Somerset County, ME Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 1,432 mortgage applications in Somerset County, ME totaling $152.8 million, up 7% from 2014. The average application was for $106,000, and applicants reported an average income of $59,000. 50% of applications resulted in an originated loan and 25% were denied. The most active lender was Skowhegan Savings Bank, with 196 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 | 1,432 |
| Total Mortgage Loan Application Amount | $152,754,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $1,566,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,060,000 |
* 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 |
* | $ 534,853,000 | 196 | $ 22,148,000 |
| Bangor Savings Bank 19 MAINE AVENUE BANGOR, ME 04401 |
* | $ 3,110,609,000 | 133 | $ 10,980,000 |
| The Camden National Bank 2 ELM STREET CAMDEN, ME 04843 |
* | $ 2,762,686,000 | 131 | $ 9,952,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 62 | $ 8,221,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 61 | $ 4,961,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 59 | $ 7,071,000 |
| TD Bank MOUNT LAUREL, NJ 08054 |
* | $ 230,280,000,000 | 55 | $ 5,270,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 44 | $ 6,012,000 |
| Sebasticook Valley FCU PO BOX 10 PITTSFIELD, ME 04967 |
* | $ 82,997,000 | 42 | $ 2,917,000 |
| People's United Bank 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 35,755,742,000 | 34 | $ 3,418,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 31 | $ 3,415,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 28 | $ 2,962,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 22 | $ 3,272,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 22 | $ 2,317,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 1,767,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 17 | $ 2,228,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 17 | $ 1,556,000 |
| Harborone Mortgage, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ 100,000,000 | 16 | $ 1,673,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 15 | $ 1,901,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 14 | $ 2,111,000 |
| Northeast Bank 500 CANAL ST LEWISTON, ME 04240 |
* | $ 806,585,000 | 14 | $ 1,892,000 |
| Cuso Mortgage Corporation 101 WESTERN AVENUE HAMPDEN, ME 04444 |
* | $ 10,000,000 | 13 | $ 1,049,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 840,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 13 | $ 1,433,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 11 | $ 1,515,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 11 | $ 1,159,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 11 | $ 1,347,000 |
| Ancorum Credit Union 765 WASHINGTON STREET BATH, ME 04530 |
* | $ 217,413,000 | 10 | $ 977,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 10 | $ 1,098,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 10 | $ 1,537,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 9 | $ 624,000 |
| University Credit Union 15 MAIN STREET ORONO, ME 04473 |
* | $ 255,486,000 | 9 | $ 1,056,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 8 | $ 1,024,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 7 | $ 800,000 |
| Maine Highlands Federal Credit Union PO BOX 233 DEXTER, ME 04930 |
* | $ 95,333,000 | 7 | $ 643,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 7 | $ 965,000 |
| First National Bank P.O. BOX 940 DAMARISCOTTA, ME 04543 |
* | $ 1,448,154,000 | 7 | $ 556,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 7 | $ 520,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 95,920,564,000 | 6 | $ 723,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 6 | $ 783,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 17,796,419,000 | 5 | $ 651,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 5 | $ 76,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 551,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 4 | $ 602,000 |
| Downeast Credit Union 23 THIRD AVE BAILEYVILLE, ME 04694 |
* | $ 128,699,000 | 4 | $ 331,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 4 | $ 483,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 4 | $ 631,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 468,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 4 | $ 619,000 |
| Norway Savings Bank 261 MAIN STREET, P.O. BOX 347 NORWAY, ME 04268 |
* | $ 994,239,000 | 4 | $ 515,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 4 | $ 396,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 423,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 559,000 |
