Oceana County, MI Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,115 mortgage applications in Oceana County, MI totaling $147.1 million, up 1% from 2010. The average application was for $131,000, and applicants reported an average income of $96,000. 49% of applications resulted in an originated loan and 24% were denied. The most active lender was Huntington National Bank, with 182 applications, followed by The Shelby State Bank and Fifth Third Mortgage, Mi LLC.
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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 | 1,115 |
| Total Mortgage Loan Application Amount | $147,070,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $710,000 |
| Average Applicant Income | $96,000 |
| Highest Applicant Income | $7,078,000 |
* 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 |
|---|---|---|---|---|
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 182 | $ 21,001,000 |
| The Shelby State Bank 242 N MICHIGAN AVE SHELBY, MI 49455 |
* | $ 199,975,000 | 120 | $ 11,085,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 80 | $ 10,592,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 69 | $ 7,432,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 48 | $ 6,688,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 44 | $ 5,138,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 40 | $ 5,333,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,163,220,000 | 36 | $ 6,760,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,536,098,000 | 33 | $ 3,987,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 29 | $ 4,214,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 25 | $ 2,654,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 21 | $ 2,739,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 16 | $ 2,176,000 |
| Harborlight 2151 COGSWELL DR. WHITEHALL, MI 49461 |
* | $ 82,332,000 | 15 | $ 1,331,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,237,745,000 | 14 | $ 2,844,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 12 | $ 1,237,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 12 | $ 1,794,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 12 | $ 1,169,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 11 | $ 1,159,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 11 | $ 2,267,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 10 | $ 2,011,000 |
| Macatawa Bank, N.A. ROSEMONT, IL 60018 |
* | $ 1,576,134,000 | 9 | $ 2,589,000 |
| Gerber Federal Credit Union 508 STATE STREET PO BOX 116 FREMONT, MI 49412 |
* | $ 113,364,000 | 8 | $ 531,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 8 | $ 1,343,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 7 | $ 238,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 6 | $ 777,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 1,142,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 6 | $ 552,000 |
| United Bank Mortgage Corporati 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 264,000,000 | 6 | $ 1,461,000 |
| Founders Bank & Trust 5200 CASCADE ROAD SE GRAND RAPIDS, MI 49546 |
* | $ 407,947,000 | 6 | $ 1,454,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 690,925,000 | 5 | $ 575,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 5 | $ 1,146,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 5 | $ 1,245,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 5 | $ 628,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 5 | $ 1,241,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 54,071,375,000 | 4 | $ 596,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 4 | $ 515,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 4 | $ 1,105,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 109,283,991,000 | 4 | $ 996,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 4 | $ 409,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 4 | $ 162,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 4 | $ 465,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 498,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 618,340,000 | 4 | $ 1,168,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 478,183,000 | 4 | $ 735,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 3 | $ 250,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 155,301,000 | 3 | $ 444,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 1,691,253,000 | 3 | $ 766,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,962,910,000 | 3 | $ 404,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 3 | $ 210,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 466,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 747,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 3 | $ 999,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 186,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 421,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 3 | $ 716,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 3 | $ 381,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 3 | $ 515,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 3 | $ 581,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 38,055,567,000 | 2 | $ 336,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 1,400,000,000 | 2 | $ 191,000 |
| Mms Mortgage Services, Ltd. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 2 | $ 151,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 650,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 2 | $ 528,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DRIVE, STE 250 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 2 | $ 215,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 2 | $ 413,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 120,000 |
| Family Financial Credit Union 3575 HENRY ST MUSKEGON, MI 49441 |
* | $ 73,966,000 | 2 | $ 105,000 |
| Best Financial Credit Union 1888 E SHERMAN BLVD MUSKEGON, MI 49444 |
* | $ 60,057,000 | 2 | $ 179,000 |
| Preferred Credit Union 3767 SPARKS DR SE GRAND RAPIDS, MI 49546 |
* | $ 73,379,000 | 2 | $ 83,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,228,405,000 | 2 | $ 297,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 273,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 158,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 274,760,000 | 2 | $ 183,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 43,034,000 | 1 | $ 146,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 373,638,000 | 1 | $ 78,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,709,977,000 | 1 | $ 98,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 42,000 |
| Firstbank - West Michigan 302 W MAIN ST IONIA, MI 48846 |
