Wayne County, IN Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 1,879 mortgage applications in Wayne County, IN totaling $165.2 million, down 25% from 2013. The average application was for $87,000, and applicants reported an average income of $54,000. 51% of applications resulted in an originated loan and 25% were denied. The most active lender was US Bank, N.A., with 256 applications, followed by First Bank Richmond, NA and Mainsource Bank.
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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 | 1,879 |
| Total Mortgage Loan Application Amount | $165,197,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $2,175,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $1,603,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 256 | $ 17,735,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 522,321,000 | 255 | $ 21,990,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,847,543,000 | 151 | $ 11,545,000 |
| Somerville National Bank, the 197 NORTH SOUTH MAIN STREET SOMERVILLE, OH 45064 |
* | $ 171,070,000 | 89 | $ 7,841,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 89 | $ 7,458,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 81 | $ 6,779,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 72 | $ 6,769,000 |
| First Merchants Bank, NA 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 5,417,382,000 | 69 | $ 6,337,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 67 | $ 6,702,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 57 | $ 5,693,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 91,286,152,000 | 46 | $ 3,263,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 35 | $ 3,106,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 33 | $ 4,032,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 32 | $ 2,996,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 26 | $ 2,282,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 22 | $ 1,987,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 21 | $ 2,645,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 20 | $ 1,836,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 19 | $ 1,367,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 18 | $ 1,287,000 |
| CU Channels 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 505,929,000 | 18 | $ 1,482,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 17 | $ 1,044,000 |
| Citizens State Bank of New Castle 1238 BROAD ST, P.O. BOX C NEW CASTLE, IN 47362 |
* | $ 420,523,000 | 16 | $ 2,956,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 15 | $ 828,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 14 | $ 1,142,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 12 | $ 1,256,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 12 | $ 1,993,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 11 | $ 1,069,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 11 | $ 876,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 11 | $ 756,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 11 | $ 758,000 |
| The Bath State Bank 3095 BATH ROAD BATH, IN 47010 |
* | $ 150,430,000 | 10 | $ 1,349,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 10 | $ 695,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 692,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 8 | $ 596,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 8 | $ 1,139,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 7 | $ 576,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 7 | $ 502,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 1,179,417,000 | 7 | $ 926,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,728,692,000 | 7 | $ 572,000 |
| Ameriana Bank 2118 BUNDY AVE NEW CASTLE, IN 47362 |
* | $ 455,057,000 | 7 | $ 828,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 6 | $ 523,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 572,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,459,127,000 | 5 | $ 532,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 313,000 |
| First Republic Mortgage 9120 OTIS AVE SUITE 201 INDIANAPOLIS, IN 46216 |
* | $ 10,000,000 | 4 | $ 280,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 4 | $ 327,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ 941,000 | 4 | $ 613,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 423,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 588,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 200,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ 52,388,000 | 3 | $ 685,000 |
| Union Savings and Loan Association 730 CENTRAL AVE P O BOX 366 CONNERSVILLE, IN 47331 |
* | $ 133,172,000 | 3 | $ 286,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 3 | $ 168,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 1,033,856,000 | 3 | $ 379,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 3 | $ 261,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 3 | $ 246,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 200,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 3 | $ 322,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 2 | $ 251,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 313,877,000 | 2 | $ 138,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 2 | $ 112,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 151,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 218,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 253,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Lcnb National Bank 2 N BROADWAY LEBANON, OH 45036 |
* | $ 929,782,000 | 2 | $ 96,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 136,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 2 | $ 227,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,199,260,000 | 2 | $ 124,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 2 | $ 207,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 2 | $ 144,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 2 | $ 458,000 |
