Wexford County, MI Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,246 mortgage applications in Wexford County, MI totaling $117.5 million, down 5% from 2012. The average application was for $94,000, and applicants reported an average income of $57,000. 50% of applications resulted in an originated loan and 17% were denied. The most active lender was JPMorgan Chase Bank, NA, with 139 applications, followed by Chemical Bank and Wells Fargo Bank NA.
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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 | 1,246 |
| Total Mortgage Loan Application Amount | $117,462,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $653,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $504,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 139 | $ 13,294,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 5,904,498,000 | 119 | $ 11,513,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 79 | $ 7,275,000 |
| Fifth Third Mortgage, Mi LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 79 | $ 7,599,000 |
| Firstmerit Bank NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 14,901,417,000 | 78 | $ 4,351,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 74 | $ 4,858,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 52 | $ 5,338,000 |
| Mortgage300 Corporation 10 SE CENTRAL PARKWAY SUITE 325 STUART, FL 34994 |
* | $ 500,000 | 52 | $ 5,067,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 45 | $ 4,114,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 45 | $ 4,083,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 34 | $ 2,500,000 |
| Mortgage 1 Incorporated 43456 MOUND ROAD STERLING HEIGHTS, MI 48314 |
* | $ 9,135,000 | 33 | $ 2,951,000 |
| Wmcu 1319 FRONT AVE NW GRAND RAPIDS, MI 49504 |
* | $ 128,190,000 | 28 | $ 2,058,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 23 | $ 2,621,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 22 | $ 3,034,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 21 | $ 1,872,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 17 | $ 1,638,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 17 | $ 1,931,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 14 | $ 485,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 13 | $ 1,613,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 13 | $ 1,583,000 |
| Mortgage Center Lc 26555 EVERGREEN RD SUITE 900 SOUTHFIELD, MI 48076 |
* | $ 30,000,000 | 11 | $ 901,000 |
| Lake Michigan Credit Union PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 2,731,663,000 | 9 | $ 1,091,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 9 | $ 886,000 |
| Neighborhood Mortgage Solutions, LLC PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 8 | $ 837,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 543,088,000 | 7 | $ 198,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 6 | $ 644,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 6 | $ 522,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,021,254,000 | 5 | $ 438,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 5 | $ 849,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 5 | $ 598,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,344,663,000 | 5 | $ 342,000 |
| Mbank 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 545,696,000 | 5 | $ 494,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 5 | $ 485,000 |
| Wildfire Credit Union 6640 BAY RD SAGINAW, MI 48605 |
* | $ 677,491,000 | 5 | $ 182,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 5 | $ 495,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 4 | $ 659,000 |
| United Bank Mortgage Corporati 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 264,000,000 | 4 | $ 327,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 423,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 3 | $ 557,000 |
| Wolverine Bank FSB 5710 EASTMAN AVE MIDLAND, MI 48640 |
* | $ 284,479,000 | 3 | $ 209,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 397,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 3 | $ 236,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 344,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 3 | $ 278,000 |
| Firstmerit Mortgage Corp 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 3 | $ 289,000 |
| Nycb Mortgage Company, LLC 1801 EAST 9TH STREET CLEVELAND, OH 44114 |
* | $ 75,001,000 | 2 | $ 284,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 2 | $ 368,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 2 | $ 140,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 2 | $ 271,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 425,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ 10,000,000 | 2 | $ 364,000 |
| Isabella Bank 139 E. BROADWAY MT PLEASANT, MI 48858 |
* | $ 1,376,739,000 | 2 | $ 740,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 390,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 2 | $ 74,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 125,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 67,000 |
| Guardian Mortgage Company, Inc 100 N. CENTRAL EXPRESSWAY SUITE 190 RICHARDSON, TX 75083 |
* | $ 10,000,000 | 2 | $ 279,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 147,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 443,431,000 | 2 | $ 143,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 270,671,000 | 2 | $ 147,000 |
| The Shelby State Bank 242 N MICHIGAN AVE SHELBY, MI 49455 |
* | $ 222,753,000 | 1 | $ 60,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 212,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 187,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 41,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 38,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 1 | $ 55,000 |
| Hantz Bank 26200 AMERICAN DRIVE, 2ND FLOOR SOUTHFIELD, MI 48034 |
* | $ 119,772,000 | 1 | $ 75,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 1 | $ 165,000 |
