Lima, OH Metro Area Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 4,721 mortgage applications in Lima, OH metro area totaling $527.2 million, up 27% from 2011. The average application was for $111,678, and applicants reported an average income of $74,000. 62% of applications resulted in an originated loan and 17% were denied. The most active lender was Superior Federal Credit Union, with 1,180 applications, followed by The Citizens National Bank and Premier Bank.

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Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Ohio.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 4,721
Total Mortgage Loan Application Amount $527,233,000
Average Mortgage Loan Application Amount $111,678
Highest Mortgage Loan Application Amount $9,937,000
Average Applicant Income $74,000
Highest Applicant Income $9,999,000

Mortgage Company List for Lending in Lima, OH for 2012

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Superior Federal Credit Union
4230 ELIDA RD
LIMA, OH 45807
* $ 376,788,000 1,180 $ 130,016,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 589,411,000 473 $ 57,944,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,053,207,000 444 $ 52,970,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 359 $ 35,630,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 586,354,000 357 $ 39,384,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 315 $ 29,561,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 178 $ 18,856,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 177 $ 20,410,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 154 $ 9,321,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 624,898,000 145 $ 16,424,000
First National Bank of Pandora
102 E. MAIN ST
PANDORA, OH 45877
* $ 132,098,000 100 $ 10,933,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 85 $ 8,691,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 48 $ 3,607,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 36 $ 3,821,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 33 $ 2,740,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 27 $ 3,117,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 26 $ 4,952,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 22 $ 1,880,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 21 $ 1,654,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 21 $ 2,095,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 19 $ 2,565,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 18 $ 2,120,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 564,074,000 16 $ 1,587,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 15 $ 1,469,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 14 $ 1,775,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 14 $ 1,652,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 13 $ 1,504,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 12 $ 153,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 10 $ 121,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 10 $ 854,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 10 $ 1,273,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 10 $ 1,661,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 9 $ 1,375,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,474,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 8 $ 763,000
Liberty National Bank
100 EAST FRANKLIN STREET
KENTON, OH 43326
* $ 203,200,000 8 $ 1,636,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 8 $ 335,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 683,045,000 8 $ 694,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 8 $ 702,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 8 $ 1,604,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 8 $ 999,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 7 $ 741,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 7 $ 716,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 7 $ 927,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 7 $ 596,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 7 $ 10,537,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 7 $ 877,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 6 $ 935,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 6 $ 702,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 6 $ 666,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 283,544,000 6 $ 822,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 6 $ 55,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 5 $ 573,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 5 $ 841,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 5 $ 1,043,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 5 $ 464,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 545,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 4 $ 422,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 454,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,361,669,000 4 $ 250,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 4 $ 428,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,663,427,000 4 $ 426,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,218,607,000 4 $ 596,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 3 $ 147,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,281,747,000 3 $ 85,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 3 $ 391,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 3 $ 172,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 3 $ 426,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 195,395,000 3 $ 70,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 3 $ 252,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 3 $ 335,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 75,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 3 $ 321,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 3 $ 219,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 344,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 3 $ 322,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 3 $ 317,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 3 $ 370,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 138,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 2 $ 326,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 2 $ 599,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ 10,000,000 2 $ 3,831,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ 31,000,000 2 $ 86,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 2 $ 190,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 340,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 92,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 2 $ 264,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 184,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 2 $ 460,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 2 $ 218,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 2 $ 222,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 2 $ 43,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 130,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 2 $ 204,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 239,610,000 2 $ 101,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 2 $ 176,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 434,477,000 2 $ 289,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 284,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 619,450,000 2 $ 325,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 111,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 2 $ 149,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 111,938,000 1 $ 106,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 126,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 673,291,000 1 $ 120,000
Fme Federal Credit Union
29624 HARPER
ST CLAIR SHORES, MI 48082
* $ 74,764,000 1 $ 60,000
First Nb of Muskogee
P O BOX 308
ROLAND, OK 74954
* $ 175,000,000 1 $ 67,000
BNC National Bank

