Marion County, WV Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 2,092 mortgage applications in Marion County, WV totaling $319.6 million, down 22% from 2021. The average application was for $152,000, and applicants reported an average income of $83,000. 53% of applications resulted in an originated loan and 18% were denied. The most active lender was Fairmont Federal Credit Union, with 248 applications, followed by Huntington National Bank and First Exchange Bank.

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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 2,092
Total Mortgage Loan Application Amount $319,610,000
Average Mortgage Loan Application Amount $152,000
Highest Mortgage Loan Application Amount $1,825,000
Average Applicant Income $83,000
Highest Applicant Income $924,000

Mortgage Company List for Lending in Marion County, WV for 2022

* 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
Fairmont Federal Credit Union
PO BOX 2139
FAIRMONT, WV 26554
* $ 489,904,000 248 $ 31,000,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 216 $ 26,960,000
First Exchange Bank
11 W MAIN ST.
WHITE HALL, WV 26554
* $ 330,471,000 127 $ 20,375,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 116 $ 19,520,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 110 $ 13,650,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 83 $ 12,715,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 71 $ 13,665,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 60 $ 8,690,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,955,821,000 50 $ 9,990,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 46 $ 5,990,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 43 $ 8,765,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 41 $ 7,925,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 40 $ 6,590,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 37 $ 5,105,000
First Federal Savings and Loan
25 E HIGH ST
WAYNESBURG, PA 15370
* $ 1,042,107,000 36 $ 7,020,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 32 $ 5,450,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 873,423,000 30 $ 4,530,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 24 $ 1,540,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 22 $ 2,900,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 21 $ 3,285,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 20 $ 2,960,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 3,095,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 18 $ 2,290,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 18 $ 3,050,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 18 $ 1,900,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 16 $ 2,810,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 936,708,000 15 $ 1,555,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 15 $ 2,595,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 14 $ 2,460,000
Princeton Financial LLC
243 E MAIN ST
CARNEGIE, PA 15106
* $ -1,000 12 $ 3,550,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 11 $ 1,535,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 10 $ 1,660,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 9 $ 1,365,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 9 $ 1,695,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 9 $ 1,285,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 9 $ 755,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 9 $ 1,325,000
First United Bank & Trust
19 S SECOND STREET
OAKLAND, MD 21550
* $ 1,423,446,000 8 $ 1,500,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 8 $ 1,800,000
First Guaranty Bank
400 EAST THOMAS STREET
HAMMOND, LA 70401
* $ 2,874,343,000 7 $ 2,055,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 7 $ 1,625,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 7 $ 1,065,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 1,295,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 6 $ 880,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 6 $ 1,590,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,140,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 990,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 1,000,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 6 $ 1,160,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 6 $ 960,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 1,210,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 915,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 855,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 5 $ 975,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 5 $ 1,395,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 4 $ 210,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 360,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,555,648,000 4 $ 460,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 4 $ 650,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 4 $ 860,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 4 $ 570,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 4 $ 280,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 4 $ 290,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 4 $ 970,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 840,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 4 $ 690,000
The United Federal Credit Union
3 SUNSET BEACH ROAD
MORGANTOWN, WV 26508
* $ 107,863,000 4 $ 620,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 655,162,000 4 $ 490,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 3 $ 575,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 445,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 3,183,928,000 3 $ 345,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 145,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 525,000
Cnb Bank Inc.
101 S WASHINGTON STREET
BERKELEY SPRINGS, WV 25411
* $ 538,096,000 3 $ 605,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 735,000
The Grant County Bank
P. O. BOX 929
PETERSBURG, WV 26847
* $ 319,158,000 3 $ 325,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 3 $ 615,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 2 $ 170,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 2 $ 120,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 310,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 250,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 440,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 2 $ 310,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 2 $ 580,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 2 $ 380,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 2 $ 270,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 2 $ 660,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 2 $ 250,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 410,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 210,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 160,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 170,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 610,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 2 $ 320,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 260,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 2 $ 650,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 2 $ 90,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 175,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 58,215,736,000 1 $ 155,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 45,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 1 $ 25,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 1 $ 155,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 165,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 5,191,780,000 1 $ 165,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 235,000
Developer's Mortgage Company
2700 E DUBLIN GRANVILLE RD SUITE 460
COLUMBUS, OH 43219
* $ -1,000 1 $ 115,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 1 $ 125,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 105,000
Fnb Bank, Inc
105 NORTH HIGH STREET
ROMNEY, WV 26757
* $ 252,614,000 1 $ 105,000
Cibm Bank
19601 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53045
* $ 737,465,000 1 $ 45,000
Northwest Federal Credit Union
220 SPRING STREET
HERNDON, VA 20170
* $ 4,351,512,000 1 $ 65,000
Home State Bank National Association
40 GRANT STREET
CRYSTAL LAKE, IL 60014
* $ 782,780,000 1 $ 125,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 1 $ 315,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 1 $ 385,000
Calhoun County Banks Inc
362 MAIN STREET
GRANTSVILLE, WV 26147
* $ 179,117,000 1 $ 165,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,535,304,000 1 $ 145,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 355,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 1 $ 225,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 335,000
First Home Mortgage
6211 GREENLEIGH AVENUE SUITE 300
BALTIMORE, MD 21220
* $ -1,000 1 $ 285,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 205,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 95,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 1 $ 295,000
Huntingdon Valley Bank
1388 W STREET ROAD
HUNTINGDON VALLEY, PA 18974
* $ 557,790,000 1 $ 205,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 1 $ 135,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 339,651,000 1 $ 205,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,321,090,000 1 $ 255,000
State Employees Credit Union of MD
971 CORPORATE BLVD
LINTHICUM, MD 21090
* $ 4,778,940,000 1 $ 15,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,657,985,000 1 $ 65,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 105,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 275,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 280,342,000 1 $ 555,000
Chessie Federal Credit Union
15 COMMERCE DRIVE
CUMBERLAND, MD 21502
* $ 435,000,000 1 $ 295,000
Community Bank
100 NORTH MARKET STREET
CARMICHAELS, PA 15320
* $ 1,423,613,000 1 $ 345,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 405,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 1 $ 95,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 1 $ 185,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 135,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 1 $ 45,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 305,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 1 $ 125,000

