Mercer County, OH Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 789 mortgage applications in Mercer County, OH totaling $108.2 million, up 8% from 2014. The average application was for $137,000, and applicants reported an average income of $74,000. 51% of applications resulted in an originated loan and 16% were denied. The most active lender was Mycumortgage, with 72 applications, followed by The Citizens National Bank and JPMorgan Chase Bank, NA.
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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 | 789 |
| Total Mortgage Loan Application Amount | $108,214,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $2,971,000 |
* 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 |
|---|---|---|---|---|
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 72 | $ 7,311,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 682,512,000 | 71 | $ 8,865,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 55 | $ 6,230,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,914,758,000 | 51 | $ 5,930,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 46 | $ 22,362,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 42 | $ 4,546,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 28 | $ 3,794,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 7,197,993,000 | 24 | $ 2,890,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 21 | $ 1,908,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 2,600,000 |
| Minster Bank 95 W FOURTH ST MINSTER, OH 45865 |
* | $ 393,852,000 | 17 | $ 2,300,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 14 | $ 1,515,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 11 | $ 913,000 |
| Honda Federal Credit Union MARYSVILLE, OH 43040 |
* | $ 671,793,000 | 11 | $ 777,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,163,319,000 | 9 | $ 1,237,000 |
| Superior Federal Credit Union 4230 ELIDA RD LIMA, OH 45807 |
* | $ 491,985,000 | 9 | $ 1,512,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 8 | $ 840,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,446,095,000 | 7 | $ 1,039,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 7 | $ 923,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 7 | $ 267,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 1,237,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 7 | $ 741,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 7 | $ 728,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 7 | $ 607,000 |
| First Bank of Berne 222 HERTIGIAGE TR BERNE, IN 46711 |
* | $ 549,138,000 | 7 | $ 859,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,989,777,000 | 6 | $ 667,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 6 | $ 855,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 6 | $ 455,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 5 | $ 271,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 5 | $ 568,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 401,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 5 | $ 1,055,000 |
| The Farmers State Bank 101 S. MAIN ST. PO BOX 119 NEW MADISON, OH 45346 |
* | $ 139,023,000 | 5 | $ 379,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 5 | $ 510,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 660,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 747,510,000 | 5 | $ 408,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 189,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 4 | $ 415,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ 10,000,000 | 4 | $ 663,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 587,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 427,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 4 | $ 666,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 4 | $ 97,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 3 | $ 121,000 |
| Citizens Home Loans of America 7601 PARAGON RD., SUITE 202 DAYTON, OH 45459 |
* | $ 1,500,000 | 3 | $ 524,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 292,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 433,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 390,000 |
| Western Ohio Mortgage Corporation 733 FAIR RD SIDNEY, OH 45365 |
* | $ 1,435,000 | 3 | $ 359,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 450,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 393,000 |
| Greenville National Bank 446 S. BROADWAY GREENVILLE, OH 45331 |
* | $ 388,136,000 | 2 | $ 433,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 479,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ 29,436,748,000 | 2 | $ 282,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 2 | $ 349,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 2 | $ 68,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 259,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 127,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,519,923,000 | 2 | $ 148,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 2 | $ 217,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 2 | $ 246,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 2 | $ 396,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 63,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 137,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 1 | $ 39,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 12,036,491,000 | 1 | $ 193,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 51,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 107,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,833,727,000 | 1 | $ 221,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 2,075,216,000 | 1 | $ 144,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 73,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 1 | $ 48,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 138,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 78,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 199,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 188,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 73,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 1 | $ 268,000 |
