Sandusky County, OH Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,391 mortgage applications in Sandusky County, OH totaling $184.4 million, down 33% from 2022. The average application was for $132,000, and applicants reported an average income of $77,000. 58% of applications resulted in an originated loan and 15% were denied. The most active lender was Fremont Federal Credit Union, with 154 applications, followed by Huntington National Bank and Croghan Colonial 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 1,391
Total Mortgage Loan Application Amount $184,425,000
Average Mortgage Loan Application Amount $132,000
Highest Mortgage Loan Application Amount $1,795,000
Average Applicant Income $77,000
Highest Applicant Income $373,000

Mortgage Company List for Lending in Sandusky County, OH for 2023

* 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
Fremont Federal Credit Union
315 CROGHAN ST
FREMONT, OH 43420
* $ 324,071,000 154 $ 20,380,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 133 $ 11,405,000
Croghan Colonial Bank
323 CROGHAN ST
FREMONT, OH 43420
* $ 1,122,225,000 88 $ 11,480,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 69 $ 5,635,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 45 $ 5,065,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 39 $ 6,155,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 35 $ 5,015,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 34 $ 2,560,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 30 $ 5,440,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 29 $ 4,745,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 27 $ 3,965,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 1,084,777,000 27 $ 2,405,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 26 $ 4,320,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 23 $ 3,395,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 187,590,465,000 23 $ 2,465,000
The Genoa Banking Company
801 MAIN STREET
GENOA, OH 43430
* $ 538,273,000 20 $ 4,030,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 3,533,305,000 18 $ 2,510,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 18 $ 3,480,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 18 $ 2,450,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 8,408,012,000 18 $ 1,860,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ 798,208,000 15 $ 2,095,000
First National Bank
120 NORTH ST
BELLEVUE, OH 44811
* $ 296,562,000 13 $ 3,605,000
Union Capital Mortgage Corp
26021 CENTER RIDGE ROAD
WESTLAKE, OH 44145
* $ -1,000 13 $ 1,865,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 12 $ 1,450,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 12 $ 2,960,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 11 $ 315,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 2,085,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 10 $ 1,240,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 10 $ 630,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 10 $ 550,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 10 $ 850,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 9 $ 1,645,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 2,005,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ -1,000 9 $ 1,335,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 9 $ 1,215,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 8 $ 1,010,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 8 $ 320,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,000,000
Your Home Financial LLC
1015 VIRGINIA DRIVE, SUITE 210
FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,095,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 1,130,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 6 $ 1,040,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 6 $ 970,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 870,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,511,702,000 6 $ 380,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 700,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 750,000
Newrez Ventures LLC
4000 W. BROWN DEER ROAD
SPRINGFIELD, IL 53209
* $ -1,000 5 $ 785,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ -1,000 5 $ 1,715,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 675,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 635,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 5 $ 315,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 5 $ 825,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 2,548,129,000 5 $ 2,025,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,325,575,000 4 $ 540,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 4 $ 790,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 4 $ 470,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 4 $ 1,010,000
Ccf - Auburn Hills Branch
2955 UNIVERSITY DRIVE
AUBURN HILLS, MI 48326
* $ 410,814,000 4 $ 340,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 385,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 3 $ 335,000
First Federal Savings & Loan Association of Lorain
3721 OBERLIN AVE
LORAIN, OH 44053
* $ 526,440,000 3 $ 855,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 575,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 3 $ 185,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 3 $ 465,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 525,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 355,000
Ally Bank