| Inland Bank & Trust 1900 W STATE ST GENEVA, IL 60134 |
* | $ 1,016,109,000 | 1 | $ 127,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 454,468,000 | 1 | $ 79,000 |
| Tower Bank and Trust 116 E BERRY ST FT WAYNE, IN 46802 |
* | $ 692,841,000 | 1 | $ 50,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 133,000 |
| Crane Federal Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 417,843,000 | 1 | $ 9,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 2,383,230,000 | 1 | $ 143,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 1,664,812,000 | 1 | $ 131,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 160,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,527,444,000 | 1 | $ 112,000 |
| Firefighters & Company Federal Credit Union 338 S. PATTERSON BLVD. DAYTON, OH 45402 |
* | $ 47,779,000 | 1 | $ 148,000 |
| Mb Financial Bank NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,624,027,000 | 1 | $ 90,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 214,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 100,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 177,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Greenfield Banking Company 1920 NORTH STATE STREET GREENFIELD, IN 46140 |
* | $ 446,067,000 | 1 | $ 85,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 165,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 273,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ 1,603,436,000 | 1 | $ 128,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 104,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 66,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 135,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 50,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 943,388,000 | 1 | $ 116,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 66,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 358,994,000 | 1 | $ 180,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 299,620,000 | 1 | $ 188,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 164,000 |
| American Savings Bank, FSB 503 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 254,648,000 | 1 | $ 84,000 |
| Financial Center First CU 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ 496,218,000 | 1 | $ 13,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 155,000 |
| Amwest Funding Corp 6 POINTE DRIVE, SUITE 300 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 238,482,903,000 | 1 | $ 159,000 |
| Kondaur Capital Corporation 333 S ANITA DR STE 400 ORANGE, CA 92868 |
* | $ 54,713,000 | 1 | $ 75,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 98,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,410,604,000 | 1 | $ 260,000 |
| National Bank of Arizona 6001 N. 24TH STREET PHOENIX, AZ 85016 |
* | $ 4,581,990,000 | 1 | $ 158,000 |
The tables below break down 2014 mortgage applications in Wayne 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 Wayne County, IN in 2014
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 | 921 | $84,336,000 | $91,000 | $2,175,000 | $55,000 | $1,201,000 |
| Home Purchase | 789 | $73,962,000 | $93,000 | $400,000 | $53,000 | $1,603,000 |
| Home Improvement | 169 | $6,899,000 | $40,000 | $319,000 | $58,000 | $425,000 |
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 | 1,531 | $135,884,000 | $88,000 | $2,175,000 | $58,000 | $1,201,000 |
| Not applicable | 138 | $12,113,000 | $87,000 | $350,000 | $6,000 | $139,000 |
| Not Provided | 138 | $11,470,000 | $83,000 | $340,000 | $61,000 | $1,603,000 |
| Black or African American | 40 | $3,239,000 | $80,000 | $327,000 | $42,000 | $97,000 |
| Hispanic | 17 | $1,099,000 | $64,000 | $151,000 | $55,000 | $138,000 |
| American Indian or Alaskan Native | 8 | $766,000 | $95,000 | $264,000 | $135,000 | $557,000 |
| Asian | 6 | $484,000 | $80,000 | $107,000 | $108,000 | $319,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $142,000 | $142,000 | $142,000 | $171,000 | $171,000 |
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) | 1,244 | $105,916,000 | $85,000 | $2,175,000 | $63,000 | $1,603,000 |
| FHA-insured (Federal Housing Administration) | 417 | $36,128,000 | $86,000 | $260,000 | $36,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 113 | $13,993,000 | $123,000 | $450,000 | $52,000 | $822,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 105 | $9,160,000 | $87,000 | $510,000 | $25,000 | $317,000 |
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 | 952 | $87,845,000 | $92,000 | $865,000 | $64,000 | $1,603,000 |
| Application Denied By Financial Institution | 467 | $35,756,000 | $76,000 | $2,175,000 | $45,000 | $237,000 |
| Loan Purchased By The Institution | 186 | $15,934,000 | $85,000 | $260,000 | $20,000 | $139,000 |
| Application Withdrawn By Applicant | 117 | $11,826,000 | $101,000 | $714,000 | $65,000 | $822,000 |
| Application Approved But Not Accepted | 96 | $8,233,000 | $85,000 | $319,000 | $58,000 | $200,000 |
| File Closed For Incompleteness | 61 | $5,603,000 | $91,000 | $359,000 | $50,000 | $173,000 |
| 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 | 195 | $11,026,000 | $56,000 | $350,000 | $44,000 | $200,000 |
| Collateral | 79 | $5,464,000 | $69,000 | $271,000 | $48,000 | $142,000 |
| Debt-To-Income Ratio | 50 | $5,858,000 | $117,000 | $2,175,000 | $32,000 | $99,000 |
| Other | 28 | $1,625,000 | $58,000 | $125,000 | $48,000 | $141,000 |
| Credit Application Incomplete | 15 | $1,299,000 | $86,000 | $208,000 | $51,000 | $106,000 |
| Unverifiable Information | 5 | $238,000 | $47,000 | $70,000 | $44,000 | $83,000 |
| Employment History | 4 | $230,000 | $57,000 | $98,000 | $36,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $382,000 | $127,000 | $270,000 | $73,000 | $114,000 |
| 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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