Owen County, IN Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,124 mortgage applications in Owen County, IN totaling $187.7 million, down 21% from 2021. The average application was for $167,000, and applicants reported an average income of $83,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Owen County State Bank, with 84 applications, followed by Ruoff Mortgage Company and Crane Credit Union.

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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 1,124
Total Mortgage Loan Application Amount $187,720,000
Average Mortgage Loan Application Amount $167,000
Highest Mortgage Loan Application Amount $1,405,000
Average Applicant Income $83,000
Highest Applicant Income $621,000

Mortgage Company List for Lending in Owen County, IN for 2022

* 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
* $ 345,463,000 84 $ 11,700,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 71 $ 12,875,000
Crane Credit Union
1 WEST GATE DRIVE
ODON, IN 47562
* $ 923,193,000 49 $ 8,135,000
Indiana University CU
PO BOX 368
BLOOMINGTON, IN 47401
* $ 1,518,070,000 45 $ 4,895,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 42 $ 6,800,000
The Poples State Bank
601 E TEMPERANCE ST
ELLETTSVILLE, IN 47429
* $ 426,112,000 35 $ 5,785,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 31 $ 4,245,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 5,045,573,000 25 $ 2,445,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 23 $ 4,775,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 22 $ 4,380,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 21 $ 3,685,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 18 $ 2,640,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 2,960,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 4,290,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 17 $ 2,975,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 17 $ 2,515,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 15 $ 4,185,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 15 $ 3,195,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 14 $ 1,710,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 14 $ 1,590,000
First National Bank
302 S MAIN ST
CLOVERDALE, IN 46120
* $ 437,689,000 14 $ 2,340,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 13 $ 1,955,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 13 $ 2,295,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 12 $ 1,020,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 5,596,059,000 12 $ 1,080,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 12 $ 2,210,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 11 $ 2,065,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 11 $ 1,135,000
Citizens Bank
33 N INDIANA ST
MOORESVILLE, IN 46158
* $ 637,555,000 10 $ 1,230,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 10 $ 920,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 10 $ 1,800,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 9 $ 2,305,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 9 $ 1,375,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 1,385,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 4,499,550,000 8 $ 530,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 7,338,072,000 8 $ 1,690,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 7 $ 1,195,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 7 $ 1,145,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,335,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,606,175,000 7 $ 465,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 7 $ 1,345,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,880,387,000 6 $ 2,640,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,400,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 6 $ 630,000
Mjw Financial LLC dba Mjw Mortgage
8465 KEYSTONE CROSSING #145
INDIANAPOLIS, IN 46240
* $ -1,000 6 $ 1,730,000
Riddell National Bank
1 EAST NATIONAL AVE
BRAZIL, IN 47834
* $ 273,306,000 6 $ 730,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 2,429,620,000 6 $ 770,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,290,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 1,060,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 6 $ 1,270,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,260,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 395,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 5 $ 3,345,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 5 $ 435,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 5 $ 1,065,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 5 $ 405,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 5 $ 465,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 5 $ 915,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 935,000
Hoosier Hills Credit Union
630 LINCOLN AVE
BEDFORD, IN 47421
* $ 808,987,000 5 $ 615,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ 2,987,938,000 4 $ 450,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 4 $ 670,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 4 $ 850,000
Home Bank SB
PO BOX 1677
MARTINSVILLE, IN 46151
* $ 415,823,000 4 $ 870,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 910,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 4 $ 700,000
Jackson County Bank
125 S CHESTNUT ST
SEYMOUR, IN 47274
* $ 780,440,000 3 $ 305,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 3 $ 325,000
North Salem State Bank
PO BOX 97
NORTH SALEM, IN 46165
* $ 532,972,000 3 $ 895,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 585,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 3 $ 475,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 615,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 325,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 575,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 465,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 465,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 345,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 3 $ 535,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 3 $ 555,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,964,165,000 3 $ 245,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 395,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 445,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 3 $ 465,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 480,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 210,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 220,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 270,000
Farmers & Mechanics
225 EAST MAIN STREET
BLOOMFIELD, IN 47424
* $ 111,658,000 2 $ 690,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 2 $ 340,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 450,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 580,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 2 $ 760,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 480,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 60,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ -1,000 2 $ 270,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 450,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 2,640,347,000 2 $ 320,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 320,000
Winterwood Mortgage Group, LLC
107 N STATE ROAD 135, SUITE 301
GREENWOOD, IN 46142
* $ -1,000 2 $ 320,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 2 $ 180,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 2 $ 500,000
Milestone Home Lending, LLC
1100 VIRGINIA DRIVE, SUITE 125
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 500,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 245,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 265,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 215,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 245,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 65,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 10,994,199,000 1 $ 145,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,287,872,000 1 $ 185,000
Mortgage Masters of Indiana Inc
501 N CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ -1,000 1 $ 265,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 1 $ 245,000
Tucker Mortgage, LLC
9201 N MERIDIAN ST, STE 200
INDIANAPOLIS, IN 46260
* $ -1,000 1 $ 335,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 125,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 425,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 165,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 405,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 165,000
Catlin Bank
202 S SANDUSKY ST
CATLIN, IL 61817
* $ 83,819,000 1 $ 135,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 555,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 85,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 115,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 135,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 3,092,880,000 1 $ 245,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 175,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 2,073,754,000 1 $ 255,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 295,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 125,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 245,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 1,075,788,000 1 $ 235,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 195,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 125,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 1,133,661,000 1 $ 175,000
The Hometown Savings Bank
533 OHIO ST (PO BOX 9629)
TERRE HAUTE, IN 47807
* $ 468,796,000 1 $ 35,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 115,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 245,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 315,000
Madison County Federal Credit
621 E. 8TH ST.
ANDERSON, IN 46012
* $ 108,519,000 1 $ 125,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 1 $ 175,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 1 $ 425,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 270,649,000 1 $ 145,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 155,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 295,000
Financial Center First Credit Union
7101 E 56TH STREET
INDIANAPOLIS, IN 46226
* $ 817,314,000 1 $ 35,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 1 $ 175,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 145,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 215,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 275,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 265,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 1 $ 145,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 355,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 262,541,000 1 $ 205,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 165,000

