Boyle County, KY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 1,000 mortgage applications in Boyle County, KY totaling $130.0 million, up 11% from 2017. The average application was for $130,000, and applicants reported an average income of $73,000. 54% of applications resulted in an originated loan and 15% were denied. The most active lender was Abound Federal Credit Union, with 106 applications, followed by Community Trust Bank, Inc. and PNC Bank N.A..

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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 1,000
Total Mortgage Loan Application Amount $130,030,000
Average Mortgage Loan Application Amount $130,000
Highest Mortgage Loan Application Amount $1,605,000
Average Applicant Income $73,000
Highest Applicant Income $606,000

Mortgage Company List for Lending in Boyle County, KY for 2018

* 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
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,480,753,000 106 $ 10,540,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,113,495,000 53 $ 8,215,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 53 $ 3,565,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 41 $ 4,125,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 38 $ 2,850,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 37 $ 5,805,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 36 $ 4,150,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 30 $ 4,300,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 27 $ 3,655,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,151,298,000 22 $ 1,630,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 21 $ 2,765,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 20 $ 3,270,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 20 $ 2,620,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 19 $ 2,675,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 18 $ 2,380,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 16 $ 1,130,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 13 $ 1,855,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 11 $ 1,025,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 1,235,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 865,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 11 $ 1,455,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 2,660,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 848,892,000 9 $ 1,235,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 760,511,000 9 $ 535,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 9 $ 1,705,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,408,261,000 9 $ 1,785,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 9 $ 1,565,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 8 $ 1,410,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 8 $ 1,220,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 8 $ 1,140,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 8 $ 1,070,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 7 $ 1,045,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 7 $ 795,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,485,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 540,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 6 $ 470,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 6 $ 1,020,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,190,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 6 $ 620,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 5 $ 915,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 655,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 5 $ 595,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 4 $ 230,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 4 $ 790,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 1,050,914,000 4 $ 480,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,300,124,000 4 $ 710,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 4 $ 770,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 4 $ 560,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 660,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 4 $ 520,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 929,549,000 4 $ 660,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 4 $ 650,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 3 $ 705,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 3 $ 405,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 3 $ 395,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 675,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 305,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 3 $ 165,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 3 $ 285,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 3 $ 275,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,075,719,000 3 $ 245,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 515,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 445,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 220,000
United Bank & Capital Trust Company
125 WEST MAIN STREET
FRANKFORT, KY 46001
* $ 1,631,820,000 2 $ 1,380,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 420,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 190,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 200,000
Grand Bank for Savings, FSB
204 WESTOVER DRIVE
HATTIESBURG, MS 39404
* $ 73,481,000 2 $ 240,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 310,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 693,307,000 2 $ 140,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 270,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,413,334,000 2 $ 250,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 130,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 50,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,456,342,000 2 $ 290,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 2 $ 260,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 25,054,739,000 2 $ 510,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 2 $ 310,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 150,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 2 $ 190,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 490,000
The Citizens National Bank of Somerset
44 PUBLIC SQ, PO BOX 760
SOMERSET, KY 42502
* $ 395,461,000 2 $ 230,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 410,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 310,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 260,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 340,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,364,710,000 2 $ 710,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 2 $ 150,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 2 $ 130,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 138,948,000 2 $ 410,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 2 $ 180,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 510,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 95,000
Town & Country Bank and Trust Co.
PO BOX 305
BARDSTOWN, KY 40004
* $ 306,605,000 1 $ 1,605,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 1 $ 325,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 588,997,000 1 $ 165,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 4,072,671,000 1 $ 35,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 115,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 192,687,000 1 $ 235,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,384,000 1 $ 215,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 145,000
BNC National Bank

