Roscommon County, MI Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,416 mortgage applications in Roscommon County, MI totaling $155.8 million, about the same as 2010. The average application was for $110,000, and applicants reported an average income of $85,000. 51% of applications resulted in an originated loan and 21% were denied. The most active lender was JPMorgan Chase Bank, NA, with 221 applications, followed by Chemical Bank and Independent 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 1,416
Total Mortgage Loan Application Amount $155,812,000
Average Mortgage Loan Application Amount $110,000
Highest Mortgage Loan Application Amount $717,000
Average Applicant Income $85,000
Highest Applicant Income $1,338,000

Mortgage Company List for Lending in Roscommon County, MI for 2011

* 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
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 221 $ 23,565,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 5,237,745,000 116 $ 10,420,000
Independent Bank
4200 EAST BELTLINE
GRAND RAPIDS, MI 49525
* $ 2,536,098,000 106 $ 7,576,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 86 $ 8,911,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 77 $ 6,274,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 46 $ 5,142,000
Fifth Third Mortgage, Mi LLC
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,969,000 39 $ 4,855,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 35 $ 5,053,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 34 $ 4,972,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 31 $ 2,993,000
Mortgage Center Lc
26555 EVERGREEN RD SUITE 900
SOUTHFIELD, MI 48076
* $ 30,000,000 29 $ 2,447,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 28 $ 4,139,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 28 $ 2,193,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 26 $ 3,202,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 24 $ 3,738,000
Citizens Bank
328 S SAGINAW ST
FLINT, MI 48502
* $ 9,709,977,000 24 $ 3,933,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 21 $ 2,432,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 20 $ 2,279,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 16 $ 1,833,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 12 $ 2,262,000
Wolverine Bank FSB
5710 EASTMAN AVE
MIDLAND, MI 48640
* $ 314,420,000 10 $ 2,005,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ 183,830,000 10 $ 927,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 9 $ 1,257,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,163,220,000 9 $ 1,598,000
Amerifirst Financial Corporati
616 WEST CENTRE AVENUE
PORTAGE, MI 49024
* $ 10,000,000 9 $ 956,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 9 $ 1,296,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 8 $ 320,000
Summit Community Bank
1600 ABBOT RD
EAST LANSING, MI 48823
* $ 155,301,000 8 $ 1,610,000
Bank of Ann Arbor
1333 W ANN ARBOR ROAD
ANN ARBOR, MI 48104
* $ 690,925,000 8 $ 1,663,000
Hantz Bank
26200 AMERICAN DRIVE, 2ND FLOOR
SOUTHFIELD, MI 48034
* $ 43,034,000 8 $ 1,060,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 7 $ 703,000
Arbor Mortgage Corporation
2311 EAST BELTLINE AVE SE 200
GRAND RAPIDS, MI 49546
* $ 15,555,000 7 $ 656,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 731,000
Comerica Bank

