Otsego County, MI Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,113 mortgage applications in Otsego County, MI totaling $127.7 million, down 15% from 2016. The average application was for $114,000, and applicants reported an average income of $68,000. 58% of applications resulted in an originated loan and 19% were denied. The most active lender was Community Financial, with 141 applications, followed by Chemical Bank and Amerifirst Financial Corporation.
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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 | 1,113 |
| Total Mortgage Loan Application Amount | $127,743,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $1,580,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $777,000 |
* 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 |
|---|---|---|---|---|
| Community Financial 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 766,064,000 | 141 | $ 9,383,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 17,284,293,000 | 129 | $ 15,159,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 121 | $ 13,814,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 69 | $ 9,591,000 |
| Fifth Third Mortgage-Mi, LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 60 | $ 7,169,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 46 | $ 5,582,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 39 | $ 4,530,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 18 | $ 1,877,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 18 | $ 1,798,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 18 | $ 1,986,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 139,776,168,000 | 15 | $ 997,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 15 | $ 1,247,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 978,451,000 | 15 | $ 1,970,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 14 | $ 1,526,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,116,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 13 | $ 2,423,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 11 | $ 1,546,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 11 | $ 1,583,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 10 | $ 1,430,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 3,413,046,000 | 10 | $ 454,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 9 | $ 1,645,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,537,351,000 | 9 | $ 726,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 1,422,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 8 | $ 1,027,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 4,823,232,000 | 8 | $ 1,232,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 7 | $ 1,018,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 6 | $ 710,000 |
| Michigan Schools and Governmen 40400 GARFIELD ROAD CLINTON TOWNSHIP, MI 48038 |
* | $ 1,669,905,000 | 6 | $ 704,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 5 | $ 465,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 5 | $ 66,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 5 | $ 595,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 4 | $ 648,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 4 | $ 393,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 703,070,000 | 4 | $ 797,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 2,204,471,000 | 4 | $ 176,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 4 | $ 938,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 4 | $ 670,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 4 | $ 333,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 772,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 3 | $ 301,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 319,000 |
| Dfcu Financial 400 TOWN CENTER DRIVE DEARBORN, MI 48121 |
* | $ 4,362,200,000 | 3 | $ 168,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 58,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 419,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 3 | $ 545,000 |
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 470,666,000 | 3 | $ 538,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 295,000 |
| Mb Financial Bank, National Association 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 19,227,800,000 | 3 | $ 382,000 |
| Advisors Capital, Inc. 39810 GRAND RIVER AVE., SUITE C-200 NOVI, MI 48375 |
* | $ -1,000 | 3 | $ 345,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 223,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 180,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 2 | $ 194,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 201,000 |
| Freestar Financial Credit Union PO BOX 2800 MT. CLEMENS, MI 48046 |
* | $ 192,605,000 | 2 | $ 215,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 3,062,597,000 | 2 | $ 307,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 280,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 182,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 352,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 422,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 587,672,000 | 2 | $ 298,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 2 | $ 390,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 385,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ -1,000 | 2 | $ 310,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ -1,000 | 2 | $ 112,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 2 | $ 328,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 21,689,804,000 | 2 | $ 208,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ -1,000 | 2 | $ 185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 242,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ -1,000 | 2 | $ 208,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 283,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 149,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ 89,030,433,000 | 1 | $ 122,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 1,089,661,000 | 1 | $ 89,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 160,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 417,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 226,536,000 | 1 | $ 120,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ -1,000 | 1 | $ 59,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 64,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 14,759,060,000 | 1 | $ 228,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 207,000 |
| Monroe Bank & Trust 102 E FRONT ST MONROE, MI 48161 |
