Williams County, OH Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,254 mortgage applications in Williams County, OH totaling $153.7 million, down 22% from 2022. The average application was for $122,000, and applicants reported an average income of $76,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was The Farmers & Merchants State Bank, with 207 applications, followed by Premier Bank and Huntington National 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 | 1,254 |
| Total Mortgage Loan Application Amount | $153,720,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $4,455,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,335,000 |
* 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 |
|---|---|---|---|---|
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 3,002,849,000 | 207 | $ 23,505,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 8,408,012,000 | 198 | $ 18,010,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 163 | $ 15,595,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 1,325,575,000 | 106 | $ 12,200,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 83 | $ 11,015,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 30 | $ 5,100,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 19 | $ 2,615,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 19 | $ 985,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 19 | $ 1,625,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 15 | $ 2,845,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 12 | $ 2,070,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 11 | $ 1,155,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 11 | $ 1,605,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 11 | $ 925,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 10 | $ 2,360,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 10 | $ 1,330,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 9 | $ 405,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 9 | $ 405,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 9 | $ 1,665,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 9 | $ 1,365,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,915,645,000 | 8 | $ 830,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 1,610,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 8 | $ 920,000 |
| The Sherwood State Bank 105 N HARRISON PO BOX 4546 SHERWOOD, OH 43556 |
* | $ 88,375,000 | 7 | $ 1,325,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 7 | $ 725,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 7 | $ 995,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 6 | $ 670,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 6 | $ 700,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 6 | $ 1,070,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 820,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 5 | $ 755,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 5 | $ 685,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 5 | $ 615,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 5 | $ 895,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 5 | $ 845,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 5 | $ 555,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 4 | $ 440,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 370,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 4 | $ 690,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 2,236,753,000 | 4 | $ 500,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 3 | $ 845,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 3 | $ 85,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 105,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ -1,000 | 3 | $ 555,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 655,000 |
| First Choice Mh LLC 600 W 22ND STREET OAK BROOK, IL 60523 |
* | $ -1,000 | 3 | $ 225,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 3 | $ 395,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ 1,511,702,000 | 3 | $ 305,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 265,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 969,379,000 | 3 | $ 615,000 |
| The Antwerp Exchange Bank Company 305 S MAIN ST ANTWERP, OH 45813 |
* | $ 151,975,000 | 3 | $ 345,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 3 | $ 395,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 325,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 360,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 2 | $ 310,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 2 | $ 150,000 |
| Waterford Bank, N.A. 3900 N. MCCORD RD TOLEDO, OH 43617 |
* | $ 1,561,553,000 | 2 | $ 120,000 |
| Civista Bank 100 EAST WATER ST SANDUSKY, OH 44870 |
* | $ 3,533,305,000 | 2 | $ 4,340,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 260,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ -1,000 | 2 | $ 410,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 300,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 2 | $ 300,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 2 | $ 290,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ 1,165,269,000 | 2 | $ 230,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 2 | $ 190,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 250,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 120,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 2 | $ 390,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 43,726,588,000 | 2 | $ 310,000 |
| Schumacher Mortgage LLC 2715 WISE AVENUE SUITE 100 CANTON, OH 44708 |
* | $ -1,000 | 2 | $ 700,000 |
| Sun Federal Credit Union 1627 HOLLAND ROAD MAUMEE, OH 43537 |
* | $ 653,419,000 | 2 | $ 170,000 |
| Bankers' Bank 7700 MINERAL POINT ROAD MADISON, WI 53717 |
* | $ 1,382,388,000 | 2 | $ 270,000 |
| Fourleaf Federal Credit Union 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 45,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 175,000 |
| Interra Credit Union 300 W LINCOLN AVE GOSHEN, IN 46527 |
