Wood County, WV Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 3,368 mortgage applications in Wood County, WV totaling $371.2 million, about the same as 2012. The average application was for $110,000, and applicants reported an average income of $67,000. 60% of applications resulted in an originated loan and 16% were denied. The most active lender was Peoples Bank, National Associa, with 393 applications, followed by Truist Bank and Community Bank of Parkersburg.
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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 | 3,368 |
| Total Mortgage Loan Application Amount | $371,210,000 |
| Average Mortgage Loan Application Amount | $110,000 |
| Highest Mortgage Loan Application Amount | $2,673,000 |
| Average Applicant Income | $67,000 |
| Highest Applicant Income | $4,300,000 |
* 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 |
|---|---|---|---|---|
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,911,841,000 | 393 | $ 41,500,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 319 | $ 36,550,000 |
| Community Bank of Parkersburg 631 JULIANA ST PARKERSBURG, WV 26101 |
* | $ 239,064,000 | 279 | $ 29,324,000 |
| United Bank Inc 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 4,932,825,000 | 180 | $ 24,337,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 6,065,555,000 | 180 | $ 22,598,000 |
| Williamstown Bank, Inc. 435 HIGHLAND AVE., WILLIAMSTOWN, WV 26187 |
* | $ 145,805,000 | 176 | $ 14,596,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 158 | $ 19,269,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 128 | $ 14,469,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 121 | $ 14,243,000 |
| West Virginia Central CU 1306 MURDOCH AVE PARKERSBURG, WV 26101 |
* | $ 108,102,000 | 116 | $ 8,637,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 763,188,000 | 105 | $ 12,232,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 102 | $ 11,451,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 79 | $ 5,421,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 71 | $ 9,444,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 69 | $ 4,870,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 54 | $ 5,220,000 |
| First Neighborhood Bank 216 MARKET STREET SPENCER, WV 25276 |
* | $ 144,420,000 | 43 | $ 7,192,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 42 | $ 3,461,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 36 | $ 3,104,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 35 | $ 4,262,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 34 | $ 3,867,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 34 | $ 4,200,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 30 | $ 3,392,000 |
| One Community Federal Credit Union 531 FIFTH STREET PARKERSBURG, WV 26101 |
* | $ 65,704,000 | 29 | $ 2,599,000 |
| Belpre Savings Bank POB 39 BELPRE, OH 45714 |
* | $ 47,925,000 | 28 | $ 2,045,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 23 | $ 2,347,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 22 | $ 2,856,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 22 | $ 2,246,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 19 | $ 2,451,000 |
| Union Bank, Inc. P.O. BOX 810 HUNDRED, WV 26149 |
* | $ 210,423,000 | 19 | $ 1,882,000 |
| Settlers Bank 115 THIRD STREET MARIETTA, OH 45750 |
* | $ 106,500,000 | 15 | $ 2,021,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 12 | $ 1,051,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 10 | $ 1,765,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 10 | $ 1,234,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 8 | $ 603,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 8 | $ 1,141,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 7 | $ 584,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 7 | $ 1,290,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 6 | $ 596,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 6 | $ 580,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 6 | $ 424,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 6 | $ 839,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 6 | $ 877,000 |
| Pleasants County Bank P O BOX 240 ST MARYS, WV 26170 |
* | $ 62,788,000 | 5 | $ 294,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 5 | $ 681,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ 12,167,000 | 5 | $ 667,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 5 | $ 571,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 350,904,000 | 5 | $ 701,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 339,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 4 | $ 750,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 646,232,000 | 4 | $ 80,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 4 | $ 197,000 |
