First Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
First Federal Savings Bank 2008 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 | First Federal Savings Bank 2323 Ring Road Elizabethtown, KY 42701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,497 |
| Total Mortgage Loan Application Amount | $187,380,000 |
| Average Mortgage Loan Application Amount | $94,666 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $57,666 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 with First Federal Savings Bank. 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 First Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2008 breaks down First Federal Savings Bank'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 First Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Savings Bank, 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 First Federal Savings Bank's mortgage activity for 2008.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hardin County Kentucky | 310 | $ 37,962,000 | $ 122,000 | $ 63,000 |
| Jefferson County Kentucky | 198 | $ 36,476,000 | $ 184,000 | $ 67,000 |
| Bullitt County Kentucky | 107 | $ 12,571,000 | $ 117,000 | $ 54,000 |
| Meade County Kentucky | 92 | $ 10,523,000 | $ 114,000 | $ 59,000 |
| Hart County Kentucky | 83 | $ 7,314,000 | $ 88,000 | $ 51,000 |
| Harrison County Indiana | 77 | $ 7,282,000 | $ 94,000 | $ 60,000 |
| Nelson County Kentucky | 77 | $ 8,038,000 | $ 104,000 | $ 51,000 |
| Daviess County Kentucky | 40 | $ 3,949,000 | $ 98,000 | $ 47,000 |
| Floyd County Indiana | 33 | $ 4,260,000 | $ 129,000 | $ 59,000 |
| Vanderburgh County Indiana | 30 | $ 2,649,000 | $ 88,000 | $ 50,000 |
| Clark County Indiana | 26 | $ 3,232,000 | $ 124,000 | $ 64,000 |
| Warren County Kentucky | 25 | $ 4,084,000 | $ 163,000 | $ 70,000 |
| Larue County Kentucky | 22 | $ 1,859,000 | $ 84,000 | $ 47,000 |
| Breckinridge County Kentucky | 18 | $ 1,645,000 | $ 91,000 | $ 54,000 |
| Hopkins County Kentucky | 16 | $ 1,817,000 | $ 113,000 | $ 55,000 |
| Logan County Kentucky | 15 | $ 1,381,000 | $ 92,000 | $ 46,000 |
| Washington County Indiana | 14 | $ 1,413,000 | $ 100,000 | $ 40,000 |
| Laurel County Kentucky | 13 | $ 1,343,000 | $ 103,000 | $ 53,000 |
| Spencer County Kentucky | 11 | $ 1,447,000 | $ 131,000 | $ 54,000 |
| Fayette County Kentucky | 10 | $ 2,068,000 | $ 206,000 | $ 67,000 |
| Grayson County Kentucky | 10 | $ 826,000 | $ 82,000 | $ 52,000 |
| Taylor County Kentucky | 10 | $ 1,361,000 | $ 136,000 | $ 81,000 |
| Whitley County Kentucky | 9 | $ 874,000 | $ 97,000 | $ 60,000 |
| Barren County Kentucky | 8 | $ 431,000 | $ 53,000 | $ 39,000 |
| Calloway County Kentucky | 8 | $ 604,000 | $ 75,000 | $ 40,000 |
| Butler County Kentucky | 7 | $ 593,000 | $ 84,000 | $ 43,000 |
| Kenton County Kentucky | 7 | $ 881,000 | $ 125,000 | $ 261,000 |
| Oldham County Kentucky | 7 | $ 1,777,000 | $ 253,000 | $ 143,000 |
| Simpson County Kentucky | 7 | $ 656,000 | $ 93,000 | $ 42,000 |
| Henderson County Kentucky | 6 | $ 944,000 | $ 157,000 | $ 75,000 |
| Crawford County Indiana | 5 | $ 368,000 | $ 73,000 | $ 46,000 |
| Spencer County Indiana | 5 | $ 340,000 | $ 68,000 | $ 27,000 |
| Warrick County Indiana | 5 | $ 449,000 | $ 89,000 | $ 60,000 |
| Allen County Kentucky | 5 | $ 477,000 | $ 95,000 | $ 51,000 |
| Boyd County Kentucky | 5 | $ 429,000 | $ 85,000 | $ 45,000 |
| Muhlenberg County Kentucky | 5 | $ 449,000 | $ 89,000 | $ 53,000 |
| Rockcastle County Kentucky | 5 | $ 450,000 | $ 90,000 | $ 43,000 |
| Washington County Kentucky | 5 | $ 453,000 | $ 90,000 | $ 24,000 |
| Jefferson County Indiana | 4 | $ 450,000 | $ 112,000 | $ 49,000 |
| Bell County Kentucky | 4 | $ 367,000 | $ 91,000 | $ 55,000 |
| Green County Kentucky | 4 | $ 286,000 | $ 71,000 | $ 47,000 |
| Greenup County Kentucky | 4 | $ 407,000 | $ 101,000 | $ 57,000 |
| Hancock County Kentucky | 4 | $ 354,000 | $ 88,000 | $ 45,000 |
| Harlan County Kentucky | 4 | $ 421,000 | $ 105,000 | $ 98,000 |
| Henry County Kentucky | 4 | $ 374,000 | $ 93,000 | $ 50,000 |
