Christian County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 2,503 mortgage applications in Christian County, KY totaling $280.9 million, up 4% from 2010. The average application was for $112,000, and applicants reported an average income of $56,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was Wells Fargo Bank NA, with 281 applications, followed by Truist Bank and Bank of America NA.
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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 | 2,503 |
| Total Mortgage Loan Application Amount | $280,935,000 |
| Average Mortgage Loan Application Amount | $112,000 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $1,426,000 |
* 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 |
|---|---|---|---|---|
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 281 | $ 32,821,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 231 | $ 21,612,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 196 | $ 21,064,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 144 | $ 16,619,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ 609,294,000 | 127 | $ 13,138,000 |
| United Southern Bank PO BOX 951 HOPKINSVILLE, KY 42240 |
* | $ 243,876,000 | 115 | $ 11,871,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 115 | $ 9,147,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 115 | $ 13,013,000 |
| Heritage Bank 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 1,060,659,000 | 97 | $ 9,193,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 79 | $ 7,384,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 68 | $ 13,330,000 |
| Fortera Federal Credit Union 2050 LOWES DRIVE CLARKSVILLE, TN 37040 |
* | $ 406,754,000 | 54 | $ 5,888,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 52 | $ 5,113,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 51 | $ 7,046,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 790,289,000 | 42 | $ 4,423,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 39 | $ 4,471,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 34 | $ 6,357,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 34 | $ 4,483,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 32 | $ 4,287,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 31 | $ 266,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 29 | $ 3,427,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 25 | $ 3,511,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 22 | $ 1,837,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 20 | $ 1,504,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 19 | $ 2,536,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 18 | $ 2,369,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 18 | $ 2,304,000 |
| Bank of Cadiz & Trust Company P O BOX 2020 CADIZ, KY 42211 |
* | $ 99,362,000 | 17 | $ 1,137,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 16 | $ 2,170,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 15 | $ 1,933,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 13 | $ 1,306,000 |
| Cumberland Bank & Trust 502 MADISON STREET CLARKSVILLE, TN 37040 |
* | $ 144,753,000 | 12 | $ 874,000 |
| First Advantage Bank P.O. BOX 688 CLARKSVILLE, TN 37041 |
* | $ 345,154,000 | 12 | $ 887,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 11 | $ 1,083,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 11 | $ 1,083,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 10 | $ 1,575,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 10 | $ 1,190,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,609,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 9 | $ 1,369,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 9 | $ 785,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 458,261,000 | 9 | $ 463,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 8 | $ 774,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 8 | $ 1,332,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 8 | $ 928,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 8 | $ 994,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 8 | $ 368,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 7 | $ 709,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 7 | $ 648,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 7 | $ 921,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 6 | $ 729,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 6 | $ 483,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 5 | $ 449,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 5 | $ 433,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 5 | $ 856,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 476,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 4 | $ 487,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 4 | $ 581,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 4 | $ 117,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 4 | $ 159,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 4 | $ 626,000 |
| Magna Bank 6525 QUAIL HOLLOW RD STE 513 MEMPHIS, TN 38120 |
* | $ 426,512,000 | 4 | $ 426,000 |
| Fnb Bank Inc 101 E BROADWAY MAYFIELD, KY 42066 |
