Mason County, MI Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 996 mortgage applications in Mason County, MI totaling $124.7 million, about the same as 2016. The average application was for $125,000, and applicants reported an average income of $72,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Chemical Bank, with 117 applications, followed by Preferred Credit Union and Amerifirst Financial Corporation.

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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 996
Total Mortgage Loan Application Amount $124,684,000
Average Mortgage Loan Application Amount $125,000
Highest Mortgage Loan Application Amount $935,000
Average Applicant Income $72,000
Highest Applicant Income $1,865,000

Mortgage Company List for Lending in Mason County, MI for 2017

* 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
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 17,284,293,000 117 $ 17,967,000
Preferred Credit Union
3767 SPARKS DR SE
GRAND RAPIDS, MI 49546
* $ 162,333,000 83 $ 5,029,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 52 $ 6,106,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 52 $ 4,767,000
The Shelby State Bank
242 N MICHIGAN AVE
SHELBY, MI 49455
* $ 233,617,000 50 $ 6,468,000
Fifth Third Mortgage-Mi, LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 31 $ 3,992,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 4,823,232,000 24 $ 3,967,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 22 $ 2,724,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 21 $ 2,852,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 21 $ 2,105,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 139,776,168,000 20 $ 1,258,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 19 $ 2,534,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 2,250,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 99,554,985,000 18 $ 2,495,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 2,578,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 13 $ 2,957,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 1,573,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,537,351,000 9 $ 1,255,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 9 $ 1,190,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 9 $ 964,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 3,413,046,000 9 $ 867,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 8 $ 938,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,033,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,166,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 1,173,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 7 $ 787,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 7 $ 1,134,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 6 $ 852,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 704,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 6 $ 801,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ 412,902,000 6 $ 1,229,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 6 $ 1,268,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 5 $ 602,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 5 $ 837,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 296,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 732,000
Wmcu
1319 FRONT AVE NW
GRAND RAPIDS, MI 49504
* $ 158,743,000 5 $ 353,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 5 $ 586,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 4 $ 561,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 4 $ 671,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 363,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 4 $ 789,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,528,748,000 4 $ 342,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 4 $ 500,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ -1,000 3 $ 190,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ 809,891,000 3 $ 723,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 280,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 3 $ 220,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 763,000
Huron Valley Financial, Inc.
2395 OAK VALLEY DRIVE, SUITE 200
ANN ARBOR, MI 48103
* $ -1,000 3 $ 662,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 3 $ 85,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 321,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 3 $ 126,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 327,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 506,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 248,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 587,672,000 3 $ 500,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 402,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 233,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,204,471,000 2 $ 50,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 294,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 196,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 232,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 2 $ 160,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 2 $ 169,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 214,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 3,062,597,000 2 $ 503,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 181,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 378,516,000 2 $ 435,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 243,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 288,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 324,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 2 $ 201,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 119,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 228,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 246,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 236,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 612,000
Health Advantage Federal Credi
4550 STATE ST.
SAGINAW, MI 48603
* $ 128,870,000 1 $ 83,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 1 $ 250,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 1 $ 113,000
United Bank of Michigan
900 EAST PARIS AVE SE
GRAND RAPIDS, MI 49546
* $ 614,359,000 1 $ 193,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 1 $ 258,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ 0 1 $ 90,000
First General
589 E ELLIS RD
MUSKEGON, MI 49441
* $ 60,285,000 1 $ 78,000
Marshall Community Credit Union
839 W GREEN ST
MARSHALL, MI 49068
* $ 179,437,000 1 $ 100,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 73,018,220,000 1 $ 226,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 252,000
Highpoint Community Bank
150 W COURT ST
HASTINGS, MI 49058
* $ 309,562,000 1 $ 180,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,862,672,000 1 $ 76,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ -1,000 1 $ 108,000
Aeroquip Credit Union
901 PLYMOUTH STREET
JACKSON, MI 49201
* $ 44,314,000 1 $ 65,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ -1,000 1 $ 117,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 155,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 1 $ 111,000
Rivertown Community
3121 MACATAWA DR
GRANDVILLE, MI 49418
* $ 62,859,000 1 $ 13,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,677,874,000 1 $ 27,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 172,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,121,439,000 1 $ 73,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 76,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ 603,892,000 1 $ 90,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 3,133,166,000 1 $ 97,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 234,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 29,070,880,000 1 $ 210,000
Edgewater Bank
321 MAIN STREET
SAINT JOSEPH, MI 49085
* $ 152,212,000 1 $ 130,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 1 $ 141,000
Grand River Bank
4471 WILSON AVENUE SW
GRANDVILLE, MI 49418
* $ 195,377,000 1 $ 161,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 1,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 226,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 131,174,000 1 $ 75,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 1 $ 183,000
Lake Trust Credit Union
4605 S OLD US HIGHWAY 23
BRIGHTON, MI 48114
* $ 1,775,027,000 1 $ 10,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 190,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 21,689,804,000 1 $ 135,000
Macatawa Bank, N.A.

