Tuscola County, MI Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 2,216 mortgage applications in Tuscola County, MI totaling $196.0 million, up 30% from 2011. The average application was for $88,000, and applicants reported an average income of $55,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was Frankenmuth Credit Union, with 311 applications, followed by Chemical Bank and JPMorgan Chase Bank, NA.
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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 | 2,216 |
| Total Mortgage Loan Application Amount | $195,973,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $3,545,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $1,599,000 |
* 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 |
|---|---|---|---|---|
| Frankenmuth Credit Union 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 229,087,000 | 311 | $ 22,422,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,331,931,000 | 174 | $ 14,199,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 158 | $ 14,481,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,304,743,000 | 147 | $ 10,549,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 139 | $ 12,860,000 |
| Team One Credit Union 520 HAYDEN SAGINAW, MI 48607 |
* | $ 342,214,000 | 113 | $ 9,836,000 |
| Thumb National Bank and Trust Company 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 215,436,000 | 99 | $ 8,931,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 85 | $ 8,465,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 63 | $ 4,437,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 48 | $ 4,871,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 9,212,296,000 | 48 | $ 3,251,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 47 | $ 4,577,000 |
| Signature Bank 1 E HURON AVE BAD AXE, MI 48413 |
* | $ 232,574,000 | 42 | $ 4,115,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 37 | $ 4,477,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 32 | $ 2,759,000 |
| First Independence Bank 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 165,219,000 | 29 | $ 2,726,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 28 | $ 3,348,000 |
| Wanigas Credit Union 4026 SHATTUCK RD SAGINAW, MI 48603 |
* | $ 263,240,000 | 24 | $ 1,722,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 22 | $ 1,454,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 21 | $ 2,034,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 19 | $ 2,100,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 18 | $ 1,749,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 17 | $ 1,800,000 |
| Financial Plus Credit Union G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 379,917,000 | 17 | $ 678,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 14 | $ 1,207,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 14 | $ 1,193,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 14 | $ 1,302,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 293,814,000 | 13 | $ 1,698,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 13 | $ 87,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 13 | $ 1,181,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 1,382,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 11 | $ 982,000 |
| United Financial Credit Union 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 158,843,000 | 11 | $ 227,000 |
| Tri-County Bank 4222 MAIN STREET BROWN CITY, MI 48416 |
* | $ 205,317,000 | 10 | $ 1,219,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,562,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 10 | $ 976,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 10 | $ 1,069,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 9 | $ 788,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 8 | $ 783,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 652,375,000 | 7 | $ 339,000 |
| Security Credit Union 5255 SECURITY PARK BLVD HOLLY, MI 48442 |
* | $ 356,049,000 | 7 | $ 481,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 7 | $ 711,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 7 | $ 683,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 7 | $ 806,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 7 | $ 637,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 7 | $ 555,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 7 | $ 572,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 6 | $ 451,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 596,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 6 | $ 780,000 |
| Jolt Credit Union 6180 STATE STREET SAGINAW, MI 48603 |
* | $ 297,935,000 | 6 | $ 340,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,423,017,000 | 5 | $ 523,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 5 | $ 436,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 5 | $ 557,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 5 | $ 586,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 5 | $ 390,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 55,071,000 | 5 | $ 378,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 647,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 417,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 4 | $ 54,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,385,299,000 | 4 | $ 17,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 4 | $ 410,000 |
| Dow Credit Union 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,397,606,000 | 3 | $ 230,000 |
| Community Choice Credit Union 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 450,888,000 | 3 | $ 30,000 |
| Tri-Pointe Commuity C.U. 2343 E. HILL RD GRAND BLANC, MI 48439 |
* | $ 194,802,000 | 3 | $ 76,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 3 | $ 362,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 280,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 3 | $ 341,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 3 | $ 455,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 291,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 3 | $ 308,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 19,007,020,000 | 3 | $ 461,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 3 | $ 208,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,126,678,000 | 2 | $ 195,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 2 | $ 223,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 195,395,000 | 2 | $ 37,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 2 | $ 182,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Arbor Mortgage Corporation 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 2 | $ 274,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 243,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 37,000 |
