Wayne County, IN Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 2,310 mortgage applications in Wayne County, IN totaling $243.5 million, about the same as 2015. The average application was for $105,000, and applicants reported an average income of $60,000. 56% of applications resulted in an originated loan and 20% were denied. The most active lender was First Bank Richmond, NA, with 296 applications, followed by US Bank, N.A. and West End Bank, S.B..

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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 2,310
Total Mortgage Loan Application Amount $243,467,000
Average Mortgage Loan Application Amount $105,000
Highest Mortgage Loan Application Amount $3,180,000
Average Applicant Income $60,000
Highest Applicant Income $2,495,000

Mortgage Company List for Lending in Wayne County, IN 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
First Bank Richmond, NA
P.O. BOX 937
RICHMOND, IN 47375
* $ 551,870,000 296 $ 29,836,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 234 $ 17,857,000
West End Bank, S.B.
34 SOUTH 7TH STREET
RICHMOND, IN 47374
* $ 270,726,000 231 $ 21,822,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 3,385,483,000 179 $ 18,653,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 136 $ 13,429,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 138,031,000 112 $ 12,468,000
Somerville National Bank, the
197 NORTH SOUTH MAIN STREET
SOMERVILLE, OH 45064
* $ 164,620,000 82 $ 7,154,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 63 $ 6,363,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 6,744,662,000 59 $ 11,043,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 59 $ 5,864,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 55 $ 5,470,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 53 $ 5,673,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 44 $ 3,704,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 28 $ 2,398,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 26 $ 2,536,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 25 $ 2,524,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 21 $ 1,815,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 20 $ 1,867,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ 2,269,290,000 19 $ 4,336,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 18 $ 2,319,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 17 $ 2,035,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 17 $ 1,442,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ 11,800,000 16 $ 1,462,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 15 $ 1,056,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 15 $ 1,370,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 14 $ 1,380,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 13 $ 1,324,000
The Bath State Bank
3095 BATH ROAD
BATH, IN 47010
* $ 143,030,000 13 $ 1,473,000
Greenville National Bank
446 S. BROADWAY
GREENVILLE, OH 45331
* $ 390,914,000 13 $ 2,060,000
Union Savings and Loan Association
730 CENTRAL AVE P O BOX 366
CONNERSVILLE, IN 47331
* $ 133,593,000 12 $ 1,506,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 12 $ 837,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 11 $ 1,019,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 11 $ 1,392,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 11 $ 1,870,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 11 $ 1,505,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 10 $ 1,271,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 9 $ 758,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 9 $ 1,650,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 9 $ 1,147,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 9 $ 1,110,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 9 $ 332,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 8 $ 693,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ 493,632,000 8 $ 805,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 7 $ 718,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 7 $ 407,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 7 $ 644,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 6 $ 384,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 6 $ 180,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 6 $ 678,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 6 $ 725,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 6 $ 623,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 5 $ 528,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 497,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ 52,388,000 5 $ 556,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 4 $ 479,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ 42,331,494,000 4 $ 282,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 104,121,677,000 4 $ 203,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 4 $ 422,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,652,711,000 4 $ 617,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 4 $ 196,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ 50,442,000 3 $ 359,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 3 $ 701,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 3 $ 400,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ 10,000,000 3 $ 345,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 11,846,211,000 3 $ 238,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 3 $ 257,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 9,622,999,000 3 $ 67,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 3 $ 345,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 3 $ 271,000
Lcnb National Bank
2 N BROADWAY
LEBANON, OH 45036
* $ 1,279,353,000 3 $ 113,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 3 $ 522,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 205,000
The First National Bank of McHenry
3814 W ELM STREET
MCHENRY, IL 60051
* $ 162,198,000 2 $ 237,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 282,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 2 $ 154,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 369,000
Fcn Bank
501 MAIN STREET, PO BOX 37
BROOKVILLE, IN 47012
* $ 415,389,000 2 $ 260,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 245,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 2 $ 316,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 224,192,000 2 $ 41,000
Talmer B&Tc
2301 W BIG BEAVER RD
TROY, MI 48084
* $ 6,586,459,000 2 $ 332,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 2 $ 387,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 85,747,508,000 2 $ 110,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ 552,596,000 2 $ 4,562,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 10,000,000 2 $ 370,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 270,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 217,000
Banc of California, National Association
18500 VON KARMAN AVENUE SUITE 1100
IRVINE, CA 92612
* $ 8,231,396,000 2 $ 211,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 2 $ 193,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 178,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 1,028,000 2 $ 538,000
Merchants Capital Corp.
11555 NORTH MERIDIAN STREET, SUITE 400
CARMEL, IN 46032
* $ 35,564,000 2 $ 1,878,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 2 $ 88,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 2 $ 182,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 2 $ 132,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 2 $ 116,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 2 $ 223,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 1 $ 134,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 83,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 101,000
Kondaur Capital Corporation
333 S ANITA DR STE 400
ORANGE, CA 92868
* $ 54,713,000 1 $ 162,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 130,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 11,886,522,000 1 $ 212,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,397,488,000 1 $ 45,000
Tiaa-Cref Trust Company FSB
211 NORTH BROADWAY, STE 1000
ST. LOUIS, MO 63102
* $ 3,519,033,000 1 $ 180,000
The Farmers State Bank
101 S. MAIN ST. PO BOX 119
NEW MADISON, OH 45346
* $ 145,631,000 1 $ 500,000
Summitmortgage Inc
8614 ST JOE ROAD
FORT WAYNE, IN 46835
* $ 1,551,078,000 1 $ 58,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 119,000
Greenfield Banking Company
1920 NORTH STATE STREET
GREENFIELD, IN 46140
* $ 473,655,000 1 $ 85,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 118,000
Mortgage Masters of Indiana Inc
501 N CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ 6,327,741,000 1 $ 100,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 361,823,000 1 $ 175,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 1 $ 118,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 75,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 268,926,000 1 $ 25,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 47,000
The Farmers Bank
9 E CLINTON ST
FRANKFORT, IN 46041
* $ 497,726,000 1 $ 639,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ 35,475,880,000 1 $ 82,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 6,545,817,000 1 $ 245,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 136,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 92,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 184,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 98,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 97,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 130,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ 11,000,000 1 $ 153,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ 10,000,000 1 $ 144,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ 10,000,000 1 $ 270,000
Flagship Financial Group, Llc.
3130 W. MAPLE LOOP DR.
LEHI, UT 84043
* $ 0 1 $ 270,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ 3,304,000 1 $ 50,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 93,038,275,000 1 $ 164,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 1 $ 100,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 122,099,687,000 1 $ 73,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 1 $ 145,000
Chevron Federal Credit Union
2300 CLAYTON ROAD SUITE 700
CONCORD, CA 94520
* $ 2,748,259,000 1 $ 61,000
Financial Center First CU
7101 E 56TH STREET
INDIANAPOLIS, IN 46226
* $ 502,639,000 1 $ 36,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ 1,850,709,000 1 $ 112,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 1,477,063,000 1 $ 56,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 232,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 114,257,000 1 $ 413,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 947,219,000 1 $ 94,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 78,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 52,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,236,717,000 1 $ 39,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ 3,300,000,000 1 $ 90,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ 941,000 1 $ 76,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 184,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 1 $ 111,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 1 $ 38,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ 26,264,000 1 $ 57,000
Indiana University CU
PO BOX 368
BLOOMINGTON, IN 47401
* $ 827,278,000 1 $ 148,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 1,177,985,000 1 $ 123,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 464,368,000 1 $ 83,000

