Bath County, KY Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 648 mortgage applications in Bath County, KY totaling $51.3 million, up 1% from 2004. The average application was for $79,000, and applicants reported an average income of $43,000. 37% of applications resulted in an originated loan and 33% were denied. The most active lender was Beneficial Company LLC, with 55 applications, followed by Whitaker Bank Inc and Traditional Bank 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 | 648 |
| Total Mortgage Loan Application Amount | $51,341,000 |
| Average Mortgage Loan Application Amount | $79,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $521,000 |
* 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 |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 55 | $ 4,626,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,101,493,000 | 38 | $ 2,785,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 599,363,000 | 33 | $ 1,976,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 30 | $ 2,941,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 28 | $ 2,979,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 22 | $ 1,639,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 21 | $ 1,920,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 18 | $ 1,688,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 18 | $ 1,297,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,698,709,000 | 16 | $ 1,097,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 953,604,000,000 | 15 | $ 726,000 |
| Farmers Bank & Trust Company 200 EAST MAIN STREET GEORGETOWN, KY 40324 |
* | $ 291,653,000 | 14 | $ 454,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 639,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 13 | $ 856,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 11 | $ 1,028,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,009,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 10 | $ 749,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 10 | $ 1,622,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 10 | $ 893,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 222,794,000 | 9 | $ 667,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 9 | $ 389,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 8 | $ 328,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 7 | $ 466,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 7 | $ 894,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 7 | $ 418,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 6 | $ 347,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 6 | $ 243,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 6 | $ 362,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 6 | $ 381,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 529,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 6 | $ 279,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 443,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 5 | $ 125,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 5 | $ 533,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 5 | $ 531,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 187,073,000 | 5 | $ 282,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 5 | $ 380,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 5 | $ 591,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 478,447,000 | 5 | $ 555,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 5 | $ 389,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 263,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 4 | $ 393,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 4 | $ 434,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 4 | $ 365,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 124,250,000 | 4 | $ 261,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 280,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 347,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,807,417,000 | 3 | $ 211,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 3 | $ 198,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 3 | $ 313,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 3,880,165,000 | 3 | $ 236,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 178,668,000 | 3 | $ 247,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 3 | $ 166,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 3 | $ 229,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 269,000 |
| American Home Mortgage Corp. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 3 | $ 170,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 207,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 166,000 |
| Citibank, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 27,779,034,000 | 2 | $ 100,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 40,963,356,000 | 2 | $ 69,000 |
| Irwin Home Equity Corporation 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,870,451,000 | 2 | $ 115,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 1,895,789,000 | 2 | $ 103,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,509,064,000 | 2 | $ 95,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 2 | $ 440,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 318,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 2 | $ 326,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 2 | $ 23,000 |
| Unimortgage LLC 8647 BAYPINE ROAD SUITE 100 JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 2 | $ 83,000 |
| Pro Mortgage Partners 200 E. MAIN STREET GEORGETOWN, KY 40324 |
* | $ 195,350,000 | 2 | $ 133,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 10,353,821,000 | 2 | $ 236,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 130,780,100,000 | 2 | $ 160,000 |