| Lake Trust Credit Union 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,516,907,000 | 2 | $ 170,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ 76,016,000 | 2 | $ 233,000 |
| Lake Huron Credit Union 1540 TITTABAWASSEE RD SAGINAW, MI 48603 |
* | $ 49,857,000 | 2 | $ 287,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 283,544,000 | 2 | $ 229,000 |
| Texas Star Bank SSB 101 GASSAWAY LOTT, TX 76656 |
* | $ 75,989,000 | 2 | $ 202,000 |
| Copoco Community Credit Union 4265 E WILDER RD BAY CITY, MI 48706 |
* | $ 96,715,000 | 2 | $ 93,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 2 | $ 197,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 172,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Truhome Solutions, L.L.C. 9601 LEGLER RD LENEXA, KS 66219 |
* | $ 1,900,000,000 | 1 | $ 56,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 48,000 |
| Premier Home Mortgage, Inc. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 85,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 250,000 |
| United Bay Community CU 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 162,465,000 | 1 | $ 29,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 46,000 |
| Thrivent Financial Bank 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 546,918,000 | 1 | $ 156,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 72,848,000 | 1 | $ 196,000 |
| Guaranty Bank 501 W NORTHSHORE DR. SUITE 400 GLENDALE, WI 53217 |
* | $ 1,163,507,000 | 1 | $ 60,000 |
| Lakestone Bank & Trust 83 W NEPESSING ST LAPEER, MI 48446 |
* | $ 300,369,000 | 1 | $ 79,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 4,361,631,000 | 1 | $ 142,000 |
| Abd Federal Credit Union 27850 MOUND RD WARREN, MI 48092 |
* | $ 59,296,000 | 1 | $ 7,000 |
| Commercial Bank 301 N. STATE ST ALMA, MI 48801 |
* | $ 374,917,000 | 1 | $ 93,000 |
| The State Bank 175 N LEROY ST FENTON, MI 48430 |
* | $ 293,317,000 | 1 | $ 71,000 |
| United Bank of Michigan 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 457,989,000 | 1 | $ 3,545,000 |
| Elga Credit Union 2303 S. CENTER ROAD GRAND BLANC, MI 48439 |
* | $ 284,756,000 | 1 | $ 28,000 |
| T&I Credit Union 600 N MAIN ST CLAWSON, MI 48017 |
* | $ 69,757,000 | 1 | $ 15,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 128,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 62,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 1 | $ 35,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 97,264,044,000 | 1 | $ 52,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 180,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 56,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 142,947,000 | 1 | $ 179,000 |
| 1st State Bank PO BOX 1468 SAGINAW, MI 48605 |
* | $ 173,787,000 | 1 | $ 45,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 584,153,000 | 1 | $ 130,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 978,405,000 | 1 | $ 40,000 |
| Level One Bank 32991 HAMILTON COURT FARMINGTON HILLS, MI 48334 |
* | $ 463,033,000 | 1 | $ 129,000 |
| Grand Bank, National Association 2297 HWY 33 HAMILTON, NJ 08690 |
* | $ 341,507,000 | 1 | $ 107,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 235,866,000 | 1 | $ 13,000 |
| HSBC Bank USA, NA CHICAGO, IL 60606 |
* | $ 206,009,683,000 | 1 | $ 204,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 1 | $ 60,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 1 | $ 91,000 |
The tables below break down 2012 mortgage applications in Tuscola County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Tuscola County, MI in 2012
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 | 1,344 | $133,729,000 | $99,000 | $2,000,000 | $59,000 | $1,599,000 |
| Home Purchase | 625 | $53,362,000 | $85,000 | $3,545,000 | $48,000 | $1,233,000 |
| Home Improvement | 247 | $8,882,000 | $35,000 | $328,000 | $56,000 | $213,000 |
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 | 1,837 | $157,057,000 | $85,000 | $666,000 | $59,000 | $1,599,000 |
| Not applicable | 165 | $21,035,000 | $127,000 | $3,545,000 | $21,000 | $342,000 |
| Not Provided | 160 | $13,765,000 | $86,000 | $340,000 | $50,000 | $305,000 |
| Hispanic | 30 | $2,138,000 | $71,000 | $230,000 | $55,000 | $187,000 |
| American Indian or Alaskan Native | 11 | $818,000 | $74,000 | $116,000 | $53,000 | $96,000 |
| Black or African American | 7 | $810,000 | $115,000 | $247,000 | $68,000 | $120,000 |
| Asian | 6 | $350,000 | $58,000 | $90,000 | $102,000 | $213,000 |
| 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) | 1,631 | $145,572,000 | $89,000 | $3,545,000 | $64,000 | $1,599,000 |
| FHA-insured (Federal Housing Administration) | 321 | $28,411,000 | $88,000 | $258,000 | $25,000 | $197,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 212 | $16,452,000 | $77,000 | $250,000 | $32,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 52 | $5,538,000 | $106,000 | $230,000 | $49,000 | $178,000 |
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 | 1,195 | $107,053,000 | $89,000 | $3,545,000 | $64,000 | $1,599,000 |
| Application Denied By Financial Institution | 454 | $37,526,000 | $82,000 | $2,000,000 | $55,000 | $1,233,000 |
| Loan Purchased By The Institution | 279 | $26,021,000 | $93,000 | $292,000 | $27,000 | $342,000 |
| Application Withdrawn By Applicant | 152 | $13,476,000 | $88,000 | $250,000 | $48,000 | $197,000 |
| Application Approved But Not Accepted | 71 | $5,294,000 | $74,000 | $209,000 | $49,000 | $169,000 |
| File Closed For Incompleteness | 65 | $6,603,000 | $101,000 | $230,000 | $51,000 | $231,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 90 | $8,479,000 | $94,000 | $285,000 | $71,000 | $1,233,000 |
| Credit History | 90 | $6,102,000 | $67,000 | $192,000 | $45,000 | $211,000 |
| Debt-To-Income Ratio | 61 | $4,006,000 | $65,000 | $333,000 | $47,000 | $145,000 |
| Credit Application Incomplete | 33 | $2,866,000 | $86,000 | $160,000 | $70,000 | $240,000 |
| Other | 25 | $2,200,000 | $88,000 | $320,000 | $56,000 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,133,000 | $80,000 | $153,000 | $59,000 | $93,000 |
| Employment History | 4 | $306,000 | $76,000 | $106,000 | $22,000 | $44,000 |
| Unverifiable Information | 3 | $362,000 | $120,000 | $209,000 | $70,000 | $94,000 |
| Mortgage Insurance Denied | 1 | $106,000 | $106,000 | $106,000 | $37,000 | $37,000 |
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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