Grayson County, KY Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 1,018 mortgage applications in Grayson County, KY totaling $113.5 million, up 7% from 2016. The average application was for $111,000, and applicants reported an average income of $61,000. 53% of applications resulted in an originated loan and 19% were denied. The most active lender was The Cecilian Bank, with 128 applications, followed by Wilson & Muir Bank & Trust Company and Abound Federal Credit Union.
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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 | 1,018 |
| Total Mortgage Loan Application Amount | $113,515,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $2,153,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $668,000 |
* 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 |
|---|---|---|---|---|
| The Cecilian Bank 104 EAST MAIN STREET CECILIA, KY 42724 |
* | $ 858,209,000 | 128 | $ 13,976,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 486,955,000 | 82 | $ 7,427,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,384,075,000 | 71 | $ 8,004,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 54 | $ 4,088,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 41 | $ 3,417,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 32 | $ 4,205,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 25 | $ 1,859,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 23 | $ 2,860,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 20 | $ 2,460,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 19 | $ 2,228,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 17 | $ 2,356,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 16 | $ 2,529,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 14 | $ 1,797,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 14 | $ 2,221,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 13 | $ 1,555,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 12 | $ 2,361,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ -1,000 | 12 | $ 1,065,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,277,552,000 | 11 | $ 1,232,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,519,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 10 | $ 1,366,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 9 | $ 1,594,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 9 | $ 1,360,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 983,700,000 | 9 | $ 1,275,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 9 | $ 1,248,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 9 | $ 941,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 8 | $ 810,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 8 | $ 772,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 8 | $ 1,453,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 8 | $ 1,130,000 |
| The Sacramento Deposit Bank P.O. BOX 228 SACRAMENTO, KY 42372 |
* | $ 112,554,000 | 8 | $ 379,000 |
| United Bank & Capital Trust Company 125 WEST MAIN STREET FRANKFORT, KY 46001 |
* | $ 642,654,000 | 8 | $ 800,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 7 | $ 538,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 796,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 7 | $ 353,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 7 | $ 1,002,000 |
| Bank of Edmonson County PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ 214,498,000 | 7 | $ 571,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 4,805,776,000 | 6 | $ 1,039,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 944,545,000 | 6 | $ 469,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 6 | $ 751,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 522,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 968,843,000 | 5 | $ 465,000 |
| Homeservices Lending LLC 2900 100TH STREET SUITE 109 URBANDALE, IA 50322 |
* | $ -1,000 | 5 | $ 650,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 91,000 |
| West Point Bank P.O. 440 RADCLIFF, KY 40160 |
* | $ 216,943,000 | 5 | $ 530,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 5 | $ 453,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 5 | $ 450,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 4,080,967,000 | 4 | $ 438,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 4 | $ 577,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 4 | $ 596,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 4 | $ 384,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 4 | $ 431,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 423,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 344,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 453,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 3 | $ 248,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 484,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 457,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,072,392,000 | 3 | $ 229,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 3 | $ 468,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 3,037,007,000 | 3 | $ 225,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 289,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 539,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 9,760,557,000 | 3 | $ 522,000 |
| Morgantown Bank & Trust Co Inc PO BOX 68 MORGANTOWN, KY 42261 |
* | $ 176,907,000 | 3 | $ 116,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 2 | $ 538,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 2 | $ 324,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 2 | $ 402,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 573,601,000 | 2 | $ 312,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 14,759,060,000 | 2 | $ 266,000 |
| Ocwen Loan Servicing, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 191,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 2 | $ 214,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 2,134,899,000 | 2 | $ 230,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 66,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 362,000 |
| Town & Country Bank and Trust Co. PO BOX 305 BARDSTOWN, KY 40004 |
* | $ 288,624,000 | 2 | $ 118,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 2 | $ 158,000 |
| Meade County Bank PO BOX 278 BRANDENBURG, KY 40108 |
* | $ 185,096,000 | 2 | $ 121,000 |
| Transcend Credit Union 3740 BARDSTOWN ROAD LOUISVILLE, KY 40218 |