* | $ 199,330,000 | 1 | $ 108,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 478,912,000 | 1 | $ 40,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 183,830,000 | 1 | $ 104,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 1,603,122,000 | 1 | $ 115,000 |
| Prairie State Bank & Trust 3751 W. WABASH AVE SPRINGFIELD, IL 62704 |
* | $ 552,892,000 | 1 | $ 132,000 |
| Lafcu 106 N MARKETPLACE BLVD LANSING, MI 48917 |
* | $ 501,616,000 | 1 | $ 110,000 |
| Muskegon Co-Op Federal Credit Union 1051 PECK ST MUSKEGON, MI 49440 |
* | $ 40,782,000 | 1 | $ 15,000 |
| Keystone Mortgage Services 107 WEST MICHIGAN AVE KALAMAZOO, MI 49007 |
* | $ 14,238,395,000 | 1 | $ 193,000 |
| Union Bank Mortgage Company 933 FOURTH AVE LAKE ODESSA, MI 48849 |
* | $ 115,997,000 | 1 | $ 353,000 |
| Icnb Mortgage Company LLC 302 W MAIN ST IONIA, MI 48846 |
* | $ 209,112,000 | 1 | $ 106,000 |
| Bank of River Oaks, the 2929 KIRBY DRIVE HOUSTON, TX 77098 |
* | $ 253,361,000 | 1 | $ 175,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 457,006,000 | 1 | $ 130,000 |
| Muskegon Govt Emp Fed CU 65 W LAKETON AVE MUSKEGON, MI 49441 |
* | $ 42,734,000 | 1 | $ 30,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 371,510,000 | 1 | $ 159,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 2,985,260,000 | 1 | $ 390,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 151,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 245,559,000 | 1 | $ 103,000 |
| Omni Community Credit Union PO BOX 1537 BATTLE CREEK, MI 49015 |
* | $ 253,853,000 | 1 | $ 110,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,350,354,000 | 1 | $ 56,000 |
| Michigan Educational 9200 HAGGERTY ROAD PLYMOUTH, MI 48170 |
* | $ 595,785,000 | 1 | $ 100,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 324,527,000 | 1 | $ 40,000 |
| Aac Credit Union 904 BROADWAY NW GRAND RAPIDS, MI 49504 |
* | $ 69,858,000 | 1 | $ 229,000 |
| My Personal 1414 BURTON SW WYOMING, MI 49509 |
* | $ 100,097,000 | 1 | $ 70,000 |
| Origen Financial Services, LLC 27777 FRANKLIN RD. SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 28,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 1 | $ 75,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 42,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 86,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 176,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ 10,000,000 | 1 | $ 417,000 |
| Chicago Mortgage Solutions LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ 10,000,000 | 1 | $ 404,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 29,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 1 | $ 296,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 141,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 126,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 18,734,814,000 | 1 | $ 36,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 1 | $ 77,000 |
| E*Trade Bank 671 NORTH GLEBE ROAD, 12TH FLOOR ARLINGTON, VA 22203 |
* | $ 44,883,561,000 | 1 | $ 178,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 108,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 12,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 162,000 |
| Farmers Bank and Trust NA 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 665,875,000 | 1 | $ 117,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 1 | $ 100,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 161,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 31,465,215,000 | 1 | $ 564,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 1 | $ 140,000 |
| BNY Mellon, N.A. BOSTON, MA 02108 |
* | $ 11,459,900,000 | 1 | $ 645,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 7,724,367,000 | 1 | $ 136,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 70,000 |
The tables below break down 2011 mortgage applications in Oceana 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 Oceana County, MI in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 816 | $115,176,000 | $141,000 | $710,000 | $101,000 | $7,078,000 |
| Home Purchase | 267 | $29,098,000 | $108,000 | $575,000 | $86,000 | $1,353,000 |
| Home Improvement | 32 | $2,796,000 | $87,000 | $394,000 | $67,000 | $332,000 |
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 | 947 | $126,016,000 | $133,000 | $710,000 | $101,000 | $7,078,000 |
| Not Provided | 65 | $8,615,000 | $132,000 | $645,000 | $107,000 | $663,000 |
| Not applicable | 62 | $8,735,000 | $140,000 | $615,000 | $43,000 | $260,000 |
| Hispanic | 28 | $2,410,000 | $86,000 | $202,000 | $46,000 | $168,000 |
| American Indian or Alaskan Native | 9 | $726,000 | $80,000 | $144,000 | $46,000 | $101,000 |
| Black or African American | 3 | $505,000 | $168,000 | $367,000 | $89,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $63,000 | $63,000 | $63,000 | $46,000 | $46,000 |
| 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) | 919 | $127,855,000 | $139,000 | $710,000 | $110,000 | $7,078,000 |
| FHA-insured (Federal Housing Administration) | 131 | $13,510,000 | $103,000 | $448,000 | $28,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $3,576,000 | $77,000 | $155,000 | $35,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,129,000 | $112,000 | $199,000 | $53,000 | $168,000 |
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 | 546 | $73,331,000 | $134,000 | $647,000 | $113,000 | $7,078,000 |
| Application Denied By Financial Institution | 273 | $33,885,000 | $124,000 | $710,000 | $71,000 | $1,036,000 |
| Loan Purchased By The Institution | 148 | $21,795,000 | $147,000 | $650,000 | $94,000 | $1,353,000 |
| Application Withdrawn By Applicant | 79 | $9,367,000 | $118,000 | $417,000 | $71,000 | $395,000 |
| Application Approved But Not Accepted | 41 | $5,624,000 | $137,000 | $564,000 | $130,000 | $904,000 |
| File Closed For Incompleteness | 28 | $3,068,000 | $109,000 | $300,000 | $75,000 | $300,000 |
| 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 | 108 | $13,933,000 | $129,000 | $647,000 | $80,000 | $571,000 |
| Credit History | 51 | $4,586,000 | $89,000 | $710,000 | $51,000 | $244,000 |
| Credit Application Incomplete | 35 | $4,660,000 | $133,000 | $417,000 | $109,000 | $1,036,000 |
| Debt-To-Income Ratio | 34 | $4,675,000 | $137,000 | $411,000 | $42,000 | $114,000 |
| Other | 10 | $1,371,000 | $137,000 | $398,000 | $63,000 | $197,000 |
| Employment History | 3 | $181,000 | $60,000 | $112,000 | $41,000 | $62,000 |
| Unverifiable Information | 1 | $408,000 | $408,000 | $408,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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