Washington County, OH Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,822 mortgage applications in Washington County, OH totaling $213.6 million, up 22% from 2017. The average application was for $117,000, and applicants reported an average income of $71,000. 56% of applications resulted in an originated loan and 19% were denied. The most active lender was Peoples Bank, with 306 applications, followed by Huntington National Bank and JPMorgan Chase Bank, NA.

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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 1,822
Total Mortgage Loan Application Amount $213,590,000
Average Mortgage Loan Application Amount $117,000
Highest Mortgage Loan Application Amount $2,215,000
Average Applicant Income $71,000
Highest Applicant Income $1,096,000

Mortgage Company List for Lending in Washington County, OH for 2018

* 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
* $ 3,569,754,000 306 $ 26,320,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 241 $ 28,425,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 132 $ 12,060,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 106 $ 14,800,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 70 $ 9,240,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 9,792,150,000 65 $ 7,295,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 46 $ 3,450,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 41 $ 4,745,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 38 $ 5,130,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 235,680,000 27 $ 3,285,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 26 $ 3,150,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 3,480,000
Williamstown Bank, Inc.
435 HIGHLAND AVE.,
WILLIAMSTOWN, WV 26187
* $ 157,454,000 22 $ 2,940,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 20 $ 2,930,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 19 $ 2,845,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 19 $ 2,255,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 17 $ 2,695,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 16 $ 1,680,000
United Bank VA

MORGANTOWN, WV 26505
* $ 19,041,801,000 16 $ 3,380,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 2,455,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 14 $ 1,940,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 14 $ 2,580,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 13 $ 1,305,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 1,115,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 12 $ 1,200,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 12 $ 1,600,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 1,295,000
Wv Central Federal Credit Union
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 171,495,000 11 $ 925,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 11 $ 1,335,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 10 $ 930,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 10 $ 860,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 9 $ 895,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 9 $ 975,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 8 $ 500,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 8 $ 1,860,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 975,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 7 $ 625,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 7 $ 1,225,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 7 $ 745,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 7 $ 955,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 910,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,471,410,000 6 $ 680,000
Ohio Valley Community Credit Union
52775 BOSTON HILL ROAD
CLARINGTON, OH 43915
* $ 141,838,000 6 $ 720,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 830,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,641,355,000 6 $ 870,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 665,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 5 $ 475,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 405,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 5 $ 165,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 5 $ 1,095,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 5 $ 635,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 181,947,000 5 $ 685,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 5 $ 625,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 456,898,000 4 $ 650,000
Bridge Credit Union
1980 W BROAD ST MAIL STOP #0000
COLUMBUS, OH 43223
* $ 83,986,000 4 $ 380,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 470,603,000 4 $ 810,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 4 $ 830,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 460,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 4 $ 330,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 4 $ 670,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 4 $ 470,000
The Farmers Bank & Savings Com
640 E MAIN ST
POMEROY, OH 45769
* $ 319,927,000 4 $ 730,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 470,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 4 $ 390,000
The First National Bank of McConnelsville
86 N. KENNEBEC AVENUE, PO BOX 208
MCCONNELSVILLE, OH 43756
* $ 146,164,000 4 $ 620,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 7,281,983,000 3 $ 525,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 295,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 3 $ 445,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 3 $ 435,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 3 $ 145,000
Premier Bank, Inc.
601 WASHINGTON STREET
RAVENSWOOD, WV 26164
* $ 1,064,264,000 3 $ 555,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 225,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 345,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 805,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 3 $ 445,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 445,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 175,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 330,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 2 $ 300,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 280,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 2 $ 310,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 2 $ 210,000
First Neighborhood Bank
216 MARKET STREET
SPENCER, WV 25276
* $ 141,420,000 2 $ 460,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 410,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 969,487,000 2 $ 290,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 120,000
North Valley Bank
PO BOX 1115, 2775 MAYSVILLE PIKE
ZANESVILLE, OH 43701
* $ 205,068,000 2 $ 170,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 290,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 2 $ 260,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 310,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 300,000
Kemba Financial Credit Union
555 OFFICENTER PL
GAHANNA, OH 43230
* $ 1,202,018,000 2 $ 150,000
Signature Mortgage Corporation
4790 DOUGLAS CIRCLE NW
CANTON, OH 44718
* $ -1,000 2 $ 220,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 250,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 20,030,342,000 2 $ 250,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 190,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 2 $ 340,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 320,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 2 $ 40,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 330,000
Ohio Valley Bank
420 THIRD AVE
GALLIPOLIS, OH 45631
* $ 1,011,182,000 2 $ 270,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 287,783,000 1 $ 25,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 155,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 85,000
The Citizens Bank of Logan, Ohio
188 WEST MAIN STREET
LOGAN, OH 43138
* $ 189,864,000 1 $ 405,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 195,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 1 $ 195,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 95,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 65,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 1 $ 65,000
State Departmenet Federal Credit Union
1630 KING STREET
ALEXANDRIA, VA 22314
* $ 1,897,908,000 1 $ 105,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 135,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 65,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 175,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 105,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 1 $ 145,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 145,000
Triumph Bank
1780 MORIAH WOODS BLVD., SUITE 4
MEMPHIS, TN 38117
* $ 722,208,000 1 $ 315,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 1 $ 185,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ 417,436,000 1 $ 145,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ -1,000 1 $ 175,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 4,036,110,000 1 $ 125,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 1,293,802,000 1 $ 735,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 1 $ 155,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 175,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 125,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 75,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 45,000
Residential Mortgage Services, Inc.
24 CHRISTOPHER TOPPI DRIVE
SOUTH PORTLAND, ME 04106
* $ -1,000 1 $ 165,000
Rapid Mortgage Company
7870 E. KEMPER ROAD, SUITE 280
CINCINNATI, OH 45255
* $ -1,000 1 $ 305,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 480,514,000 1 $ 75,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 1 $ 45,000
Mutual of Omaha Bank
3333 FARNAM ST
OMAHA, NE 68131
* $ 8,144,695,000 1 $ 545,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 145,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 55,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 248,690,000 1 $ 195,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 1 $ 195,000
Usalliance Federal Credit Union
411 THEODORE FREMD AVE, SUITE 350
RYE, NY 10580
* $ 1,377,846,000 1 $ 25,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 5,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 95,000
F&M Bank
17100 N MAY AVE
EDMOND, OK 73012
* $ 440,521,000 1 $ 55,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 115,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ -1,000 1 $ 135,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 105,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 155,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 1 $ 25,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 185,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 205,000