* | $ 387,193,000 | 2 | $ 209,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 319,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 191,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 2 | $ 191,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 2 | $ 254,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 214,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 363,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 139,776,168,000 | 2 | $ 58,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 72,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 118,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,524,000 | 1 | $ 236,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 54,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 110,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 90,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 1,456,661,000 | 1 | $ 148,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 227,000 |
| Parkside Lending, LLC 1130 HOWARD ST. SAN FRANCISCO, CA 94103 |
* | $ -1,000 | 1 | $ 157,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 160,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 93,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 91,146,995,000 | 1 | $ 25,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,093,521,000 | 1 | $ 25,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 62,000 |
| Evolve Bank & Trust 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 |
* | $ 449,036,000 | 1 | $ 174,000 |
| The Lincoln National Bank of Hodgenville P.O. BOX 9, 41 LINCOLN SQUARE HODGENVILLE, KY 42748 |
* | $ 280,536,000 | 1 | $ 53,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 73,000 |
| Centra Credit Union 3801 TUPELO DRIVE COLUMBUS, IN 47201 |
* | $ 1,363,239,000 | 1 | $ 10,000 |
| Acceptance Capital Mortgage 113 EAST MAGNESIUM RD, UNIT D SPOKANE, WA 99208 |
* | $ -1,000 | 1 | $ 87,000 |
| Cbc National Bank 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 561,134,000 | 1 | $ 180,000 |
| Chou Team Realty, LLC 25391 COMMERCENTRE DRIVE LAKE FOREST, CA 92630 |
* | $ 2,800,000,000 | 1 | $ 169,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 107,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 104,000 |
| The Mortgage Warehouse, LLC 13430 PARKER COMMONS BLVD SUITE 103 FORT MYERS, FL 33912 |
* | $ -1,000 | 1 | $ 256,000 |
| Peoples Bank Mt Washington P O BOX 95, 201 N BARDSTOWN ROAD MT WASHINGTON, KY 40047 |
* | $ 84,616,000 | 1 | $ 150,000 |
| American Bank & Trust Company Inc. 1302 SCOTTSVILLE ROAD BOWLING GREEN, KY 42102 |
* | $ 282,379,000 | 1 | $ 16,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 1 | $ 137,000 |
| First Harrison Bank 220 FEDERAL DRIVE CORYDON, IN 47112 |
* | $ 741,919,000 | 1 | $ 105,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,128,592,000 | 1 | $ 45,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 198,000 |
| First Security Bank, Inc. PO BOX 788 OWENSBORO, KY 42302 |
* | $ 638,890,000 | 1 | $ 123,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 790,445,000 | 1 | $ 193,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ -1,000 | 1 | $ 89,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 50,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,027,532,000 | 1 | $ 54,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 154,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 568,425,000 | 1 | $ 226,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 531,368,000 | 1 | $ 100,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,909,916,000 | 1 | $ 50,000 |
| Advanz Federal Credit Union 9600 ORMSBY STATION ROAD LOUISVILLE, KY 40223 |
* | $ 124,519,000 | 1 | $ 21,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 92,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 108,000 |
| First National Acceptance Company 241 EAST SAGINAW/P.O. BOX 980 EAST LANSING, MI 48826 |
* | $ -1,000 | 1 | $ 36,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 835,262,000 | 1 | $ 160,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ -1,000 | 1 | $ 221,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 1 | $ 56,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 1 | $ 111,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ -1,000 | 1 | $ 154,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 54,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 100,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2017 mortgage applications in Grayson 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 Grayson 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 | 611 | $67,947,000 | $111,000 | $424,000 | $61,000 | $668,000 |
| Refinancing | 347 | $43,395,000 | $125,000 | $2,153,000 | $63,000 | $636,000 |
| Home Improvement | 60 | $2,173,000 | $36,000 | $193,000 | $56,000 | $129,000 |
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 | 866 | $91,342,000 | $105,000 | $424,000 | $68,000 | $668,000 |
| Not applicable | 90 | $14,658,000 | $162,000 | $2,153,000 | $4,000 | $79,000 |
| Not Provided | 46 | $5,327,000 | $115,000 | $284,000 | $54,000 | $163,000 |
| American Indian or Alaskan Native | 8 | $922,000 | $115,000 | $270,000 | $43,000 | $62,000 |
| Hispanic | 4 | $695,000 | $173,000 | $300,000 | $81,000 | $116,000 |
| Black or African American | 3 | $414,000 | $138,000 | $226,000 | $52,000 | $101,000 |
| Asian | 1 | $157,000 | $157,000 | $157,000 | $40,000 | $40,000 |
| 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) | 699 | $72,354,000 | $103,000 | $2,153,000 | $71,000 | $668,000 |
| FHA-insured (Federal Housing Administration) | 152 | $16,899,000 | $111,000 | $280,000 | $37,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 113 | $18,392,000 | $162,000 | $424,000 | $52,000 | $184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $5,870,000 | $108,000 | $174,000 | $31,000 | $70,000 |
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 | 535 | $60,687,000 | $113,000 | $2,153,000 | $73,000 | $668,000 |
| Application Denied By Financial Institution | 196 | $18,538,000 | $94,000 | $424,000 | $48,000 | $209,000 |
| Loan Purchased By The Institution | 93 | $13,012,000 | $139,000 | $361,000 | $21,000 | $668,000 |
| Application Withdrawn By Applicant | 86 | $11,049,000 | $128,000 | $275,000 | $72,000 | $649,000 |
| File Closed For Incompleteness | 56 | $4,994,000 | $89,000 | $236,000 | $46,000 | $143,000 |
| Application Approved But Not Accepted | 51 | $5,073,000 | $99,000 | $212,000 | $63,000 | $183,000 |
| Preapproval Denied by Financial Institution | 1 | $162,000 | $162,000 | $162,000 | $70,000 | $70,000 |
| 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 | 24 | $2,267,000 | $94,000 | $424,000 | $56,000 | $180,000 |
| Debt-To-Income Ratio | 19 | $2,043,000 | $107,000 | $374,000 | $43,000 | $135,000 |
| Collateral | 15 | $1,916,000 | $127,000 | $284,000 | $82,000 | $209,000 |
| Credit Application Incomplete | 14 | $1,371,000 | $97,000 | $237,000 | $44,000 | $98,000 |
| Other | 5 | $603,000 | $120,000 | $178,000 | $63,000 | $92,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $238,000 | $79,000 | $130,000 | $59,000 | $79,000 |
| Employment History | 1 | $127,000 | $127,000 | $127,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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