Scott County, IN Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,284 mortgage applications in Scott County, IN totaling $181.9 million, down 23% from 2021. The average application was for $141,000, and applicants reported an average income of $69,000. 53% of applications resulted in an originated loan and 14% were denied. The most active lender was Centra Credit Union, with 194 applications, followed by 21st Mortgage and Direct Mortgage Loans, LLC.

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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 1,284
Total Mortgage Loan Application Amount $181,910,000
Average Mortgage Loan Application Amount $141,000
Highest Mortgage Loan Application Amount $2,205,000
Average Applicant Income $69,000
Highest Applicant Income $364,000

Mortgage Company List for Lending in Scott County, IN for 2022

* 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
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,964,165,000 194 $ 18,730,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 95 $ 6,625,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 51 $ 8,745,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 47 $ 2,555,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 43 $ 6,935,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 42 $ 7,190,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 40 $ 8,440,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 40 $ 7,100,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 28 $ 2,900,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 21 $ 2,965,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 2,820,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 3,380,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 19 $ 2,985,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 19 $ 3,065,000
Inspire Home Loans Inc.
4695 MACARTHUR COURT SUITE 350
NEWPORT BEACH, CA 92660
* $ -1,000 18 $ 3,580,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,758,936,000 17 $ 3,335,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 17 $ 3,445,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 5,596,059,000 17 $ 2,235,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 17 $ 3,855,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 6,639,234,000 17 $ 2,085,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 16 $ 2,810,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 14 $ 2,070,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 14 $ 2,230,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 2,690,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 13 $ 1,285,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 1,685,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 13 $ 1,575,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 12 $ 1,810,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 12 $ 1,690,000
Jackson County Bank
125 S CHESTNUT ST
SEYMOUR, IN 47274
* $ 780,440,000 11 $ 1,315,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 2,035,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 10 $ 2,050,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 10 $ 1,010,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 10 $ 1,220,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 9 $ 415,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 9 $ 1,775,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 9 $ 1,795,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 9 $ 1,225,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 2,065,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 8 $ 1,280,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 8 $ 1,880,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 1,165,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 7 $ 1,205,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 7 $ 485,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 1,135,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 6 $ 930,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 6 $ 850,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 6 $ 540,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 5 $ 425,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 715,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 1,235,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 5 $ 1,285,000
First Harrison Bank
220 FEDERAL DR NW
CORYDON, IN 47112
* $ 1,151,118,000 5 $ 565,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 5 $ 815,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 6,088,183,000 4 $ 440,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 390,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 4 $ 270,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 4 $ 270,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 4 $ 770,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 4 $ 350,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 395,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 425,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 3 $ 395,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 3 $ 625,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 205,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 665,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 3 $ 445,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 425,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 3 $ 545,000
Farmers Bank of Milton
41 FERRY ST.
MILTON, KY 40045
* $ 312,585,000 3 $ 1,105,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 605,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,840,658,000 3 $ 445,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 3 $ 385,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 3 $ 435,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 3 $ 445,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 390,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 220,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 430,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 390,000
Meade County Bank
PO BOX 278
BRANDENBURG, KY 40108
* $ 288,987,000 2 $ 270,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 2 $ 440,000
Loan Simple, Inc.
9635 MAROON CIRCLE SUITE 100
ENGLEWOOD, CO 80112
* $ -1,000 2 $ 540,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 300,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 320,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 80,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 1,189,715,000 2 $ 80,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,591,396,000 2 $ 370,000
The Friendship State Bank
PO BOX 357
FRIENDSHIP, IN 47021
* $ 543,637,000 2 $ 260,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 2 $ 410,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 4,499,550,000 2 $ 110,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 2 $ 430,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 2 $ 570,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 7,338,072,000 2 $ 260,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 135,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,237,305,000 1 $ 2,205,000
Northern Mortgage Services, LLC
3714 28TH ST SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 95,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 1 $ 5,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 195,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 135,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 235,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 75,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 255,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 195,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 165,000
Arbor Bank
911 CENTRAL AVENUE
NEBRASKA CITY, NE 68410
* $ 530,797,000 1 $ 225,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 155,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 195,000
Mid-Southern Savings Bank FSB
300 N WATER STREET
SALEM, IN 47167
* $ 254,263,000 1 $ 135,000
The New Washington State Bank
402 EAST MAIN STREET
NEW WASHINGTON, IN 47162
* $ 485,548,000 1 $ 75,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 1 $ 165,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 75,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 115,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 604,572,000 1 $ 145,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 265,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 115,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 1 $ 35,000
Veritas Funding, LLC
MORGUN HALL
MIDVALE, UT 84047
* $ -1,000 1 $ 215,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 105,000
Citywide Home Loans, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 185,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 1 $ 325,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 1 $ 155,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ 2,987,938,000 1 $ 125,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 245,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 235,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 85,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 135,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 165,000
Indiana University CU
PO BOX 368
BLOOMINGTON, IN 47401
* $ 1,518,070,000 1 $ 325,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ -1,000 1 $ 75,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 175,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 175,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,514,736,000 1 $ 275,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 1 $ 105,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 135,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,606,175,000 1 $ 165,000
Crane Credit Union
1 WEST GATE DRIVE
ODON, IN 47562
* $ 923,193,000 1 $ 105,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 55,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 155,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 65,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 105,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 341,539,000 1 $ 295,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 1 $ 185,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 1 $ 95,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,880,387,000 1 $ 295,000

