Sandusky County, OH Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,271 mortgage applications in Sandusky County, OH totaling $220.2 million, up 22% from 2011. The average application was for $96,000, and applicants reported an average income of $58,000. 54% of applications resulted in an originated loan and 23% were denied. The most active lender was Croghan Colonial Bank, with 259 applications, followed by Wells Fargo Bank NA and Huntington National 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 2,271
Total Mortgage Loan Application Amount $220,180,000
Average Mortgage Loan Application Amount $96,000
Highest Mortgage Loan Application Amount $1,302,000
Average Applicant Income $58,000
Highest Applicant Income $2,524,000

Mortgage Company List for Lending in Sandusky County, OH for 2012

* 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
Croghan Colonial Bank
323 CROGHAN ST
FREMONT, OH 43420
* $ 628,580,000 259 $ 23,629,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 204 $ 20,799,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 158 $ 15,237,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 150 $ 16,303,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 119 $ 9,128,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 114 $ 10,368,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ 389,714,000 110 $ 9,810,000
National Bank of Ohio
147 W WATER STREET
OAK HARBOR, OH 43449
* $ 212,631,000 79 $ 8,577,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 66 $ 5,930,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,033,894,000 62 $ 5,805,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 60 $ 4,176,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 51 $ 4,098,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 50 $ 5,096,000
First National Bank
120 NORTH ST
BELLEVUE, OH 44811
* $ 134,393,000 45 $ 4,820,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 37 $ 3,196,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 36 $ 3,489,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 32 $ 3,248,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 586,354,000 32 $ 2,533,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 25 $ 2,569,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,053,207,000 24 $ 2,566,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 20 $ 2,653,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 18 $ 1,939,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 18 $ 166,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 17 $ 230,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 16 $ 1,339,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 16 $ 1,633,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,663,427,000 15 $ 1,448,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 14 $ 1,586,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 14 $ 1,285,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 11,000,000 13 $ 1,701,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 13 $ 1,559,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 12 $ 1,765,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 12 $ 1,630,000
Vacationland Federal Credit Un
2911 SOUTH HAYES AVENUE
SANDUSKY, OH 44870
* $ 139,254,000 11 $ 908,000
The Genoa Banking Company
801 MAIN STREET
GENOA, OH 43430
* $ 250,668,000 10 $ 1,299,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 9 $ 730,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ 255,500,000 8 $ 866,000
Sutton Bank
1 SOUTH MAIN ST
ATTICA, OH 44807
* $ 352,878,000 8 $ 1,146,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,079,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 8 $ 751,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 835,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 7 $ 1,253,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 7 $ 604,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 7 $ 1,210,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 7 $ 910,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 6 $ 703,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 6 $ 729,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 1,107,953,000 6 $ 524,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 5 $ 60,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 5 $ 607,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 5 $ 512,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 637,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 5 $ 702,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 4 $ 464,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,420,570,000 4 $ 386,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 4 $ 359,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 4 $ 402,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 4 $ 418,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,716,563,000 4 $ 696,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 624,898,000 3 $ 555,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,361,669,000 3 $ 388,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ 434,566,000 3 $ 188,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 3 $ 379,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 3 $ 178,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 428,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 3 $ 19,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 3 $ 276,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 3 $ 320,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 370,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 404,000
Amera Mortgage Corporation
1050 CORPORATE OFFICE DRIVE, STE 250
MILFORD, MI 48381
* $ 1,300,000,000 3 $ 305,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 430,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 326,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 182,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 278,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 213,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 2 $ 236,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 162,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 190,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 2 $ 238,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 110,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 2 $ 133,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 2 $ 314,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 222,000
Firstmerit Mortgage Corp
4455 HILLS AND DALES RD. NW - MTG80
CANTON, OH 44708
* $ 6,000,000,000 2 $ 185,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 25,513,620,000 2 $ 155,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 146,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 88,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 2 $ 178,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 2,423,017,000 2 $ 126,000
First Federal Savings & Loan Association of Lorain
3721 OBERLIN AVE
LORAIN, OH 44053
* $ 488,307,000 2 $ 341,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 2 $ 291,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,281,747,000 2 $ 70,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,218,607,000 2 $ 271,000
Dollar Bank, FSB
#3 GATEWAY CENTER, SEVEN WEST
PITTSBURGH, PA 15222
* $ 6,350,770,000 2 $ 37,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 2 $ 256,000
American Bank of Huntsville
3301 MEMORIAL PKWY SW
HUNTSVILLE, AL 35801
* $ 173,615,000 2 $ 96,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 150,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 683,045,000 1 $ 97,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,163,507,000 1 $ 113,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 1 $ 62,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 115,000
Jeep Country
7030 SPRING MEADOWS DR. WEST
HOLLAND, OH 43528
* $ 59,623,000 1 $ 125,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 3,115,825,000 1 $ 138,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 584,153,000 1 $ 146,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 44,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 669,292,000 1 $ 172,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 163,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 589,411,000 1 $ 77,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 10,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 1 $ 128,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 235,866,000 1 $ 16,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 80,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 91,000
Park View Savings Bank
30000 AURORA ROAD
SOLON, OH 44139
* $ 799,668,000 1 $ 151,000
Bay Area Credit Union
4202 NAVARRE AVENUE
OREGON, OH 43616
* $ 51,673,000 1 $ 180,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 922,979,000 1 $ 100,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 275,779,000 1 $ 30,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 544,761,000 1 $ 9,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 525,514,000 1 $ 100,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ 564,961,000 1 $ 130,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,123,880,000 1 $ 30,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 1 $ 149,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 83,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 115,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ 18,193,000 1 $ 133,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 131,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 1 $ 125,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 206,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 109,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 158,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 131,000
Home Mortgage Assured Corporation
6000 PARKLAND BLVD
MAYFIELD HTS, OH 44124
* $ 10,000,000 1 $ 60,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 123,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 210,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 100,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 106,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 73,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 60,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 94,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 94,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 1 $ 129,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 103,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 1 $ 75,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 76,000

