Mason County, MI Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,017 mortgage applications in Mason County, MI totaling $146.5 million, up 6% from 2018. The average application was for $144,000, and applicants reported an average income of $90,000. 57% of applications resulted in an originated loan and 13% were denied. The most active lender was Mortgage 1 Incorporated, with 89 applications, followed by Fifth Third Bank, National Association and Preferred Credit Union.

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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 1,017
Total Mortgage Loan Application Amount $146,455,000
Average Mortgage Loan Application Amount $144,000
Highest Mortgage Loan Application Amount $985,000
Average Applicant Income $90,000
Highest Applicant Income $2,140,000

Mortgage Company List for Lending in Mason County, MI for 2019

* 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
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 89 $ 13,585,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 77 $ 7,515,000
Preferred Credit Union
3767 SPARKS DR SE
GRAND RAPIDS, MI 49546
* $ 169,209,000 68 $ 5,660,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 21,460,393,000 67 $ 9,945,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 61 $ 6,175,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 23,708,028,000 43 $ 7,755,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 35 $ 6,225,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 32 $ 5,670,000
The Shelby State Bank
242 N MICHIGAN AVE
SHELBY, MI 49455
* $ 245,537,000 25 $ 3,965,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 6,064,106,000 23 $ 4,765,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 21 $ 2,785,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 20 $ 3,470,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 17 $ 2,805,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 2,150,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,525,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 1,745,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 11 $ 2,155,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 11 $ 1,795,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 475,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 9 $ 395,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 3,356,129,000 8 $ 2,700,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 8 $ 1,090,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 1,095,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ -1,000 7 $ 1,465,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 7 $ 835,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 7 $ 885,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 7 $ 1,055,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 855,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 7 $ 895,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,290,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 1,190,826,000 6 $ 950,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 4,229,818,000 6 $ 610,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ -1,000 6 $ 760,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 795,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 715,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 5 $ 925,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 769,220,000 4 $ 340,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 740,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 4 $ 400,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 4 $ 760,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 4 $ 540,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 4 $ 630,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 3 $ 475,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 3 $ 335,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 3 $ 295,000
Grand River Bank
4471 WILSON AVENUE SW
GRANDVILLE, MI 49418
* $ 264,110,000 3 $ 805,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 3 $ 255,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 505,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 595,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 545,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 245,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 475,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 3 $ 435,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ -1,000 3 $ 395,000
Choiceone Bank
109 E. DIVISION ST.
SPARTA, MI 49345
* $ 666,767,000 3 $ 575,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 425,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 410,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 2 $ 180,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 2 $ 50,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 530,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 400,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 3,344,251,000 2 $ 230,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 410,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,784,227,000 2 $ 730,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 430,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 2 $ 120,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 4,241,335,000 2 $ 80,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 105,746,000 2 $ 220,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 70,737,276,000 2 $ 130,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ 1,092,793,000 2 $ 120,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 220,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 180,000
Wmcu
1319 FRONT AVE NW
GRAND RAPIDS, MI 49504
* $ 164,916,000 2 $ 160,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 270,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ -1,000 2 $ 530,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 130,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 2 $ 890,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 2 $ 460,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 260,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 250,000
Edgewater Bank
321 MAIN STREET
SAINT JOSEPH, MI 49085
* $ 169,981,000 1 $ 325,000
Johnson Bank
555 MAIN STREET SUITE 490
RACINE, WI 53403
* $ 4,983,953,000 1 $ 685,000
Community First Federal Credit
9637 N GREENVILLE RD
LAKEVIEW, MI 48850
* $ 62,021,000 1 $ 205,000
Macatawa Bank, N.A.

