Putnam County, WV Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 3,502 mortgage applications in Putnam County, WV totaling $670.0 million, down 4% from 2020. The average application was for $191,000, and applicants reported an average income of $101,000. 61% of applications resulted in an originated loan and 12% were denied. The most active lender was City National Bank of Wv, with 295 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 3,502
Total Mortgage Loan Application Amount $670,040,000
Average Mortgage Loan Application Amount $191,000
Highest Mortgage Loan Application Amount $7,005,000
Average Applicant Income $101,000
Highest Applicant Income $2,500,000

Mortgage Company List for Lending in Putnam County, WV for 2021

* 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
* $ 4,956,190,000 295 $ 41,425,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 208 $ 42,770,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 176 $ 16,950,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,498,327,000 161 $ 32,845,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 151 $ 30,685,000
Putnam County Bank
P.O. BOX 308
HURRICANE, WV 25526
* $ 589,814,000 130 $ 35,890,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 125 $ 20,385,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 125 $ 21,705,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 120 $ 22,110,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 118 $ 22,980,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 115 $ 18,015,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 91 $ 18,425,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 85 $ 17,655,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 76 $ 16,120,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 72 $ 14,810,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 377,146,000 70 $ 12,910,000
United Bank VA

MORGANTOWN, WV 26505
* $ 19,644,548,000 63 $ 15,035,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 61 $ 13,085,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 15,674,361,000 43 $ 9,415,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 41 $ 6,805,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 40 $ 8,630,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 2,401,941,000 37 $ 10,375,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 34 $ 6,280,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 33 $ 6,255,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 33 $ 4,845,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 29 $ 6,005,000
Huntington Federal Savings Bank
1049 5TH AVE
HUNTINGTON, WV 25701
* $ 544,632,000 29 $ 7,135,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 27 $ 5,495,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 4,890,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 26 $ 3,730,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 26 $ 6,670,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 24 $ 2,270,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 24 $ 5,880,000
The Farmers Bank & Savings Com
640 E MAIN ST
POMEROY, OH 45769
* $ 334,511,000 22 $ 3,460,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 15 $ 2,685,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 15 $ 3,115,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 14 $ 2,490,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 14 $ 3,150,000
Siwell, Inc., dba Capital Mortgage Services of Tex
4210 50TH ST
LUBBOCK, TX 79413
* $ -1,000 13 $ 3,495,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 13 $ 2,675,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 998,211,000 12 $ 3,100,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 11 $ 2,185,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 11 $ 1,765,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 11 $ 2,755,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 11 $ 2,475,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 10 $ 2,430,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 10 $ 2,620,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 10 $ 640,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 157,540,000 10 $ 1,920,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 10 $ 2,450,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 9 $ 895,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 9 $ 355,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 9 $ 2,275,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 9 $ 1,145,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 2,185,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 9 $ 1,235,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 9 $ 1,495,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 8 $ 1,370,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 8 $ 3,090,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 8 $ 2,200,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,344,716,000 7 $ 675,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 7 $ 1,165,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 7 $ 1,965,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 6 $ 1,220,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 6 $ 910,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 6 $ 1,060,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 6 $ 1,070,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 3,439,822,000 6 $ 2,250,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 685,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 5 $ 935,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 5 $ 1,235,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 5 $ 1,085,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 5 $ 705,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 5 $ 915,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 5 $ 1,065,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 648,623,000 4 $ 1,190,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 4 $ 510,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 4 $ 870,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 833,228,000 4 $ 1,300,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 1,221,060,000 3 $ 215,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 595,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 3 $ 645,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 645,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 3 $ 655,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 3 $ 575,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 565,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 385,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 3 $ 1,235,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 11,335,522,000 3 $ 795,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 3,052,781,000 3 $ 515,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 3 $ 635,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 565,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 2 $ 550,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 460,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 240,000
Contour Mortgage Corporation
990 STEWART AVENUE STE#660
GARDEN CITY, NY 11530
* $ -1,000 2 $ 350,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 2 $ 320,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 2 $ 430,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 470,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 2 $ 320,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,131,130,000 2 $ 110,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 230,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 2 $ 470,000
Clay County Bank
PO BOX 239
CLAY, WV 25125
* $ 94,197,000 2 $ 260,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 301,427,000 2 $ 190,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 2 $ 230,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 520,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 11,550,782,000 2 $ 520,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 2 $ 240,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 2 $ 40,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 225,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 75,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 34,531,413,000 1 $ 395,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 12,430,349,000 1 $ 175,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 215,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,850,784,000 1 $ 535,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 115,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 285,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 273,530,000 1 $ 455,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 205,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 1 $ 355,000
First Community Bank
29 COLLEGE DR
BLUEFIELD, VA 24605
* $ 2,796,982,000 1 $ 175,000
Westbury Bank
200 S MAIN ST
WEST BEND, WI 53095
* $ 831,386,000 1 $ 7,005,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 205,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ 250,630,000 1 $ 105,000
Direct Lending Partners LLC
835 HAMILTON ST
ST. AUGUSTINE, FL 32095
* $ -1,000 1 $ 255,000
The Freedom Bank of Virginia
10555 MAIN STREET
FAIRFAX, VA 22030
* $ 500,393,000 1 $ 275,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 115,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 225,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ 1,047,759,000 1 $ 185,000
Norwich Commercial Group Inc
38 SECURITY DRIVE
AVON, CT 06001
* $ -1,000 1 $ 125,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,079,626,000 1 $ 105,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ 9,361,090,000 1 $ 95,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 26,468,603,000 1 $ 795,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 374,350,000 1 $ 85,000
Hughes Federal Credit Union
971 W WETMORE RD
TUCSON, AZ 85705
* $ -1,000 1 $ 45,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 216,654,000,000 1 $ 165,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 485,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 105,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 187,526,000 1 $ 185,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 225,000
Lenderfi, Inc.
23875 VENTURA BLVD SUITE 203B
CALABASAS, CA 91302
* $ -1,000 1 $ 155,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 1 $ 375,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 165,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 1 $ 155,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 135,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 43,126,164,000 1 $ 315,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 415,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 877,982,000 1 $ 285,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 109,679,000 1 $ 285,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 175,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 185,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 155,000
Visio Financial Services Inc.
1905 KRAMER LN B700
WILMINGTON, DE 78758
* $ -1,000 1 $ 185,000