BISMARCK, ND 58501
* $ 662,437,000 1 $ 263,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 142,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 346,368,000 1 $ 95,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 72,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 80,000
The First Citizens National Bank of Upper Sandusky
100 N. SANDUSKY AVENUE
UPPER SANDUSKY, OH 43351
* $ 220,248,000 1 $ 48,000
The Bank of Kentucky
111 LOOKOUT FARM DR
CRESTVIEW HILLS, KY 41017
* $ 1,743,596,000 1 $ 2,950,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ 327,959,000 1 $ 85,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 583,350,000 1 $ 220,000
Portage Community Bank
1311 E. MAIN ST.
RAVENNA, OHIO, OH 44266
* $ 268,442,000 1 $ 58,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 122,000
Usx Federal Credit Union
PO BOX 1728
CRANBERRY TWP., PA 16066
* $ 194,681,000 1 $ 144,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 4,231,076,000 1 $ 100,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 663,477,000 1 $ 50,000
First Service
100 MAIN ST
GROVEPORT, OH 43125
* $ 129,021,000 1 $ 25,000
Dubuque Bank and Trust Company
1398 CENTRAL AVENUE
DUBUQUE, IA 52001
* $ 1,382,225,000 1 $ 96,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ 2,604,836,000 1 $ 74,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 39,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 94,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 33,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 133,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,181,267,000 1 $ 39,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 12,527,568,000 1 $ 136,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 46,000
HSBC Bank USA, NA

CHICAGO, IL 60606
* $ 206,009,683,000 1 $ 177,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,018,418,000 1 $ 126,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 102,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 11,000,000 1 $ 126,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 94,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 102,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 77,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 153,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 154,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 73,000
Home Finance of America
521 PLYMOUTH ROAD, SUITE 112
PLYMOUTH MEETING, PA 19462
* $ 17,371,000 1 $ 122,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 138,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 53,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 101,000

The tables below break down 2012 mortgage applications in Lima, OH metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Lima, OH in 2012

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 3,482 $402,796,000 $115,000 $9,937,000 $74,000 $4,904,000
Home Purchase 1,090 $114,107,000 $104,000 $628,000 $76,000 $9,999,000
Home Improvement 149 $10,330,000 $69,000 $2,072,000 $61,000 $303,000

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 4,106 $442,994,000 $107,000 $599,000 $72,000 $4,904,000
Black or African American 194 $19,545,000 $100,000 $778,000 $60,000 $500,000
Not Provided 170 $19,132,000 $112,000 $399,000 $114,000 $8,296,000
Not applicable 162 $32,477,000 $200,000 $9,937,000 $70,000 $9,999,000
Hispanic 46 $5,043,000 $109,000 $394,000 $85,000 $708,000
Asian 27 $5,615,000 $207,000 $417,000 $127,000 $459,000
American Indian or Alaskan Native 14 $2,114,000 $151,000 $483,000 $260,000 $1,069,000
Native Hawaiian or Other Pacific Islander 2 $313,000 $156,000 $210,000 $70,000 $85,000

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) 3,866 $431,215,000 $111,000 $9,937,000 $81,000 $9,999,000
FHA-insured (Federal Housing Administration) 592 $64,700,000 $109,000 $2,072,000 $40,000 $175,000
VA-guaranteed (Veterans Administration) 162 $20,512,000 $126,000 $410,000 $45,000 $465,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 101 $10,806,000 $106,000 $255,000 $38,000 $96,000

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 2,916 $342,866,000 $117,000 $9,937,000 $82,000 $9,999,000
Application Denied By Financial Institution 817 $76,794,000 $93,000 $628,000 $58,000 $720,000
Application Withdrawn By Applicant 311 $35,343,000 $113,000 $432,000 $64,000 $500,000
Loan Purchased By The Institution 308 $30,343,000 $98,000 $417,000 $34,000 $204,000
Application Approved But Not Accepted 257 $28,481,000 $110,000 $397,000 $64,000 $500,000
File Closed For Incompleteness 112 $13,406,000 $119,000 $500,000 $123,000 $4,904,000
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 313 $25,657,000 $81,000 $628,000 $59,000 $720,000
Collateral 167 $16,793,000 $100,000 $329,000 $65,000 $215,000
Debt-To-Income Ratio 113 $12,628,000 $111,000 $375,000 $46,000 $199,000
Credit Application Incomplete 93 $9,303,000 $100,000 $416,000 $68,000 $293,000
Other 44 $4,385,000 $99,000 $314,000 $57,000 $160,000
Insufficient Cash (Downpayment, Closing Cost) 14 $1,255,000 $89,000 $191,000 $56,000 $115,000
Employment History 9 $693,000 $77,000 $150,000 $29,000 $61,000
Unverifiable Information 6 $416,000 $69,000 $130,000 $48,000 $106,000
Mortgage Insurance Denied 1 $120,000 $120,000 $120,000 $56,000 $56,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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