Ogemaw County, MI Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 664 mortgage applications in Ogemaw County, MI totaling $84.2 million, down 24% from 2022. The average application was for $126,000, and applicants reported an average income of $91,000. 53% of applications resulted in an originated loan and 20% were denied. The most active lender was Huntington National Bank, with 97 applications, followed by Mercantile Bank and United Wholesale Mortgage.
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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 | 664 |
| Total Mortgage Loan Application Amount | $84,150,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $1,350,000 |
* 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 |
* | $ 182,325,674,000 | 97 | $ 8,705,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 4,853,001,000 | 71 | $ 7,755,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 32 | $ 6,170,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 24 | $ 2,850,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 22 | $ 3,920,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 18 | $ 2,160,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 16 | $ 2,090,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 1,510,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 12 | $ 2,120,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 11 | $ 1,265,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 10 | $ 1,800,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 8 | $ 850,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 8 | $ 1,080,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 4,469,837,000 | 8 | $ 850,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 8 | $ 1,260,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 7 | $ 1,005,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 7 | $ 395,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 7 | $ 1,565,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 750,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 4,995,759,000 | 6 | $ 510,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 1,416,441,000 | 6 | $ 500,000 |
| Dort Financial Credit Union 9048 HOLLY ROAD GRAND BLANC, MI 48439 |
* | $ 1,504,358,000 | 6 | $ 590,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 6 | $ 370,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 6 | $ 590,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 5 | $ 545,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 3,328,841,000 | 5 | $ 515,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 11,908,096,000 | 5 | $ 865,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 375,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 655,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 282,562,000 | 4 | $ 340,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 2,121,428,000 | 4 | $ 460,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 4 | $ 300,000 |
| Legacy Mortgage 1537 E HILL RD SUITE 100 GRAND BLANC, MI 48439 |
* | $ -1,000 | 4 | $ 1,080,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 4 | $ 470,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 17,923,519,000 | 4 | $ 880,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 4 | $ 720,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 4 | $ 680,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 455,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 1,199,213,000 | 3 | $ 225,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 715,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 3 | $ 495,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 535,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 931,934,000 | 3 | $ 335,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 8,748,360,000 | 3 | $ 665,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 375,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 455,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 285,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 405,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 3 | $ 395,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 3 | $ 305,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 1,031,864,000 | 3 | $ 255,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 6,002,039,000 | 3 | $ 605,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ -1,000 | 3 | $ 315,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 3 | $ 495,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 2,583,731,000 | 2 | $ 180,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 330,000 |
| Loc Credit Union 6246 CHASE ROAD FARMINGTON, MI 48336 |
* | $ -1,000 | 2 | $ 200,000 |
| Michigan Educational Credit Union 9200 HAGGERTY ROAD PLYMOUTH, MI 48178 |
* | $ 1,037,858,000 | 2 | $ 260,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 410,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 250,000 |
| Homepromise Corporation 60 S WASHINGTON ST, STE 106 GREENCASTLE, PA 17225 |
* | $ -1,000 | 2 | $ 510,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 2 | $ 150,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 7,276,719,000 | 2 | $ 300,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 814,372,000 | 2 | $ 130,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 2 | $ 90,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 290,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 230,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 7,794,340,000 | 2 | $ 170,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 2 | $ 120,000 |
| Superior National Bank 235 QUINCY ST HANCOCK, MI 49930 |
* | $ 1,043,951,000 | 2 | $ 230,000 |
| Advia Credit Union 550 S RIVERVIEW DR KALAMAZOO, MI 49009 |
* | $ 2,892,338,000 | 2 | $ 380,000 |
| Blg Holdings, LLC 2353 S. LINDEN RD. SUITE A FLINT, MI 48507 |
* | $ -1,000 | 2 | $ 350,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 320,414,000 | 2 | $ 170,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 1,228,239,000 | 2 | $ 210,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 190,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 215,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 225,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 135,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 175,000 |
| Tri-County Bank 4222 MAIN STREET BROWN CITY, MI 48416 |
* | $ 523,761,000 | 1 | $ 175,000 |
| Adventure Credit Union 630 32ND ST SE GRAND RAPIDS, MI 49548 |
* | $ 437,120,000 | 1 | $ 45,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 55,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 255,000 |
