Washington County, OH Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,783 mortgage applications in Washington County, OH totaling $233.2 million, up 16% from 2015. The average application was for $130,000, and applicants reported an average income of $66,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was Peoples Bank, with 286 applications, followed by Huntington National Bank and loanDepot.com LLC.

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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 1,783
Total Mortgage Loan Application Amount $233,234,000
Average Mortgage Loan Application Amount $130,000
Highest Mortgage Loan Application Amount $3,000,000
Average Applicant Income $66,000
Highest Applicant Income $1,772,000

Mortgage Company List for Lending in Washington County, OH for 2016

* 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
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 3,249,718,000 286 $ 34,803,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 120 $ 12,768,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 114 $ 16,013,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 93 $ 14,778,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 70 $ 7,101,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 69 $ 11,628,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 59 $ 9,678,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 8,452,898,000 51 $ 9,435,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 44 $ 3,467,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 40 $ 5,456,000
Williamstown Bank, Inc.
435 HIGHLAND AVE.,
WILLIAMSTOWN, WV 26187
* $ 149,014,000 39 $ 3,476,000
Riverview Credit Union Inc
403 MAIN STREET
BELPRE, OH 45714
* $ 49,988,000 35 $ 2,372,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 32 $ 4,192,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 31 $ 3,442,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 231,139,000 31 $ 4,136,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 26 $ 5,427,000
West Virginia Central CU
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 146,624,000 21 $ 2,181,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 20 $ 2,538,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 20 $ 2,138,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 19 $ 2,665,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 19 $ 3,202,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 5,346,724,000 19 $ 6,080,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 15 $ 1,456,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 14 $ 1,698,000
Northern Ohio Investment Company
6444 MONROE STREET, SUITE 6
SYLVANIA, OH 43560
* $ 10,000,000 14 $ 1,732,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 13 $ 1,447,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 13 $ 1,516,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 12 $ 107,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 12 $ 1,889,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 12 $ 1,658,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 11 $ 987,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 10 $ 1,433,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 10 $ 1,390,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 234,265,000 10 $ 1,223,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 10 $ 1,262,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 10 $ 1,398,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 10 $ 1,454,000
One Community Federal Credit Union
531 FIFTH STREET
PARKERSBURG, WV 26101
* $ 72,220,000 8 $ 857,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 8 $ 948,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 7 $ 782,000
Ohio Valley Community Credit Union
52775 BOSTON HILL ROAD
CLARINGTON, OH 43915
* $ 131,823,000 7 $ 566,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 7 $ 1,011,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 7 $ 434,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 397,748,000 6 $ 505,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 5 $ 389,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 5 $ 592,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 389,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 5 $ 817,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ 10,000,000 5 $ 777,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,236,717,000 4 $ 379,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 4 $ 454,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 4 $ 266,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 4 $ 703,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 4 $ 536,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 4 $ 355,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 3 $ 383,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 3 $ 322,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 314,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 3 $ 122,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ 10,000,000 3 $ 633,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 256,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ 12,167,000 3 $ 292,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 3 $ 342,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 459,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ 2,458,000 3 $ 351,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 3 $ 25,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 3 $ 356,000
The Commercial & Savings Bank
91 NORTH CLAY STREET
MILLERSBURG, OH 44654
* $ 650,188,000 3 $ 766,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 3 $ 546,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 3 $ 495,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 849,582,000 2 $ 196,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 182,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 2 $ 295,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 236,000
The First National Bank of McConnelsville
86 N. KENNEBEC AVENUE, PO BOX 208
MCCONNELSVILLE, OH 43756
* $ 138,285,000 2 $ 315,000
Vinton County National Bank
112 W MAIN ST PO BOX 460
MCARTHUR, OH 45651
* $ 866,359,000 2 $ 122,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 163,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 2 $ 142,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 1,613,141,000 2 $ 652,000
Firstmerit Bank NA
III CASCADE PLAZA - CAS46
AKRON, OH 44308
* $ 25,520,808,000 2 $ 150,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 291,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 252,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 2 $ 355,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 2 $ 274,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 2 $ 282,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 266,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 2 $ 46,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 2 $ 375,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 220,000
Forethought Life Insurance Co
10 WEST MARKET STREET STE. 2300
INDIANAPOLIS, IN 46204
* $ 100,000,000 2 $ 176,000
Mcs Mortgage Bankers, Inc.
20 OAK STREET
PATCHOGUE, NY 11772
* $ 4,785,307,000 2 $ 220,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 2 $ 278,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 104,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 235,164,000 1 $ 193,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 367,680,000 1 $ 118,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ 2,915,000 1 $ 156,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 1 $ 118,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 107,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 94,000
Kondaur Capital Corporation
333 S ANITA DR STE 400
ORANGE, CA 92868
* $ 54,713,000 1 $ 129,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ 10,000,000 1 $ 98,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 177,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 1 $ 100,000
Mortgage Capital Associates, Inc.
11150 W OYMPIC BLVD. STE. 1160
LOS ANGELES, CA 90064
* $ 10,000,000 1 $ 137,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 80,000
Homebanc, N.A.
3704 W. LAKE MARY BLVD
LAKE MARY, FL 32746
* $ 990,653,000 1 $ 1,290,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 1 $ 152,000
First Federal Bank of Ohio
140 N COLUMBUS ST.
GALION, OH 44833
* $ 234,261,000 1 $ 92,000
Home City Federal Savings Bank
2454 N. LIMESTONE ST.
SPRINGFIELD, OH 45503
* $ 153,014,000 1 $ 168,000
The Citizens National Bank of Woodsfield
143 S MAIN ST P.O. BOX 230
WOODSFIELD, OH 43793
* $ 108,009,000 1 $ 32,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 3,696,846,000 1 $ 56,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 1 $ 61,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 160,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 1 $ 172,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 1 $ 111,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 196,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ 10,000,000 1 $ 160,000
North Valley Bank
PO BOX 1115, 2775 MAYSVILLE PIKE
ZANESVILLE, OH 43701
* $ 188,873,000 1 $ 40,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ 10,000,000 1 $ 155,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ 10,000,000 1 $ 202,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 137,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 83,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 1 $ 40,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 31,272,894,000 1 $ 79,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 17,379,124,000 1 $ 269,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 89,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 1 $ 143,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ 52,954,000 1 $ 85,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 988,439,000 1 $ 212,000
Reliant Bank
1736 CAROTHERS PARKWAY
BRENTWOOD, TN 37027
* $ 878,814,000 1 $ 138,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 1 $ 230,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 12,356,237,000 1 $ 188,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 42,042,000,000 1 $ 2,658,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 65,000
American Midwest Mortgage Corporation
6363 YORK ROAD
PARMA HEIGHTS, OH 44130
* $ 10,000,000 1 $ 64,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 1 $ 150,000
The Home Savings and Loan Comp
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 1,988,493,000 1 $ 203,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 1 $ 155,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 320,763,000 1 $ 249,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 82,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 99,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 177,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 1 $ 142,000
Rbc Bank (Georgia), N.A.
8081 ARCO CORPORATE DRIVE
RALEIGH, NC 27617
* $ 3,272,942,000 1 $ 72,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 464,368,000 1 $ 200,000

