Cgb Agri Financial Services Mortgage Lending & HMDA Data, 2009

In 2009, Cgb Agri Financial Services of Louisville, KY reported 235 mortgage applications totaling $54.3 million, down 4% from 2008. The average application was for $230,923, and applicants reported an average income of $102,608. 0% of its applications resulted in an originated loan and 68% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (8), Portland-Vancouver-Beaverton, OR-WA (7) and Cincinnati-Middletown, OH-KY-IN (4) (applications in parentheses).

Mortgage Company & Address Cgb Agri Financial Services
2209 River Road
Louisville, KY 40206
Tel #: available with data download
Federal Regulator * available with data download
Years 2012  2011  2010  2009  2008  2007  2006  2005  
Total Number of Mortgage Applications 235
Total Mortgage Loan Application Amount $54,267,000
Average Mortgage Loan Application Amount $230,923
Highest Mortgage Loan Application Amount $1,200,000
Average Applicant Income $102,608
Highest Applicant Income $887,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cgb Agri Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Cgb Agri Financial Services by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Butte, California 3 $ 457,000 $ 152,333 $ 52,000
Story, Iowa 3 $ 399,000 $ 133,000 $ 74,000
Texas, Oklahoma 3 $ 550,000 $ 183,333 $ 76,000
Clackamas, Oregon 3 $ 869,000 $ 289,666 $ 95,000
Yamhill, Oregon 3 $ 1,726,000 $ 575,333 $ 242,000
Pope, Arkansas 2 $ 133,000 $ 66,500 $ 45,000
Fresno, California 2 $ 620,000 $ 310,000 $ 113,000
Yolo, California 2 $ 1,084,000 $ 542,000 $ 148,000
Escambia, Florida 2 $ 326,000 $ 163,000 $ 103,000
Butte, Idaho 2 $ 804,000 $ 402,000 $ 79,000
Grant, Kentucky 2 $ 256,000 $ 128,000 $ 96,000
Shelby, Kentucky 2 $ 933,000 $ 466,500 $ 101,000
Lane, Oregon 2 $ 1,425,000 $ 712,500 $ 314,000
Hunt, Texas 2 $ 241,000 $ 120,500 $ 79,000
Wood, Texas 2 $ 85,000 $ 42,500 $ 55,000
Tooele, Utah 2 $ 573,000 $ 286,500 $ 81,000
Thurston, Washington 2 $ 488,000 $ 244,000 $ 45,000
Sheridan, Wyoming 2 $ 456,000 $ 228,000 $ 70,000
Cochise, Arizona 1 $ 55,000 $ 55,000 $ 26,000
Gila, Arizona 1 $ 129,000 $ 129,000 $ 96,000
Graham, Arizona 1 $ 180,000 $ 180,000 $ 119,000
Mohave, Arizona 1 $ 213,000 $ 213,000 $ 77,000
Navajo, Arizona 1 $ 100,000 $ 100,000 $ 104,000
Cleburne, Arkansas 1 $ 29,000 $ 29,000 $ 46,000
Craighead, Arkansas 1 $ 50,000 $ 50,000 $ 34,000
Grant, Arkansas 1 $ 71,000 $ 71,000 $ 57,000
Howard, Arkansas 1 $ 130,000 $ 130,000 $ 61,000
Perry, Arkansas 1 $ 173,000 $ 173,000 $ 109,000
Phillips, Arkansas 1 $ 38,000 $ 38,000 $ 39,000
White, Arkansas 1 $ 228,000 $ 228,000 $ 121,000
Calaveras, California 1 $ 205,000 $ 205,000 $ 0
Glenn, California 1 $ 150,000 $ 150,000 $ 177,000
Kern, California 1 $ 258,000 $ 258,000 $ 4,000
Madera, California 1 $ 1,000,000 $ 1,000,000 $ 880,000
Merced, California 1 $ 417,000 $ 417,000 $ 206,000
Placer, California 1 $ 873,000 $ 873,000 $ 181,000
Riverside, California 1 $ 325,000 $ 325,000 $ 0
San Diego, California 1 $ 800,000 $ 800,000 $ 186,000
San Joaquin, California 1 $ 227,000 $ 227,000 $ 56,000
San Luis Obispo, California 1 $ 994,000 $ 994,000 $ 270,000
