Manistee County, MI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 721 mortgage applications in Manistee County, MI totaling $103.3 million, down 9% from 2008. The average application was for $143,000, and applicants reported an average income of $86,000. 42% of applications resulted in an originated loan and 24% were denied. The most active lender was PNC Bank N.A., with 79 applications, followed by JPMorgan Chase Bank, NA and Fifth Third Mortgage, Mi LLC.
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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 | 721 |
| Total Mortgage Loan Application Amount | $103,306,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $750,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $2,875,000 |
* 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 |
|---|---|---|---|---|
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 79 | $ 9,282,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 53 | $ 7,928,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 42 | $ 7,618,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 41 | $ 6,058,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 39 | $ 5,644,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 38 | $ 5,343,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 29 | $ 3,643,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 27 | $ 2,384,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 27 | $ 4,217,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 20 | $ 1,095,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 17 | $ 2,350,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,488,726,000 | 14 | $ 1,867,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 12 | $ 1,887,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 12 | $ 1,769,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 11 | $ 1,691,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 11 | $ 1,251,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 10 | $ 1,215,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 9 | $ 1,884,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 9 | $ 1,372,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,095,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 8 | $ 748,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 3,866,622,000 | 7 | $ 728,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 1,279,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 7 | $ 379,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 318,836,000 | 7 | $ 1,762,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,953,214,000 | 6 | $ 1,178,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 6 | $ 656,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 6 | $ 826,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 5 | $ 561,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 5 | $ 704,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 5 | $ 319,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 4 | $ 914,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 432,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,311,463,000 | 4 | $ 716,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 3 | $ 502,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 3 | $ 350,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 3 | $ 590,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 3 | $ 962,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 923,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 333,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 3 | $ 599,000 |
| Founders Bank & Trust 5200 CASCADE ROAD SE GRAND RAPIDS, MI 49546 |
* | $ 376,057,000 | 3 | $ 531,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 3 | $ 522,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 2,147,294,000 | 2 | $ 575,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 2 | $ 382,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 2 | $ 159,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 2 | $ 380,000 |
| Comerica Bank 500 WOODWARD AVE - MC 3352 DETROIT, MI 48226 |
* | $ 67,597,552,000 | 2 | $ 215,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 2 | $ 788,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 2 | $ 315,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,569,230,000 | 2 | $ 269,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 2 | $ 125,000 |
| Adventure Credit Union 630 32ND ST SE GRAND RAPIDS, MI 49548 |
* | $ 237,779,000 | 2 | $ 24,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 665,197,000 | 2 | $ 144,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 285,928,000 | 2 | $ 516,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 258,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 74,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 120,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD. SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Residential Finance Corp. 401 N. FRONT STREET, SUITE 300 COLUMBUS, OH 43215 |
* | $ 17,533,484,000 | 1 | $ 135,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 136,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 2,140,880,000 | 1 | $ 223,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 426,321,000 | 1 | $ 152,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 227,958,000 | 1 | $ 76,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,159,689,000 | 1 | $ 40,000 |
| Astera Credit Union 5615 W SAGINAW HWY LANSING, MI 48917 |
* | $ 150,251,000 | 1 | $ 98,000 |
| Mortgage Research Center, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 125,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 78,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 92,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 2,019,127,000 | 1 | $ 417,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 25,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 101,868,610,000 | 1 | $ 40,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 1,304,420,000 | 1 | $ 417,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 8,802,576,000 | 1 | $ 135,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 1 | $ 25,000 |
