Otsego County, MI Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,329 mortgage applications in Otsego County, MI totaling $160.3 million, down 3% from 2012. The average application was for $120,000, and applicants reported an average income of $63,000. 51% of applications resulted in an originated loan and 18% were denied. The most active lender was Fifth Third Mortgage, Mi LLC, with 196 applications, followed by Fifth Third Mortgage Company and Community Financial Credit Uni.
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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 | 1,329 |
| Total Mortgage Loan Application Amount | $160,341,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $25,930,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $1,080,000 |
* 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 | 196 | $ 20,957,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 145 | $ 15,260,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 511,526,000 | 130 | $ 8,683,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 545,696,000 | 72 | $ 8,288,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,904,498,000 | 65 | $ 6,464,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 61 | $ 6,197,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 43 | $ 4,932,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 43 | $ 4,485,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 42 | $ 2,166,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 35 | $ 3,848,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 32 | $ 2,932,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 31 | $ 2,506,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 26 | $ 2,277,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,901,417,000 | 24 | $ 1,687,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 23 | $ 2,699,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,021,254,000 | 16 | $ 1,067,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 16 | $ 1,644,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 14 | $ 1,401,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 13 | $ 1,760,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 10 | $ 1,402,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 8 | $ 1,103,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 8 | $ 1,231,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 8 | $ 826,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,731,663,000 | 8 | $ 1,154,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 7 | $ 950,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 7 | $ 588,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,344,663,000 | 6 | $ 705,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 6 | $ 717,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 5 | $ 387,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 652,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 5 | $ 623,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 5 | $ 508,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 5 | $ 315,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 4 | $ 805,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 4 | $ 486,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 4 | $ 364,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 4 | $ 524,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 160,682,000 | 4 | $ 328,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 4 | $ 281,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 4 | $ 451,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 338,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 4 | $ 452,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 170,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 302,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 3 | $ 312,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 554,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 261,846,000 | 3 | $ 279,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 3 | $ 187,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 310,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 3,364,336,000 | 2 | $ 276,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,482,505,000 | 2 | $ 40,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 257,000 |
| Comerica Bank FARMINGTON HILLS, MI 48331 |
* | $ 65,252,151,000 | 2 | $ 267,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 2 | $ 232,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 2 | $ 80,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 240,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 2 | $ 153,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 315,751,000 | 2 | $ 123,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,031,038,000 | 2 | $ 367,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 437,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 2 | $ 345,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 2 | $ 386,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 677,491,000 | 2 | $ 182,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 187,000 |
| Rbc Bank (Georgia), N.A. 8081 ARCO CORPORATE DRIVE RALEIGH, NC 27617 |
* | $ 2,972,167,000 | 1 | $ 55,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 33,878,000 | 1 | $ 206,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 284,479,000 | 1 | $ 250,000 |
| Member Advantage Mortgage 3330 BROADMOOR SE, SUITE B GRAND RAPIDS, MI 49512 |
* | $ 8,810,000 | 1 | $ 66,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 73,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 357,665,000 | 1 | $ 43,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,312,554,000 | 1 | $ 340,000 |
| Community State Bank PO BOX 469 BIRCH RUN, MI 48415 |
