Otsego County, MI Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,405 mortgage applications in Otsego County, MI totaling $169.8 million, up 8% from 2008. The average application was for $120,000, and applicants reported an average income of $68,000. 44% of applications resulted in an originated loan and 18% were denied. The most active lender was Fifth Third Mortgage, Mi LLC, with 186 applications, followed by Fifth Third Mortgage Company and Independent Mortgage Co.
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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 | 1,405 |
| Total Mortgage Loan Application Amount | $169,832,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $1,603,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $4,329,000 |
* 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 |
|---|---|---|---|---|
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 186 | $ 24,378,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 133 | $ 15,750,000 |
| Independent Mortgage Co 230 W MAIN ST IONIA, MI 48846 |
* | $ 2,953,214,000 | 105 | $ 11,790,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 426,321,000 | 101 | $ 6,061,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 84 | $ 11,644,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 79 | $ 12,000,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 12,266,600,000 | 71 | $ 10,089,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 68 | $ 9,745,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 54 | $ 7,306,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 452,006,000 | 51 | $ 6,353,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 42 | $ 2,983,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 42 | $ 5,184,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 33 | $ 1,855,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 24 | $ 2,272,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 21 | $ 3,148,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 16 | $ 1,793,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 14 | $ 1,751,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 13 | $ 1,444,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 13 | $ 1,225,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 13 | $ 1,846,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 12 | $ 1,588,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,953,214,000 | 10 | $ 354,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 1,225,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 9 | $ 443,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 1,077,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 8 | $ 1,190,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 6 | $ 1,139,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 6 | $ 1,003,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 6 | $ 883,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 5 | $ 572,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 732,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 10,000,000 | 4 | $ 568,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 4 | $ 372,000 |
| Paramount Bank 31000 NORTHWESTERN HWY., #200 FARMINGTON HILLS, MI 48334 |
* | $ 277,998,000 | 4 | $ 783,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 4 | $ 249,000 |
| Bank of Ann Arbor 1333 W ANN ARBOR ROAD ANN ARBOR, MI 48104 |
* | $ 489,167,000 | 4 | $ 563,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,311,463,000 | 3 | $ 371,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 318,836,000 | 3 | $ 630,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,824,244,000 | 3 | $ 357,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 3,866,622,000 | 3 | $ 319,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 3 | $ 479,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 451,710,000 | 3 | $ 216,000 |
| Tranex Financial Inc. 26200 AMERICAN DRIVE SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 445,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 298,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 263,000 |
| Capital Mortgage Funding, LLC 17170 WEST 12 MILE ROAD SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 3 | $ 438,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 605,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 3 | $ 180,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 2 | $ 185,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 2 | $ 290,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 2 | $ 415,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 924,359,000 | 2 | $ 257,000 |
| First General 589 E ELLIS RD MUSKEGON, MI 49441 |
* | $ 38,793,000 | 2 | $ 40,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 227,958,000 | 2 | $ 281,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 1,569,230,000 | 2 | $ 105,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 454,334,000 | 2 | $ 197,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 653,000 |
| Src Mortgage 402 E. FRONT STREET TRAVERSE CITY, MI 49686 |
* | $ 2,223,299,000 | 2 | $ 133,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 2 | $ 393,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 23,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 349,000 |
| Firstbank - Alma Mortgage Co 311 WOODWORTH AVE. ALMA, MI 48801 |
* | $ 260,365,000 | 2 | $ 202,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 376,000 |
| Mercantile Bank Mtg Co LLC 4613 ALPINE AVE NW COMSTOCK PARK, MI 49321 |
* | $ 698,000,000 | 2 | $ 215,000 |
| United Mortgage Company-Washte 2723 S STATE ST ANN ARBOR, MI 48106 |
* | $ 177,163,000 | 2 | $ 160,000 |
| United Mortgage Company 205 E. CHICAGO BLVD. TECUMSEH, MI 49286 |
* | $ 468,861,000 | 1 | $ 83,000 |
| The Private Bank Mortgage Comp 38505 WOODWARD AVE. SUITE 1300 BLOOMFIELD HILLS, MI 48304 |
* | $ 265,498,000 | 1 | $ 115,000 |
| Community Central Bank 120 N. MAIN STREET MOUNT CLEMENS, MI 48043 |
* | $ 554,415,000 | 1 | $ 184,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 602,292,000 | 1 | $ 102,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 170,293,000 | 1 | $ 34,000 |
| Monarch Community Bank 375 N WILLOWBROOK RD COLDWATER, MI 49036 |
* | $ 291,479,000 | 1 | $ 96,000 |
| Peoples State Bank 1700 E 12 MILE RD MADISON HEIGHTS, MI 48071 |
