Hopkins County, KY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,732 mortgage applications in Hopkins County, KY totaling $212.7 million, down 20% from 2022. The average application was for $122,000, and applicants reported an average income of $81,000. 48% of applications resulted in an originated loan and 21% were denied. The most active lender was Independence Bank of Kentucky, with 178 applications, followed by 21st Mortgage and Triad Financial Services, 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 1,732
Total Mortgage Loan Application Amount $212,740,000
Average Mortgage Loan Application Amount $122,000
Highest Mortgage Loan Application Amount $685,000
Average Applicant Income $81,000
Highest Applicant Income $1,052,000

Mortgage Company List for Lending in Hopkins County, KY for 2023

* 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
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,469,556,000 178 $ 20,740,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 169 $ 11,145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 97 $ 5,305,000
First United Bank & Trust Company
162 N MAIN ST
MADISONVILLE, KY 42431
* $ 514,809,000 93 $ 13,215,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 82 $ 7,620,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 77 $ 7,605,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 60 $ 10,240,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 53 $ 10,035,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 50 $ 4,470,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 45 $ 8,275,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 4,973,142,000 35 $ 2,595,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 3,450,913,000 33 $ 4,345,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 29 $ 3,675,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 28 $ 5,440,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 25 $ 3,625,000
Sacramento Deposit Bank
P.O. BOX 228
SACRAMENTO, KY 42372
* $ 131,355,000 24 $ 2,860,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 605,740,000 22 $ 2,990,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 21 $ 2,635,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 20 $ 1,060,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 20 $ 3,380,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 19 $ 2,735,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 18 $ 3,440,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 15 $ 3,035,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 15 $ 1,955,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 14 $ 1,230,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 14 $ 2,080,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 14 $ 1,860,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 14 $ 2,070,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 13 $ 1,705,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 13 $ 2,135,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 11 $ 1,575,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 11 $ 1,765,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ 1,587,159,000 10 $ 660,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 10 $ 1,880,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 10 $ 1,990,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 1,390,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 9 $ 1,375,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 9 $ 1,055,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 8 $ 1,100,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,390,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 1,195,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 7 $ 1,305,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 7 $ 875,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 7 $ 695,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 605,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 1,310,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 980,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 6 $ 1,250,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 6 $ 950,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 6 $ 130,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 6 $ 590,000
Owensboro Federal Credit Union
717 HARVARD DRIVE
OWENSBORO, KY 42301
* $ 81,824,000 6 $ 540,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 415,000
Mortgage Masters of Indiana Inc
501 N CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ -1,000 5 $ 855,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 5 $ 475,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 5 $ 545,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ 895,609,000 5 $ 485,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 16,117,865,000 4 $ 280,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 470,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 4 $ 570,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 430,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 535,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 3 $ 615,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 3 $ 405,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ -1,000 3 $ 85,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 335,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 3 $ 625,000
Heritage Federal Credit Union
PO BOX 189
NEWBURGH, IN 47629
* $ 929,608,000 3 $ 745,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 1,166,483,000 3 $ 375,000
United Southern Bank
PO BOX 951
HOPKINSVILLE, KY 42241
* $ 296,662,000 3 $ 265,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 3 $ 355,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 495,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 2 $ 350,000
Field & Main Bank
140 N. MAIN ST.
HENDERSON, KY 42420
* $ 592,663,000 2 $ 320,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 2 $ 280,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 320,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 2 $ 140,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 2 $ 480,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 2 $ 190,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,915,645,000 2 $ 70,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 2 $ 400,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 2,031,410,000 2 $ 110,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 2 $ 300,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 2 $ 60,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 17,923,519,000 2 $ 390,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 2 $ 190,000
First Federal Savings Bank
PO BOX 1111
EVANSVILLE, IN 47706
* $ 573,940,000 2 $ 190,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 360,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 2 $ 180,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 2 $ 160,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 2 $ 200,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 2,104,193,000 2 $ 100,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,995,485,000 2 $ 160,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 4,684,875,000 2 $ 220,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,722,761,000 2 $ 150,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 300,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 154,203,000,000 2 $ 210,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 2 $ 510,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 350,000
Community Mortgage Corporation
142 TIMBER CREEK DRIVE
CORDOVA, TN 38018
* $ -1,000 1 $ 65,000
University Credit Union
1500 S. SEPULVEDA BLVD.
LOS ANGELES, CA 90025
* $ 1,226,016,000 1 $ 65,000
Availa Bank
126 W 6TH ST
CARROLL, IA 51401
* $ 1,545,185,000 1 $ 45,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 1 $ 25,000
Truity Federal Credit Union
501 S JOHNSTONE
BARTLESVILLE, OK 74003
* $ 1,093,825,000 1 $ 65,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 185,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 85,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 195,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 125,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 135,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ -1,000 1 $ 195,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,734,843,000 1 $ 55,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 135,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 5,264,106,000 1 $ 55,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 275,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,555,530,000 1 $ 125,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 225,000
American Portfolio Mortgage Corporation
800 EAST NORTHWEST HIGHWAY
PALATINE, IL 60067
* $ -1,000 1 $ 205,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 1 $ 165,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 1 $ 55,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 205,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 135,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,052,701,000 1 $ 185,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 215,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 135,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 145,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ 2,508,761,000 1 $ 185,000
Signature Federal Credit Union
12 HERBERT ST.
ALEXANDRIA, VA 22305
* $ 397,701,000 1 $ 205,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,825,549,000 1 $ 205,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 270,427,000 1 $ 205,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 245,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 45,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 325,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 65,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 4,554,611,000 1 $ 75,000
Ascend Federal Credit Union
520 AIRPARK DRIVE
TULLAHOMA, TN 37388
* $ 3,874,614,000 1 $ 295,000
A+ Federal Credit Union
6420 US HWY 290 EAST
AUSTIN, TX 78723
* $ 2,725,398,000 1 $ 95,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 135,000
Fortefi, LLC
2050 LOWES DR
CLARKSVILLE, TN 37040
* $ -1,000 1 $ 365,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 1 $ 25,000
Honor Credit Union
EDGEWOOD RD
BERRIEN SPRINGS, MI 49103
* $ 1,585,971,000 1 $ 145,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 155,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 185,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 1 $ 145,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 115,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 41,842,515,000 1 $ 245,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 185,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 165,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 1 $ 45,000

