Seneca County, OH Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,558 mortgage applications in Seneca County, OH totaling $216.3 million, up 8% from 2024. The average application was for $138,000, and applicants reported an average income of $82,000. 54% of applications resulted in an originated loan and 16% were denied. The most active lender was loanDepot.com LLC, with 244 applications, followed by Fifth Third Bank, National Association 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 1,558
Total Mortgage Loan Application Amount $216,280,000
Average Mortgage Loan Application Amount $138,000
Highest Mortgage Loan Application Amount $3,205,000
Average Applicant Income $82,000
Highest Applicant Income $1,000,000

Mortgage Company List for Lending in Seneca County, OH for 2025

* 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
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 244 $ 35,760,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 131 $ 12,735,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 80 $ 8,140,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 78 $ 10,440,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 76 $ 7,400,000
Old Fort Banking Company
8034 MAIN STREET
OLD FORT, OH 44861
* $ n/a 50 $ 7,930,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 42 $ 7,790,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 42 $ 3,600,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 34 $ 4,620,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 29 $ 4,965,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 28 $ 4,490,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ n/a 27 $ 7,385,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 25 $ 2,155,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 23 $ 5,215,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 23 $ 3,235,000
Fremont Federal Credit Union
315 CROGHAN ST
FREMONT, OH 43420
* $ n/a 22 $ 1,970,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 19 $ 3,615,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 18 $ 3,010,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 16 $ 1,850,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 15 $ 2,195,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 15 $ 2,055,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 15 $ 495,000
Croghan Colonial Bank
323 CROGHAN ST
FREMONT, OH 43420
* $ n/a 14 $ 4,910,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 14 $ 1,350,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 14 $ 1,680,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 13 $ 2,645,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 12 $ 1,340,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 11 $ 1,005,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 1,715,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ n/a 11 $ 1,175,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 10 $ 720,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ n/a 10 $ 1,420,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 645,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 1,085,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 8 $ 1,190,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 8 $ 1,560,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 8 $ 500,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 7 $ 1,525,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 7 $ 1,205,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 7 $ 1,985,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 7 $ 275,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 6 $ 840,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 6 $ 840,000
Your Home Financial LLC
1015 VIRGINIA DRIVE, SUITE 210
FORT WASHINGTON, PA 19034
* $ n/a 6 $ 1,100,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 6 $ 560,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 6 $ 950,000
First National Bank of Pandora
102 E. MAIN ST
PANDORA, OH 45877
* $ n/a 6 $ 480,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 6 $ 740,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 6 $ 630,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ n/a 6 $ 720,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 5 $ 365,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 5 $ 495,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 5 $ 625,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 395,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ n/a 5 $ 1,015,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 5 $ 385,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 5 $ 585,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 4 $ 470,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 4 $ 390,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 4 $ 810,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 3 $ 505,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ n/a 3 $ 805,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 3 $ 225,000
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 3 $ 465,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 125,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 3 $ 155,000
Howard Hanna Financial Services, Inc
1000 GAMMA DRIVE
PITTSBURGH, PA 15238
* $ n/a 3 $ 635,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 365,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ n/a 3 $ 275,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 320,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 290,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 260,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 2 $ 320,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 2 $ 400,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 2 $ 280,000
Portage Community Bank
1311 E. MAIN ST.
RAVENNA, OHIO, OH 44266
* $ n/a 2 $ 560,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 2 $ 110,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 240,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 370,000
First National Bank
120 NORTH ST
BELLEVUE, OH 44811
* $ n/a 2 $ 80,000
Vacationland Federal Credit Union
2911 HAYES AVE
SANDUSKY, OH 44870
* $ n/a 2 $ 370,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 270,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 1,070,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 2 $ 300,000
The First Citizens National Bank of Upper Sandusky
100 N. SANDUSKY AVENUE
UPPER SANDUSKY, OH 43351
* $ n/a 2 $ 2,180,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 2 $ 230,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 2 $ 190,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 2 $ 400,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 200,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 2 $ 230,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 2 $ 700,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 240,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ n/a 2 $ 380,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 200,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 2 $ 1,030,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 2 $ 350,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ n/a 2 $ 220,000
American Heritage Federal Credit Union
2060 RED LION RD
PHILADELPHIA, PA 19115
* $ n/a 1 $ 55,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 175,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ n/a 1 $ 115,000
Hall Financial
888 W BIG BEAVER RD, SUITE 800
TROY, MI 48083
* $ n/a 1 $ 135,000
Sun Federal Credit Union
1627 HOLLAND ROAD
MAUMEE, OH 43537
* $ n/a 1 $ 175,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 1 $ 125,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 55,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 205,000
Right Start Mortgage, Inc

