Your Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Your Community Bank 2005 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 | Your Community Bank 101 W Main St New Albany, IN 47150 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,126 |
| Total Mortgage Loan Application Amount | $126,515,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $2,250,000 |
| Average Applicant Income | $58,846 |
| Highest Applicant Income | $3,202,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Your Community 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 Your Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2005 breaks down Your Community 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 Your Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Your Community 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 Your Community Bank's mortgage activity for 2005.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Clark County Indiana | 306 | $ 27,788,000 | $ 90,000 | $ 57,000 |
| Floyd County Indiana | 239 | $ 27,285,000 | $ 114,000 | $ 59,000 |
| Jefferson County Kentucky | 115 | $ 19,834,000 | $ 172,000 | $ 63,000 |
| Nelson County Kentucky | 102 | $ 8,983,000 | $ 88,000 | $ 41,000 |
| Montgomery County Ohio | 23 | $ 2,478,000 | $ 107,000 | $ 35,000 |
| Harrison County Indiana | 21 | $ 2,599,000 | $ 123,000 | $ 42,000 |
| Oldham County Kentucky | 12 | $ 1,434,000 | $ 119,000 | $ 55,000 |
| Marion County Indiana | 10 | $ 814,000 | $ 81,000 | $ 52,000 |
| Madison County Kentucky | 10 | $ 893,000 | $ 89,000 | $ 76,000 |
| Franklin County Ohio | 10 | $ 1,125,000 | $ 112,000 | $ 47,000 |
| Hamilton County Ohio | 10 | $ 1,289,000 | $ 128,000 | $ 48,000 |
| Bullitt County Kentucky | 9 | $ 838,000 | $ 93,000 | $ 33,000 |
| Scott County Indiana | 8 | $ 746,000 | $ 93,000 | $ 52,000 |
| Clark County Kentucky | 8 | $ 1,374,000 | $ 171,000 | $ 81,000 |
| Fayette County Kentucky | 8 | $ 1,138,000 | $ 142,000 | $ 82,000 |
| Butler County Ohio | 8 | $ 1,015,000 | $ 126,000 | $ 48,000 |
| Greene County Ohio | 7 | $ 1,842,000 | $ 263,000 | $ 76,000 |
| Washington County Indiana | 6 | $ 602,000 | $ 100,000 | $ 54,000 |
| Mercer County Kentucky | 6 | $ 982,000 | $ 163,000 | $ 161,000 |
| Shelby County Kentucky | 5 | $ 1,081,000 | $ 216,000 | $ 43,000 |
| Spencer County Kentucky | 5 | $ 610,000 | $ 122,000 | $ 51,000 |
| Clermont County Ohio | 4 | $ 550,000 | $ 137,000 | $ 45,000 |
| Warren County Ohio | 4 | $ 754,000 | $ 188,000 | $ 67,000 |
| Lee County Florida | 3 | $ 884,000 | $ 294,000 | $ 132,000 |
| Jefferson County Indiana | 3 | $ 337,000 | $ 112,000 | $ 57,000 |
| Jessamine County Kentucky | 3 | $ 675,000 | $ 225,000 | $ 86,000 |
| Marion County Kentucky | 3 | $ 215,000 | $ 71,000 | $ 63,000 |
| Meade County Kentucky | 3 | $ 338,000 | $ 112,000 | $ 45,000 |
| Scott County Kentucky | 3 | $ 239,000 | $ 79,000 | $ 49,000 |
| Washington County Kentucky | 3 | $ 336,000 | $ 112,000 | $ 83,000 |
| Miami County Ohio | 3 | $ 360,000 | $ 120,000 | $ 47,000 |
| Broward County Florida | 2 | $ 305,000 | $ 152,000 | $ 49,000 |
| Crawford County Indiana | 2 | $ 188,000 | $ 94,000 | $ 45,000 |
| Hamilton County Indiana | 2 | $ 1,201,000 | $ 600,000 | $ 257,000 |
| Johnson County Indiana | 2 | $ 155,000 | $ 77,000 | $ 30,000 |
| Porter County Indiana | 2 | $ 187,000 | $ 93,000 | $ 81,000 |
| Vigo County Indiana | 2 | $ 193,000 | $ 96,000 | $ 144,000 |
| Powell County Kentucky | 2 | $ 137,000 | $ 68,000 | $ 23,000 |
| Pulaski County Kentucky | 2 | $ 60,000 | $ 30,000 | $ 24,000 |
| Brown County Ohio | 2 | $ 207,000 | $ 103,000 | $ 65,000 |
| Clark County Ohio | 2 | $ 212,000 | $ 106,000 | $ 27,000 |
| Baker County Florida | 1 | $ 90,000 | $ 90,000 | $ 33,000 |
| Martin County Florida | 1 | $ 234,000 | $ 234,000 | $ 62,000 |
