Wabash County, IN Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 1,665 mortgage applications in Wabash County, IN totaling $210.0 million, down 4% from 2020. The average application was for $126,000, and applicants reported an average income of $69,000. 66% of applications resulted in an originated loan and 12% were denied. The most active lender was Crossroads Bank, with 294 applications, followed by Beacon Credit Union and Ruoff Mortgage Company.

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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 1,665
Total Mortgage Loan Application Amount $210,025,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $895,000
Average Applicant Income $69,000
Highest Applicant Income $1,006,000

Mortgage Company List for Lending in Wabash 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
Crossroads Bank
1205 N CASS ST PO BOX 259
WABASH, IN 46992
* $ 419,028,000 294 $ 37,150,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,260,999,000 157 $ 19,105,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 148 $ 19,580,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,907,914,000 70 $ 6,960,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 12,430,349,000 60 $ 5,990,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 50 $ 6,040,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 48 $ 6,450,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 47 $ 4,925,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ 4,934,311,000 29 $ 2,215,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 29 $ 5,245,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 29 $ 4,845,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 25 $ 2,705,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 21 $ 2,855,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,348,046,000 21 $ 1,585,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 20 $ 3,250,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 14,434,311,000 18 $ 950,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 16 $ 1,880,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 16 $ 2,210,000
First Federal Savings Bank
648 NORTH JEFFERSON STREET
HUNTINGTON, IN 46750
* $ 353,875,000 14 $ 1,840,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 2,370,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 13 $ 825,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 13 $ 1,285,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 2,650,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 12 $ 1,440,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 12 $ 1,430,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 12 $ 1,830,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 437,320,000 11 $ 1,355,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 6,622,194,000 11 $ 1,195,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 1,208,245,000 11 $ 1,835,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 5,236,417,000 10 $ 1,030,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 10 $ 1,510,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 669,858,000 10 $ 730,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 9 $ 1,165,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 9 $ 1,055,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 9 $ 975,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 8 $ 1,260,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 500,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 2,089,468,000 8 $ 1,200,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 7 $ 615,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 7 $ 1,225,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 7 $ 695,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 10,624,748,000 7 $ 445,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 374,350,000 6 $ 780,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 810,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 6 $ 1,090,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 630,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 6 $ 680,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 6 $ 460,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 6 $ 650,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 1,055,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 5 $ 535,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 5 $ 915,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 675,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 855,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 900,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 4 $ 350,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 4 $ 760,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 330,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 4 $ 650,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 455,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,363,833,000 3 $ 615,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 3,946,120,000 3 $ 275,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 3 $ 395,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 3 $ 385,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 3 $ 125,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 3 $ 305,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 415,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 3 $ 435,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 3 $ 645,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 925,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 385,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 3 $ 485,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 3 $ 315,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 3 $ 285,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 290,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 270,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 330,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 170,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 2 $ 320,000
Solidarity Community Federal Credit Union
201 SOUTHWAY BLVD EAST
KOKOMO, IN 46902
* $ 284,038,000 2 $ 60,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 714,301,000 2 $ 140,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 2 $ 50,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ 463,083,000 2 $ 490,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 2 $ 190,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 2 $ 560,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 2 $ 340,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 320,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 280,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 180,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 150,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 120,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,079,626,000 2 $ 250,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 2 $ 250,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 660,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 540,000
Celebrity Home Loans, LLC
2001 SPRING RD SUITE 100
OAK BROOK, IL 60523
* $ -1,000 2 $ 280,000
American First Credit Union
6 POINTE DRIVE, STE 400
BREA, CA 92821
* $ 783,770,000 1 $ 145,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 135,000
North Salem State Bank
PO BOX 97
NORTH SALEM, IN 46165
* $ 385,306,000 1 $ 355,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 105,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 3,439,822,000 1 $ 145,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,489,730,000 1 $ 195,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 346,188,000 1 $ 25,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,097,505,000 1 $ 75,000
First Western Federal Savings Bank
P.O. BOX 1435
RAPID CITY, SD 57701
* $ 61,420,000 1 $ 35,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 1 $ 95,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,559,070,000 1 $ 75,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 145,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 95,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 545,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ -1,000 1 $ 105,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 15,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 1 $ 195,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 1 $ 95,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 6,167,493,000 1 $ 85,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 1 $ 75,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 17,757,753,000 1 $ 35,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ 1,029,694,000 1 $ 85,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 255,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 175,000
Mjw Financial LLC dba Mjw Mortgage
8465 KEYSTONE CROSSING #145
INDIANAPOLIS, IN 46240
* $ -1,000 1 $ 315,000
Nicolet National Bank
111 N WASHINGTON ST
GREEN BAY, WI 54301
* $ 3,570,443,000 1 $ 65,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 165,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ -1,000 1 $ 195,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 245,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ 237,809,000 1 $ 105,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 1 $ 215,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 95,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 1 $ 75,000
Finance of America Commercial LLC
6230 FAIRVIEW ROAD, SUITE 300
CHARLOTTE, NC 28210
* $ -1,000 1 $ 455,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 85,000
Citizens Tri County Bank
P.O. BOX, 15699
DUNLAP, TN 37327
* $ 927,615,000 1 $ 155,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 104,250,000 1 $ 205,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 125,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 155,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 115,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 125,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 65,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 65,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 5,091,929,000 1 $ 145,000
X - Financial Builders FCU - Deconverted
2828 S. LAFOUNTAIN ST
KOKOMO, IN 46904
* $ 107,946,000 1 $ 15,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 255,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 225,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 175,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 225,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,694,690,000 1 $ 595,000
Jackson County Bank
125 S CHESTNUT ST
SEYMOUR, IN 47274
* $ 589,584,000 1 $ 675,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 245,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 145,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 115,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 125,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 235,000
Lake Michigan Credit Union
PO BOX 2848
GRAND RAPIDS, MI 49501
* $ 6,863,398,000 1 $ 195,000
Blue Ridge Bank
P.O. BOX 609, 17 WEST MAIN ST
LURAY, VA 22835
* $ 959,563,000 1 $ 185,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 375,000

