Logan County, KY Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,095 mortgage applications in Logan County, KY totaling $179.7 million, down 18% from 2021. The average application was for $164,000, and applicants reported an average income of $75,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was First Southern National Bank, with 139 applications, followed by US Bank, N.A. and Truist Bank.

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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 1,095
Total Mortgage Loan Application Amount $179,725,000
Average Mortgage Loan Application Amount $164,000
Highest Mortgage Loan Application Amount $6,105,000
Average Applicant Income $75,000
Highest Applicant Income $1,252,000

Mortgage Company List for Lending in Logan County, KY for 2022

* 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
* $ 1,180,778,000 139 $ 17,915,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 63 $ 7,325,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 48 $ 4,820,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 43 $ 6,895,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,591,396,000 42 $ 8,390,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 37 $ 4,955,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 31 $ 5,985,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 24 $ 3,880,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 24 $ 5,360,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 21 $ 3,665,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 19 $ 2,925,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 17 $ 2,715,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 16 $ 2,500,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 15 $ 2,295,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 15 $ 3,335,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 15 $ 2,995,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 14 $ 2,190,000
Service One Credit Union
P.O. BOX 51770
BOWLING GREEN, KY 42102
* $ 216,310,000 14 $ 1,130,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 699,135,000 14 $ 2,280,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 13 $ 2,155,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 12 $ 2,170,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 12 $ 2,060,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 11 $ 2,465,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 11 $ 1,985,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 2,025,359,000 10 $ 920,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 10 $ 3,850,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,600,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 9 $ 1,705,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 9 $ 1,525,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 9 $ 2,185,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 5,596,059,000 8 $ 720,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 8 $ 420,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 8 $ 990,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 1,398,075,000 7 $ 725,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 7 $ 1,065,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 1,415,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 7 $ 915,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 6 $ 1,640,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 1,440,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ 865,802,000 6 $ 550,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ -1,000 6 $ 1,280,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 6 $ 560,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 6 $ 530,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 6 $ 920,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 497,372,000 6 $ 2,020,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 6 $ 1,060,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 205,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 5 $ 805,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 614,390,000 5 $ 6,385,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 5 $ 995,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 4 $ 600,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 4 $ 270,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,810,411,000 4 $ 580,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 4 $ 500,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 4 $ 970,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 1,010,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 4 $ 830,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 4 $ 610,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 4 $ 560,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 3 $ 375,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 345,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 465,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 675,000
United Southern Bank
PO BOX 951
HOPKINSVILLE, KY 42241
* $ 280,977,000 3 $ 315,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 3 $ 295,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 3 $ 125,000
Highlands Residential Mortgage, Ltd.
950 W BETHANY DR STE 800
ALLEN, TX 75013
* $ -1,000 3 $ 555,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 3 $ 695,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ 257,667,000 3 $ 665,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 3 $ 475,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 3 $ 605,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 3 $ 1,085,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 645,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 275,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 315,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 3 $ 285,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 365,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 290,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 360,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 390,000
Cadence Bank
P O BOX 789
TUPELO, MS 38804
* $ 47,665,560,000 2 $ 370,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 2 $ 300,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 2 $ 320,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 2 $ 470,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 270,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 430,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ 707,754,000 2 $ 180,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 2 $ 270,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 2 $ 410,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,237,305,000 2 $ 240,000
Leaderone Financial Corp.
7500 COLLEGE BLVD SUITE 1150
OVERLAND PARK, KS 66210
* $ -1,000 2 $ 170,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 2 $ 840,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 710,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 390,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,463,554,000 2 $ 580,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 320,000
Jlb Corporation dba Golden Oak Lending
111 WESTPORT PLAZA, #1150
ST. LOUIS, MO 63146
* $ -1,000 2 $ 250,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 155,000
Heritage Bank & Trust
217 S JAMES CAMPBELL BLVD
COLUMBIA, TN 38401
* $ 255,185,000 1 $ 25,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 1 $ 125,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 195,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 1,006,405,000 1 $ 155,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 265,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 205,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 285,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 295,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ -1,000 1 $ 165,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 305,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 235,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ -1,000 1 $ 75,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 205,000
Pulte Mortgage LLC

