Mackinac County, MI Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 434 mortgage applications in Mackinac County, MI totaling $69.4 million, up 28% from 2019. The average application was for $159,000, and applicants reported an average income of $114,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Huntington National Bank, with 24 applications, followed by Mbank and Wells Fargo Bank NA.
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| 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 | 434 |
| Total Mortgage Loan Application Amount | $69,390,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $1,305,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $1,541,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 24 | $ 3,810,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 1,316,588,000 | 20 | $ 2,960,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 16 | $ 2,430,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 13 | $ 3,135,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 10 | $ 1,640,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 6,863,398,000 | 9 | $ 1,485,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 8 | $ 1,240,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 8 | $ 920,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,005,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 4,730,630,000 | 7 | $ 995,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 7 | $ 1,255,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 3,614,957,000 | 6 | $ 970,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 6 | $ 1,140,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 1,560,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 6 | $ 1,240,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,563,694,000 | 6 | $ 1,040,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 6 | $ 830,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 515,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 5 | $ 715,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 605,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 5 | $ 325,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 685,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 5 | $ 515,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 4 | $ 520,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 4 | $ 590,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 4 | $ 410,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,487,658,000 | 4 | $ 610,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 525,007,000 | 4 | $ 460,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 4 | $ 470,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 4 | $ 620,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 535,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 325,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 3 | $ 465,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,766,990,000 | 3 | $ 615,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 245,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 225,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 585,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 460,693,000 | 3 | $ 495,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 515,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 3 | $ 965,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 465,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 1,013,236,000 | 3 | $ 275,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 3 | $ 185,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 500,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 3,439,822,000 | 2 | $ 180,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 220,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 1,029,694,000 | 2 | $ 710,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 160,000 |
| Chickasaw Community Bank 909 S MERIDIAN AVE OKLAHOMA CITY, OK 73142 |
* | $ 198,963,000 | 2 | $ 170,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,763,432,000 | 2 | $ 200,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 140,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 340,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 170,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 220,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 190,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 340,000 |
| Level One Bank 32991 HAMILTON COURT FARMINGTON HILLS, MI 48334 |
* | $ 1,582,399,000 | 2 | $ 580,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,847,190,000 | 2 | $ 480,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 350,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 250,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 240,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 430,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 2 | $ 710,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 342,573,000 | 2 | $ 280,000 |
| Monroe Community Credit Union 715 N TELEGRAPH ROAD MONROE, MI 48162 |
* | $ 222,718,000 | 1 | $ 45,000 |
| Thumb Bank & Trust 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 274,254,000 | 1 | $ 255,000 |
| Forward Bank 1001 N CENTRAL AVE MARSHFIELD, WI 54449 |
* | $ 593,817,000 | 1 | $ 175,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 2,370,725,000 | 1 | $ 95,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 740,859,000 | 1 | $ 215,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 844,894,000 | 1 | $ 25,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 55,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 105,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 135,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 1 | $ 145,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 125,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 165,982,000 | 1 | $ 25,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 673,946,000 | 1 | $ 105,000 |
| Auto Club Trust, FSB 1 AUTOCLUB DRIVE DEARBORN, MI 48126 |
* | $ 567,245,000 | 1 | $ 375,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 32,529,274,000 | 1 | $ 195,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 73,336,000,000 | 1 | $ 395,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 445,000 |
