Marshall County, KY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 982 mortgage applications in Marshall County, KY totaling $114.1 million, down 7% from 2017. The average application was for $116,000, and applicants reported an average income of $76,000. 49% of applications resulted in an originated loan and 21% were denied. The most active lender was US Bank, N.A., with 137 applications, followed by Regions Bank and Heritage Bank USA, Inc..

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 982
Total Mortgage Loan Application Amount $114,110,000
Average Mortgage Loan Application Amount $116,000
Highest Mortgage Loan Application Amount $665,000
Average Applicant Income $76,000
Highest Applicant Income $1,658,000

Mortgage Company List for Lending in Marshall County, KY for 2018

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 137 $ 13,505,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 116 $ 8,100,000
Heritage Bank USA, Inc.
4155 LAFAYETTE RD
HOPKINSVILLE, KY 42241
* $ 915,652,000 50 $ 5,570,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 38 $ 2,610,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 29 $ 4,125,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 26 $ 3,220,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 24 $ 3,600,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 2,172,570,000 22 $ 2,720,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 19 $ 2,725,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 18 $ 1,570,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 17 $ 2,375,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 17 $ 2,465,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 1,455,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 16 $ 2,130,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 13 $ 1,885,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 12 $ 1,970,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 12 $ 1,190,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 1,165,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 11 $ 1,675,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 11 $ 1,385,000
Fnb Bank Inc
101 E BROADWAY
MAYFIELD, KY 42066
* $ 487,598,000 10 $ 1,240,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 10 $ 430,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 10 $ 1,690,000
River Valley Agcredit
P O BOX 309
PADUCAH, KY 42001
* $ -1,000 10 $ 1,680,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 10 $ 1,020,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 9 $ 2,045,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 9 $ 1,275,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 9 $ 1,215,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 9 $ 1,105,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 9 $ 1,215,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 8 $ 660,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 7 $ 485,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 7 $ 1,095,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 770,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 6 $ 570,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 695,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 4 $ 450,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 4 $ 130,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 390,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 1,130,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 4 $ 400,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 3 $ 535,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 3 $ 215,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 485,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 3 $ 325,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 1,387,961,000 3 $ 395,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 285,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 425,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 3 $ 535,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 295,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 3 $ 75,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 315,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 3 $ 285,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 2 $ 230,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ 904,966,000 2 $ 520,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 270,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 170,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 2 $ 180,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 2 $ 90,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 50,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 8,908,994,000 2 $ 150,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,151,298,000 2 $ 60,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 2 $ 350,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 24,727,667,000 2 $ 660,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 350,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 2 $ 260,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 725,571,000 2 $ 410,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 400,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 2 $ 130,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 2 $ 100,000
Forbright Bank
6701 DEMOCRACY BLVD, SUITE 400
CHEVY CHASE, MD 20815
* $ 955,028,000 2 $ 340,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 480,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 2 $ 260,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 2 $ 520,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ -1,000 2 $ 190,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 260,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 290,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 390,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 164,969,000 2 $ 430,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 2 $ 190,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 200,000
Heritage Federal Credit Union
PO BOX 189
NEWBURGH, IN 47629
* $ 549,782,000 1 $ 115,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 466,374,000 1 $ 105,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 193,240,000 1 $ 25,000
Origin Bank

HOUSTON, TX 77024
* $ 4,135,891,000 1 $ 125,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 285,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 65,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 778,829,000 1 $ 305,000
Focus Bank
PO BOX 99
CHARLESTON, MO 63834
* $ 763,523,000 1 $ 35,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 155,000
Pinnacle Bank
150 3RD AVE SOUTH
NASHVILLE, TN 37203
* $ 22,081,233,000 1 $ 15,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 95,000
Peoples National Bank, N.A.
520 S 42ND ST
MOUNT VERNON, IL 62864
* $ 1,154,899,000 1 $ 425,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ -1,000 1 $ 235,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 225,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 22,858,876,000 1 $ 15,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 145,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 135,000
University of Illinois Community Credit Union
2201 S FIRST ST
CHAMPAIGN, IL 61820
* $ 328,744,000 1 $ 235,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 95,000
Prairie State Bank & Trust
3751 W. WABASH AVE
SPRINGFIELD, IL 62704
* $ 712,717,000 1 $ 145,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 15,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 155,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 848,892,000 1 $ 505,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 55,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 155,000
BNC National Bank

