Christian County, KY Mortgage Lenders & HMDA Data, 2017

In 2017, lenders reported 1,993 mortgage applications in Christian County, KY totaling $226.0 million, up 1% from 2016. The average application was for $113,000, and applicants reported an average income of $60,000. 57% of applications resulted in an originated loan and 16% were denied. The most active lender was Planters Bank, Inc., with 177 applications, followed by Franklin American Mortgage Company and Heritage Bank USA, Inc..

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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 1,993
Total Mortgage Loan Application Amount $225,997,000
Average Mortgage Loan Application Amount $113,000
Highest Mortgage Loan Application Amount $1,970,000
Average Applicant Income $60,000
Highest Applicant Income $955,000

Mortgage Company List for Lending in Christian County, KY for 2017

* 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
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ 975,077,000 177 $ 18,387,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 131 $ 16,432,000
Heritage Bank USA, Inc.
4155 LAFAYETTE RD
HOPKINSVILLE, KY 42241
* $ 889,605,000 108 $ 15,208,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 91 $ 12,836,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 441,010,095,000 88 $ 8,903,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 214,433,035,000 83 $ 7,691,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,727,235,000,000 73 $ 9,262,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ 527,783,000 71 $ 6,611,000
United Southern Bank
PO BOX 951
HOPKINSVILLE, KY 42240
* $ 246,801,000 58 $ 3,791,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 54 $ 6,700,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 77,760,914,000 53 $ 7,047,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 53 $ 6,521,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 79,775,662,000 42 $ 3,509,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 40 $ 3,604,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 35 $ 3,544,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 34 $ 3,930,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 31 $ 3,479,000
Fnb Bank Inc
101 E BROADWAY
MAYFIELD, KY 42066
* $ 452,041,000 29 $ 3,109,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 978,809,000 26 $ 4,520,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 26 $ 3,730,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 25 $ 1,836,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 23 $ 2,545,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 968,843,000 22 $ 3,195,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 20 $ 2,597,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 19 $ 1,415,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 18 $ 1,097,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 18 $ 3,232,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 18,252,081,000 17 $ 1,722,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 16 $ 2,234,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 16 $ 2,059,000
Amerifirst Financial, Inc.
1550 E. MCKELLIPS RD, SUITE 117
MESA, AZ 85203
* $ -1,000 16 $ 1,046,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 15 $ 2,680,000
Bank of Cadiz and Trust Company
P.O. BOX 2020
CADIZ, KY 42211
* $ 111,126,000 15 $ 832,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 14 $ 2,383,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 549,102,000 13 $ 814,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,082,803,000,000 11 $ 1,073,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 11 $ 1,475,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,677,490,000,000 11 $ 883,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 27,829,056,000 10 $ 939,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 8 $ 782,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 200,557,635,000 8 $ 140,000
First Advantage Bank
1430 MADISON STREET
CLARKSVILLE, TN 37040
* $ 528,339,000 8 $ 957,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 7 $ 1,079,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 3,275,430,000 7 $ 464,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 7 $ 1,201,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 7 $ 585,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ -1,000 7 $ 435,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 866,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 1,083,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 6 $ 248,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,042,021,000 6 $ 479,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 1,068,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,095,554,000 5 $ 874,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 5 $ 829,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,254,502,000 5 $ 522,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 5 $ 603,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 5 $ 594,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 5 $ 933,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 508,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 355,999,734,000 4 $ 255,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,883,786,000 4 $ 339,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ -1,000 4 $ 450,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,277,552,000 4 $ 242,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 4 $ 382,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ -1,000 4 $ 306,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 481,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 21,301,361,000 4 $ 524,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ 415,703,000 4 $ 197,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 3 $ 383,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 3 $ 3,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ 0 3 $ 376,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 229,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 798,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 475,515,000 3 $ 407,000
Cumberland Bank & Trust
502 MADISON STREET
CLARKSVILLE, TN 37040
* $ 179,469,000 3 $ 261,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 317,715,000 3 $ 659,000
Sumner Bank & Trust
240 W BROADWAY
GALLATIN, TN 37066
* $ 154,304,000 3 $ 136,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 353,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,349,581,000,000 3 $ 234,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ 89,030,433,000 3 $ 419,000
Acceptance Capital Mortgage
113 EAST MAGNESIUM RD, UNIT D
SPOKANE, WA 99208
* $ -1,000 3 $ 298,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 561,134,000 2 $ 284,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ 2,800,000,000 2 $ 270,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 224,000
First State Bank Inc.
110 N. FIRST ST
CENTRAL CITY, KY 42330
* $ 125,436,000 2 $ 66,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 13,265,339,000 2 $ 102,000
Intercap Lending Inc
910 EAST 6600 SOUTH
SALT LAKE CITY, UT 84121
* $ -1,000 2 $ 246,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ 514,606,000 2 $ 122,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 302,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 14,759,060,000 2 $ 169,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ -1,000 2 $ 144,000
First Federal Savings and Loan
212 N FRANKLIN
GREENSBURG, IN 47240
* $ 149,418,000 2 $ 504,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 2 $ 21,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 245,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ -1,000 2 $ 158,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 2 $ 206,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 183,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,128,592,000 2 $ 270,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 195,406,000 2 $ 291,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 157,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 983,700,000 2 $ 97,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 252,204,000 2 $ 50,000
Capital Bank, N.A.
ONE CHURCH ST SUITE 300
ROCKVILLE, MD 20850
* $ 900,659,000 1 $ 154,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,393,408,000 1 $ 112,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ 458,322,000 1 $ 5,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 855,307,000 1 $ 43,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 155,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 121,000
Heritage Federal Credit Union
PO BOX 189
NEWBURGH, IN 47629
* $ 531,368,000 1 $ 152,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ 618,440,000 1 $ 62,000
First Farmers and Merchants Bank
P.0. BOX 1148
COLUMBIA, TN 38401
* $ 1,332,794,000 1 $ 35,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 59,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 131,174,000 1 $ 134,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 174,000
The Farmers National Bank of Scottsville
1595 VETERANS MEMORIAL HWY
SCOTTSVILLE, KY 42164
* $ 245,890,000 1 $ 215,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 11,096,621,000 1 $ 372,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 1 $ 118,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 44,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 104,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 29,070,880,000 1 $ 688,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 105,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 835,262,000 1 $ 250,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 2,002,516,000 1 $ 116,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 320,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 149,000
Citizens First Bank, Inc.
1805 CAMPBELL LN
BOWLING GREEN, KY 42104
* $ 455,354,000 1 $ 68,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 1 $ 248,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ -1,000 1 $ 85,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 190,000
McKenzie Banking Company
676 N MAIN ST
MCKENZIE, TN 38201
* $ 126,611,000 1 $ 81,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 858,209,000 1 $ 194,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 104,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 91,146,995,000 1 $ 75,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 1 $ 150,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ 1,992,014,000 1 $ 28,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 140,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 1 $ 64,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 286,080,320,000 1 $ 38,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ 93,524,000 1 $ 103,000
First Midwest Bank
300 N. HUNT CLUB ROAD
GURNEE, IL 60031
* $ 11,254,182,000 1 $ 25,000
Countryplace Mortgage, Ltd.

