Noble County, IN Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 2,080 mortgage applications in Noble County, IN totaling $362.2 million, up 9% from 2024. The average application was for $174,000, and applicants reported an average income of $99,000. 57% of applications resulted in an originated loan and 15% were denied. The most active lender was Lake City Bank, with 148 applications, followed by Three Rivers Federal Crediit U and Profed Federal 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 2,080
Total Mortgage Loan Application Amount $362,160,000
Average Mortgage Loan Application Amount $174,000
Highest Mortgage Loan Application Amount $6,605,000
Average Applicant Income $99,000
Highest Applicant Income $2,922,000

Mortgage Company List for Lending in Noble County, IN for 2025

* 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
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ n/a 148 $ 15,300,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ n/a 135 $ 22,495,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ n/a 88 $ 10,260,000
Interra Credit Union
300 W LINCOLN AVE
GOSHEN, IN 46527
* $ n/a 86 $ 12,460,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 85 $ 15,795,000
Farmers State Bank
220 S. DETROIT STREET
LAGRANGE, IN 46761
* $ n/a 79 $ 16,785,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 69 $ 13,075,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 57 $ 10,755,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 56 $ 10,590,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 47 $ 10,425,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 43 $ 5,645,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ n/a 40 $ 3,270,000
The Campbell & Fetter Bank
PO BOX 231
KENDALLVILLE, IN 46755
* $ n/a 38 $ 7,300,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 36 $ 7,030,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 36 $ 7,480,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 34 $ 8,410,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 33 $ 5,365,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 33 $ 7,175,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ n/a 32 $ 3,310,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 31 $ 5,105,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 30 $ 4,270,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 29 $ 4,955,000
Farmers and Merchants Bank
6464 MERCHANTS DR
LAOTTO, IN 46763
* $ n/a 28 $ 6,070,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 27 $ 3,525,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 26 $ 4,850,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 25 $ 4,685,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ n/a 21 $ 3,105,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 21 $ 1,235,000
Garrett State Bank
120 WEST KING STREET, P.O. BOX 29
GARRETT, IN 46738
* $ n/a 20 $ 3,990,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 18 $ 4,640,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 17 $ 3,345,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 17 $ 2,535,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ n/a 17 $ 2,505,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 15 $ 3,015,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 15 $ 1,155,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ n/a 14 $ 1,590,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 13 $ 845,000
Crossroads Bank
1205 N CASS ST PO BOX 259
WABASH, IN 46992
* $ n/a 12 $ 2,770,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 11 $ 1,925,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 11 $ 655,000
First State Bank of Middlebury
111 S. MAIN STREET
MIDDLEBURY, IN 46540
* $ n/a 11 $ 2,635,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 11 $ 2,945,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 10 $ 1,610,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 10 $ 2,220,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 9 $ 1,655,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 9 $ 1,145,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 9 $ 1,255,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 9 $ 835,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 9 $ 1,655,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 9 $ 2,165,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 9 $ 1,955,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 9 $ 2,025,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 8 $ 1,180,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 8 $ 1,740,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 8 $ 1,910,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 8 $ 1,320,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ n/a 8 $ 1,080,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ n/a 8 $ 1,010,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 8 $ 1,820,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 8 $ 1,050,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 1,455,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 7 $ 1,025,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 7 $ 1,605,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 6 $ 2,030,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 6 $ 1,100,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 6 $ 470,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 6 $ 7,530,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 5 $ 1,115,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 5 $ 1,155,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 5 $ 665,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 5 $ 395,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 5 $ 1,275,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 5 $ 1,555,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ n/a 5 $ 815,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ n/a 5 $ 1,215,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 5 $ 1,265,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 5 $ 1,455,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 920,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 4 $ 850,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 4 $ 610,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 4 $ 530,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 4 $ 640,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 425,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 3 $ 375,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 3 $ 595,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 95,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 3 $ 155,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 3 $ 915,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 3 $ 505,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 3 $ 315,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 3 $ 665,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 3 $ 505,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ n/a 3 $ 435,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 425,000
Omni Community Credit Union