| Greenstone Farm Credit Services 5285 W US-223 EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 35,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 750,658,000 | 1 | $ 55,000 |
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 1,531,732,000 | 1 | $ 35,000 |
| Mid-Continent Funding, Inc. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 325,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 1,750,069,000 | 1 | $ 65,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 185,000 |
| Monroe Community Credit Union 715 N TELEGRAPH ROAD MONROE, MI 48162 |
* | $ 328,302,000 | 1 | $ 15,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 457,330,000 | 1 | $ 215,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ -1,000 | 1 | $ 85,000 |
| UBS Bank USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 120,987,397,000 | 1 | $ 205,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ -1,000 | 1 | $ 55,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 95,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 1 | $ 155,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 105,000 |
| Public Service Credit Union 7665 MERRIMAN RD ROMULUS, MI 48174 |
* | $ 390,883,000 | 1 | $ 135,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 3,908,828,000 | 1 | $ 15,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 1 | $ 325,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 165,000 |
| Northstar Bank 833 S. VAN DYKE RD. BAD AXE, MI 48413 |
* | $ 911,313,000 | 1 | $ 195,000 |
| Highlands Residential Mortgage, Ltd. 950 W BETHANY DR STE 800 ALLEN, TX 75013 |
* | $ -1,000 | 1 | $ 155,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 155,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 225,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 195,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 85,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 215,000 |
| Michigan One Community Credit Union 510 S DEXTER ST. IONIA, MI 48446 |
* | $ 200,183,000 | 1 | $ 75,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,758,444,000 | 1 | $ 15,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 165,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 115,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 1,165,269,000 | 1 | $ 125,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 686,921,000 | 1 | $ 125,000 |
| Choiceone Bank 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 2,382,585,000 | 1 | $ 175,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 75,000 |
| Sunflower Bank, N.A. 3025 CORTLAND CIRCLE - PO BOX 800 DALLAS, TX 75225 |
* | $ 7,415,263,000 | 1 | $ 95,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 265,000 |
| Family First CU 3550 TITTABAWASSEE SAGINAW, MI 48602 |
* | $ 88,618,000 | 1 | $ 35,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 105,000 |
| University of Michigan Credit Union 340 E. HURON ANN ARBOR, MI 48104 |
* | $ 1,361,435,000 | 1 | $ 185,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 225,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ 2,031,988,000 | 1 | $ 275,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,981,367,000 | 1 | $ 215,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 1 | $ 225,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 175,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 95,000 |
The tables below break down 2023 mortgage applications in Ogemaw 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 Ogemaw County, MI in 2023
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 | 355 | $55,315,000 | $155,000 | $575,000 | $102,000 | $1,350,000 |
| Cash-out Refinancing | 99 | $12,555,000 | $126,000 | $555,000 | $86,000 | $532,000 |
| Home Improvement | 87 | $4,975,000 | $57,000 | $225,000 | $71,000 | $354,000 |
| Other Purpose | 85 | $6,855,000 | $80,000 | $255,000 | $79,000 | $600,000 |
| Refinancing | 36 | $4,280,000 | $118,000 | $365,000 | $82,000 | $654,000 |
| Not Applicable | 2 | $170,000 | $85,000 | $105,000 | $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 | 529 | $65,695,000 | $124,000 | $575,000 | $93,000 | $1,350,000 |
| Not Provided | 72 | $10,130,000 | $140,000 | $405,000 | $82,000 | $308,000 |
| Not applicable | 43 | $6,295,000 | $146,000 | $325,000 | $151,000 | $151,000 |
| Hispanic | 11 | $1,125,000 | $102,000 | $265,000 | $70,000 | $98,000 |
| American Indian or Alaskan Native | 6 | $300,000 | $50,000 | $95,000 | $53,000 | $110,000 |
| Black or African American | 2 | $270,000 | $135,000 | $195,000 | $112,000 | $192,000 |
| Asian | 1 | $335,000 | $335,000 | $335,000 | $223,000 | $223,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 492 | $57,730,000 | $117,000 | $475,000 | $99,000 | $1,350,000 |
| FHA-insured (Federal Housing Administration) | 100 | $13,680,000 | $136,000 | $555,000 | $62,000 | $330,000 |
| VA-guaranteed (Veterans Administration) | 57 | $10,875,000 | $190,000 | $575,000 | $75,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,865,000 | $124,000 | $225,000 | $48,000 | $76,000 |
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 | 355 | $46,055,000 | $129,000 | $425,000 | $101,000 | $681,000 |
| Application Denied By Financial Institution | 134 | $13,920,000 | $103,000 | $575,000 | $67,000 | $247,000 |
| Application Withdrawn By Applicant | 90 | $11,870,000 | $131,000 | $435,000 | $97,000 | $1,350,000 |
| Loan Purchased By The Institution | 41 | $6,065,000 | $147,000 | $325,000 | $151,000 | $151,000 |
| File Closed For Incompleteness | 34 | $4,810,000 | $141,000 | $555,000 | $65,000 | $222,000 |
| Application Approved But Not Accepted | 8 | $1,110,000 | $138,000 | $325,000 | $94,000 | $240,000 |
| Preapproval Approved but not Accepted | 2 | $320,000 | $160,000 | $185,000 | $105,000 | $152,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 525 | $69,615,000 | $132,000 | $555,000 | $98,000 | $1,350,000 |
| Credit History | 55 | $4,295,000 | $78,000 | $575,000 | $58,000 | $193,000 |
| Debt-To-Income Ratio | 30 | $3,750,000 | $125,000 | $475,000 | $59,000 | $247,000 |
| Collateral | 28 | $3,540,000 | $126,000 | $385,000 | $82,000 | $223,000 |
| Credit Application Incomplete | 14 | $1,250,000 | $89,000 | $325,000 | $80,000 | $247,000 |
| Other | 5 | $505,000 | $101,000 | $175,000 | $73,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $525,000 | $175,000 | $345,000 | $101,000 | $167,000 |
| Unverifiable Information | 2 | $380,000 | $190,000 | $255,000 | $121,000 | $177,000 |
| Employment History | 2 | $290,000 | $145,000 | $215,000 | $86,000 | $131,000 |
| 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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