ROSEMONT, IL 60018
* $ 1,973,456,000 1 $ 175,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 4,058,211,000 1 $ 125,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 934,012,000 1 $ 65,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 156,505,000 1 $ 75,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 1 $ 245,000
Greenstone Farm Credit Services
5285 W US-223
EAST LANSING, MI 48823
* $ -1,000 1 $ 25,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 145,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 115,000
Oxford Bank & Trust
1111 W. 22ND STREET #800
OAK BROOK, IL 60523
* $ 560,757,000 1 $ 25,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 857,664,000 1 $ 85,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 155,000
Bell Bank
3100 13TH AVE S
FARGO, ND 58103
* $ 5,394,695,000 1 $ 125,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 215,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 125,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 25,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,628,364,000 1 $ 155,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 305,000
Meijer Credit Union
2410 GAYNOR AVE. NW
GRAND RAPIDS, MI 49544
* $ 64,535,000 1 $ 15,000
Vibe Credit Union
1375 N OAKLAND BLVD
NOVI, MI 48377
* $ 361,698,000 1 $ 125,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 155,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 2,044,013,000 1 $ 415,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 55,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 335,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 75,000
Lake Trust Credit Union
4605 S OLD US HIGHWAY 23
BRIGHTON, MI 48114
* $ 1,860,352,000 1 $ 35,000
Community Choice Credit Union
31155 NORTHWESTERN HWY
FARMINGTON HILLS, MI 48334
* $ 1,077,155,000 1 $ 5,000
West Michigan Community Bank
5367 SCHOOL AVE.
HUDSONVILLE, MI 49426
* $ 518,084,000 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 165,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 155,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 1 $ 245,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 315,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 135,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 4,667,477,000 1 $ 75,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 35,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 45,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 258,778,000 1 $ 45,000
The State Bank
175 N LEROY ST
FENTON, MI 48430
* $ 926,250,000 1 $ 335,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 275,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 75,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ -1,000 1 $ 85,000
Best Financial Credit Union
1888 E SHERMAN BLVD
MUSKEGON, MI 49444
* $ 89,119,000 1 $ 125,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 165,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 65,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 135,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ -1,000 1 $ 145,000
Arbor Financial Credit Union
1551 SOUTH 9TH STREET
KALAMAZOO, MI 49009
* $ 573,422,000 1 $ 5,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 255,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 115,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 75,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 5,953,334,000 1 $ 135,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 3,855,606,000 1 $ 35,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 1 $ 165,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 1 $ 695,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 25,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 45,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 7,306,280,000 1 $ 95,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 195,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 1 $ 175,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 1 $ 265,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,791,677,000 1 $ 105,000
Community Financial
500 S HARVEY ST
PLYMOUTH, MI 48170
* $ 932,018,000 1 $ 115,000
Pfcu
9077 CHARLOTTE HWY
PORTLAND, MI 48875
* $ 533,428,000 1 $ 215,000
Dart Bank
368 S. PARK ST.
MASON, MI 48854
* $ 454,157,000 1 $ 235,000
Harborlight
2151 COGSWELL DR.
WHITEHALL, MI 49461
* $ 110,064,000 1 $ 35,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 155,000
United Bank of Michigan
900 EAST PARIS AVE SE
GRAND RAPIDS, MI 49546
* $ 661,164,000 1 $ 195,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 65,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 1 $ 75,000

The tables below break down 2019 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 2019

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 444 $72,440,000 $163,000 $755,000 $93,000 $2,140,000
Refinancing 216 $31,310,000 $144,000 $925,000 $97,000 $2,013,000
Cash-out Refinancing 192 $30,580,000 $159,000 $985,000 $86,000 $645,000
Other Purpose 79 $5,775,000 $73,000 $405,000 $77,000 $399,000
Home Improvement 78 $4,830,000 $61,000 $375,000 $75,000 $300,000
Not Applicable 8 $1,520,000 $190,000 $455,000 $144,000 $210,000

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 786 $114,460,000 $145,000 $985,000 $92,000 $2,140,000
Not Provided 130 $17,160,000 $132,000 $455,000 $90,000 $600,000
Not applicable 79 $11,795,000 $149,000 $455,000 $56,000 $120,000
Hispanic 10 $1,180,000 $118,000 $195,000 $55,000 $85,000
American Indian or Alaskan Native 7 $925,000 $132,000 $275,000 $74,000 $130,000
Black or African American 4 $920,000 $230,000 $485,000 $129,000 $316,000
Native Hawaiian or Other Pacific Islander 1 $15,000 $15,000 $15,000 $33,000 $33,000
Asian 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) 788 $112,110,000 $142,000 $985,000 $98,000 $2,140,000
FHA-insured (Federal Housing Administration) 117 $16,045,000 $137,000 $445,000 $55,000 $283,000
VA-guaranteed (Veterans Administration) 81 $14,295,000 $176,000 $345,000 $65,000 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $4,005,000 $129,000 $315,000 $54,000 $87,000

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 575 $85,385,000 $148,000 $985,000 $94,000 $1,474,000
Application Denied By Financial Institution 132 $13,220,000 $100,000 $405,000 $67,000 $289,000
Application Withdrawn By Applicant 130 $21,570,000 $165,000 $755,000 $117,000 $2,140,000
Loan Purchased By The Institution 113 $17,685,000 $156,000 $445,000 $69,000 $203,000
File Closed For Incompleteness 34 $4,510,000 $132,000 $655,000 $85,000 $314,000
Application Approved But Not Accepted 30 $3,760,000 $125,000 $345,000 $62,000 $136,000
Preapproval Approved but not Accepted 2 $290,000 $145,000 $145,000 $80,000 $95,000
Preapproval Denied by Financial Institution 1 $35,000 $35,000 $35,000 $51,000 $51,000

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 830 $124,950,000 $150,000 $985,000 $95,000 $2,140,000
Debt-To-Income Ratio 83 $12,045,000 $145,000 $455,000 $70,000 $218,000
Collateral 39 $3,955,000 $101,000 $275,000 $79,000 $255,000
Credit History 37 $2,435,000 $65,000 $205,000 $57,000 $171,000
Credit Application Incomplete 10 $1,130,000 $113,000 $365,000 $80,000 $289,000
Other 9 $1,175,000 $130,000 $295,000 $51,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 4 $370,000 $92,000 $175,000 $132,000 $199,000
Unverifiable Information 3 $205,000 $68,000 $135,000 $90,000 $140,000
Employment History 2 $190,000 $95,000 $155,000 $45,000 $45,000
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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