Wood County, WV Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 2,682 mortgage applications in Wood County, WV totaling $403.3 million, down 28% from 2021. The average application was for $150,000, and applicants reported an average income of $84,000. 54% of applications resulted in an originated loan and 18% were denied. The most active lender was Peoples Bank, with 238 applications, followed by Community Bank of Parkersburg and Movement Mortgage, LLC.

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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 2,682
Total Mortgage Loan Application Amount $403,320,000
Average Mortgage Loan Application Amount $150,000
Highest Mortgage Loan Application Amount $16,325,000
Average Applicant Income $84,000
Highest Applicant Income $1,326,000

Mortgage Company List for Lending in Wood County, WV for 2022

* 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
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 238 $ 23,160,000
Community Bank of Parkersburg
631 JULIANA ST
PARKERSBURG, WV 26101
* $ 280,342,000 221 $ 38,495,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 157 $ 26,085,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 157 $ 22,855,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 143 $ 21,385,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 141 $ 19,055,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 90 $ 9,080,000
Wv Central Federal Credit Union
1306 MURDOCH AVE
PARKERSBURG, WV 26101
* $ 280,606,000 83 $ 7,385,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 65 $ 10,955,000
United Bank VA

MORGANTOWN, WV 26505
* $ 29,289,723,000 63 $ 7,725,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 60 $ 6,670,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 58 $ 11,280,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 57 $ 8,725,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 56 $ 10,430,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 56 $ 8,330,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 53 $ 7,195,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 43 $ 6,045,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 36 $ 5,210,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 30 $ 2,100,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 30 $ 3,560,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 25 $ 3,745,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 3,730,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 21 $ 2,885,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 3,530,000
Riverview Federal Credit Union
39 ACME ST
BELPRE, OH 45750
* $ 95,512,000 17 $ 1,615,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 17 $ 2,905,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 17 $ 2,435,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 15 $ 2,215,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 2,380,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 1,740,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 13 $ 1,625,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 13 $ 1,805,000
Calhoun County Banks Inc
362 MAIN STREET
GRANTSVILLE, WV 26147
* $ 179,117,000 13 $ 1,405,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 13 $ 1,765,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 13 $ 1,035,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 12 $ 1,730,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 12 $ 1,630,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 12 $ 1,570,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,955,821,000 11 $ 1,225,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 1,205,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 11 $ 1,405,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 10 $ 3,120,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 10 $ 1,800,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 9 $ 1,905,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 9 $ 1,755,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 9 $ 1,105,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 8 $ 1,190,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 8 $ 1,270,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 8 $ 950,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 7 $ 855,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 7 $ 1,155,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 7 $ 1,005,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 7 $ 775,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 7 $ 1,385,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 6 $ 530,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 6 $ 1,040,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 6 $ 1,020,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 6 $ 830,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 585,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ 39,468,318,000 5 $ 1,385,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 615,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 5 $ 1,005,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 5 $ 1,225,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 4 $ 760,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 4 $ 790,000
The Farmers Bank & Savings Com
640 E MAIN ST
POMEROY, OH 45769
* $ 395,818,000 4 $ 450,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 4 $ 430,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 4 $ 560,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 870,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 670,000
Bayer Hfcu
788 N STATE ROUTE 2
NEW MARTINSVILLE, WV 26155
* $ 655,162,000 3 $ 515,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 485,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 235,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 355,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ -1,000 3 $ 425,000
Farm Credit of the Virginias, Aca
106 SANGERS LANE
STAUNTON, VA 24401
* $ -1,000 3 $ 485,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 3 $ 445,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 3 $ 665,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 3 $ 125,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 3 $ 625,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 3 $ 635,000
Clear Mountain Bank
160 MORGANTOWN STREET PO BOX 205
BRUCETON MILLS, WV 26525
* $ 873,423,000 3 $ 1,805,000
Summit Community Bank, Inc
PO BOX 680; 310 NORTH MAIN STREET
MOOREFIELD, WV 26836
* $ 3,555,648,000 3 $ 345,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 3 $ 695,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 183,977,708,000 3 $ 16,635,000
The Poca Valley Bank
PO BOX 56
WALTON, WV 25286
* $ 487,506,000 3 $ 815,000
First Federal S&L of Lakewood
14806 DETROIT AVE
LAKEWOOD, OH 44107
* $ 2,217,917,000 2 $ 290,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 110,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 270,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 2 $ 430,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 916,091,000 2 $ 200,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 360,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 2 $ 200,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ 887,431,000 2 $ 270,000
Schumacher Mortgage LLC
2715 WISE AVENUE SUITE 100
CANTON, OH 44708
* $ -1,000 2 $ 740,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 200,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 2 $ 240,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 2 $ 250,000
First Ohio Home Finance
385 COUNTY LINE RD W, STE 200
WESTERVILLE, OH 43082
* $ -1,000 2 $ 350,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,535,304,000 2 $ 580,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 220,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 430,000
Alcova Mortgage, LLC
308 MARKET ST, SE
ROANOKE, VA 24011
* $ -1,000 2 $ 280,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 380,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 930,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 520,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 530,000
Homespire Mortgage Corporation

