Park Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Park Federal 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 | Park Federal Credit Union 2515 Blankenbaker Parkway Louisville, KY 40299 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,091 |
| Total Mortgage Loan Application Amount | $194,585,000 |
| Average Mortgage Loan Application Amount | $131,800 |
| Highest Mortgage Loan Application Amount | $1,485,000 |
| Average Applicant Income | $83,600 |
| Highest Applicant Income | $787,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Park Federal 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 Park Federal 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 Park Federal 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 Park Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Park Federal 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 Park Federal 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 |
|---|---|---|---|---|
| Jefferson County Kentucky | 567 | $ 101,305,000 | $ 178,000 | $ 76,000 |
| Clark County Indiana | 80 | $ 13,630,000 | $ 170,000 | $ 64,000 |
| Bullitt County Kentucky | 78 | $ 11,410,000 | $ 146,000 | $ 78,000 |
| Madison County Kentucky | 72 | $ 12,590,000 | $ 174,000 | $ 76,000 |
| Floyd County Indiana | 66 | $ 10,700,000 | $ 162,000 | $ 71,000 |
| Fayette County Kentucky | 38 | $ 9,710,000 | $ 255,000 | $ 79,000 |
| Oldham County Kentucky | 35 | $ 8,865,000 | $ 253,000 | $ 104,000 |
| Shelby County Kentucky | 19 | $ 4,285,000 | $ 225,000 | $ 110,000 |
| Spencer County Kentucky | 12 | $ 2,410,000 | $ 200,000 | $ 116,000 |
| Nelson County Kentucky | 10 | $ 1,300,000 | $ 130,000 | $ 74,000 |
| Harrison County Indiana | 9 | $ 1,385,000 | $ 153,000 | $ 49,000 |
| Clark County Kentucky | 9 | $ 1,915,000 | $ 212,000 | $ 67,000 |
| Montgomery County Kentucky | 9 | $ 1,845,000 | $ 205,000 | $ 120,000 |
| Bourbon County Kentucky | 8 | $ 1,850,000 | $ 231,000 | $ 60,000 |
| Boyle County Kentucky | 8 | $ 950,000 | $ 118,000 | $ 159,000 |
| Scott County Kentucky | 7 | $ 885,000 | $ 126,000 | $ 59,000 |
| Franklin County Kentucky | 6 | $ 1,190,000 | $ 198,000 | $ 99,000 |
| Rockcastle County Kentucky | 6 | $ 520,000 | $ 86,000 | $ 53,000 |
| Henry County Kentucky | 5 | $ 595,000 | $ 119,000 | $ 119,000 |
| Jessamine County Kentucky | 5 | $ 695,000 | $ 139,000 | $ 44,000 |
| Washington County Indiana | 4 | $ 480,000 | $ 120,000 | $ 63,000 |
| Kenton County Kentucky | 4 | $ 600,000 | $ 150,000 | $ 83,000 |
| Hardin County Kentucky | 3 | $ 135,000 | $ 45,000 | $ 104,000 |
| Meade County Kentucky | 3 | $ 455,000 | $ 151,000 | $ 45,000 |
| Jefferson County Indiana | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Estill County Kentucky | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Garrard County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 27,000 |
| Laurel County Kentucky | 2 | $ 640,000 | $ 320,000 | $ 174,000 |
| Pulaski County Kentucky | 2 | $ 390,000 | $ 195,000 | $ 55,000 |
| Woodford County Kentucky | 2 | $ 280,000 | $ 140,000 | $ 83,000 |
| Cook County Illinois | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Hamilton County Indiana | 1 | $ 345,000 | $ 345,000 | $ 151,000 |
| Scott County Indiana | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Switzerland County Indiana | 1 | $ 155,000 | $ 155,000 | $ 137,000 |
| Adair County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Anderson County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 73,000 |
| Edmonson County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Grant County Kentucky | 1 | $ 665,000 | $ 665,000 | $ 218,000 |
| Harrison County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Jackson County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 108,000 |
| Mason County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Mercer County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Morgan County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 140,000 |
| Muhlenberg County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 77,000 |
| Washington County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Wake County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 206,000 |
Mortgage Loan Application Detail Totals for Park Federal 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 433 | $88,085,000 | $203,000 | $1,485,000 | $72,000 | $787,000 |
| Refinancing | 316 | $50,110,000 | $158,000 | $855,000 | $78,000 | $324,000 |
| Cash-out Refinancing | 287 | $53,235,000 | $185,000 | $1,355,000 | $83,000 | $432,000 |
| Home Improvement | 28 | $1,620,000 | $57,000 | $155,000 | $97,000 | $210,000 |
| Other Purpose | 27 | $1,535,000 | $56,000 | $215,000 | $88,000 | $285,000 |
| Not Applicable | 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 | 694 | $119,470,000 | $172,000 | $745,000 | $81,000 | $787,000 |
| Not applicable | 165 | $41,075,000 | $248,000 | $1,485,000 | $0 | $0 |
| Not Provided | 100 | $14,670,000 | $146,000 | $435,000 | $77,000 | $206,000 |
| Black or African American | 97 | $13,965,000 | $143,000 | $495,000 | $58,000 | $163,000 |
| Hispanic | 15 | $2,065,000 | $137,000 | $225,000 | $60,000 | $260,000 |
| Asian | 14 | $2,570,000 | $183,000 | $505,000 | $76,000 | $238,000 |
| American Indian or Alaskan Native | 4 | $430,000 | $107,000 | $165,000 | $45,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $265,000 | $265,000 | $265,000 | $186,000 | $186,000 |
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 | $194,585,000 | $178,000 | $1,485,000 | $77,000 | $787,000 |
| 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 | 871 | $161,495,000 | $185,000 | $1,485,000 | $79,000 | $787,000 |
| Application Withdrawn By Applicant | 101 | $15,635,000 | $154,000 | $395,000 | $82,000 | $285,000 |
| Application Denied By Financial Institution | 61 | $7,905,000 | $129,000 | $405,000 | $57,000 | $178,000 |
| File Closed For Incompleteness | 54 | $9,130,000 | $169,000 | $515,000 | $68,000 | $167,000 |
| Application Approved But Not Accepted | 4 | $420,000 | $105,000 | $195,000 | $53,000 | $85,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,030 | $186,680,000 | $181,000 | $1,485,000 | $79,000 | $787,000 |
| Credit History | 24 | $2,550,000 | $106,000 | $245,000 | $67,000 | $123,000 |
| Debt-To-Income Ratio | 22 | $3,180,000 | $144,000 | $355,000 | $38,000 | $79,000 |
| Collateral | 7 | $1,175,000 | $167,000 | $405,000 | $74,000 | $178,000 |
| Employment History | 4 | $540,000 | $135,000 | $215,000 | $56,000 | $89,000 |
| Unverifiable Information | 2 | $390,000 | $195,000 | $255,000 | $117,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $25,000 | $25,000 | $25,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $31,000 | $31,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Park Federal 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 Park 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.