Boyle County, KY Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,070 mortgage applications in Boyle County, KY totaling $194.9 million, up 17% from 2023. The average application was for $182,000, and applicants reported an average income of $99,000. 52% of applications resulted in an originated loan and 16% were denied. The most active lender was New American Funding, Llc., with 61 applications, followed by Abound Federal Credit Union 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 1,070
Total Mortgage Loan Application Amount $194,880,000
Average Mortgage Loan Application Amount $182,000
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $99,000
Highest Applicant Income $1,363,000

Mortgage Company List for Lending in Boyle County, KY for 2024

* 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
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 61 $ 11,135,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ n/a 48 $ 5,180,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 48 $ 4,810,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 41 $ 4,395,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ n/a 40 $ 5,510,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 34 $ 7,920,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ n/a 32 $ 5,060,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 28 $ 7,440,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 25 $ 1,965,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 24 $ 4,030,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ n/a 23 $ 3,275,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 21 $ 5,205,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 21 $ 4,595,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 20 $ 4,470,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 19 $ 4,735,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 18 $ 3,750,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 17 $ 3,845,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 17 $ 2,585,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ n/a 16 $ 2,820,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 16 $ 1,690,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 14 $ 3,170,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ n/a 13 $ 1,945,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ n/a 13 $ 2,735,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 11 $ 765,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 11 $ 1,615,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 10 $ 880,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 10 $ 1,800,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 9 $ 1,675,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ n/a 9 $ 1,805,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 9 $ 1,845,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 9 $ 2,005,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 9 $ 1,745,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 1,555,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 8 $ 1,480,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 8 $ 710,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 8 $ 1,420,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ n/a 7 $ 865,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 7 $ 775,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 7 $ 1,185,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ n/a 6 $ 2,640,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ n/a 6 $ 600,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 6 $ 1,030,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 5 $ 355,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 5 $ 895,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 5 $ 1,255,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ n/a 5 $ 975,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ n/a 5 $ 1,075,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 845,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 555,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 5 $ 855,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 265,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ n/a 5 $ 3,735,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ n/a 5 $ 355,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ n/a 5 $ 945,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 5 $ 465,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 5 $ 1,295,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 5 $ 1,375,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ n/a 5 $ 905,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 4 $ 920,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 4 $ 1,130,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ n/a 4 $ 1,280,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 4 $ 900,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 290,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 4 $ 840,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 4 $ 520,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ n/a 4 $ 820,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 4 $ 310,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ n/a 3 $ 745,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 3 $ 2,245,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 875,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 355,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 3 $ 425,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 3 $ 735,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 3 $ 715,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 3 $ 565,000
Bank of the Bluegrass & Trust Co.
101 EAST HIGH STREET
LEXINGTON, KY 40507
* $ n/a 3 $ 635,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 3 $ 795,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 3 $ 205,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 2 $ 130,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 2 $ 1,150,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 2 $ 400,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ n/a 2 $ 450,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 440,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 2 $ 150,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 2 $ 440,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 610,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 380,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 2 $ 890,000
The Mortgage Warehouse, LLC
13430 PARKER COMMONS BLVD SUITE 103
FORT MYERS, FL 33912
* $ n/a 2 $ 480,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ n/a 2 $ 420,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 490,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 2 $ 460,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 440,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 2 $ 650,000
Central Kentucky Agricultural
640 S BROADWAY
LEXINGTON, KY 40544
* $ n/a 2 $ 500,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 2 $ 1,200,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 2 $ 400,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 580,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 590,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 280,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 1,350,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 2 $ 280,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 2 $ 590,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 2 $ 370,000
Corning Credit Union
ONE CREDIT UNION PLAZA
CORNING, NY 14830
* $ n/a 1 $ 105,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 225,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 1 $ 65,000
Reliable Holdings Manager dba Lendz Financial
19790 W DIXIE HWY SUITE 104
MIAMI, FL 33180
* $ n/a 1 $ 155,000
Academy Bank, N.A.
8551 NORTH BOARDWALK AVE
KANSAS CITY, MO 64106
* $ n/a 1 $ 215,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 185,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ n/a 1 $ 45,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ n/a 1 $ 75,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 1 $ 325,000
Southstate Bank, National Association
1101 1ST STREET SOUTH
WINTER HAVEN, FL 33880
* $ n/a 1 $ 135,000
Georgia's Own Credit Union
100 PEACHTREE ST NW
100 PEACHTREE ST. NW 2800, GA 30303
* $ n/a 1 $ 165,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ n/a 1 $ 45,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 225,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 335,000
Temple View Capital Funding LP
7550 WISCONSIN AVE STE 1000
BETHESDA, MD 20814
* $ n/a 1 $ 235,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 75,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ n/a 1 $ 195,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 235,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 305,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 305,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 265,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 305,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ n/a 1 $ 295,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 475,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 1 $ 55,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 1 $ 285,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ n/a 1 $ 295,000
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ n/a 1 $ 275,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ n/a 1 $ 125,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 55,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 115,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 235,000
First Colony Mortgage Corporat
500 EAST PARK AVENUE SUITE 900
OREM, UT 84097
* $ n/a 1 $ 165,000
Legacy Home Loans, LLC
4025 HILLSBORO PIKE #601
BRENTWOOD, TN 37027
* $ n/a 1 $ 195,000
Hearthside Bank Corporation
1602 CUMBERLAND AVENUE
MIDDLESBORO, KY 40965
* $ n/a 1 $ 295,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 235,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 115,000
Transcend Credit Union
3740 BARDSTOWN ROAD
LOUISVILLE, KY 40218
* $ n/a 1 $ 535,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 285,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 1 $ 255,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 235,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ n/a 1 $ 345,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 315,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 125,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 1 $ 175,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 295,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 165,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 175,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 1 $ 195,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 245,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 1 $ 315,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 165,000
Bank of Lexington
761 CORPORATE DRIVE
LEXINGTON, KY 40503
* $ n/a 1 $ 305,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 495,000