CHARLOTTE, NC 28202
* $ 181,890,000,000 3 $ 305,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 355,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 85,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 325,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ -1,000 3 $ 425,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 2 $ 350,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 2,993,588,000 2 $ 550,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 300,000
Commodore Perry Federal Credit Union
1016 OH-19
OAK HARBOR, OH 43449
* $ 82,336,000 2 $ 190,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ -1,000 2 $ 340,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 43,726,588,000 2 $ 300,000
Homepromise Corporation
60 S WASHINGTON ST, STE 106
GREENCASTLE, PA 17225
* $ -1,000 2 $ 340,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 2 $ 340,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 2,192,809,000 2 $ 400,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 2 $ 340,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ 3,002,849,000 2 $ 230,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 2 $ 350,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ -1,000 2 $ 870,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 2 $ 310,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 2 $ 60,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,915,645,000 2 $ 20,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 250,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 2 $ 220,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 150,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 230,000
Glass City Federal Credit Union
1340 ARROWHEAD DRIVE
MAUMEE, OH 43537
* $ 306,734,000 2 $ 230,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 240,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 1,747,013,000 2 $ 300,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 250,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 390,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 490,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 310,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 290,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ 271,788,000 1 $ 105,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 699,502,000 1 $ 45,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 1 $ 95,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 105,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 195,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 125,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 175,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 1 $ 135,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ -1,000 1 $ 175,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 55,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 155,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 155,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,894,686,000 1 $ 105,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 175,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 185,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 95,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,815,951,000 1 $ 275,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 95,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 95,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ -1,000 1 $ 85,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 125,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 205,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ 1,183,818,000 1 $ 55,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 245,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 155,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 1 $ 175,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ -1,000 1 $ 215,000
Sun Federal Credit Union
1627 HOLLAND ROAD
MAUMEE, OH 43537
* $ 653,419,000 1 $ 55,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 1 $ 175,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 1 $ 135,000
Civic Financial Services, LLC
2015 MANHATTAN BEACH BLVD STE 106
GLENDALE, CA 90278
* $ -1,000 1 $ 105,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 94,527,000 1 $ 165,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 165,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 105,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 125,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 45,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 95,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 85,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 215,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ -1,000 1 $ 185,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 2,446,950,000 1 $ 65,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 145,000
Coast One Mortgage, LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 125,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 115,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 175,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 105,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ 4,469,837,000 1 $ 55,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 1 $ 35,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 195,000

The tables below break down 2023 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 2023

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 761 $119,635,000 $157,000 $1,795,000 $73,000 $314,000
Cash-out Refinancing 271 $37,685,000 $139,000 $445,000 $76,000 $373,000
Other Purpose 123 $8,135,000 $66,000 $355,000 $90,000 $277,000
Home Improvement 122 $6,630,000 $54,000 $275,000 $79,000 $279,000
Refinancing 109 $12,015,000 $110,000 $455,000 $84,000 $341,000
Not Applicable 5 $325,000 $65,000 $105,000 $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 982 $128,310,000 $130,000 $565,000 $78,000 $373,000
Not Provided 150 $19,370,000 $129,000 $445,000 $74,000 $341,000
Hispanic 109 $14,515,000 $133,000 $565,000 $76,000 $243,000
Not applicable 92 $15,600,000 $169,000 $1,795,000 $0 $0
Black or African American 43 $5,035,000 $117,000 $455,000 $57,000 $230,000
American Indian or Alaskan Native 8 $640,000 $80,000 $125,000 $57,000 $89,000
Asian 7 $955,000 $136,000 $305,000 $125,000 $277,000
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) 970 $116,600,000 $120,000 $1,795,000 $80,000 $373,000
FHA-insured (Federal Housing Administration) 262 $38,650,000 $147,000 $415,000 $65,000 $236,000
VA-guaranteed (Veterans Administration) 129 $25,135,000 $194,000 $455,000 $79,000 $279,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $4,040,000 $134,000 $235,000 $64,000 $113,000

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 804 $112,320,000 $139,000 $1,795,000 $79,000 $373,000
Application Denied By Financial Institution 206 $18,370,000 $89,000 $355,000 $70,000 $325,000
Application Withdrawn By Applicant 176 $25,160,000 $142,000 $565,000 $74,000 $341,000
Loan Purchased By The Institution 115 $18,005,000 $156,000 $405,000 $63,000 $153,000
File Closed For Incompleteness 60 $7,180,000 $119,000 $415,000 $78,000 $220,000
Application Approved But Not Accepted 28 $3,120,000 $111,000 $345,000 $86,000 $242,000
Preapproval Approved but not Accepted 1 $165,000 $165,000 $165,000 $70,000 $70,000
Preapproval Denied by Financial Institution 1 $105,000 $105,000 $105,000 $33,000 $33,000

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 1,032 $145,780,000 $141,000 $1,795,000 $79,000 $373,000
Debt-To-Income Ratio 197 $23,905,000 $121,000 $555,000 $69,000 $318,000
Credit History 87 $6,335,000 $72,000 $265,000 $74,000 $325,000
Collateral 28 $3,450,000 $123,000 $305,000 $82,000 $215,000
Credit Application Incomplete 27 $2,415,000 $89,000 $205,000 $81,000 $279,000
Other 9 $1,045,000 $116,000 $355,000 $80,000 $166,000
Unverifiable Information 5 $845,000 $169,000 $305,000 $83,000 $110,000
Insufficient Cash (Downpayment, Closing Cost) 4 $420,000 $105,000 $135,000 $56,000 $98,000
Employment History 2 $230,000 $115,000 $125,000 $50,000 $57,000
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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