Owen County, IN Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 916 mortgage applications in Owen County, IN totaling $93.9 million, up 14% from 2014. The average application was for $102,000, and applicants reported an average income of $55,000. 53% of applications resulted in an originated loan and 24% were denied. The most active lender was Owen County State Bank, with 152 applications, followed by Our Community Bank and Wells Fargo Bank NA.
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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 | 916 |
| Total Mortgage Loan Application Amount | $93,880,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $2,119,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $1,012,000 |
* 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 |
|---|---|---|---|---|
| Owen County State Bank 201 W MORGAN ST SPENCER, IN 47460 |
* | $ 181,003,000 | 152 | $ 9,783,000 |
| Our Community Bank 279 E MORGAN STREET SPENCER, IN 47460 |
* | $ 64,804,000 | 55 | $ 4,327,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 32 | $ 2,977,000 |
| The Poples State Bank 601 E TEMPERANCE ST ELLETTSVILLE, IN 47429 |
* | $ 209,451,000 | 30 | $ 4,034,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 22 | $ 2,051,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 2,137,000 |
| Indiana University CU PO BOX 368 BLOOMINGTON, IN 47401 |
* | $ 780,557,000 | 21 | $ 1,146,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ 10,000,000 | 19 | $ 2,542,000 |
| Bloombank 48 N WASHINGTON ST BLOOMFIELD, IN 47424 |
* | $ 380,274,000 | 19 | $ 1,652,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 18 | $ 2,535,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,904,575,000 | 18 | $ 1,075,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 17 | $ 2,236,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 17 | $ 2,500,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 15 | $ 1,472,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 10,000,000 | 15 | $ 1,644,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 15 | $ 1,541,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 14 | $ 1,662,000 |
| First National Bank 302 S MAIN ST CLOVERDALE, IN 46120 |
* | $ 260,753,000 | 13 | $ 1,310,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 13 | $ 1,445,000 |
| Crane Federal Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 421,673,000 | 12 | $ 1,078,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 12 | $ 1,287,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 11 | $ 1,074,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 11 | $ 1,211,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 11 | $ 1,020,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 10 | $ 1,349,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,446,095,000 | 10 | $ 1,691,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 9 | $ 705,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 118,801,412,000 | 9 | $ 466,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 9 | $ 304,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 7 | $ 851,000 |
| New York Community Bank 615 MERRICK AVENUE WESTBURY, NY 11590 |
* | $ 44,281,869,000 | 7 | $ 1,204,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 7 | $ 1,217,000 |
| Land Home Financial Services, 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 7 | $ 667,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 7 | $ 1,217,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 6 | $ 757,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 6 | $ 549,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 6 | $ 844,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 6 | $ 675,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 701,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 608,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 2,227,013,000 | 5 | $ 683,000 |
| Indiana Members Credit Union 4790 E. 96TH STREET, SUITE 120 INDIANAPOLIS, IN 46240 |
* | $ 1,437,044,000 | 5 | $ 369,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 5 | $ 742,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 3,124,382,000 | 5 | $ 417,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 4 | $ 299,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 4 | $ 459,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 4 | $ 419,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 4 | $ 540,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 4 | $ 305,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 4 | $ 418,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 4 | $ 689,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 3 | $ 50,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 3 | $ 573,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 187,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 3 | $ 236,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 286,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 163,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 3 | $ 331,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 507,000 |
| Flagstar Bank 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 3 | $ 533,000 |
| Riddell National Bank 1 EAST NATIONAL AVE BRAZIL, IN 47834 |
* | $ 187,700,000 | 3 | $ 249,000 |
| Forum Credit Union P.O. BOX 50738 INDIANAPOLIS, IN 46250 |
* | $ 1,018,061,000 | 3 | $ 220,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 3 | $ 396,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ 133,851,000 | 3 | $ 317,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 3 | $ 188,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 274,014,000 | 2 | $ 50,000 |
| Home Bank SB PO BOX 1677 MARTINSVILLE, IN 46151 |
* | $ 240,646,000 | 2 | $ 227,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 2,650,461,000 | 2 | $ 224,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 272,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 1,060,384,000 | 2 | $ 117,000 |
| First Republic Mortgage 9120 OTIS AVE SUITE 201 INDIANAPOLIS, IN 46216 |