SAN ANTONIO, TX 78248
* $ n/a 1 $ 165,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 465,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 25,000
Directions Credit Union
5121 WHITEFORD ROAD
TOLEDO, OH 43604
* $ n/a 1 $ 165,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ n/a 1 $ 305,000
Century FCU
1240 EAST 9TH STREET AJ CELEBREZZE FEDERAL BUILDING SUITE 719
CLEVELAND, OH 44199
* $ n/a 1 $ 45,000
Credit Union of Ohio
5500 BRITTON PARKWAY
HILLIARD, OH 43026
* $ n/a 1 $ 85,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ n/a 1 $ 125,000
South River Mortgage, LLC
1750 FOREST DR SUITE 195
ANNAPOLIS, MD 21401
* $ n/a 1 $ 15,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 1 $ 125,000
Mid-Continent Funding, Inc.
3401 W BROADWAY BUSINESS PARK CT STE 213
COLUMBIA, MO 65203
* $ n/a 1 $ 215,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ n/a 1 $ 105,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ n/a 1 $ 665,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 125,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 195,000
The Genoa Banking Company
801 MAIN STREET
GENOA, OH 43430
* $ n/a 1 $ 235,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 1 $ 125,000
Atlantic Coast Mortgage, LLC
4100 MONUMENT CORNER DRIVE, SUITE 300
FAIRFAX, VA 22030
* $ n/a 1 $ 145,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 225,000
Michigan Schools and Governmen
40400 GARFIELD ROAD
CLINTON TOWNSHIP, MI 48038
* $ n/a 1 $ 55,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 75,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 465,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 155,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 25,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 205,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 175,000
Union Capital Mortgage Corp
26021 CENTER RIDGE ROAD
WESTLAKE, OH 44145
* $ n/a 1 $ 245,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 245,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 125,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 195,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 85,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ n/a 1 $ 215,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 205,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ n/a 1 $ 105,000
United Trust Bank
12330 S. HARLEM AVENUE
PALOS HEIGHTS, IL 60463
* $ n/a 1 $ 175,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 125,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 25,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 145,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 65,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ n/a 1 $ 65,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 455,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 55,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 285,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 175,000

The tables below break down 2025 mortgage applications in Seneca 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 Seneca County, OH in 2025

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 730 $124,330,000 $170,000 $3,205,000 $82,000 $375,000
Cash-out Refinancing 285 $37,095,000 $130,000 $565,000 $75,000 $429,000
Other Purpose 183 $12,825,000 $70,000 $455,000 $83,000 $431,000
Refinancing 183 $30,415,000 $166,000 $1,755,000 $75,000 $276,000
Home Improvement 172 $11,220,000 $65,000 $225,000 $100,000 $1,000,000
Not Applicable 5 $395,000 $79,000 $175,000 $58,000 $117,000

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 1,188 $161,970,000 $136,000 $705,000 $84,000 $1,000,000
Not applicable 156 $28,800,000 $184,000 $3,205,000 $93,000 $198,000
Not Provided 117 $15,385,000 $131,000 $565,000 $79,000 $270,000
Hispanic 68 $6,990,000 $102,000 $405,000 $68,000 $429,000
Black or African American 15 $1,585,000 $105,000 $215,000 $67,000 $100,000
Asian 8 $1,030,000 $128,000 $455,000 $80,000 $235,000
American Indian or Alaskan Native 4 $330,000 $82,000 $105,000 $47,000 $77,000
Native Hawaiian or Other Pacific Islander 2 $190,000 $95,000 $155,000 $42,000 $50,000

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) 1,080 $135,890,000 $125,000 $3,205,000 $87,000 $1,000,000
FHA-insured (Federal Housing Administration) 313 $48,115,000 $153,000 $435,000 $68,000 $206,000
VA-guaranteed (Veterans Administration) 123 $26,515,000 $215,000 $565,000 $83,000 $209,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $5,760,000 $137,000 $205,000 $65,000 $100,000

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 836 $120,280,000 $143,000 $1,755,000 $88,000 $1,000,000
Application Denied By Financial Institution 255 $25,245,000 $99,000 $565,000 $69,000 $314,000
Application Withdrawn By Applicant 202 $29,130,000 $144,000 $645,000 $76,000 $375,000
Loan Purchased By The Institution 151 $24,295,000 $160,000 $665,000 $81,000 $198,000
File Closed For Incompleteness 71 $8,315,000 $117,000 $565,000 $85,000 $400,000
Application Approved But Not Accepted 42 $8,730,000 $207,000 $3,205,000 $83,000 $429,000
Preapproval Approved but not Accepted 1 $285,000 $285,000 $285,000 $126,000 $126,000
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 1,225 $175,735,000 $143,000 $1,755,000 $85,000 $1,000,000
Debt-To-Income Ratio 121 $20,005,000 $165,000 $3,205,000 $79,000 $429,000
Credit History 89 $6,825,000 $76,000 $305,000 $71,000 $314,000
Collateral 58 $7,030,000 $121,000 $565,000 $88,000 $245,000
Credit Application Incomplete 41 $3,925,000 $95,000 $325,000 $60,000 $174,000
Unverifiable Information 11 $1,245,000 $113,000 $265,000 $52,000 $94,000
Other 8 $1,010,000 $126,000 $205,000 $65,000 $119,000
Insufficient Cash (Downpayment, Closing Cost) 5 $505,000 $101,000 $185,000 $53,000 $123,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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