Starke County, IN Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,626 mortgage applications in Starke County, IN totaling $220.8 million, up 13% from 2020. The average application was for $135,000, and applicants reported an average income of $72,000. 60% of applications resulted in an originated loan and 13% were denied. The most active lender was Ruoff Mortgage Company, with 129 applications, followed by First Farmers Bank & Trust and 1st Source 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 1,626
Total Mortgage Loan Application Amount $220,790,000
Average Mortgage Loan Application Amount $135,000
Highest Mortgage Loan Application Amount $3,505,000
Average Applicant Income $72,000
Highest Applicant Income $696,000

Mortgage Company List for Lending in Starke County, IN for 2021

* 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
* $ -1,000 129 $ 18,315,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,907,914,000 101 $ 10,405,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 6,622,194,000 100 $ 13,420,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 90 $ 7,070,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 437,320,000 83 $ 11,115,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,348,046,000 53 $ 5,695,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 38 $ 6,070,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 38 $ 5,300,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 35 $ 3,775,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 32 $ 3,950,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 32 $ 4,130,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 5,236,417,000 31 $ 3,515,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 30 $ 4,140,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 30 $ 5,060,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 30 $ 4,990,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 25 $ 4,215,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 22 $ 4,460,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 21 $ 2,585,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 20 $ 2,440,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 18 $ 1,820,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 17 $ 2,315,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 17 $ 3,015,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 16 $ 3,400,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 16 $ 2,950,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 16 $ 1,730,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 14 $ 1,410,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 14 $ 1,920,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 13 $ 2,455,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ 4,934,311,000 13 $ 1,515,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 13 $ 2,995,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 13 $ 2,095,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 13 $ 2,195,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 13 $ 1,615,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 12 $ 710,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 12 $ 1,790,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 11 $ 1,685,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 11 $ 1,765,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,260,999,000 10 $ 1,280,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 9 $ 1,305,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 8 $ 1,760,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 8 $ 1,570,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 8 $ 1,180,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 8 $ 790,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 7 $ 865,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 7 $ 985,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 7 $ 1,375,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,215,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 6 $ 700,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 6 $ 800,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,140,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 6 $ 590,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 5 $ 275,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 5 $ 405,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 5 $ 515,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 5 $ 895,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 755,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 5 $ 705,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 5 $ 795,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 5 $ 705,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 755,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 430,000
Interra Credit Union
300 W LINCOLN AVE
GOSHEN, IN 46527
* $ 1,205,497,000 4 $ 730,000
Direct Mortgage Loans, LLC
111011 MCCORMICK RD, SUITE 400
HUNT VALLEY, MD 21031
* $ -1,000 4 $ 570,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 740,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 630,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 570,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 4 $ 750,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 4 $ 530,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 720,844,000 4 $ 670,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 12,430,349,000 4 $ 390,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 530,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 335,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ -1,000 3 $ 265,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 3 $ 835,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 295,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 3 $ 585,000
Alliance Bank
101 W MONTGOMERY ST.
FRANCESVILLE, IN 47946
* $ 311,229,000 3 $ 335,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 3 $ 245,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 365,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 3 $ 695,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,877,075,000 3 $ 325,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 585,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 655,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ -1,000 3 $ 665,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 455,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 495,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 245,000
Inland Bank & Trust
1900 W STATE ST
GENEVA, IL 60134
* $ 1,123,482,000 3 $ 455,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 525,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 2 $ 270,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 2 $ 430,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 652,360,000 2 $ 90,000
Cibm Bank
19601 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53045
* $ 696,014,000 2 $ 150,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 2 $ 530,000
Regional FCU
7144 KENNEDY AVE
HAMMOND, IN 46323
* $ 138,403,000 2 $ 250,000
Demotte State Bank
PO BOX 400
DEMOTTE, IN 46310
* $ 446,309,000 2 $ 90,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 10,624,748,000 2 $ 760,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 707,275,000 2 $ 200,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 310,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 2 $ 240,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 100,000
Peoples Bank
9204 COLUMBIA AVE.
MUNSTER, IN 46321
* $ 1,326,463,000 2 $ 350,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 2 $ 280,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 270,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 330,000
Neighborhood Loans, Inc
1333 BUTTERFIELD RD SUITE 600
DOWNERS GROVE, IL 60515
* $ -1,000 2 $ 290,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 170,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 2 $ 290,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 1,090,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 2 $ 250,000
First Trust Credit Union
950 E US HWY 20
MICHIGAN CITY, IN 46360
* $ 120,638,000 2 $ 120,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 105,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,774,361,000 1 $ 45,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 1 $ 125,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 272,114,000 1 $ 215,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,489,730,000 1 $ 405,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 6,258,523,000 1 $ 145,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 115,000
Rf Renovo Management Company, LLC
222 W ADAMS ST #1980
CHICAGO, IL 60606
* $ -1,000 1 $ 175,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 115,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 215,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 175,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,363,833,000 1 $ 65,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 105,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 2,488,033,000 1 $ 215,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 125,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 791,565,000 1 $ 155,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,411,656,000 1 $ 105,000
Providence Bank & Trust
630 EAST 162ND ST
SOUTH HOLLAND, IL 60473
* $ 1,020,305,000 1 $ 115,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 65,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 305,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 215,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 95,000
The Fountain Trust Company
615 THIRD ST.
COVINGTON, IN 47932
* $ 406,921,000 1 $ 335,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 268,938,000 1 $ 285,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 155,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 1 $ 95,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 75,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 215,000
Indiana University CU
PO BOX 368
BLOOMINGTON, IN 47401
* $ 1,144,998,000 1 $ 55,000
Lake Mortgage Company Inc
4000 W. LINCOLN HIGHWAY
MERRILLVILLE, IN 46410
* $ -1,000 1 $ 65,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 155,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 75,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 1 $ 145,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ -1,000 1 $ 185,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 1 $ 105,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 32,343,129,000 1 $ 95,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 187,526,000 1 $ 305,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 145,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 1,208,245,000 1 $ 215,000
Angel Oak Home Loans LLC
3600 PEACHTREE ROAD NW, SUITE 500
ATLANTA, GA 30305
* $ -1,000 1 $ 155,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 1 $ 115,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 6,863,398,000 1 $ 115,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,503,779,000 1 $ 65,000
Credit Union 1
200 EAST CHAMPAIGN AVENUE
RANTOUL, IL 61866
* $ 958,632,000 1 $ 55,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 4,730,630,000 1 $ 45,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 292,682,000 1 $ 125,000

