,000 |
| Application Approved But Not Accepted | 203 | $113,425,000 | $558,000 | $10,015,000 | $186,000 | $1,100,000 |
| Loan Purchased By The Institution | 5 | $1,485,000 | $297,000 | $775,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 5,092 | $1,826,990,000 | $358,000 | $10,015,000 | $177,000 | $2,358,000 |
| Debt-To-Income Ratio | 168 | $68,870,000 | $409,000 | $1,855,000 | $112,000 | $542,000 |
| Credit History | 88 | $17,990,000 | $204,000 | $1,865,000 | $117,000 | $817,000 |
| Collateral | 57 | $27,185,000 | $476,000 | $1,745,000 | $211,000 | $1,112,000 |
| Other | 56 | $20,650,000 | $368,000 | $1,415,000 | $149,000 | $478,000 |
| Employment History | 14 | $4,230,000 | $302,000 | $1,045,000 | $88,000 | $229,000 |
| Unverifiable Information | 13 | $5,315,000 | $408,000 | $895,000 | $273,000 | $1,982,000 |
| Credit Application Incomplete | 6 | $1,360,000 | $226,000 | $435,000 | $83,000 | $143,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,880,000 | $313,000 | $775,000 | $81,000 | $206,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Dart 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 Dart 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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