Siskiyou, California 1 $ 375,000 $ 375,000 $ 195,000
Stanislaus, California 1 $ 275,000 $ 275,000 $ 36,000
Tehama, California 1 $ 458,000 $ 458,000 $ 165,000
Tulare, California 1 $ 230,000 $ 230,000 $ 74,000
Gunnison, Colorado 1 $ 270,000 $ 270,000 $ 131,000
Middlesex, Connecticut 1 $ 340,000 $ 340,000 $ 89,000
Baker, Florida 1 $ 126,000 $ 126,000 $ 74,000
Clay, Florida 1 $ 130,000 $ 130,000 $ 26,000
Columbia, Florida 1 $ 70,000 $ 70,000 $ 42,000
Duval, Florida 1 $ 350,000 $ 350,000 $ 112,000
Gadsden, Florida 1 $ 500,000 $ 500,000 $ 95,000
Hernando, Florida 1 $ 78,000 $ 78,000 $ 42,000
Highlands, Florida 1 $ 84,000 $ 84,000 $ 45,000
Holmes, Florida 1 $ 35,000 $ 35,000 $ 28,000
Lake, Florida 1 $ 200,000 $ 200,000 $ 132,000
Levy, Florida 1 $ 149,000 $ 149,000 $ 51,000
Okeechobee, Florida 1 $ 64,000 $ 64,000 $ 62,000
Polk, Florida 1 $ 143,000 $ 143,000 $ 69,000
Santa Rosa, Florida 1 $ 154,000 $ 154,000 $ 34,000
Suwannee, Florida 1 $ 113,000 $ 113,000 $ 46,000
Atkinson, Georgia 1 $ 35,000 $ 35,000 $ 34,000
Banks, Georgia 1 $ 200,000 $ 200,000 $ 81,000
Barrow, Georgia 1 $ 439,000 $ 439,000 $ 174,000
Coffee, Georgia 1 $ 31,000 $ 31,000 $ 66,000
Coweta, Georgia 1 $ 319,000 $ 319,000 $ 48,000
Forsyth, Georgia 1 $ 56,000 $ 56,000 $ 19,000
Gwinnett, Georgia 1 $ 490,000 $ 490,000 $ 16,000
Haralson, Georgia 1 $ 127,000 $ 127,000 $ 78,000
Heard, Georgia 1 $ 28,000 $ 28,000 $ 31,000
Meriwether, Georgia 1 $ 130,000 $ 130,000 $ 97,000
Murray, Georgia 1 $ 56,000 $ 56,000 $ 23,000
Spalding, Georgia 1 $ 1,000,000 $ 1,000,000 $ 887,000
Johnson, Illinois 1 $ 156,000 $ 156,000 $ 46,000
Union, Illinois 1 $ 194,000 $ 194,000 $ 94,000
Bartholomew, Indiana 1 $ 85,000 $ 85,000 $ 58,000
Decatur, Indiana 1 $ 187,000 $ 187,000 $ 86,000
Fayette, Indiana 1 $ 232,000 $ 232,000 $ 107,000
Johnson, Indiana 1 $ 220,000 $ 220,000 $ 87,000
Knox, Indiana 1 $ 390,000 $ 390,000 $ 130,000
Lawrence, Indiana 1 $ 137,000 $ 137,000 $ 154,000
Monroe, Indiana 1 $ 126,000 $ 126,000 $ 0
Rush, Indiana 1 $ 96,000 $ 96,000 $ 45,000
Tipton, Indiana 1 $ 64,000 $ 64,000 $ 129,000
Montgomery, Iowa 1 $ 90,000 $ 90,000 $ 46,000
Atchison, Kansas 1 $ 126,000 $ 126,000 $ 61,000
Sumner, Kansas 1 $ 89,000 $ 89,000 $ 30,000
Cumberland, Kentucky 1 $ 140,000 $ 140,000 $ 34,000
Jackson, Kentucky 1 $ 135,000 $ 135,000 $ 43,000
Lewis, Kentucky 1 $ 118,000 $ 118,000 $ 32,000
Todd, Kentucky 1 $ 100,000 $ 100,000 $ 46,000
Evangeline, Louisiana 1 $ 46,000 $ 46,000 $ 0
Franklin, Louisiana 1 $ 89,000 $ 89,000 $ 119,000
Rapides, Louisiana 1 $ 208,000 $ 208,000 $ 94,000
Richland, Louisiana 1 $ 55,000 $ 55,000 $ 168,000
West Carroll, Louisiana 1 $ 54,000 $ 54,000 $ 179,000
Frederick, Maryland 1 $ 320,000 $ 320,000 $ 136,000
Howard, Maryland 1 $ 635,000 $ 635,000 $ 90,000
Cass, Michigan 1 $ 405,000 $ 405,000 $ 113,000
St. Clair, Michigan 1 $ 300,000 $ 300,000 $ 203,000
Carver, Minnesota 1 $ 532,000 $ 532,000 $ 166,000
Pennington, Minnesota 1 $ 108,000 $ 108,000 $ 64,000
Sibley, Minnesota 1 $ 500,000 $ 500,000 $ 122,000
Lincoln, Mississippi 1 $ 30,000 $ 30,000 $ 34,000
Pearl River, Mississippi 1 $ 114,000 $ 114,000 $ 68,000
Tate, Mississippi 1 $ 147,000 $ 147,000 $ 38,000
Callaway, Missouri 1 $ 316,000 $ 316,000 $ 151,000