BISMARCK, ND 58501
* $ 945,013,000 1 $ 265,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 305,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 1 $ 45,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 1 $ 95,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 245,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ -1,000 1 $ 125,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 21,866,592,000 1 $ 115,000
Bokf NA
ONE WEST 3RD, 5TH FL
TULSA, OK 74172
* $ 32,217,466,000 1 $ 155,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 75,000
Transcend Credit Union
3740 BARDSTOWN ROAD
LOUISVILLE, KY 40218
* $ 393,267,000 1 $ 285,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 464,100,000 1 $ 425,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ -1,000 1 $ 175,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 1 $ 205,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 295,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 125,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 135,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 175,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 95,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 45,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 95,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 896,145,000 1 $ 165,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 165,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 165,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 1 $ 55,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 223,160,000 1 $ 75,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,056,164,000 1 $ 145,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 205,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 235,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 145,000
Hearthside Bank Corporation
1602 CUMBERLAND AVENUE
MIDDLESBORO, KY 40965
* $ 364,385,000 1 $ 75,000
National Bank of Commerce
1127 TOWER AVE
SUPERIOR, WI 54880
* $ 619,454,000 1 $ 355,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 1 $ 145,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 65,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 35,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ -1,000 1 $ 155,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 989,537,000 1 $ 145,000
Central Kentucky Agricultural
640 S BROADWAY
LEXINGTON, KY 40544
* $ -1,000 1 $ 55,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 2,602,670,000 1 $ 15,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 1 $ 75,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 125,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,167,122,000 1 $ 95,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 265,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 105,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 135,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 165,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 20,030,342,000 1 $ 185,000

The tables below break down 2018 mortgage applications in Boyle 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 Boyle County, KY in 2018

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 572 $82,510,000 $144,000 $865,000 $75,000 $606,000
Refinancing 134 $17,380,000 $129,000 $1,005,000 $78,000 $335,000
Cash-out Refinancing 120 $17,530,000 $146,000 $655,000 $65,000 $209,000
Home Improvement 105 $7,235,000 $68,000 $1,605,000 $72,000 $236,000
Other Purpose 55 $3,785,000 $68,000 $255,000 $76,000 $318,000
Not Applicable 14 $1,590,000 $113,000 $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 745 $95,875,000 $128,000 $1,005,000 $75,000 $606,000
Not applicable 125 $18,055,000 $144,000 $1,605,000 $58,000 $143,000
Not Provided 67 $9,015,000 $134,000 $575,000 $74,000 $330,000
Black or African American 34 $3,260,000 $95,000 $195,000 $50,000 $116,000
Hispanic 17 $2,495,000 $146,000 $275,000 $58,000 $156,000
Asian 6 $750,000 $125,000 $315,000 $143,000 $280,000
American Indian or Alaskan Native 3 $235,000 $78,000 $85,000 $31,000 $48,000
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) 643 $80,775,000 $125,000 $1,605,000 $82,000 $606,000
FHA-insured (Federal Housing Administration) 150 $19,000,000 $126,000 $275,000 $56,000 $203,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 123 $14,045,000 $114,000 $275,000 $44,000 $80,000
VA-guaranteed (Veterans Administration) 84 $16,210,000 $192,000 $655,000 $66,000 $170,000

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 538 $71,710,000 $133,000 $1,605,000 $77,000 $550,000
Application Denied By Financial Institution 152 $15,230,000 $100,000 $435,000 $52,000 $178,000
Loan Purchased By The Institution 142 $19,800,000 $139,000 $385,000 $88,000 $550,000
Application Withdrawn By Applicant 111 $16,075,000 $144,000 $865,000 $77,000 $403,000
File Closed For Incompleteness 30 $2,910,000 $97,000 $305,000 $46,000 $131,000
Application Approved But Not Accepted 27 $4,305,000 $159,000 $835,000 $115,000 $606,000
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 841 $112,085,000 $133,000 $1,005,000 $77,000 $606,000
Debt-To-Income Ratio 48 $6,820,000 $142,000 $1,605,000 $55,000 $284,000
Credit History 46 $3,560,000 $77,000 $205,000 $48,000 $112,000
Collateral 32 $3,590,000 $112,000 $255,000 $68,000 $178,000
Credit Application Incomplete 14 $2,010,000 $143,000 $315,000 $43,000 $71,000
Other 10 $1,080,000 $108,000 $255,000 $48,000 $120,000
Unverifiable Information 5 $415,000 $83,000 $145,000 $50,000 $90,000
Employment History 2 $100,000 $50,000 $75,000 $55,000 $56,000
Insufficient Cash (Downpayment, Closing Cost) 2 $370,000 $185,000 $225,000 $112,000 $171,000
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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