* | $ 460,405,000 | 1 | $ 417,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 25,000 |
| Tcb Mortgage LLC 4511 VAN DYKE ALMONT, MI 48003 |
* | $ 189,681,000 | 1 | $ 194,000 |
| Chippewa Valley Bank 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 201,171,000 | 1 | $ 75,000 |
| Onewest Bank, FSB 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 36,000,000,000 | 1 | $ 110,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 170,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,519,961,000 | 1 | $ 216,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 274,379,000 | 1 | $ 340,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 101,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 24,000 |
| The Dart Mortgage Co., LLC 368 S. PARK ST., P.O. BOX 40 MASON, MI 48854 |
* | $ 218,941,000 | 1 | $ 80,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 63,857,000 | 1 | $ 147,000 |
| Mbt Credit Co 102 E FRONT ST MONROE, MI 48161 |
* | $ 1,409,770,000 | 1 | $ 120,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 23,334,333,000 | 1 | $ 112,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 295,097,000 | 1 | $ 5,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 102,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 160,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 16,000 |
| Capitol National Bank 200 N WASHINGTON SQUARE LANSING, MI 48933 |
* | $ 248,179,000 | 1 | $ 220,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 76,000 |
| Thumb National Mortgage LLC 7254 MICHIGAN AVE PIGEON, MI 48755 |
* | $ 181,354,000 | 1 | $ 80,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 360,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,083,993,000 | 1 | $ 290,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 185,098,787,000 | 1 | $ 437,000 |
| Amera Mortgage Corporation 1050 CORPORATE OFFICE DR #200 MILFORD, MI 48381 |
* | $ 1,300,000,000 | 1 | $ 68,000 |
| Byron Bank 2445 84TH STREET SW BYRON CENTER, MI 49316 |
* | $ 837,948,000 | 1 | $ 83,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,159,689,000 | 1 | $ 82,000 |
| Bestsource CU 1054 W HURON STREET WATERFORD, MI 48328 |
* | $ 109,024,000 | 1 | $ 200,000 |
| Nuunion Credit Union 501 S CAPITOL LANSING, MI 48933 |
* | $ 802,008,000 | 1 | $ 30,000 |
| Ukrainian Selfreliance Mfcu 26791 RYAN WARREN, MI 48091 |
* | $ 139,108,000 | 1 | $ 33,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 301,455,000 | 1 | $ 67,000 |
| Alliance Catholic Credit Union 26913 NORTHWESTERN HWY STE 520 FARMINGTON HILLS, MI 48334 |
* | $ 232,504,000 | 1 | $ 30,000 |
| Meijer Credit Union 2410 GAYNOR AVE. NW GRAND RAPIDS, MI 49544 |
* | $ 50,787,000 | 1 | $ 200,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 739,229,000 | 1 | $ 5,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 409,863,000 | 1 | $ 174,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 228,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 1 | $ 207,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 240,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 213,000 |
| American General Fin.Serv.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 182,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 84,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 156,000 |
| Rmc Vanguard 7670 WOODWAY, SUITE 162 HOUSTON, TX 77063 |
* | $ 20,000,000 | 1 | $ 125,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 187,000 |
The tables below break down 2009 mortgage applications in Otsego 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 Otsego County, MI in 2009
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 | 1,018 | $134,732,000 | $132,000 | $1,603,000 | $71,000 | $4,329,000 |
| Home Purchase | 311 | $32,362,000 | $104,000 | $437,000 | $60,000 | $881,000 |
| Home Improvement | 76 | $2,738,000 | $36,000 | $417,000 | $69,000 | $1,200,000 |
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 | 1,181 | $143,351,000 | $121,000 | $1,603,000 | $73,000 | $4,329,000 |
| Not applicable | 122 | $14,642,000 | $120,000 | $437,000 | $28,000 | $325,000 |
| Not Provided | 77 | $8,770,000 | $113,000 | $342,000 | $70,000 | $347,000 |
| Hispanic | 11 | $1,700,000 | $154,000 | $233,000 | $106,000 | $254,000 |
| American Indian or Alaskan Native | 7 | $596,000 | $85,000 | $162,000 | $47,000 | $87,000 |
| Asian | 6 | $574,000 | $95,000 | $161,000 | $22,000 | $45,000 |
| Black or African American | 1 | $199,000 | $199,000 | $199,000 | $0 | $0 |
| 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) | 1,101 | $133,087,000 | $120,000 | $1,603,000 | $78,000 | $4,329,000 |
| FHA-insured (Federal Housing Administration) | 212 | $26,581,000 | $125,000 | $275,000 | $37,000 | $132,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $7,045,000 | $97,000 | $221,000 | $24,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 20 | $3,119,000 | $155,000 | $428,000 | $25,000 | $80,000 |
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 | 618 | $74,764,000 | $120,000 | $708,000 | $90,000 | $4,329,000 |
| Loan Purchased By The Institution | 331 | $40,978,000 | $123,000 | $437,000 | $26,000 | $398,000 |
| Application Denied By Financial Institution | 252 | $28,142,000 | $111,000 | $407,000 | $63,000 | $369,000 |
| Application Approved But Not Accepted | 91 | $10,263,000 | $112,000 | $384,000 | $68,000 | $325,000 |
| Application Withdrawn By Applicant | 84 | $10,535,000 | $125,000 | $417,000 | $84,000 | $1,200,000 |
| File Closed For Incompleteness | 29 | $5,150,000 | $177,000 | $1,603,000 | $91,000 | $1,000,000 |
| 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 | 90 | $11,728,000 | $130,000 | $356,000 | $79,000 | $369,000 |
| Debt-To-Income Ratio | 38 | $5,483,000 | $144,000 | $350,000 | $71,000 | $300,000 |
| Credit History | 35 | $2,082,000 | $59,000 | $240,000 | $43,000 | $85,000 |
| Other | 12 | $1,161,000 | $96,000 | $213,000 | $48,000 | $137,000 |
| Unverifiable Information | 9 | $1,353,000 | $150,000 | $313,000 | $59,000 | $144,000 |
| Credit Application Incomplete | 8 | $1,234,000 | $154,000 | $270,000 | $87,000 | $333,000 |
| Employment History | 4 | $359,000 | $89,000 | $116,000 | $36,000 | $61,000 |
| Mortgage Insurance Denied | 2 | $126,000 | $63,000 | $122,000 | $77,000 | $101,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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