Owen County, IN Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 893 mortgage applications in Owen County, IN totaling $165.3 million, up 4% from 2023. The average application was for $185,000, and applicants reported an average income of $94,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was Ruoff Mortgage Company, with 76 applications, followed by Indiana University CU and Owen County State Bank.
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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 | 893 |
| Total Mortgage Loan Application Amount | $165,265,000 |
| Average Mortgage Loan Application Amount | $185,000 |
| Highest Mortgage Loan Application Amount | $4,235,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $1,161,000 |
* 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 |
|---|---|---|---|---|
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 76 | $ 16,020,000 |
| Indiana University CU PO BOX 368 BLOOMINGTON, IN 47401 |
* | $ n/a | 66 | $ 9,560,000 |
| Owen County State Bank 201 W MORGAN ST SPENCER, IN 47460 |
* | $ n/a | 61 | $ 6,895,000 |
| Crane Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ n/a | 34 | $ 4,590,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 26 | $ 4,910,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 25 | $ 6,205,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 24 | $ 7,400,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ n/a | 22 | $ 4,500,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 19 | $ 3,085,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 19 | $ 3,825,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 17 | $ 4,845,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 17 | $ 1,855,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ n/a | 15 | $ 3,315,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 14 | $ 1,670,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 14 | $ 3,370,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 14 | $ 1,010,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 13 | $ 1,895,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 12 | $ 2,010,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 12 | $ 1,760,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 12 | $ 2,760,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ n/a | 11 | $ 815,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 1,805,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 10 | $ 2,130,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ n/a | 10 | $ 1,890,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 10 | $ 1,230,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,620,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 10 | $ 2,160,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 9 | $ 1,665,000 |
| The Poples State Bank 601 E TEMPERANCE ST ELLETTSVILLE, IN 47429 |
* | $ n/a | 9 | $ 2,015,000 |
| First National Bank 302 S MAIN ST CLOVERDALE, IN 46120 |
* | $ n/a | 9 | $ 1,765,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 9 | $ 2,585,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 9 | $ 575,000 |
| Hoosier Hills Credit Union 630 LINCOLN AVE BEDFORD, IN 47421 |
* | $ n/a | 9 | $ 1,075,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 8 | $ 1,590,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 8 | $ 610,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 8 | $ 1,590,000 |
| Farmers & Mechanics 225 EAST MAIN STREET BLOOMFIELD, IN 47424 |
* | $ n/a | 7 | $ 1,265,000 |
| Indiana Members Credit Union 4790 E. 96TH STREET, SUITE 120 INDIANAPOLIS, IN 46240 |
* | $ n/a | 6 | $ 590,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 6 | $ 1,720,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 6 | $ 1,790,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 915,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 5 | $ 975,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 5 | $ 785,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 4 | $ 820,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 1,430,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ n/a | 4 | $ 400,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 980,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 4 | $ 800,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ n/a | 4 | $ 610,000 |
| Citizens Bank 33 N INDIANA ST MOORESVILLE, IN 46158 |
* | $ n/a | 4 | $ 780,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ n/a | 4 | $ 580,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ n/a | 3 | $ 625,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 835,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ n/a | 3 | $ 275,000 |
| Riddell National Bank 1 EAST NATIONAL AVE BRAZIL, IN 47834 |
* | $ n/a | 3 | $ 625,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 3 | $ 495,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 3 | $ 305,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ n/a | 3 | $ 405,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 3 | $ 495,000 |
| Forum Credit Union P.O. BOX 50738 INDIANAPOLIS, IN 46250 |
* | $ n/a | 3 | $ 795,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ n/a | 3 | $ 735,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 445,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 3 | $ 695,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 2 | $ 420,000 |
| Financial Center First Credit Union 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ n/a | 2 | $ 130,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 2 | $ 340,000 |
| Home Bank SB PO BOX 1677 MARTINSVILLE, IN 46151 |
* | $ n/a | 2 | $ 190,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 2 | $ 340,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 300,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ n/a | 2 | $ 160,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ n/a | 2 | $ 410,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 2 | $ 270,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ n/a | 2 | $ 420,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 610,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 2 | $ 320,000 |
| Mjw Financial LLC dba Mjw Mortgage 8465 KEYSTONE CROSSING #145 INDIANAPOLIS, IN 46240 |
* | $ n/a | 2 | $ 310,000 |
| Jackson County Bank 125 S CHESTNUT ST SEYMOUR, IN 47274 |