| Priority Mortgage Corp. 150 E WILSON BRIDGE RD STE 350 WORTHINGTON, OH 43085 |
* | $ 10,000,000 | 1 | $ 100,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 117,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 128,000 |
| The Equitable Mortgage Corporation 655 METRO PLACE SOUTH SUITE 500 DUBLIN, OH 43017 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 118,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ 2,458,000 | 1 | $ 233,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 120,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 607,236,000 | 1 | $ 300,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 1 | $ 233,000 |
| American Savings Bank, FSB 503 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 247,377,000 | 1 | $ 80,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 78,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 5,801,944,000 | 1 | $ 69,000 |
| Somerville National Bank, the 197 NORTH SOUTH MAIN STREET SOMERVILLE, OH 45064 |
* | $ 165,355,000 | 1 | $ 80,000 |
| Inb, National Association 322 E. CAPITOL SPRINGFIELD, IL 62701 |
* | $ 682,680,000 | 1 | $ 90,000 |
| Heartland Federal Credit Union 3400 OFFICE PARK DRIVE DAYTON, OH 45439 |
* | $ 109,609,000 | 1 | $ 36,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,096,436,000 | 1 | $ 74,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Midland Mortgage Corporation 1500 RICHLAND STREET COLUMBIA, SC 29201 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 123,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 367,940,000 | 1 | $ 61,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 208,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 64,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Cincinnati Federal 6581 HARRISON AVE CINCINNATI, OH 45247 |
* | $ 126,016,000 | 1 | $ 143,000 |
| New Carlisle Federal Savings Bank 400 N MAIN ST., P.O. BOX 245 NEW CARLISLE, OH 45344 |
* | $ 83,576,000 | 1 | $ 110,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,555,971,000 | 1 | $ 89,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 210,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 4,040,577,000 | 1 | $ 255,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 245,515,000 | 1 | $ 93,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Benchmark Bank 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 124,628,000 | 1 | $ 172,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 104,000 |
The tables below break down 2015 mortgage applications in Mercer County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Mercer County, OH in 2015
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 | 398 | $58,270,000 | $146,000 | $5,500,000 | $70,000 | $2,971,000 |
| Refinancing | 339 | $46,309,000 | $136,000 | $996,000 | $77,000 | $1,874,000 |
| Home Improvement | 52 | $3,635,000 | $69,000 | $600,000 | $88,000 | $1,110,000 |
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 | 557 | $67,237,000 | $120,000 | $975,000 | $72,000 | $869,000 |
| Not applicable | 154 | $17,513,000 | $113,000 | $996,000 | $9,000 | $609,000 |
| Not Provided | 53 | $16,739,000 | $315,000 | $5,500,000 | $261,000 | $2,971,000 |
| American Indian or Alaskan Native | 15 | $5,598,000 | $373,000 | $1,010,000 | $183,000 | $674,000 |
| Hispanic | 6 | $724,000 | $120,000 | $164,000 | $63,000 | $98,000 |
| Black or African American | 2 | $216,000 | $108,000 | $133,000 | $46,000 | $64,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $80,000 | $80,000 | $80,000 | $30,000 | $30,000 |
| Asian | 1 | $107,000 | $107,000 | $107,000 | $93,000 | $93,000 |
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) | 487 | $74,229,000 | $152,000 | $5,500,000 | $101,000 | $2,971,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 123 | $12,322,000 | $100,000 | $189,000 | $19,000 | $76,000 |
| FHA-insured (Federal Housing Administration) | 120 | $13,085,000 | $109,000 | $242,000 | $40,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 59 | $8,578,000 | $145,000 | $378,000 | $43,000 | $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 | 401 | $65,111,000 | $162,000 | $5,500,000 | $111,000 | $2,971,000 |
| Loan Purchased By The Institution | 164 | $18,017,000 | $109,000 | $377,000 | $9,000 | $340,000 |
| Application Denied By Financial Institution | 127 | $13,032,000 | $102,000 | $504,000 | $51,000 | $186,000 |
| Application Withdrawn By Applicant | 61 | $8,346,000 | $136,000 | $500,000 | $68,000 | $637,000 |
| File Closed For Incompleteness | 20 | $1,753,000 | $87,000 | $160,000 | $35,000 | $130,000 |
| Application Approved But Not Accepted | 16 | $1,955,000 | $122,000 | $242,000 | $73,000 | $270,000 |
| 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 | 27 | $2,233,000 | $82,000 | $235,000 | $54,000 | $122,000 |
| Collateral | 25 | $2,384,000 | $95,000 | $216,000 | $58,000 | $139,000 |
| Debt-To-Income Ratio | 16 | $1,538,000 | $96,000 | $262,000 | $35,000 | $112,000 |
| Credit Application Incomplete | 13 | $1,468,000 | $112,000 | $208,000 | $78,000 | $186,000 |
| Other | 6 | $738,000 | $123,000 | $155,000 | $49,000 | $99,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $425,000 | $106,000 | $125,000 | $55,000 | $96,000 |
| Employment History | 3 | $332,000 | $110,000 | $188,000 | $41,000 | $60,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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