The tables below break down 2022 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 2022

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 533 $110,875,000 $208,000 $845,000 $90,000 $621,000
Cash-out Refinancing 306 $47,080,000 $153,000 $495,000 $72,000 $377,000
Refinancing 119 $15,435,000 $129,000 $405,000 $69,000 $227,000
Home Improvement 85 $5,745,000 $67,000 $305,000 $96,000 $372,000
Other Purpose 77 $8,235,000 $106,000 $1,405,000 $94,000 $468,000
Not Applicable 4 $350,000 $87,000 $125,000 $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 887 $144,095,000 $162,000 $1,405,000 $83,000 $621,000
Not Provided 109 $17,225,000 $158,000 $555,000 $87,000 $408,000
Not applicable 94 $20,330,000 $216,000 $765,000 $134,000 $179,000
Hispanic 17 $2,875,000 $169,000 $395,000 $108,000 $372,000
American Indian or Alaskan Native 7 $1,085,000 $155,000 $275,000 $82,000 $144,000
Black or African American 5 $905,000 $181,000 $255,000 $86,000 $108,000
Asian 3 $915,000 $305,000 $615,000 $65,000 $81,000
Native Hawaiian or Other Pacific Islander 1 $145,000 $145,000 $145,000 $32,000 $32,000

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) 813 $128,555,000 $158,000 $1,405,000 $88,000 $621,000
FHA-insured (Federal Housing Administration) 195 $34,745,000 $178,000 $405,000 $66,000 $258,000
VA-guaranteed (Veterans Administration) 84 $18,910,000 $225,000 $385,000 $81,000 $275,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $5,510,000 $172,000 $295,000 $60,000 $102,000

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 599 $100,595,000 $167,000 $1,005,000 $87,000 $621,000
Application Denied By Financial Institution 192 $26,400,000 $137,000 $1,405,000 $70,000 $372,000
Application Withdrawn By Applicant 123 $21,295,000 $173,000 $615,000 $89,000 $258,000
Loan Purchased By The Institution 100 $20,910,000 $209,000 $435,000 $93,000 $179,000
File Closed For Incompleteness 58 $8,980,000 $154,000 $385,000 $78,000 $275,000
Application Approved But Not Accepted 47 $8,455,000 $179,000 $755,000 $85,000 $354,000
Preapproval Approved but not Accepted 4 $980,000 $245,000 $395,000 $132,000 $301,000
Preapproval Denied by Financial Institution 1 $105,000 $105,000 $105,000 $73,000 $73,000

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 854 $150,230,000 $175,000 $1,005,000 $87,000 $509,000
Debt-To-Income Ratio 122 $17,900,000 $146,000 $765,000 $76,000 $621,000
Credit History 67 $8,165,000 $121,000 $345,000 $73,000 $250,000
Collateral 34 $4,600,000 $135,000 $365,000 $73,000 $196,000
Other 23 $2,445,000 $106,000 $225,000 $70,000 $139,000
Credit Application Incomplete 16 $3,570,000 $223,000 $1,405,000 $85,000 $340,000
Unverifiable Information 3 $175,000 $58,000 $75,000 $57,000 $87,000
Employment History 3 $445,000 $148,000 $215,000 $49,000 $68,000
Insufficient Cash (Downpayment, Closing Cost) 2 $190,000 $95,000 $115,000 $58,000 $79,000
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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