Shelby County, OH Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 1,616 mortgage applications in Shelby County, OH totaling $183.7 million, up 9% from 2014. The average application was for $113,000, and applicants reported an average income of $64,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was US Bank, N.A., with 275 applications, followed by JPMorgan Chase Bank, NA and Minster 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 1,616
Total Mortgage Loan Application Amount $183,682,000
Average Mortgage Loan Application Amount $113,000
Highest Mortgage Loan Application Amount $1,152,000
Average Applicant Income $64,000
Highest Applicant Income $4,342,000

Mortgage Company List for Lending in Shelby County, OH for 2015

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 275 $ 23,979,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 126 $ 13,786,000
Minster Bank
95 W FOURTH ST
MINSTER, OH 45865
* $ 393,852,000 78 $ 10,443,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 69 $ 7,606,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 136,279,317,000 67 $ 6,290,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,446,095,000 65 $ 9,003,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ 1,435,000 56 $ 6,212,000
Honda Federal Credit Union

MARYSVILLE, OH 43040
* $ 671,793,000 56 $ 4,769,000
Mutual Federal Savings Bank
121 S. OHIO AVE., P.O. BOX 4217
SIDNEY, OH 45365
* $ 115,354,000 46 $ 3,697,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 41 $ 5,057,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 37 $ 5,002,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 35 $ 8,670,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 33 $ 4,035,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 31 $ 2,032,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 29 $ 4,346,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 26 $ 2,556,000
Universal 1 Credit Union Inc.
P.O. BOX 467
DAYTON, OH 45409
* $ 379,037,000 22 $ 1,514,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 21 $ 2,976,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 18 $ 2,110,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 16 $ 1,831,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 2,989,777,000 14 $ 1,413,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,914,758,000 14 $ 1,651,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 13 $ 1,508,000
Citizens Home Loans of America
7601 PARAGON RD., SUITE 202
DAYTON, OH 45459
* $ 1,500,000 11 $ 1,302,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 66,111,039,000 11 $ 1,560,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,025,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 3,124,382,000 9 $ 563,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 388,136,000 9 $ 977,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 9 $ 1,030,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 8 $ 798,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 8 $ 1,240,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 8 $ 937,000
Mortgage 1 Incorporated
43456 MOUND ROAD
STERLING HEIGHTS, MI 48314
* $ 9,135,000 8 $ 914,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 7 $ 669,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 7 $ 743,000
Superior Federal Credit Union
4230 ELIDA RD
LIMA, OH 45807
* $ 491,985,000 7 $ 867,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 1,248,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 919,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 7 $ 1,038,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 245,515,000 6 $ 930,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 6 $ 564,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 6 $ 174,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 6 $ 959,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 725,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 5 $ 677,000
Liberty National Bank
100 EAST FRANKLIN STREET
KENTON, OH 43326
* $ 240,643,000 5 $ 716,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 5 $ 841,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 409,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 5 $ 589,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 5 $ 886,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 133,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 5 $ 481,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 4 $ 475,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 4 $ 441,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 4 $ 435,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ 1,603,436,000 4 $ 383,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 4 $ 359,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 2,163,319,000 3 $ 303,000
American Savings Bank, FSB
503 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 247,377,000 3 $ 228,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 3 $ 242,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 3 $ 291,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 3 $ 322,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 3 $ 297,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 3 $ 372,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 81,661,915,000 3 $ 97,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 3 $ 403,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 3 $ 178,000
Warsaw Federal Savings and Loan Association
3533 WARSAW AVE
CINCINNATI, OH 45205
* $ 66,709,000 3 $ 258,000
Benchmark Bank
461 BEECHER ROAD
GAHANNA, OH 43230
* $ 124,628,000 3 $ 428,000
The Covington Savings and Loan Association
PO BOX 188
COVINGTON, OH 45318
* $ 62,815,000 3 $ 805,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 3 $ 399,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 3 $ 373,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 593,777,000 3 $ 644,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 3 $ 770,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 3 $ 358,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 395,549,000 3 $ 451,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 422,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 2 $ 189,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 91,782,513,000 2 $ 46,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 284,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 289,000
First Independence Bank
7310 WOODWARD AVE SUITE 101
DETROIT, MI 48202
* $ 217,661,000 2 $ 330,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 2 $ 167,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 2 $ 281,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ 682,512,000 2 $ 1,267,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ 2,458,000 2 $ 325,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 10,000,000 2 $ 215,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 2 $ 66,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 2 $ 415,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 2 $ 354,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 648,745,000 2 $ 250,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 2 $ 217,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 1,096,436,000 2 $ 306,000
First Mrchs Bk
200 E. JACKSON ST
MUNCIE, IN 47305
* $ 279,420,000 2 $ 142,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 94,000
Home City Federal Savings Bank
2454 N. LIMESTONE ST.
SPRINGFIELD, OH 45503
* $ 151,566,000 1 $ 126,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 1 $ 152,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 106,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 100,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 132,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 1 $ 87,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 121,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,265,793,000 1 $ 113,000
Incenta
175 W. WENGER ROAD
ENGLEWOOD, OH 45322
* $ 81,624,000 1 $ 199,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 1 $ 150,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 148,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 149,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 1 $ 75,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 421,350,000 1 $ 417,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 129,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 230,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 148,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 95,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 173,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 747,510,000 1 $ 252,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 1 $ 91,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 45,000
Ohio Catholic Federal Credit Union
13623 ROCKSIDE RD.
GARFIELD HEIGHTS, OH 44125
* $ 153,356,000 1 $ 132,000
Petefish, Skiles, & Company Bank
102 W. BEARDSTOWN ST.
VIRGINIA, IL 62691
* $ 172,542,000 1 $ 228,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 161,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 158,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 17,796,419,000 1 $ 120,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 147,000
Justice Federal Credit Union
5175 PARKSTONE DRIVE, STE. 200
CHANTILLY, VA 20151
* $ 627,629,000 1 $ 2,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 1 $ 15,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 901,540,000 1 $ 140,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 7,197,993,000 1 $ 138,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 66,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ 40,394,000 1 $ 61,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 106,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 1 $ 55,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 117,000
New Carlisle Federal Savings Bank
400 N MAIN ST., P.O. BOX 245
NEW CARLISLE, OH 45344
* $ 83,576,000 1 $ 140,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 1 $ 258,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 2,562,890,000 1 $ 245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 293,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 5,045,286,000 1 $ 67,000
Aurgroup Financial Credit Union
8811 HOLDEN BLVD
FAIRFIELD, OH 45014
* $ 145,228,000 1 $ 90,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 84,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 197,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 129,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 110,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 2,062,881,000 1 $ 200,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 377,710,000 1 $ 185,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 691,345,000 1 $ 50,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 1 $ 242,000
National Asset Mortgage, LLC
4350 ST. ANDREWS RD.; SUITE F
COLUMBIA, SC 29210
* $ 3,392,190,000 1 $ 30,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,555,971,000 1 $ 167,000