ROSEMONT, IL 60018
* $ 1,739,408,000 1 $ 120,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 1 $ 79,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 111,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 200,000
Consumers Professional Credit Union
525 W WILLOW STREET
LANSING, MI 48906
* $ 73,313,000 1 $ 32,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 4,362,200,000 1 $ 202,000
Ntfn, Inc.
700 STATE HIGHWAY 121, SUITE 100
PLANO, TX 75067
* $ -1,000 1 $ 99,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 248,000
Aac Credit Union
904 BROADWAY NW
GRAND RAPIDS, MI 49504
* $ 134,344,000 1 $ 295,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 175,715,000,000 1 $ 178,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ -1,000 1 $ 67,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 97,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 1,881,666,000 1 $ 63,000
Southern Michigan Bank & Trust
51 WEST PEARL STREET
COLDWATER, MI 49036
* $ 639,528,000 1 $ 18,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 449,036,000 1 $ 265,000
Zeal Credit Union
17250 NEWBURGH
LIVONIA, MI 48152
* $ 555,254,000 1 $ 135,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 1 $ 94,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ 0 1 $ 160,000
Great Lakes Credit Union
2525 GREEN BAY
BANNOCKBURN, IL 60015
* $ 767,252,000 1 $ 184,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 1,982,691,000 1 $ 111,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 1,089,661,000 1 $ 80,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 1,035,722,000 1 $ 64,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 129,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 713,122,000 1 $ 69,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 2,299,685,000 1 $ 156,000
Meijer Credit Union
2410 GAYNOR AVE. NW
GRAND RAPIDS, MI 49544
* $ 60,735,000 1 $ 252,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 97,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ -1,000 1 $ 520,000
Community First Federal Credit
9637 N GREENVILLE RD
LAKEVIEW, MI 48850
* $ 47,301,000 1 $ 59,000
Kellogg Community Credit Union
41 SECOND ST
BATTLE CREEK, MI 49014
* $ 488,070,000 1 $ 143,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ 318,560,000 1 $ 40,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 14,759,060,000 1 $ 307,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 216,651,000 1 $ 228,000
Harborlight
2151 COGSWELL DR.
WHITEHALL, MI 49461
* $ 100,709,000 1 $ 57,000
Mcs Mortgage Bankers, Inc.
20 OAK STREET
PATCHOGUE, NY 11772
* $ -1,000 1 $ 138,000
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ 766,064,000 1 $ 53,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 104,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 150,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 155,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 105,000
Arbor Financial Credit Union
1551 SOUTH 9TH STREET
KALAMAZOO, MI 49009
* $ 479,182,000 1 $ 200,000

The tables below break down 2017 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 2017

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 503 $68,538,000 $136,000 $700,000 $74,000 $1,865,000
Refinancing 396 $51,664,000 $130,000 $935,000 $70,000 $760,000
Home Improvement 97 $4,482,000 $46,000 $432,000 $68,000 $223,000

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 800 $100,073,000 $125,000 $935,000 $78,000 $1,865,000
Not Provided 96 $11,841,000 $123,000 $630,000 $75,000 $412,000
Not applicable 70 $9,592,000 $137,000 $935,000 $10,000 $461,000
Hispanic 17 $1,849,000 $108,000 $314,000 $42,000 $148,000
American Indian or Alaskan Native 6 $511,000 $85,000 $119,000 $35,000 $82,000
Asian 3 $330,000 $110,000 $130,000 $59,000 $63,000
Black or African American 2 $227,000 $113,000 $138,000 $44,000 $53,000
Native Hawaiian or Other Pacific Islander 2 $261,000 $130,000 $176,000 $44,000 $55,000

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) 715 $91,831,000 $128,000 $935,000 $85,000 $1,865,000
FHA-insured (Federal Housing Administration) 109 $10,902,000 $100,000 $234,000 $36,000 $162,000
VA-guaranteed (Veterans Administration) 91 $14,304,000 $157,000 $400,000 $52,000 $210,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $7,647,000 $94,000 $210,000 $31,000 $73,000

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 532 $71,335,000 $134,000 $935,000 $85,000 $1,865,000
Application Denied By Financial Institution 165 $16,819,000 $101,000 $395,000 $59,000 $270,000
Application Withdrawn By Applicant 153 $19,228,000 $125,000 $560,000 $65,000 $300,000
Loan Purchased By The Institution 80 $9,454,000 $118,000 $300,000 $23,000 $461,000
File Closed For Incompleteness 36 $5,226,000 $145,000 $520,000 $68,000 $320,000
Application Approved But Not Accepted 30 $2,622,000 $87,000 $290,000 $91,000 $412,000
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 33 $3,493,000 $105,000 $266,000 $72,000 $201,000
Credit History 32 $2,658,000 $83,000 $395,000 $68,000 $270,000
Debt-To-Income Ratio 19 $1,659,000 $87,000 $198,000 $32,000 $88,000
Other 10 $1,222,000 $122,000 $289,000 $65,000 $200,000
Credit Application Incomplete 8 $1,141,000 $142,000 $245,000 $63,000 $110,000
Unverifiable Information 2 $78,000 $39,000 $63,000 $55,000 $95,000
Insufficient Cash (Downpayment, Closing Cost) 1 $79,000 $79,000 $79,000 $27,000 $27,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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