AllMortgageDetail - Mortgage Application Details

Kentucky
Mortgage Loan Application
Totals and Details
in 2014

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Years 2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 147,476
Total Mortgage Loan Application Amount $19,698,076,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $28,180,000
Average Applicant Income $66,000
Highest Applicant Income $9,600,000

Mortgage Loan Application Detail Totals for Kentucky in 2014

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 77,145 $10,777,868,000 $139,000 $28,180,000 $64,000 $9,600,000
Refinancing 59,187 $8,304,541,000 $140,000 $24,855,000 $68,000 $7,280,000
Home Improvement 11,144 $615,667,000 $55,000 $21,890,000 $66,000 $7,500,000

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 110,958 $13,999,876,000 $126,000 $8,042,000 $73,000 $9,600,000
Not applicable 15,206 $2,944,517,000 $193,000 $28,180,000 $5,000 $2,876,000
Not Provided 11,322 $1,491,215,000 $131,000 $3,500,000 $80,000 $7,280,000
Black or African American 5,609 $651,090,000 $116,000 $1,120,000 $56,000 $2,400,000
Hispanic 2,246 $271,801,000 $121,000 $1,200,000 $62,000 $4,234,000
Asian 1,408 $249,843,000 $177,000 $1,750,000 $96,000 $1,020,000
American Indian or Alaskan Native 542 $66,937,000 $123,000 $2,413,000 $109,000 $2,153,000
Native Hawaiin or Other Pacific Islander 185 $22,797,000 $123,000 $603,000 $72,000 $796,000

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) 102,601 $13,640,043,000 $132,000 $22,080,000 $76,000 $9,600,000
FHA-insured (Federal Housing Administration) 23,048 $2,933,686,000 $127,000 $28,180,000 $40,000 $1,884,000
VA-guaranteed (Veterans Administration) 12,556 $2,052,761,000 $163,000 $1,500,000 $52,000 $960,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 9,271 $1,071,586,000 $115,000 $916,000 $30,000 $1,140,000

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 75,841 $10,840,327,000 $142,000 $28,180,000 $78,000 $7,500,000
Application Denied By Financial Institution 30,275 $3,188,106,000 $105,000 $11,218,000 $56,000 $3,409,000
Loan Purchased By The Institution 18,486 $2,592,229,000 $140,000 $4,201,000 $26,000 $1,878,000
Application Withdrawn By Applicant 11,669 $1,797,369,000 $154,000 $24,855,000 $73,000 $2,811,000
Application Approved But Not Accepted 7,260 $762,607,000 $105,000 $2,800,000 $64,000 $7,280,000
File Closed For Incompleteness 3,939 $516,816,000 $131,000 $1,890,000 $75,000 $9,600,000
Preapproval Denied by Financial Institution 6 $622,000 $103,000 $146,000 $57,000 $69,000
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 7,152 $590,326,000 $82,000 $2,600,000 $59,000 $3,409,000
Debt-To-Income Ratio 3,952 $468,190,000 $118,000 $2,310,000 $48,000 $960,000
Collateral 3,462 $428,405,000 $123,000 $3,650,000 $75,000 $1,884,000
Credit Application Incomplete 1,968 $266,467,000 $135,000 $1,800,000 $71,000 $881,000
Other 1,410 $156,892,000 $111,000 $1,980,000 $65,000 $1,793,000
Insufficient Cash (Downpayment, Closing Cost) 526 $73,746,000 $140,000 $6,900,000 $68,000 $1,200,000
Unverifiable Information 387 $49,080,000 $126,000 $637,000 $73,000 $552,000
Employment History 286 $34,577,000 $120,000 $1,057,000 $55,000 $600,000
Mortgage Insurance Denied 18 $2,305,000 $128,000 $417,000 $63,000 $157,000

Mortgage Loan Application Totals in 2014 by Kentucky Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
BOWLING GREEN, KY 5,623 $ 743,944,000 $ 132,000 $ 66,000
ELIZABETHTOWN-FORT KNOX, KY 6,265 $ 822,856,000 $ 131,000 $ 59,000
LEXINGTON-FAYETTE, KY 19,224 $ 3,219,582,000 $ 167,000 $ 76,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 38,900 $ 6,187,905,000 $ 159,000 $ 72,000
OWENSBORO, KY 4,038 $ 488,299,000 $ 120,000 $ 59,000