| The Bartlett Farmers Bank PO BOX 57, STATE ROUTE 339 BARLOW, OH 45712 |
* | $ 65,882,000 | 4 | $ 204,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 4 | $ 909,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 627,435,000 | 4 | $ 567,000 |
| Triumph Community Bank NA 2040 1ST STREET A MOLINE, IL 61265 |
* | $ 938,810,000 | 4 | $ 585,000 |
| Calhoun County Banks Inc 362 MAIN STREET GRANTSVILLE, WV 26147 |
* | $ 126,285,000 | 4 | $ 210,000 |
| The Peoples Savings Bank P. O. BOX 246 NEW MATAMORAS, OH 45767 |
* | $ 51,810,000 | 4 | $ 267,000 |
| Premier Bank, Inc. 601 WASHINGTON STREET RAVENSWOOD, WV 26164 |
* | $ 738,858,000 | 4 | $ 1,062,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 315,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 250,961,257,000 | 3 | $ 338,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 3 | $ 162,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 3 | $ 127,000 |
| Premia Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,779,509,000 | 3 | $ 554,000 |
| The Home Savings and Loan Comp 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 1,808,305,000 | 3 | $ 411,000 |
| West Virginia Federal Credit Union 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 169,402,000 | 3 | $ 343,000 |
| The Citizens Bank Company 501 FIFTH ST., P.O. BOX 128 BEVERLY, OH 45715 |
* | $ 105,549,000 | 3 | $ 202,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,893,976,000 | 3 | $ 162,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 310,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 435,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 378,000 |
| Ohio Valley Community Credit Union 52775 BOSTON HILL ROAD CLARINGTON, OH 43915 |
* | $ 125,467,000 | 3 | $ 173,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ 250,000,000 | 3 | $ 352,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 321,000 |
| Doolin Security Savings Bank, FSB 610 N. STATE ROUTE 2 NEW MARTINSVILLE,, WV 26155 |
* | $ 45,346,000 | 3 | $ 316,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 2 | $ 368,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 962,277,000 | 2 | $ 547,000 |
| Riverview Credit Union Inc 403 MAIN STREET BELPRE, OH 45714 |
* | $ 52,783,000 | 2 | $ 55,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 467,666,000 | 2 | $ 251,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 2 | $ 297,000 |
| Farm Credit of the Virginias, Aca 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 2 | $ 309,000 |
| Integrity Home Mortgage Corporation 122 PILOT CIRCLE WINCHESTER, VA 22602 |
* | $ 1,000,000,000 | 2 | $ 352,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 2 | $ 310,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 103,000 |
| James B. Nutter & Co. 4153 BROADWAY KANSAS CITY, MO 64111 |
* | $ 31,000,000 | 2 | $ 198,000 |
| Potomac Mortgage Group Inc 4035 RIDGE TOP ROAD, #100 FAIRFAX, VA 22030 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 224,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 2 | $ 175,000 |
| Mvb Bank, Inc. 113 PLATINUM DRIVE SUITE H BRIDGEPORT, WV 26330 |
* | $ 726,507,000 | 2 | $ 151,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 270,000 |
| Military Family Home Loans, Ll 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 1,102,281,049,000 | 2 | $ 168,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 43,000 |
| Pendleton Community Bank 128 N MAIN ST FRANKLIN, WV 26807 |
* | $ 262,135,000 | 1 | $ 109,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 268,686,000 | 1 | $ 334,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,500,008,000 | 1 | $ 44,000 |
| Truliant Federal Credit Union 3200 TRULIANT WAY WINSTON SALEM, NC 27103 |
* | $ 1,611,769,000 | 1 | $ 25,000 |
| Apci Federal Credit Union PO BOX 20147 LEHIGH VALLEY, PA 18002 |
* | $ 492,821,000 | 1 | $ 45,000 |
| Bayer Hfcu 788 N STATE ROUTE 2 NEW MARTINSVILLE, WV 26155 |
* | $ 308,908,000 | 1 | $ 50,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Merchants Capital Corp. 11555 NORTH MERIDIAN STREET, SUITE 400 CARMEL, IN 46032 |
* | $ 35,564,000 | 1 | $ 1,004,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 75,000 |
| West Town Bank & Trust 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 140,392,000 | 1 | $ 140,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 7,984,323,000 | 1 | $ 39,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 85,810,000,000 | 1 | $ 116,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 202,000 |
| First Sentry Bank, Inc. 823 EIGHTH STREET HUNTINGTON, WV 25701 |
* | $ 493,452,000 | 1 | $ 39,000 |
| Digital Federal Credit Union 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 4,736,022,000 | 1 | $ 299,000 |
