Washington County, OH Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 2,353 mortgage applications in Washington County, OH totaling $256.5 million, up 18% from 2011. The average application was for $109,000, and applicants reported an average income of $70,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was Peoples Bank, National Associa, with 551 applications, followed by JPMorgan Chase Bank, NA and Advantage Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 2,353
Total Mortgage Loan Application Amount $256,525,000
Average Mortgage Loan Application Amount $109,000
Highest Mortgage Loan Application Amount $1,690,000
Average Applicant Income $70,000
Highest Applicant Income $5,789,000

Mortgage Company List for Lending in Washington County, OH for 2012

* 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
Peoples Bank, National Associa
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 1,788,701,000 551 $ 61,505,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 228 $ 26,118,000
Advantage Bank
814 WHEELING AVE
CAMBRIDGE, OH 43725
* $ 765,926,000 209 $ 22,353,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 190 $ 22,385,000
Settlers Bank
115 THIRD STREET
MARIETTA, OH 45750
* $ 111,418,000 73 $ 8,523,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 63 $ 7,457,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 5,520,183,000 57 $ 6,474,000
The Peoples Savings Bank
P. O. BOX 246
NEW MATAMORAS, OH 45767
* $ 49,776,000 57 $ 3,734,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 56 $ 3,493,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 54,183,383,000 50 $ 5,137,000
The Citizens Bank Company
501 FIFTH ST., P.O. BOX 128
BEVERLY, OH 45715
* $ 94,356,000 47 $ 3,662,000
Belpre Savings Bank
POB 39
BELPRE, OH 45714
* $ 46,666,000 46 $ 3,966,000
Williamstown Bank, Inc.
435 HIGHLAND AVE.,
WILLIAMSTOWN, WV 26187
* $ 133,082,000 41 $ 4,547,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 41 $ 4,332,000
The Waterford Cmrl & Svg Bank
PO BOX 65
WATERFORD, OH 45786
* $ 44,563,000 36 $ 3,216,000
The Bartlett Farmers Bank
PO BOX 57, STATE ROUTE 339
BARLOW, OH 45712
* $ 66,313,000 29 $ 1,422,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 29 $ 2,508,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 234,476,000 25 $ 2,363,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 23 $ 2,123,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,625,405,000 19 $ 2,928,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 18 $ 2,225,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 18 $ 1,765,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 283,544,000 17 $ 2,332,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 15 $ 2,616,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 15 $ 1,814,000
West Virginia Central CU
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 93,202,000 14 $ 1,032,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 13 $ 1,938,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 12 $ 1,199,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 12 $ 2,136,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 11 $ 1,672,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 11 $ 1,431,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 11 $ 1,555,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 10 $ 1,318,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 10 $ 1,251,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 10 $ 1,296,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 10 $ 954,000
Union Bank, Inc.
P.O. BOX 810
HUNDRED, WV 26149
* $ 184,111,000 9 $ 956,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 7 $ 841,000
Ohio Valley Community Credit Union
52775 BOSTON HILL ROAD
CLARINGTON, OH 43915
* $ 104,325,000 7 $ 449,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 7 $ 803,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 6 $ 760,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 6 $ 834,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 5 $ 560,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 853,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 5 $ 331,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 4 $ 310,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 437,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 4 $ 715,000
Riverview Credit Union Inc
403 MAIN STREET
BELPRE, OH 45714
* $ 48,279,000 4 $ 139,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,033,894,000 4 $ 545,000
Customers Bank
99 BRIDGE STREET
PHOENIXVILLE, PA 19460
* $ 2,077,532,000 4 $ 109,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 4 $ 353,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 4 $ 361,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 3 $ 24,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 3 $ 301,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 3 $ 167,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 565,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 417,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 3 $ 428,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 14,420,570,000 3 $ 245,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 212,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 11,018,418,000 3 $ 295,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 3 $ 289,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 3 $ 45,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 3 $ 375,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 344,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 183,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 2 $ 25,000
Union Capital Mortgage Corp
7676 REYNOLDS ROAD
MENTOR, OH 44060
* $ 10,000,000 2 $ 195,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 2 $ 177,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 300,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 2 $ 296,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 2 $ 223,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 599,000
First Neighborhood Bank
216 MARKET STREET
SPENCER, WV 25276
* $ 139,967,000 2 $ 282,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 274,611,000 2 $ 249,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 694,137,000 2 $ 291,000
Pleasants County Bank
P O BOX 240
ST MARYS, WV 26170
* $ 58,419,000 2 $ 117,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 2 $ 418,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 2 $ 130,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 93,000
Clearpoint Funding, Inc.
4 TECHNOLOGY DRIVE, SUITE 200
WESTBOROUGH, MA 01581
* $ 10,000,000 1 $ 167,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 59,366,000 1 $ 40,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 119,000
Provident Funding Group Inc
851 TRAEGER AVENUE, SUITE 100
SAN BRUNO, CA 94066
* $ 2,200,000,000 1 $ 177,000
Franklin First Financial, Ltd
538 BROADHOLLOW ROAD
MELVILLE, NY 11747
* $ 36,249,000 1 $ 114,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 1 $ 80,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ 2,461,748,000 1 $ 63,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 302,712,000 1 $ 136,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 1 $ 132,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 1,741,434,000 1 $ 140,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 1 $ 24,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 663,477,000 1 $ 282,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 198,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 147,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 135,000
Mvb Bank, Inc.
113 PLATINUM DRIVE SUITE H
BRIDGEPORT, WV 26330
* $ 533,105,000 1 $ 143,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 142,947,000 1 $ 114,000
The First Bexley Bank
2680 E MAIN STREET
BEXLEY, OH 43209
* $ 186,111,000 1 $ 150,000
Firstmerit Mortgage Corp
4455 HILLS AND DALES RD. NW - MTG80
CANTON, OH 44708
* $ 6,000,000,000 1 $ 184,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,281,747,000 1 $ 175,000
First National Bank
112 W MARKET STREET
ORRVILLE, OH 44646
* $ 403,382,000 1 $ 282,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,753,165,000 1 $ 197,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,488,863,000 1 $ 282,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 648,887,000 1 $ 73,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 4,479,945,000 1 $ 10,000
Guaranty Bank
501 W NORTHSHORE DR. SUITE 400
GLENDALE, WI 53217
* $ 1,163,507,000 1 $ 112,000
Ameriprise Bank, FSB
707 2ND AVENUE SOUTH
MINNEAPOLIS, MN 55474
* $ 5,152,186,000 1 $ 139,000
Aurora Bank FSB
10350 PARK MEADOWS DRIVE
LONE TREE, CO 80124
* $ 4,140,785,000 1 $ 100,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 921,138,000 1 $ 232,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 126,000
The Ohio Valley Bank Company
420 THIRD AVENUE
GALLIPOLIS, OH 45631
* $ 793,399,000 1 $ 68,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 601,825,000 1 $ 156,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 118,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 81,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 168,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 1 $ 100,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 1 $ 116,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 166,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 1 $ 75,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 105,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 108,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 1 $ 198,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 104,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 159,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 177,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 102,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 143,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 93,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 297,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 139,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 123,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 85,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 106,940,591,000 1 $ 147,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 83,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 57,000
Ing Bank, FSB / Capital One
11130 INDUSTRIPLEX BLVD
BATON ROUGE, LA 70809
* $ 92,212,498,000 1 $ 85,000
Farmers National Bank
1 SOUTH MAIN STREET
NILES, OH 44446
* $ 1,055,815,000 1 $ 7,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 1 $ 22,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 1 $ 49,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 12,019,539,000 1 $ 107,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ 10,000,000 1 $ 114,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 21,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 117,000

