Seneca County, OH Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,445 mortgage applications in Seneca County, OH totaling $193.0 million, up 18% from 2023. The average application was for $133,000, and applicants reported an average income of $84,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was loanDepot.com LLC, with 208 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 | 1,445 |
| Total Mortgage Loan Application Amount | $193,035,000 |
| Average Mortgage Loan Application Amount | $133,000 |
| Highest Mortgage Loan Application Amount | $3,805,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $4,974,000 |
* 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 | 208 | $ 30,020,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 117 | $ 11,715,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 100 | $ 9,860,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ n/a | 66 | $ 9,380,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ n/a | 63 | $ 5,875,000 |
| Old Fort Banking Company 8034 MAIN STREET OLD FORT, OH 44861 |
* | $ n/a | 52 | $ 10,940,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 45 | $ 5,325,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 35 | $ 2,285,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 32 | $ 4,880,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 30 | $ 5,670,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ n/a | 29 | $ 5,435,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 28 | $ 1,890,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 27 | $ 5,225,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 27 | $ 4,355,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 23 | $ 4,085,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 20 | $ 1,680,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 19 | $ 895,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 19 | $ 2,055,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 17 | $ 3,245,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 17 | $ 1,885,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 16 | $ 2,620,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 15 | $ 535,000 |
| Croghan Colonial Bank 323 CROGHAN ST FREMONT, OH 43420 |
* | $ n/a | 15 | $ 3,385,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 15 | $ 2,405,000 |
| First National Bank of Pandora 102 E. MAIN ST PANDORA, OH 45877 |
* | $ n/a | 13 | $ 1,595,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 12 | $ 1,190,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 12 | $ 1,880,000 |
| Fremont Federal Credit Union 315 CROGHAN ST FREMONT, OH 43420 |
* | $ n/a | 11 | $ 1,585,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 1,435,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 11 | $ 725,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 10 | $ 1,400,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 10 | $ 1,130,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 10 | $ 1,940,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 9 | $ 2,275,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 9 | $ 345,000 |
| First Federal Bank of Ohio 140 N COLUMBUS ST. GALION, OH 44833 |
* | $ n/a | 8 | $ 1,730,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 8 | $ 660,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 8 | $ 500,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 7 | $ 875,000 |
| Sutton Bank 1 SOUTH MAIN ST ATTICA, OH 44807 |
* | $ n/a | 7 | $ 1,515,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 6 | $ 1,080,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ n/a | 6 | $ 820,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 6 | $ 700,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 6 | $ 960,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 730,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 6 | $ 360,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 900,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 4 | $ 710,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 4 | $ 430,000 |
| Schumacher Mortgage LLC 2715 WISE AVENUE SUITE 100 CANTON, OH 44708 |
* | $ n/a | 4 | $ 1,690,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 4 | $ 420,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ n/a | 3 | $ 425,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 3 | $ 545,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ n/a | 3 | $ 195,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ n/a | 3 | $ 505,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 3 | $ 135,000 |
| Civista Bank 100 EAST WATER ST SANDUSKY, OH 44870 |
* | $ n/a | 3 | $ 245,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 3 | $ 575,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 535,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 3 | $ 325,000 |
| Goodleap, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ n/a | 2 | $ 240,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ n/a | 2 | $ 390,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 350,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 2 | $ 200,000 |
| The Genoa Banking Company 801 MAIN STREET GENOA, OH 43430 |
* | $ n/a | 2 | $ 280,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 2 | $ 240,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 190,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 410,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 380,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 320,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 260,000 |
| First National Bank 120 NORTH ST BELLEVUE, OH 44811 |
* | $ n/a | 2 | $ 140,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 190,000 |
| The Bank of Old Monroe 2100 HWY C, PO BOX 188 OLD MONROE, MO 63369 |
* | $ n/a | 2 | $ 450,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 2 | $ 220,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 2 | $ 80,000 |
| Tjc Mortgage Inc 1 PERIMETER PARK S, STE 230 S BIRMINGHAM, AL 35243 |
* | $ n/a | 2 | $ 130,000 |
| First Federal Community Bank 119 S SANDUSKY AVENUE BUCYRUS, OH 44820 |
* | $ n/a | 2 | $ 190,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ n/a | 2 | $ 260,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 235,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 175,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 1 | $ 145,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ n/a | 1 | $ 95,000 |
| Teachers Federal Credit Union 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ n/a | 1 | $ 85,000 |
| Loanfront, LLC RED BANK, NJ 07701 |
