Spencer County, IN Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 722 mortgage applications in Spencer County, IN totaling $105.6 million, down 28% from 2021. The average application was for $146,000, and applicants reported an average income of $75,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was German American Bank, with 69 applications, followed by Old National Bank and Fifth Third Bank, National Association.
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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 | 722 |
| Total Mortgage Loan Application Amount | $105,560,000 |
| Average Mortgage Loan Application Amount | $146,000 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $306,000 |
* 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 |
|---|---|---|---|---|
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 69 | $ 6,835,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 50 | $ 5,980,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 47 | $ 4,955,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 38 | $ 5,790,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 30 | $ 4,480,000 |
| Hoosier Hills Credit Union 630 LINCOLN AVE BEDFORD, IN 47421 |
* | $ 808,987,000 | 24 | $ 2,330,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 23 | $ 3,835,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 929,352,000 | 21 | $ 2,915,000 |
| Mortgage Masters of Indiana Inc 501 N CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ -1,000 | 20 | $ 3,710,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 16 | $ 2,370,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 16 | $ 2,790,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 15 | $ 1,905,000 |
| Lnb Community Bank 215 MAIN STREET LYNNVILLE, IN 47619 |
* | $ 156,368,000 | 14 | $ 3,250,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 11 | $ 1,145,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 10 | $ 1,280,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 10 | $ 2,370,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 9 | $ 1,385,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 9 | $ 695,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 9 | $ 1,635,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 9 | $ 1,385,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 8 | $ 1,330,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 8 | $ 1,680,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 8 | $ 1,270,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 8 | $ 1,240,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 805,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 985,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 1,240,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 6 | $ 1,230,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 6 | $ 1,040,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 325,000 |
| Boonville Federal Savings Bank 123 N. THIRD STREET BOONVILLE, IN 47601 |
* | $ 62,815,000 | 5 | $ 1,045,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 3,237,305,000 | 5 | $ 695,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 1,435,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 5 | $ 665,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 1,005,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 805,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 510,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 4 | $ 1,010,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 4 | $ 410,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 760,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 670,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 3 | $ 585,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 3 | $ 525,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 415,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 3 | $ 95,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 3 | $ 405,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 3 | $ 535,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 3 | $ 555,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 3 | $ 595,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 445,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 3 | $ 575,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 3 | $ 205,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 295,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 3 | $ 415,000 |
| Field & Main Bank 140 N. MAIN ST. HENDERSON, KY 42420 |
* | $ 588,403,000 | 2 | $ 360,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 2 | $ 550,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 290,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 120,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 140,000 |
| First Harrison Bank 220 FEDERAL DR NW CORYDON, IN 47112 |
* | $ 1,151,118,000 | 2 | $ 360,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 2 | $ 140,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 220,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 200,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 2 | $ 400,000 |
| The First National Bank of Carmi 201 E MAIN STREET, P.O. BOX 70 CARMI, IL 62821 |
* | $ 629,484,000 | 2 | $ 610,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 2 | $ 590,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 2 | $ 310,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 260,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 70,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 290,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 2,522,046,000 | 2 | $ 540,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ -1,000 | 1 | $ 205,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 125,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 85,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 265,000 |
| Amres Corporation 1 NESHAMINY INTERPLEX, SUITE 310 TREVOSE, PA 19053 |
