Barren County, KY Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,929 mortgage applications in Barren County, KY totaling $296.4 million, down 21% from 2021. The average application was for $153,000, and applicants reported an average income of $77,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Edmonton State Bank, with 274 applications, followed by South Central Bank Inc and Vanderbilt Mortgage and Finance, Inc.

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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 1,929
Total Mortgage Loan Application Amount $296,435,000
Average Mortgage Loan Application Amount $153,000
Highest Mortgage Loan Application Amount $5,005,000
Average Applicant Income $77,000
Highest Applicant Income $1,310,000

Mortgage Company List for Lending in Barren County, KY 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
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ 732,216,000 274 $ 38,460,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,591,396,000 249 $ 32,965,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 100 $ 12,090,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 98 $ 8,100,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 5,596,059,000 71 $ 11,155,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 2,025,359,000 63 $ 6,355,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 53 $ 9,015,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 49 $ 9,285,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 36 $ 2,960,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 34 $ 5,640,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ -1,000 34 $ 6,510,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 29 $ 4,855,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 29 $ 6,595,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 26 $ 5,050,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 26 $ 3,710,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 25 $ 2,845,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 23 $ 4,465,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 21 $ 4,125,000
Service One Credit Union
P.O. BOX 51770
BOWLING GREEN, KY 42102
* $ 216,310,000 21 $ 2,535,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 19 $ 3,565,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 18 $ 3,310,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 18 $ 2,780,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,407,879,000 17 $ 4,475,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 17 $ 3,015,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 1,384,857,000 17 $ 1,505,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 16 $ 1,350,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 16 $ 3,120,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 15 $ 2,715,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 15 $ 3,315,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 1,006,405,000 15 $ 1,895,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 14 $ 2,450,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 14 $ 2,450,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 12 $ 2,810,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 11 $ 1,895,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 11 $ 2,445,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 11 $ 2,835,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 10 $ 740,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 10 $ 1,300,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 9 $ 1,345,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 9 $ 1,715,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 8 $ 1,500,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 8 $ 1,150,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,470,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 885,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 1,165,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 497,372,000 7 $ 1,205,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 7 $ 1,005,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 960,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,270,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 6 $ 780,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 6 $ 1,310,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,237,305,000 6 $ 3,690,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 6 $ 1,170,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 1,220,000
Bank of Edmonson County
PO BOX 99
BROWNSVILLE, KY 42210
* $ 254,613,000 6 $ 1,000,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 1,095,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 5 $ 585,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 5 $ 1,505,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 455,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 845,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 795,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 5 $ 825,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 5 $ 835,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 5 $ 635,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 485,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 614,390,000 4 $ 790,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 6,088,183,000 4 $ 720,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 590,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 4 $ 530,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 1,180,778,000 4 $ 470,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ 707,754,000 4 $ 670,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 300,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 1,090,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 4 $ 780,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 3 $ 95,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 425,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 3 $ 585,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 3 $ 655,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 3 $ 395,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 135,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 3 $ 545,000
United Home Loans, Inc.
1023 BURLINGTON AVE
WESTERN SPRINGS, IL 60558
* $ -1,000 3 $ 715,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 685,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 5,045,573,000 3 $ 875,000
Austin Capital Bank SSB
8100 SHOAL CREEK BLVD
AUSTIN, TX 78757
* $ 414,678,000 2 $ 360,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 2 $ 400,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 5,384,484,000 2 $ 460,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 166,652,719,000 2 $ 250,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 290,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 2 $ 570,000
Victory Mortgage, LLC
3940 OLYMPIC BLVD SUITE 110
ERLANGER, KY 41018
* $ -1,000 2 $ 330,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 750,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 2 $ 290,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 160,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 520,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 2 $ 350,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 2 $ 410,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 580,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 2 $ 580,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 390,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 2 $ 360,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 480,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ -1,000 1 $ 95,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 85,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 195,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 175,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 275,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ -1,000 1 $ 125,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 1 $ 235,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 1,252,099,000 1 $ 25,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 205,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 431,628,000 1 $ 275,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 6,639,234,000 1 $ 55,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 1,299,520,000 1 $ 275,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 115,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 245,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 1 $ 215,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 265,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 205,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 1,189,715,000 1 $ 125,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 265,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 1 $ 75,000
Florida Credit Union
PO BOX 5549
GAINESVILLE, FL 32627
* $ 1,753,771,000 1 $ 105,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 175,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ 715,451,000 1 $ 25,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ 257,667,000 1 $ 75,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 75,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 175,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 1 $ 85,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 545,000
Class Act Federal Credit Union
3620 FERN VALLEY RD
LOUISVILLE, KY 40219
* $ 308,532,000 1 $ 195,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 245,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ 865,802,000 1 $ 155,000
BNC National Bank

