Henry County, KY Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 703 mortgage applications in Henry County, KY totaling $92.1 million, up 8% from 2015. The average application was for $130,000, and applicants reported an average income of $57,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Wells Fargo Bank NA, with 31 applications, followed by Primary Residential Mortgage, Inc. and Nationstar Mortgage.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 703
Total Mortgage Loan Application Amount $92,091,000
Average Mortgage Loan Application Amount $130,000
Highest Mortgage Loan Application Amount $1,225,000
Average Applicant Income $57,000
Highest Applicant Income $1,560,000

Mortgage Company List for Lending in Henry County, KY for 2016

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 31 $ 4,888,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 22 $ 2,904,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 21 $ 2,805,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 556,787,000 21 $ 2,171,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 948,072,000 20 $ 1,934,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 19 $ 1,555,000
Bedford Loan & Deposit Bank
P.O. BOX 276 45 HWY 42 E
BEDFORD, KY 40006
* $ 88,188,000 19 $ 1,289,000
United Citizens Bank & Trust Company
P O BOX 250
CAMPBELLSBURG, KY 40011
* $ 107,656,000 19 $ 1,358,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 18 $ 2,309,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 18 $ 2,377,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 18 $ 1,961,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 16 $ 2,484,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 889,634,000 15 $ 2,622,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 14 $ 1,829,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,031,779,000 14 $ 1,512,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 13 $ 1,425,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 11 $ 1,099,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 11 $ 885,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 389,450,000 11 $ 875,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 10 $ 1,611,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 10 $ 1,676,000
Farmers Bank of Milton
41 FERRY ST.
MILTON, KY 40045
* $ 221,741,000 9 $ 1,120,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 138,620,635,000 9 $ 842,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,147,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 8 $ 1,635,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 8 $ 1,198,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 7 $ 915,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 1,049,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 7 $ 603,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 7 $ 795,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 2,814,028,000 6 $ 1,042,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 6 $ 946,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 6 $ 676,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 6 $ 997,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 700,650,000 6 $ 936,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 5 $ 706,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 5 $ 465,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 5 $ 540,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 5 $ 798,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 4,222,641,000 5 $ 667,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 4 $ 585,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 4 $ 367,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 4 $ 606,000
The Mortgage Warehouse, LLC
13430 PARKER COMMONS BLVD SUITE 103
FORT MYERS, FL 33912
* $ 7,644,442,000 4 $ 762,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 4 $ 401,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 4 $ 448,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 4 $ 511,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ 21,269,000 4 $ 670,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 440,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 4 $ 339,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 488,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 861,518,000 3 $ 345,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 318,361,000 3 $ 462,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 3 $ 344,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 3 $ 488,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 486,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 3 $ 408,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 3 $ 390,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 3 $ 448,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 3 $ 903,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 3 $ 565,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,299,801,000,000 3 $ 626,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 3 $ 482,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 3 $ 318,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 3 $ 349,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 371,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 2 $ 229,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 221,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ 29,436,748,000 2 $ 427,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 2 $ 318,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 451,930,000 2 $ 301,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 2 $ 161,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 2 $ 337,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 2 $ 271,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 15,536,515,000 2 $ 408,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 2 $ 22,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 18,900,720,000 2 $ 474,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 85,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 220,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 2 $ 189,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 2 $ 435,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 2 $ 315,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 398,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 509,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,033,424,000 2 $ 124,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 191,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 2 $ 345,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 2 $ 343,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 197,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 270,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 60,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 221,000
Bank of Lexington
761 CORPORATE DRIVE
LEXINGTON, KY 40503
* $ 245,139,000 1 $ 189,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 149,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 1 $ 45,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 3,385,483,000 1 $ 280,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 934,771,000 1 $ 178,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 130,932,000 1 $ 1,225,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 95,747,000 1 $ 87,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 3,128,427,000 1 $ 79,000
Central Bank of Jefferson Cty
4630 TAYLORSVILLE RD
LOUISVILLE, KY 40220
* $ 179,200,000 1 $ 56,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 1 $ 184,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 1,028,000 1 $ 116,000
American Southwest Mortgage Funding Corp
5900 MOSTELLER DRIVE SUITE 8
OKLAHOMA CITY, OK 73112
* $ 336,426,000 1 $ 190,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 144,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 1 $ 56,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 1,086,068,000 1 $ 45,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ 10,000,000 1 $ 276,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 138,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ 10,000,000 1 $ 112,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ 12,000,000 1 $ 143,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 1 $ 117,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 111,306,727,000 1 $ 85,000
United Community Bank
92 WALNUT STREET
LAWRENCEBURG, IN 47025
* $ 507,670,000 1 $ 182,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 988,439,000 1 $ 329,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 351,875,000 1 $ 115,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 147,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 137,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 1 $ 260,000
The Peoples Bank
23 WEST MAIN ST
TAYLORSVILLE, KY 40071
* $ 113,306,000 1 $ 223,000
First Farmers Bank & Trust Co.
127 NORTH THOMAS ST./PO BOX 188
OWENTON, KY 40359
* $ 118,327,000 1 $ 84,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,289,160,000 1 $ 400,000
Class Act Federal Credit Union
3620 FERN VALLEY RD
LOUISVILLE, KY 40219
* $ 185,844,000 1 $ 30,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 11,567,246,000 1 $ 66,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 2,365,889,000 1 $ 171,000
Kemba Louisville Credit Union
4017 POPLAR LEVEL ROAD
LOUISVILLE, KY 40213
* $ 48,190,000 1 $ 84,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,801,773,000 1 $ 113,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 11,846,211,000 1 $ 25,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,121,263,000 1 $ 140,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ 1,000,000,000 1 $ 150,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 34,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 229,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 1 $ 212,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 273,231,606,000 1 $ 181,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 206,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,011,527,000 1 $ 369,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 74,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ 1,271,767,000 1 $ 122,000
Texas Bank Financial
901 SANTA FE DRIVE
WEATHERFORD, TX 76086
* $ 170,935,000 1 $ 94,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 567,648,000 1 $ 214,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 264,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ 250,000,000 1 $ 243,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 1 $ 82,000