PLANO, TX 75024
* $ -1,000 1 $ 113,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,186,502,000 1 $ 206,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 178,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,980,496,000 1 $ 58,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 90,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ -1,000 1 $ 155,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 120,000
Hancock Bank & Trust Company
220 MAIN STREET
HAWESVILLE, KY 42348
* $ 279,449,000 1 $ 240,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 82,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 69,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 154,000

The tables below break down 2017 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 2017

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 1,102 $133,884,000 $121,000 $850,000 $62,000 $944,000
Refinancing 719 $85,491,000 $118,000 $1,970,000 $56,000 $955,000
Home Improvement 172 $6,622,000 $38,000 $403,000 $62,000 $638,000

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 1,282 $149,096,000 $116,000 $1,970,000 $75,000 $955,000
Not applicable 273 $31,708,000 $116,000 $1,500,000 $0 $73,000
Black or African American 183 $17,154,000 $93,000 $488,000 $56,000 $377,000
Not Provided 150 $17,172,000 $114,000 $386,000 $52,000 $318,000
Hispanic 64 $6,189,000 $96,000 $220,000 $54,000 $226,000
Asian 18 $2,428,000 $134,000 $337,000 $74,000 $135,000
American Indian or Alaskan Native 17 $1,782,000 $104,000 $190,000 $59,000 $136,000
Native Hawaiian or Other Pacific Islander 6 $468,000 $78,000 $109,000 $36,000 $69,000

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) 1,085 $109,350,000 $100,000 $1,970,000 $77,000 $955,000
VA-guaranteed (Veterans Administration) 620 $84,610,000 $136,000 $464,000 $41,000 $348,000
FHA-insured (Federal Housing Administration) 259 $29,070,000 $112,000 $320,000 $40,000 $191,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $2,967,000 $102,000 $182,000 $33,000 $98,000

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 1,128 $133,878,000 $118,000 $1,970,000 $74,000 $944,000
Application Denied By Financial Institution 320 $28,653,000 $89,000 $419,000 $50,000 $294,000
Loan Purchased By The Institution 209 $25,788,000 $123,000 $417,000 $12,000 $212,000
Application Withdrawn By Applicant 172 $19,949,000 $115,000 $464,000 $55,000 $198,000
File Closed For Incompleteness 86 $9,253,000 $107,000 $386,000 $36,000 $250,000
Application Approved But Not Accepted 78 $8,476,000 $108,000 $252,000 $72,000 $955,000
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 76 $5,204,000 $68,000 $320,000 $54,000 $136,000
Debt-To-Income Ratio 45 $4,106,000 $91,000 $239,000 $42,000 $133,000
Collateral 29 $3,785,000 $130,000 $300,000 $56,000 $132,000
Credit Application Incomplete 15 $1,430,000 $95,000 $218,000 $32,000 $97,000
Other 15 $1,252,000 $83,000 $162,000 $46,000 $153,000
Employment History 6 $713,000 $118,000 $219,000 $54,000 $115,000
Insufficient Cash (Downpayment, Closing Cost) 6 $436,000 $72,000 $125,000 $49,000 $104,000
Unverifiable Information 1 $77,000 $77,000 $77,000 $35,000 $35,000
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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