AllMortgageDetail - Mortgage Application Details

The Huntington National Bank
Mortgage Loan Application
Totals and Details
for 2014

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Mortgage Company & Address The Huntington National Bank
7575 Huntington Park Dr, Hm2122
Columbus, OH 43235
Federal Regulator Consumer Financial Protection Bureau (CFPB)
Years 2014  2013  2012  2011  
Total Number of Mortgage Applications 44,107
Total Mortgage Loan Application Amount $6,054,260,000
Average Mortgage Loan Application Amount $188,355
Highest Mortgage Loan Application Amount $34,000,000
Average Applicant Income $126,809
Highest Applicant Income $9,999,000

Mortgage Loan Application Detail Totals for The Huntington National Bank in 2014

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 22,377 $2,706,400,000 $120,000 $14,000,000 $83,000 $7,687,000
Home Purchase 16,369 $3,082,850,000 $188,000 $28,000,000 $100,000 $9,999,000
Home Improvement 5,361 $265,010,000 $49,000 $34,000,000 $62,000 $4,072,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 37,709 $5,028,113,000 $133,000 $8,750,000 $88,000 $9,999,000
Black or African American 2,424 $212,213,000 $87,000 $1,775,000 $61,000 $1,969,000
Not Provided 1,895 $232,163,000 $122,000 $1,550,000 $89,000 $1,743,000
Hispanic 1,048 $106,006,000 $101,000 $1,000,000 $67,000 $780,000
Asian 722 $164,819,000 $228,000 $2,300,000 $134,000 $2,000,000
American Indian or Alaskan Native 136 $17,747,000 $130,000 $988,000 $84,000 $350,000
Native Hawaiin or Other Pacific Islander 89 $11,109,000 $124,000 $626,000 $109,000 $409,000
Not applicable 84 $282,090,000 $3,358,000 $34,000,000 $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) 37,635 $5,256,078,000 $139,000 $34,000,000 $92,000 $9,999,000
FHA-insured (Federal Housing Administration) 4,772 $571,619,000 $119,000 $347,000 $58,000 $775,000
VA-guaranteed (Veterans Administration) 980 $149,089,000 $152,000 $575,000 $69,000 $453,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 720 $77,474,000 $107,000 $349,000 $44,000 $120,000

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 21,452 $3,561,346,000 $166,000 $34,000,000 $98,000 $9,999,000
Application Denied By Financial Institution 17,332 $1,697,001,000 $97,000 $2,800,000 $72,000 $4,256,000
Loan Purchased By The Institution 2,857 $434,863,000 $152,000 $617,000 $76,000 $2,033,000
Application Withdrawn By Applicant 1,001 $150,119,000 $149,000 $1,120,000 $98,000 $4,800,000
Application Approved But Not Accepted 789 $125,589,000 $159,000 $2,840,000 $92,000 $1,721,000
File Closed For Incompleteness 676 $85,342,000 $126,000 $873,000 $97,000 $4,992,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 6,730 $439,395,000 $65,000 $2,600,000 $61,000 $4,256,000
Credit Application Incomplete 4,435 $532,164,000 $119,000 $2,800,000 $87,000 $2,386,000
Collateral 3,638 $419,574,000 $115,000 $2,000,000 $85,000 $3,042,000
Debt-To-Income Ratio 2,013 $234,271,000 $116,000 $2,032,000 $49,000 $657,000
Other 247 $40,283,000 $163,000 $2,300,000 $121,000 $4,072,000
Insufficient Cash (Downpayment, Closing Cost) 115 $13,017,000 $113,000 $605,000 $89,000 $1,720,000
Unverifiable Information 106 $12,649,000 $119,000 $987,000 $69,000 $303,000
Employment History 44 $5,069,000 $115,000 $347,000 $68,000 $311,000
Mortgage Insurance Denied 3 $501,000 $167,000 $284,000 $94,000 $149,000