Starke County, IN Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 1,048 mortgage applications in Starke County, IN totaling $121.0 million, up 11% from 2018. The average application was for $115,000, and applicants reported an average income of $68,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Ruoff Mortgage Company, with 95 applications, followed by 1st Source Bank and First Federal Savings 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 1,048
Total Mortgage Loan Application Amount $120,990,000
Average Mortgage Loan Application Amount $115,000
Highest Mortgage Loan Application Amount $815,000
Average Applicant Income $68,000
Highest Applicant Income $584,000

Mortgage Company List for Lending in Starke County, IN for 2019

* 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
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 95 $ 11,815,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 6,289,875,000 87 $ 5,725,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 442,823,000 68 $ 9,180,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 137,976,503,000 35 $ 3,225,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 29 $ 3,205,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 29 $ 3,265,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 28 $ 2,930,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 27 $ 2,865,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 26 $ 2,730,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,171,994,000 25 $ 1,925,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 24 $ 2,930,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 21 $ 1,645,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,743,398,000 19 $ 2,275,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 4,241,335,000 19 $ 2,395,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 2,155,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 15 $ 1,925,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 15 $ 1,975,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 2,040,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 14 $ 1,630,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 13 $ 2,125,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 1,880,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 995,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,130,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 10 $ 1,620,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 10 $ 620,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 10 $ 990,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ 4,859,101,000 10 $ 1,010,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 9 $ 1,015,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,005,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 9 $ 1,385,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,223,748,000 8 $ 1,200,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 8 $ 650,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 8 $ 750,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 795,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 7 $ 685,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 6 $ 510,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 6 $ 1,060,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 6 $ 620,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 750,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 5 $ 535,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 5 $ 715,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 605,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 5 $ 545,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 5 $ 595,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 5 $ 925,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,791,677,000 5 $ 435,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 5 $ 605,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 15,430,682,000 4 $ 320,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 4 $ 570,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 4 $ 330,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 390,000
Demotte State Bank
PO BOX 400
DEMOTTE, IN 46310
* $ 417,499,000 4 $ 260,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 660,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 630,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 625,000
Tech Credit Union
10951 BROADWAY
CROWN POINT, IN 46307
* $ 359,479,000 3 $ 465,000
U S #1364 Federal Credit Union
8400 BROADWAY
MERRILLVILLE, IN 46410
* $ 131,248,000 3 $ 265,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 385,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 3 $ 385,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 325,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 485,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 3 $ 545,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 345,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 445,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 495,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 3 $ 355,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 9,873,896,000 3 $ 605,000
Parkside Lending, LLC
1130 HOWARD ST.
SAN FRANCISCO, CA 94103
* $ -1,000 3 $ 265,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 315,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 3 $ 445,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 3 $ 325,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 3 $ 655,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 628,258,000 2 $ 290,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,093,760,000 2 $ 360,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 2 $ 200,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 720,844,000 2 $ 430,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 2 $ 430,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 440,000
Bankunited, National Association
7815 NW 148TH STREET
MIAMI LAKES, FL 33016
* $ 32,077,582,000 2 $ 170,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 2 $ 240,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 220,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 380,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 2 $ 270,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 2 $ 290,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 2 $ 230,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 340,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 110,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 2 $ 190,000
Lake Mortgage Company Inc
4000 W. LINCOLN HIGHWAY
MERRILLVILLE, IN 46410
* $ -1,000 2 $ 200,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 2,044,013,000 2 $ 170,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 2 $ 230,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 260,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 2 $ 240,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 360,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 1 $ 85,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 215,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 45,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 1 $ 85,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ -1,000 1 $ 35,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 185,000
New Century Bank
1211 28TH ST
BELLEVILLE, KS 66935
* $ 55,863,000 1 $ 205,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,192,590,000 1 $ 25,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 95,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 36,070,000 1 $ 135,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 820,261,000 1 $ 145,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 3,502,273,000 1 $ 85,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 65,000
Regional FCU
7144 KENNEDY AVE
HAMMOND, IN 46323
* $ 130,011,000 1 $ 15,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,798,459,000 1 $ 85,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 145,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 75,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 135,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,416,759,000 1 $ 25,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 95,000
Alliance Bank
101 W MONTGOMERY ST.
FRANCESVILLE, IN 47946
* $ 304,258,000 1 $ 35,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 135,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 125,000
Advisors Mortgage Group, LLC
1411 HIGHWAY 35
OCEAN, NJ 07712
* $ -1,000 1 $ 45,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 265,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 215,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 365,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 65,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 115,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 85,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 285,000
First Trust Credit Union
950 E US HWY 20
MICHIGAN CITY, IN 46360
* $ 113,792,000 1 $ 75,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 225,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 695,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 85,222,000 1 $ 65,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 155,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 295,000
Healthcare Associates Credit Union
1151 E WARRENVILLE RD
NAPERVILLE, IL 60563
* $ 351,229,000 1 $ 65,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 1 $ 45,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 95,000
C.U. Financial, Inc.
16530 106TH COURT
ORLAND PARK, IL 60467
* $ -1,000 1 $ 145,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ 392,255,000 1 $ 85,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 95,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 1 $ 85,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 105,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 13,914,274,000 1 $ 5,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 35,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 1 $ 195,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 115,000
United Home Loans, Inc.
1023 BURLINGTON AVE
WESTERN SPRINGS, IL 60558
* $ -1,000 1 $ 265,000