| Johnson County Kentucky | 4 | $ 502,000 | $ 125,000 | $ 95,000 |
| Lincoln County Kentucky | 4 | $ 591,000 | $ 147,000 | $ 33,000 |
| Marion County Kentucky | 4 | $ 371,000 | $ 92,000 | $ 51,000 |
| Montgomery County Kentucky | 4 | $ 647,000 | $ 161,000 | $ 63,000 |
| Ohio County Kentucky | 4 | $ 325,000 | $ 81,000 | $ 42,000 |
| Russell County Kentucky | 4 | $ 561,000 | $ 140,000 | $ 27,000 |
| Hamilton County Indiana | 3 | $ 617,000 | $ 205,000 | $ 122,000 |
| Marion County Indiana | 3 | $ 512,000 | $ 170,000 | $ 74,000 |
| Adair County Kentucky | 3 | $ 215,000 | $ 71,000 | $ 32,000 |
| Edmonson County Kentucky | 3 | $ 481,000 | $ 160,000 | $ 74,000 |
| Franklin County Kentucky | 3 | $ 317,000 | $ 105,000 | $ 62,000 |
| Garrard County Kentucky | 3 | $ 316,000 | $ 105,000 | $ 61,000 |
| Madison County Kentucky | 3 | $ 245,000 | $ 81,000 | $ 30,000 |
| Mercer County Kentucky | 3 | $ 546,000 | $ 182,000 | $ 118,000 |
| Shelby County Kentucky | 3 | $ 503,000 | $ 167,000 | $ 63,000 |
| Trigg County Kentucky | 3 | $ 250,000 | $ 83,000 | $ 59,000 |
| Daviess County Indiana | 2 | $ 157,000 | $ 78,000 | $ 35,000 |
| Gibson County Indiana | 2 | $ 157,000 | $ 78,000 | $ 43,000 |
| Orange County Indiana | 2 | $ 167,000 | $ 83,000 | $ 46,000 |
| Anderson County Kentucky | 2 | $ 270,000 | $ 135,000 | $ 90,000 |
| Boone County Kentucky | 2 | $ 304,000 | $ 152,000 | $ 395,000 |
| Boyle County Kentucky | 2 | $ 180,000 | $ 90,000 | $ 33,000 |
| Graves County Kentucky | 2 | $ 415,000 | $ 207,000 | $ 201,000 |
| Harrison County Kentucky | 2 | $ 339,000 | $ 169,000 | $ 77,000 |
| Metcalfe County Kentucky | 2 | $ 95,000 | $ 47,000 | $ 48,000 |
| Pulaski County Kentucky | 2 | $ 329,000 | $ 164,000 | $ 46,000 |
| Todd County Kentucky | 2 | $ 174,000 | $ 87,000 | $ 37,000 |
| Trimble County Kentucky | 2 | $ 199,000 | $ 99,000 | $ 32,000 |
| Claiborne County Tennessee | 2 | $ 185,000 | $ 92,000 | $ 48,000 |
| New Castle County Delaware | 1 | $ 182,000 | $ 182,000 | $ 58,000 |
| Sussex County Delaware | 1 | $ 356,000 | $ 356,000 | $ 162,000 |
| Lee County Florida | 1 | $ 3,600,000 | $ 3,600,000 | $ 1,000,000 |
| Dubois County Indiana | 1 | $ 80,000 | $ 80,000 | $ 36,000 |
| Elkhart County Indiana | 1 | $ 371,000 | $ 371,000 | $ 85,000 |
| Fayette County Indiana | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Hendricks County Indiana | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Jackson County Indiana | 1 | $ 149,000 | $ 149,000 | $ 27,000 |
| Johnson County Indiana | 1 | $ 123,000 | $ 123,000 | $ 43,000 |
| Monroe County Indiana | 1 | $ 177,000 | $ 177,000 | $ 49,000 |
| Perry County Indiana | 1 | $ 58,000 | $ 58,000 | $ 24,000 |
| Pike County Indiana | 1 | $ 29,000 | $ 29,000 | $ 30,000 |
| Posey County Indiana | 1 | $ 44,000 | $ 44,000 | $ 82,000 |
| Scott County Indiana | 1 | $ 77,000 | $ 77,000 | $ 56,000 |
| Shelby County Indiana | 1 | $ 77,000 | $ 77,000 | $ 48,000 |
| St. Joseph County Indiana | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Bath County Kentucky | 1 | $ 203,000 | $ 203,000 | $ 75,000 |
| Campbell County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Christian County Kentucky | 1 | $ 92,000 | $ 92,000 | $ 49,000 |
| Clay County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 48,000 |
| Cumberland County Kentucky | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Floyd County Kentucky | 1 | $ 56,000 | $ 56,000 | $ 16,000 |
| Grant County Kentucky | 1 | $ 132,000 | $ 132,000 | $ 38,000 |
| Jessamine County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 44,000 |
| Knox County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Lawrence County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 25,000 |
| Magoffin County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Marshall County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 136,000 |
| McCracken County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 38,000 |
| McLean County Kentucky | 1 | $ 33,000 | $ 33,000 | $ 28,000 |