DENVER, CO 80237
* $ -1,000 1 $ 175,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 1,384,857,000 1 $ 15,000
University Lending Group, LLC
42452 HAYES, STE I
CLLINTON TOWNSHIP, MI 48038
* $ -1,000 1 $ 175,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 175,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 1 $ 215,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 435,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 125,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 1 $ 15,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 215,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 325,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 175,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 325,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,089,286,000 1 $ 485,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 1 $ 95,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 1 $ 115,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ 756,446,000 1 $ 215,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 355,000
Homestar Financial Corporation
332 WASHINGTON STREET, NW
PEACHTREE CORNERS, GA 30501
* $ -1,000 1 $ 215,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 115,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ -1,000 1 $ 45,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 135,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ 250,282,000 1 $ 185,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 195,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 125,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ 693,921,000 1 $ 355,000
Ccf - Auburn Hills Branch
2955 UNIVERSITY DRIVE
AUBURN HILLS, MI 48326
* $ 372,750,000 1 $ 185,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ 457,336,000 1 $ 55,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 195,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 407,850,000 1 $ 215,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,895,919,000 1 $ 15,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,046,473,000 1 $ 185,000
United Home Loans, Inc.
1023 BURLINGTON AVE
WESTERN SPRINGS, IL 60558
* $ -1,000 1 $ 205,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ -1,000 1 $ 185,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,549,912,000 1 $ 185,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 6,088,183,000 1 $ 175,000
Bank of Edmonson County
PO BOX 99
BROWNSVILLE, KY 42210
* $ 254,613,000 1 $ 295,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 265,000
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ 732,216,000 1 $ 345,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 215,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 65,000

The tables below break down 2022 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 2022

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 556 $102,310,000 $184,000 $1,025,000 $72,000 $588,000
Cash-out Refinancing 195 $37,045,000 $189,000 $6,105,000 $68,000 $277,000
Refinancing 185 $28,745,000 $155,000 $1,205,000 $79,000 $327,000
Other Purpose 88 $6,180,000 $70,000 $245,000 $96,000 $1,252,000
Home Improvement 68 $5,260,000 $77,000 $405,000 $85,000 $275,000
Not Applicable 3 $185,000 $61,000 $75,000 $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 847 $129,065,000 $152,000 $715,000 $76,000 $1,252,000
Not Provided 92 $14,980,000 $162,000 $455,000 $73,000 $588,000
Not applicable 89 $25,335,000 $284,000 $6,105,000 $84,000 $84,000
Black or African American 26 $3,990,000 $153,000 $485,000 $62,000 $176,000
Hispanic 25 $3,445,000 $137,000 $395,000 $66,000 $278,000
Asian 7 $1,645,000 $235,000 $365,000 $100,000 $171,000
American Indian or Alaskan Native 6 $700,000 $116,000 $155,000 $70,000 $173,000
Native Hawaiian or Other Pacific Islander 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) 740 $112,870,000 $152,000 $6,105,000 $80,000 $1,252,000
FHA-insured (Federal Housing Administration) 204 $35,300,000 $173,000 $335,000 $60,000 $136,000
VA-guaranteed (Veterans Administration) 86 $20,490,000 $238,000 $615,000 $75,000 $208,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 65 $11,065,000 $170,000 $255,000 $56,000 $94,000

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 634 $109,160,000 $172,000 $6,105,000 $80,000 $1,252,000
Application Denied By Financial Institution 189 $24,655,000 $130,000 $485,000 $67,000 $588,000
Application Withdrawn By Applicant 126 $19,740,000 $156,000 $615,000 $69,000 $215,000
Loan Purchased By The Institution 82 $16,140,000 $196,000 $435,000 $64,000 $87,000
File Closed For Incompleteness 42 $5,290,000 $125,000 $285,000 $68,000 $301,000
Application Approved But Not Accepted 20 $4,380,000 $219,000 $715,000 $83,000 $208,000
Preapproval Approved but not Accepted 2 $360,000 $180,000 $205,000 $35,000 $35,000
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 888 $145,850,000 $164,000 $1,205,000 $77,000 $1,252,000
Credit History 72 $9,400,000 $130,000 $345,000 $74,000 $588,000
Debt-To-Income Ratio 54 $14,350,000 $265,000 $6,105,000 $58,000 $206,000
Collateral 30 $3,840,000 $128,000 $375,000 $70,000 $277,000
Credit Application Incomplete 21 $2,135,000 $101,000 $195,000 $88,000 $250,000
Other 12 $1,770,000 $147,000 $315,000 $64,000 $106,000
Unverifiable Information 12 $1,320,000 $110,000 $335,000 $45,000 $112,000
Insufficient Cash (Downpayment, Closing Cost) 4 $780,000 $195,000 $335,000 $56,000 $90,000
Mortgage Insurance Denied 1 $175,000 $175,000 $175,000 $72,000 $72,000
Employment History 1 $105,000 $105,000 $105,000 $47,000 $47,000

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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