Caldwell County, KY Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 648 mortgage applications in Caldwell County, KY totaling $42.5 million, down 4% from 2003. The average application was for $65,000, and applicants reported an average income of $51,000. 38% of applications resulted in an originated loan and 27% were denied. The most active lender was Integra Bank, with 65 applications, followed by Fifth Third Mortgage Company and Beneficial.
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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 | $42,533,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $632,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $2,752,000 |
* 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 |
|---|---|---|---|---|
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,951,084,000 | 65 | $ 3,203,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 48 | $ 4,694,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 38 | $ 2,350,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 820,103,000,000 | 36 | $ 1,302,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 26 | $ 1,964,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 21 | $ 1,573,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 19 | $ 2,266,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 19 | $ 1,078,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 19 | $ 1,284,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 14 | $ 918,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 273,618,000 | 14 | $ 1,380,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 876,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 11 | $ 379,000 |
| Washingtion Mutual Finance Cor 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 11 | $ 479,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 10 | $ 198,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 10 | $ 535,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 8 | $ 683,000 |
| US Bancorp,Consumer Finance Ky 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 174,000,000 | 8 | $ 126,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 8 | $ 768,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 7 | $ 592,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 7 | $ 539,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 7 | $ 320,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 7 | $ 93,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 6 | $ 292,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 6 | $ 653,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 6 | $ 253,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 6 | $ 491,000 |
| American General Home Equ.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 6 | $ 255,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 9,124,684,000 | 6 | $ 218,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 6 | $ 389,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 6 | $ 317,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 531,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 5 | $ 263,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 5 | $ 373,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 5 | $ 126,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 4 | $ 136,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 4 | $ 357,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 367,047,000 | 4 | $ 514,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 4 | $ 213,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 4 | $ 174,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 4 | $ 203,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 114,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 4 | $ 203,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 3 | $ 295,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 141,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 3 | $ 152,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 3 | $ 262,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 3 | $ 103,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 337,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 3 | $ 171,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 391,788,000 | 3 | $ 173,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,655,913,000 | 2 | $ 175,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 87,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 118,000 |
| Fortera Federal Credit Union 2050 LOWES DRIVE CLARKSVILLE, TN 37040 |
* | $ 196,787,000 | 2 | $ 245,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 148,000 |
| Heritage Bank 4155 LAFAYETTE RD HOPKINSVILLE, KY 42240 |
* | $ 528,765,000 | 2 | $ 76,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 247,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 83,000 |
| Bank of Cadiz & Trust Company P O BOX 2020 CADIZ, KY 42211 |
* | $ 88,454,000 | 2 | $ 81,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 2 | $ 58,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 2 | $ 149,000 |
| Citimortgage, Inc. ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 59,720,267,000 | 2 | $ 102,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 2 | $ 80,000 |
| Aegis Mortgage Corporation 3250 BRIARPARK DRIVE, SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 2 | $ 205,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 2 | $ 125,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 2 | $ 17,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 108,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ 199,721,000 | 2 | $ 193,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 62,020,896,000 | 2 | $ 79,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 129,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 2 | $ 185,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 48,000 |
