White County, IN Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,280 mortgage applications in White County, IN totaling $147.3 million, up 2% from 2017. The average application was for $115,000, and applicants reported an average income of $75,000. 50% of applications resulted in an originated loan and 19% were denied. The most active lender was First Merchants Bank, with 204 applications, followed by Ruoff Mortgage Company 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 1,280
Total Mortgage Loan Application Amount $147,270,000
Average Mortgage Loan Application Amount $115,000
Highest Mortgage Loan Application Amount $565,000
Average Applicant Income $75,000
Highest Applicant Income $846,000

Mortgage Company List for Lending in White County, IN 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
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 9,352,196,000 204 $ 15,960,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 72 $ 9,440,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 50 $ 6,320,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,947,088,000 49 $ 7,445,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 1,189,607,000 47 $ 5,715,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 34 $ 3,540,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 31 $ 3,875,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 3,310,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 25 $ 3,605,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 25 $ 2,685,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 24 $ 3,210,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 23 $ 2,955,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 23 $ 2,305,000
Bank of Wolcott
PO BOX 336
WOLCOTT, IN 47995
* $ 157,042,000 20 $ 2,100,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 17,422,977,000 20 $ 1,620,000
Alliance Bank
101 W MONTGOMERY ST.
FRANCESVILLE, IN 47946
* $ 307,486,000 18 $ 2,670,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 18 $ 2,050,000
Industrial Federal C. U.
1115 SAGAMORE PARKWAY SOUTH
LAFAYETTE, IN 47905
* $ 185,598,000 16 $ 680,000
The Fountain Trust Company
615 THIRD ST.
COVINGTON, IN 47932
* $ 368,335,000 16 $ 1,450,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 12 $ 1,450,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 12 $ 1,070,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 12 $ 1,380,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 11 $ 1,075,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 995,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 11 $ 1,145,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 10 $ 1,250,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 1,750,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 10 $ 1,240,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 10 $ 1,620,000
Salin Bank and Trust Company
8455 KEYSTONE CROSSING DR.
INDIANAPOLIS, IN 46240
* $ 868,405,000 9 $ 825,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 1,395,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 9 $ 2,635,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 9 $ 445,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 9 $ 425,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 1,145,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 8 $ 760,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 8 $ 940,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 8 $ 550,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 7 $ 565,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 14,014,053,000 7 $ 545,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 7 $ 725,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 7 $ 1,015,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 7 $ 755,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 6 $ 640,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 6 $ 910,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 6 $ 780,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 6 $ 960,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 6 $ 640,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 590,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 109,372,608,000 5 $ 495,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 5 $ 1,075,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 5 $ 685,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 5 $ 385,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 935,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 5 $ 385,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 5 $ 655,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 585,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 4 $ 330,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,127,992,000 4 $ 350,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 620,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,671,238,000 4 $ 530,000
Security Federal Savings Bank
314 4TH ST
LOGANSPORT, IN 46947
* $ 242,454,000 4 $ 440,000
Platinum Home Mortgage Corporation
2200 HICKS RD, STE 101
SPRINGFIELD, IL 60008
* $ -1,000 4 $ 390,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 4 $ 520,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 5,886,559,000 4 $ 250,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 1,434,417,000 4 $ 360,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 620,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 845,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 3 $ 635,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 515,000
Bankers' Bank
7700 MINERAL POINT ROAD
MADISON, WI 53717
* $ 690,531,000 3 $ 525,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 3 $ 475,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 3 $ 185,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 405,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 265,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 3 $ 275,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 385,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 399,954,000 3 $ 465,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 3 $ 295,000
Kentland Bank
PO BOX 145 612 E DUNLAP ST
KENTLAND, IN 47951
* $ 293,288,000 3 $ 385,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 3 $ 215,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 3,958,360,000 3 $ 405,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 2 $ 280,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 160,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 220,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 290,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 2 $ 170,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 2 $ 190,000
Mld Mortgage, Inc.Dba the Money Store
30 B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ -1,000 2 $ 250,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 2 $ 250,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 190,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 120,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 2 $ 190,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 2 $ 480,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 2 $ 270,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 130,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 300,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 2 $ 200,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ 1,829,052,000 2 $ 310,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 2 $ 210,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 400,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 2 $ 230,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 185,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 15,286,549,000 1 $ 75,000
First American Bank
80 STRATFORD DRIVE
ELK GROVE VILLAGE, IL 60007
* $ 3,740,932,000 1 $ 225,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,384,000 1 $ 245,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 65,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 1 $ 125,000
Solidarity Community Federal Credit Union
201 SOUTHWAY BLVD EAST
KOKOMO, IN 46902
* $ 236,885,000 1 $ 95,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 1 $ 235,000
Fowler State Bank
300 E 5TH ST
FOWLER, IN 47944
* $ 158,922,000 1 $ 175,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ -1,000 1 $ 95,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 472,374,000 1 $ 155,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,416,347,000 1 $ 95,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 175,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 65,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 145,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 195,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 1 $ 125,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 145,000
X - Financial Builders FCU - Deconverted
2828 S. LAFOUNTAIN ST
KOKOMO, IN 46904
* $ 90,393,000 1 $ 75,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 1 $ 165,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 65,127,000,000 1 $ 195,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 5,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 1 $ 45,000
Community State Bank
PO BOX 157
BROOK, IN 47922
* $ 61,091,000 1 $ 55,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 105,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ 4,669,969,000 1 $ 35,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 35,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 95,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 1 $ 225,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 105,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 1 $ 235,000
Ranlife, Inc.
9272 S. 700 E.
SANDY, UT 84070
* $ -1,000 1 $ 105,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 45,000
Bank of O'fallon
901 S. LINCOLN AVE
O'FALLON, IL 62269
* $ 302,678,000 1 $ 195,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 175,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 175,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 95,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 15,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 85,000
The Farmers Bank
9 E CLINTON ST
FRANKFORT, IN 46041
* $ 540,651,000 1 $ 15,000
Demotte State Bank
PO BOX 400
DEMOTTE, IN 46310
* $ 404,670,000 1 $ 25,000
First Trust Bank of Illinois
275 E COURT ST
KANKAKEE, IL 60901
* $ 245,243,000 1 $ 125,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,368,655,000 1 $ 125,000
The Farmers & Merchants Bank
302 S. OLD U.S. HIGHWAY 41 P.O. BOX 519
BOSWELL, IN 47921
* $ 129,426,000 1 $ 225,000
The National Bank of Indianapolis
107 N PENNSYLVANIA STREET, SUITE 300
INDIANAPOLIS, IN 46204
* $ 2,116,542,000 1 $ 565,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 6,681,526,000 1 $ 95,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 1 $ 175,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 225,000
Ocwen Loan Servicing, LLC
1661 WORTHINGTION ROAD SUITE 100
WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 45,000
First Centennial Mortgage Corporation
2471 W SULLIVAN ROAD
CHICAGO, IL 60506
* $ -1,000 1 $ 125,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 55,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 135,000
Countryside Bank
6734 JOLIET ROAD
COUNTRYSIDE, IL 60525
* $ 553,280,000 1 $ 475,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000

