Garrard County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 898 mortgage applications in Garrard County, KY totaling $102.3 million, down 6% from 2012. The average application was for $113,000, and applicants reported an average income of $61,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was JPMorgan Chase Bank, NA, with 88 applications, followed by Wells Fargo Bank NA and Whitaker Bank 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 | 898 |
| Total Mortgage Loan Application Amount | $102,274,000 |
| Average Mortgage Loan Application Amount | $113,000 |
| Highest Mortgage Loan Application Amount | $932,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $1,001,000 |
* 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 |
|---|---|---|---|---|
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 88 | $ 10,789,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 61 | $ 8,001,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,441,431,000 | 57 | $ 2,859,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 698,534,000 | 45 | $ 3,597,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 38 | $ 4,580,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 28 | $ 2,994,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 26 | $ 2,949,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 25 | $ 1,898,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 25 | $ 3,115,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 23 | $ 2,965,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 23 | $ 3,357,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 20 | $ 2,296,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 817,138,000 | 20 | $ 2,676,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,946,864,000 | 18 | $ 2,407,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 17 | $ 1,966,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,077,868,000 | 14 | $ 1,057,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 12 | $ 1,238,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 11 | $ 1,648,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 11 | $ 1,521,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 1,268,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 10 | $ 1,163,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 10 | $ 1,745,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 9 | $ 824,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,064,582,000 | 8 | $ 795,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 700,841,000 | 8 | $ 956,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 7 | $ 1,329,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,287,124,000 | 7 | $ 705,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 6,680,971,000 | 7 | $ 576,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 7 | $ 761,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 7 | $ 701,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 340,716,000 | 7 | $ 703,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 7 | $ 880,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 416,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 6 | $ 1,087,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 6 | $ 853,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 6 | $ 677,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 415,314,000 | 6 | $ 444,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 475,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 137,781,000 | 5 | $ 656,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,617,126,000 | 5 | $ 318,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 928,031,000 | 5 | $ 476,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 747,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 1,009,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 4 | $ 406,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 4 | $ 281,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 4 | $ 535,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 4 | $ 756,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 4 | $ 761,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 559,772,000 | 4 | $ 387,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 3 | $ 374,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 3 | $ 392,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 250,000 |
| United Bank & Trust 100 UNITED BANK DRIVE VERSAILLES, KY 40383 |
* | $ 539,792,000 | 3 | $ 233,000 |
| Town & Country Bank and Trust Co. PO BOX 305 BARDSTOWN, KY 40004 |
* | $ 284,095,000 | 3 | $ 308,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 390,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 900,762,000 | 3 | $ 161,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 408,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 561,000 |
| Farmers Bank 200 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 106,619,000 | 3 | $ 287,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 378,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 135,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 221,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 400,000 |
| Town Square Bank Inc PO BOX 2289 ASHLAND, KY 41105 |
* | $ 165,669,000 | 2 | $ 115,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 2 | $ 258,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 387,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 198,000 |
| Citizens Commerce Bank 534 MARSAILLES ROAD VERSAILLES, KY 40383 |
