Grant County, KY Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,501 mortgage applications in Grant County, KY totaling $301.1 million, up 25% from 2024. The average application was for $200,000, and applicants reported an average income of $104,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 172 applications, followed by 21st Mortgage and Fifth Third Bank, National Association.

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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 1,501
Total Mortgage Loan Application Amount $301,095,000
Average Mortgage Loan Application Amount $200,000
Highest Mortgage Loan Application Amount $12,065,000
Average Applicant Income $104,000
Highest Applicant Income $2,752,000

Mortgage Company List for Lending in Grant County, KY for 2025

* 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 172 $ 23,170,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 75 $ 6,915,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 57 $ 9,515,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ n/a 56 $ 13,500,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 47 $ 6,075,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ n/a 43 $ 5,455,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 42 $ 6,270,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 42 $ 11,960,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 40 $ 2,490,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 34 $ 9,020,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 33 $ 5,895,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 33 $ 6,005,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ n/a 33 $ 2,215,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 30 $ 8,240,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 29 $ 7,645,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 28 $ 6,180,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ n/a 28 $ 8,720,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 28 $ 7,450,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 24 $ 3,520,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ n/a 23 $ 4,375,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 22 $ 4,820,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ n/a 22 $ 3,900,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 21 $ 5,425,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 19 $ 4,235,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 18 $ 2,260,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 18 $ 2,710,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ n/a 18 $ 3,170,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 18 $ 4,660,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 15 $ 2,145,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 14 $ 2,870,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 12 $ 3,140,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ n/a 11 $ 1,915,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 11 $ 2,195,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 11 $ 2,035,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 10 $ 2,220,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 10 $ 1,840,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 9 $ 2,765,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 9 $ 2,515,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 8 $ 530,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 8 $ 1,360,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 7 $ 1,015,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ n/a 7 $ 505,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 7 $ 325,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ n/a 6 $ 1,320,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ n/a 6 $ 1,010,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 6 $ 870,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 2,060,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 6 $ 1,750,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 6 $ 1,470,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 6 $ 1,380,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 6 $ 1,490,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 5 $ 1,135,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 5 $ 1,575,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 5 $ 1,085,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 585,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 5 $ 605,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,435,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ n/a 5 $ 1,525,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ n/a 5 $ 485,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 4 $ 800,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 1,110,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ n/a 4 $ 4,390,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 4 $ 1,050,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 4 $ 460,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 4 $ 1,110,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 4 $ 1,350,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 3 $ 605,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 685,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 3 $ 995,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 3 $ 185,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 3 $ 615,000
First Equity Mortgage Inc
211 GRANDVIEW DRIVE, SUITE 102
FT MITCHELL, KY 41017
* $ n/a 3 $ 805,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ n/a 3 $ 465,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 3 $ 865,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 3 $ 665,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ n/a 3 $ 845,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 490,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 2 $ 470,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 2 $ 380,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ n/a 2 $ 810,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ n/a 2 $ 510,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 2 $ 310,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ n/a 2 $ 210,000
First National Bank of Kentucky
604 HIGHLAND AVE
CARROLLTON, KY 41008
* $ n/a 2 $ 330,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 500,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 2 $ 310,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 2 $ 530,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ n/a 2 $ 330,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ n/a 2 $ 630,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 2 $ 430,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 2 $ 310,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 870,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 2 $ 370,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 2 $ 260,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 2 $ 670,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 2 $ 370,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 2 $ 120,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 2 $ 100,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 1 $ 365,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 485,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 35,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 185,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 65,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 1 $ 175,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 275,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 85,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 205,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 1 $ 285,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 265,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 535,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 475,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 95,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 435,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 25,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 165,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 205,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 415,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 315,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 395,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 85,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 1 $ 525,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 35,000
Atlantic Union Bank
1051 EAST CARY STREET, SUITE 1200
GLEN ALLEN, VA 23060
* $ n/a 1 $ 635,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 205,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 1 $ 275,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 285,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ n/a 1 $ 225,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 145,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 455,000
Pinnacle Bank
884 ELBERT STREET
ELBERTON, GA 30635
* $ n/a 1 $ 105,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 1 $ 405,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ n/a 1 $ 155,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ n/a 1 $ 155,000
Bellwether Enterprise Real Estate Capital, LLC
1360 E. 9TH STREET SUITE 300
CLEVELAND, OH 44114
* $ n/a 1 $ 7,575,000
Publix Employees Federal Credit Union
3005 NEW TAMPA HWY
LAKELAND, FL 33802
* $ n/a 1 $ 245,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ n/a 1 $ 95,000
Ameritrust Mortgage Corporation

