Somerset County, ME Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,586 mortgage applications in Somerset County, ME totaling $175.4 million, down 12% from 2010. The average application was for $110,000, and applicants reported an average income of $64,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was Skowhegan Savings Bank, with 221 applications, followed by Bangor Savings Bank and Wells Fargo Bank NA.
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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 | 1,586 |
| Total Mortgage Loan Application Amount | $175,387,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $990,000 |
* 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 |
|---|---|---|---|---|
| Skowhegan Savings Bank 13 ELM ST SKOWHEGAN, ME 04976 |
* | $ 446,835,000 | 221 | $ 25,487,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 2,428,931,000 | 166 | $ 15,914,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 112 | $ 13,506,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 179,970,802,000 | 100 | $ 8,745,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 2,281,201,000 | 90 | $ 8,306,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 83 | $ 10,440,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 78 | $ 5,876,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 58 | $ 7,454,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 57 | $ 6,338,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 51 | $ 6,180,000 |
| Sebasticook Valley FCU PO BOX 10 PITTSFIELD, ME 04967 |
* | $ 62,657,000 | 50 | $ 3,249,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 24,650,366,000 | 48 | $ 4,773,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 27 | $ 4,876,000 |
| Cuso Mortgage Corporation 101 WESTERN AVENUE HAMPDEN, ME 04444 |
* | $ 10,000,000 | 26 | $ 2,389,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 18 | $ 2,626,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 17 | $ 2,107,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 857,397,000 | 17 | $ 1,805,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 13 | $ 1,374,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 13 | $ 1,787,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 13 | $ 1,524,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 12 | $ 1,237,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 12 | $ 2,014,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,368,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 10 | $ 1,171,000 |
| Reliant Mortgage Company, LLC 100 CUMMINGS CENTER SUITE 303 C BEVERLY, MA 01915 |
* | $ 10,000,000 | 10 | $ 1,373,000 |
| Northeast Bank 500 CANAL ST LEWISTON, ME 04240 |
* | $ 639,303,000 | 9 | $ 1,107,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 9 | $ 981,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 8 | $ 864,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 7 | $ 1,070,000 |
| Maine Savings Federal Credit Union PO BOX 347 HAMPDEN, ME 04444 |
* | $ 219,016,000 | 7 | $ 979,000 |
| Machias Savings Bank 4 CENTER STREET MACHIAS, ME 04654 |
* | $ 976,293,000 | 6 | $ 599,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 668,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 6 | $ 261,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 732,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 5 | $ 771,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 1,025,000 |
| Maine Highlands Federal Credit Union PO BOX 233 DEXTER, ME 04930 |
* | $ 78,114,000 | 5 | $ 343,000 |
| University Credit Union 15 MAIN STREET ORONO, ME 04473 |
* | $ 194,408,000 | 4 | $ 397,000 |
| Ancorum Credit Union 765 WASHINGTON STREET BATH, ME 04530 |
* | $ 184,008,000 | 4 | $ 271,000 |
| Bath Savings Institution 105 FRONT STREET BATH, ME 04530 |
* | $ 588,281,000 | 4 | $ 489,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 665,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 650,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 4 | $ 409,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 4 | $ 836,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 682,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 4 | $ 245,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 580,000 |
| Citifinancial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 232,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 3 | $ 457,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 76,586,967,000 | 3 | $ 345,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 3 | $ 504,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 3 | $ 404,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 381,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 166,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 466,000 |
| Katahdin Trust Company 11 MAIN STREET / PO BOX 450 PATTEN, ME 04765 |
* | $ 508,978,000 | 3 | $ 428,000 |
| Mechanics Savings Bank 100 MINOT AVENUE AUBURN, ME 04210 |
* | $ 303,886,000 | 3 | $ 184,000 |
| Norway Savings Bank 261 MAIN STREET, P.O. BOX 347 NORWAY, ME 04268 |
* | $ 948,018,000 | 3 | $ 249,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 3 | $ 44,000 |
| Evergreen Credit Union 225 RIVERSIDE STREET PORTLAND, ME 04103 |
* | $ 208,838,000 | 3 | $ 299,000 |
| Infinity Federal Credit Union 202 LARRABEE ROAD WESTBROOK, ME 04092 |
* | $ 238,568,000 | 3 | $ 185,000 |
| Border Trust Company 227 WATER STREET AUGUSTA, ME 04330 |
* | $ 54,379,000 | 3 | $ 194,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 3 | $ 592,000 |
| Sidus Financial, LLC 701 GREEN VALLEY ROAD, SUITE 101 GREENSBORO, NC 27408 |
* | $ 10,000,000 | 3 | $ 342,000 |
| Downeast Credit Union 23 THIRD AVE BAILEYVILLE, ME 04694 |
* | $ 84,714,000 | 2 | $ 197,000 |
| Gorham Savings Bank 10 WENTWORTH DRIVE GORHAM, ME 04038 |
* | $ 897,220,000 | 2 | $ 216,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 148,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 248,000 |
| Caliber Funding LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 212,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 204,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 2 | $ 304,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ 4,464,000 | 2 | $ 315,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 226,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 2 | $ 238,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 264,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,465,208,000 | 2 | $ 276,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 2 | $ 305,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 67,000 |