The tables below break down 2021 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 2021

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 589 $93,195,000 $158,000 $655,000 $70,000 $618,000
Refinancing 495 $64,105,000 $129,000 $3,505,000 $72,000 $415,000
Cash-out Refinancing 396 $52,930,000 $133,000 $545,000 $74,000 $307,000
Other Purpose 73 $5,395,000 $73,000 $365,000 $74,000 $696,000
Home Improvement 58 $3,650,000 $62,000 $195,000 $70,000 $199,000
Not Applicable 15 $1,515,000 $101,000 $235,000 $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 1,312 $168,280,000 $128,000 $615,000 $70,000 $696,000
Not Provided 138 $20,430,000 $148,000 $455,000 $82,000 $276,000
Not applicable 119 $22,705,000 $190,000 $3,505,000 $186,000 $186,000
Hispanic 42 $6,480,000 $154,000 $345,000 $84,000 $212,000
American Indian or Alaskan Native 6 $840,000 $140,000 $205,000 $60,000 $123,000
Black or African American 4 $720,000 $180,000 $375,000 $55,000 $65,000
Asian 2 $350,000 $175,000 $275,000 $65,000 $70,000
Native Hawaiian or Other Pacific Islander 2 $330,000 $165,000 $215,000 $85,000 $110,000

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) 1,148 $152,250,000 $132,000 $3,505,000 $76,000 $696,000
FHA-insured (Federal Housing Administration) 255 $34,905,000 $136,000 $365,000 $58,000 $618,000
VA-guaranteed (Veterans Administration) 120 $19,150,000 $159,000 $365,000 $67,000 $198,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 103 $14,485,000 $140,000 $275,000 $48,000 $88,000

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 969 $133,495,000 $137,000 $3,505,000 $73,000 $450,000
Application Denied By Financial Institution 213 $24,565,000 $115,000 $465,000 $62,000 $618,000
Application Withdrawn By Applicant 165 $23,755,000 $143,000 $545,000 $78,000 $696,000
Loan Purchased By The Institution 130 $21,800,000 $167,000 $615,000 $114,000 $450,000
File Closed For Incompleteness 93 $10,875,000 $116,000 $355,000 $71,000 $400,000
Application Approved But Not Accepted 56 $6,300,000 $112,000 $285,000 $63,000 $276,000
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 1,407 $195,785,000 $139,000 $3,505,000 $74,000 $696,000
Credit History 83 $8,875,000 $106,000 $335,000 $63,000 $165,000
Debt-To-Income Ratio 48 $5,540,000 $115,000 $465,000 $54,000 $168,000
Collateral 33 $3,635,000 $110,000 $235,000 $55,000 $115,000
Credit Application Incomplete 24 $3,380,000 $140,000 $365,000 $79,000 $618,000
Other 16 $1,840,000 $115,000 $345,000 $87,000 $274,000
Employment History 6 $760,000 $126,000 $175,000 $41,000 $111,000
Unverifiable Information 5 $525,000 $105,000 $115,000 $57,000 $80,000
Insufficient Cash (Downpayment, Closing Cost) 4 $450,000 $112,000 $145,000 $35,000 $56,000
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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