FARMINGTON HILLS, MI 48331
* $ 54,071,375,000 6 $ 567,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 6 $ 533,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 6 $ 656,000
Financial Plus Credit Union
G-3381 VAN SLYKE RD, P.O. BOX 7006
FLINT, MI 48507
* $ 371,510,000 6 $ 700,000
Wanigas Credit Union
4026 SHATTUCK RD
SAGINAW, MI 48603
* $ 245,559,000 6 $ 544,000
Wildfire Credit Union
6640 BAY RD
SAGINAW, MI 48605
* $ 609,242,000 5 $ 222,000
United Financial Credit Union
4685 STATE ST.
SAGINAW, MI 48603
* $ 117,292,000 5 $ 402,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ 1,048,990,000 5 $ 277,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 1,691,253,000 5 $ 326,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 5 $ 690,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ 10,000,000 5 $ 834,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DRIVE, STE 250
MILFORD, MI 48381
* $ 1,300,000,000 5 $ 934,000
Mortgage300 Corporation
10 SE CENTRAL PARKWAY SUITE 325
STUART, FL 34994
* $ 500,000 4 $ 363,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 4 $ 623,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 277,000
Neighborhood Mortgage Solutions, LLC
PO BOX 209 544 N MAIN ST
FRANKENMUTH, MI 48734
* $ 77,551,000 4 $ 570,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 4 $ 510,000
Firstbank - Alma Mortgage Co
311 WOODWORTH AVE.
ALMA, MI 48801
* $ 260,365,000 4 $ 395,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 1,962,910,000 4 $ 251,000
Dow Credit Union
600 E. LYON ROAD P.O. BOX 1649
MIDLAND, MI 48641
* $ 1,350,354,000 4 $ 367,000
Team One Credit Union
520 HAYDEN
SAGINAW, MI 48607
* $ 324,527,000 4 $ 221,000
Dfcu Financial
400 TOWN CENTER DRIVE
DEARBORN, MI 48121
* $ 2,985,260,000 4 $ 174,000
Community State Bank
PO BOX 469
BIRCH RUN, MI 48415
* $ 192,086,000 4 $ 212,000
St. James Mortgage Corp.
42676 WOODWARD AVE.
BLOOMFIELD HILLS, MI 48304
* $ 10,000,000 4 $ 375,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 4 $ 714,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 4 $ 1,022,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ 1,912,000 4 $ 782,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 170,000
Isabella Bank
139 E. BROADWAY
MT PLEASANT, MI 48858
* $ 1,168,698,000 3 $ 288,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 1,335,052,000 3 $ 365,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 3 $ 354,000
Guardian Mortgage Company, Inc
100 N. CENTRAL EXPRESSWAY SUITE 190
RICHARDSON, TX 75083
* $ 10,000,000 3 $ 228,000
Staunton Financial Inc
25800 NORTHWESTERN HIGHWAY SUITE 110
SOUTHFIELD, MI 48076
* $ 10,000,000 3 $ 261,000
Mms Mortgage Services, Ltd.
38275 TWELVE MILE RD., SUITE 100
FARMINGTON HILLS, MI 48331
* $ 5,598,000 2 $ 166,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 2 $ 216,000
Huron Valley Financial, Inc.
2395 OAK VALLEY DRIVE, SUITE 200
ANN ARBOR, MI 48103
* $ 10,000,000 2 $ 241,000
The Anderson Financial Group, Inc.
2421 NORTH ASHLAND AVENUE
CHICAGO, IL 60614
* $ 10,000,000 2 $ 232,000
Greenstone Farm Credit Services
3515 WEST RD
EAST LANSING, MI 48823
* $ 10,000,000 2 $ 407,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 2 $ 103,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 198,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 202,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 2 $ 174,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 2 $ 166,000
Credit Union One
400 E NINE MILE RD
FERNDALE, MI 48220
* $ 725,907,000 2 $ 212,000
Michigan One Community Credit Union
510 S DEXTER ST.
IONIA, MI 48446
* $ 73,459,000 2 $ 98,000
Frankenmuth Credit Union
580 N. MAIN ST., PO BOX 209
FRANKENMUTH, MI 48734
* $ 211,224,000 2 $ 353,000
Community Financial Credit Uni
PO BOX 8050
PLYMOUTH, MI 48170
* $ 457,006,000 2 $ 96,000
Commercial Bank
301 N. STATE ST
ALMA, MI 48801
* $ 402,334,000 2 $ 207,000
Main Street Bank
31780 TELEGRAPH ROAD, SUITE 100
BINGHAM FARMS, MI 48025
* $ 86,181,000 2 $ 304,000
Eaton Community Bank
236 S. COCHRAN AVENUE, P.O. BOX 219
CHARLOTTE, MI 48813
* $ 313,564,000 2 $ 276,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 168,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 58,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 141,000
Atlantic Coast Bank
505 HAINES AVE
WAYCROSS, GA 31501
* $ 828,612,000 1 $ 300,000
Cnb Lending Services, LLC
ONE SOUTH HOWELL ST
HILLSDALE, MI 49242
* $ 247,881,000 1 $ 405,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 655,826,000 1 $ 120,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 118,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 96,000
