Putnam County, WV Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 3,665 mortgage applications in Putnam County, WV totaling $684.5 million, up 45% from 2019. The average application was for $186,000, and applicants reported an average income of $102,000. 60% of applications resulted in an originated loan and 11% were denied. The most active lender was City National Bank of Wv, with 323 applications, followed by loanDepot.com LLC 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 3,665
Total Mortgage Loan Application Amount $684,485,000
Average Mortgage Loan Application Amount $186,000
Highest Mortgage Loan Application Amount $2,565,000
Average Applicant Income $102,000
Highest Applicant Income $2,400,000

Mortgage Company List for Lending in Putnam County, WV for 2020

* 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
* $ 4,956,190,000 323 $ 47,755,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 240 $ 48,520,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 219 $ 17,255,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 209 $ 42,085,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 170 $ 34,700,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 134 $ 20,860,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 129 $ 26,235,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 118 $ 23,330,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 589,814,000 114 $ 24,640,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 113 $ 19,245,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 103 $ 22,205,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 102 $ 19,230,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 99 $ 19,115,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 377,146,000 80 $ 13,040,000
United Bank VA

MORGANTOWN, WV 26505
* $ 19,644,548,000 77 $ 19,095,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 67 $ 12,305,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 65 $ 13,605,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 15,674,361,000 50 $ 11,540,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 45 $ 11,395,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 40 $ 5,700,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 39 $ 8,495,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 39 $ 6,955,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 2,401,941,000 38 $ 8,020,000
The Farmers Bank & Savings Com
640 E MAIN ST
POMEROY, OH 45769
* $ 334,511,000 36 $ 7,030,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 33 $ 7,415,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 28 $ 6,040,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 27 $ 4,725,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 998,211,000 26 $ 7,190,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 25 $ 4,815,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 25 $ 2,395,000
Huntington Federal Savings Bank
1049 5TH AVE
HUNTINGTON, WV 25701
* $ 544,632,000 23 $ 4,345,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 23 $ 5,135,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 21 $ 5,045,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 157,540,000 21 $ 4,745,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 21 $ 1,525,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 20 $ 4,070,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 3,350,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 19 $ 3,875,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 17 $ 2,565,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 16 $ 2,970,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 16 $ 3,410,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 13 $ 3,465,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 12 $ 2,690,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 12 $ 1,470,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 11 $ 1,915,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 2,190,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 9 $ 1,955,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 9 $ 1,435,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 9 $ 2,135,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 9 $ 1,575,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 9 $ 1,445,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 9 $ 765,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 8 $ 1,700,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 8 $ 1,210,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 1,221,060,000 8 $ 720,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 8 $ 3,180,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,344,716,000 8 $ 1,390,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 8 $ 1,420,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 7 $ 1,485,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 7 $ 1,525,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 7 $ 1,325,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 6 $ 1,350,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 648,623,000 6 $ 1,140,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 6 $ 1,000,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 6 $ 2,020,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 6 $ 1,800,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,450,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 3,439,822,000 6 $ 1,950,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 304,797,000 5 $ 765,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 5 $ 1,145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 545,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 5 $ 1,945,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 615,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 680,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 1,200,000
The State Credit Union
2200 WASHINGTON STREET, EAST,
CHARLESTON, WV 25311
* $ 70,080,000 4 $ 450,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 3,052,781,000 4 $ 580,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 4 $ 900,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 4 $ 240,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 730,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 910,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 3 $ 345,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 3 $ 155,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 3 $ 765,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 625,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 3 $ 515,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 3 $ 765,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 365,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 3 $ 985,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 725,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 765,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 875,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 3 $ 575,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 301,427,000 2 $ 270,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 496,400,000 2 $ 290,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 837,096,000 2 $ 520,000
First Ciitizens Bank and Trust
4300 SIX FORKS ROAD FCC 21
RALEIGH, NC 27603
* $ 39,787,666,000 2 $ 350,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 2 $ 440,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 2 $ 410,000
BNC National Bank

