Mason County, MI Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 780 mortgage applications in Mason County, MI totaling $97.2 million, down 31% from 2013. The average application was for $124,000, and applicants reported an average income of $68,000. 48% of applications resulted in an originated loan and 24% were denied. The most active lender was The Shelby State Bank, with 67 applications, followed by PNC Bank N.A. 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 | 780 |
| Total Mortgage Loan Application Amount | $97,231,000 |
| Average Mortgage Loan Application Amount | $124,000 |
| Highest Mortgage Loan Application Amount | $6,480,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $746,000 |
* 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 |
|---|---|---|---|---|
| The Shelby State Bank 242 N MICHIGAN AVE SHELBY, MI 49455 |
* | $ 210,498,000 | 67 | $ 6,628,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 54 | $ 4,451,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 44 | $ 4,007,000 |
| Preferred Credit Union 3767 SPARKS DR SE GRAND RAPIDS, MI 49546 |
* | $ 149,977,000 | 44 | $ 1,493,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 35 | $ 4,452,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 34 | $ 4,104,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 31 | $ 2,076,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 30 | $ 2,961,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 25 | $ 2,633,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 23 | $ 2,019,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 3,042,240,000 | 15 | $ 1,867,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 13 | $ 1,252,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 12 | $ 1,649,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 957,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 11 | $ 1,593,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 393,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 10 | $ 952,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,199,198,000 | 10 | $ 1,274,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 6,176,405,000 | 9 | $ 3,202,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 9 | $ 622,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 1,407,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,056,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 7 | $ 632,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 6 | $ 753,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 388,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 6 | $ 485,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 1,513,964,000 | 5 | $ 487,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 685,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 5 | $ 629,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,536,690,000 | 5 | $ 230,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 5 | $ 916,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 721,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 4 | $ 437,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 466,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 4 | $ 573,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 299,620,000 | 4 | $ 666,000 |
| Founders Bank & Trust 5200 CASCADE ROAD SE GRAND RAPIDS, MI 49546 |
* | $ 455,975,000 | 3 | $ 556,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 320,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 3 | $ 407,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 3 | $ 287,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 242,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 501,034,000 | 3 | $ 189,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,308,075,000 | 3 | $ 678,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 3 | $ 382,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 259,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 446,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 397,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 2 | $ 354,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 188,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 174,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 313,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 273,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 209,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 277,561,000 | 2 | $ 327,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 1,758,006,000 | 2 | $ 6,791,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 271,122,000 | 2 | $ 337,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 543,090,000 | 2 | $ 108,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 330,685,000 | 2 | $ 652,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 461,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 133,249,000 | 2 | $ 71,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 353,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 2 | $ 526,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 2 | $ 294,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 2 | $ 39,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 2 | $ 137,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 2 | $ 199,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 617,585,000 | 2 | $ 277,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 297,566,000 | 2 | $ 270,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 2 | $ 141,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 2 | $ 226,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 397,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 2 | $ 446,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,542,707,000 | 2 | $ 154,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 286,887,000 | 1 | $ 83,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 59,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 143,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 133,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,569,087,000 | 1 | $ 30,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,644,015,000 | 1 | $ 73,000 |
| Gerber Federal Credit Union 508 STATE STREET PO BOX 116 FREMONT, MI 49412 |
* | $ 121,917,000 | 1 | $ 37,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Service 1 Federal Credit Union 1075 E SHERMAN BLVD MUSKEGON, MI 49444 |
