Sandusky County, OH Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,685 mortgage applications in Sandusky County, OH totaling $184.5 million, up 14% from 2017. The average application was for $109,000, and applicants reported an average income of $65,000. 55% of applications resulted in an originated loan and 19% were denied. The most active lender was Huntington National Bank, with 171 applications, followed by Croghan Colonial Bank and Fifth Third 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 1,685
Total Mortgage Loan Application Amount $184,515,000
Average Mortgage Loan Application Amount $109,000
Highest Mortgage Loan Application Amount $2,645,000
Average Applicant Income $65,000
Highest Applicant Income $409,000

Mortgage Company List for Lending in Sandusky County, OH for 2018

* 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
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 171 $ 16,465,000
Croghan Colonial Bank
323 CROGHAN ST
FREMONT, OH 43420
* $ 840,052,000 114 $ 16,060,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 79 $ 5,555,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 77 $ 6,205,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 64 $ 6,450,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 56 $ 5,940,000
First National Bank
120 NORTH ST
BELLEVUE, OH 44811
* $ 209,021,000 46 $ 5,100,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 39 $ 4,405,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ 523,775,000 37 $ 4,535,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 34 $ 3,670,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 34 $ 2,830,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 32 $ 3,180,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,641,355,000 31 $ 3,425,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 29 $ 2,135,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 26 $ 3,200,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 26 $ 3,160,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 25 $ 3,125,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 22 $ 3,000,000
The Genoa Banking Company
801 MAIN STREET
GENOA, OH 43430
* $ 345,640,000 22 $ 3,330,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 21 $ 1,975,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 2,660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 18 $ 2,780,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 18 $ 2,150,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 17 $ 1,315,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 875,900,000 16 $ 2,770,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 15 $ 1,505,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 14 $ 1,550,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 14 $ 740,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 14 $ 1,040,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,967,866,000 14 $ 1,360,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ -1,000 12 $ 1,460,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 12 $ 1,220,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 1,521,910,000 12 $ 1,330,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 11 $ 1,315,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 10 $ 560,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 10 $ 1,190,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 10 $ 960,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 9 $ 1,065,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 8 $ 1,130,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,040,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 8 $ 190,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 8 $ 420,000
First Federal Savings & Loan Association of Lorain
3721 OBERLIN AVE
LORAIN, OH 44053
* $ 416,136,000 8 $ 780,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 7 $ 825,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 945,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 6 $ 1,000,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,784,965,000 6 $ 1,600,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 200,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 6 $ 490,000
Sun Federal Credit Union
1627 HOLLAND ROAD
MAUMEE, OH 43537
* $ 513,366,000 6 $ 810,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 730,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 6 $ 880,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 670,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 6 $ 590,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 6 $ 730,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 5 $ 535,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 955,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 969,487,000 5 $ 735,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 5 $ 655,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 5 $ 665,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 5 $ 545,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 695,000
Waterford Bank, N.A.
3900 N. MCCORD RD
TOLEDO, OH 43617
* $ 675,112,000 5 $ 775,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 4 $ 690,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 4 $ 510,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 4 $ 440,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 4 $ 410,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 4 $ 370,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 4 $ 730,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 535,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 778,829,000 3 $ 265,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 375,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 265,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 3 $ 505,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 355,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 415,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 715,175,000 3 $ 385,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 305,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 365,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 395,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 3 $ 465,000
Glass City Federal Credit Union
1340 ARROWHEAD DRIVE
MAUMEE, OH 43537
* $ 222,488,000 3 $ 255,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ 237,613,000 3 $ 205,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 3 $ 555,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 355,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 225,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 385,000
Hantz Bank
26200 AMERICAN DRIVE, 2ND FLOOR
SOUTHFIELD, MI 48034
* $ 222,868,000 3 $ 245,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 7,826,243,000 3 $ 345,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 160,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 320,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 250,000
Gateway Mortgage Group, LLC
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ -1,000 2 $ 270,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 2 $ 40,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 2 $ 520,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 50,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,376,902,000 2 $ 40,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 350,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 2 $ 350,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 120,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 160,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 430,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 2 $ 220,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 70,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 2 $ 290,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 2 $ 280,000
Ccf - Auburn Hills Branch
2955 UNIVERSITY DRIVE
AUBURN HILLS, MI 48326
* $ 270,682,000 2 $ 80,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 130,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 310,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 2 $ 100,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 1,082,413,000 2 $ 320,000
Tidewater Mortgage Services, Inc
200 GOLDEN OAK COURT STE. 100
VIRGINIA BEACH, VA 26452
* $ -1,000 1 $ 135,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 135,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 7,281,983,000 1 $ 115,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 95,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,471,410,000 1 $ 185,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 75,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 1 $ 95,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 1 $ 55,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 75,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 65,000
First State Bank of St Charles
2850 WEST CLAY ST
ST CHARLES, MO 63301
* $ 374,301,000 1 $ 125,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 820,653,000 1 $ 85,000
Chemical Bank
333 E MAIN STREET
MIDLAND, MI 48640
* $ 19,236,876,000 1 $ 45,000
Home Mortgage Assured Corporation
6000 PARKLAND BLVD
MAYFIELD HTS, OH 44124
* $ -1,000 1 $ 115,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 165,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ 2,139,762,000 1 $ 75,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 85,000
American Midwest Mortgage Corporation
6363 YORK ROAD
PARMA HEIGHTS, OH 44130
* $ -1,000 1 $ 165,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 1 $ 135,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 115,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 165,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ -1,000 1 $ 185,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ -1,000 1 $ 165,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 192,687,000 1 $ 125,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ 308,742,000 1 $ 145,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 2,349,213,000 1 $ 135,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,107,765,000 1 $ 155,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 35,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 135,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 65,000
First Federal Savings and Loan Association of Delta
404 MAIN ST
DELTA, OH 43515
* $ 161,840,000 1 $ 195,000
The Henry County Bank
122 E WASHINGTON STREET
NAPOLEON, OH 43545
* $ 281,250,000 1 $ 45,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 35,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 125,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 75,000

