Graves County, KY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,085 mortgage applications in Graves County, KY totaling $152.6 million, down 20% from 2021. The average application was for $140,000, and applicants reported an average income of $75,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was US Bank, N.A., with 126 applications, followed by Fnb Bank Inc and Regions Bank.
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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 | 1,085 |
| Total Mortgage Loan Application Amount | $152,605,000 |
| Average Mortgage Loan Application Amount | $140,000 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $899,000 |
* 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 |
|---|---|---|---|---|
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 126 | $ 12,060,000 |
| Fnb Bank Inc 101 E BROADWAY MAYFIELD, KY 42066 |
* | $ 608,908,000 | 70 | $ 12,170,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 64 | $ 4,990,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 63 | $ 6,795,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 3,237,305,000 | 62 | $ 8,240,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 36 | $ 6,260,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 30 | $ 4,150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 29 | $ 4,545,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 25 | $ 3,735,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 25 | $ 4,095,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 24 | $ 4,050,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 22 | $ 3,210,000 |
| The Paducah Bank and Trust Company 2635 LONE OAK RD PADUCAH, KY 42002 |
* | $ 822,330,000 | 19 | $ 3,065,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 19 | $ 2,565,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 16 | $ 2,300,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 16 | $ 1,930,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 15 | $ 1,975,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ -1,000 | 14 | $ 4,250,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 13 | $ 2,205,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 13 | $ 1,655,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 12 | $ 2,180,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 12 | $ 2,160,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 2,405,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,995,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 10 | $ 1,880,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 9 | $ 1,545,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 9 | $ 1,525,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 9 | $ 505,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 9 | $ 2,155,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 8 | $ 1,470,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 8 | $ 1,240,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,160,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 7 | $ 1,155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 7 | $ 1,425,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 7 | $ 915,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 7 | $ 865,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 6 | $ 330,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 6 | $ 1,020,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 6 | $ 730,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 6 | $ 900,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 6 | $ 560,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 5 | $ 605,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 415,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 5 | $ 675,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 5 | $ 1,085,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 5 | $ 615,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 5 | $ 665,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 1,040,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 4 | $ 870,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 4 | $ 640,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 405,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 3 | $ 215,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 415,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 285,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 3 | $ 385,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 3 | $ 245,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 3 | $ 495,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 3 | $ 385,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 130,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 220,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 2 | $ 590,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 220,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 160,000 |
| Kinecta Federal Credit Union 1440 ROSECRANS AVE MANHATTAN BEACH, CA 90266 |
* | $ 6,610,753,000 | 2 | $ 170,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 2 | $ 110,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 240,000 |
| Angel Oak Home Loans LLC 3600 PEACHTREE ROAD NW, SUITE 500 ATLANTA, GA 30305 |
* | $ -1,000 | 2 | $ 440,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 2 | $ 400,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 260,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 230,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 320,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 24,685,744,000 | 2 | $ 210,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 150,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 2 | $ 240,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 2 | $ 160,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 2 | $ 140,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 2 | $ 220,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 2 | $ 340,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 165,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 245,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 105,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 105,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 105,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 225,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 185,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,895,919,000 | 1 | $ 15,000 |