* | $ 1,729,955,000 | 1 | $ 115,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 135,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ -1,000 | 1 | $ 205,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ -1,000 | 1 | $ 115,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 125,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 18,739,008,000 | 1 | $ 145,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 28,274,145,000 | 1 | $ 135,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 155,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 670,799,000 | 1 | $ 15,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 35,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 181,890,000,000 | 1 | $ 235,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 165,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 4,469,837,000 | 1 | $ 35,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 165,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ 338,010,000 | 1 | $ 115,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 65,000 |
| Open Mortgage, LLC RICHARDSON, TX 75080 |
* | $ -1,000 | 1 | $ 85,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 55,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ -1,000 | 1 | $ 25,000 |
| Waterstone Bank SSB 11200 WEST PLANK COURT WAUWATOSA, WI 53226 |
* | $ 2,027,068,000 | 1 | $ 4,455,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 3,908,828,000 | 1 | $ 25,000 |
| First Federal Savings & Loan Association of Lorain 3721 OBERLIN AVE LORAIN, OH 44053 |
* | $ 526,440,000 | 1 | $ 105,000 |
| Telhio Credit Union, Inc. 96 N. 4TH STREET COLUMBUS, OH 43215 |
* | $ 1,380,467,000 | 1 | $ 25,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 7,794,340,000 | 1 | $ 25,000 |
| Beacon Credit Union 586 S WABASH ST WABASH, IN 46992 |
* | $ 1,501,056,000 | 1 | $ 105,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 7,794,453,000 | 1 | $ 15,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 205,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 135,000 |
| First Ohio Home Finance 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 85,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 55,000 |
| Corporate America Family CU 2445 ALFT LANE ELGIN, IL 60123 |
* | $ 839,531,000 | 1 | $ 15,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| Dominion Financial Services, LLC 1029 N CALVERT ST BALTIMORE, MD 21202 |
* | $ -1,000 | 1 | $ 45,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ 9,123,708,000 | 1 | $ 75,000 |
| The Genoa Banking Company 801 MAIN STREET GENOA, OH 43430 |
* | $ 538,273,000 | 1 | $ 45,000 |
| Independent Bank 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 4,995,759,000 | 1 | $ 175,000 |
| Kiavi Funding, Inc. 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 105,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 305,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 155,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 125,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 205,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 85,000 |
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 1,272,193,000 | 1 | $ 95,000 |
The tables below break down 2023 mortgage applications in Williams 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 Williams County, OH in 2023
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 | 695 | $109,445,000 | $157,000 | $4,455,000 | $74,000 | $500,000 |
| Cash-out Refinancing | 189 | $20,165,000 | $106,000 | $305,000 | $74,000 | $354,000 |
| Home Improvement | 154 | $7,720,000 | $50,000 | $205,000 | $89,000 | $1,335,000 |
| Other Purpose | 113 | $6,545,000 | $57,000 | $255,000 | $75,000 | $260,000 |
| Refinancing | 101 | $9,775,000 | $96,000 | $525,000 | $70,000 | $242,000 |
| Not Applicable | 2 | $70,000 | $35,000 | $35,000 | $38,000 | $38,000 |
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 | 1,038 | $116,870,000 | $112,000 | $615,000 | $75,000 | $500,000 |
| Not Provided | 82 | $9,910,000 | $120,000 | $495,000 | $91,000 | $1,335,000 |
| Not applicable | 76 | $20,520,000 | $270,000 | $4,455,000 | $33,000 | $54,000 |
| Hispanic | 41 | $4,865,000 | $118,000 | $305,000 | $86,000 | $242,000 |
| American Indian or Alaskan Native | 9 | $855,000 | $95,000 | $195,000 | $47,000 | $85,000 |
| Black or African American | 5 | $465,000 | $93,000 | $145,000 | $35,000 | $42,000 |
| Asian | 3 | $235,000 | $78,000 | $105,000 | $62,000 | $68,000 |
| 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) | 959 | $108,465,000 | $113,000 | $4,455,000 | $78,000 | $1,335,000 |
| FHA-insured (Federal Housing Administration) | 173 | $23,555,000 | $136,000 | $395,000 | $62,000 | $194,000 |
| VA-guaranteed (Veterans Administration) | 88 | $17,410,000 | $197,000 | $585,000 | $83,000 | $344,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,290,000 | $126,000 | $225,000 | $55,000 | $104,000 |
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 | 712 | $87,330,000 | $122,000 | $4,455,000 | $78,000 | $500,000 |
| Application Denied By Financial Institution | 196 | $16,670,000 | $85,000 | $355,000 | $74,000 | $1,335,000 |
| Application Withdrawn By Applicant | 143 | $22,405,000 | $156,000 | $4,235,000 | $64,000 | $229,000 |
| Loan Purchased By The Institution | 73 | $11,705,000 | $160,000 | $585,000 | $78,000 | $344,000 |
| File Closed For Incompleteness | 40 | $3,980,000 | $99,000 | $315,000 | $86,000 | $309,000 |
| Preapproval Approved but not Accepted | 32 | $4,980,000 | $155,000 | $335,000 | $66,000 | $192,000 |
| Preapproval Denied by Financial Institution | 32 | $4,570,000 | $142,000 | $295,000 | $77,000 | $200,000 |
| Application Approved But Not Accepted | 26 | $2,080,000 | $80,000 | $195,000 | $86,000 | $194,000 |
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 | $126,325,000 | $124,000 | $4,235,000 | $76,000 | $500,000 |
| Credit History | 94 | $7,300,000 | $77,000 | $235,000 | $65,000 | $260,000 |
| Debt-To-Income Ratio | 66 | $12,510,000 | $189,000 | $4,455,000 | $65,000 | $230,000 |
| Collateral | 35 | $3,035,000 | $86,000 | $305,000 | $128,000 | $1,335,000 |
| Credit Application Incomplete | 25 | $2,535,000 | $101,000 | $215,000 | $72,000 | $170,000 |
| Other | 12 | $1,190,000 | $99,000 | $255,000 | $75,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $610,000 | $152,000 | $235,000 | $57,000 | $86,000 |
| Employment History | 2 | $190,000 | $95,000 | $135,000 | $87,000 | $102,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $106,000 | $106,000 |
| 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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