| Cit Bank, National Association 75 N. FAIR OAKS AVE. PASADENA, CA 91103 |
* | $ 26,432,928,000 | 1 | $ 168,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 1 | $ 132,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 166,000 |
| Leader Bank NA 141 MASSACHUSETTS AVENUE ARLINGTON, MA 02474 |
* | $ 365,735,000 | 1 | $ 325,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 457,501,000 | 1 | $ 140,000 |
| First Federal Svg Bank Boston 100 BRICKSTONE SQUARE ANDOVER, MA 01810 |
* | $ 114,535,000 | 1 | $ 96,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 173,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 75,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 156,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 33,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 119,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 228,000 |
| First National Bank of Pa 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 8,759,397,000 | 1 | $ 44,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 114,000 |
| Alpine Mortgage LLC 116 SOUTH RIVER ROAD BLDG E BEDFORD, NH 03110 |
* | $ 544,000 | 1 | $ 145,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 120,000 |
| Franklin First Financial, Ltd 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 188,000 |
| Radius Financial Group Inc 600 LONGWATER DRIVE SUITE 107 NORWELL, MA 02061 |
* | $ 3,236,218,000 | 1 | $ 54,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Sanford Institution for Savings 900 MAIN STREET SANFORD, ME 04073 |
* | $ 427,603,000 | 1 | $ 60,000 |
| Androscoggin Bank 30 LISBON STREET LEWISTON, ME 04243 |
* | $ 692,928,000 | 1 | $ 78,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 62,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 1 | $ 132,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,064,456,000 | 1 | $ 76,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 1 | $ 45,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 160,432,000 | 1 | $ 157,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 1,374,407,000 | 1 | $ 100,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 192,000 |
| First Citizens' Federal Credit Union 200 MILL RD, SUITE 100 FAIRHAVEN, MA 02719 |
* | $ 523,381,000 | 1 | $ 137,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 1,543,584,000 | 1 | $ 280,000 |
| Stifel Bank & Trust 501 N BROADWAY ST LOUIS, MO 63141 |
* | $ 1,778,147,000 | 1 | $ 90,000 |
| Coastway Community Bank ONE COASTWAY BLVD WARWICK, RI 02886 |
* | $ 309,331,000 | 1 | $ 95,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 112,000 |
| York County Federal Credit Union 1516 MAIN STREET SANFORD, ME 04073 |
* | $ 193,433,000 | 1 | $ 150,000 |
| Truchoice FCU 332 CUMMINGS RD SOUTH PORTLAND, ME 04106 |
* | $ 74,300,000 | 1 | $ 160,000 |
| Brewer Federal Credit Union 229 DIRIGO DR BREWER, ME 04412 |
* | $ 43,830,000 | 1 | $ 8,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 51,000 |
The tables below break down 2011 mortgage applications in Somerset County, ME by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Somerset County, ME in 2011
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 | 918 | $112,877,000 | $122,000 | $1,650,000 | $68,000 | $990,000 |
| Home Purchase | 489 | $55,082,000 | $112,000 | $408,000 | $64,000 | $719,000 |
| Home Improvement | 179 | $7,428,000 | $41,000 | $280,000 | $46,000 | $198,000 |
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 | 1,327 | $141,469,000 | $106,000 | $417,000 | $67,000 | $990,000 |
| Not Provided | 157 | $18,976,000 | $120,000 | $335,000 | $69,000 | $437,000 |
| Not applicable | 80 | $12,433,000 | $155,000 | $1,650,000 | $12,000 | $295,000 |
| Hispanic | 11 | $1,139,000 | $103,000 | $215,000 | $50,000 | $107,000 |
| American Indian or Alaskan Native | 4 | $306,000 | $76,000 | $130,000 | $53,000 | $89,000 |
| Asian | 3 | $437,000 | $145,000 | $210,000 | $125,000 | $321,000 |
| Black or African American | 2 | $214,000 | $107,000 | $141,000 | $25,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $413,000 | $206,000 | $298,000 | $113,000 | $191,000 |
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) | 1,132 | $119,871,000 | $105,000 | $1,650,000 | $73,000 | $990,000 |
| FHA-insured (Federal Housing Administration) | 259 | $32,376,000 | $125,000 | $274,000 | $43,000 | $161,000 |
| VA-guaranteed (Veterans Administration) | 98 | $13,229,000 | $134,000 | $258,000 | $43,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 97 | $9,911,000 | $102,000 | $175,000 | $39,000 | $78,000 |
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 | 796 | $86,167,000 | $108,000 | $813,000 | $71,000 | $719,000 |
| Application Denied By Financial Institution | 388 | $38,661,000 | $99,000 | $1,650,000 | $59,000 | $990,000 |
| Loan Purchased By The Institution | 168 | $22,302,000 | $132,000 | $333,000 | $41,000 | $311,000 |
| Application Withdrawn By Applicant | 134 | $15,011,000 | $112,000 | $274,000 | $56,000 | $200,000 |
| Application Approved But Not Accepted | 74 | $9,510,000 | $128,000 | $417,000 | $80,000 | $658,000 |
| File Closed For Incompleteness | 26 | $3,736,000 | $143,000 | $375,000 | $70,000 | $221,000 |
| 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 | 107 | $5,901,000 | $55,000 | $334,000 | $38,000 | $164,000 |
| Collateral | 75 | $9,261,000 | $123,000 | $395,000 | $88,000 | $990,000 |
| Debt-To-Income Ratio | 53 | $5,953,000 | $112,000 | $413,000 | $47,000 | $231,000 |
| Other | 21 | $2,180,000 | $103,000 | $260,000 | $70,000 | $204,000 |
| Credit Application Incomplete | 17 | $2,024,000 | $119,000 | $335,000 | $45,000 | $122,000 |
| Unverifiable Information | 14 | $926,000 | $66,000 | $150,000 | $79,000 | $441,000 |
| Employment History | 2 | $15,000 | $7,000 | $10,000 | $48,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $174,000 | $87,000 | $150,000 | $56,000 | $86,000 |
| 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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