The tables below break down 2018 mortgage applications in White 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 White County, IN 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 628 $87,130,000 $138,000 $565,000 $79,000 $846,000
Cash-out Refinancing 211 $24,875,000 $117,000 $435,000 $66,000 $540,000
Refinancing 172 $19,010,000 $110,000 $455,000 $72,000 $340,000
Other Purpose 152 $9,110,000 $59,000 $245,000 $74,000 $280,000
Home Improvement 86 $4,520,000 $52,000 $395,000 $75,000 $260,000
Not Applicable 31 $2,625,000 $84,000 $475,000 $80,000 $148,000

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 1,002 $115,170,000 $114,000 $565,000 $75,000 $846,000
Not applicable 137 $16,225,000 $118,000 $475,000 $88,000 $259,000
Not Provided 105 $12,845,000 $122,000 $365,000 $79,000 $301,000
Hispanic 25 $1,825,000 $73,000 $165,000 $42,000 $98,000
Black or African American 6 $810,000 $135,000 $205,000 $93,000 $325,000
Asian 4 $330,000 $82,000 $105,000 $34,000 $69,000
American Indian or Alaskan Native 1 $65,000 $65,000 $65,000 $24,000 $24,000
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) 852 $97,910,000 $114,000 $565,000 $85,000 $846,000
FHA-insured (Federal Housing Administration) 241 $27,595,000 $114,000 $285,000 $51,000 $162,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 113 $11,065,000 $97,000 $205,000 $42,000 $75,000
VA-guaranteed (Veterans Administration) 74 $10,700,000 $144,000 $405,000 $61,000 $266,000

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 639 $77,975,000 $122,000 $565,000 $83,000 $846,000
Application Denied By Financial Institution 242 $22,490,000 $92,000 $435,000 $60,000 $260,000
Loan Purchased By The Institution 183 $23,505,000 $128,000 $475,000 $75,000 $259,000
Application Withdrawn By Applicant 134 $14,940,000 $111,000 $405,000 $72,000 $325,000
File Closed For Incompleteness 53 $4,975,000 $93,000 $285,000 $52,000 $301,000
Application Approved But Not Accepted 29 $3,385,000 $116,000 $365,000 $79,000 $301,000
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
Not applicable 1,015 $121,455,000 $119,000 $565,000 $79,000 $846,000
Debt-To-Income Ratio 90 $10,890,000 $121,000 $475,000 $65,000 $284,000
Credit History 65 $4,705,000 $72,000 $275,000 $57,000 $199,000
Collateral 58 $4,970,000 $85,000 $235,000 $67,000 $260,000
Credit Application Incomplete 22 $2,610,000 $118,000 $295,000 $61,000 $162,000
Other 17 $1,795,000 $105,000 $195,000 $63,000 $135,000
Unverifiable Information 8 $510,000 $63,000 $125,000 $58,000 $200,000
Insufficient Cash (Downpayment, Closing Cost) 4 $300,000 $75,000 $105,000 $49,000 $88,000
Employment History 1 $35,000 $35,000 $35,000 $30,000 $30,000
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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