Ashland Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Ashland Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Ashland Credit Union 1300 Central Ave Ashland, KY 41101 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 556 |
| Total Mortgage Loan Application Amount | $95,330,000 |
| Average Mortgage Loan Application Amount | $140,833 |
| Highest Mortgage Loan Application Amount | $585,000 |
| Average Applicant Income | $83,333 |
| Highest Applicant Income | $390,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Ashland Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Ashland Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Ashland Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Ashland Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Ashland Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Ashland Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Boyd County Kentucky | 86 | $ 12,190,000 | $ 141,000 | $ 102,000 |
| Washington County Minnesota | 60 | $ 14,130,000 | $ 235,000 | $ 126,000 |
| Greenup County Kentucky | 58 | $ 8,030,000 | $ 138,000 | $ 102,000 |
| Lawrence County Ohio | 31 | $ 3,665,000 | $ 118,000 | $ 80,000 |
| Fayette County Kentucky | 16 | $ 3,860,000 | $ 241,000 | $ 130,000 |
| Dakota County Minnesota | 13 | $ 3,005,000 | $ 231,000 | $ 111,000 |
| Carter County Kentucky | 10 | $ 1,160,000 | $ 116,000 | $ 108,000 |
| Franklin County Ohio | 7 | $ 1,765,000 | $ 252,000 | $ 115,000 |
| Ramsey County Minnesota | 6 | $ 1,340,000 | $ 223,000 | $ 102,000 |
| Wayne County West Virginia | 6 | $ 750,000 | $ 125,000 | $ 141,000 |
| Lawrence County Kentucky | 4 | $ 330,000 | $ 82,000 | $ 58,000 |
| Hennepin County Minnesota | 4 | $ 870,000 | $ 217,000 | $ 123,000 |
| Cabell County West Virginia | 4 | $ 570,000 | $ 142,000 | $ 168,000 |
| Pierce County Wisconsin | 4 | $ 850,000 | $ 212,000 | $ 141,000 |
| Jefferson County Kentucky | 3 | $ 625,000 | $ 208,000 | $ 52,000 |
| Lewis County Kentucky | 3 | $ 275,000 | $ 91,000 | $ 130,000 |
| Pike County Kentucky | 3 | $ 195,000 | $ 65,000 | $ 91,000 |
| Scioto County Ohio | 3 | $ 315,000 | $ 105,000 | $ 66,000 |
| Logan County West Virginia | 3 | $ 305,000 | $ 101,000 | $ 59,000 |
| St. Croix County Wisconsin | 3 | $ 875,000 | $ 291,000 | $ 113,000 |
| Rowan County Kentucky | 2 | $ 190,000 | $ 95,000 | $ 22,000 |
| Scott County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 171,000 |
| Union County Ohio | 2 | $ 310,000 | $ 155,000 | $ 63,000 |
| Westmoreland County Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 165,000 |
| Barbour County West Virginia | 2 | $ 290,000 | $ 145,000 | $ 97,000 |
| Preston County West Virginia | 2 | $ 310,000 | $ 155,000 | $ 99,000 |
| Raleigh County West Virginia | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Pima County Arizona | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Montrose County Colorado | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Bartow County Georgia | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Catoosa County Georgia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Lumpkin County Georgia | 1 | $ 385,000 | $ 385,000 | $ 125,000 |
| Wilkinson County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin County Illinois | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Randolph County Illinois | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Union County Illinois | 1 | $ 45,000 | $ 45,000 | $ 148,000 |
| Anderson County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Bath County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Campbell County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 253,000 |
| Clark County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Jessamine County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 117,000 |
| Johnson County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Madison County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Martin County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| Oldham County Kentucky | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Pulaski County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| Warren County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Beauregard County Louisiana | 1 | $ 215,000 | $ 215,000 | $ 140,000 |
| Calcasieu County Louisiana | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Livingston County Louisiana | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Crow Wing County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Hubbard County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Isanti County Minnesota | 1 | $ 345,000 | $ 345,000 | $ 115,000 |
| Scott County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Wayne County Missouri | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Cape May County New Jersey | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Mercer County New Jersey | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Rutherford County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 390,000 |
| Clermont County Ohio | 1 | $ 185,000 | $ 185,000 | $ 128,000 |
| Warren County Ohio | 1 | $ 225,000 | $ 225,000 | $ 228,000 |
| Horry County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Obion County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 145,000 |
| Rutherford County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 52,000 |
| Boone County West Virginia | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Harrison County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kanawha County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Lincoln County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Marion County West Virginia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Mercer County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Mingo County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Putnam County West Virginia | 1 | $ 455,000 | $ 455,000 | $ 229,000 |
| Taylor County West Virginia | 1 | $ 245,000 | $ 245,000 | $ 74,000 |
| Upshur County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Burnett County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
Mortgage Loan Application Detail Totals for Ashland Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 250 | $45,090,000 | $180,000 | $585,000 | $116,000 | $376,000 |
| Refinancing | 158 | $26,290,000 | $166,000 | $455,000 | $114,000 | $390,000 |
| Home Purchase | 134 | $22,270,000 | $166,000 | $465,000 | $88,000 | $390,000 |
| Other Purpose | 8 | $1,150,000 | $143,000 | $225,000 | $104,000 | $130,000 |
| Home Improvement | 4 | $300,000 | $75,000 | $145,000 | $21,000 | $21,000 |
| Not Applicable | 2 | $230,000 | $115,000 | $165,000 | $57,000 | $57,000 |
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 | 458 | $76,970,000 | $168,000 | $585,000 | $109,000 | $390,000 |
| Not Provided | 82 | $13,800,000 | $168,000 | $435,000 | $105,000 | $229,000 |
| Black or African American | 7 | $2,085,000 | $297,000 | $465,000 | $194,000 | $196,000 |
| Hispanic | 5 | $1,505,000 | $301,000 | $485,000 | $144,000 | $235,000 |
| Asian | 3 | $885,000 | $295,000 | $365,000 | $140,000 | $227,000 |
| American Indian or Alaskan Native | 1 | $85,000 | $85,000 | $85,000 | $55,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 510 | $88,630,000 | $173,000 | $585,000 | $112,000 | $390,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,975,000 | $137,000 | $425,000 | $61,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,270,000 | $189,000 | $355,000 | $82,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $455,000 | $91,000 | $125,000 | $42,000 | $64,000 |
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 | 400 | $71,410,000 | $178,000 | $585,000 | $116,000 | $390,000 |
| Application Withdrawn By Applicant | 92 | $16,490,000 | $179,000 | $475,000 | $86,000 | $180,000 |
| Application Denied By Financial Institution | 42 | $4,690,000 | $111,000 | $425,000 | $46,000 | $153,000 |
| Application Approved But Not Accepted | 22 | $2,740,000 | $124,000 | $355,000 | $61,000 | $150,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 514 | $90,640,000 | $176,000 | $585,000 | $112,000 | $390,000 |
| Other | 15 | $1,815,000 | $121,000 | $245,000 | $41,000 | $61,000 |
| Credit History | 14 | $1,570,000 | $112,000 | $265,000 | $66,000 | $153,000 |
| Debt-To-Income Ratio | 9 | $975,000 | $108,000 | $425,000 | $30,000 | $46,000 |
| Employment History | 3 | $215,000 | $71,000 | $105,000 | $0 | $0 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ashland Credit Union's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Ashland Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.