* | $ n/a | 2 | $ 310,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 850,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 290,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 170,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 275,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 235,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 245,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 175,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ n/a | 1 | $ 185,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 65,000 |
| First Federal Savings Bank P.O. BOX 527 ROCHESTER, IN 46975 |
* | $ n/a | 1 | $ 335,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ n/a | 1 | $ 155,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 1 | $ 175,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 475,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 395,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 85,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 235,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 55,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 105,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 35,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ n/a | 1 | $ 1,045,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 35,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 55,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 275,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 225,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ n/a | 1 | $ 195,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 285,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ n/a | 1 | $ 25,000 |
| North Salem State Bank PO BOX 97 NORTH SALEM, IN 46165 |
* | $ n/a | 1 | $ 185,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ n/a | 1 | $ 535,000 |
| Mortgage Masters of Indiana Inc 501 N CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ n/a | 1 | $ 215,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 1 | $ 225,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 75,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ n/a | 1 | $ 175,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ n/a | 1 | $ 345,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 105,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 245,000 |
| Bank CMG 8020 EXCELSIOR DR STE 100 MADISON, WI 53717 |
* | $ n/a | 1 | $ 4,235,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 355,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ n/a | 1 | $ 105,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 285,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ n/a | 1 | $ 205,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ n/a | 1 | $ 185,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 275,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ n/a | 1 | $ 275,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 365,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 155,000 |
| American Mortgage Bank 3401 NW 63RD SUITE 620 OKLAHOMA CITY, OK 73116 |
* | $ n/a | 1 | $ 265,000 |
| Milestone Home Lending, LLC 1100 VIRGINIA DRIVE, SUITE 125 FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 125,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 225,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ n/a | 1 | $ 455,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 75,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 135,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ n/a | 1 | $ 55,000 |
The tables below break down 2024 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 2024
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 | 468 | $106,530,000 | $227,000 | $4,235,000 | $96,000 | $764,000 |
| Cash-out Refinancing | 187 | $28,715,000 | $153,000 | $595,000 | $85,000 | $277,000 |
| Refinancing | 106 | $19,620,000 | $185,000 | $575,000 | $91,000 | $1,161,000 |
| Home Improvement | 69 | $5,745,000 | $83,000 | $375,000 | $117,000 | $510,000 |
| Other Purpose | 62 | $4,580,000 | $73,000 | $445,000 | $87,000 | $274,000 |
| Not Applicable | 1 | $75,000 | $75,000 | $75,000 | $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 | 703 | $120,305,000 | $171,000 | $755,000 | $94,000 | $1,161,000 |
| Not applicable | 80 | $24,340,000 | $304,000 | $4,235,000 | $0 | $0 |
| Not Provided | 71 | $13,235,000 | $186,000 | $585,000 | $94,000 | $330,000 |
| Hispanic | 21 | $3,875,000 | $184,000 | $405,000 | $86,000 | $356,000 |
| American Indian or Alaskan Native | 8 | $1,460,000 | $182,000 | $315,000 | $102,000 | $166,000 |
| Asian | 6 | $910,000 | $151,000 | $225,000 | $75,000 | $144,000 |
| Black or African American | 4 | $1,140,000 | $285,000 | $475,000 | $155,000 | $291,000 |
| 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) | 618 | $100,460,000 | $162,000 | $4,235,000 | $99,000 | $1,161,000 |
| FHA-insured (Federal Housing Administration) | 157 | $31,705,000 | $201,000 | $455,000 | $74,000 | $240,000 |
| VA-guaranteed (Veterans Administration) | 100 | $29,630,000 | $296,000 | $615,000 | $95,000 | $330,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,470,000 | $192,000 | $315,000 | $76,000 | $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 | 490 | $93,620,000 | $191,000 | $4,235,000 | $98,000 | $1,161,000 |
| Application Denied By Financial Institution | 137 | $17,975,000 | $131,000 | $565,000 | $87,000 | $510,000 |
| Application Withdrawn By Applicant | 95 | $19,305,000 | $203,000 | $755,000 | $96,000 | $513,000 |
| Loan Purchased By The Institution | 93 | $21,935,000 | $235,000 | $455,000 | $70,000 | $150,000 |
| File Closed For Incompleteness | 44 | $6,640,000 | $150,000 | $575,000 | $97,000 | $450,000 |
| Application Approved But Not Accepted | 28 | $4,730,000 | $168,000 | $355,000 | $78,000 | $176,000 |
| Preapproval Approved but not Accepted | 5 | $965,000 | $193,000 | $325,000 | $74,000 | $110,000 |
| Preapproval Denied by Financial Institution | 1 | $95,000 | $95,000 | $95,000 | $33,000 | $33,000 |
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 | 703 | $140,995,000 | $200,000 | $4,235,000 | $96,000 | $1,161,000 |
| Debt-To-Income Ratio | 89 | $10,295,000 | $115,000 | $385,000 | $72,000 | $184,000 |
| Credit History | 38 | $4,960,000 | $130,000 | $475,000 | $100,000 | $510,000 |
| Collateral | 28 | $3,530,000 | $126,000 | $325,000 | $101,000 | $455,000 |
| Credit Application Incomplete | 18 | $2,850,000 | $158,000 | $565,000 | $84,000 | $170,000 |
| Other | 9 | $1,425,000 | $158,000 | $335,000 | $109,000 | $155,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $970,000 | $161,000 | $295,000 | $108,000 | $158,000 |
| Employment History | 2 | $240,000 | $120,000 | $145,000 | $73,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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