B&W Federal Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, B&W Federal Credit Union of Louisville, KY reported 52 mortgage applications totaling $4.0 million, down 15% from 2004. The average application was for $76,480, and applicants reported an average income of $69,384. 98% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Macon, GA (18), Louisville, KY-IN (16) and Warner Robins, GA (3) (applications in parentheses).
| Mortgage Company & Address | B&W Federal Credit Union Po Box 18630 Louisville, KY 40261 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 52 |
| Total Mortgage Loan Application Amount | $3,977,000 |
| Average Mortgage Loan Application Amount | $76,480 |
| Highest Mortgage Loan Application Amount | $559,000 |
| Average Applicant Income | $69,384 |
| Highest Applicant Income | $180,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records B&W Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Kentucky | 12 | $ 676,000 | $ 56,333 | $ 59,000 |
| Bibb, Georgia | 11 | $ 776,000 | $ 70,545 | $ 66,000 |
| Houston, Georgia | 3 | $ 203,000 | $ 67,666 | $ 59,000 |
| Jones, Georgia | 3 | $ 212,000 | $ 70,666 | $ 77,000 |
| Monroe, Georgia | 3 | $ 215,000 | $ 71,666 | $ 82,000 |
| Peach, Georgia | 3 | $ 228,000 | $ 76,000 | $ 67,000 |
| Bullitt, Kentucky | 2 | $ 116,000 | $ 58,000 | $ 73,000 |
| Orange, California | 1 | $ 20,000 | $ 20,000 | $ 65,000 |
| Broward, Florida | 1 | $ 559,000 | $ 559,000 | $ 160,000 |
| Taylor, Florida | 1 | $ 47,000 | $ 47,000 | $ 82,000 |
| Tift, Georgia | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Twiggs, Georgia | 1 | $ 87,000 | $ 87,000 | $ 55,000 |
| Walton, Georgia | 1 | $ 81,000 | $ 81,000 | $ 62,000 |
| Clark, Indiana | 1 | $ 18,000 | $ 18,000 | $ 59,000 |
| Floyd, Indiana | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Scott, Indiana | 1 | $ 38,000 | $ 38,000 | $ 45,000 |
| Oldham, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 103,000 |
| Shelby, Kentucky | 1 | $ 454,000 | $ 454,000 | $ 180,000 |
| Forsyth, North Carolina | 1 | $ 67,000 | $ 67,000 | $ 60,000 |
| Blair, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 80,000 |
| Dinwiddie, Virginia | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| Richmond City, Virginia | 1 | $ 35,000 | $ 35,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for B&W Federal Credit Union in 2005
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 |
|---|---|---|---|---|---|---|
| Refinancing | 27 | $1,936,000 | $57,750 | $194,000 | $63,500 | $105,000 |
| Home Purchase | 14 | $1,772,000 | $207,250 | $559,000 | $92,750 | $180,000 |
| Home Improvement | 11 | $269,000 | $23,500 | $40,000 | $78,333 | $103,000 |
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 | 48 | $3,786,000 | $84,571 | $559,000 | $78,714 | $180,000 |
| Black or African American | 3 | $156,000 | $52,000 | $100,000 | $61,000 | $89,000 |
| Not Provided | 1 | $35,000 | $35,000 | $35,000 | $90,000 | $90,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 52 | $3,977,000 | $76,250 | $559,000 | $77,500 | $180,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 51 | $3,896,000 | $76,125 | $559,000 | $77,500 | $180,000 |
| Application Withdrawn By Applicant | 1 | $81,000 | $81,000 | $81,000 | $62,000 | $62,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into B&W Federal Credit Union's 2005 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 B&W Federal 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About