The tables below break down 2016 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 2016

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 825 $101,938,000 $123,000 $1,125,000 $59,000 $802,000
Refinancing 794 $120,014,000 $151,000 $3,000,000 $74,000 $1,772,000
Home Improvement 164 $11,282,000 $68,000 $408,000 $67,000 $383,000

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 1,467 $191,526,000 $130,000 $3,000,000 $72,000 $1,772,000
Not applicable 155 $23,120,000 $149,000 $1,685,000 $8,000 $128,000
Not Provided 125 $14,490,000 $115,000 $650,000 $64,000 $400,000
Hispanic 13 $885,000 $68,000 $127,000 $39,000 $65,000
Black or African American 8 $860,000 $107,000 $181,000 $45,000 $75,000
American Indian or Alaskan Native 7 $720,000 $102,000 $156,000 $36,000 $80,000
Asian 5 $615,000 $123,000 $152,000 $133,000 $450,000
Native Hawaiin or Other Pacific Islander 3 $1,018,000 $339,000 $408,000 $414,000 $588,000

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) 1,149 $157,098,000 $136,000 $3,000,000 $80,000 $1,772,000
FHA-insured (Federal Housing Administration) 346 $39,637,000 $114,000 $275,000 $43,000 $400,000
VA-guaranteed (Veterans Administration) 182 $25,632,000 $140,000 $412,000 $42,000 $199,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 106 $10,867,000 $102,000 $202,000 $30,000 $77,000

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 929 $118,416,000 $127,000 $1,685,000 $70,000 $1,423,000
Application Denied By Financial Institution 377 $54,332,000 $144,000 $3,000,000 $67,000 $1,642,000
Loan Purchased By The Institution 178 $21,443,000 $120,000 $340,000 $21,000 $175,000
Application Withdrawn By Applicant 149 $21,100,000 $141,000 $2,155,000 $95,000 $1,772,000
Application Approved But Not Accepted 78 $10,422,000 $133,000 $320,000 $75,000 $802,000
File Closed For Incompleteness 72 $7,521,000 $104,000 $246,000 $54,000 $315,000
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 64 $4,149,000 $64,000 $240,000 $48,000 $111,000
Collateral 49 $9,052,000 $184,000 $2,600,000 $103,000 $1,642,000
Debt-To-Income Ratio 48 $11,341,000 $236,000 $3,000,000 $45,000 $199,000
Credit Application Incomplete 27 $2,825,000 $104,000 $273,000 $59,000 $160,000
Other 14 $4,252,000 $303,000 $3,000,000 $142,000 $923,000
Insufficient Cash (Downpayment, Closing Cost) 10 $774,000 $77,000 $160,000 $45,000 $90,000
Employment History 4 $519,000 $129,000 $193,000 $46,000 $77,000
Mortgage Insurance Denied 1 $123,000 $123,000 $123,000 $50,000 $50,000
Unverifiable Information 1 $98,000 $98,000 $98,000 $61,000 $61,000

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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