* | $ 222,045,000 | 2 | $ 251,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 209,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 2 | $ 214,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 2 | $ 244,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 392,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 251,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 2 | $ 253,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 237,816,000 | 2 | $ 315,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 791,697,000 | 2 | $ 116,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 227,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 167,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 2 | $ 307,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,784,213,000 | 2 | $ 328,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 187,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 419,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 2 | $ 333,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,743,288,000 | 1 | $ 20,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 108,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 780,088,000 | 1 | $ 65,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ 502,411,000 | 1 | $ 185,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 79,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,365,864,000 | 1 | $ 172,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 177,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 52,000 |
| Coastal States Mortgage, Inc. 5 BOW CIRCLE HILTON HEAD ISLAND, SC 29928 |
* | $ 10,000,000 | 1 | $ 106,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 122,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 81,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,232,230,000 | 1 | $ 147,000 |
| First Savings Bank, FSB 501 E. LEWIS & CLARK PARKWAY CLARKSVILLE, IN 47129 |
* | $ 649,561,000 | 1 | $ 108,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 949,559,000 | 1 | $ 112,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 183,000 |
| Bank of Lexington 761 CORPORATE DRIVE LEXINGTON, KY 40503 |
* | $ 191,127,000 | 1 | $ 87,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 240,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 75,000 |
| Members Heritage FCU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 341,070,000 | 1 | $ 4,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,678,270,000 | 1 | $ 50,000 |
| American Founders Bank, Inc. 1200 FOREST BRIDGE ROAD LOUISVILLE, KY 40223 |
* | $ 344,495,000 | 1 | $ 41,000 |
| Eagle.Bank 6415 BRIDGETOWN ROAD CINCINNATI, OH 45248 |
* | $ 105,835,000 | 1 | $ 220,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 170,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 70,000 |
The tables below break down 2013 mortgage applications in Garrard 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 Garrard County, KY in 2013
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 | 513 | $62,457,000 | $121,000 | $932,000 | $64,000 | $1,001,000 |
| Home Purchase | 322 | $38,195,000 | $118,000 | $330,000 | $57,000 | $360,000 |
| Home Improvement | 63 | $1,622,000 | $25,000 | $152,000 | $56,000 | $263,000 |
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 | 750 | $85,303,000 | $113,000 | $932,000 | $64,000 | $1,001,000 |
| Not Provided | 66 | $7,646,000 | $115,000 | $323,000 | $74,000 | $600,000 |
| Not applicable | 64 | $7,193,000 | $112,000 | $323,000 | $9,000 | $132,000 |
| Hispanic | 8 | $1,076,000 | $134,000 | $227,000 | $58,000 | $120,000 |
| Black or African American | 5 | $563,000 | $112,000 | $220,000 | $61,000 | $118,000 |
| American Indian or Alaskan Native | 3 | $277,000 | $92,000 | $139,000 | $98,000 | $160,000 |
| Asian | 2 | $216,000 | $108,000 | $117,000 | $57,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 603 | $64,505,000 | $106,000 | $932,000 | $67,000 | $1,001,000 |
| FHA-insured (Federal Housing Administration) | 138 | $17,882,000 | $129,000 | $276,000 | $50,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 79 | $10,846,000 | $137,000 | $280,000 | $52,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 78 | $9,041,000 | $115,000 | $227,000 | $39,000 | $94,000 |
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 | 443 | $46,629,000 | $105,000 | $330,000 | $67,000 | $1,001,000 |
| Application Denied By Financial Institution | 178 | $20,504,000 | $115,000 | $932,000 | $54,000 | $349,000 |
| Loan Purchased By The Institution | 129 | $17,024,000 | $131,000 | $323,000 | $42,000 | $225,000 |
| Application Withdrawn By Applicant | 70 | $9,337,000 | $133,000 | $265,000 | $66,000 | $600,000 |
| Application Approved But Not Accepted | 40 | $3,955,000 | $98,000 | $320,000 | $63,000 | $156,000 |
| File Closed For Incompleteness | 37 | $4,731,000 | $127,000 | $273,000 | $65,000 | $180,000 |
| Preapproval Denied by Financial Institution | 1 | $94,000 | $94,000 | $94,000 | $94,000 | $94,000 |
| Preapproval Approved but not Accepted | 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 | 44 | $4,996,000 | $113,000 | $932,000 | $55,000 | $205,000 |
| Collateral | 31 | $3,687,000 | $118,000 | $316,000 | $68,000 | $349,000 |
| Debt-To-Income Ratio | 16 | $2,200,000 | $137,000 | $275,000 | $39,000 | $109,000 |
| Credit Application Incomplete | 12 | $1,498,000 | $124,000 | $280,000 | $72,000 | $141,000 |
| Other | 12 | $1,144,000 | $95,000 | $197,000 | $40,000 | $94,000 |
| Unverifiable Information | 5 | $452,000 | $90,000 | $131,000 | $36,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $592,000 | $148,000 | $169,000 | $61,000 | $80,000 |
| Mortgage Insurance Denied | 1 | $130,000 | $130,000 | $130,000 | $120,000 | $120,000 |
| Employment History | 1 | $77,000 | $77,000 | $77,000 | $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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