The tables below break down 2018 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 2018

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 820 $111,030,000 $135,000 $795,000 $71,000 $991,000
Cash-out Refinancing 416 $48,170,000 $115,000 $465,000 $66,000 $555,000
Refinancing 203 $28,635,000 $141,000 $2,215,000 $72,000 $1,096,000
Other Purpose 180 $12,140,000 $67,000 $275,000 $76,000 $449,000
Home Improvement 174 $10,910,000 $62,000 $505,000 $81,000 $637,000
Not Applicable 29 $2,705,000 $93,000 $235,000 $78,000 $141,000

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 1,547 $176,705,000 $114,000 $795,000 $71,000 $1,096,000
Not Provided 142 $16,880,000 $118,000 $465,000 $70,000 $380,000
Not applicable 95 $15,625,000 $164,000 $2,215,000 $53,000 $55,000
American Indian or Alaskan Native 9 $965,000 $107,000 $315,000 $55,000 $142,000
Black or African American 9 $685,000 $76,000 $135,000 $64,000 $143,000
Hispanic 9 $1,015,000 $112,000 $165,000 $88,000 $284,000
Asian 7 $1,385,000 $197,000 $355,000 $122,000 $250,000
Native Hawaiian or Other Pacific Islander 1 $85,000 $85,000 $85,000 $47,000 $47,000

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) 1,280 $144,720,000 $113,000 $2,215,000 $77,000 $1,096,000
FHA-insured (Federal Housing Administration) 285 $32,895,000 $115,000 $295,000 $52,000 $210,000
VA-guaranteed (Veterans Administration) 157 $25,185,000 $160,000 $465,000 $66,000 $196,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 100 $10,790,000 $107,000 $245,000 $45,000 $96,000

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 1,013 $123,265,000 $121,000 $2,215,000 $75,000 $1,096,000
Application Denied By Financial Institution 352 $32,730,000 $92,000 $415,000 $60,000 $991,000
Application Withdrawn By Applicant 189 $22,505,000 $119,000 $425,000 $67,000 $552,000
Loan Purchased By The Institution 140 $19,100,000 $136,000 $465,000 $77,000 $244,000
File Closed For Incompleteness 74 $9,340,000 $126,000 $445,000 $73,000 $408,000
Application Approved But Not Accepted 53 $6,565,000 $123,000 $505,000 $90,000 $637,000
Preapproval Approved but not Accepted 1 $85,000 $85,000 $85,000 $67,000 $67,000
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 1,443 $176,245,000 $122,000 $2,215,000 $74,000 $1,096,000
Debt-To-Income Ratio 126 $14,280,000 $113,000 $635,000 $50,000 $555,000
Credit History 94 $7,790,000 $82,000 $245,000 $66,000 $991,000
Collateral 87 $7,885,000 $90,000 $265,000 $70,000 $396,000
Credit Application Incomplete 24 $2,790,000 $116,000 $215,000 $69,000 $315,000
Other 24 $2,270,000 $94,000 $205,000 $59,000 $184,000
Unverifiable Information 14 $1,100,000 $78,000 $135,000 $65,000 $214,000
Insufficient Cash (Downpayment, Closing Cost) 6 $650,000 $108,000 $185,000 $105,000 $284,000
Employment History 3 $445,000 $148,000 $205,000 $35,000 $59,000
Mortgage Insurance Denied 1 $135,000 $135,000 $135,000 $73,000 $73,000

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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