The tables below break down 2024 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 2024

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 608 $127,510,000 $209,000 $1,985,000 $100,000 $706,000
Cash-out Refinancing 160 $28,320,000 $177,000 $565,000 $81,000 $242,000
Refinancing 115 $26,635,000 $231,000 $3,005,000 $122,000 $1,363,000
Home Improvement 94 $6,410,000 $68,000 $305,000 $101,000 $600,000
Other Purpose 92 $5,930,000 $64,000 $355,000 $100,000 $750,000
Not Applicable 1 $75,000 $75,000 $75,000 $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 769 $127,845,000 $166,000 $845,000 $100,000 $1,363,000
Not applicable 121 $35,575,000 $294,000 $3,005,000 $97,000 $97,000
Not Provided 87 $16,375,000 $188,000 $575,000 $102,000 $750,000
Hispanic 43 $6,895,000 $160,000 $375,000 $78,000 $299,000
Black or African American 34 $4,620,000 $135,000 $385,000 $79,000 $185,000
Asian 10 $2,690,000 $269,000 $495,000 $158,000 $347,000
American Indian or Alaskan Native 5 $775,000 $155,000 $345,000 $96,000 $200,000
Native Hawaiian or Other Pacific Islander 1 $105,000 $105,000 $105,000 $55,000 $55,000

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) 766 $126,670,000 $165,000 $3,005,000 $105,000 $1,363,000
FHA-insured (Federal Housing Administration) 179 $37,815,000 $211,000 $585,000 $80,000 $435,000
VA-guaranteed (Veterans Administration) 96 $25,310,000 $263,000 $565,000 $80,000 $163,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $5,085,000 $175,000 $305,000 $69,000 $115,000

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 556 $99,980,000 $179,000 $1,085,000 $105,000 $1,363,000
Application Denied By Financial Institution 173 $27,155,000 $156,000 $1,855,000 $76,000 $480,000
Application Withdrawn By Applicant 155 $31,755,000 $204,000 $3,005,000 $99,000 $674,000
Loan Purchased By The Institution 95 $21,625,000 $227,000 $765,000 $122,000 $301,000
File Closed For Incompleteness 63 $10,515,000 $166,000 $615,000 $110,000 $750,000
Application Approved But Not Accepted 26 $3,450,000 $132,000 $475,000 $71,000 $219,000
Preapproval Approved but not Accepted 1 $195,000 $195,000 $195,000 $151,000 $151,000
Preapproval Denied by Financial Institution 1 $205,000 $205,000 $205,000 $45,000 $45,000

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 872 $164,410,000 $188,000 $3,005,000 $103,000 $1,363,000
Debt-To-Income Ratio 72 $13,090,000 $181,000 $1,855,000 $80,000 $706,000
Credit History 59 $5,345,000 $90,000 $265,000 $64,000 $207,000
Collateral 17 $2,325,000 $136,000 $425,000 $115,000 $321,000
Credit Application Incomplete 17 $2,695,000 $158,000 $445,000 $130,000 $435,000
Unverifiable Information 13 $2,325,000 $178,000 $585,000 $70,000 $137,000
Other 12 $3,210,000 $267,000 $1,845,000 $58,000 $97,000
Insufficient Cash (Downpayment, Closing Cost) 6 $920,000 $153,000 $245,000 $130,000 $480,000
Employment History 2 $560,000 $280,000 $435,000 $49,000 $51,000
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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