The tables below break down 2021 mortgage applications in Wabash 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 Wabash 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 642 $93,430,000 $145,000 $675,000 $63,000 $456,000
Refinancing 462 $59,290,000 $128,000 $895,000 $74,000 $701,000
Cash-out Refinancing 397 $46,255,000 $116,000 $505,000 $69,000 $475,000
Home Improvement 80 $5,920,000 $74,000 $305,000 $75,000 $243,000
Other Purpose 77 $4,505,000 $58,000 $205,000 $76,000 $1,006,000
Not Applicable 7 $625,000 $89,000 $145,000 $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 1,409 $174,055,000 $123,000 $895,000 $69,000 $1,006,000
Not Provided 111 $13,165,000 $118,000 $365,000 $63,000 $192,000
Not applicable 89 $14,995,000 $168,000 $675,000 $91,000 $130,000
Hispanic 22 $3,430,000 $155,000 $545,000 $63,000 $142,000
American Indian or Alaskan Native 11 $955,000 $86,000 $155,000 $44,000 $100,000
Black or African American 11 $1,495,000 $135,000 $245,000 $59,000 $115,000
Asian 9 $1,395,000 $155,000 $305,000 $75,000 $104,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $145,000 $145,000

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) 1,260 $154,400,000 $122,000 $895,000 $73,000 $1,006,000
FHA-insured (Federal Housing Administration) 226 $28,980,000 $128,000 $365,000 $50,000 $124,000
VA-guaranteed (Veterans Administration) 123 $18,975,000 $154,000 $345,000 $52,000 $206,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 56 $7,670,000 $136,000 $525,000 $48,000 $127,000

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 1,097 $143,515,000 $130,000 $675,000 $70,000 $406,000
Application Denied By Financial Institution 200 $18,620,000 $93,000 $895,000 $60,000 $1,006,000
Application Withdrawn By Applicant 160 $19,590,000 $122,000 $455,000 $66,000 $456,000
Loan Purchased By The Institution 83 $12,875,000 $155,000 $525,000 $51,000 $130,000
Application Approved But Not Accepted 70 $8,150,000 $116,000 $505,000 $78,000 $701,000
File Closed For Incompleteness 53 $6,875,000 $129,000 $545,000 $72,000 $488,000
Preapproval Approved but not Accepted 2 $400,000 $200,000 $235,000 $91,000 $120,000
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 1,463 $191,015,000 $130,000 $675,000 $70,000 $701,000
Credit History 71 $4,635,000 $65,000 $235,000 $68,000 $1,006,000
Collateral 48 $5,200,000 $108,000 $255,000 $56,000 $212,000
Debt-To-Income Ratio 47 $5,185,000 $110,000 $895,000 $42,000 $191,000
Other 14 $1,400,000 $100,000 $255,000 $68,000 $206,000
Credit Application Incomplete 11 $1,265,000 $115,000 $305,000 $101,000 $207,000
Employment History 6 $590,000 $98,000 $145,000 $31,000 $70,000
Unverifiable Information 4 $600,000 $150,000 $325,000 $62,000 $94,000
Insufficient Cash (Downpayment, Closing Cost) 1 $135,000 $135,000 $135,000 $71,000 $71,000
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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