The tables below break down 2016 mortgage applications in Henry 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 Henry County, KY in 2016

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 358 $47,414,000 $132,000 $1,225,000 $58,000 $1,560,000
Refinancing 292 $41,321,000 $141,000 $761,000 $55,000 $275,000
Home Improvement 53 $3,356,000 $63,000 $256,000 $64,000 $160,000

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 550 $70,588,000 $128,000 $400,000 $63,000 $1,560,000
Not applicable 72 $10,315,000 $143,000 $1,225,000 $9,000 $122,000
Not Provided 59 $8,520,000 $144,000 $761,000 $67,000 $208,000
Hispanic 13 $1,349,000 $103,000 $208,000 $42,000 $100,000
Black or African American 4 $502,000 $125,000 $295,000 $54,000 $77,000
Asian 3 $527,000 $175,000 $230,000 $46,000 $85,000
American Indian or Alaskan Native 2 $290,000 $145,000 $175,000 $70,000 $84,000
Native Hawaiin 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) 363 $46,612,000 $128,000 $1,225,000 $76,000 $1,560,000
FHA-insured (Federal Housing Administration) 198 $26,427,000 $133,000 $293,000 $38,000 $175,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $9,064,000 $111,000 $177,000 $30,000 $80,000
VA-guaranteed (Veterans Administration) 61 $9,988,000 $163,000 $295,000 $45,000 $148,000

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 348 $46,365,000 $133,000 $1,225,000 $62,000 $446,000
Application Denied By Financial Institution 112 $13,591,000 $121,000 $761,000 $72,000 $1,560,000
Loan Purchased By The Institution 88 $11,706,000 $133,000 $329,000 $23,000 $122,000
Application Withdrawn By Applicant 80 $11,622,000 $145,000 $369,000 $56,000 $203,000
File Closed For Incompleteness 46 $5,964,000 $129,000 $264,000 $52,000 $270,000
Application Approved But Not Accepted 29 $2,843,000 $98,000 $195,000 $53,000 $155,000
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 26 $2,044,000 $78,000 $181,000 $59,000 $118,000
Collateral 12 $1,469,000 $122,000 $230,000 $54,000 $105,000
Debt-To-Income Ratio 7 $1,342,000 $191,000 $761,000 $62,000 $132,000
Credit Application Incomplete 6 $590,000 $98,000 $221,000 $79,000 $140,000
Other 5 $586,000 $117,000 $212,000 $43,000 $118,000
Unverifiable Information 4 $466,000 $116,000 $256,000 $58,000 $89,000
Insufficient Cash (Downpayment, Closing Cost) 2 $217,000 $108,000 $133,000 $36,000 $40,000
Employment History 1 $148,000 $148,000 $148,000 $30,000 $30,000
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.

Download the Kentucky Lender List