Anderson County, KY Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 1,116 mortgage applications in Anderson County, KY totaling $149.6 million, up 20% from 2015. The average application was for $134,000, and applicants reported an average income of $60,000. 51% of applications resulted in an originated loan and 14% were denied. The most active lender was Stockton Mortgage Corporation, with 115 applications, followed by Commonwealth Federal Credit Union and Commonwealth Bank and Trust Company.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,116
Total Mortgage Loan Application Amount $149,646,000
Average Mortgage Loan Application Amount $134,000
Highest Mortgage Loan Application Amount $991,000
Average Applicant Income $60,000
Highest Applicant Income $1,886,000

Mortgage Company List for Lending in Anderson County, KY for 2016

* 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
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 115 $ 16,324,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,031,779,000 66 $ 7,546,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 889,634,000 47 $ 6,690,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 44 $ 6,532,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 3,385,483,000 38 $ 5,062,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 37 $ 5,189,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 33 $ 3,975,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 31 $ 4,432,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 28 $ 4,735,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 26 $ 3,478,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 25 $ 2,942,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 18 $ 2,799,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 18 $ 2,464,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 18 $ 2,977,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 16 $ 1,865,000
Town & Country Bank and Trust Co.
PO BOX 305
BARDSTOWN, KY 40004
* $ 274,188,000 15 $ 1,348,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 861,518,000 15 $ 1,838,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 4,222,641,000 15 $ 1,713,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 13 $ 1,702,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 13 $ 1,683,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,881,833,000 13 $ 2,150,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 13 $ 1,673,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 12 $ 1,491,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 11 $ 793,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 10 $ 1,204,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 10 $ 1,104,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 10 $ 484,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 10 $ 1,294,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 9 $ 1,685,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 9 $ 1,303,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,033,424,000 9 $ 1,179,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 9 $ 984,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 8 $ 1,018,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 8 $ 1,030,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 7 $ 92,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 1,028,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 914,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 7 $ 1,157,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 7 $ 1,129,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 6 $ 902,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 6 $ 769,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 6 $ 803,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 6 $ 552,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 972,166,000 6 $ 751,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 6 $ 997,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,233,987,000 5 $ 1,113,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 5 $ 320,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 219,773,000 5 $ 384,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 5 $ 820,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 830,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 760,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 5 $ 667,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 5 $ 710,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,011,527,000 5 $ 789,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 514,556,000 4 $ 414,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 556,787,000 4 $ 598,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 4 $ 305,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 351,875,000 4 $ 358,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,376,134,000 4 $ 310,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 3 $ 385,000
The Peoples Bank
23 WEST MAIN ST
TAYLORSVILLE, KY 40071
* $ 113,306,000 3 $ 222,000
Greater Kentucky Credit Union
1001 RED MILE ROAD
LEXINGTON, KY 40504
* $ 69,616,000 3 $ 140,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 3 $ 329,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 108,064,717,000 3 $ 538,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 442,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 3 $ 422,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 3 $ 521,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 3 $ 358,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 3,696,846,000 3 $ 621,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 413,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 3 $ 551,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 570,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 3 $ 525,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 444,244,000 3 $ 55,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 3 $ 388,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 598,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 330,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 2 $ 338,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 576,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 225,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 258,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 192,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 265,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 107,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 284,507,000 2 $ 540,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 2 $ 338,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 2 $ 178,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 372,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 2 $ 224,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 455,000
King Southern Bank
911 BLANKENBAKER PKWY
LOUISVILLE, KY 40243
* $ 174,083,000 2 $ 17,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 285,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 2 $ 206,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 380,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 1,813,634,000 2 $ 167,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 339,059,000 2 $ 351,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 149,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 2 $ 215,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 349,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 729,014,000 2 $ 486,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 2 $ 296,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 4,654,173,000 2 $ 193,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 2 $ 320,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 96,918,000 2 $ 278,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 2 $ 459,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 604,335,000 2 $ 52,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 2 $ 242,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 2,814,028,000 2 $ 322,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 980,403,000 1 $ 220,000
Stifel Bank & Trust
501 N BROADWAY
ST LOUIS, MO 63141
* $ 7,273,809,000 1 $ 227,000
Town Square Bank
1500 CARTER AVENUE
ASHLAND, KY 41105
* $ 434,606,000 1 $ 335,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 835,142,000 1 $ 164,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 2,173,990,000 1 $ 50,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 1 $ 115,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,142,256,000 1 $ 95,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 283,210,000 1 $ 47,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 93,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 1 $ 277,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 504,343,000 1 $ 153,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 1,267,342,000 1 $ 147,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 1 $ 157,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ 1,271,767,000 1 $ 152,000
Transcend Credit Union
3740 BARDSTOWN ROAD
LOUISVILLE, KY 40218
* $ 351,186,000 1 $ 155,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 173,000
Fay Servicing LLC