| Harris N.A. 111 W. MONROE CHICAGO, IL 60603 |
* | $ 67,306,679,000 | 1 | $ 56,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,083,993,000 | 1 | $ 99,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 1 | $ 66,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 175,000 |
| Cnb Lending Services, LLC ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 247,881,000 | 1 | $ 153,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 1 | $ 34,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 1 | $ 117,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 1 | $ 347,000 |
| Principal Bank 711 HIGH STREET DES MOINES, IA 50392 |
* | $ 2,326,856,000 | 1 | $ 10,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 89,000 |
| Southwest Michigan Federal CU 4000 SOUTH SPRINKLE KALAMAZOO, MI 49001 |
* | $ 63,890,000 | 1 | $ 141,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 72,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 248,819,000 | 1 | $ 8,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,503,790,000 | 1 | $ 156,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 941,902,000 | 1 | $ 224,000 |
| Urban Trust Bank 400 COLONIAL CENTER PARKWAY LAKE MARY, FL 32746 |
* | $ 249,756,000 | 1 | $ 424,000 |
| West Michigan Mortgage LLC 5367 SCHOOL AVE HUDSONVILLE, MI 49426 |
* | $ 126,230,000 | 1 | $ 400,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 602,292,000 | 1 | $ 204,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 1 | $ 250,000 |
| United Mortgage Company-Washte 2723 S STATE ST ANN ARBOR, MI 48106 |
* | $ 177,163,000 | 1 | $ 261,000 |
| Keystone Mortgage Services 107 WEST MICHIGAN AVE KALAMAZOO, MI 49007 |
* | $ 14,238,395,000 | 1 | $ 282,000 |
| United Mortgage Company 205 E. CHICAGO BLVD. TECUMSEH, MI 49286 |
* | $ 468,861,000 | 1 | $ 361,000 |
| United Bank Mortgage Corporati 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 264,000,000 | 1 | $ 417,000 |
| The Shelby State Bank 242 N MICHIGAN AVE SHELBY, MI 49455 |
* | $ 175,658,000 | 1 | $ 45,000 |
| Old Fort Banking Company 8034 MAIN STREET OLD FORT, OH 44861 |
* | $ 385,512,000 | 1 | $ 350,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 452,006,000 | 1 | $ 16,000 |
| First Commercial Bank 6945 N CLARK ST CHICAGO, IL 60626 |
* | $ 324,665,000 | 1 | $ 175,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,196,580,000 | 1 | $ 80,000 |
| Talmer West Bank 2950 STATE STREET SOUTH ANN ARBOR, MI 48104 |
* | $ 361,954,000 | 1 | $ 149,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 489,167,000 | 1 | $ 117,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 70,000 |
| Mason State Bank 322 S. JEFFERSON STREET, P.O. BOX 130 MASON, MI 48854 |
* | $ 122,548,000 | 1 | $ 173,000 |
The tables below break down 2009 mortgage applications in Manistee 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 Manistee County, MI in 2009
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 | 538 | $84,498,000 | $157,000 | $750,000 | $91,000 | $2,875,000 |
| Home Purchase | 153 | $17,243,000 | $112,000 | $582,000 | $78,000 | $798,000 |
| Home Improvement | 30 | $1,565,000 | $52,000 | $191,000 | $45,000 | $138,000 |
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 | 589 | $85,724,000 | $145,000 | $750,000 | $93,000 | $2,875,000 |
| Not applicable | 67 | $8,296,000 | $123,000 | $424,000 | $37,000 | $363,000 |
| Not Provided | 51 | $7,782,000 | $152,000 | $417,000 | $82,000 | $613,000 |
| American Indian or Alaskan Native | 10 | $942,000 | $94,000 | $136,000 | $35,000 | $62,000 |
| Hispanic | 3 | $396,000 | $132,000 | $223,000 | $59,000 | $74,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $166,000 | $166,000 | $166,000 | $46,000 | $46,000 |
| Asian | 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) | 561 | $85,478,000 | $152,000 | $750,000 | $101,000 | $2,875,000 |
| FHA-insured (Federal Housing Administration) | 108 | $13,100,000 | $121,000 | $426,000 | $39,000 | $211,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $2,840,000 | $74,000 | $136,000 | $20,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,888,000 | $134,000 | $281,000 | $31,000 | $135,000 |
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 | 305 | $45,855,000 | $150,000 | $750,000 | $114,000 | $2,875,000 |
| Application Denied By Financial Institution | 171 | $23,110,000 | $135,000 | $726,000 | $72,000 | $475,000 |
| Loan Purchased By The Institution | 142 | $18,959,000 | $133,000 | $424,000 | $40,000 | $712,000 |
| Application Withdrawn By Applicant | 47 | $6,842,000 | $145,000 | $426,000 | $83,000 | $380,000 |
| Application Approved But Not Accepted | 38 | $5,291,000 | $139,000 | $417,000 | $92,000 | $613,000 |
| File Closed For Incompleteness | 18 | $3,249,000 | $180,000 | $650,000 | $118,000 | $425,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 64 | $10,266,000 | $160,000 | $417,000 | $93,000 | $435,000 |
| Debt-To-Income Ratio | 35 | $4,252,000 | $121,000 | $431,000 | $39,000 | $135,000 |
| Credit History | 21 | $1,960,000 | $93,000 | $358,000 | $47,000 | $169,000 |
| Other | 7 | $955,000 | $136,000 | $281,000 | $85,000 | $185,000 |
| Unverifiable Information | 6 | $1,757,000 | $292,000 | $726,000 | $164,000 | $475,000 |
| Credit Application Incomplete | 6 | $807,000 | $134,000 | $205,000 | $78,000 | $135,000 |
| Employment History | 2 | $86,000 | $43,000 | $52,000 | $32,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $111,000 | $55,000 | $77,000 | $66,000 | $106,000 |
| Mortgage Insurance Denied | 1 | $324,000 | $324,000 | $324,000 | $180,000 | $180,000 |
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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