Williams County, OH Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,357 mortgage applications in Williams County, OH totaling $165.1 million, up 8% from 2023. The average application was for $121,000, and applicants reported an average income of $79,000. 57% of applications resulted in an originated loan and 17% were denied. The most active lender was Premier Bank, with 230 applications, followed by The Farmers & Merchants State 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 | 1,357 |
| Total Mortgage Loan Application Amount | $165,085,000 |
| Average Mortgage Loan Application Amount | $121,000 |
| Highest Mortgage Loan Application Amount | $2,205,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $500,000 |
* 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 |
|---|---|---|---|---|
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ n/a | 230 | $ 21,250,000 |
| The Farmers & Merchants State Bank 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ n/a | 218 | $ 25,770,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 162 | $ 15,360,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ n/a | 131 | $ 15,435,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 84 | $ 12,950,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 33 | $ 6,775,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 22 | $ 1,470,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 22 | $ 3,100,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 15 | $ 1,255,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 15 | $ 2,195,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 15 | $ 805,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 13 | $ 1,835,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 12 | $ 1,080,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 12 | $ 2,070,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 12 | $ 1,360,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 11 | $ 1,215,000 |
| The Sherwood State Bank 105 N HARRISON PO BOX 4546 SHERWOOD, OH 43556 |
* | $ n/a | 10 | $ 1,080,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 9 | $ 785,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 9 | $ 645,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 9 | $ 1,665,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 1,480,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 8 | $ 1,030,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 8 | $ 1,080,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ n/a | 8 | $ 550,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 7 | $ 295,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 525,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 7 | $ 1,295,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 7 | $ 305,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 7 | $ 1,495,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 7 | $ 585,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 6 | $ 760,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 1,120,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ n/a | 6 | $ 1,000,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 6 | $ 670,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 645,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 5 | $ 885,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 5 | $ 615,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 5 | $ 705,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 4 | $ 550,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 220,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 750,000 |
| Howard Hanna Financial Services, Inc 1000 GAMMA DRIVE PITTSBURGH, PA 15238 |
* | $ n/a | 4 | $ 660,000 |
| Civista Bank 100 EAST WATER ST SANDUSKY, OH 44870 |
* | $ n/a | 4 | $ 1,560,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 3 | $ 285,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 185,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ n/a | 3 | $ 705,000 |
| First Choice Mh LLC 600 W 22ND STREET OAK BROOK, IL 60523 |
* | $ n/a | 3 | $ 215,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 3 | $ 355,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 3 | $ 665,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 615,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 925,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 465,000 |
| Southern Michigan Bank & Trust 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ n/a | 3 | $ 775,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 3 | $ 325,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ n/a | 2 | $ 310,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 180,000 |
| Farmers State Bank 220 S. DETROIT STREET LAGRANGE, IN 46761 |
* | $ n/a | 2 | $ 100,000 |
| Milend, Inc 375 NORTHRIDGE RD, SUITE 600 ALPHARETTA, GA 30009 |
* | $ n/a | 2 | $ 340,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ n/a | 2 | $ 240,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ n/a | 2 | $ 330,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ n/a | 2 | $ 180,000 |
| The Citizens National Bank 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ n/a | 2 | $ 140,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ n/a | 2 | $ 340,000 |
| The Antwerp Exchange Bank Company 305 S MAIN ST ANTWERP, OH 45813 |
* | $ n/a | 2 | $ 420,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 2 | $ 390,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ n/a | 2 | $ 250,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ n/a | 2 | $ 340,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 230,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 330,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 355,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ n/a | 1 | $ 135,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 145,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 185,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 185,000 |
| Everence Federal Credit Union 2160 LINCOLN HWY E, STE 20 LANCASTER, PA 17602 |
* | $ n/a | 1 | $ 85,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ n/a | 1 | $ 165,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 105,000 |
| The Genoa Banking Company 801 MAIN STREET GENOA, OH 43430 |
* | $ n/a | 1 | $ 135,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 225,000 |