| Residential Mortgage Group, in 11100 WAYZATA BLVD, SUITE 570 MINNETONKA, MN 55305 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 1 | $ 101,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 49,210,377,000 | 1 | $ 32,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 164,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,718,770,000 | 1 | $ 109,000 |
| Tribeca Lending Corporation 101 HUDSON STREET 25TH FLOOR JERSEY CITY, NJ 07302 |
* | $ 10,000,000 | 1 | $ 65,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,043,312,000 | 1 | $ 36,000 |
| Molton, Allen & Williams Mtg 1000 URBAN CENTER DRIVE, STE 500 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 45,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 190,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 32,000 |
| Ownit Mortgage Solutions, Inc 27349 AGOURA RD # 100 AGOURA HILLS, CA 91301 |
* | $ 10,000,000 | 1 | $ 61,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 33,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 130,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 102,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 116,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Health Education Federal C U 424 PARK PLACE LEXINGTON, KY 40511 |
* | $ 51,149,000 | 1 | $ 48,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 565,815,000 | 1 | $ 17,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 104,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 107,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 1 | $ 185,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 1 | $ 61,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 27,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 1 | $ 85,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,172,397,000 | 1 | $ 48,000 |
| Central Pacfic Mortgage 950 IRON POINT RD SUITE 200 FOLSOM, CA 95630 |
* | $ 31,000,000 | 1 | $ 45,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 481,766,000 | 1 | $ 256,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 615,514,000 | 1 | $ 92,000 |
| Concorde Acceptance Corporatio 7929 BROOKRIVER DR., SUITE 500 DALLAS, TX 75247 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Crevecor Mortgage Inc 1150 HANLEY INDUSTRIAL CRT BRENTWOOD, MO 63144 |
* | $ 12,730,945,000 | 1 | $ 51,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 120,000 |
| Bankunited, FSB 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 8,837,815,000 | 1 | $ 74,000 |
| Bsm Financial, L.P. 1301 CENTRAL EXPRESSWAY SOUTH ALLEN, TX 75013 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 13,849,972,000 | 1 | $ 145,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 416,709,000 | 1 | $ 51,000 |
| Advent Mortgage, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 1 | $ 103,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Aegis Wholesale Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 88,000 |
The tables below break down 2005 mortgage applications in Bath 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 Bath County, KY in 2005
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 | 357 | $32,549,000 | $91,000 | $400,000 | $43,000 | $521,000 |
| Home Purchase | 211 | $15,513,000 | $73,000 | $300,000 | $42,000 | $241,000 |
| Home Improvement | 80 | $3,279,000 | $40,000 | $800,000 | $43,000 | $167,000 |
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 | 496 | $37,645,000 | $75,000 | $800,000 | $43,000 | $521,000 |
| Not Provided | 100 | $9,177,000 | $91,000 | $350,000 | $54,000 | $480,000 |
| Not applicable | 37 | $3,074,000 | $83,000 | $256,000 | $2,000 | $59,000 |
| Black or African American | 8 | $798,000 | $99,000 | $144,000 | $64,000 | $87,000 |
| Hispanic | 4 | $369,000 | $92,000 | $135,000 | $56,000 | $101,000 |
| American Indian or Alaskan Native | 2 | $233,000 | $116,000 | $135,000 | $39,000 | $48,000 |
| Asian | 1 | $45,000 | $45,000 | $45,000 | $36,000 | $36,000 |
| 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) | 616 | $48,707,000 | $79,000 | $800,000 | $43,000 | $521,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,406,000 | $82,000 | $157,000 | $30,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,095,000 | $84,000 | $164,000 | $34,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 2 | $133,000 | $66,000 | $68,000 | $42,000 | $47,000 |
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 | 239 | $16,871,000 | $70,000 | $312,000 | $49,000 | $336,000 |
| Application Denied By Financial Institution | 211 | $16,928,000 | $80,000 | $800,000 | $44,000 | $521,000 |
| Application Withdrawn By Applicant | 64 | $6,212,000 | $97,000 | $350,000 | $43,000 | $147,000 |
| Loan Purchased By The Institution | 64 | $5,684,000 | $88,000 | $300,000 | $22,000 | $103,000 |
| Application Approved But Not Accepted | 51 | $4,077,000 | $79,000 | $230,000 | $42,000 | $94,000 |
| File Closed For Incompleteness | 18 | $1,419,000 | $78,000 | $175,000 | $43,000 | $99,000 |
| Preapproval Denied by Financial Institution | 1 | $150,000 | $150,000 | $150,000 | $72,000 | $72,000 |
| Preapproval Approved but not Accepted | 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 | 47 | $3,231,000 | $68,000 | $210,000 | $41,000 | $126,000 |
| Other | 34 | $2,529,000 | $74,000 | $268,000 | $41,000 | $480,000 |
| Collateral | 17 | $1,653,000 | $97,000 | $185,000 | $49,000 | $87,000 |
| Debt-To-Income Ratio | 13 | $1,075,000 | $82,000 | $298,000 | $44,000 | $125,000 |
| Credit Application Incomplete | 7 | $741,000 | $105,000 | $157,000 | $58,000 | $78,000 |
| Unverifiable Information | 5 | $428,000 | $85,000 | $171,000 | $34,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $94,000 | $47,000 | $90,000 | $18,000 | $19,000 |
| Employment History | 1 | $800,000 | $800,000 | $800,000 | $7,000 | $7,000 |
| 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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