* | $ 96,178,000 | 1 | $ 80,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 1 | $ 77,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 23,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 26,795,278,000 | 1 | $ 102,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 23,932,159,000 | 1 | $ 196,000 |
| Grand River Bank 4471 WILSON SW GRANDVILLE, MI 49418 |
* | $ 122,718,000 | 1 | $ 135,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,492,889,000 | 1 | $ 239,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 813,894,000 | 1 | $ 240,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Homesite Mortgage, LLC 222 S MAIN ST STE 106 ROCHESTER, MI 48307 |
* | $ 6,646,000 | 1 | $ 216,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 3,564,057,000 | 1 | $ 107,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,433,762,000 | 1 | $ 595,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 176,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 1 | $ 88,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 8,151,987,000 | 1 | $ 176,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 715,804,000 | 1 | $ 155,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 99,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 135,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 64,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 141,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 48,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 564,481,000 | 1 | $ 300,000 |
| First State Bank 706 WASHINGTON STREET MENDOTA, IL 61342 |
* | $ 922,388,000 | 1 | $ 417,000 |
| United Bank Mortgage Corporati 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 264,000,000 | 1 | $ 90,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ 276,209,000 | 1 | $ 128,000 |
| Family Financial Credit Union 3575 HENRY ST MUSKEGON, MI 49441 |
* | $ 91,274,000 | 1 | $ 30,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 292,052,000 | 1 | $ 32,000 |
| Alliance Catholic Credit Union 26913 NORTHWESTERN HWY STE 520 FARMINGTON HILLS, MI 48334 |
* | $ 413,364,000 | 1 | $ 5,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 3,538,032,000 | 1 | $ 104,000 |
| Harborlight 2151 COGSWELL DR. WHITEHALL, MI 49461 |
* | $ 90,139,000 | 1 | $ 100,000 |
| Day Air Credit Union 3501 WILMINGTON PIKE KETTERING, OH 45429 |
* | $ 278,530,000 | 1 | $ 73,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 161,000 |
| Gs Commercial Real Estate LP 200 WEST STREET NEW YORK, NY 10282 |
* | $ 939,558,522,000 | 1 | $ 6,480,000 |
| Firstbank 102 S MAIN ST MT PLEASANT, MI 48858 |
* | $ 1,222,044,000 | 1 | $ 240,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 1 | $ 49,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 647,760,000 | 1 | $ 216,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 679,412,000 | 1 | $ 32,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,400,994,000 | 1 | $ 30,000 |
| Signature Bank 1 E HURON AVE BAD AXE, MI 48413 |
* | $ 233,152,000 | 1 | $ 320,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 131,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 118,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 140,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 44,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 1 | $ 45,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 55,000 |
| Perl Mortgage, Inc. 2936 WEST BELMONT AVE CHICAGO, IL 60618 |
* | $ 11,000,000 | 1 | $ 273,000 |
| First Centennial Mortgage Corporation 2471 W SULLIVAN ROAD CHICAGO, IL 60506 |
* | $ 10,000,000 | 1 | $ 65,000 |
| The Anderson Financial Group, Inc. 2421 NORTH ASHLAND AVENUE CHICAGO, IL 60614 |
* | $ 10,000,000 | 1 | $ 325,000 |
The tables below break down 2014 mortgage applications in Mason 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 Mason County, MI in 2014
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 | 387 | $58,181,000 | $150,000 | $6,480,000 | $71,000 | $746,000 |
| Refinancing | 328 | $36,965,000 | $112,000 | $595,000 | $67,000 | $550,000 |
| Home Improvement | 65 | $2,085,000 | $32,000 | $165,000 | $59,000 | $212,000 |
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 | 607 | $65,786,000 | $108,000 | $998,000 | $76,000 | $746,000 |
| Not applicable | 83 | $21,396,000 | $257,000 | $6,480,000 | $4,000 | $85,000 |
| Not Provided | 66 | $7,123,000 | $107,000 | $419,000 | $67,000 | $362,000 |
| American Indian or Alaskan Native | 7 | $937,000 | $133,000 | $200,000 | $58,000 | $86,000 |
| Black or African American | 7 | $919,000 | $131,000 | $277,000 | $185,000 | $550,000 |
| Hispanic | 6 | $231,000 | $38,000 | $83,000 | $41,000 | $82,000 |
| Asian | 3 | $564,000 | $188,000 | $382,000 | $103,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $275,000 | $275,000 | $275,000 | $135,000 | $135,000 |
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) | 565 | $73,486,000 | $130,000 | $6,480,000 | $80,000 | $746,000 |
| VA-guaranteed (Veterans Administration) | 77 | $10,673,000 | $138,000 | $419,000 | $48,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 69 | $7,054,000 | $102,000 | $249,000 | $36,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $6,018,000 | $87,000 | $166,000 | $25,000 | $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 | 376 | $48,255,000 | $128,000 | $6,480,000 | $84,000 | $746,000 |
| Application Denied By Financial Institution | 184 | $18,913,000 | $102,000 | $595,000 | $58,000 | $310,000 |
| Loan Purchased By The Institution | 94 | $9,582,000 | $101,000 | $249,000 | $21,000 | $247,000 |
| Application Withdrawn By Applicant | 75 | $14,936,000 | $199,000 | $6,480,000 | $72,000 | $350,000 |
| File Closed For Incompleteness | 28 | $3,021,000 | $107,000 | $258,000 | $58,000 | $224,000 |
| Application Approved But Not Accepted | 23 | $2,524,000 | $109,000 | $336,000 | $88,000 | $459,000 |
| 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 | 40 | $3,173,000 | $79,000 | $200,000 | $57,000 | $212,000 |
| Collateral | 32 | $3,202,000 | $100,000 | $250,000 | $66,000 | $197,000 |
| Debt-To-Income Ratio | 24 | $2,423,000 | $100,000 | $243,000 | $37,000 | $150,000 |
| Credit Application Incomplete | 23 | $2,841,000 | $123,000 | $419,000 | $56,000 | $200,000 |
| Other | 7 | $659,000 | $94,000 | $278,000 | $79,000 | $310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $328,000 | $109,000 | $161,000 | $28,000 | $50,000 |
| Employment History | 2 | $158,000 | $79,000 | $81,000 | $26,000 | $29,000 |
| Unverifiable Information | 1 | $32,000 | $32,000 | $32,000 | $22,000 | $22,000 |
| 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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