Calloway County, KY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 989 mortgage applications in Calloway County, KY totaling $146.9 million, up 1% from 2018. The average application was for $148,000, and applicants reported an average income of $82,000. 61% of applications resulted in an originated loan and 14% were denied. The most active lender was Truist Bank, with 108 applications, followed by US Bank, N.A. and Crescent Mortgage Company.

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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 989
Total Mortgage Loan Application Amount $146,945,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $6,055,000
Average Applicant Income $82,000
Highest Applicant Income $650,000

Mortgage Company List for Lending in Calloway County, KY for 2019

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 108 $ 9,330,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 98 $ 14,150,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 71 $ 11,345,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 2,358,895,000 55 $ 7,175,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 40 $ 3,850,000
Fnb Bank Inc
101 E BROADWAY
MAYFIELD, KY 42066
* $ 506,834,000 34 $ 4,120,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 3,830,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 24 $ 3,240,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 23 $ 1,475,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 23 $ 4,205,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 18 $ 2,710,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 17 $ 2,925,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 16 $ 2,480,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 2,923,813,000 16 $ 3,850,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 14 $ 2,530,000
Heritage Bank USA, Inc.
4155 LAFAYETTE RD
HOPKINSVILLE, KY 42241
* $ 929,451,000 14 $ 2,790,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 13 $ 1,855,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 12 $ 1,150,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 12 $ 1,970,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 12 $ 1,890,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 1,645,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 10 $ 1,710,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 8 $ 1,350,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 8 $ 1,300,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 8 $ 1,260,000
River Valley Agcredit
P O BOX 309
PADUCAH, KY 42001
* $ -1,000 8 $ 1,460,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 7 $ 1,385,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 945,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 7 $ 995,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 850,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 6 $ 730,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 525,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 5 $ 515,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 515,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 600,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,039,284,000 4 $ 380,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 209,720,480,000 4 $ 790,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 4 $ 730,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 570,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 3 $ 505,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 3 $ 115,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 3 $ 345,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 3 $ 645,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 1,025,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 415,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 11,226,544,000 3 $ 125,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 3 $ 445,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 735,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 3 $ 425,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 675,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 3 $ 255,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 3 $ 195,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 2 $ 130,000
First Citizens National Bank

NEWARK, OH 43055
* $ 1,703,271,000 2 $ 150,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 2 $ 390,000
Stifel Bank & Trust
501 NORTH BROADWAY
ST. LOUIS, MO 63102
* $ 16,110,188,000 2 $ 370,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 2 $ 130,000
Bank of Cadiz and Trust Company
P.O. BOX 2020
CADIZ, KY 42211
* $ 103,088,000 2 $ 1,350,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 2 $ 470,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 2 $ 240,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 280,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,266,772,000 2 $ 90,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 2 $ 70,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 2 $ 400,000
Mortgage Masters of Indiana Inc
501 N CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ -1,000 2 $ 170,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 360,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 2 $ 220,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 2 $ 460,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 2 $ 340,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 2 $ 340,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 250,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 2 $ 230,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 210,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 120,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 12,915,178,000 2 $ 730,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 150,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 310,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ 740,176,000 2 $ 970,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 80,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 310,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 190,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 2 $ 240,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 2 $ 550,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 55,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 115,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 713,950,000 1 $ 125,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 215,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 315,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 684,352,000 1 $ 215,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ 664,284,000 1 $ 285,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ 1,796,239,000 1 $ 155,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 125,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 105,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 95,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 3,023,882,000 1 $ 145,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 185,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 1 $ 165,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 105,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 135,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ 514,936,000 1 $ 145,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 1,798,459,000 1 $ 75,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 144,960,000 1 $ 185,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 16,518,217,000 1 $ 205,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 839,978,000 1 $ 165,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 45,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 115,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 285,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 1 $ 215,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 65,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 305,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,230,165,000 1 $ 215,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 205,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 115,000
United Fidelity Funding Corp.
1300 NW BRIARCLIFF PKWY SUITE 275
JEFFERSON CITY, MO 64150
* $ -1,000 1 $ 135,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 65,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 241,136,000 1 $ 75,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 1 $ 105,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ 1,072,504,000 1 $ 125,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 1 $ 315,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 1 $ 25,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 215,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 165,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 95,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 245,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 125,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 155,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 1,105,154,000 1 $ 395,000
Carroll Bank and Trust
19510 E MAIN ST
HUNTINGDON, TN 38344
* $ 285,226,000 1 $ 95,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 255,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 40,636,055,000 1 $ 335,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 235,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 45,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 135,000
First Bank
11901 OLIVE BOULEVARD
SAINT LOUIS, MO 63141
* $ 6,346,426,000 1 $ 45,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 519,326,000 1 $ 15,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 1 $ 65,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 1 $ 165,000
Texas Bank and Trust
PO BOX 3188
LONGVIEW, TX 75601
* $ 2,528,019,000 1 $ 215,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 2,269,890,000 1 $ 6,055,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 95,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ 910,199,000 1 $ 105,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 65,000
Field & Main Bank
140 N. MAIN ST.
HENDERSON, KY 42420
* $ 443,520,000 1 $ 165,000

