Putnam County, WV Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 2,978 mortgage applications in Putnam County, WV totaling $473.2 million, up 15% from 2015. The average application was for $158,000, and applicants reported an average income of $80,000. 54% of applications resulted in an originated loan and 19% were denied. The most active lender was City National Bank of Wv, with 302 applications, followed by Putnam County Bank and Vanderbilt Mortgage and Finance, Inc.

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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 2,978
Total Mortgage Loan Application Amount $473,196,000
Average Mortgage Loan Application Amount $158,000
Highest Mortgage Loan Application Amount $4,300,000
Average Applicant Income $80,000
Highest Applicant Income $8,400,000

Mortgage Company List for Lending in Putnam County, WV for 2016

* 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
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 3,696,846,000 302 $ 40,798,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 638,653,000 287 $ 51,446,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 209 $ 12,247,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 188 $ 34,063,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 163 $ 27,305,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 107 $ 17,014,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 103 $ 15,215,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 93 $ 11,670,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 79 $ 14,566,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 72 $ 12,452,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 61 $ 11,974,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 5,346,724,000 57 $ 13,309,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 234,265,000 50 $ 10,464,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 47 $ 7,968,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 327,887,000 43 $ 6,149,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 40 $ 5,390,000
West Virginia Federal Credit Union
318 5TH AVENUE
SOUTH CHARLESTON, WV 25303
* $ 148,773,000 39 $ 3,483,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 37 $ 5,070,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 10,000,000 35 $ 6,235,000
Pioneer Appalachia Federal Credit Union
1316 KANAWHA BLVD., E.
CHARLESTON, WV 25301
* $ 196,055,000 35 $ 4,160,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 35 $ 6,805,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 30 $ 5,841,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 28 $ 4,029,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 23 $ 3,285,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 23 $ 1,499,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 22 $ 4,536,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 20 $ 3,623,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 19 $ 3,067,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 17 $ 2,106,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 17 $ 808,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 17 $ 1,599,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 15 $ 2,791,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 780,955,000 14 $ 7,122,000
Huntington Federal Savings Bank
1049 5TH AVE
HUNTINGTON, WV 25701
* $ 541,308,000 13 $ 2,145,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 13 $ 2,500,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 157,369,000 13 $ 1,793,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 12 $ 1,541,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 849,582,000 12 $ 1,171,000
Potomac Mortgage Group, Inc.
4035 RIDGE TOP ROAD, SUITE 100
FAIRFAX, VA 22030
* $ 15,000,000 12 $ 2,366,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 12 $ 1,471,000
Rock Branch Community Bank
PO BOX 219
NITRO, WV 25143
* $ 75,021,000 11 $ 2,005,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 11 $ 2,572,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 11 $ 7,308,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 10 $ 2,035,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 10 $ 1,574,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 10 $ 469,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 10 $ 1,320,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 10 $ 718,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 10 $ 2,572,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 9 $ 1,106,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 9 $ 1,297,000
First Sentry Bank, Inc.
823 EIGHTH STREET
HUNTINGTON, WV 25701
* $ 508,391,000 9 $ 1,209,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 8,452,898,000 8 $ 1,448,000
Camc Federal Credit Union
3400 MACCORKLE AVENUE SE
CHARLESTON, WV 25304
* $ 61,841,000 7 $ 619,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 953,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 7 $ 883,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 7 $ 1,158,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 7 $ 1,371,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 7 $ 1,343,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 7 $ 1,067,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 847,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 7 $ 1,046,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 6 $ 487,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 6 $ 1,318,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 6 $ 1,274,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 6 $ 1,259,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,654,173,000 6 $ 289,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 5 $ 1,332,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 1,485,192,000 5 $ 1,948,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 5 $ 1,210,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 816,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 5 $ 1,092,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 3,249,718,000 5 $ 876,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 1,117,000
The State Credit Union
2200 WASHINGTON STREET, EAST,
CHARLESTON, WV 25311
* $ 61,734,000 4 $ 517,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 4 $ 283,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 4 $ 199,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 652,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 4 $ 379,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ 10,000,000 4 $ 1,197,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 4 $ 625,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 3 $ 714,000
First Bank of Charleston, Inc.
201 PENNSYLVANIA AVE
CHARLESTON, WV 25302
* $ 198,542,000 3 $ 567,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 3 $ 566,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 546,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 3 $ 1,033,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 3 $ 307,000
BNC National Bank

