Mycumortgage Mortgage Lending & HMDA Data, 2025
In 2025, Mycumortgage of Beavercreek, OH reported 1,530 mortgage applications totaling $297.8 million, down 6% from 2024. The average application was for $194,640, and applicants reported an average income of $92,878. 17% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Dayton-Springfield-Kettering, OH (260), Cincinnati, OH-KY-IN (93) and Cleveland, OH (69) (applications in parentheses).
| Mortgage Company & Address | Mycumortgage 3560 Pentagon Blvd. Suite 301 Beavercreek, OH 45431 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 2004 2003 |
| Total Number of Mortgage Applications | 1,530 |
| Total Mortgage Loan Application Amount | $297,800,000 |
| Average Mortgage Loan Application Amount | $194,640 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $92,878 |
| Highest Applicant Income | $782,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mycumortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 483 | $ 78,975,000 | $ 163,509 | $ 90,877 |
| Dayton-Springfield-Kettering, OH | 260 | $ 51,450,000 | $ 197,884 | $ 92,000 |
| Cincinnati, OH-KY-IN | 93 | $ 21,635,000 | $ 232,634 | $ 101,923 |
| Cleveland, OH | 69 | $ 10,625,000 | $ 153,985 | $ 79,000 |
| Columbus, OH | 64 | $ 16,200,000 | $ 253,125 | $ 117,000 |
| Canton-Massillon, OH | 63 | $ 11,025,000 | $ 175,000 | $ 75,000 |
| Huntington-Ashland, WV-KY-OH | 60 | $ 9,990,000 | $ 166,500 | $ 82,679 |
| Lima, OH | 43 | $ 7,205,000 | $ 167,558 | $ 97,000 |
| Springfield, OH | 31 | $ 6,665,000 | $ 215,000 | $ 0 |
| Akron, OH | 19 | $ 2,555,000 | $ 134,473 | $ 101,000 |
| Santa Fe, NM | 19 | $ 5,865,000 | $ 308,684 | $ 53,000 |
| Greensboro-High Point, NC | 18 | $ 3,550,000 | $ 197,222 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 18 | $ 2,590,000 | $ 143,888 | $ 82,000 |
| Louisville/Jefferson County, KY-IN | 14 | $ 2,860,000 | $ 204,285 | $ 118,000 |
| Richmond, VA | 14 | $ 2,980,000 | $ 212,857 | $ 67,000 |
| Flint, MI | 10 | $ 1,620,000 | $ 162,000 | $ 82,000 |
| Modesto, CA | 10 | $ 4,780,000 | $ 478,000 | $ 228,000 |
| Sandusky, OH | 10 | $ 1,640,000 | $ 164,000 | $ 61,000 |
| Knoxville, TN | 9 | $ 2,265,000 | $ 251,666 | $ 122,000 |
| Williamsport, PA | 7 | $ 925,000 | $ 132,142 | $ 75,000 |
| Charleston, WV | 6 | $ 710,000 | $ 118,333 | $ 55,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 6 | $ 1,730,000 | $ 288,333 | $ 160,000 |
| Elgin, IL | 5 | $ 955,000 | $ 191,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,245,000 | $ 249,000 | $ 74,000 |
| Lafayette, LA | 5 | $ 895,000 | $ 179,000 | $ 90,000 |
| Parkersburg-Vienna, WV | 5 | $ 665,000 | $ 133,000 | $ 68,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 2,055,000 | $ 411,000 | $ 102,000 |
| Toledo, OH | 5 | $ 735,000 | $ 147,000 | $ 0 |
| Greenville, NC | 4 | $ 1,140,000 | $ 285,000 | $ 132,000 |
| Indianapolis-Carmel-Anderson, IN | 4 | $ 890,000 | $ 222,500 | $ 195,000 |
| Jacksonville, FL | 4 | $ 520,000 | $ 130,000 | $ 173,000 |
| Lexington-Fayette, KY | 4 | $ 910,000 | $ 227,500 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,270,000 | $ 317,500 | $ 0 |
| Morgantown, WV | 4 | $ 570,000 | $ 142,500 | $ 87,000 |
| Paducah, KY-IL | 4 | $ 570,000 | $ 142,500 | $ 60,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 690,000 | $ 172,500 | $ 0 |
| Staunton-Waynesboro, VA | 4 | $ 660,000 | $ 165,000 | $ 73,000 |
| Winston-Salem, NC | 4 | $ 870,000 | $ 217,500 | $ 0 |
| Chicago-Naperville, IL | 3 | $ 815,000 | $ 271,666 | $ 217,000 |
| El Centro, CA | 3 | $ 1,025,000 | $ 341,666 | $ 109,000 |
| Everett, WA | 3 | $ 995,000 | $ 331,666 | $ 119,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 405,000 | $ 135,000 | $ 68,000 |
| Lakeland-Winter Haven, FL | 3 | $ 705,000 | $ 235,000 | $ 78,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,445,000 | $ 481,666 | $ 153,000 |
| Muncie, IN | 3 | $ 985,000 | $ 328,333 | $ 181,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 565,000 | $ 188,333 | $ 0 |
| Owensboro, KY | 3 | $ 715,000 | $ 238,333 | $ 77,000 |
| Raleigh, NC | 3 | $ 935,000 | $ 311,666 | $ 0 |
| Saginaw, MI | 3 | $ 335,000 | $ 111,666 | $ 50,000 |
| Tampa, FL | 3 | $ 795,000 | $ 265,000 | $ 115,000 |
| Terre Haute, IN | 3 | $ 505,000 | $ 168,333 | $ 48,000 |
| Anaheim-Santa Ana-Irvine, CA | 2 | $ 1,560,000 | $ 780,000 | $ 0 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 340,000 | $ 170,000 | $ 89,000 |
| Elizabethtown-Fort Knox, KY | 2 | $ 640,000 | $ 320,000 | $ 62,000 |
| Erie, PA | 2 | $ 320,000 | $ 160,000 | $ 40,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Fresno, CA | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Hammond, LA | 2 | $ 420,000 | $ 210,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 550,000 | $ 275,000 | $ 0 |
| Lafayette-West Lafayette, IN | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Laredo, TX | 2 | $ 100,000 | $ 50,000 | $ 98,000 |
| Morristown, TN | 2 | $ 930,000 | $ 465,000 | $ 0 |
| New Orleans-Metairie, LA | 2 | $ 440,000 | $ 220,000 | $ 105,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 400,000 | $ 200,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Roanoke, VA | 2 | $ 410,000 | $ 205,000 | $ 107,000 |
| San Antonio-New Braunfels, TX | 2 | $ 500,000 | $ 250,000 | $ 0 |
| San Diego-Carlsbad, CA | 2 | $ 950,000 | $ 475,000 | $ 142,000 |