| Dirigo Federal Credit Union 391 MAIN STREET LEWISTON, ME 04243 |
* | $ 182,146,000 | 3 | $ 79,000 |
| Maine Savings Federal Credit Union PO BOX 347 HAMPDEN, ME 04444 |
* | $ 303,145,000 | 3 | $ 1,098,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 3 | $ 436,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 3 | $ 300,000 |
| Gmh Mortgage Services LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 0 | 3 | $ 316,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 3 | $ 418,000 |
| Atlantic Federal Credit Union PO BOX 188 BRUNSWICK, ME 04011 |
* | $ 288,000,000 | 3 | $ 46,000 |
| Peopleschoice Credit Union 23 INDUSTRIAL PARK RD SACO, ME 04072 |
* | $ 154,041,000 | 3 | $ 340,000 |
| Machias Savings Bank 4 CENTER STREET MACHIAS, ME 04654 |
* | $ 1,112,734,000 | 3 | $ 523,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 3 | $ 404,000 |
| Mortgage Network, Inc. 99 CONIFER HILL DR DANVERS, MA 01923 |
* | $ 3,700,000 | 3 | $ 347,000 |
| Mortgage Equity Partners LLC 220 BROADWAY SUITE 205 LYNNFIELD, MA 01940 |
* | $ 10,000,000 | 2 | $ 222,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 89,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 305,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 231,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 2 | $ 237,000 |
| Infinity Federal Credit Union 202 LARRABEE ROAD WESTBROOK, ME 04092 |
* | $ 270,526,000 | 2 | $ 257,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 2 | $ 183,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 28,953,664,000 | 2 | $ 130,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 2 | $ 172,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 214,371,000 | 2 | $ 16,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 216,602,000 | 2 | $ 284,000 |
| Lighthouse Federal Credit Union 100 BORTHWICK AVE PORTSMOUTH, NH 03801 |
* | $ 1,022,353,000 | 2 | $ 103,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 2 | $ 233,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 2 | $ 368,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 1 | $ 122,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 238,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Guardhill Financial LLC 140 EAST 45TH STREET, 31ST FLOOR NEW YORK, NY 10017 |
* | $ 9,310,000 | 1 | $ 208,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 64,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 93,000 |
| Midcoast 186 LOWER MAIN STREET FREEPORT, ME 04032 |
* | $ 138,323,000 | 1 | $ 161,000 |
| Bangor Federal Credit Union 339 HOGAN ROAD BANGOR, ME 04401 |
* | $ 130,024,000 | 1 | $ 199,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Sage Bank 18 HURD STREET LOWELL, MA 01852 |
* | $ 195,227,000 | 1 | $ 76,000 |
| Brewer Federal Credit Union 229 DIRIGO DR BREWER, ME 04412 |
* | $ 47,566,000 | 1 | $ 2,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ 17,789,000 | 1 | $ 184,000 |
| Live Well Financial, Inc. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 60,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 276,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ 10,000,000 | 1 | $ 204,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 111,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ 11,886,522,000 | 1 | $ 73,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 111,278,000,000 | 1 | $ 466,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 308,000 |
| Santander Bank, N.A. 824 NORTH MARKET STREET, SUITE 100 WILMINGTON, DE 19801 |
* | $ 80,472,892,000 | 1 | $ 138,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 178,676,927,000 | 1 | $ 95,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 1 | $ 168,000 |
| Sanford Institution for Savings 900 MAIN STREET SANFORD, ME 04073 |
* | $ 453,143,000 | 1 | $ 170,000 |
| Mechanics Savings Bank 100 MINOT AVENUE AUBURN, ME 04210 |
* | $ 373,647,000 | 1 | $ 250,000 |
| Saco & Biddeford Savings Institution 50 INDUSTRIAL PARK ROAD SACO, ME 04072 |
* | $ 829,413,000 | 1 | $ 35,000 |
| Bath Savings Institution 105 FRONT STREET BATH, ME 04530 |
* | $ 765,362,000 | 1 | $ 89,000 |
| Androscoggin Bank 30 LISBON STREET LEWISTON, ME 04243 |
* | $ 807,822,000 | 1 | $ 55,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 157,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 29,000 |
| Hanscom Federal Credit Union 1610 EGLIN ST HANSCOM AFB, MA 01731 |