* | $ 195,919,000 | 1 | $ 136,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 669,944,000 | 1 | $ 25,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 129,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 72,000 |
| Arbor Financial Credit Union 1551 SOUTH 9TH STREET KALAMAZOO, MI 49009 |
* | $ 381,687,000 | 1 | $ 60,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Berkeley Point Capital LLC BOSTON, MA 02110 |
* | $ 10,000,000 | 1 | $ 25,930,000 |
| Advisors Capital, Inc. 39810 GRAND RIVER AVE., SUITE C-200 NOVI, MI 48375 |
* | $ 3,243,000 | 1 | $ 145,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 221,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Intouch Credit Union P O BOX 250169 PLANO, TX 75025 |
* | $ 832,040,000 | 1 | $ 73,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 1,415,492,000 | 1 | $ 194,000 |
| The Bank of Holland 150 CENTRAL AVE HOLLAND, MI 49423 |
* | $ 653,442,000 | 1 | $ 91,000 |
| Journey Federal Credit Union 1200 ZEEB DRIVE ST. JOHNS, MI 48879 |
* | $ 90,592,000 | 1 | $ 7,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 140,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 180,163,000 | 1 | $ 108,000 |
| United Bank and Trust 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 906,438,000 | 1 | $ 49,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 227,901,000 | 1 | $ 76,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 119,772,000 | 1 | $ 138,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 558,675,000 | 1 | $ 350,000 |
| Homesite Mortgage, LLC 222 S MAIN ST STE 106 ROCHESTER, MI 48307 |
* | $ 6,646,000 | 1 | $ 83,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 77,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Aspire Financial Inc 4100 ALPHA RD #112 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 75,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 98,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 155,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 25,893,829,000 | 1 | $ 104,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 388,525,000 | 1 | $ 121,000 |
| Community Mortgage Funding, LLC 3201 WEST TEMPLE AVE, SUITE 120 POMONA, CA 91768 |
* | $ 500,000,000 | 1 | $ 55,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 467,737,000 | 1 | $ 25,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 366,440,000 | 1 | $ 78,000 |
| Vibe 44575 W 12 MILE NOVI, MI 48377 |
* | $ 424,657,000 | 1 | $ 59,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 112,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 1 | $ 75,000 |
| CIBC Bank USA 120 SOUTH LASALLE CHICAGO, IL 60602 |
* | $ 14,025,614,000 | 1 | $ 86,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 8,270,837,000 | 1 | $ 67,000 |
| First Community Bank 200 EAST MAIN STREET HARBOR SPRINGS, MI 49740 |
* | $ 250,110,000 | 1 | $ 339,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 1 | $ 250,000 |
The tables below break down 2013 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 2013
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 | 844 | $92,870,000 | $110,000 | $700,000 | $66,000 | $1,080,000 |
| Home Purchase | 399 | $65,768,000 | $164,000 | $25,930,000 | $60,000 | $518,000 |
| Home Improvement | 86 | $1,703,000 | $19,000 | $149,000 | $55,000 | $298,000 |
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 | 1,162 | $115,318,000 | $99,000 | $417,000 | $64,000 | $774,000 |
| Not Provided | 87 | $9,494,000 | $109,000 | $379,000 | $74,000 | $1,080,000 |
| Not applicable | 64 | $33,366,000 | $521,000 | $25,930,000 | $36,000 | $288,000 |
| Asian | 7 | $627,000 | $89,000 | $200,000 | $30,000 | $90,000 |
| Hispanic | 3 | $715,000 | $238,000 | $333,000 | $364,000 | $600,000 |
| American Indian or Alaskan Native | 3 | $528,000 | $176,000 | $188,000 | $24,000 | $49,000 |
| Black or African American | 2 | $125,000 | $62,000 | $63,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $168,000 | $168,000 | $168,000 | $34,000 | $34,000 |
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) | 1,026 | $131,004,000 | $127,000 | $25,930,000 | $73,000 | $1,080,000 |
| FHA-insured (Federal Housing Administration) | 147 | $13,999,000 | $95,000 | $228,000 | $27,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 90 | $7,716,000 | $85,000 | $188,000 | $32,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 66 | $7,622,000 | $115,000 | $237,000 | $40,000 | $120,000 |
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 | 678 | $68,337,000 | $100,000 | $700,000 | $78,000 | $774,000 |
| Loan Purchased By The Institution | 247 | $26,014,000 | $105,000 | $417,000 | $20,000 | $288,000 |
| Application Denied By Financial Institution | 241 | $22,817,000 | $94,000 | $379,000 | $64,000 | $1,080,000 |
| Application Withdrawn By Applicant | 91 | $35,617,000 | $391,000 | $25,930,000 | $63,000 | $400,000 |
| Application Approved But Not Accepted | 45 | $5,117,000 | $113,000 | $370,000 | $95,000 | $600,000 |
| File Closed For Incompleteness | 27 | $2,439,000 | $90,000 | $250,000 | $54,000 | $169,000 |
| 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 | 75 | $9,297,000 | $123,000 | $379,000 | $86,000 | $1,080,000 |
| Credit History | 45 | $2,713,000 | $60,000 | $166,000 | $54,000 | $250,000 |
| Debt-To-Income Ratio | 34 | $2,927,000 | $86,000 | $280,000 | $43,000 | $180,000 |
| Other | 19 | $1,586,000 | $83,000 | $187,000 | $97,000 | $375,000 |
| Credit Application Incomplete | 12 | $1,272,000 | $106,000 | $288,000 | $66,000 | $265,000 |
| Unverifiable Information | 3 | $363,000 | $121,000 | $177,000 | $32,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $137,000 | $68,000 | $72,000 | $53,000 | $85,000 |
| Employment History | 1 | $155,000 | $155,000 | $155,000 | $53,000 | $53,000 |
| 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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