| Summit Community Bank 1600 ABBOT RD EAST LANSING, MI 48823 |
* | $ 160,682,000 | 1 | $ 64,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ 1,912,000 | 1 | $ 78,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,482,505,000 | 1 | $ 50,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 113,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 111,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 120,000 |
| Staunton Financial Inc 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48076 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 385,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 475,008,000 | 1 | $ 204,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 86,000 |
| Origen Financial Services, LLC 27777 FRANKLIN RD. SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 33,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 238,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 2,031,038,000 | 1 | $ 316,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 1 | $ 25,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 1 | $ 150,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 1 | $ 147,000 |
| Case Credit Union PO BOX 22158 4316 SOUTH PENNSYLVANIA AVENUE LANSING, MI 48909 |
* | $ 229,297,000 | 1 | $ 3,000 |
| Credit Union One 400 E NINE MILE RD FERNDALE, MI 48220 |
* | $ 772,489,000 | 1 | $ 30,000 |
| Andigo Credit Union 1501 E WOODFIELD RD SCHAUMBURG, IL 60173 |
* | $ 872,444,000 | 1 | $ 113,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Northern Ohio Investment Company 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 261,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Huron Valley Financial, Inc. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Vandyk Mortgage Corporation 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Tlc Community Credit Union 3030 S ADRIAN HWY ADRIAN, MI 49221 |
* | $ 333,671,000 | 1 | $ 176,000 |
| Financialedge Credit Union 1199 S. EUCLID AVE. BAY CITY, MI 48706 |
* | $ 77,745,000 | 1 | $ 112,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 1 | $ 176,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 36,000 |
| Gerber Federal Credit Union 508 STATE STREET PO BOX 116 FREMONT, MI 49412 |
* | $ 123,709,000 | 1 | $ 48,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 91,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 16,553,533,000 | 1 | $ 120,000 |
| Main Street Bank 31780 TELEGRAPH ROAD, SUITE 100 BINGHAM FARMS, MI 48025 |
* | $ 144,905,000 | 1 | $ 93,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 1 | $ 81,000 |
| Horizon Bank, N.A. 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 1,845,560,000 | 1 | $ 77,000 |
| Community Financial Credit Uni PO BOX 8050 PLYMOUTH, MI 48170 |
* | $ 511,526,000 | 1 | $ 88,000 |
| Ukrainian Selfreliance Mfcu 26791 RYAN WARREN, MI 48091 |
* | $ 115,973,000 | 1 | $ 32,000 |
| True Community Credit Union 1100 CLINTON RD JACKSON, MI 49202 |
* | $ 363,844,000 | 1 | $ 150,000 |
The tables below break down 2013 mortgage applications in Wexford County, MI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Wexford County, MI in 2013
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 | 726 | $73,602,000 | $101,000 | $653,000 | $60,000 | $504,000 |
| Home Purchase | 421 | $40,852,000 | $97,000 | $395,000 | $52,000 | $418,000 |
| Home Improvement | 99 | $3,008,000 | $30,000 | $157,000 | $57,000 | $180,000 |
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 | 1,074 | $100,228,000 | $93,000 | $653,000 | $58,000 | $504,000 |
| Not applicable | 76 | $7,314,000 | $96,000 | $254,000 | $20,000 | $212,000 |
| Not Provided | 72 | $7,604,000 | $105,000 | $612,000 | $74,000 | $409,000 |
| Hispanic | 12 | $1,108,000 | $92,000 | $170,000 | $69,000 | $153,000 |
| American Indian or Alaskan Native | 9 | $771,000 | $85,000 | $395,000 | $61,000 | $144,000 |
| Asian | 3 | $437,000 | $145,000 | $213,000 | $214,000 | $418,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 877 | $81,338,000 | $92,000 | $653,000 | $66,000 | $504,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 179 | $15,717,000 | $87,000 | $166,000 | $32,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 146 | $14,858,000 | $101,000 | $267,000 | $39,000 | $133,000 |
| VA-guaranteed (Veterans Administration) | 44 | $5,549,000 | $126,000 | $395,000 | $43,000 | $102,000 |
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 | 625 | $58,694,000 | $93,000 | $653,000 | $65,000 | $481,000 |
| Loan Purchased By The Institution | 221 | $21,782,000 | $98,000 | $271,000 | $30,000 | $212,000 |
| Application Denied By Financial Institution | 214 | $18,161,000 | $84,000 | $612,000 | $52,000 | $404,000 |
| Application Withdrawn By Applicant | 93 | $9,638,000 | $103,000 | $385,000 | $73,000 | $504,000 |
| Application Approved But Not Accepted | 55 | $5,378,000 | $97,000 | $318,000 | $57,000 | $215,000 |
| File Closed For Incompleteness | 38 | $3,809,000 | $100,000 | $356,000 | $70,000 | $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 |
|---|---|---|---|---|---|---|
| Collateral | 54 | $6,430,000 | $119,000 | $612,000 | $67,000 | $230,000 |
| Credit History | 44 | $2,370,000 | $53,000 | $204,000 | $50,000 | $168,000 |
| Debt-To-Income Ratio | 37 | $3,047,000 | $82,000 | $251,000 | $34,000 | $91,000 |
| Credit Application Incomplete | 25 | $2,007,000 | $80,000 | $163,000 | $47,000 | $153,000 |
| Other | 13 | $473,000 | $36,000 | $108,000 | $45,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $211,000 | $105,000 | $150,000 | $28,000 | $30,000 |
| Mortgage Insurance Denied | 1 | $48,000 | $48,000 | $48,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $122,000 | $122,000 | $122,000 | $147,000 | $147,000 |
| Employment History | 1 | $120,000 | $120,000 | $120,000 | $26,000 | $26,000 |
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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