BISMARCK, ND 58501
* $ 903,318,000 3 $ 871,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 438,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 2 $ 395,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 341,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 2 $ 406,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 2 $ 675,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 292,227,000 2 $ 447,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 473,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 278,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 280,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 189,048,000 2 $ 543,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 2 $ 350,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 2 $ 142,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 2 $ 540,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 947,219,000 2 $ 171,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 139,069,000,000 2 $ 392,000
Peoples Federal Credit Union
419 FIRST AVENUE SOUTH
NITRO, WV 25143
* $ 87,653,000 2 $ 120,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,580,860,000 2 $ 379,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 2 $ 302,000
Clay County Bank
PO BOX 239
CLAY, WV 25125
* $ 82,638,000 2 $ 174,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 2,173,990,000 1 $ 75,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 274,560,000 1 $ 150,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 6,823,816,000 1 $ 112,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 961,290,000 1 $ 41,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,440,265,000 1 $ 680,000
Landmark Community Bank
2 S MAIN STREET
PITTSTON, PA 18640
* $ 284,072,000 1 $ 52,000
Oakstar Bank
1020 E BATTLEFIELD
SPRINGFIELD, MO 65807
* $ 393,454,000 1 $ 200,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 1 $ 213,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 31,373,540,000 1 $ 115,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 1 $ 122,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,134,877,000 1 $ 337,000
Busey Bank
100 W UNIVERSITY AVE
CHAMPAIGN, IL 61820
* $ 3,958,614,000 1 $ 280,000
Whitesville State Bank
38609 COAL RIVER ROAD
WHITESVILLE, WV 25209
* $ 103,861,000 1 $ 149,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 1,502,221,000 1 $ 396,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 18,900,720,000 1 $ 273,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 1 $ 800,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 1 $ 159,000
West Virginia Central CU
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 146,624,000 1 $ 78,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 122,305,000 1 $ 329,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 123,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 1,988,493,000 1 $ 230,000
West Town Bank & Trust
7820 W 26TH STREET
NORTH RIVERSIDE, IL 60546
* $ 214,636,000 1 $ 212,000
First Western Trust Bank
1900 16TH STREET SUITE #500
DENVER, CO 80202
* $ 819,504,000 1 $ 244,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 459,125,000 1 $ 184,000
First Personal Bank
14701 S RAVINIA AVE
ORLAND PARK, IL 60462
* $ 152,707,000 1 $ 43,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 410,000
Mvb Bank, Inc.
113 PLATINUM DRIVE SUITE H
BRIDGEPORT, WV 26330
* $ 1,380,191,000 1 $ 50,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 7,901,669,000 1 $ 170,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 255,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ 608,779,509,000 1 $ 366,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 1 $ 151,000
First Neighborhood Bank
216 MARKET STREET
SPENCER, WV 25276
* $ 144,002,000 1 $ 150,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 171,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 174,000
Forethought Life Insurance Co
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ 100,000,000 1 $ 168,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 1 $ 149,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,397,488,000 1 $ 233,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 667,544,000 1 $ 326,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 167,000
Riverland Federal Credit Union
639 LOYOLA AVENUE STE 220
NEW ORLEANS, LA 70113
* $ 198,165,000 1 $ 48,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 220,279,000 1 $ 42,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 1 $ 59,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 3,272,942,000 1 $ 172,000

The tables below break down 2016 mortgage applications in Putnam County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Putnam County, WV in 2016

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 1,526 $258,747,000 $169,000 $4,300,000 $72,000 $718,000
Refinancing 1,164 $197,368,000 $169,000 $4,250,000 $91,000 $8,400,000
Home Improvement 288 $17,081,000 $59,000 $935,000 $76,000 $344,000

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 2,483 $370,516,000 $149,000 $1,250,000 $86,000 $8,400,000
Not applicable 228 $58,174,000 $255,000 $4,300,000 $8,000 $367,000
Not Provided 185 $31,390,000 $169,000 $1,600,000 $82,000 $519,000
Black or African American 28 $5,740,000 $205,000 $560,000 $106,000 $508,000
Hispanic 24 $3,750,000 $156,000 $362,000 $71,000 $272,000
American Indian or Alaskan Native 18 $2,094,000 $116,000 $255,000 $122,000 $546,000
Asian 8 $1,007,000 $125,000 $223,000 $104,000 $250,000
Native Hawaiin or Other Pacific Islander 4 $525,000 $131,000 $163,000 $80,000 $117,000

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) 2,140 $338,350,000 $158,000 $4,300,000 $91,000 $8,400,000
FHA-insured (Federal Housing Administration) 436 $62,188,000 $142,000 $363,000 $53,000 $960,000
VA-guaranteed (Veterans Administration) 271 $54,772,000 $202,000 $433,000 $58,000 $370,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 131 $17,886,000 $136,000 $253,000 $38,000 $89,000

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 1,622 $283,778,000 $174,000 $4,300,000 $87,000 $1,102,000
Application Denied By Financial Institution 556 $66,183,000 $119,000 $1,600,000 $87,000 $8,400,000
Loan Purchased By The Institution 280 $46,511,000 $166,000 $671,000 $31,000 $546,000
Application Withdrawn By Applicant 233 $41,131,000 $176,000 $1,000,000 $82,000 $660,000
File Closed For Incompleteness 170 $17,529,000 $103,000 $560,000 $60,000 $508,000
Application Approved But Not Accepted 117 $18,064,000 $154,000 $750,000 $89,000 $430,000
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 116 $6,809,000 $58,000 $244,000 $64,000 $525,000
Collateral 58 $9,013,000 $155,000 $697,000 $250,000 $8,400,000
Debt-To-Income Ratio 49 $6,380,000 $130,000 $377,000 $69,000 $250,000
Credit Application Incomplete 25 $3,471,000 $138,000 $277,000 $85,000 $225,000
Other 10 $1,080,000 $108,000 $211,000 $104,000 $344,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,639,000 $234,000 $680,000 $63,000 $128,000
Employment History 6 $767,000 $127,000 $259,000 $51,000 $91,000
Unverifiable Information 2 $536,000 $268,000 $362,000 $140,000 $188,000
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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