The tables below break down 2021 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 2021

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 1,332 $267,920,000 $201,000 $7,005,000 $110,000 $2,500,000
Home Purchase 1,319 $271,515,000 $205,000 $2,105,000 $89,000 $850,000
Cash-out Refinancing 545 $103,215,000 $189,000 $2,165,000 $101,000 $950,000
Home Improvement 152 $11,160,000 $73,000 $505,000 $129,000 $882,000
Other Purpose 136 $14,300,000 $105,000 $845,000 $123,000 $750,000
Not Applicable 18 $1,930,000 $107,000 $195,000 $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 2,842 $525,330,000 $184,000 $1,205,000 $100,000 $2,500,000
Not Provided 387 $76,425,000 $197,000 $1,505,000 $114,000 $850,000
Not applicable 158 $45,600,000 $288,000 $7,005,000 $67,000 $212,000
Hispanic 34 $6,320,000 $185,000 $435,000 $89,000 $206,000
Black or African American 30 $5,980,000 $199,000 $495,000 $98,000 $292,000
Asian 26 $5,960,000 $229,000 $375,000 $95,000 $325,000
American Indian or Alaskan Native 17 $2,735,000 $160,000 $285,000 $105,000 $640,000
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) 2,608 $498,720,000 $191,000 $7,005,000 $110,000 $2,500,000
FHA-insured (Federal Housing Administration) 403 $67,525,000 $167,000 $365,000 $63,000 $281,000
VA-guaranteed (Veterans Administration) 366 $84,700,000 $231,000 $915,000 $82,000 $244,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 125 $19,095,000 $152,000 $295,000 $50,000 $114,000

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 2,120 $425,700,000 $200,000 $7,005,000 $106,000 $2,500,000
Application Denied By Financial Institution 418 $58,060,000 $138,000 $2,175,000 $72,000 $440,000
Application Withdrawn By Applicant 389 $77,445,000 $199,000 $1,205,000 $104,000 $858,000
File Closed For Incompleteness 259 $41,735,000 $161,000 $965,000 $96,000 $950,000
Loan Purchased By The Institution 200 $43,800,000 $219,000 $875,000 $123,000 $536,000
Application Approved But Not Accepted 115 $23,015,000 $200,000 $1,005,000 $102,000 $325,000
Preapproval Approved but not Accepted 1 $285,000 $285,000 $285,000 $160,000 $160,000
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 2,863 $560,525,000 $195,000 $7,005,000 $104,000 $2,500,000
Debt-To-Income Ratio 323 $67,045,000 $207,000 $2,165,000 $94,000 $850,000
Credit History 158 $18,730,000 $118,000 $2,175,000 $78,000 $336,000
Collateral 55 $7,865,000 $143,000 $795,000 $100,000 $332,000
Credit Application Incomplete 35 $6,265,000 $179,000 $545,000 $90,000 $440,000
Other 30 $4,770,000 $159,000 $335,000 $79,000 $325,000
Unverifiable Information 25 $2,765,000 $110,000 $195,000 $55,000 $87,000
Employment History 8 $1,590,000 $198,000 $435,000 $65,000 $250,000
Insufficient Cash (Downpayment, Closing Cost) 5 $485,000 $97,000 $175,000 $29,000 $74,000
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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