The tables below break down 2019 mortgage applications in Calloway 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 Calloway County, KY in 2019

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 520 $84,980,000 $163,000 $6,055,000 $84,000 $650,000
Refinancing 201 $32,195,000 $160,000 $1,885,000 $79,000 $335,000
Cash-out Refinancing 135 $20,745,000 $153,000 $1,055,000 $71,000 $302,000
Other Purpose 71 $4,575,000 $64,000 $325,000 $87,000 $600,000
Home Improvement 50 $3,190,000 $63,000 $505,000 $96,000 $511,000
Not Applicable 12 $1,260,000 $105,000 $255,000 $92,000 $92,000

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 783 $104,955,000 $134,000 $995,000 $83,000 $650,000
Not Provided 84 $11,370,000 $135,000 $505,000 $83,000 $511,000
Not applicable 83 $24,605,000 $296,000 $6,055,000 $63,000 $152,000
Black or African American 16 $2,750,000 $171,000 $475,000 $82,000 $325,000
Asian 9 $1,685,000 $187,000 $295,000 $69,000 $152,000
Hispanic 8 $830,000 $103,000 $215,000 $51,000 $103,000
Native Hawaiian or Other Pacific Islander 2 $310,000 $155,000 $285,000 $58,000 $66,000
American Indian or Alaskan Native 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) 696 $103,710,000 $149,000 $6,055,000 $90,000 $650,000
VA-guaranteed (Veterans Administration) 122 $22,240,000 $182,000 $455,000 $61,000 $152,000
FHA-insured (Federal Housing Administration) 89 $10,545,000 $118,000 $225,000 $61,000 $525,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 82 $10,450,000 $127,000 $245,000 $50,000 $97,000

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 602 $96,530,000 $160,000 $6,055,000 $84,000 $615,000
Application Denied By Financial Institution 135 $15,485,000 $114,000 $485,000 $68,000 $525,000
Loan Purchased By The Institution 94 $14,530,000 $154,000 $395,000 $74,000 $245,000
Application Withdrawn By Applicant 92 $12,930,000 $140,000 $385,000 $86,000 $650,000
File Closed For Incompleteness 45 $5,135,000 $114,000 $305,000 $72,000 $176,000
Application Approved But Not Accepted 21 $2,335,000 $111,000 $505,000 $127,000 $621,000
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 788 $121,860,000 $154,000 $6,055,000 $82,000 $615,000
Debt-To-Income Ratio 102 $15,060,000 $147,000 $785,000 $89,000 $650,000
Credit History 41 $3,825,000 $93,000 $255,000 $54,000 $204,000
Collateral 23 $2,115,000 $91,000 $325,000 $75,000 $250,000
Credit Application Incomplete 17 $1,525,000 $89,000 $225,000 $97,000 $525,000
Other 13 $1,915,000 $147,000 $405,000 $103,000 $250,000
Unverifiable Information 4 $520,000 $130,000 $285,000 $98,000 $144,000
Insufficient Cash (Downpayment, Closing Cost) 1 $125,000 $125,000 $125,000 $27,000 $27,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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