The tables below break down 2023 mortgage applications in Hopkins 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 Hopkins County, KY in 2023

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 1,058 $148,760,000 $140,000 $685,000 $78,000 $1,052,000
Cash-out Refinancing 196 $25,020,000 $127,000 $435,000 $73,000 $265,000
Refinancing 180 $21,320,000 $118,000 $415,000 $95,000 $441,000
Other Purpose 162 $10,170,000 $62,000 $305,000 $91,000 $324,000
Home Improvement 132 $7,130,000 $54,000 $245,000 $87,000 $650,000
Not Applicable 4 $340,000 $85,000 $135,000 $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 1,221 $149,925,000 $122,000 $625,000 $84,000 $1,052,000
Not applicable 238 $31,410,000 $131,000 $625,000 $31,000 $31,000
Not Provided 149 $16,405,000 $110,000 $615,000 $65,000 $265,000
Black or African American 83 $9,135,000 $110,000 $445,000 $64,000 $237,000
Hispanic 23 $3,485,000 $151,000 $685,000 $81,000 $324,000
Asian 9 $1,495,000 $166,000 $515,000 $116,000 $493,000
American Indian or Alaskan Native 7 $685,000 $97,000 $175,000 $69,000 $109,000
Native Hawaiian or Other Pacific Islander 1 $165,000 $165,000 $165,000 $87,000 $87,000

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) 1,210 $125,240,000 $103,000 $685,000 $85,000 $1,052,000
FHA-insured (Federal Housing Administration) 266 $40,640,000 $152,000 $445,000 $70,000 $265,000
VA-guaranteed (Veterans Administration) 168 $34,030,000 $202,000 $615,000 $78,000 $190,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 88 $12,830,000 $145,000 $275,000 $63,000 $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 832 $109,740,000 $131,000 $685,000 $91,000 $1,052,000
Application Denied By Financial Institution 364 $36,590,000 $100,000 $435,000 $65,000 $277,000
Loan Purchased By The Institution 211 $28,635,000 $135,000 $625,000 $31,000 $31,000
Application Withdrawn By Applicant 171 $23,125,000 $135,000 $345,000 $84,000 $324,000
File Closed For Incompleteness 91 $7,845,000 $86,000 $295,000 $62,000 $184,000
Application Approved But Not Accepted 63 $6,805,000 $108,000 $355,000 $75,000 $257,000
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 1,213 $156,255,000 $128,000 $625,000 $83,000 $1,052,000
Debt-To-Income Ratio 239 $29,745,000 $124,000 $685,000 $88,000 $1,004,000
Credit History 177 $14,835,000 $83,000 $255,000 $71,000 $266,000
Collateral 37 $3,615,000 $97,000 $435,000 $81,000 $277,000
Credit Application Incomplete 26 $3,020,000 $116,000 $435,000 $73,000 $198,000
Other 17 $2,025,000 $119,000 $245,000 $56,000 $151,000
Employment History 10 $1,280,000 $128,000 $205,000 $52,000 $117,000
Unverifiable Information 7 $955,000 $136,000 $205,000 $65,000 $121,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,010,000 $168,000 $225,000 $81,000 $150,000
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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