The tables below break down 2012 mortgage applications in Sandusky County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Sandusky County, OH in 2012

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 1,577 $164,240,000 $104,000 $531,000 $61,000 $1,712,000
Home Purchase 515 $50,525,000 $98,000 $1,302,000 $52,000 $2,524,000
Home Improvement 179 $5,415,000 $30,000 $298,000 $52,000 $238,000

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 1,895 $185,739,000 $98,000 $1,302,000 $61,000 $2,524,000
Not Provided 154 $13,893,000 $90,000 $276,000 $66,000 $1,712,000
Not applicable 109 $10,774,000 $98,000 $928,000 $9,000 $118,000
Hispanic 89 $7,558,000 $84,000 $246,000 $48,000 $200,000
Black or African American 16 $1,379,000 $86,000 $168,000 $57,000 $123,000
Native Hawaiian or Other Pacific Islander 3 $300,000 $100,000 $119,000 $42,000 $60,000
American Indian or Alaskan Native 3 $292,000 $97,000 $130,000 $60,000 $67,000
Asian 2 $245,000 $122,000 $210,000 $129,000 $240,000

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) 1,657 $156,042,000 $94,000 $1,302,000 $66,000 $2,524,000
FHA-insured (Federal Housing Administration) 359 $36,877,000 $102,000 $300,000 $39,000 $160,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 128 $12,416,000 $97,000 $254,000 $37,000 $85,000
VA-guaranteed (Veterans Administration) 127 $14,845,000 $116,000 $266,000 $34,000 $281,000

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 1,229 $123,710,000 $100,000 $1,302,000 $65,000 $2,524,000
Application Denied By Financial Institution 511 $43,070,000 $84,000 $531,000 $54,000 $331,000
Loan Purchased By The Institution 207 $20,939,000 $101,000 $238,000 $30,000 $208,000
Application Withdrawn By Applicant 188 $19,405,000 $103,000 $417,000 $56,000 $240,000
Application Approved But Not Accepted 82 $7,584,000 $92,000 $256,000 $64,000 $217,000
File Closed For Incompleteness 54 $5,472,000 $101,000 $276,000 $53,000 $138,000
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 131 $14,025,000 $107,000 $531,000 $72,000 $331,000
Credit History 128 $8,436,000 $65,000 $300,000 $50,000 $131,000
Debt-To-Income Ratio 64 $4,836,000 $75,000 $264,000 $35,000 $94,000
Credit Application Incomplete 50 $4,075,000 $81,000 $195,000 $50,000 $134,000
Other 26 $2,475,000 $95,000 $266,000 $71,000 $331,000
Unverifiable Information 10 $1,006,000 $100,000 $189,000 $56,000 $147,000
Insufficient Cash (Downpayment, Closing Cost) 7 $639,000 $91,000 $143,000 $67,000 $147,000
Employment History 3 $165,000 $55,000 $100,000 $56,000 $69,000
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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