The tables below break down 2018 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 2018

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 847 $105,895,000 $125,000 $2,645,000 $64,000 $409,000
Cash-out Refinancing 325 $38,265,000 $117,000 $355,000 $66,000 $212,000
Refinancing 265 $26,825,000 $101,000 $595,000 $63,000 $308,000
Home Improvement 123 $6,025,000 $48,000 $195,000 $67,000 $194,000
Other Purpose 94 $4,970,000 $52,000 $195,000 $66,000 $188,000
Not Applicable 31 $2,535,000 $81,000 $195,000 $50,000 $106,000

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 1,310 $139,390,000 $106,000 $595,000 $65,000 $409,000
Not applicable 131 $18,725,000 $142,000 $2,645,000 $64,000 $106,000
Not Provided 117 $14,345,000 $122,000 $455,000 $70,000 $245,000
Hispanic 75 $7,055,000 $94,000 $275,000 $60,000 $226,000
Black or African American 41 $3,985,000 $97,000 $305,000 $56,000 $372,000
Asian 6 $560,000 $93,000 $115,000 $57,000 $105,000
American Indian or Alaskan Native 2 $240,000 $120,000 $145,000 $40,000 $51,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $18,000 $18,000

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) 1,059 $112,705,000 $106,000 $2,645,000 $70,000 $409,000
FHA-insured (Federal Housing Administration) 340 $37,090,000 $109,000 $255,000 $53,000 $220,000
VA-guaranteed (Veterans Administration) 173 $23,735,000 $137,000 $335,000 $65,000 $372,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 113 $10,985,000 $97,000 $195,000 $45,000 $90,000

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 930 $103,340,000 $111,000 $595,000 $68,000 $409,000
Application Denied By Financial Institution 323 $29,255,000 $90,000 $355,000 $56,000 $303,000
Application Withdrawn By Applicant 178 $23,770,000 $133,000 $2,645,000 $64,000 $220,000
Loan Purchased By The Institution 144 $16,110,000 $111,000 $315,000 $72,000 $372,000
File Closed For Incompleteness 57 $6,255,000 $109,000 $355,000 $70,000 $173,000
Application Approved But Not Accepted 44 $4,540,000 $103,000 $315,000 $57,000 $139,000
Preapproval Approved but not Accepted 9 $1,245,000 $138,000 $475,000 $52,000 $163,000
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 1,224 $135,960,000 $111,000 $595,000 $67,000 $409,000
Debt-To-Income Ratio 216 $27,050,000 $125,000 $2,645,000 $57,000 $303,000
Credit History 89 $6,455,000 $72,000 $275,000 $54,000 $144,000
Collateral 71 $6,385,000 $89,000 $355,000 $68,000 $186,000
Credit Application Incomplete 37 $3,825,000 $103,000 $215,000 $61,000 $133,000
Other 30 $2,830,000 $94,000 $255,000 $50,000 $187,000
Unverifiable Information 10 $1,180,000 $118,000 $315,000 $73,000 $150,000
Employment History 5 $555,000 $111,000 $135,000 $37,000 $58,000
Insufficient Cash (Downpayment, Closing Cost) 3 $275,000 $91,000 $185,000 $53,000 $72,000
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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