| Member One Federal Credit Union P.O. BOX 12288 ROANOKE, VA 24024 |
* | $ n/a | 1 | $ 215,000 |
| Luminate Home Loans, Inc. 2523 WAYZATA BLVD SUITE 200 MINNEAPOLIS, MN 55405 |
* | $ n/a | 1 | $ 145,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ n/a | 1 | $ 75,000 |
| Stride Bank, National Association 324 WEST BROADWAY AVENUE ENID, OK 73701 |
* | $ n/a | 1 | $ 145,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 55,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 125,000 |
| Rpe Home, Inc 1312 17TH STREET SUITE 71618 DENVER, CO 80202 |
* | $ n/a | 1 | $ 135,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 115,000 |
| Consumers Credit Union PO BOX 525 KALAMAZOO, MI 49009 |
* | $ n/a | 1 | $ 265,000 |
| Waterford Bank, N.A. 3900 N. MCCORD RD TOLEDO, OH 43617 |
* | $ n/a | 1 | $ 55,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 445,000 |
| County National Bank ONE SOUTH HOWELL ST HILLSDALE, MI 49242 |
* | $ n/a | 1 | $ 75,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ n/a | 1 | $ 55,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ n/a | 1 | $ 125,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 145,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 245,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 35,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 85,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 105,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 165,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 255,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 1 | $ 375,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 165,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ n/a | 1 | $ 145,000 |
| Gold Star Mortgage Financial Group, Corporation 2350 GREEN ROAD SUITE 100B ANN ARBOR, MI 48105 |
* | $ n/a | 1 | $ 135,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ n/a | 1 | $ 75,000 |
| Beacon Credit Union 586 S WABASH ST WABASH, IN 46992 |
* | $ n/a | 1 | $ 145,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 95,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 125,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 625,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 75,000 |
| Directions Credit Union 5121 WHITEFORD ROAD TOLEDO, OH 43604 |
* | $ n/a | 1 | $ 35,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 1 | $ 2,205,000 |
| Southpoint Financial Services, Inc. 5955 SHILOH ROAD EAST, SUITE 200 ALPHARETTA, GA 30005 |
* | $ n/a | 1 | $ 175,000 |
| Ag Credit, Aca 610 W. LYTLE ST. FOSTORIA, OH 44830 |
* | $ n/a | 1 | $ 105,000 |
| Boxcar Mortgage, LLC 664 SEMINOLE AVE NE #101 ATLANTA, GA 30307 |
* | $ n/a | 1 | $ 65,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 15,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 95,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 305,000 |
| Fort Financial Credit Union 3102 SPRING ST FORT WAYNE, IN 46818 |
* | $ n/a | 1 | $ 175,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 145,000 |
The tables below break down 2024 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 2024
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 | 650 | $100,810,000 | $155,000 | $1,165,000 | $76,000 | $372,000 |
| Home Improvement | 211 | $11,375,000 | $53,000 | $285,000 | $86,000 | $459,000 |
| Cash-out Refinancing | 184 | $20,180,000 | $109,000 | $505,000 | $71,000 | $267,000 |
| Other Purpose | 158 | $10,530,000 | $66,000 | $345,000 | $85,000 | $500,000 |
| Refinancing | 154 | $22,190,000 | $144,000 | $2,205,000 | $81,000 | $328,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,155 | $135,175,000 | $117,000 | $625,000 | $79,000 | $459,000 |
| Not Provided | 84 | $10,810,000 | $128,000 | $355,000 | $85,000 | $500,000 |
| Not applicable | 60 | $12,290,000 | $204,000 | $2,205,000 | $0 | $0 |
| Hispanic | 45 | $5,165,000 | $114,000 | $525,000 | $71,000 | $197,000 |
| American Indian or Alaskan Native | 6 | $670,000 | $111,000 | $165,000 | $63,000 | $84,000 |
| Asian | 4 | $470,000 | $117,000 | $175,000 | $53,000 | $90,000 |
| Black or African American | 3 | $505,000 | $168,000 | $215,000 | $53,000 | $63,000 |
| 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) | 1,059 | $117,535,000 | $110,000 | $2,205,000 | $82,000 | $500,000 |
| FHA-insured (Federal Housing Administration) | 179 | $24,865,000 | $138,000 | $445,000 | $59,000 | $199,000 |
| VA-guaranteed (Veterans Administration) | 98 | $19,640,000 | $200,000 | $405,000 | $85,000 | $204,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $3,045,000 | $145,000 | $195,000 | $64,000 | $91,000 |
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 | 779 | $96,775,000 | $124,000 | $1,165,000 | $82,000 | $459,000 |
| Application Denied By Financial Institution | 229 | $19,555,000 | $85,000 | $455,000 | $64,000 | $385,000 |
| Application Withdrawn By Applicant | 152 | $20,020,000 | $131,000 | $445,000 | $82,000 | $325,000 |
| Loan Purchased By The Institution | 69 | $10,735,000 | $155,000 | $315,000 | $67,000 | $193,000 |
| File Closed For Incompleteness | 42 | $4,700,000 | $111,000 | $255,000 | $100,000 | $500,000 |
| Preapproval Approved but not Accepted | 34 | $5,340,000 | $157,000 | $315,000 | $68,000 | $191,000 |
| Application Approved But Not Accepted | 29 | $4,805,000 | $165,000 | $2,205,000 | $78,000 | $328,000 |
| Preapproval Denied by Financial Institution | 23 | $3,155,000 | $137,000 | $475,000 | $60,000 | $337,000 |
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 | 1,090 | $140,100,000 | $128,000 | $2,205,000 | $82,000 | $500,000 |
| Credit History | 95 | $6,965,000 | $73,000 | $345,000 | $59,000 | $337,000 |
| Debt-To-Income Ratio | 79 | $9,305,000 | $117,000 | $475,000 | $52,000 | $186,000 |
| Credit Application Incomplete | 38 | $3,870,000 | $101,000 | $225,000 | $83,000 | $385,000 |
| Collateral | 32 | $2,520,000 | $78,000 | $255,000 | $85,000 | $217,000 |
| Other | 12 | $1,020,000 | $85,000 | $195,000 | $67,000 | $227,000 |
| Unverifiable Information | 7 | $695,000 | $99,000 | $145,000 | $86,000 | $156,000 |
| Employment History | 2 | $140,000 | $70,000 | $85,000 | $16,000 | $33,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $470,000 | $235,000 | $355,000 | $100,000 | $140,000 |
| 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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