Capitol National Bank
200 N WASHINGTON SQUARE
LANSING, MI 48933
* $ 157,609,000 1 $ 237,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 108,000
Mason State Bank
322 S. JEFFERSON STREET, P.O. BOX 130
MASON, MI 48854
* $ 123,073,000 1 $ 130,000
Southern Michigan Bank & Trust
51 WEST PEARL STREET
COLDWATER, MI 49036
* $ 492,939,000 1 $ 16,000
Highpoint Community Bank
150 W COURT ST
HASTINGS, MI 49058
* $ 241,256,000 1 $ 98,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 67,913,000 1 $ 86,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 81,000
Seaway Community Bank
1960 FRED MOORE HWY
ST. CLAIR, MI 48079
* $ 168,634,000 1 $ 58,000
Gateway Business Bank
18000 STUDEBAKER ROAD, SUITE 550
CERRITOS, CA 90703
* $ 198,117,000 1 $ 250,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 1,631,408,000 1 $ 12,000
True Community Credit Union
1100 CLINTON RD
JACKSON, MI 49202
* $ 322,735,000 1 $ 38,000
Journey Federal Credit Union
1200 ZEEB DRIVE
ST. JOHNS, MI 48879
* $ 78,847,000 1 $ 40,000
Public Service Credit Union
7665 MERRIMAN RD
ROMULUS, MI 48174
* $ 124,535,000 1 $ 55,000
Security Credit Union
5255 SECURITY PARK BLVD
HOLLY, MI 48442
* $ 357,147,000 1 $ 80,000
Financialedge Credit Union
1199 S. EUCLID AVE.
BAY CITY, MI 48706
* $ 69,639,000 1 $ 56,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 593,579,000 1 $ 29,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 73,000
Lafcu
106 N MARKETPLACE BLVD
LANSING, MI 48917
* $ 501,616,000 1 $ 56,000
Gerber Federal Credit Union
508 STATE STREET PO BOX 116
FREMONT, MI 49412
* $ 113,364,000 1 $ 228,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 1 $ 55,000
Ann Arbor State Bank
125 W. WILLIAM STREET
ANN ARBOR, MI 48104
* $ 105,466,000 1 $ 61,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ 133,851,000 1 $ 153,000
Alliance Catholic Credit Union
26913 NORTHWESTERN HWY STE 520
FARMINGTON HILLS, MI 48334
* $ 255,930,000 1 $ 37,000
Omni Community Credit Union
PO BOX 1537
BATTLE CREEK, MI 49015
* $ 253,853,000 1 $ 71,000
Parkside Credit Union
36525 PLYMOUTH RD
LIVONIA, MI 48150
* $ 64,304,000 1 $ 3,000
Community Driven Credit Union
5397 W. MICHIGAN AVE.
YPSILANTI, MI 48197
* $ 54,293,000 1 $ 41,000
Marshall Community Credit Union
839 W GREEN ST
MARSHALL, MI 49068
* $ 146,095,000 1 $ 40,000
Vibe
44575 W 12 MILE
NOVI, MI 48377
* $ 457,645,000 1 $ 62,000
Wmcu
1319 FRONT AVE NW
GRAND RAPIDS, MI 49504
* $ 112,332,000 1 $ 198,000
Zeal Credit Union
17250 NEWBURGH
LIVONIA, MI 48152
* $ 375,962,000 1 $ 102,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 202,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 1 $ 94,000
New York Community Bank
615 MERRICK AVENUE
WESTBURY, NY 11590
* $ 38,055,567,000 1 $ 248,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 130,000
Cit Bank, National Association
75 N. FAIR OAKS AVE.
PASADENA, CA 91103
* $ 26,432,928,000 1 $ 100,000
Merrill Lynch Credit Corp
30930 RUSSELL RANCH RD CA6-916-01-14
WESTLAKE VILLAGE, CA 91362
* $ 2,223,299,000 1 $ 458,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 32,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 86,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 1 $ 125,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 38,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 38,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 1 $ 59,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 37,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 72,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 144,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 67,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 130,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 71,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 49,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 78,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 68,000
Qr Lending Inc
555 ZOR SHRINE PLACE
MADISON, WI 53719
* $ 1,093,327,000 1 $ 50,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 395,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 1 $ 240,000
Generation Mortgage Company
3565 PIEDMONT ROAD, NE STE. 300
ATLANTA, GA 30305
* $ 73,926,000 1 $ 76,000
Main Street Financial
9953 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 8,801,000 1 $ 68,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 174,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 88,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ 10,000,000 1 $ 367,000