FAIRFAX, VA 22031
* $ -1,000 1 $ 155,000
Liberty National Bank
100 EAST FRANKLIN STREET
KENTON, OH 43326
* $ 434,065,000 1 $ 185,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 418,573,000 1 $ 75,000
McNb Bank and Trust Co
75 WYOMING ST
WELCH, WV 24801
* $ 349,176,000 1 $ 955,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 115,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 105,000
Lima One Capital, LLC
201 E. MCBEE AVE, SUITE 300
GREENVILLE, SC 29601
* $ -1,000 1 $ 65,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ -1,000 1 $ 205,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 115,000
Camc Federal Credit Union
3400 MACCORKLE AVENUE SE
CHARLESTON, WV 25304
* $ 81,042,000 1 $ 225,000
Ohio Valley Community Credit Union
52775 BOSTON HILL ROAD
CLARINGTON, OH 43915
* $ 199,174,000 1 $ 245,000
Atomic Credit Union, Inc
711 BEAVER CREEK ROAD
PIKETON, OH 45661
* $ 496,859,000 1 $ 365,000
First United Bank and Trust Company
PO BOX 130
DURANT, OK 74702
* $ 12,464,313,000 1 $ 235,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 1 $ 205,000
Townebank
5716 HIGH STREET WEST
PORTSMOUTH, VA 23703
* $ 16,361,399,000 1 $ 165,000
First United Bank & Trust
19 S SECOND STREET
OAKLAND, MD 21550
* $ 1,423,446,000 1 $ 855,000
Plainscapital Bank
6565 HILLCREST AVE
DALLAS, TX 75205
* $ 15,019,689,000 1 $ 125,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 3,310,189,000 1 $ 255,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 25,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 1 $ 255,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 414,678,000 1 $ 95,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ 20,000,309,000 1 $ 105,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 75,000
Potomac Bank
111 EAST WASHINGTON ST
CHARLES TOWN, WV 00000
* $ 709,715,000 1 $ 125,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 85,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 345,000
Allegacy Federal Credit Union
P O BOX 26043
WINSTON SALEM, NC 27114
* $ 2,005,076,000 1 $ 105,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 295,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 1 $ 25,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,669,227,000,000 1 $ 645,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ -1,000 1 $ 105,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 145,000
Fncb Bank
102 E DRINKER STREET
DUNMORE, PA 18512
* $ 1,657,985,000 1 $ 65,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 145,000
US Mortgage Corporation
201 OLD COUNTRY ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 85,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 155,000
Chicago Mortgage Solutions LLC
9525 W BRYN MAWR AVE
ROSEMONT, IL 60018
* $ -1,000 1 $ 165,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 1 $ 55,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 262,366,000 1 $ 615,000

The tables below break down 2022 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 2022

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 1,440 $242,410,000 $168,000 $2,465,000 $85,000 $1,204,000
Cash-out Refinancing 558 $74,680,000 $133,000 $795,000 $75,000 $480,000
Refinancing 261 $53,985,000 $206,000 $16,325,000 $94,000 $665,000
Home Improvement 232 $14,580,000 $62,000 $305,000 $90,000 $484,000
Other Purpose 184 $16,970,000 $92,000 $645,000 $89,000 $1,326,000
Not Applicable 7 $695,000 $99,000 $195,000 $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 2,139 $290,325,000 $135,000 $915,000 $81,000 $1,326,000
Not Provided 252 $38,520,000 $152,000 $715,000 $86,000 $890,000
Not applicable 182 $54,240,000 $298,000 $16,325,000 $84,000 $200,000
Black or African American 32 $6,150,000 $192,000 $645,000 $122,000 $665,000
Hispanic 30 $3,890,000 $129,000 $365,000 $73,000 $203,000
Asian 27 $6,455,000 $239,000 $435,000 $196,000 $647,000
American Indian or Alaskan Native 11 $1,755,000 $159,000 $595,000 $92,000 $315,000
Native Hawaiian or Other Pacific Islander 1 $175,000 $175,000 $175,000 $51,000 $51,000

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) 1,791 $264,685,000 $147,000 $16,325,000 $94,000 $1,326,000
FHA-insured (Federal Housing Administration) 577 $79,995,000 $138,000 $425,000 $61,000 $860,000
VA-guaranteed (Veterans Administration) 254 $49,440,000 $194,000 $645,000 $76,000 $250,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 60 $9,200,000 $153,000 $275,000 $55,000 $107,000

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 1,450 $234,490,000 $161,000 $16,325,000 $89,000 $1,204,000
Application Denied By Financial Institution 489 $56,595,000 $115,000 $475,000 $70,000 $972,000
Application Withdrawn By Applicant 358 $57,590,000 $160,000 $715,000 $91,000 $890,000
Loan Purchased By The Institution 148 $22,920,000 $154,000 $645,000 $72,000 $200,000
File Closed For Incompleteness 116 $14,720,000 $126,000 $505,000 $88,000 $1,326,000
Application Approved But Not Accepted 111 $15,765,000 $142,000 $955,000 $73,000 $282,000
Preapproval Approved but not Accepted 9 $1,025,000 $113,000 $215,000 $61,000 $114,000
Preapproval Denied by Financial Institution 1 $215,000 $215,000 $215,000 $41,000 $41,000

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 1,902 $299,450,000 $157,000 $16,325,000 $87,000 $1,326,000
Debt-To-Income Ratio 414 $61,380,000 $148,000 $2,465,000 $79,000 $650,000
Credit History 138 $14,110,000 $102,000 $425,000 $82,000 $972,000
Collateral 98 $12,250,000 $125,000 $475,000 $78,000 $650,000
Credit Application Incomplete 57 $6,835,000 $119,000 $265,000 $62,000 $237,000
Unverifiable Information 30 $4,000,000 $133,000 $325,000 $79,000 $384,000
Other 27 $3,295,000 $122,000 $365,000 $85,000 $595,000
Insufficient Cash (Downpayment, Closing Cost) 11 $1,435,000 $130,000 $235,000 $69,000 $150,000
Employment History 5 $565,000 $113,000 $205,000 $53,000 $134,000
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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