* | $ 1,083,953,000 | 1 | $ 183,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,967,941,000 | 1 | $ 75,000 |
| Greenwood Credit Union 2669 POST ROAD WARWICK, RI 02886 |
* | $ 411,216,000 | 1 | $ 27,000 |
| Pentucket Bank 1 MERRIMACK STREET HAVERHILL, MA 01830 |
* | $ 663,668,000 | 1 | $ 78,000 |
| Unibank for Savings 49 CHURCH STREET WHITINSVILLE, MA 01588 |
* | $ 1,458,470,000 | 1 | $ 36,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 46,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 41,000 |
| Trademark FCU 44 EDISON DRIVE AUGUSTA, ME 04330 |
* | $ 75,601,000 | 1 | $ 14,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 25,000 |
| Katahdin Trust Company 11 MAIN STREET / PO BOX 450 PATTEN, ME 04765 |
* | $ 666,408,000 | 1 | $ 144,000 |
| Kennebunk Savings Bank 104 MAIN STREET KENNEBUNK, ME 04043 |
* | $ 922,234,000 | 1 | $ 30,000 |
| Marketplace Home Mortgage, LLC 7380 FRANCE AVE S, STE 200 EDINA, MN 55435 |
* | $ 34,593,007,000 | 1 | $ 105,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 176,000 |
| Ne Moves Mortgage, LLC 52 SECOND AVENUE, 3RD FLOOR WALTHAM, MA 02451 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Farm Credit East Aca 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 1 | $ 174,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 933,532,000 | 1 | $ 275,000 |
| Community Credit Union 144 PINE STREET LEWISTON, ME 04240 |
* | $ 44,867,000 | 1 | $ 450,000 |
| Howard Bank 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 691,345,000 | 1 | $ 67,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 295,168,000 | 1 | $ 44,000 |
The tables below break down 2015 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 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 | 613 | $72,466,000 | $118,000 | $556,000 | $57,000 | $511,000 |
| Home Purchase | 611 | $73,030,000 | $119,000 | $1,566,000 | $61,000 | $1,060,000 |
| Home Improvement | 208 | $7,258,000 | $34,000 | $275,000 | $55,000 | $330,000 |
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 | 1,177 | $120,802,000 | $102,000 | $556,000 | $63,000 | $1,060,000 |
| Not applicable | 121 | $17,042,000 | $140,000 | $1,566,000 | $7,000 | $220,000 |
| Not Provided | 100 | $11,125,000 | $111,000 | $300,000 | $64,000 | $400,000 |
| American Indian or Alaskan Native | 12 | $1,310,000 | $109,000 | $210,000 | $56,000 | $120,000 |
| Hispanic | 9 | $1,018,000 | $113,000 | $366,000 | $66,000 | $208,000 |
| Asian | 7 | $778,000 | $111,000 | $200,000 | $69,000 | $167,000 |
| Black or African American | 4 | $484,000 | $121,000 | $133,000 | $64,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $195,000 | $97,000 | $98,000 | $19,000 | $39,000 |
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) | 930 | $92,364,000 | $99,000 | $960,000 | $70,000 | $1,060,000 |
| FHA-insured (Federal Housing Administration) | 202 | $23,843,000 | $118,000 | $1,566,000 | $40,000 | $420,000 |
| VA-guaranteed (Veterans Administration) | 169 | $24,053,000 | $142,000 | $410,000 | $41,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 131 | $12,494,000 | $95,000 | $173,000 | $28,000 | $67,000 |
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 | 717 | $76,630,000 | $106,000 | $960,000 | $68,000 | $1,060,000 |
| Application Denied By Financial Institution | 361 | $32,456,000 | $89,000 | $556,000 | $53,000 | $511,000 |
| Loan Purchased By The Institution | 147 | $17,161,000 | $116,000 | $410,000 | $18,000 | $220,000 |
| Application Withdrawn By Applicant | 131 | $15,836,000 | $120,000 | $900,000 | $66,000 | $400,000 |
| File Closed For Incompleteness | 41 | $6,266,000 | $152,000 | $1,566,000 | $53,000 | $228,000 |
| Application Approved But Not Accepted | 35 | $4,405,000 | $125,000 | $295,000 | $78,000 | $420,000 |
| 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 | 80 | $4,356,000 | $54,000 | $193,000 | $48,000 | $276,000 |
| Collateral | 46 | $6,665,000 | $144,000 | $556,000 | $92,000 | $511,000 |
| Debt-To-Income Ratio | 37 | $3,601,000 | $97,000 | $276,000 | $42,000 | $271,000 |
| Credit Application Incomplete | 17 | $1,688,000 | $99,000 | $163,000 | $65,000 | $171,000 |
| Other | 9 | $464,000 | $51,000 | $87,000 | $67,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $427,000 | $142,000 | $196,000 | $57,000 | $83,000 |
| Employment History | 2 | $102,000 | $51,000 | $58,000 | $48,000 | $51,000 |
| Unverifiable Information | 1 | $90,000 | $90,000 | $90,000 | $36,000 | $36,000 |
| 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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