The tables below break down 2011 mortgage applications in Roscommon County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Roscommon County, MI in 2011

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 902 $111,022,000 $123,000 $717,000 $87,000 $1,338,000
Home Purchase 459 $42,232,000 $92,000 $679,000 $86,000 $600,000
Home Improvement 55 $2,558,000 $46,000 $225,000 $60,000 $268,000

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 1,197 $130,370,000 $108,000 $717,000 $89,000 $1,338,000
Not Provided 107 $11,650,000 $108,000 $368,000 $90,000 $383,000
Not applicable 96 $12,386,000 $129,000 $417,000 $41,000 $370,000
Hispanic 7 $560,000 $80,000 $141,000 $92,000 $299,000
Native Hawaiian or Other Pacific Islander 3 $287,000 $95,000 $126,000 $74,000 $76,000
American Indian or Alaskan Native 3 $334,000 $111,000 $158,000 $19,000 $57,000
Asian 2 $201,000 $100,000 $134,000 $14,000 $18,000
Black or African American 1 $24,000 $24,000 $24,000 $84,000 $84,000

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) 1,206 $138,447,000 $114,000 $717,000 $94,000 $1,338,000
FHA-insured (Federal Housing Administration) 126 $10,148,000 $80,000 $257,000 $36,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 50 $3,648,000 $72,000 $150,000 $31,000 $66,000
VA-guaranteed (Veterans Administration) 34 $3,569,000 $104,000 $297,000 $42,000 $120,000

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 726 $79,907,000 $110,000 $717,000 $96,000 $1,111,000
Application Denied By Financial Institution 296 $28,976,000 $97,000 $688,000 $73,000 $1,338,000
Loan Purchased By The Institution 217 $26,232,000 $120,000 $417,000 $69,000 $608,000
Application Withdrawn By Applicant 94 $11,367,000 $120,000 $402,000 $89,000 $733,000
File Closed For Incompleteness 53 $5,990,000 $113,000 $395,000 $73,000 $239,000
Application Approved But Not Accepted 30 $3,340,000 $111,000 $407,000 $78,000 $220,000
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
Collateral 81 $8,077,000 $99,000 $608,000 $89,000 $1,338,000
Credit Application Incomplete 49 $5,452,000 $111,000 $398,000 $69,000 $487,000
Debt-To-Income Ratio 46 $4,825,000 $104,000 $272,000 $56,000 $266,000
Credit History 30 $2,489,000 $82,000 $403,000 $60,000 $299,000
Other 10 $1,071,000 $107,000 $248,000 $104,000 $267,000
Insufficient Cash (Downpayment, Closing Cost) 7 $467,000 $66,000 $133,000 $87,000 $356,000
Unverifiable Information 4 $444,000 $111,000 $210,000 $79,000 $159,000
Employment History 1 $64,000 $64,000 $64,000 $47,000 $47,000
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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