Mortgage Loan Application Totals in 2014 by Kentucky County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adair 216 $ 19,101,000 $ 88,000 $ 49,000
Allen 750 $ 72,203,000 $ 96,000 $ 77,000
Anderson 877 $ 105,426,000 $ 120,000 $ 54,000
Ballard 167 $ 16,266,000 $ 97,000 $ 58,000
Barren 1,120 $ 115,877,000 $ 103,000 $ 63,000
Bath 263 $ 22,345,000 $ 84,000 $ 69,000
Bell 622 $ 48,579,000 $ 78,000 $ 47,000
Boone 5,992 $ 923,051,000 $ 154,000 $ 71,000
Bourbon 667 $ 92,847,000 $ 139,000 $ 69,000
Boyd 1,606 $ 156,439,000 $ 97,000 $ 63,000
Boyle 707 $ 86,939,000 $ 122,000 $ 65,000
Bracken 313 $ 22,344,000 $ 71,000 $ 50,000
Breathitt 197 $ 12,459,000 $ 63,000 $ 42,000
Breckinridge 613 $ 59,969,000 $ 97,000 $ 67,000
Bullitt 3,715 $ 493,010,000 $ 132,000 $ 57,000
Butler 394 $ 30,975,000 $ 78,000 $ 59,000
Caldwell 255 $ 22,848,000 $ 89,000 $ 61,000
Calloway 858 $ 104,384,000 $ 121,000 $ 77,000
Campbell 4,018 $ 579,495,000 $ 144,000 $ 71,000
Carlisle 65 $ 7,990,000 $ 122,000 $ 56,000
Carroll 271 $ 27,061,000 $ 99,000 $ 58,000
Carter 566 $ 50,275,000 $ 88,000 $ 50,000
Casey 195 $ 16,630,000 $ 85,000 $ 55,000
Christian 1,786 $ 213,716,000 $ 119,000 $ 72,000
Clark 1,414 $ 175,790,000 $ 124,000 $ 60,000
Clay 369 $ 25,975,000 $ 70,000 $ 44,000
Clinton 161 $ 14,857,000 $ 92,000 $ 58,000
Crittenden 134 $ 12,408,000 $ 92,000 $ 51,000
Cumberland 92 $ 9,417,000 $ 102,000 $ 50,000
Daviess 3,535 $ 440,115,000 $ 124,000 $ 59,000
Edmonson 433 $ 42,054,000 $ 97,000 $ 65,000
Elliott 75 $ 7,213,000 $ 96,000 $ 52,000
Estill 275 $ 24,967,000 $ 90,000 $ 46,000
Fayette 11,563 $ 2,023,357,000 $ 174,000 $ 82,000
Fleming 332 $ 27,745,000 $ 83,000 $ 58,000
Floyd 890 $ 75,462,000 $ 84,000 $ 54,000
Franklin 1,504 $ 183,003,000 $ 121,000 $ 61,000
Fulton 74 $ 6,780,000 $ 91,000 $ 79,000
Gallatin 315 $ 31,814,000 $ 100,000 $ 52,000
Garrard 657 $ 74,538,000 $ 113,000 $ 52,000
Grant 946 $ 107,927,000 $ 114,000 $ 55,000
Graves 881 $ 82,061,000 $ 93,000 $ 57,000
Grayson 842 $ 88,643,000 $ 105,000 $ 63,000
Green 246 $ 18,628,000 $ 75,000 $ 55,000
Greenup 1,438 $ 145,911,000 $ 101,000 $ 66,000
Hancock 261 $ 22,062,000 $ 84,000 $ 51,000
Hardin 4,497 $ 624,239,000 $ 138,000 $ 60,000
Harlan 496 $ 34,091,000 $ 68,000 $ 48,000
Harrison 538 $ 65,899,000 $ 122,000 $ 68,000
Hart 540 $ 46,858,000 $ 86,000 $ 56,000
Henderson 1,509 $ 164,198,000 $ 108,000 $ 71,000
Henry 589 $ 67,546,000 $ 114,000 $ 53,000
Hickman 45 $ 3,197,000 $ 71,000 $ 61,000
Hopkins 1,424 $ 133,337,000 $ 93,000 $ 59,000
Jackson 251 $ 19,717,000 $ 78,000 $ 46,000
Jefferson 28,536 $ 4,507,520,000 $ 157,000 $ 72,000
Jessamine 1,908 $ 338,787,000 $ 177,000 $ 76,000
Johnson 631 $ 63,200,000 $ 100,000 $ 57,000