| United Southern Bank PO BOX 951 HOPKINSVILLE, KY 42240 |
* | $ 119,855,000 | 1 | $ 96,000 |
| Unimortgage LLC 8647 BAYPINE ROAD SUITE 100 JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Secured Funding 2955 REDHILL AVE COSTA MESA, CA 92626 |
* | $ 10,000,000 | 1 | $ 19,000 |
| Sib Mortgage Corp. 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 2,646,970,000 | 1 | $ 136,000 |
| Sprint Funding Corporation 6 EXECUTIVE CIRCLE SUITE 200 IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Staten Island Bank & T C/O Icb 195 MONTAGUE STREET BROOKLYN, NY 11201 |
* | $ 7,445,108,000 | 1 | $ 136,000 |
| Stonebridge Bank 605 WILLOWBROOK LANE WEST CHESTER, PA 19382 |
* | $ 260,470,000 | 1 | $ 24,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 200,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 6,057,833,000 | 1 | $ 85,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 204,688,000 | 1 | $ 90,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 28,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Mortgage It Inc 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 56,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 1 | $ 65,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 267,252,000 | 1 | $ 59,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 1 | $ 62,000 |
| Washtenaw Mortgage Company 3767 RANCHERO DRIVE ANN ARBOR, MI 48108 |
* | $ 130,602,000 | 1 | $ 50,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 60,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 26,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 611,144,000 | 1 | $ 63,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 102,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 73,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 32,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,051,000 | 1 | $ 41,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 1 | $ 87,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Capitalone 15000 CAPITAL ONE DR RICHMOND, VA 23238 |
* | $ 12,581,787,000 | 1 | $ 33,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 212,818,000 | 1 | $ 212,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 65,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 160,000 |
| First Indiana Bank 135 NORTH PENNSYLVANIA INDIANAPOLIS, IN 46204 |
* | $ 2,178,163,000 | 1 | $ 51,000 |
| First Nlc Financial Services, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 10,000 |
| Guaranty Residential Lending 1300 S. MOPAC EXPWY AUSTIN, TX 78746 |
* | $ 9,102,046,000 | 1 | $ 35,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 1 | $ 138,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 85,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 95,600,000 | 1 | $ 164,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 1 | $ 50,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 1 | $ 70,000 |
The tables below break down 2004 mortgage applications in Caldwell 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 Caldwell County, KY in 2004
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 | 396 | $28,313,000 | $71,000 | $236,000 | $55,000 | $2,752,000 |
| Home Purchase | 160 | $10,834,000 | $67,000 | $346,000 | $47,000 | $300,000 |
| Home Improvement | 92 | $3,386,000 | $36,000 | $632,000 | $45,000 | $390,000 |
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 | 493 | $33,535,000 | $68,000 | $632,000 | $47,000 | $390,000 |
| Not Provided | 80 | $5,562,000 | $69,000 | $207,000 | $90,000 | $2,752,000 |
| Not applicable | 41 | $1,980,000 | $48,000 | $170,000 | $7,000 | $122,000 |
| Black or African American | 22 | $853,000 | $38,000 | $136,000 | $39,000 | $114,000 |
| Hispanic | 8 | $384,000 | $48,000 | $113,000 | $32,000 | $72,000 |
| American Indian or Alaskan Native | 2 | $112,000 | $56,000 | $101,000 | $174,000 | $300,000 |
| Asian | 1 | $47,000 | $47,000 | $47,000 | $27,000 | $27,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $60,000 | $60,000 | $60,000 | $60,000 | $60,000 |
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) | 635 | $41,825,000 | $65,000 | $632,000 | $52,000 | $2,752,000 |
| FHA-insured (Federal Housing Administration) | 10 | $543,000 | $54,000 | $96,000 | $16,000 | $31,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $165,000 | $55,000 | $66,000 | $38,000 | $45,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 247 | $17,491,000 | $70,000 | $632,000 | $73,000 | $2,752,000 |
| Application Denied By Financial Institution | 173 | $9,976,000 | $57,000 | $200,000 | $41,000 | $114,000 |
| Application Withdrawn By Applicant | 95 | $6,554,000 | $68,000 | $212,000 | $42,000 | $96,000 |
| Loan Purchased By The Institution | 64 | $4,351,000 | $67,000 | $215,000 | $23,000 | $122,000 |
| Application Approved But Not Accepted | 55 | $3,104,000 | $56,000 | $167,000 | $50,000 | $300,000 |
| File Closed For Incompleteness | 14 | $1,057,000 | $75,000 | $200,000 | $45,000 | $81,000 |
| 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 | 64 | $3,213,000 | $50,000 | $135,000 | $40,000 | $114,000 |
| Other | 33 | $2,299,000 | $69,000 | $170,000 | $45,000 | $107,000 |
| Debt-To-Income Ratio | 17 | $1,068,000 | $62,000 | $200,000 | $25,000 | $60,000 |
| Credit Application Incomplete | 11 | $515,000 | $46,000 | $130,000 | $54,000 | $92,000 |
| Collateral | 6 | $503,000 | $83,000 | $164,000 | $38,000 | $54,000 |
| Unverifiable Information | 3 | $222,000 | $74,000 | $100,000 | $54,000 | $86,000 |
| Employment History | 2 | $85,000 | $42,000 | $83,000 | $61,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $154,000 | $154,000 | $154,000 | $0 | $0 |
| 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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