Somerset County, ME Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,335 mortgage applications in Somerset County, ME totaling $133.1 million, down 17% from 2013. The average application was for $99,000, and applicants reported an average income of $60,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was Skowhegan Savings Bank, with 185 applications, followed by Bangor Savings Bank and The Camden 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 | 1,335 |
| Total Mortgage Loan Application Amount | $133,145,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $728,000 |
* 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 |
* | $ 497,194,000 | 185 | $ 18,553,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 3,022,776,000 | 123 | $ 9,573,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 2,577,201,000 | 98 | $ 7,955,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 64 | $ 7,079,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 217,626,166,000 | 55 | $ 4,175,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 53 | $ 5,771,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 48 | $ 3,833,000 |
| Sebasticook Valley FCU PO BOX 10 PITTSFIELD, ME 04967 |
* | $ 78,689,000 | 46 | $ 2,390,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 32,973,830,000 | 30 | $ 3,255,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 30 | $ 3,088,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 26 | $ 3,945,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 24 | $ 3,488,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 24 | $ 2,604,000 |
| Cuso Mortgage Corporation 101 WESTERN AVENUE HAMPDEN, ME 04444 |
* | $ 10,000,000 | 23 | $ 2,212,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 17 | $ 2,495,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 16 | $ 2,053,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 16 | $ 1,813,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 15 | $ 1,781,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 15 | $ 1,931,000 |
| The Bank of Maine 2 CANAL PLAZA PORTLAND, ME 04101 |
* | $ 744,628,000 | 15 | $ 1,818,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 2,024,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 14 | $ 1,741,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 13 | $ 1,465,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 13 | $ 1,429,000 |
| Northeast Bank 500 CANAL ST LEWISTON, ME 04240 |
* | $ 727,258,000 | 11 | $ 1,068,000 |
| Ancorum Credit Union 765 WASHINGTON STREET BATH, ME 04530 |
* | $ 211,222,000 | 11 | $ 1,139,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 10 | $ 1,392,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 10 | $ 1,073,000 |
| Merrimack Mortgage Company, in 1045 ELM STREET, SUITE 601 MANCHESTER, NH 03101 |
* | $ 10,000,000 | 9 | $ 1,896,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 8 | $ 636,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 8 | $ 956,000 |
| Mechanics Savings Bank 100 MINOT AVENUE AUBURN, ME 04210 |
* | $ 359,243,000 | 7 | $ 558,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 967,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 7 | $ 28,000 |
| Maine Highlands Federal Credit Union PO BOX 233 DEXTER, ME 04930 |
* | $ 92,276,000 | 7 | $ 608,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 6 | $ 474,000 |
| First National Bank P.O. BOX 940 DAMARISCOTTA, ME 04543 |
* | $ 1,430,810,000 | 6 | $ 223,000 |
| Machias Savings Bank 4 CENTER STREET MACHIAS, ME 04654 |
* | $ 1,043,424,000 | 6 | $ 778,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 443,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 5 | $ 506,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 512,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 5 | $ 427,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 5 | $ 435,000 |
| Priority Funding LLC 292 MAIN STREET, STE G1 NORTHBORO, MA 01532 |
* | $ 1,486,000 | 5 | $ 205,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 5 | $ 263,000 |
| Norway Savings Bank 261 MAIN STREET, P.O. BOX 347 NORWAY, ME 04268 |
