Logan County, KY Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,165 mortgage applications in Logan County, KY totaling $218.0 million, up 10% from 2024. The average application was for $187,000, and applicants reported an average income of $99,000. 53% of applications resulted in an originated loan and 14% were denied. The most active lender was First Southern National Bank, with 89 applications, followed by PennyMac Loan Services LLC and South Central Bank Inc.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,165
Total Mortgage Loan Application Amount $218,005,000
Average Mortgage Loan Application Amount $187,000
Highest Mortgage Loan Application Amount $3,555,000
Average Applicant Income $99,000
Highest Applicant Income $2,040,000

Mortgage Company List for Lending in Logan County, KY for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ n/a 89 $ 9,845,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 75 $ 16,465,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ n/a 53 $ 8,005,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 43 $ 8,785,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 41 $ 10,315,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 36 $ 3,470,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 35 $ 8,325,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 33 $ 8,225,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 30 $ 6,700,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 29 $ 4,155,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 28 $ 3,480,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 24 $ 5,500,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 22 $ 5,260,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 21 $ 4,495,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 20 $ 5,120,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 20 $ 2,160,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 18 $ 2,820,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 14 $ 3,700,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 13 $ 1,745,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 13 $ 2,525,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 13 $ 525,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 12 $ 1,450,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 12 $ 1,130,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 11 $ 2,195,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ n/a 11 $ 1,685,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 10 $ 2,890,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 9 $ 2,695,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 9 $ 1,885,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 9 $ 1,025,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 2,255,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 8 $ 700,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ n/a 8 $ 1,340,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,580,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 7 $ 325,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 1,405,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 7 $ 1,125,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 7 $ 1,375,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ n/a 6 $ 1,320,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ n/a 6 $ 980,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ n/a 6 $ 1,300,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 6 $ 680,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 6 $ 1,670,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ n/a 6 $ 1,310,000
United Southern Bank
PO BOX 951
HOPKINSVILLE, KY 42241
* $ n/a 6 $ 1,310,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ n/a 6 $ 1,290,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 5 $ 1,105,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 5 $ 775,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 5 $ 425,000
Service One Credit Union
P.O. BOX 51770
BOWLING GREEN, KY 42102
* $ n/a 5 $ 715,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 5 $ 1,045,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 5 $ 725,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 5 $ 1,315,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 445,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 5 $ 1,185,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 5 $ 1,205,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 4 $ 1,370,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 4 $ 710,000
Premier Mortgage Resources, LLC
3363 E PRESIDENTIAL DR STE 200
MERIDIAN, ID 83646
* $ n/a 4 $ 890,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ n/a 4 $ 280,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 4 $ 800,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 4 $ 770,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ n/a 3 $ 655,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 395,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 3 $ 595,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ n/a 3 $ 575,000
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ n/a 3 $ 425,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 3 $ 675,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 3 $ 255,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ n/a 3 $ 1,655,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 3 $ 115,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ n/a 3 $ 865,000
Autotruck Financial Credit Union
7651 JEFFERSON GRN WY
LOUISVILLE, KY 40219
* $ n/a 3 $ 115,000
Sfmc, LP
5408 W PLANO PKWY
PLANO, TX 75093
* $ n/a 3 $ 715,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 3 $ 885,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 3 $ 125,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 3 $ 605,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 3 $ 475,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 3 $ 765,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 3 $ 625,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 725,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 3 $ 545,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 505,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 3 $ 565,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 845,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 3 $ 565,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 240,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 2 $ 570,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ n/a 2 $ 630,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 2 $ 880,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 390,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 710,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 2 $ 340,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 2 $ 400,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 310,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 730,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ n/a 2 $ 290,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 2 $ 520,000
Bank of Tennessee
301 E. CENTER ST.
KINGSPORT, TN 37660
* $ n/a 2 $ 430,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ n/a 2 $ 530,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 2 $ 420,000
Legacy Home Loans, LLC
4025 HILLSBORO PIKE #601
BRENTWOOD, TN 37027
* $ n/a 2 $ 350,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 125,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 155,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 1 $ 215,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ n/a 1 $ 85,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ n/a 1 $ 155,000
Walker & Dunlop, LLC
7501 WISCONSIN AVE, STE 1200E
BETHESDA, MD 20814
* $ n/a 1 $ 3,555,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 1 $ 285,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ n/a 1 $ 55,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 1 $ 75,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 1 $ 205,000
The Citizens National Bank of Somerset
44 PUBLIC SQ, PO BOX 760
SOMERSET, KY 42502
* $ n/a 1 $ 155,000
America First Federal Credit Union
4774 S 1300 W, BLDG 3
RIVERDALE, UT 84405
* $ n/a 1 $ 35,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 105,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ n/a 1 $ 145,000
The Paducah Bank and Trust Company
2635 LONE OAK RD
PADUCAH, KY 42002
* $ n/a 1 $ 465,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ n/a 1 $ 235,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 125,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ n/a 1 $ 315,000
Sacramento Deposit Bank
P.O. BOX 228
SACRAMENTO, KY 42372
* $ n/a 1 $ 275,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 1 $ 185,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 1 $ 105,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ n/a 1 $ 215,000
Allied Mortgage Group, Inc
225 E. CITY AVENUE, SUITE 102
BALA CYNWYD, PA 19004
* $ n/a 1 $ 35,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 1 $ 325,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 275,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 1 $ 235,000
Velocity Commercial Capital LLC
2945 TOWNSGATE ROAD SUITE 110
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 85,000
Nova Financial & Investment Corporation
6245 E. BROADWAY BLVD., SUITE 400
TUCSON, AZ 85711
* $ n/a 1 $ 115,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 1 $ 205,000
Orchard Mortgage, LLC
8900 BUSINESS PARK DR
AUSTIN, TX 78705
* $ n/a 1 $ 115,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 1 $ 105,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 295,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 1 $ 335,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 135,000
Cornerstone Capital Bank, SSB
1177 WEST LOOP SOUTH SUITE 200
HOUSTON, TX 77027
* $ n/a 1 $ 195,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ n/a 1 $ 105,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 1 $ 215,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 355,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 1 $ 435,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 275,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 135,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 205,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ n/a 1 $ 125,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 45,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 55,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 1 $ 365,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 1 $ 165,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 335,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ n/a 1 $ 75,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 195,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 175,000