| Allen County Indiana | 1 | $ 63,000 | $ 63,000 | $ 21,000 |
| DeKalb County Indiana | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Grant County Indiana | 1 | $ 70,000 | $ 70,000 | $ 103,000 |
| Hendricks County Indiana | 1 | $ 112,000 | $ 112,000 | $ 61,000 |
| Kosciusko County Indiana | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Orange County Indiana | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Shelby County Indiana | 1 | $ 249,000 | $ 249,000 | $ 63,000 |
| Vermillion County Indiana | 1 | $ 72,000 | $ 72,000 | $ 19,000 |
| Carlisle County Kentucky | 1 | $ 148,000 | $ 148,000 | $ 44,000 |
| Henderson County Kentucky | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Montgomery County Kentucky | 1 | $ 218,000 | $ 218,000 | $ 72,000 |
| Taylor County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Woodford County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Fayette County Ohio | 1 | $ 138,000 | $ 138,000 | $ 8,000 |
| Hardin County Ohio | 1 | $ 169,000 | $ 169,000 | $ 64,000 |
| Mahoning County Ohio | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Tuscarawas County Ohio | 1 | $ 200,000 | $ 200,000 | $ 288,000 |
Mortgage Loan Application Detail Totals for Your Community Bank 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 567 | $69,372,000 | $184,200 | $1,069,000 | $81,600 | $686,000 |
| Refinancing | 464 | $51,031,000 | $126,000 | $1,900,000 | $52,250 | $3,202,000 |
| Home Improvement | 95 | $6,112,000 | $82,500 | $2,250,000 | $37,000 | $259,000 |
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 | 940 | $102,481,000 | $129,200 | $1,900,000 | $64,400 | $3,202,000 |
| Not Provided | 100 | $11,447,000 | $104,800 | $1,069,000 | $49,000 | $252,000 |
| Black or African American | 39 | $3,361,000 | $95,000 | $320,000 | $48,666 | $159,000 |
| Not applicable | 22 | $6,361,000 | $248,500 | $2,250,000 | $0 | $0 |
| Hispanic | 18 | $2,285,000 | $174,000 | $378,000 | $50,800 | $129,000 |
| Asian | 6 | $493,000 | $84,000 | $196,000 | $42,000 | $96,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $87,000 | $87,000 | $87,000 | $24,000 | $24,000 |
| 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) | 1,099 | $123,654,000 | $135,200 | $2,250,000 | $59,800 | $3,202,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,873,000 | $103,000 | $168,000 | $40,666 | $73,000 |
| VA-guaranteed (Veterans Administration) | 6 | $778,000 | $136,333 | $172,000 | $43,333 | $67,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $210,000 | $105,000 | $145,000 | $29,000 | $48,000 |
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 | 571 | $64,326,000 | $154,000 | $2,250,000 | $76,250 | $3,202,000 |
| Application Approved But Not Accepted | 204 | $27,177,000 | $165,250 | $1,900,000 | $67,250 | $600,000 |
| Application Denied By Financial Institution | 142 | $14,375,000 | $102,800 | $696,000 | $47,200 | $686,000 |
| Preapproval Approved but not Accepted | 100 | $9,135,000 | $91,000 | $400,000 | $37,000 | $177,000 |
| Application Withdrawn By Applicant | 61 | $5,929,000 | $111,500 | $520,000 | $43,000 | $107,000 |
| File Closed For Incompleteness | 28 | $4,007,000 | $163,750 | $565,000 | $94,500 | $372,000 |
| Preapproval Denied by Financial Institution | 20 | $1,566,000 | $78,000 | $150,000 | $27,000 | $67,000 |
| Loan Purchased By The 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 | 1 | $74,000 | $74,000 | $74,000 | $79,000 | $79,000 |
| Other | 1 | $250,000 | $250,000 | $250,000 | $67,000 | $67,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Your Community Bank'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 Your Community 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 Indiana, download the full spreadsheet
with aggregated HMDA statistics today.