* | $ 971,663,000 | 5 | $ 546,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 250,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 4 | $ 483,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 4 | $ 480,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 589,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 416,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 399,000 |
| Maine Savings Federal Credit Union PO BOX 347 HAMPDEN, ME 04444 |
* | $ 265,584,000 | 4 | $ 178,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 4 | $ 380,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 318,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 309,000 |
| Dirigo Federal Credit Union 391 MAIN STREET LEWISTON, ME 04243 |
* | $ 179,498,000 | 3 | $ 151,000 |
| University Credit Union 15 MAIN STREET ORONO, ME 04473 |
* | $ 233,670,000 | 3 | $ 170,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ 17,789,000 | 3 | $ 633,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 261,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 179,771,772,000 | 3 | $ 488,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 3 | $ 60,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 223,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,253,713,000 | 3 | $ 214,000 |
| Infinity Federal Credit Union 202 LARRABEE ROAD WESTBROOK, ME 04092 |
* | $ 266,511,000 | 3 | $ 148,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 3 | $ 264,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 3 | $ 482,000 |
| Androscoggin Bank 30 LISBON STREET LEWISTON, ME 04243 |
* | $ 769,015,000 | 3 | $ 235,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 338,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 321,000 |
| Lenderlive Network, LLC 710 S ASH GLENDALE, CO 80246 |
* | $ 17,900,000 | 2 | $ 178,000 |
| Maine Community Bank 1 INDIA ST PORTLAND, ME 04101 |
* | $ 355,072,000 | 2 | $ 478,000 |
| Katahdin Trust Company 11 MAIN STREET / PO BOX 450 PATTEN, ME 04765 |
* | $ 644,934,000 | 2 | $ 111,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 577,338,000 | 2 | $ 41,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 2 | $ 240,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 333,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 16,840,840,000 | 2 | $ 179,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 2 | $ 297,000 |
| Prospect Mortgage, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 247,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 134,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 109,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 2 | $ 186,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 411,000 |
| Cport Credit Union PO BOX 777 PORTLAND, ME 04103 |
* | $ 149,469,000 | 2 | $ 91,000 |
| York County Federal Credit Union 1516 MAIN STREET SANFORD, ME 04073 |
* | $ 200,972,000 | 1 | $ 269,000 |
| Truchoice FCU 332 CUMMINGS RD SOUTH PORTLAND, ME 04106 |
* | $ 88,944,000 | 1 | $ 102,000 |
| Lisbon Community FCU 325 LISBON ST LISBON, ME 04250-0878, ME 04250 |
* | $ 83,522,000 | 1 | $ 66,000 |
| Maine Family Federal Credit Union 555 SABATTUS STREET LEWISTON, ME 04240 |
* | $ 120,626,000 | 1 | $ 24,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 224,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 87,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 58,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,016,109,000 | 1 | $ 224,000 |
| Schaefer Mortgage Corporation 5 BUTTRICK ROAD LONDONDERRY, NH 03053 |
* | $ 17,252,000 | 1 | $ 170,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ 39,000,000 | 1 | $ 272,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 62,915,596,000 | 1 | $ 69,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 212,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 65,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 74,264,382,000 | 1 | $ 44,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 106,000 |
| Megastar Finanacial Corp 1080 CHEROKEE STREET DENVER, CO 80204 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Penobscot County 205 MAIN ST OLD TOWN, ME 04468 |
* | $ 50,680,000 | 1 | $ 80,000 |
| Max Credit Union 400 EASTDALE CIRCLE MONTGOMERY, AL 36117 |
* | $ 1,034,932,000 | 1 | $ 80,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 138,000 |
| Self Help Federal Credit Union 301 W MAIN STREET DURHAM, NC 27702 |
