B&W Federal Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, B&W Federal Credit Union of Louisville, KY reported 97 mortgage applications totaling $8.7 million. The average application was for $89,731, and applicants reported an average income of $78,340. 99% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Macon, GA (55) and Louisville, KY-IN (23).
| 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 | 97 |
| Total Mortgage Loan Application Amount | $8,704,000 |
| Average Mortgage Loan Application Amount | $89,731 |
| Highest Mortgage Loan Application Amount | $266,000 |
| Average Applicant Income | $78,340 |
| Highest Applicant Income | $160,000 |
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(HMDA) records B&W Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Bibb, Georgia | 27 | $ 2,409,000 | $ 89,222 | $ 68,000 |
| Jefferson, Kentucky | 21 | $ 2,239,000 | $ 106,619 | $ 109,000 |
| Jones, Georgia | 19 | $ 1,598,000 | $ 84,105 | $ 66,000 |
| Houston, Georgia | 6 | $ 392,000 | $ 65,333 | $ 87,000 |
| Monroe, Georgia | 4 | $ 454,000 | $ 113,500 | $ 93,000 |
| Clark, Indiana | 3 | $ 280,000 | $ 93,333 | $ 76,000 |
| Floyd, Indiana | 3 | $ 134,000 | $ 44,666 | $ 35,000 |
| Crawford, Georgia | 2 | $ 137,000 | $ 68,500 | $ 87,000 |
| Peach, Georgia | 2 | $ 156,000 | $ 78,000 | $ 57,000 |
| Wilkinson, Georgia | 2 | $ 202,000 | $ 101,000 | $ 58,000 |
| Baldwin, Georgia | 1 | $ 43,000 | $ 43,000 | $ 62,000 |
| Butts, Georgia | 1 | $ 80,000 | $ 80,000 | $ 95,000 |
| Laurens, Georgia | 1 | $ 51,000 | $ 51,000 | $ 78,000 |
| Macon, Georgia | 1 | $ 70,000 | $ 70,000 | $ 55,000 |
| Twiggs, Georgia | 1 | $ 121,000 | $ 121,000 | $ 79,000 |
| Harrison, Indiana | 1 | $ 58,000 | $ 58,000 | $ 53,000 |
| Bullitt, Kentucky | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Oldham, Kentucky | 1 | $ 147,000 | $ 147,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for B&W Federal Credit Union in 2003
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 (home purchase or home improvement, one-to-four family) | 91 | $7,951,000 | $84,666 | $213,000 | $75,666 | $160,000 |
| Home Purchase (one-to-four family) | 4 | $663,000 | $165,500 | $266,000 | $97,500 | $138,000 |
| Home Improvement (one-to-four family) | 2 | $90,000 | $45,000 | $60,000 | $116,000 | $117,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 81 | $7,228,000 | $86,000 | $266,000 | $78,666 | $160,000 |
| Black | 12 | $988,000 | $82,000 | $133,000 | $58,000 | $137,000 |
| Asian or Pacific Islander | 2 | $262,000 | $131,000 | $164,000 | $84,000 | $91,000 |
| Other | 1 | $162,000 | $162,000 | $162,000 | $119,000 | $119,000 |
| Hispanic | 1 | $64,000 | $64,000 | $64,000 | $65,000 | $65,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 97 | $8,704,000 | $87,000 | $266,000 | $78,000 | $160,000 |
| 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 | 96 | $8,624,000 | $87,000 | $266,000 | $78,000 | $160,000 |
| Application Denied By Financial Institution | 1 | $80,000 | $80,000 | $80,000 | $64,000 | $64,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 |
|---|---|---|---|---|---|---|
| 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 2003 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.
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