* | $ n/a | 1 | $ 165,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ n/a | 1 | $ 25,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 215,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 165,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 1 | $ 205,000 |
| Sun Federal Credit Union 1627 HOLLAND ROAD MAUMEE, OH 43537 |
* | $ n/a | 1 | $ 85,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ n/a | 1 | $ 175,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 105,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ n/a | 1 | $ 45,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 145,000 |
| Homexpress Mortgage Corp. 1936 E DEERE AVE SUITE 200 SANTA ANA, CA 92705 |
* | $ n/a | 1 | $ 215,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ n/a | 1 | $ 55,000 |
| The Home Savings and Loan Company of Kenton, Ohio KENTON, OH 43326 |
* | $ n/a | 1 | $ 215,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 115,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 205,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ n/a | 1 | $ 225,000 |
| Cme Federal Credit Union 150 E MOUND STREET SUITE 100 COLUMBUS, OH 43215 |
* | $ n/a | 1 | $ 65,000 |
| Clearedge Lending LLC 20 ENTERPRISE SUITE 350 ALISO VIEJO, CA 92656 |
* | $ n/a | 1 | $ 165,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 515,000 |
| Uif Corporation 29777 TELEGRAPH RD. SUITE 3590 SOUTHFIELD, MI 48034 |
* | $ n/a | 1 | $ 65,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ n/a | 1 | $ 185,000 |
| Union Capital Mortgage Corp 26021 CENTER RIDGE ROAD WESTLAKE, OH 44145 |
* | $ n/a | 1 | $ 75,000 |
| Signature Bank, N.A. 4607 W. SYLVANIA AVE. TOLEDO, OH 43623 |
* | $ n/a | 1 | $ 255,000 |
| Luxury Mortgage Corp. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ n/a | 1 | $ 105,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ n/a | 1 | $ 225,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ n/a | 1 | $ 115,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ n/a | 1 | $ 15,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ n/a | 1 | $ 465,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 145,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 125,000 |
| Traditional Mortgage Acceptance Corporation 777 108TH AVE NE #1670 BELLEVUE, WA 98004 |
* | $ n/a | 1 | $ 55,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ n/a | 1 | $ 135,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 135,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 245,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 315,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 155,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 175,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ n/a | 1 | $ 115,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 1 | $ 175,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 315,000 |
| Mechanics Bank 2 SOUTH MAIN STREET MANSFIELD, OH 44902 |
* | $ n/a | 1 | $ 115,000 |
| Bpl Mortgage, LLC OAKBROOK TERRACE, IL 60181 |
* | $ n/a | 1 | $ 115,000 |
| Coast One Mortgage, LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 55,000 |
| Your Home Financial LLC 1015 VIRGINIA DRIVE, SUITE 210 FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 115,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 205,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ n/a | 1 | $ 125,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 185,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 105,000 |
| Contour Mortgage Corporation 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 2024
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 | 699 | $118,765,000 | $169,000 | $3,805,000 | $88,000 | $4,974,000 |
| Cash-out Refinancing | 256 | $33,680,000 | $131,000 | $1,105,000 | $83,000 | $1,243,000 |
| Home Improvement | 174 | $10,920,000 | $62,000 | $505,000 | $80,000 | $304,000 |
| Refinancing | 158 | $20,910,000 | $132,000 | $1,015,000 | $75,000 | $337,000 |
| Other Purpose | 155 | $8,575,000 | $55,000 | $285,000 | $83,000 | $563,000 |
| Not Applicable | 3 | $185,000 | $61,000 | $65,000 | $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 | 1,082 | $136,810,000 | $126,000 | $1,105,000 | $83,000 | $1,243,000 |
| Not Provided | 135 | $19,745,000 | $146,000 | $3,805,000 | $115,000 | $4,974,000 |
| Not applicable | 128 | $24,370,000 | $190,000 | $2,075,000 | $72,000 | $105,000 |
| Hispanic | 59 | $6,255,000 | $106,000 | $275,000 | $64,000 | $250,000 |
| Black or African American | 32 | $4,740,000 | $148,000 | $475,000 | $62,000 | $133,000 |
| American Indian or Alaskan Native | 6 | $760,000 | $126,000 | $275,000 | $40,000 | $56,000 |
| Asian | 3 | $355,000 | $118,000 | $185,000 | $81,000 | $114,000 |
| 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) | 1,047 | $130,805,000 | $124,000 | $3,805,000 | $90,000 | $4,974,000 |
| FHA-insured (Federal Housing Administration) | 262 | $36,920,000 | $140,000 | $475,000 | $63,000 | $505,000 |
| VA-guaranteed (Veterans Administration) | 100 | $20,610,000 | $206,000 | $515,000 | $84,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $4,700,000 | $130,000 | $235,000 | $60,000 | $103,000 |
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 | 810 | $117,640,000 | $145,000 | $3,805,000 | $91,000 | $4,974,000 |
| Application Denied By Financial Institution | 264 | $23,950,000 | $90,000 | $1,105,000 | $76,000 | $1,243,000 |
| Application Withdrawn By Applicant | 191 | $26,325,000 | $137,000 | $505,000 | $72,000 | $310,000 |
| Loan Purchased By The Institution | 105 | $17,355,000 | $165,000 | $515,000 | $68,000 | $150,000 |
| File Closed For Incompleteness | 44 | $4,280,000 | $97,000 | $465,000 | $73,000 | $216,000 |
| Application Approved But Not Accepted | 31 | $3,485,000 | $112,000 | $375,000 | $93,000 | $190,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,104 | $152,310,000 | $137,000 | $3,805,000 | $84,000 | $4,974,000 |
| Debt-To-Income Ratio | 137 | $23,525,000 | $171,000 | $2,075,000 | $96,000 | $1,243,000 |
| Credit History | 114 | $7,840,000 | $68,000 | $255,000 | $75,000 | $532,000 |
| Collateral | 38 | $3,760,000 | $98,000 | $235,000 | $84,000 | $505,000 |
| Credit Application Incomplete | 26 | $2,280,000 | $87,000 | $245,000 | $62,000 | $174,000 |
| Other | 12 | $1,510,000 | $125,000 | $225,000 | $102,000 | $209,000 |
| Unverifiable Information | 6 | $580,000 | $96,000 | $145,000 | $86,000 | $337,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $705,000 | $141,000 | $255,000 | $67,000 | $99,000 |
| Employment History | 3 | $525,000 | $175,000 | $395,000 | $54,000 | $100,000 |
| 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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