The tables below break down 2025 mortgage applications in Logan County, KY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Logan County, KY in 2025

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 628 $129,120,000 $205,000 $805,000 $96,000 $2,040,000
Refinancing 195 $42,335,000 $217,000 $3,555,000 $105,000 $526,000
Cash-out Refinancing 172 $33,420,000 $194,000 $555,000 $86,000 $330,000
Other Purpose 100 $8,290,000 $82,000 $485,000 $129,000 $1,529,000
Home Improvement 70 $4,840,000 $69,000 $255,000 $97,000 $414,000
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 851 $150,795,000 $177,000 $805,000 $101,000 $2,040,000
Not applicable 146 $35,790,000 $245,000 $3,555,000 $80,000 $130,000
Not Provided 93 $17,745,000 $190,000 $465,000 $82,000 $330,000
Black or African American 41 $8,285,000 $202,000 $705,000 $102,000 $800,000
Hispanic 24 $3,740,000 $155,000 $405,000 $93,000 $498,000
Asian 6 $960,000 $160,000 $275,000 $74,000 $115,000
American Indian or Alaskan Native 3 $335,000 $111,000 $125,000 $37,000 $48,000
Native Hawaiian or Other Pacific Islander 1 $355,000 $355,000 $355,000 $151,000 $151,000

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) 651 $97,055,000 $149,000 $3,555,000 $110,000 $2,040,000
FHA-insured (Federal Housing Administration) 280 $58,190,000 $207,000 $485,000 $75,000 $291,000
VA-guaranteed (Veterans Administration) 174 $50,630,000 $290,000 $535,000 $91,000 $202,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 60 $12,130,000 $202,000 $345,000 $71,000 $125,000

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 615 $112,945,000 $183,000 $705,000 $100,000 $1,020,000
Application Denied By Financial Institution 165 $25,215,000 $152,000 $555,000 $92,000 $1,529,000
Application Withdrawn By Applicant 149 $34,085,000 $228,000 $3,555,000 $123,000 $2,040,000
Loan Purchased By The Institution 136 $30,570,000 $224,000 $705,000 $77,000 $130,000
File Closed For Incompleteness 64 $9,620,000 $150,000 $475,000 $66,000 $200,000
Application Approved But Not Accepted 34 $5,210,000 $153,000 $385,000 $83,000 $202,000
Preapproval Approved but not Accepted 1 $275,000 $275,000 $275,000 $76,000 $76,000
Preapproval Denied by Financial Institution 1 $85,000 $85,000 $85,000 $29,000 $29,000

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 972 $186,450,000 $191,000 $3,555,000 $98,000 $2,040,000
Debt-To-Income Ratio 64 $12,790,000 $199,000 $555,000 $129,000 $1,529,000
Credit History 57 $7,205,000 $126,000 $465,000 $99,000 $800,000
Collateral 25 $4,235,000 $169,000 $365,000 $95,000 $526,000
Credit Application Incomplete 16 $2,220,000 $138,000 $385,000 $76,000 $125,000
Unverifiable Information 14 $1,830,000 $130,000 $255,000 $59,000 $140,000
Other 9 $1,825,000 $202,000 $435,000 $86,000 $201,000
Insufficient Cash (Downpayment, Closing Cost) 7 $1,245,000 $177,000 $325,000 $75,000 $150,000
Employment History 1 $205,000 $205,000 $205,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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