* | $ 10,000,000 | 2 | $ 214,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 2 | $ 313,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 2 | $ 27,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 382,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 306,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 2 | $ 343,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 5,801,944,000 | 2 | $ 154,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 11,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 289,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 2 | $ 160,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 253,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 140,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,496,905,000 | 2 | $ 243,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 215,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 220,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 2 | $ 127,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 2 | $ 97,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 1 | $ 25,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 207,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 81,661,915,000 | 1 | $ 35,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 76,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,038,646,000 | 1 | $ 41,000 |
| The National Bank of Indianapolis 107 N PENNSYLVANIA STREET, SUITE 300 INDIANAPOLIS, IN 46204 |
* | $ 1,739,692,000 | 1 | $ 618,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 1 | $ 114,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ 50,442,000 | 1 | $ 195,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 102,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 2,079,078,000 | 1 | $ 145,000 |
| The First National Bank of Cat 202 S SANDUSKY CATLIN, IL 61817 |
* | $ 44,740,000 | 1 | $ 60,000 |
| Tiaa-Cref Trust Company FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 2,458,381,000 | 1 | $ 182,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 91,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 182,000 |
| Citizens Bank 33 N INDIANA ST MOORESVILLE, IN 46158 |
* | $ 395,681,000 | 1 | $ 70,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ 11,000,000 | 1 | $ 143,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 593,777,000 | 1 | $ 184,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 161,483,000 | 1 | $ 36,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 206,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 108,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 146,000 |
| Aspire Financial, Inc. 4100 ALPHA ROAD SUITE 400 DALLAS, TX 75244 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 155,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 70,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,834,761,000 | 1 | $ 90,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,071,910,000 | 1 | $ 90,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 166,793,000 | 1 | $ 87,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 87,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 395,463,000 | 1 | $ 51,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,334,488,000 | 1 | $ 35,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 221,000 |
| Town Bank 850 W. NORTH SHORE DR. HARTLAND, WI 53029 |
* | $ 1,345,924,000 | 1 | $ 2,119,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ 10,000,000 | 1 | $ 124,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,281,397,000 | 1 | $ 210,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 1,028,000 | 1 | $ 125,000 |
| Benchmark Bank 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 124,628,000 | 1 | $ 260,000 |
The tables below break down 2015 mortgage applications in Owen County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Owen County, IN in 2015
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 | 397 | $44,051,000 | $110,000 | $618,000 | $54,000 | $1,012,000 |
| Home Purchase | 376 | $43,523,000 | $115,000 | $2,119,000 | $57,000 | $838,000 |
| Home Improvement | 143 | $6,306,000 | $44,000 | $240,000 | $53,000 | $146,000 |
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 | 804 | $79,724,000 | $99,000 | $618,000 | $58,000 | $1,012,000 |
| Not applicable | 55 | $7,628,000 | $138,000 | $2,119,000 | $4,000 | $124,000 |
| Not Provided | 44 | $4,638,000 | $105,000 | $417,000 | $66,000 | $838,000 |
| American Indian or Alaskan Native | 5 | $911,000 | $182,000 | $300,000 | $37,000 | $72,000 |
| Black or African American | 4 | $467,000 | $116,000 | $142,000 | $47,000 | $59,000 |
| Hispanic | 2 | $168,000 | $84,000 | $105,000 | $35,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $344,000 | $172,000 | $172,000 | $39,000 | $39,000 |
| 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) | 599 | $56,918,000 | $95,000 | $2,119,000 | $65,000 | $1,012,000 |
| FHA-insured (Federal Housing Administration) | 162 | $17,794,000 | $109,000 | $252,000 | $37,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 83 | $11,399,000 | $137,000 | $358,000 | $34,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $7,769,000 | $107,000 | $267,000 | $31,000 | $117,000 |
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 | 481 | $50,364,000 | $104,000 | $2,119,000 | $61,000 | $1,012,000 |
| Application Denied By Financial Institution | 219 | $20,140,000 | $91,000 | $417,000 | $50,000 | $838,000 |
| Loan Purchased By The Institution | 77 | $8,304,000 | $107,000 | $260,000 | $14,000 | $84,000 |
| Application Withdrawn By Applicant | 68 | $7,743,000 | $113,000 | $417,000 | $55,000 | $250,000 |
| Application Approved But Not Accepted | 49 | $4,403,000 | $89,000 | $207,000 | $75,000 | $415,000 |
| File Closed For Incompleteness | 22 | $2,926,000 | $133,000 | $300,000 | $67,000 | $480,000 |
| 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 | 62 | $4,028,000 | $64,000 | $358,000 | $48,000 | $173,000 |
| Debt-To-Income Ratio | 29 | $2,950,000 | $101,000 | $417,000 | $36,000 | $98,000 |
| Collateral | 29 | $2,775,000 | $95,000 | $213,000 | $70,000 | $211,000 |
| Other | 9 | $1,019,000 | $113,000 | $225,000 | $63,000 | $141,000 |
| Credit Application Incomplete | 8 | $775,000 | $96,000 | $140,000 | $34,000 | $50,000 |
| Unverifiable Information | 6 | $397,000 | $66,000 | $127,000 | $21,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $648,000 | $108,000 | $248,000 | $52,000 | $97,000 |
| Employment History | 2 | $78,000 | $39,000 | $58,000 | $31,000 | $36,000 |
| 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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