* | $ 338,550,000 | 4 | $ 220,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 4 | $ 417,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 335,824,000 | 3 | $ 495,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 11,516,509,000 | 3 | $ 366,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 3 | $ 453,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 3 | $ 549,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 3 | $ 486,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 3 | $ 255,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 589,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,363,730,000 | 2 | $ 120,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 442,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 2 | $ 298,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 290,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 2 | $ 326,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 2 | $ 199,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 2 | $ 99,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,104,501,000 | 2 | $ 127,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 652,138,000 | 2 | $ 429,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 2 | $ 416,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 2 | $ 256,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 2 | $ 480,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 2 | $ 210,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 2 | $ 232,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 2 | $ 303,000 |
| Legends Bank P.O. BOX 1066 CLARKSVILLE, TN 37041 |
* | $ 341,829,000 | 2 | $ 4,710,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 880,217,000 | 2 | $ 185,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 1,939,474,000 | 1 | $ 64,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 76,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 283,342,000 | 1 | $ 76,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 781,696,000 | 1 | $ 100,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 149,000 |
| Affiliated Mortgage Company 5700 LEGACY DRIVE STE 10 PLANO, TX 75024 |
* | $ 212,423,000 | 1 | $ 129,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,311,651,000 | 1 | $ 177,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 79,000 |
| Aurora Bank FSB 10350 PARK MEADOWS DRIVE LONE TREE, CO 80124 |
* | $ 4,335,558,000 | 1 | $ 68,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,312,000,000 | 1 | $ 183,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 5,285,622,000 | 1 | $ 122,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 990,285,000 | 1 | $ 89,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 318,387,000 | 1 | $ 122,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 134,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 91,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Fsnb, National Association PO BOX 33309 LAWTON, OK 73501 |
* | $ 334,268,000 | 1 | $ 2,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 62,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 70,000 |
| J.G. Wentworth Home Lending, LLC 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 69,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 83,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 105,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 187,000 |
The tables below break down 2011 mortgage applications in Christian 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 Christian County, KY in 2011
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 | 1,318 | $158,586,000 | $120,000 | $4,700,000 | $56,000 | $840,000 |
| Home Purchase | 990 | $115,156,000 | $116,000 | $5,000,000 | $53,000 | $1,426,000 |
| Home Improvement | 195 | $7,193,000 | $36,000 | $513,000 | $62,000 | $554,000 |
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 | 1,817 | $198,876,000 | $109,000 | $2,137,000 | $61,000 | $840,000 |
| Black or African American | 220 | $20,394,000 | $92,000 | $306,000 | $49,000 | $240,000 |
| Not applicable | 209 | $35,844,000 | $171,000 | $5,000,000 | $7,000 | $297,000 |
| Not Provided | 159 | $16,261,000 | $102,000 | $413,000 | $70,000 | $1,426,000 |
| Hispanic | 61 | $6,170,000 | $101,000 | $257,000 | $54,000 | $494,000 |
| Asian | 20 | $1,947,000 | $97,000 | $415,000 | $37,000 | $140,000 |
| American Indian or Alaskan Native | 12 | $945,000 | $78,000 | $151,000 | $84,000 | $244,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $498,000 | $99,000 | $212,000 | $51,000 | $105,000 |
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) | 1,296 | $141,556,000 | $109,000 | $5,000,000 | $71,000 | $1,426,000 |
| VA-guaranteed (Veterans Administration) | 755 | $93,184,000 | $123,000 | $374,000 | $35,000 | $173,000 |
| FHA-insured (Federal Housing Administration) | 423 | $43,121,000 | $101,000 | $267,000 | $46,000 | $554,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,074,000 | $106,000 | $173,000 | $39,000 | $82,000 |
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 | 1,227 | $145,973,000 | $118,000 | $5,000,000 | $65,000 | $1,426,000 |
| Application Denied By Financial Institution | 496 | $44,861,000 | $90,000 | $1,900,000 | $53,000 | $751,000 |
| Loan Purchased By The Institution | 456 | $54,483,000 | $119,000 | $390,000 | $36,000 | $297,000 |
| Application Withdrawn By Applicant | 170 | $18,764,000 | $110,000 | $415,000 | $54,000 | $343,000 |
| Application Approved But Not Accepted | 105 | $11,807,000 | $112,000 | $413,000 | $49,000 | $168,000 |
| File Closed For Incompleteness | 49 | $5,047,000 | $103,000 | $284,000 | $52,000 | $188,000 |
| 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 | 154 | $11,968,000 | $77,000 | $461,000 | $51,000 | $240,000 |
| Collateral | 78 | $8,608,000 | $110,000 | $344,000 | $61,000 | $198,000 |
| Debt-To-Income Ratio | 65 | $5,972,000 | $91,000 | $255,000 | $43,000 | $112,000 |
| Other | 37 | $4,064,000 | $109,000 | $368,000 | $56,000 | $124,000 |
| Credit Application Incomplete | 10 | $1,115,000 | $111,000 | $154,000 | $52,000 | $98,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $576,000 | $82,000 | $124,000 | $60,000 | $96,000 |
| Unverifiable Information | 6 | $564,000 | $94,000 | $134,000 | $45,000 | $93,000 |
| Employment History | 2 | $146,000 | $73,000 | $104,000 | $24,000 | $25,000 |
| 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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