Kenton 7,123 $ 972,890,000 $ 136,000 $ 67,000
Knott 286 $ 21,469,000 $ 75,000 $ 54,000
Knox 807 $ 69,738,000 $ 86,000 $ 44,000
Larue 527 $ 55,533,000 $ 105,000 $ 59,000
Laurel 1,998 $ 192,757,000 $ 96,000 $ 52,000
Lawrence 361 $ 32,477,000 $ 89,000 $ 51,000
Lee 130 $ 9,053,000 $ 69,000 $ 49,000
Leslie 132 $ 10,023,000 $ 75,000 $ 44,000
Letcher 500 $ 29,213,000 $ 58,000 $ 51,000
Lewis 272 $ 19,666,000 $ 72,000 $ 56,000
Lincoln 594 $ 53,778,000 $ 90,000 $ 43,000
Livingston 221 $ 24,538,000 $ 111,000 $ 59,000
Logan 817 $ 77,173,000 $ 94,000 $ 58,000
Lyon 183 $ 22,893,000 $ 125,000 $ 83,000
Madison 3,047 $ 412,538,000 $ 135,000 $ 60,000
Magoffin 203 $ 18,137,000 $ 89,000 $ 61,000
Marion 514 $ 51,792,000 $ 100,000 $ 46,000
Marshall 792 $ 87,203,000 $ 110,000 $ 62,000
Martin 210 $ 19,501,000 $ 92,000 $ 71,000
Mason 403 $ 37,750,000 $ 93,000 $ 62,000
McCracken 1,650 $ 220,038,000 $ 133,000 $ 63,000
McCreary 239 $ 17,947,000 $ 75,000 $ 41,000
McLean 273 $ 28,673,000 $ 105,000 $ 61,000
Meade 1,315 $ 152,829,000 $ 116,000 $ 54,000
Menifee 258 $ 15,314,000 $ 59,000 $ 45,000
Mercer 716 $ 82,687,000 $ 115,000 $ 60,000
Metcalfe 206 $ 16,714,000 $ 81,000 $ 42,000
Monroe 221 $ 15,237,000 $ 68,000 $ 59,000
Montgomery 1,048 $ 107,057,000 $ 102,000 $ 49,000
Morgan 111 $ 10,296,000 $ 92,000 $ 47,000
Muhlenberg 867 $ 65,892,000 $ 76,000 $ 54,000
Nelson 1,803 $ 222,618,000 $ 123,000 $ 55,000
Nicholas 212 $ 19,231,000 $ 90,000 $ 54,000
Ohio 584 $ 53,717,000 $ 91,000 $ 59,000
Oldham 3,017 $ 641,818,000 $ 212,000 $ 97,000
Owen 344 $ 37,265,000 $ 108,000 $ 77,000
Owsley 20 $ 1,151,000 $ 57,000 $ 46,000
Pendleton 533 $ 54,291,000 $ 101,000 $ 56,000
Perry 456 $ 40,014,000 $ 87,000 $ 55,000
Pike 1,559 $ 146,821,000 $ 94,000 $ 61,000
Powell 421 $ 30,773,000 $ 73,000 $ 50,000
Pulaski 1,397 $ 159,459,000 $ 114,000 $ 65,000
Robertson 43 $ 4,172,000 $ 97,000 $ 83,000
Rockcastle 360 $ 30,278,000 $ 84,000 $ 45,000
Rowan 500 $ 55,061,000 $ 110,000 $ 55,000
Russell 323 $ 38,593,000 $ 119,000 $ 64,000
Scott 2,687 $ 429,961,000 $ 160,000 $ 64,000
Shelby 1,855 $ 307,122,000 $ 165,000 $ 73,000
Simpson 701 $ 78,135,000 $ 111,000 $ 60,000
Spencer 985 $ 154,861,000 $ 157,000 $ 64,000
Taylor 484 $ 47,694,000 $ 98,000 $ 50,000
Todd 272 $ 28,772,000 $ 105,000 $ 87,000
Trigg 543 $ 61,234,000 $ 112,000 $ 64,000
Trimble 317 $ 32,227,000 $ 101,000 $ 54,000
Union 314 $ 26,433,000 $ 84,000 $ 60,000
Warren 4,076 $ 601,505,000 $ 147,000 $ 64,000
Washington 246 $ 27,039,000 $ 109,000 $ 53,000
Wayne 467 $ 38,018,000 $ 81,000 $ 50,000
Webster 268 $ 22,948,000 $ 85,000 $ 55,000
Whitley 961 $ 84,062,000 $ 87,000 $ 49,000
Wolfe 150 $ 8,657,000 $ 57,000 $ 43,000
Woodford 997 $ 160,081,000 $ 160,000 $ 70,000