Noble County, IN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,906 mortgage applications in Noble County, IN totaling $306.5 million, up 13% from 2023. The average application was for $160,000, and applicants reported an average income of $94,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Three Rivers Federal Crediit U, with 152 applications, followed by Lake City Bank 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 1,906
Total Mortgage Loan Application Amount $306,490,000
Average Mortgage Loan Application Amount $160,000
Highest Mortgage Loan Application Amount $2,405,000
Average Applicant Income $94,000
Highest Applicant Income $7,056,000

Mortgage Company List for Lending in Noble County, IN for 2024

* 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
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ n/a 152 $ 23,670,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ n/a 109 $ 9,535,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ n/a 104 $ 10,380,000
Interra Credit Union
300 W LINCOLN AVE
GOSHEN, IN 46527
* $ n/a 96 $ 10,400,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 86 $ 19,160,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 58 $ 11,740,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 55 $ 9,725,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 53 $ 10,645,000
Farmers State Bank
220 S. DETROIT STREET
LAGRANGE, IN 46761
* $ n/a 52 $ 8,230,000
The Campbell & Fetter Bank
PO BOX 231
KENDALLVILLE, IN 46755
* $ n/a 47 $ 7,095,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ n/a 38 $ 3,570,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 37 $ 8,055,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 32 $ 2,210,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ n/a 32 $ 6,490,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 31 $ 7,505,000
Farmers and Merchants Bank
6464 MERCHANTS DR
LAOTTO, IN 46763
* $ n/a 31 $ 6,925,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 30 $ 4,720,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 29 $ 3,975,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 26 $ 5,970,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 26 $ 1,890,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 26 $ 5,150,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 25 $ 4,875,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 24 $ 3,760,000
Garrett State Bank
120 WEST KING STREET, P.O. BOX 29
GARRETT, IN 46738
* $ n/a 23 $ 3,555,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ n/a 22 $ 2,340,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 22 $ 2,930,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 22 $ 3,170,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ n/a 21 $ 2,505,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 20 $ 4,320,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 19 $ 3,975,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ n/a 19 $ 2,175,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 19 $ 2,305,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 18 $ 3,170,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ n/a 14 $ 2,060,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 13 $ 2,535,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 13 $ 1,715,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ n/a 13 $ 2,075,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 12 $ 2,340,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 11 $ 2,245,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 11 $ 2,185,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 10 $ 2,770,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 9 $ 1,665,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ n/a 8 $ 1,710,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 7 $ 3,495,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ n/a 7 $ 1,775,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 7 $ 1,905,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 7 $ 625,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 905,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 7 $ 855,000
First Federal Savings Bank
648 NORTH JEFFERSON STREET
HUNTINGTON, IN 46750
* $ n/a 6 $ 420,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ n/a 6 $ 860,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 6 $ 690,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 6 $ 1,160,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,120,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 6 $ 1,190,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 6 $ 1,280,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 6 $ 1,900,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 5 $ 1,115,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 5 $ 945,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 5 $ 845,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 5 $ 195,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 5 $ 965,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 5 $ 425,000
First State Bank of Middlebury
111 S. MAIN STREET
MIDDLEBURY, IN 46540
* $ n/a 5 $ 1,835,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 1,135,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 4 $ 100,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 4 $ 800,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 420,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ n/a 4 $ 450,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 4 $ 790,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 4 $ 320,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 4 $ 580,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 4 $ 840,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 4 $ 400,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 4 $ 410,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 1,120,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 4 $ 710,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 4 $ 1,040,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 4 $ 940,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ n/a 4 $ 800,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 4 $ 490,000
Mjw Financial LLC dba Mjw Mortgage
8465 KEYSTONE CROSSING #145
INDIANAPOLIS, IN 46240
* $ n/a 4 $ 810,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 4 $ 460,000
Fire Police City County Federa
3306 N. CLINTON STREET
FORT WAYNE, IN 46805
* $ n/a 4 $ 360,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 3 $ 575,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 185,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 3 $ 705,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 3 $ 305,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 3 $ 535,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 3 $ 335,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 3 $ 755,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 3 $ 535,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 350,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 400,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 60,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 350,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 540,000
Crossroads Bank
1205 N CASS ST PO BOX 259
WABASH, IN 46992
* $ n/a 2 $ 280,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 2 $ 480,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 2 $ 410,000
Uif Corporation
29777 TELEGRAPH RD. SUITE 3590
SOUTHFIELD, MI 48034
* $ n/a 2 $ 320,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 2 $ 540,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 2 $ 480,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 2 $ 60,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ n/a 2 $ 120,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 2 $ 450,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 100,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 2 $ 270,000
United Home Loans, Inc.
1023 BURLINGTON AVE
WESTERN SPRINGS, IL 60558
* $ n/a 1 $ 385,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 155,000
First Alliance Home Mortgage, LLC
20 JACKSON DRIVE 2ND FLOOR
CRANFORD, NJ 07016
* $ n/a 1 $ 155,000
Point Mortgage Corp
864 AMENA COURT
CHULA VISTA, CA 91910
* $ n/a 1 $ 105,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 265,000
Southern Michigan Bank & Trust
51 WEST PEARL STREET
COLDWATER, MI 49036
* $ n/a 1 $ 115,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ n/a 1 $ 255,000
Omni Community Credit Union
PO BOX 1537
BATTLE CREEK, MI 49015
* $ n/a 1 $ 45,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 1 $ 145,000
The Friendship State Bank
PO BOX 357
FRIENDSHIP, IN 47021
* $ n/a 1 $ 105,000
Primetrust Financial Federal C
3700 W BETHEL AVE
MUNCIE, IN 47304
* $ n/a 1 $ 25,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 115,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ n/a 1 $ 325,000
Oak Mortgage, LLC
113-125 E CHICAGO RD
STURGIS, MI 49091
* $ n/a 1 $ 215,000
Sturgis Bank & Trust
113-125 E CHICAGO RD
STURGIS, MI 49091
* $ n/a 1 $ 25,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ n/a 1 $ 75,000
Victory Mortgage, LLC
3940 OLYMPIC BLVD SUITE 110
ERLANGER, KY 41018
* $ n/a 1 $ 255,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 235,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 175,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ n/a 1 $ 175,000
Saygo Home Loans, LLC
8155 E INDIAN BEND RD, STE 107
SCOTTSDALE, AZ 85250
* $ n/a 1 $ 145,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 265,000
Heartland Bank
430 N HAMILTON ROAD
WHITEHALL, OH 43213
* $ n/a 1 $ 255,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 195,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ n/a 1 $ 45,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 205,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ n/a 1 $ 265,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 1 $ 195,000
Guidance Residential, LLC
11107 SUNSET HILLS ROAD, STES 100 & 200
RESTON, VA 20190
* $ n/a 1 $ 345,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 1,005,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 155,000
Everence Federal Credit Union
2160 LINCOLN HWY E, STE 20
LANCASTER, PA 17602
* $ n/a 1 $ 125,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 85,000
The Antwerp Exchange Bank Company
305 S MAIN ST
ANTWERP, OH 45813
* $ n/a 1 $ 465,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ n/a 1 $ 65,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 815,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 1 $ 55,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 1 $ 65,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 135,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 475,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 225,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 1 $ 185,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 265,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ n/a 1 $ 595,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ n/a 1 $ 95,000
Midflorida Credit Union
3004 S FLORIDA AVE
LAKELAND, FL 33801
* $ n/a 1 $ 205,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 55,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 165,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 25,000