Cass, Missouri 1 $ 130,000 $ 130,000 $ 536,000
Wright, Missouri 1 $ 315,000 $ 315,000 $ 68,000
Cascade, Montana 1 $ 150,000 $ 150,000 $ 86,000
Custer, Montana 1 $ 600,000 $ 600,000 $ 296,000
Lake, Montana 1 $ 218,000 $ 218,000 $ 153,000
Powell, Montana 1 $ 338,000 $ 338,000 $ 823,000
Ravalli, Montana 1 $ 620,000 $ 620,000 $ 31,000
Elko, Nevada 1 $ 845,000 $ 845,000 $ 459,000
Washoe, Nevada 1 $ 169,000 $ 169,000 $ 123,000
Cape May, New Jersey 1 $ 150,000 $ 150,000 $ 235,000
Grant, New Mexico 1 $ 231,000 $ 231,000 $ 149,000
San Juan, New Mexico 1 $ 545,000 $ 545,000 $ 272,000
Albany, New York 1 $ 209,000 $ 209,000 $ 41,000
Franklin, New York 1 $ 45,000 $ 45,000 $ 39,000
Oneida, New York 1 $ 115,000 $ 115,000 $ 36,000
Ulster, New York 1 $ 900,000 $ 900,000 $ 174,000
Westchester, New York 1 $ 1,000,000 $ 1,000,000 $ 36,000
Caswell, North Carolina 1 $ 108,000 $ 108,000 $ 167,000
Cleveland, North Carolina 1 $ 75,000 $ 75,000 $ 41,000
Columbus, North Carolina 1 $ 200,000 $ 200,000 $ 63,000
Harnett, North Carolina 1 $ 420,000 $ 420,000 $ 99,000
Henderson, North Carolina 1 $ 61,000 $ 61,000 $ 12,000
Iredell, North Carolina 1 $ 298,000 $ 298,000 $ 96,000
Moore, North Carolina 1 $ 24,000 $ 24,000 $ 60,000
Onslow, North Carolina 1 $ 50,000 $ 50,000 $ 60,000
Person, North Carolina 1 $ 51,000 $ 51,000 $ 17,000
Rowan, North Carolina 1 $ 40,000 $ 40,000 $ 114,000
Sampson, North Carolina 1 $ 21,000 $ 21,000 $ 18,000
Wake, North Carolina 1 $ 300,000 $ 300,000 $ 162,000
Warren, North Carolina 1 $ 56,000 $ 56,000 $ 30,000
Ashland, Ohio 1 $ 244,000 $ 244,000 $ 40,000
Butler, Ohio 1 $ 95,000 $ 95,000 $ 55,000
Cuyahoga, Ohio 1 $ 228,000 $ 228,000 $ 62,000
Hamilton, Ohio 1 $ 540,000 $ 540,000 $ 162,000
Cherokee, Oklahoma 1 $ 170,000 $ 170,000 $ 55,000
Creek, Oklahoma 1 $ 223,000 $ 223,000 $ 42,000
Delaware, Oklahoma 1 $ 96,000 $ 96,000 $ 74,000
Le Flore, Oklahoma 1 $ 88,000 $ 88,000 $ 54,000
Lincoln, Oklahoma 1 $ 185,000 $ 185,000 $ 69,000
Mayes, Oklahoma 1 $ 94,000 $ 94,000 $ 40,000
McClain, Oklahoma 1 $ 186,000 $ 186,000 $ 170,000
Pushmataha, Oklahoma 1 $ 56,000 $ 56,000 $ 20,000
Crook, Oregon 1 $ 690,000 $ 690,000 $ 285,000
Klamath, Oregon 1 $ 327,000 $ 327,000 $ 138,000
Malheur, Oregon 1 $ 100,000 $ 100,000 $ 32,000
Washington, Oregon 1 $ 600,000 $ 600,000 $ 622,000
Armstrong, Pennsylvania 1 $ 200,000 $ 200,000 $ 93,000
Mercer, Pennsylvania 1 $ 119,000 $ 119,000 $ 48,000
Northumberland, Pennsylvania 1 $ 95,000 $ 95,000 $ 84,000
Abbeville, South Carolina 1 $ 25,000 $ 25,000 $ 16,000
Edgefield, South Carolina 1 $ 174,000 $ 174,000 $ 67,000
Lancaster, South Carolina 1 $ 140,000 $ 140,000 $ 111,000
Spartanburg, South Carolina 1 $ 125,000 $ 125,000 $ 41,000
York, South Carolina 1 $ 200,000 $ 200,000 $ 69,000
Fall River, South Dakota 1 $ 115,000 $ 115,000 $ 84,000
Coffee, Tennessee 1 $ 228,000 $ 228,000 $ 106,000
Davidson, Tennessee 1 $ 90,000 $ 90,000 $ 29,000
Williamson, Tennessee 1 $ 204,000 $ 204,000 $ 147,000
Austin, Texas 1 $ 220,000 $ 220,000 $ 88,000
Cherokee, Texas 1 $ 45,000 $ 45,000 $ 20,000
Comal, Texas 1 $ 1,005,000 $ 1,005,000 $ 224,000
Dallas, Texas 1 $ 112,000 $ 112,000 $ 36,000
Ellis, Texas 1 $ 150,000 $ 150,000 $ 104,000