TAMPA, FL 33609
* $ 25,961,064,000 1 $ 90,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 146,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 464,368,000 1 $ 120,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 178,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 276,000
Mortgage Metwork Inc.
10529 A TIMBERWOOD CIRCLE
LOUISVILLE, KY 40223
* $ 100,000,000 1 $ 85,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ 100,000,000 1 $ 113,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 307,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 168,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 149,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 268,926,000 1 $ 14,000
Los Angeles Police FCU
16150 SHERMAN WAY
VAN NUYS, CA 91406
* $ 830,408,000 1 $ 140,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 1 $ 31,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 88,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 104,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 1 $ 94,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 215,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 164,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 103,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 99,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 145,480,000 1 $ 129,000
1st Financial, Inc.
1111 BENFIELD BLVD #106
MILLERSVILLE, MD 21108
* $ 10,000,000 1 $ 196,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 280,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 165,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 113,000

The tables below break down 2016 mortgage applications in Anderson County, KY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Anderson County, KY in 2016

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 597 $81,853,000 $137,000 $400,000 $55,000 $308,000
Refinancing 465 $64,623,000 $138,000 $991,000 $62,000 $1,886,000
Home Improvement 54 $3,170,000 $58,000 $344,000 $88,000 $865,000

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 876 $116,176,000 $132,000 $525,000 $65,000 $865,000
Not applicable 148 $21,254,000 $143,000 $991,000 $12,000 $99,000
Not Provided 69 $9,315,000 $135,000 $416,000 $86,000 $1,886,000
Black or African American 8 $736,000 $92,000 $144,000 $34,000 $54,000
Hispanic 6 $886,000 $147,000 $247,000 $59,000 $140,000
American Indian or Alaskan Native 4 $390,000 $97,000 $140,000 $107,000 $290,000
Asian 4 $726,000 $181,000 $272,000 $65,000 $170,000
Native Hawaiin or Other Pacific Islander 1 $163,000 $163,000 $163,000 $98,000 $98,000

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) 591 $74,779,000 $126,000 $991,000 $74,000 $1,886,000
FHA-insured (Federal Housing Administration) 256 $34,566,000 $135,000 $280,000 $47,000 $404,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 153 $19,732,000 $128,000 $242,000 $35,000 $93,000
VA-guaranteed (Veterans Administration) 116 $20,569,000 $177,000 $351,000 $46,000 $183,000

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 569 $78,494,000 $137,000 $991,000 $67,000 $865,000
Loan Purchased By The Institution 181 $25,841,000 $142,000 $377,000 $24,000 $176,000
Application Denied By Financial Institution 151 $17,323,000 $114,000 $400,000 $55,000 $201,000
Application Withdrawn By Applicant 106 $13,667,000 $128,000 $525,000 $64,000 $308,000
File Closed For Incompleteness 60 $7,790,000 $129,000 $416,000 $81,000 $1,886,000
Application Approved But Not Accepted 49 $6,531,000 $133,000 $335,000 $80,000 $404,000
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 38 $3,431,000 $90,000 $197,000 $59,000 $201,000
Debt-To-Income Ratio 30 $3,750,000 $125,000 $400,000 $45,000 $119,000
Collateral 21 $2,626,000 $125,000 $237,000 $55,000 $107,000
Credit Application Incomplete 13 $1,565,000 $120,000 $257,000 $66,000 $149,000
Other 8 $1,265,000 $158,000 $280,000 $61,000 $97,000
Insufficient Cash (Downpayment, Closing Cost) 3 $361,000 $120,000 $146,000 $53,000 $58,000
Unverifiable Information 2 $115,000 $57,000 $90,000 $69,000 $82,000
Employment History 2 $194,000 $97,000 $153,000 $53,000 $77,000
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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