| Pike County Kentucky | 1 | $ 53,000 | $ 53,000 | $ 21,000 |
| Rowan County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Wayne County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Webster County Kentucky | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Oxford County Maine | 1 | $ 151,000 | $ 151,000 | $ 31,000 |
| Waldo County Maine | 1 | $ 176,000 | $ 176,000 | $ 150,000 |
| Socorro County New Mexico | 1 | $ 144,000 | $ 144,000 | $ 33,000 |
| Ottawa County Ohio | 1 | $ 122,000 | $ 122,000 | $ 50,000 |
| Union County Ohio | 1 | $ 600,000 | $ 600,000 | $ 156,000 |
| Hamblen County Tennessee | 1 | $ 232,000 | $ 232,000 | $ 84,000 |
| Hamilton County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 36,000 |
| Hawkins County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 33,000 |
| Henry County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 40,000 |
| Knox County Tennessee | 1 | $ 232,000 | $ 232,000 | $ 90,000 |
| McMinn County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 45,000 |
| McNairy County Tennessee | 1 | $ 150,000 | $ 150,000 | $ 42,000 |
| Montgomery County Tennessee | 1 | $ 157,000 | $ 157,000 | $ 78,000 |
| Shelby County Tennessee | 1 | $ 347,000 | $ 347,000 | $ 117,000 |
| Sumner County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 38,000 |
| Tipton County Tennessee | 1 | $ 360,000 | $ 360,000 | $ 90,000 |
| Washington County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Williamson County Tennessee | 1 | $ 207,000 | $ 207,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank in 2008
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 | 833 | $114,231,000 | $137,000 | $3,600,000 | $64,000 | $1,000,000 |
| Home Purchase | 612 | $71,487,000 | $116,000 | $3,000,000 | $57,000 | $374,000 |
| Home Improvement | 52 | $1,662,000 | $31,000 | $180,000 | $52,000 | $147,000 |
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 | 1,325 | $156,954,000 | $118,000 | $3,600,000 | $64,000 | $1,000,000 |
| Black or African American | 73 | $8,683,000 | $118,000 | $360,000 | $56,000 | $180,000 |
| Not applicable | 66 | $17,662,000 | $267,000 | $3,000,000 | $0 | $0 |
| Hispanic | 13 | $1,529,000 | $117,000 | $200,000 | $59,000 | $260,000 |
| Not Provided | 9 | $1,047,000 | $116,000 | $268,000 | $74,000 | $204,000 |
| Asian | 8 | $1,205,000 | $150,000 | $276,000 | $44,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $214,000 | $107,000 | $118,000 | $49,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $86,000 | $86,000 | $86,000 | $78,000 | $78,000 |
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) | 1,091 | $136,481,000 | $125,000 | $3,600,000 | $64,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 287 | $36,474,000 | $127,000 | $308,000 | $51,000 | $275,000 |
| VA-guaranteed (Veterans Administration) | 66 | $10,434,000 | $158,000 | $345,000 | $67,000 | $163,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $3,991,000 | $75,000 | $124,000 | $36,000 | $59,000 |
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 | 899 | $118,567,000 | $131,000 | $3,600,000 | $64,000 | $1,000,000 |
| Application Denied By Financial Institution | 295 | $32,871,000 | $111,000 | $950,000 | $49,000 | $261,000 |
| Application Withdrawn By Applicant | 258 | $31,432,000 | $121,000 | $900,000 | $62,000 | $374,000 |
| File Closed For Incompleteness | 34 | $3,671,000 | $107,000 | $216,000 | $51,000 | $110,000 |
| Application Approved But Not Accepted | 11 | $839,000 | $76,000 | $268,000 | $51,000 | $185,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 8 | $648,000 | $81,000 | $143,000 | $37,000 | $54,000 |
| Debt-To-Income Ratio | 5 | $630,000 | $126,000 | $232,000 | $32,000 | $49,000 |
| Collateral | 4 | $522,000 | $130,000 | $170,000 | $68,000 | $98,000 |
| Credit Application Incomplete | 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 First Federal Savings Bank's 2008 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 First Federal Savings Bank'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.