BATTLE CREEK, MI 49015
* $ n/a 2 $ 390,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 280,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 300,000
Fire Police City County Federa
3306 N. CLINTON STREET
FORT WAYNE, IN 46805
* $ n/a 2 $ 980,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ n/a 2 $ 160,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 2 $ 220,000
Stg Mortgage Inc
18401 VON KARMAN AVENUE SUITE 440
IRVINE, CA 92612
* $ n/a 2 $ 400,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ n/a 2 $ 330,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 2 $ 610,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 170,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 420,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 2 $ 350,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 290,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 2 $ 360,000
Genesis Capital, LLC
15303 VENTURA BLVD, STE. 700
SHERMAN OAKS, CA 91403
* $ n/a 2 $ 3,110,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 280,000
First Federal Savings Bank
648 NORTH JEFFERSON STREET
HUNTINGTON, IN 46750
* $ n/a 2 $ 380,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 2 $ 630,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 410,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ n/a 2 $ 2,320,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 185,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 165,000
Cv3 Financial Services, LLC
2101 E EL SEGUNDO BLVD SUITE #203
EL SEGUNDO, CA 90245
* $ n/a 1 $ 1,365,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 1 $ 195,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 135,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ n/a 1 $ 155,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 575,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 1 $ 215,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ n/a 1 $ 295,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 235,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ n/a 1 $ 235,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 245,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 1 $ 85,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 315,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 155,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 195,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 1 $ 285,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 1 $ 305,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 225,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 1 $ 205,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 105,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ n/a 1 $ 35,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 415,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 125,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 125,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ n/a 1 $ 205,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 105,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 265,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 1 $ 485,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 65,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 1 $ 225,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ n/a 1 $ 255,000
Thrive FCU
4501 S DELAWARE DRIVE
MUNCIE, IN 47304
* $ n/a 1 $ 25,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 315,000
Point Mortgage Corp
864 AMENA COURT
CHULA VISTA, CA 91910
* $ n/a 1 $ 165,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ n/a 1 $ 185,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ n/a 1 $ 235,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ n/a 1 $ 215,000
Mortgage Masters of Indiana Inc
501 N CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ n/a 1 $ 305,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ n/a 1 $ 405,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 55,000

The tables below break down 2025 mortgage applications in Noble County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Noble County, IN in 2025

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 833 $180,915,000 $217,000 $855,000 $104,000 $2,922,000
Cash-out Refinancing 429 $70,265,000 $163,000 $1,365,000 $87,000 $695,000
Refinancing 336 $71,420,000 $212,000 $6,605,000 $106,000 $1,423,000
Other Purpose 291 $23,115,000 $79,000 $595,000 $96,000 $697,000
Home Improvement 182 $15,840,000 $87,000 $485,000 $102,000 $1,074,000
Not Applicable 9 $605,000 $67,000 $155,000 $0 $0

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 1,583 $267,095,000 $168,000 $855,000 $101,000 $2,922,000
Not applicable 199 $50,055,000 $251,000 $6,605,000 $117,000 $205,000
Hispanic 142 $21,110,000 $148,000 $815,000 $85,000 $697,000
Not Provided 131 $19,575,000 $149,000 $595,000 $88,000 $672,000
Asian 14 $2,830,000 $202,000 $445,000 $111,000 $169,000
Black or African American 7 $1,085,000 $155,000 $245,000 $51,000 $77,000
American Indian or Alaskan Native 3 $365,000 $121,000 $125,000 $69,000 $121,000
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $75,000 $75,000

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) 1,496 $244,080,000 $163,000 $6,605,000 $107,000 $2,922,000
FHA-insured (Federal Housing Administration) 358 $66,820,000 $186,000 $505,000 $68,000 $317,000
VA-guaranteed (Veterans Administration) 157 $39,595,000 $252,000 $815,000 $94,000 $321,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 69 $11,665,000 $169,000 $255,000 $64,000 $107,000

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 1,195 $214,875,000 $179,000 $6,605,000 $104,000 $1,469,000
Application Denied By Financial Institution 303 $40,605,000 $134,000 $1,365,000 $75,000 $672,000
Application Withdrawn By Applicant 227 $42,685,000 $188,000 $605,000 $97,000 $1,644,000
Loan Purchased By The Institution 197 $36,655,000 $186,000 $455,000 $84,000 $205,000
Application Approved But Not Accepted 83 $15,375,000 $185,000 $665,000 $122,000 $1,423,000
File Closed For Incompleteness 68 $10,750,000 $158,000 $505,000 $124,000 $2,922,000
Preapproval Approved but not Accepted 5 $885,000 $177,000 $325,000 $84,000 $169,000
Preapproval Denied by Financial Institution 2 $330,000 $165,000 $235,000 $54,000 $59,000

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 1,701 $305,915,000 $179,000 $6,605,000 $103,000 $2,922,000
Debt-To-Income Ratio 159 $28,185,000 $177,000 $555,000 $83,000 $717,000
Credit History 91 $9,655,000 $106,000 $455,000 $85,000 $672,000
Collateral 64 $9,930,000 $155,000 $1,365,000 $85,000 $231,000
Credit Application Incomplete 38 $4,590,000 $120,000 $425,000 $78,000 $520,000
Other 16 $1,790,000 $111,000 $245,000 $78,000 $185,000
Unverifiable Information 4 $350,000 $87,000 $105,000 $133,000 $247,000
Insufficient Cash (Downpayment, Closing Cost) 4 $600,000 $150,000 $225,000 $68,000 $87,000
Employment History 3 $1,145,000 $381,000 $805,000 $29,000 $65,000
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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