| Hall Financial 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48083 |
* | $ -1,000 | 1 | $ 85,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 166,652,719,000 | 1 | $ 15,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 788,114,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 115,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 1 | $ 245,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 161,574,000 | 1 | $ 215,000 |
| Citizens Commerce Bank 160 BOVET ROAD, SUITE #400 VERSAILLES, KY 94402 |
* | $ 313,856,000 | 1 | $ 135,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 2,243,730,000 | 1 | $ 105,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 85,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 405,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 155,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 1,157,694,000 | 1 | $ 15,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 105,000 |
| Best Capital Funding 21540 PLUMMER STREET, SUITE A CHATSWORTH, CA 91311 |
* | $ -1,000 | 1 | $ 425,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 95,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 1 | $ 185,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 1 | $ 195,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 339,245,000 | 1 | $ 25,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 125,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 115,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 2,573,220,000 | 1 | $ 115,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 1,075,788,000 | 1 | $ 235,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 245,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 225,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 795,509,000 | 1 | $ 35,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 55,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 36,515,611,000 | 1 | $ 75,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 125,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 1 | $ 135,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 165,000 |
| Capstar Bank 1201 DEMONBREUN ST #700 NASHVILLE, TN 37203 |
* | $ 3,129,211,000 | 1 | $ 265,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 195,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,591,396,000 | 1 | $ 55,000 |
The tables below break down 2022 mortgage applications in Graves 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 Graves County, KY in 2022
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 | 637 | $100,935,000 | $158,000 | $655,000 | $73,000 | $899,000 |
| Cash-out Refinancing | 155 | $23,085,000 | $148,000 | $495,000 | $62,000 | $180,000 |
| Refinancing | 134 | $17,690,000 | $132,000 | $605,000 | $75,000 | $299,000 |
| Other Purpose | 82 | $6,430,000 | $78,000 | $625,000 | $95,000 | $708,000 |
| Home Improvement | 67 | $3,325,000 | $49,000 | $185,000 | $87,000 | $369,000 |
| Not Applicable | 10 | $1,140,000 | $114,000 | $555,000 | $284,000 | $284,000 |
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 | 862 | $120,190,000 | $139,000 | $655,000 | $76,000 | $899,000 |
| Not applicable | 96 | $15,590,000 | $162,000 | $605,000 | $117,000 | $183,000 |
| Not Provided | 55 | $7,715,000 | $140,000 | $405,000 | $65,000 | $180,000 |
| Black or African American | 30 | $3,240,000 | $108,000 | $275,000 | $51,000 | $107,000 |
| Hispanic | 27 | $2,705,000 | $100,000 | $345,000 | $75,000 | $302,000 |
| American Indian or Alaskan Native | 7 | $1,665,000 | $237,000 | $495,000 | $75,000 | $127,000 |
| Asian | 7 | $1,415,000 | $202,000 | $265,000 | $60,000 | $91,000 |
| 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) | 727 | $95,615,000 | $131,000 | $655,000 | $79,000 | $899,000 |
| FHA-insured (Federal Housing Administration) | 177 | $26,015,000 | $146,000 | $405,000 | $60,000 | $167,000 |
| VA-guaranteed (Veterans Administration) | 112 | $21,780,000 | $194,000 | $435,000 | $70,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $9,195,000 | $133,000 | $475,000 | $64,000 | $417,000 |
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 | 545 | $82,985,000 | $152,000 | $655,000 | $85,000 | $899,000 |
| Application Denied By Financial Institution | 231 | $26,505,000 | $114,000 | $495,000 | $62,000 | $708,000 |
| Loan Purchased By The Institution | 100 | $15,980,000 | $159,000 | $365,000 | $85,000 | $183,000 |
| Application Withdrawn By Applicant | 97 | $13,475,000 | $138,000 | $335,000 | $65,000 | $369,000 |
| File Closed For Incompleteness | 76 | $8,800,000 | $115,000 | $395,000 | $55,000 | $173,000 |
| Application Approved But Not Accepted | 32 | $4,320,000 | $135,000 | $505,000 | $76,000 | $185,000 |
| Preapproval Approved but not Accepted | 4 | $540,000 | $135,000 | $205,000 | $63,000 | $87,000 |
| 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 | 795 | $115,435,000 | $145,000 | $625,000 | $77,000 | $899,000 |
| Debt-To-Income Ratio | 120 | $17,770,000 | $148,000 | $655,000 | $73,000 | $708,000 |
| Credit History | 98 | $9,980,000 | $101,000 | $365,000 | $58,000 | $199,000 |
| Collateral | 27 | $3,015,000 | $111,000 | $325,000 | $78,000 | $211,000 |
| Unverifiable Information | 16 | $2,990,000 | $186,000 | $495,000 | $92,000 | $207,000 |
| Other | 15 | $1,875,000 | $125,000 | $425,000 | $78,000 | $200,000 |
| Credit Application Incomplete | 10 | $1,200,000 | $120,000 | $295,000 | $53,000 | $117,000 |
| Employment History | 2 | $170,000 | $85,000 | $95,000 | $41,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $125,000 | $81,000 | $116,000 |
| 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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