The tables below break down 2019 mortgage applications in Starke 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 Starke County, IN in 2019

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 503 $65,785,000 $130,000 $815,000 $70,000 $584,000
Refinancing 205 $24,155,000 $117,000 $695,000 $73,000 $550,000
Cash-out Refinancing 195 $21,815,000 $111,000 $505,000 $63,000 $302,000
Home Improvement 66 $3,390,000 $51,000 $265,000 $60,000 $173,000
Other Purpose 62 $4,450,000 $71,000 $405,000 $67,000 $147,000
Not Applicable 17 $1,395,000 $82,000 $185,000 $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 814 $92,730,000 $113,000 $815,000 $68,000 $584,000
Not applicable 115 $12,735,000 $110,000 $285,000 $55,000 $175,000
Not Provided 86 $10,920,000 $126,000 $385,000 $71,000 $347,000
Hispanic 24 $3,380,000 $140,000 $285,000 $85,000 $399,000
American Indian or Alaskan Native 5 $665,000 $133,000 $205,000 $75,000 $152,000
Black or African American 3 $535,000 $178,000 $185,000 $50,000 $64,000
Asian 0 $0 $0 $0 $0 $0
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) 635 $71,205,000 $112,000 $815,000 $78,000 $584,000
FHA-insured (Federal Housing Administration) 233 $26,985,000 $115,000 $295,000 $50,000 $134,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 98 $10,380,000 $105,000 $225,000 $43,000 $70,000
VA-guaranteed (Veterans Administration) 82 $12,420,000 $151,000 $695,000 $57,000 $210,000

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 566 $67,440,000 $119,000 $815,000 $74,000 $584,000
Application Denied By Financial Institution 159 $15,665,000 $98,000 $505,000 $55,000 $225,000
Loan Purchased By The Institution 135 $16,345,000 $121,000 $365,000 $65,000 $319,000
Application Withdrawn By Applicant 119 $13,795,000 $115,000 $275,000 $63,000 $258,000
File Closed For Incompleteness 39 $4,195,000 $107,000 $325,000 $61,000 $239,000
Application Approved But Not Accepted 30 $3,550,000 $118,000 $295,000 $69,000 $224,000
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
Not applicable 862 $102,300,000 $118,000 $815,000 $71,000 $584,000
Debt-To-Income Ratio 64 $7,760,000 $121,000 $505,000 $50,000 $175,000
Credit History 61 $4,515,000 $74,000 $235,000 $51,000 $137,000
Collateral 33 $3,665,000 $111,000 $465,000 $61,000 $173,000
Credit Application Incomplete 9 $895,000 $99,000 $175,000 $74,000 $165,000
Unverifiable Information 9 $615,000 $68,000 $155,000 $91,000 $225,000
Other 7 $835,000 $119,000 $235,000 $48,000 $88,000
Employment History 2 $260,000 $130,000 $145,000 $28,000 $48,000
Insufficient Cash (Downpayment, Closing Cost) 1 $145,000 $145,000 $145,000 $81,000 $81,000
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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