| Independent Bank 5050 POPLAR AVENUE STE 2100 MEMPHIS, TN 38157 |
* | $ 1,110,566,000 | 1 | $ 365,000 |
| Community First Federal Credit 9637 N GREENVILLE RD LAKEVIEW, MI 48850 |
* | $ 68,091,000 | 1 | $ 45,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 105,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ -1,000 | 1 | $ 315,000 |
| Honor Credit Union EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,009,578,000 | 1 | $ 25,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 475,000 |
| Edgewater Bank 321 MAIN STREET SAINT JOSEPH, MI 49085 |
* | $ 185,958,000 | 1 | $ 125,000 |
| Eaton Community Bank 236 S. COCHRAN AVENUE, P.O. BOX 219 CHARLOTTE, MI 48813 |
* | $ 375,243,000 | 1 | $ 115,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ 1,034,678,000 | 1 | $ 785,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 4,172,729,000 | 1 | $ 155,000 |
| Northstar Bank 833 S. VAN DYKE RD. BAD AXE, MI 48413 |
* | $ 650,192,000 | 1 | $ 105,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,399,926,000 | 1 | $ 95,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 1,305,000 |
| Carrollton Bank SAINT LOUIS, MO 63132 |
* | $ 1,996,752,000 | 1 | $ 135,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 75,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 755,000 |
| Lafayette Federal Credit Union 2701 TOWER OAKS BLVD., ROCKVILLE, MD 20852 |
* | $ 681,421,000 | 1 | $ 65,000 |
| Sun Federal Credit Union 1627 HOLLAND ROAD MAUMEE, OH 43537 |
* | $ 532,589,000 | 1 | $ 165,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 226,675,000 | 1 | $ 75,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 125,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 1,242,456,000 | 1 | $ 165,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 1 | $ 45,000 |
| Main Street Bank 31780 TELEGRAPH ROAD, SUITE 100 BINGHAM FARMS, MI 48025 |
* | $ 276,572,000 | 1 | $ 205,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 225,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 1 | $ 255,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 569,726,000 | 1 | $ 375,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 695,189,000 | 1 | $ 115,000 |
| Marshall Community Credit Union 839 W GREEN ST MARSHALL, MI 49068 |
* | $ 226,939,000 | 1 | $ 175,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 125,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 4,903,176,000 | 1 | $ 45,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 195,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 12,430,349,000 | 1 | $ 255,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 105,000 |
| First Guaranty Bank 400 EAST THOMAS STREET HAMMOND, LA 70401 |
* | $ 2,113,006,000 | 1 | $ 165,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 95,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 504,360,000 | 1 | $ 115,000 |
| First National Bank in Howell 101 E GRAND RIVER AVE HOWELL, MI 48843 |
* | $ 431,113,000 | 1 | $ 115,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 55,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 1 | $ 75,000 |
The tables below break down 2020 mortgage applications in Mackinac County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Mackinac County, MI in 2020
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 | 179 | $31,345,000 | $175,000 | $1,305,000 | $122,000 | $1,541,000 |
| Refinancing | 163 | $25,705,000 | $157,000 | $755,000 | $107,000 | $543,000 |
| Cash-out Refinancing | 52 | $8,320,000 | $160,000 | $1,005,000 | $122,000 | $1,134,000 |
| Other Purpose | 21 | $2,115,000 | $100,000 | $455,000 | $74,000 | $164,000 |
| Home Improvement | 16 | $1,690,000 | $105,000 | $315,000 | $111,000 | $408,000 |
| Not Applicable | 3 | $215,000 | $71,000 | $95,000 | $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 | 320 | $52,380,000 | $163,000 | $1,305,000 | $118,000 | $1,541,000 |
| Not Provided | 68 | $11,460,000 | $168,000 | $755,000 | $122,000 | $769,000 |
| American Indian or Alaskan Native | 26 | $2,270,000 | $87,000 | $155,000 | $47,000 | $109,000 |
| Not applicable | 18 | $2,990,000 | $166,000 | $475,000 | $46,000 | $66,000 |
| Asian | 1 | $165,000 | $165,000 | $165,000 | $121,000 | $121,000 |
| Hispanic | 1 | $125,000 | $125,000 | $125,000 | $194,000 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 347 | $58,765,000 | $169,000 | $1,305,000 | $124,000 | $1,541,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,150,000 | $143,000 | $295,000 | $71,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 34 | $3,870,000 | $113,000 | $245,000 | $46,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,605,000 | $94,000 | $125,000 | $46,000 | $67,000 |
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 | 241 | $41,395,000 | $171,000 | $1,305,000 | $123,000 | $1,134,000 |
| Application Denied By Financial Institution | 76 | $9,300,000 | $122,000 | $755,000 | $81,000 | $1,541,000 |
| Application Withdrawn By Applicant | 57 | $7,845,000 | $137,000 | $375,000 | $111,000 | $543,000 |
| Loan Purchased By The Institution | 23 | $5,235,000 | $227,000 | $1,305,000 | $237,000 | $604,000 |
| File Closed For Incompleteness | 18 | $2,620,000 | $145,000 | $495,000 | $87,000 | $268,000 |
| Application Approved But Not Accepted | 18 | $2,930,000 | $162,000 | $505,000 | $115,000 | $471,000 |
| Preapproval Denied by Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $210,000 | $210,000 |
| Preapproval Approved but not Accepted | 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 | 347 | $58,805,000 | $169,000 | $1,305,000 | $122,000 | $1,134,000 |
| Debt-To-Income Ratio | 37 | $4,535,000 | $122,000 | $295,000 | $57,000 | $182,000 |
| Collateral | 22 | $2,080,000 | $94,000 | $235,000 | $68,000 | $210,000 |
| Credit Application Incomplete | 8 | $1,230,000 | $153,000 | $345,000 | $343,000 | $1,541,000 |
| Unverifiable Information | 8 | $1,520,000 | $190,000 | $755,000 | $108,000 | $227,000 |
| Credit History | 5 | $335,000 | $67,000 | $105,000 | $66,000 | $100,000 |
| Other | 5 | $375,000 | $75,000 | $85,000 | $60,000 | $95,000 |
| Employment History | 2 | $510,000 | $255,000 | $445,000 | $75,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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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