The tables below break down 2022 mortgage applications in Scott County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Scott County, IN in 2022

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 686 $110,420,000 $160,000 $2,205,000 $64,000 $364,000
Cash-out Refinancing 257 $38,755,000 $150,000 $505,000 $74,000 $205,000
Refinancing 140 $19,240,000 $137,000 $705,000 $67,000 $235,000
Other Purpose 97 $6,815,000 $70,000 $355,000 $85,000 $306,000
Home Improvement 96 $6,020,000 $62,000 $245,000 $74,000 $205,000
Not Applicable 8 $660,000 $82,000 $175,000 $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 1,019 $135,755,000 $133,000 $535,000 $69,000 $364,000
Not applicable 138 $26,540,000 $192,000 $2,205,000 $47,000 $47,000
Not Provided 83 $12,725,000 $153,000 $505,000 $69,000 $205,000
Hispanic 25 $4,075,000 $163,000 $345,000 $62,000 $104,000
American Indian or Alaskan Native 9 $1,245,000 $138,000 $355,000 $92,000 $170,000
Asian 4 $660,000 $165,000 $235,000 $96,000 $116,000
Black or African American 3 $475,000 $158,000 $205,000 $48,000 $50,000
Native Hawaiian or Other Pacific Islander 1 $185,000 $185,000 $185,000 $44,000 $44,000

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) 788 $97,220,000 $123,000 $2,205,000 $72,000 $329,000
FHA-insured (Federal Housing Administration) 278 $44,620,000 $160,000 $365,000 $61,000 $364,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 114 $18,890,000 $165,000 $295,000 $54,000 $113,000
VA-guaranteed (Veterans Administration) 104 $21,180,000 $203,000 $385,000 $72,000 $170,000

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 677 $101,775,000 $150,000 $2,205,000 $73,000 $364,000
Application Denied By Financial Institution 184 $20,610,000 $112,000 $535,000 $61,000 $300,000
Application Withdrawn By Applicant 147 $20,805,000 $141,000 $395,000 $65,000 $205,000
Loan Purchased By The Institution 137 $24,315,000 $177,000 $545,000 $82,000 $129,000
File Closed For Incompleteness 80 $8,730,000 $109,000 $315,000 $65,000 $176,000
Application Approved But Not Accepted 58 $5,440,000 $93,000 $355,000 $63,000 $211,000
Preapproval Denied by Financial Institution 1 $235,000 $235,000 $235,000 $115,000 $115,000
Preapproval Approved but not Accepted 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 1,093 $159,455,000 $145,000 $2,205,000 $70,000 $364,000
Credit History 72 $6,320,000 $87,000 $345,000 $64,000 $222,000
Debt-To-Income Ratio 56 $7,800,000 $139,000 $705,000 $46,000 $144,000
Collateral 31 $4,365,000 $140,000 $535,000 $85,000 $300,000
Credit Application Incomplete 10 $1,170,000 $117,000 $255,000 $59,000 $102,000
Other 9 $875,000 $97,000 $195,000 $52,000 $125,000
Unverifiable Information 7 $1,025,000 $146,000 $355,000 $74,000 $102,000
Employment History 3 $405,000 $135,000 $175,000 $53,000 $83,000
Insufficient Cash (Downpayment, Closing Cost) 3 $495,000 $165,000 $185,000 $60,000 $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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