The tables below break down 2015 mortgage applications in Shelby 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 Shelby County, OH in 2015

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
Refinancing 807 $94,511,000 $117,000 $952,000 $66,000 $660,000
Home Purchase 675 $82,313,000 $121,000 $1,152,000 $60,000 $4,342,000
Home Improvement 134 $6,858,000 $51,000 $349,000 $74,000 $972,000

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 1,306 $146,034,000 $111,000 $559,000 $65,000 $660,000
Not applicable 163 $19,917,000 $122,000 $1,152,000 $17,000 $420,000
Not Provided 101 $11,867,000 $117,000 $625,000 $128,000 $4,342,000
Hispanic 16 $1,763,000 $110,000 $253,000 $59,000 $125,000
American Indian or Alaskan Native 12 $2,454,000 $204,000 $952,000 $143,000 $346,000
Black or African American 7 $811,000 $115,000 $155,000 $30,000 $69,000
Native Hawaiian or Other Pacific Islander 6 $346,000 $57,000 $75,000 $38,000 $71,000
Asian 5 $490,000 $98,000 $136,000 $66,000 $105,000

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) 1,060 $119,907,000 $113,000 $1,152,000 $79,000 $4,342,000
FHA-insured (Federal Housing Administration) 315 $36,275,000 $115,000 $274,000 $36,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 149 $13,823,000 $92,000 $229,000 $23,000 $84,000
VA-guaranteed (Veterans Administration) 92 $13,677,000 $148,000 $413,000 $54,000 $286,000

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 867 $102,974,000 $118,000 $1,152,000 $76,000 $4,342,000
Application Denied By Financial Institution 330 $32,628,000 $98,000 $479,000 $62,000 $660,000
Loan Purchased By The Institution 195 $21,798,000 $111,000 $274,000 $18,000 $250,000
Application Withdrawn By Applicant 114 $14,267,000 $125,000 $519,000 $55,000 $183,000
File Closed For Incompleteness 60 $6,574,000 $109,000 $417,000 $60,000 $429,000
Application Approved But Not Accepted 50 $5,441,000 $108,000 $413,000 $67,000 $217,000
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
Credit History 100 $7,549,000 $75,000 $265,000 $63,000 $230,000
Collateral 50 $6,179,000 $123,000 $479,000 $84,000 $369,000
Debt-To-Income Ratio 47 $5,087,000 $108,000 $264,000 $51,000 $169,000
Credit Application Incomplete 18 $1,841,000 $102,000 $185,000 $48,000 $96,000
Other 18 $1,362,000 $75,000 $183,000 $60,000 $116,000
Unverifiable Information 8 $973,000 $121,000 $432,000 $43,000 $103,000
Insufficient Cash (Downpayment, Closing Cost) 5 $645,000 $129,000 $193,000 $42,000 $92,000
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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