The tables below break down 2012 mortgage applications in Washington County, OH by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Washington County, OH 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 1,454 $166,266,000 $114,000 $1,071,000 $74,000 $5,789,000
Home Purchase 760 $80,936,000 $106,000 $459,000 $63,000 $1,650,000
Home Improvement 139 $9,323,000 $67,000 $1,690,000 $58,000 $337,000

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 2,109 $225,423,000 $106,000 $497,000 $70,000 $5,789,000
Not Provided 123 $14,243,000 $115,000 $417,000 $76,000 $530,000
Not applicable 81 $11,902,000 $146,000 $1,690,000 $23,000 $365,000
Black or African American 16 $1,769,000 $110,000 $232,000 $92,000 $221,000
Hispanic 10 $955,000 $95,000 $271,000 $67,000 $169,000
Asian 7 $1,724,000 $246,000 $386,000 $267,000 $575,000
American Indian or Alaskan Native 4 $287,000 $71,000 $85,000 $43,000 $69,000
Native Hawaiian or Other Pacific Islander 3 $222,000 $74,000 $104,000 $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) 1,892 $203,011,000 $107,000 $1,690,000 $76,000 $5,789,000
FHA-insured (Federal Housing Administration) 286 $31,051,000 $108,000 $268,000 $41,000 $276,000
VA-guaranteed (Veterans Administration) 120 $16,647,000 $138,000 $386,000 $51,000 $230,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 55 $5,816,000 $105,000 $271,000 $34,000 $68,000

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 1,497 $167,530,000 $111,000 $1,690,000 $74,000 $1,650,000
Application Denied By Financial Institution 331 $32,580,000 $98,000 $497,000 $72,000 $5,789,000
Application Withdrawn By Applicant 181 $19,168,000 $105,000 $437,000 $65,000 $624,000
Loan Purchased By The Institution 143 $15,620,000 $109,000 $386,000 $35,000 $291,000
Application Approved But Not Accepted 124 $12,297,000 $99,000 $356,000 $60,000 $195,000
File Closed For Incompleteness 77 $9,330,000 $121,000 $354,000 $60,000 $336,000
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
Credit History 77 $5,513,000 $71,000 $181,000 $46,000 $202,000
Collateral 59 $7,235,000 $122,000 $321,000 $152,000 $5,789,000
Debt-To-Income Ratio 53 $5,478,000 $103,000 $497,000 $33,000 $109,000
Credit Application Incomplete 42 $4,334,000 $103,000 $334,000 $84,000 $407,000
Other 24 $3,279,000 $136,000 $390,000 $90,000 $365,000
Unverifiable Information 7 $1,161,000 $165,000 $258,000 $91,000 $164,000
Employment History 6 $483,000 $80,000 $98,000 $34,000 $77,000
Insufficient Cash (Downpayment, Closing Cost) 3 $255,000 $85,000 $117,000 $73,000 $110,000
Mortgage Insurance Denied 1 $98,000 $98,000 $98,000 $58,000 $58,000

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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