Fort Bend, Texas 1 $ 40,000 $ 40,000 $ 60,000
Freestone, Texas 1 $ 55,000 $ 55,000 $ 30,000
Grimes, Texas 1 $ 256,000 $ 256,000 $ 281,000
Harrison, Texas 1 $ 30,000 $ 30,000 $ 37,000
Hood, Texas 1 $ 80,000 $ 80,000 $ 61,000
Montgomery, Texas 1 $ 59,000 $ 59,000 $ 34,000
Nolan, Texas 1 $ 181,000 $ 181,000 $ 109,000
Parker, Texas 1 $ 56,000 $ 56,000 $ 110,000
Robertson, Texas 1 $ 175,000 $ 175,000 $ 107,000
Sabine, Texas 1 $ 20,000 $ 20,000 $ 22,000
Van Zandt, Texas 1 $ 76,000 $ 76,000 $ 37,000
Emery, Utah 1 $ 123,000 $ 123,000 $ 65,000
Addison, Vermont 1 $ 156,000 $ 156,000 $ 46,000
Alleghany, Virginia 1 $ 171,000 $ 171,000 $ 74,000
Amherst, Virginia 1 $ 260,000 $ 260,000 $ 58,000
Louisa, Virginia 1 $ 143,000 $ 143,000 $ 40,000
Montgomery, Virginia 1 $ 202,000 $ 202,000 $ 86,000
Pulaski, Virginia 1 $ 250,000 $ 250,000 $ 93,000
King, Washington 1 $ 170,000 $ 170,000 $ 43,000
Grant, West Virginia 1 $ 217,000 $ 217,000 $ 104,000
Raleigh, West Virginia 1 $ 193,000 $ 193,000 $ 111,000
Summers, West Virginia 1 $ 202,000 $ 202,000 $ 137,000
Bayfield, Wisconsin 1 $ 91,000 $ 91,000 $ 25,000
Dane, Wisconsin 1 $ 234,000 $ 234,000 $ 96,000
Albany, Wyoming 1 $ 180,000 $ 180,000 $ 61,000
Laramie, Wyoming 1 $ 272,000 $ 272,000 $ 126,000

Mortgage Loan Application Detail Totals for Cgb Agri Financial Services in 2009

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 136 $36,553,000 $268,000 $1,200,000 $109,000 $880,000
Home Purchase 95 $17,230,000 $181,000 $1,000,000 $95,000 $887,000
Home Improvement 4 $484,000 $121,000 $225,000 $66,000 $142,000

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 167 $37,504,000 $224,000 $1,000,000 $100,000 $887,000
Not Provided 52 $13,574,000 $261,000 $1,200,000 $119,000 $880,000
American Indian or Alaskan Native 6 $613,000 $102,000 $227,000 $57,000 $156,000
Black or African American 5 $1,414,000 $282,000 $873,000 $64,000 $181,000
Hispanic 5 $1,162,000 $232,000 $417,000 $103,000 $206,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
Asian 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) 235 $54,267,000 $230,000 $1,200,000 $103,000 $887,000
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
Application Denied By Financial Institution 159 $35,701,000 $224,000 $1,200,000 $86,000 $823,000
Application Withdrawn By Applicant 75 $17,966,000 $239,000 $1,000,000 $131,000 $887,000
Application Approved But Not Accepted 1 $600,000 $600,000 $600,000 $622,000 $622,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Originated 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
Debt-To-Income Ratio 38 $10,868,000 $286,000 $873,000 $74,000 $206,000
Credit History 15 $3,164,000 $210,000 $900,000 $85,000 $174,000
Collateral 13 $2,525,000 $194,000 $468,000 $79,000 $169,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,299,000 $185,000 $540,000 $83,000 $162,000
Other 6 $1,353,000 $225,000 $623,000 $201,000 $823,000
Unverifiable Information 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Cgb Agri Financial Services's 2009 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 Cgb Agri Financial Services'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.

Download the Kentucky Lender List