BISMARCK, ND 58501
* $ 1,046,501,000 1 $ 325,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 185,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ 15,742,039,000 1 $ 35,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 175,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 1 $ 185,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,895,919,000 1 $ 5,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 205,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 965,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 225,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ -1,000 1 $ 155,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 799,143,000 1 $ 65,000
First Harrison Bank
220 FEDERAL DR NW
CORYDON, IN 47112
* $ 1,151,118,000 1 $ 165,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ -1,000 1 $ 175,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 135,000
Wilson Bank and Trust
623 WEST MAIN STREET
LEBANON, TN 37087
* $ 3,975,826,000 1 $ 305,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 3,890,954,000 1 $ 115,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 125,000
University Credit Union
1500 S. SEPULVEDA BLVD.
LOS ANGELES, CA 90025
* $ 1,047,101,000 1 $ 95,000
Hiway Credit Union
111 EMPIRE DRIVE
SAINT PAUL, MN 55103
* $ 1,671,091,000 1 $ 235,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 305,000

The tables below break down 2022 mortgage applications in Barren 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 Barren County, KY 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 1,033 $185,625,000 $179,000 $2,675,000 $76,000 $1,068,000
Refinancing 292 $41,220,000 $141,000 $3,905,000 $76,000 $1,310,000
Cash-out Refinancing 280 $49,670,000 $177,000 $5,005,000 $73,000 $311,000
Home Improvement 162 $9,240,000 $57,000 $355,000 $95,000 $421,000
Other Purpose 159 $10,415,000 $65,000 $405,000 $75,000 $441,000
Not Applicable 3 $265,000 $88,000 $145,000 $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 1,541 $221,505,000 $143,000 $2,675,000 $78,000 $1,310,000
Not applicable 177 $41,065,000 $232,000 $5,005,000 $92,000 $173,000
Not Provided 116 $20,130,000 $173,000 $515,000 $74,000 $477,000
Black or African American 55 $6,945,000 $126,000 $415,000 $58,000 $153,000
Hispanic 24 $3,820,000 $159,000 $385,000 $69,000 $212,000
American Indian or Alaskan Native 8 $1,620,000 $202,000 $445,000 $84,000 $161,000
Asian 6 $850,000 $141,000 $245,000 $92,000 $357,000
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) 1,406 $197,350,000 $140,000 $5,005,000 $81,000 $1,310,000
FHA-insured (Federal Housing Administration) 262 $46,850,000 $178,000 $425,000 $62,000 $185,000
VA-guaranteed (Veterans Administration) 162 $35,250,000 $217,000 $505,000 $76,000 $220,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 99 $16,985,000 $171,000 $425,000 $56,000 $101,000

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 1,128 $177,180,000 $157,000 $5,005,000 $83,000 $1,310,000
Application Denied By Financial Institution 328 $41,080,000 $125,000 $555,000 $67,000 $441,000
Application Withdrawn By Applicant 207 $34,285,000 $165,000 $705,000 $73,000 $334,000
Loan Purchased By The Institution 141 $27,205,000 $192,000 $515,000 $82,000 $216,000
File Closed For Incompleteness 102 $13,680,000 $134,000 $455,000 $66,000 $205,000
Application Approved But Not Accepted 23 $3,005,000 $130,000 $305,000 $63,000 $141,000
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
Not applicable 1,565 $247,905,000 $158,000 $5,005,000 $80,000 $1,310,000
Credit History 155 $15,275,000 $98,000 $425,000 $71,000 $441,000
Debt-To-Income Ratio 108 $18,790,000 $173,000 $755,000 $57,000 $435,000
Collateral 31 $3,405,000 $109,000 $405,000 $72,000 $221,000
Credit Application Incomplete 22 $2,820,000 $128,000 $375,000 $78,000 $315,000
Other 18 $2,960,000 $164,000 $365,000 $80,000 $139,000
Unverifiable Information 16 $2,730,000 $170,000 $345,000 $88,000 $220,000
Employment History 7 $845,000 $120,000 $205,000 $56,000 $78,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,570,000 $261,000 $555,000 $72,000 $155,000
Mortgage Insurance Denied 1 $135,000 $135,000 $135,000 $83,000 $83,000

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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