The tables below break down 2022 mortgage applications in Marion County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Marion County, WV in 2022

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 1,205 $207,705,000 $172,000 $725,000 $80,000 $720,000
Cash-out Refinancing 351 $52,285,000 $148,000 $725,000 $78,000 $924,000
Refinancing 231 $35,495,000 $153,000 $1,135,000 $90,000 $540,000
Home Improvement 192 $15,610,000 $81,000 $1,825,000 $95,000 $440,000
Other Purpose 103 $7,505,000 $72,000 $205,000 $92,000 $540,000
Not Applicable 10 $1,010,000 $101,000 $235,000 $103,000 $103,000

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 1,578 $235,110,000 $148,000 $725,000 $83,000 $924,000
Not Provided 271 $39,925,000 $147,000 $505,000 $82,000 $577,000
Not applicable 163 $32,855,000 $201,000 $1,825,000 $96,000 $194,000
Black or African American 36 $5,250,000 $145,000 $365,000 $96,000 $720,000
American Indian or Alaskan Native 17 $2,475,000 $145,000 $425,000 $66,000 $122,000
Hispanic 16 $2,260,000 $141,000 $275,000 $92,000 $181,000
Asian 9 $1,585,000 $176,000 $315,000 $109,000 $319,000
Native Hawaiian or Other Pacific Islander 1 $65,000 $65,000 $65,000 $149,000 $149,000

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) 1,538 $224,210,000 $145,000 $1,825,000 $88,000 $924,000
FHA-insured (Federal Housing Administration) 295 $43,595,000 $147,000 $405,000 $66,000 $300,000
VA-guaranteed (Veterans Administration) 186 $40,380,000 $217,000 $495,000 $81,000 $720,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 73 $11,425,000 $156,000 $235,000 $54,000 $83,000

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 1,110 $175,880,000 $158,000 $1,825,000 $89,000 $697,000
Application Denied By Financial Institution 380 $47,710,000 $125,000 $645,000 $72,000 $924,000
Application Withdrawn By Applicant 236 $37,200,000 $157,000 $665,000 $90,000 $720,000
Loan Purchased By The Institution 134 $25,980,000 $193,000 $495,000 $87,000 $194,000
File Closed For Incompleteness 91 $12,095,000 $132,000 $725,000 $68,000 $214,000
Application Approved But Not Accepted 61 $9,135,000 $149,000 $395,000 $83,000 $233,000
Preapproval Denied by Financial Institution 43 $5,475,000 $127,000 $275,000 $40,000 $107,000
Preapproval Approved but not Accepted 37 $6,135,000 $165,000 $275,000 $72,000 $235,000

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 1,549 $245,555,000 $158,000 $725,000 $87,000 $720,000
Debt-To-Income Ratio 226 $35,820,000 $158,000 $1,825,000 $73,000 $672,000
Credit History 138 $14,430,000 $104,000 $505,000 $65,000 $283,000
Collateral 68 $8,110,000 $119,000 $425,000 $79,000 $220,000
Credit Application Incomplete 37 $5,855,000 $158,000 $645,000 $117,000 $924,000
Unverifiable Information 27 $3,205,000 $118,000 $225,000 $64,000 $336,000
Other 20 $3,010,000 $150,000 $275,000 $73,000 $157,000
Insufficient Cash (Downpayment, Closing Cost) 19 $2,445,000 $128,000 $335,000 $45,000 $132,000
Employment History 8 $1,180,000 $147,000 $285,000 $68,000 $170,000
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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