* | $ 1,356,363,000 | 1 | $ 118,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ -1,000 | 1 | $ 154,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ -1,000 | 1 | $ 209,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 1 | $ 200,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 92,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 198,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 218,345,000 | 1 | $ 54,000 |
| Homestead Funding Corp. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ -1,000 | 1 | $ 336,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 70,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 89,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 570,063,000 | 1 | $ 27,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 498,513,000 | 1 | $ 168,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 145,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 491,165,000 | 1 | $ 149,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 1 | $ 76,000 |
| Vibe Credit Union 1375 N OAKLAND BLVD NOVI, MI 48377 |
* | $ 329,757,000 | 1 | $ 84,000 |
| Michigan Legacy Credit Union 144 E PIKE WYANDOTTE, MI 48192 |
* | $ 172,445,000 | 1 | $ 78,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,939,799,000 | 1 | $ 180,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 64,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 105,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 83,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 170,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 1 | $ 175,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 113,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 172,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 1 | $ 108,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ -1,000 | 1 | $ 91,000 |
| Motor City Co-Op Credit Union 37321 GARFIELD ROAD CLINTON TWP, MI 48036 |
* | $ 143,148,000 | 1 | $ 11,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 230,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ -1,000 | 1 | $ 152,000 |
| Members First Credit Union PO BOX 2165 MIDLAND, MI 48640 |
* | $ 390,656,000 | 1 | $ 153,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 100,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 284,312,000 | 1 | $ 235,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 501,329,000 | 1 | $ 10,000 |
| Croghan Colonial Bank 323 CROGHAN ST FREMONT, OH 43420 |
* | $ 817,722,000 | 1 | $ 100,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ 412,902,000 | 1 | $ 10,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 120,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 94,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 122,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,528,748,000 | 1 | $ 156,000 |
| Dart Bank 368 S. PARK ST. MASON, MI 48854 |
* | $ 378,516,000 | 1 | $ 75,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 1 | $ 195,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 128,000 |
| Pacor Mortgage Corp 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ -1,000 | 1 | $ 240,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 785,587,000 | 1 | $ 130,000 |
| Inlanta Mortgage, Inc. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ -1,000 | 1 | $ 152,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 102,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 70,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 326,110,000 | 1 | $ 160,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 214,000 |
| First State Bank 24300 LITTLE MACK ST CLAIR SHORES, MI 48080 |
* | $ 665,434,000 | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 186,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 286,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 131,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 15,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 112,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,121,439,000 | 1 | $ 28,000 |
The tables below break down 2017 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 2017
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 | 547 | $74,411,000 | $136,000 | $1,580,000 | $72,000 | $777,000 |
| Refinancing | 422 | $47,340,000 | $112,000 | $640,000 | $63,000 | $531,000 |
| Home Improvement | 144 | $5,992,000 | $41,000 | $382,000 | $70,000 | $229,000 |
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 | 882 | $101,093,000 | $114,000 | $1,580,000 | $74,000 | $777,000 |
| Not Provided | 127 | $14,273,000 | $112,000 | $417,000 | $69,000 | $251,000 |
| Not applicable | 80 | $9,942,000 | $124,000 | $451,000 | $2,000 | $67,000 |
| American Indian or Alaskan Native | 11 | $1,048,000 | $95,000 | $226,000 | $78,000 | $202,000 |
| Hispanic | 8 | $748,000 | $93,000 | $186,000 | $99,000 | $339,000 |
| Asian | 4 | $568,000 | $142,000 | $178,000 | $101,000 | $245,000 |
| Black or African American | 1 | $71,000 | $71,000 | $71,000 | $32,000 | $32,000 |
| 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) | 762 | $85,198,000 | $111,000 | $1,580,000 | $80,000 | $777,000 |
| FHA-insured (Federal Housing Administration) | 165 | $17,690,000 | $107,000 | $417,000 | $39,000 | $116,000 |
| VA-guaranteed (Veterans Administration) | 109 | $17,025,000 | $156,000 | $417,000 | $55,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 77 | $7,830,000 | $101,000 | $195,000 | $35,000 | $75,000 |
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 | 647 | $75,469,000 | $116,000 | $1,580,000 | $78,000 | $777,000 |
| Application Denied By Financial Institution | 209 | $22,242,000 | $106,000 | $640,000 | $59,000 | $650,000 |
| Application Withdrawn By Applicant | 93 | $10,858,000 | $116,000 | $336,000 | $73,000 | $301,000 |
| Loan Purchased By The Institution | 90 | $11,442,000 | $127,000 | $451,000 | $17,000 | $230,000 |
| File Closed For Incompleteness | 37 | $3,933,000 | $106,000 | $217,000 | $55,000 | $165,000 |
| Application Approved But Not Accepted | 37 | $3,799,000 | $102,000 | $285,000 | $84,000 | $475,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 42 | $3,110,000 | $74,000 | $230,000 | $48,000 | $120,000 |
| Debt-To-Income Ratio | 26 | $2,605,000 | $100,000 | $345,000 | $31,000 | $133,000 |
| Collateral | 26 | $3,056,000 | $117,000 | $298,000 | $76,000 | $211,000 |
| Credit Application Incomplete | 20 | $2,005,000 | $100,000 | $200,000 | $80,000 | $239,000 |
| Other | 8 | $993,000 | $124,000 | $225,000 | $136,000 | $650,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $728,000 | $121,000 | $210,000 | $44,000 | $109,000 |
| Unverifiable Information | 2 | $247,000 | $123,000 | $179,000 | $33,000 | $65,000 |
| Employment History | 1 | $93,000 | $93,000 | $93,000 | $63,000 | $63,000 |
| 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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