| Spartanburg, SC | 2 | $ 500,000 | $ 250,000 | $ 98,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 560,000 | $ 280,000 | $ 56,000 |
| Albuquerque, NM | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 355,000 | $ 355,000 | $ 234,000 |
| Austin-Round Rock, TX | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Beckley, WV | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Burlington, NC | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 295,000 | $ 295,000 | $ 99,000 |
| Clarksville, TN-KY | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Columbia, SC | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Decatur, AL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Decatur, IL | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 275,000 | $ 275,000 | $ 58,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Fayetteville, NC | 1 | $ 115,000 | $ 115,000 | $ 122,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 595,000 | $ 595,000 | $ 318,000 |
| Homosassa Springs, FL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Jackson, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Jacksonville, NC | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Kokomo, IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Lake Charles, LA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 455,000 | $ 455,000 | $ 71,000 |
| Lynchburg, VA | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Manhattan, KS | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Mansfield, OH | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Marietta, GA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Midland, MI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Montgomery, AL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 445,000 | $ 445,000 | $ 178,000 |
| Ocala, FL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Peoria, IL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Port St. Lucie, FL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Rockford, IL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 525,000 | $ 525,000 | $ 68,000 |
| Sebastian-Vero Beach, FL | 1 | $ 295,000 | $ 295,000 | $ 0 |
| South Bend-Mishawaka, IN-MI | 1 | $ 195,000 | $ 195,000 | $ 0 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Tacoma-Lakewood, WA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 325,000 | $ 325,000 | $ 82,000 |
| Washington, DC-MD | 1 | $ 405,000 | $ 405,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Wilmington, NC | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Mycumortgage 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 | 1,202 | $243,900,000 | $202,000 | $985,000 | $97,000 | $782,000 |
| Cash-out Refinancing | 261 | $41,145,000 | $157,000 | $565,000 | $79,000 | $162,000 |
| Refinancing | 67 | $12,755,000 | $190,000 | $655,000 | $73,000 | $112,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,048 | $200,220,000 | $191,000 | $805,000 | $0 | $0 |
| White | 278 | $54,730,000 | $196,000 | $795,000 | $92,000 | $782,000 |
| Not Provided | 93 | $20,375,000 | $219,000 | $985,000 | $104,000 | $315,000 |
| Black or African American | 65 | $8,915,000 | $137,000 | $525,000 | $81,000 | $195,000 |
| Hispanic | 42 | $12,780,000 | $304,000 | $805,000 | $112,000 | $217,000 |
| American Indian or Alaskan Native | 2 | $260,000 | $130,000 | $165,000 | $88,000 | $88,000 |
| Asian | 2 | $520,000 | $260,000 | $325,000 | $65,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,075 | $199,255,000 | $185,000 | $985,000 | $122,000 | $782,000 |
| FHA-insured (Federal Housing Administration) | 313 | $61,925,000 | $197,000 | $495,000 | $82,000 | $217,000 |
| VA-guaranteed (Veterans Administration) | 107 | $30,735,000 | $287,000 | $725,000 | $43,000 | $43,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $5,885,000 | $168,000 | $315,000 | $56,000 | $56,000 |
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 Purchased By The Institution | 1,045 | $199,775,000 | $191,000 | $805,000 | $0 | $0 |
| Loan Originated | 253 | $54,025,000 | $213,000 | $805,000 | $97,000 | $782,000 |
| Application Denied By Financial Institution | 87 | $12,595,000 | $144,000 | $575,000 | $65,000 | $125,000 |
| Application Withdrawn By Applicant | 62 | $14,560,000 | $234,000 | $985,000 | $122,000 | $122,000 |
| File Closed For Incompleteness | 50 | $9,320,000 | $186,000 | $645,000 | $104,000 | $178,000 |
| Application Approved But Not Accepted | 31 | $7,025,000 | $226,000 | $805,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 2 | $500,000 | $250,000 | $335,000 | $109,000 | $180,000 |
| 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 | 1,443 | $285,205,000 | $197,000 | $985,000 | $97,000 | $782,000 |
| Credit History | 38 | $4,670,000 | $122,000 | $495,000 | $83,000 | $87,000 |
| Debt-To-Income Ratio | 28 | $4,300,000 | $153,000 | $525,000 | $64,000 | $125,000 |
| Collateral | 14 | $2,640,000 | $188,000 | $575,000 | $0 | $0 |
| Employment History | 3 | $455,000 | $151,000 | $205,000 | $54,000 | $86,000 |
| Other | 2 | $250,000 | $125,000 | $195,000 | $0 | $0 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $90,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mycumortgage'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 Mycumortgage'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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with aggregated HMDA statistics today.
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