The tables below break down 2024 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 2024

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 871 $182,865,000 $209,000 $2,405,000 $105,000 $7,056,000
Cash-out Refinancing 373 $58,655,000 $157,000 $815,000 $85,000 $595,000
Other Purpose 261 $16,625,000 $63,000 $505,000 $85,000 $1,282,000
Refinancing 247 $38,445,000 $155,000 $1,005,000 $84,000 $672,000
Home Improvement 151 $9,705,000 $64,000 $255,000 $90,000 $500,000
Not Applicable 3 $195,000 $65,000 $75,000 $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 1,424 $223,110,000 $156,000 $1,205,000 $97,000 $7,056,000
Not applicable 187 $40,865,000 $218,000 $2,405,000 $85,000 $152,000
Hispanic 155 $18,345,000 $118,000 $815,000 $71,000 $672,000
Not Provided 120 $20,220,000 $168,000 $845,000 $88,000 $830,000
Asian 12 $2,060,000 $171,000 $305,000 $49,000 $94,000
Black or African American 4 $920,000 $230,000 $335,000 $74,000 $90,000
American Indian or Alaskan Native 3 $755,000 $251,000 $445,000 $96,000 $164,000
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $85,000 $85,000

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) 1,420 $211,370,000 $148,000 $2,405,000 $100,000 $7,056,000
FHA-insured (Federal Housing Administration) 308 $53,250,000 $172,000 $385,000 $66,000 $209,000
VA-guaranteed (Veterans Administration) 118 $31,110,000 $263,000 $815,000 $86,000 $236,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 60 $10,760,000 $179,000 $335,000 $68,000 $122,000

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 1,108 $179,890,000 $162,000 $2,405,000 $103,000 $7,056,000
Application Denied By Financial Institution 320 $37,990,000 $118,000 $635,000 $73,000 $672,000
Loan Purchased By The Institution 187 $38,765,000 $207,000 $805,000 $65,000 $152,000
Application Withdrawn By Applicant 170 $29,050,000 $170,000 $1,005,000 $82,000 $425,000
File Closed For Incompleteness 62 $9,030,000 $145,000 $475,000 $70,000 $330,000
Application Approved But Not Accepted 57 $11,465,000 $201,000 $605,000 $119,000 $500,000
Preapproval Approved but not Accepted 1 $235,000 $235,000 $235,000 $97,000 $97,000
Preapproval Denied by Financial Institution 1 $65,000 $65,000 $65,000 $35,000 $35,000

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 1,505 $254,945,000 $169,000 $2,405,000 $99,000 $7,056,000
Debt-To-Income Ratio 148 $20,880,000 $141,000 $845,000 $81,000 $507,000
Credit History 98 $10,350,000 $105,000 $635,000 $75,000 $672,000
Collateral 63 $7,185,000 $114,000 $355,000 $81,000 $242,000
Credit Application Incomplete 45 $7,075,000 $157,000 $515,000 $79,000 $323,000
Other 30 $3,480,000 $116,000 $315,000 $74,000 $248,000
Unverifiable Information 7 $1,155,000 $165,000 $285,000 $95,000 $159,000
Insufficient Cash (Downpayment, Closing Cost) 6 $840,000 $140,000 $235,000 $67,000 $123,000
Employment History 4 $580,000 $145,000 $175,000 $41,000 $69,000
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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