BISMARCK, ND 58501
* $ 965,305,000 2 $ 560,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 273,530,000 2 $ 360,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 2 $ 500,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 2 $ 480,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 14,144,676,000 2 $ 640,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 2 $ 250,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 410,000
Ks Statebank
1010 WESTLOOP PL
MANHATTAN, KS 66502
* $ 2,142,154,000 2 $ 690,000
Farmers & Merchants Bank
PO BOX 1111
TIMBERVILLE, VA 22853
* $ 812,968,000 2 $ 430,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 2 $ 190,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 11,947,775,000 2 $ 440,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 240,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 1 $ 125,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,065,955,000 1 $ 345,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 1 $ 245,000
Nasa Federal Credit Union
500 PRINCE GEORGE'S BLVD.
UPPER MARLBORO, MD 20774
* $ 3,110,206,000 1 $ 35,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 55,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 11,335,522,000 1 $ 225,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 6,258,523,000 1 $ 215,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 125,000
Kentucky Farmers Bank Corporation
6313 US RT 60
ASHLAND, KY 41102
* $ 208,050,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 305,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 1 $ 495,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 235,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 1 $ 25,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 295,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 105,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 155,000
Ardent Federal Credit Union
1500 SPRING GARDEN ST. SUITE 500
PHILADELPHIA, PA 19102
* $ 719,480,000 1 $ 55,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 155,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 1 $ 75,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 165,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 21,061,188,000 1 $ 955,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 165,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 115,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 155,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 185,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 552,890,000 1 $ 85,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 1 $ 285,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 879,238,000 1 $ 195,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,326,463,000 1 $ 45,000
Unified Bank
201 S 4TH STREET
MARTINS FERRY, OH 43935
* $ 684,875,000 1 $ 315,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 55,000
C&F Mortgage Corporation
1400 ALVERSER DRIVE
MIDLOTHIAN, VA 23113
* $ -1,000 1 $ 225,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ 250,630,000 1 $ 115,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 9,767,997,000 1 $ 385,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 1 $ 515,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 245,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 1 $ 335,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 1 $ 215,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 1,111,391,000 1 $ 145,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 225,000

The tables below break down 2020 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 2020

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 1,510 $286,280,000 $189,000 $2,565,000 $87,000 $2,400,000
Refinancing 1,386 $284,160,000 $205,000 $1,095,000 $114,000 $1,082,000
Cash-out Refinancing 451 $86,295,000 $191,000 $1,175,000 $114,000 $1,764,000
Home Improvement 150 $10,760,000 $71,000 $485,000 $120,000 $704,000
Other Purpose 125 $11,355,000 $90,000 $1,075,000 $92,000 $378,000
Not Applicable 43 $5,635,000 $131,000 $345,000 $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 3,028 $558,910,000 $184,000 $1,175,000 $101,000 $2,400,000
Not Provided 312 $60,030,000 $192,000 $755,000 $110,000 $1,764,000
Not applicable 206 $39,460,000 $191,000 $2,565,000 $95,000 $287,000
Black or African American 41 $9,005,000 $219,000 $485,000 $94,000 $285,000
Asian 28 $7,790,000 $278,000 $605,000 $108,000 $301,000
Hispanic 26 $5,240,000 $201,000 $355,000 $90,000 $160,000
American Indian or Alaskan Native 14 $2,000,000 $142,000 $335,000 $71,000 $117,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $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) 2,668 $490,810,000 $183,000 $2,565,000 $110,000 $2,400,000
VA-guaranteed (Veterans Administration) 444 $104,670,000 $235,000 $905,000 $84,000 $312,000
FHA-insured (Federal Housing Administration) 406 $68,160,000 $167,000 $335,000 $67,000 $233,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 147 $20,845,000 $141,000 $305,000 $46,000 $105,000

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 2,216 $436,960,000 $197,000 $2,565,000 $103,000 $1,500,000
Application Withdrawn By Applicant 435 $87,185,000 $200,000 $785,000 $112,000 $2,400,000
Application Denied By Financial Institution 396 $55,550,000 $140,000 $1,075,000 $86,000 $1,764,000
Loan Purchased By The Institution 271 $53,665,000 $198,000 $505,000 $117,000 $507,000
File Closed For Incompleteness 233 $30,905,000 $132,000 $515,000 $83,000 $1,082,000
Application Approved But Not Accepted 113 $20,065,000 $177,000 $525,000 $119,000 $1,729,000
Preapproval Approved but not Accepted 1 $155,000 $155,000 $155,000 $86,000 $86,000
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
Not applicable 3,159 $610,475,000 $193,000 $2,565,000 $103,000 $2,400,000
Debt-To-Income Ratio 203 $32,025,000 $157,000 $815,000 $90,000 $1,500,000
Credit History 143 $16,115,000 $112,000 $1,075,000 $70,000 $378,000
Collateral 61 $10,375,000 $170,000 $675,000 $136,000 $828,000
Unverifiable Information 35 $3,505,000 $100,000 $305,000 $58,000 $197,000
Credit Application Incomplete 32 $6,790,000 $212,000 $465,000 $177,000 $1,764,000
Other 21 $3,385,000 $161,000 $415,000 $78,000 $402,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,690,000 $169,000 $485,000 $90,000 $175,000
Employment History 1 $125,000 $125,000 $125,000 $0 $0
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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