* | $ 558,432,000 | 1 | $ 134,000 |
| Town and Country Federal Credi 557 MAIN STREET P.O. BOX 9420 SOUTH PORTLAND, ME 04116 |
* | $ 249,488,000 | 1 | $ 93,000 |
| Gorham Savings Bank 10 WENTWORTH DRIVE GORHAM, ME 04038 |
* | $ 945,684,000 | 1 | $ 58,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 74,000 |
| Passumpsic Bank 25 MR ARTHUR DRIVE CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 1 | $ 72,000 |
| Salem Five Mortgage Company LLC 210 ESSEX STREET SALEM, MA 01970 |
* | $ 642,980,000 | 1 | $ 135,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 340,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 375,205,000 | 1 | $ 81,000 |
| UBS Ag, Tampa Branch 3000 BAYPORT TAMPA, FL 33607 |
* | $ 0 | 1 | $ 139,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 135,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 152,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 246,270,000 | 1 | $ 60,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ 10,498,000 | 1 | $ 36,000 |
| Evergreen Credit Union 225 RIVERSIDE STREET PORTLAND, ME 04103 |
* | $ 220,480,000 | 1 | $ 43,000 |
| Service Federal Credit Union 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 2,348,031,000 | 1 | $ 30,000 |
| Atlantic Federal Credit Union PO BOX 188 BRUNSWICK, ME 04011 |
* | $ 271,369,000 | 1 | $ 28,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 204,003,000 | 1 | $ 17,000 |
The tables below break down 2014 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 2014
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 | 583 | $60,947,000 | $104,000 | $461,000 | $59,000 | $597,000 |
| Refinancing | 570 | $64,171,000 | $112,000 | $555,000 | $60,000 | $728,000 |
| Home Improvement | 182 | $8,027,000 | $44,000 | $340,000 | $58,000 | $485,000 |
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 | 1,102 | $106,739,000 | $96,000 | $461,000 | $64,000 | $728,000 |
| Not applicable | 108 | $12,001,000 | $111,000 | $350,000 | $4,000 | $146,000 |
| Not Provided | 98 | $11,680,000 | $119,000 | $555,000 | $71,000 | $597,000 |
| Hispanic | 10 | $819,000 | $81,000 | $120,000 | $36,000 | $50,000 |
| American Indian or Alaskan Native | 8 | $775,000 | $96,000 | $166,000 | $43,000 | $78,000 |
| Asian | 6 | $801,000 | $133,000 | $209,000 | $49,000 | $158,000 |
| Black or African American | 3 | $330,000 | $110,000 | $156,000 | $124,000 | $305,000 |
| 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) | 876 | $79,166,000 | $90,000 | $555,000 | $70,000 | $728,000 |
| FHA-insured (Federal Housing Administration) | 167 | $17,823,000 | $106,000 | $245,000 | $39,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 156 | $22,857,000 | $146,000 | $461,000 | $52,000 | $292,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $13,299,000 | $97,000 | $192,000 | $28,000 | $69,000 |
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 | 642 | $60,598,000 | $94,000 | $405,000 | $67,000 | $597,000 |
| Application Denied By Financial Institution | 353 | $34,442,000 | $97,000 | $555,000 | $60,000 | $728,000 |
| Loan Purchased By The Institution | 149 | $16,254,000 | $109,000 | $350,000 | $17,000 | $146,000 |
| Application Withdrawn By Applicant | 101 | $11,409,000 | $112,000 | $450,000 | $65,000 | $450,000 |
| Application Approved But Not Accepted | 55 | $5,743,000 | $104,000 | $272,000 | $62,000 | $273,000 |
| File Closed For Incompleteness | 35 | $4,699,000 | $134,000 | $450,000 | $70,000 | $426,000 |
| 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 | 98 | $6,610,000 | $67,000 | $272,000 | $66,000 | $728,000 |
| Collateral | 49 | $6,495,000 | $132,000 | $461,000 | $80,000 | $391,000 |
| Debt-To-Income Ratio | 38 | $4,016,000 | $105,000 | $428,000 | $44,000 | $109,000 |
| Credit Application Incomplete | 19 | $2,019,000 | $106,000 | $340,000 | $63,000 | $229,000 |
| Other | 15 | $1,309,000 | $87,000 | $185,000 | $61,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $556,000 | $79,000 | $199,000 | $54,000 | $83,000 |
| Employment History | 4 | $376,000 | $94,000 | $177,000 | $48,000 | $97,000 |
| Unverifiable Information | 2 | $176,000 | $88,000 | $174,000 | $66,000 | $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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