| The Waterford Cmrl & Svg Bank PO BOX 65 WATERFORD, OH 45786 |
* | $ 48,208,000 | 1 | $ 172,000 |
| The Poca Valley Bank PO BOX 56 WALTON, WV 25286 |
* | $ 312,134,000 | 1 | $ 198,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 313,661,000 | 1 | $ 217,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 543,088,000 | 1 | $ 35,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 250,414,000 | 1 | $ 5,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 209,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 90,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 21,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 54,000 |
| Alcova Mortgage, LLC 308 MARKET ST, SE ROANOKE, VA 24011 |
* | $ 710,000 | 1 | $ 64,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ 10,000,000 | 1 | $ 277,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ 8,226,000 | 1 | $ 148,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Chevron Federal Credit Union 2300 CLAYTON ROAD SUITE 700 CONCORD, CA 94520 |
* | $ 2,108,081,000 | 1 | $ 215,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 478,049,000 | 1 | $ 209,000 |
| Ohio Valley Bank 420 THIRD AVE GALLIPOLIS, OH 45631 |
* | $ 757,444,000 | 1 | $ 249,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 274,539,000 | 1 | $ 204,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,105,077,000 | 1 | $ 51,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 158,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,590,320,000 | 1 | $ 242,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 111,000 |
The tables below break down 2013 mortgage applications in Wood County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Wood County, WV 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 | 1,747 | $198,308,000 | $113,000 | $2,673,000 | $69,000 | $4,300,000 |
| Home Purchase | 1,305 | $150,395,000 | $115,000 | $928,000 | $63,000 | $937,000 |
| Home Improvement | 316 | $22,507,000 | $71,000 | $2,465,000 | $73,000 | $1,926,000 |
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 | 2,864 | $297,047,000 | $103,000 | $2,465,000 | $67,000 | $1,926,000 |
| Not applicable | 227 | $38,987,000 | $171,000 | $2,673,000 | $14,000 | $178,000 |
| Not Provided | 200 | $24,212,000 | $121,000 | $756,000 | $85,000 | $1,139,000 |
| Black or African American | 27 | $2,598,000 | $96,000 | $247,000 | $53,000 | $108,000 |
| Hispanic | 18 | $2,011,000 | $111,000 | $189,000 | $76,000 | $175,000 |
| Asian | 17 | $4,156,000 | $244,000 | $1,000,000 | $230,000 | $1,232,000 |
| American Indian or Alaskan Native | 13 | $1,099,000 | $84,000 | $140,000 | $379,000 | $4,300,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,100,000 | $550,000 | $600,000 | $584,000 | $700,000 |
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) | 2,701 | $294,027,000 | $108,000 | $2,673,000 | $73,000 | $4,300,000 |
| FHA-insured (Federal Housing Administration) | 401 | $43,638,000 | $108,000 | $1,004,000 | $42,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 193 | $25,522,000 | $132,000 | $416,000 | $51,000 | $606,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 73 | $8,023,000 | $109,000 | $219,000 | $36,000 | $71,000 |
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 | 2,034 | $231,505,000 | $113,000 | $2,673,000 | $72,000 | $1,232,000 |
| Application Denied By Financial Institution | 543 | $50,589,000 | $93,000 | $1,350,000 | $64,000 | $4,300,000 |
| Application Withdrawn By Applicant | 265 | $33,414,000 | $126,000 | $2,465,000 | $75,000 | $1,232,000 |
| Loan Purchased By The Institution | 256 | $28,553,000 | $111,000 | $416,000 | $29,000 | $190,000 |
| Application Approved But Not Accepted | 184 | $17,754,000 | $96,000 | $383,000 | $61,000 | $650,000 |
| File Closed For Incompleteness | 86 | $9,395,000 | $109,000 | $366,000 | $63,000 | $556,000 |
| 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 | 115 | $8,337,000 | $72,000 | $252,000 | $70,000 | $1,926,000 |
| Collateral | 86 | $7,967,000 | $92,000 | $337,000 | $60,000 | $183,000 |
| Debt-To-Income Ratio | 63 | $6,691,000 | $106,000 | $313,000 | $41,000 | $141,000 |
| Credit Application Incomplete | 51 | $5,517,000 | $108,000 | $277,000 | $149,000 | $4,300,000 |
| Other | 30 | $5,287,000 | $176,000 | $1,350,000 | $79,000 | $468,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $1,477,000 | $92,000 | $248,000 | $52,000 | $211,000 |
| Employment History | 10 | $862,000 | $86,000 | $161,000 | $29,000 | $99,000 |
| Unverifiable Information | 7 | $671,000 | $95,000 | $171,000 | $40,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $59,000 | $59,000 | $59,000 | $29,000 | $29,000 |
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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