The tables below break down 2016 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 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
Refinancing 1,070 $120,125,000 $112,000 $2,405,000 $63,000 $2,495,000
Home Purchase 1,042 $113,735,000 $109,000 $3,180,000 $57,000 $1,175,000
Home Improvement 198 $9,607,000 $48,000 $500,000 $62,000 $634,000

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 1,884 $192,638,000 $102,000 $1,718,000 $63,000 $1,418,000
Not applicable 200 $29,033,000 $145,000 $3,180,000 $5,000 $141,000
Not Provided 124 $11,535,000 $93,000 $364,000 $88,000 $2,495,000
Black or African American 51 $4,883,000 $95,000 $360,000 $73,000 $500,000
Hispanic 27 $2,424,000 $89,000 $195,000 $132,000 $1,969,000
Asian 14 $1,983,000 $141,000 $244,000 $74,000 $226,000
American Indian or Alaskan Native 9 $809,000 $89,000 $136,000 $79,000 $204,000
Native Hawaiin or Other Pacific Islander 1 $162,000 $162,000 $162,000 $60,000 $60,000

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) 1,428 $148,545,000 $104,000 $3,180,000 $74,000 $2,495,000
FHA-insured (Federal Housing Administration) 544 $49,185,000 $90,000 $255,000 $37,000 $1,175,000
VA-guaranteed (Veterans Administration) 220 $30,409,000 $138,000 $413,000 $46,000 $206,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 118 $15,328,000 $129,000 $980,000 $34,000 $372,000

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 1,296 $143,932,000 $111,000 $3,180,000 $67,000 $2,495,000
Application Denied By Financial Institution 464 $42,071,000 $90,000 $424,000 $63,000 $1,969,000
Loan Purchased By The Institution 220 $21,501,000 $97,000 $308,000 $17,000 $159,000
Application Withdrawn By Applicant 145 $13,982,000 $96,000 $255,000 $53,000 $308,000
Application Approved But Not Accepted 104 $14,800,000 $142,000 $2,405,000 $78,000 $1,418,000
File Closed For Incompleteness 81 $7,181,000 $88,000 $413,000 $44,000 $225,000
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 114 $8,067,000 $70,000 $334,000 $84,000 $1,969,000
Collateral 69 $6,366,000 $92,000 $291,000 $68,000 $370,000
Debt-To-Income Ratio 45 $4,410,000 $98,000 $315,000 $55,000 $168,000
Other 22 $2,344,000 $106,000 $264,000 $70,000 $206,000
Credit Application Incomplete 19 $2,160,000 $113,000 $257,000 $65,000 $400,000
Insufficient Cash (Downpayment, Closing Cost) 6 $270,000 $45,000 $64,000 $24,000 $46,000
Employment History 4 $416,000 $104,000 $233,000 $36,000 $72,000
Unverifiable Information 2 $166,000 $83,000 $111,000 $75,000 $90,000
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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