FLOWER MOUND, TX 75022
* $ n/a 1 $ 365,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ n/a 1 $ 175,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 1 $ 195,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 85,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 1 $ 12,065,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ n/a 1 $ 15,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 1 $ 175,000
The State Bank & Trust Company
401 CLINTON STREET
DEFIANCE, OH 43512
* $ n/a 1 $ 225,000
Cfbank NA
4960 E DUBLIN GRANVILLE RD SUITE 400
COLUMBUS, OH 43081
* $ n/a 1 $ 615,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 1 $ 145,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 235,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 105,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 1 $ 155,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 1 $ 305,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ n/a 1 $ 355,000
Gmfs, LLC
7389 FLORIDA BLVD, STE 200-A
BATON ROUGE, LA 70806
* $ n/a 1 $ 215,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 165,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 1 $ 105,000

The tables below break down 2025 mortgage applications in Grant 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 Grant County, KY in 2025

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 855 $170,555,000 $199,000 $3,755,000 $98,000 $2,752,000
Cash-out Refinancing 224 $41,690,000 $186,000 $725,000 $93,000 $541,000
Refinancing 177 $62,345,000 $352,000 $12,065,000 $110,000 $461,000
Other Purpose 162 $16,520,000 $101,000 $625,000 $102,000 $450,000
Home Improvement 78 $9,230,000 $118,000 $455,000 $187,000 $2,408,000
Not Applicable 5 $755,000 $151,000 $295,000 $0 $0

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 1,186 $217,030,000 $182,000 $1,695,000 $105,000 $2,752,000
Not Provided 116 $22,580,000 $194,000 $755,000 $99,000 $461,000
Not applicable 107 $47,655,000 $445,000 $12,065,000 $129,000 $541,000
Hispanic 45 $6,845,000 $152,000 $425,000 $100,000 $810,000
Black or African American 18 $2,670,000 $148,000 $305,000 $109,000 $260,000
American Indian or Alaskan Native 15 $1,625,000 $108,000 $285,000 $79,000 $157,000
Asian 9 $2,385,000 $265,000 $415,000 $108,000 $234,000
Native Hawaiian or Other Pacific Islander 5 $305,000 $61,000 $95,000 $91,000 $158,000

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) 1,148 $208,170,000 $181,000 $12,065,000 $107,000 $2,752,000
FHA-insured (Federal Housing Administration) 229 $56,775,000 $247,000 $535,000 $87,000 $229,000
VA-guaranteed (Veterans Administration) 96 $29,030,000 $302,000 $725,000 $109,000 $312,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $7,120,000 $254,000 $355,000 $93,000 $121,000

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 671 $163,315,000 $243,000 $12,065,000 $121,000 $2,752,000
Application Denied By Financial Institution 371 $51,325,000 $138,000 $765,000 $83,000 $2,250,000
Application Withdrawn By Applicant 153 $35,275,000 $230,000 $615,000 $109,000 $450,000
File Closed For Incompleteness 145 $21,255,000 $146,000 $775,000 $86,000 $810,000
Loan Purchased By The Institution 90 $21,570,000 $239,000 $695,000 $135,000 $541,000
Application Approved But Not Accepted 71 $8,355,000 $117,000 $485,000 $74,000 $269,000
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 1,095 $245,255,000 $223,000 $12,065,000 $112,000 $2,752,000
Credit History 183 $21,735,000 $118,000 $555,000 $79,000 $240,000
Debt-To-Income Ratio 117 $16,775,000 $143,000 $625,000 $66,000 $331,000
Collateral 34 $5,460,000 $160,000 $525,000 $170,000 $2,250,000
Credit Application Incomplete 26 $4,140,000 $159,000 $725,000 $103,000 $280,000
Other 20 $3,780,000 $189,000 $505,000 $97,000 $288,000
Unverifiable Information 13 $1,695,000 $130,000 $305,000 $67,000 $157,000
Employment History 7 $1,415,000 $202,000 $765,000 $58,000 $106,000
Insufficient Cash (Downpayment, Closing Cost) 6 $840,000 $140,000 $265,000 $88,000 $129,000
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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