* | $ -1,000 | 1 | $ 75,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 420,502,000,000 | 1 | $ 205,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 125,000 |
| First Federal Savings Bank P.O. BOX 527 ROCHESTER, IN 46975 |
* | $ 522,853,000 | 1 | $ 235,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 105,000 |
| Capstar Bank 1201 DEMONBREUN ST #700 NASHVILLE, TN 37203 |
* | $ 3,129,211,000 | 1 | $ 335,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 165,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 105,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 1,189,715,000 | 1 | $ 45,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 1 | $ 135,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 125,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 55,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 95,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 35,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 255,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 165,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 601,635,000 | 1 | $ 285,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 195,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 65,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 1 | $ 425,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 183,977,708,000 | 1 | $ 385,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 205,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 395,000 |
| Crane Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 923,193,000 | 1 | $ 65,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 345,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 1 | $ 125,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 6,088,183,000 | 1 | $ 165,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 1 | $ 35,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 24,685,744,000 | 1 | $ 185,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 1 | $ 165,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 135,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 75,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 145,000 |
| First Federal Savings Bank PO BOX 1111 EVANSVILLE, IN 47706 |
* | $ 482,575,000 | 1 | $ 235,000 |
| On Q Financial, LLC 4800 SCOTTSDALE RD SUITE 5500 SCOTTSDALE, AZ 85260 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 455,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 305,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 2,429,620,000 | 1 | $ 65,000 |
| Peoples Trust and Savings Bank 132 S 3RD ST BOONVILLE, IN 47601 |
* | $ 237,632,000 | 1 | $ 125,000 |
| City Bank 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,899,486,000 | 1 | $ 155,000 |
The tables below break down 2022 mortgage applications in Spencer County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Spencer County, IN in 2022
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 | 374 | $63,990,000 | $171,000 | $785,000 | $74,000 | $259,000 |
| Cash-out Refinancing | 157 | $22,965,000 | $146,000 | $525,000 | $74,000 | $226,000 |
| Refinancing | 97 | $12,575,000 | $129,000 | $465,000 | $73,000 | $286,000 |
| Home Improvement | 47 | $3,065,000 | $65,000 | $275,000 | $84,000 | $240,000 |
| Other Purpose | 44 | $2,780,000 | $63,000 | $255,000 | $80,000 | $306,000 |
| Not Applicable | 3 | $185,000 | $61,000 | $125,000 | $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 | 567 | $81,245,000 | $143,000 | $785,000 | $77,000 | $306,000 |
| Not applicable | 88 | $13,990,000 | $158,000 | $335,000 | $56,000 | $106,000 |
| Not Provided | 47 | $7,365,000 | $156,000 | $505,000 | $57,000 | $158,000 |
| Black or African American | 6 | $1,060,000 | $176,000 | $295,000 | $86,000 | $159,000 |
| Hispanic | 6 | $990,000 | $165,000 | $275,000 | $52,000 | $83,000 |
| American Indian or Alaskan Native | 3 | $385,000 | $128,000 | $155,000 | $60,000 | $79,000 |
| Asian | 2 | $260,000 | $130,000 | $205,000 | $67,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $70,000 | $35,000 | $35,000 | $38,000 | $38,000 |
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) | 471 | $64,445,000 | $136,000 | $785,000 | $80,000 | $306,000 |
| FHA-insured (Federal Housing Administration) | 132 | $19,500,000 | $147,000 | $385,000 | $57,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 68 | $10,220,000 | $150,000 | $375,000 | $53,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 51 | $11,395,000 | $223,000 | $455,000 | $81,000 | $206,000 |
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 | 399 | $58,125,000 | $145,000 | $785,000 | $80,000 | $306,000 |
| Application Denied By Financial Institution | 110 | $13,750,000 | $125,000 | $525,000 | $63,000 | $240,000 |
| Loan Purchased By The Institution | 94 | $15,090,000 | $160,000 | $335,000 | $77,000 | $226,000 |
| Application Withdrawn By Applicant | 67 | $10,555,000 | $157,000 | $505,000 | $71,000 | $286,000 |
| File Closed For Incompleteness | 30 | $4,070,000 | $135,000 | $395,000 | $66,000 | $222,000 |
| Application Approved But Not Accepted | 21 | $3,745,000 | $178,000 | $465,000 | $76,000 | $243,000 |
| Preapproval Denied by Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 595 | $88,105,000 | $148,000 | $785,000 | $76,000 | $306,000 |
| Debt-To-Income Ratio | 45 | $7,885,000 | $175,000 | $525,000 | $76,000 | $259,000 |
| Credit History | 31 | $3,195,000 | $103,000 | $265,000 | $62,000 | $119,000 |
| Other | 17 | $1,935,000 | $113,000 | $385,000 | $73,000 | $120,000 |
| Collateral | 15 | $2,005,000 | $133,000 | $305,000 | $73,000 | $240,000 |
| Credit Application Incomplete | 11 | $1,145,000 | $104,000 | $155,000 | $62,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $775,000 | $155,000 | $395,000 | $69,000 | $122,000 |
| Unverifiable Information | 2 | $370,000 | $185,000 | $245,000 | $91,000 | $91,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $46,000 | $46,000 |
| 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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