BISMARCK, ND 58501
* $ 945,013,000 1 $ 255,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 205,000
Peoples Bank of Altenburg
8537 MAIN ST
ALTENBURG, MO 63732
* $ 60,801,000 1 $ 165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 155,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 75,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 1 $ 265,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 284,719,000 1 $ 105,000
Bank of Cadiz and Trust Company
P.O. BOX 2020
CADIZ, KY 42211
* $ 109,977,000 1 $ 295,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 9,805,580,000 1 $ 245,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 165,000
Apci Federal Credit Union
PO BOX 20147
LEHIGH VALLEY, PA 18002
* $ 574,174,000 1 $ 45,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 105,000
Arvest Bank

TULSA, OK 74103
* $ 16,758,528,000 1 $ 75,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 1,768,439,000 1 $ 245,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ -1,000 1 $ 75,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 2,764,317,000 1 $ 35,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 1 $ 205,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 20,030,342,000 1 $ 85,000
Field & Main Bank
140 N. MAIN ST.
HENDERSON, KY 42420
* $ 415,058,000 1 $ 35,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ 3,248,026,000 1 $ 135,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 1 $ 165,000
Homestar Bank and Financial Services
3 DIVERSATECH DR
MANTENO, IL 60950
* $ 358,656,000 1 $ 205,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 981,848,000 1 $ 95,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 185,000
West Central Bank
400 E BUCHANAN
ASHLAND, IL 62612
* $ 191,154,000 1 $ 265,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 677,277,000 1 $ 135,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 205,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 85,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 45,000
Castle & Cooke Mortgage, LLC
13751 S WADSWORTH PARK DRIVE, STE 101
DRAPER, UT 84020
* $ -1,000 1 $ 275,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ -1,000 1 $ 75,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 65,000
Chou Team Realty, LLC
25391 COMMERCENTRE DRIVE
LAKE FOREST, CA 92630
* $ -1,000 1 $ 145,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 315,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 927,541,000 1 $ 65,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ -1,000 1 $ 45,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 65,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,376,902,000 1 $ 25,000

The tables below break down 2018 mortgage applications in Marshall 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 Marshall County, KY in 2018

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 440 $56,340,000 $128,000 $505,000 $68,000 $532,000
Cash-out Refinancing 183 $23,655,000 $129,000 $475,000 $69,000 $513,000
Refinancing 181 $23,275,000 $128,000 $665,000 $90,000 $504,000
Other Purpose 103 $5,545,000 $53,000 $225,000 $81,000 $263,000
Home Improvement 61 $3,865,000 $63,000 $235,000 $103,000 $1,658,000
Not Applicable 14 $1,430,000 $102,000 $165,000 $300,000 $300,000

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 828 $94,760,000 $114,000 $665,000 $77,000 $1,658,000
Not applicable 75 $9,585,000 $127,000 $315,000 $141,000 $300,000
Not Provided 63 $7,505,000 $119,000 $295,000 $71,000 $297,000
Hispanic 8 $1,130,000 $141,000 $285,000 $59,000 $88,000
American Indian or Alaskan Native 5 $565,000 $113,000 $275,000 $41,000 $55,000
Black or African American 3 $565,000 $188,000 $255,000 $84,000 $149,000
Asian 0 $0 $0 $0 $0 $0
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) 639 $70,355,000 $110,000 $665,000 $85,000 $1,658,000
FHA-insured (Federal Housing Administration) 157 $18,295,000 $116,000 $275,000 $55,000 $208,000
VA-guaranteed (Veterans Administration) 126 $19,070,000 $151,000 $425,000 $66,000 $241,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 60 $6,390,000 $106,000 $235,000 $41,000 $74,000

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 485 $57,195,000 $117,000 $665,000 $83,000 $1,658,000
Application Denied By Financial Institution 206 $19,160,000 $93,000 $475,000 $61,000 $200,000
Loan Purchased By The Institution 133 $17,975,000 $135,000 $455,000 $89,000 $532,000
Application Withdrawn By Applicant 85 $11,345,000 $133,000 $435,000 $71,000 $420,000
File Closed For Incompleteness 50 $6,060,000 $121,000 $325,000 $66,000 $241,000
Application Approved But Not Accepted 23 $2,375,000 $103,000 $285,000 $73,000 $262,000
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 761 $93,335,000 $122,000 $665,000 $81,000 $1,658,000
Credit History 87 $6,555,000 $75,000 $295,000 $62,000 $200,000
Debt-To-Income Ratio 48 $5,560,000 $115,000 $475,000 $63,000 $154,000
Collateral 38 $3,800,000 $100,000 $255,000 $72,000 $178,000
Credit Application Incomplete 16 $1,830,000 $114,000 $275,000 $70,000 $158,000
Other 15 $1,415,000 $94,000 $215,000 $54,000 $116,000
Unverifiable Information 13 $1,205,000 $92,000 $185,000 $46,000 $74,000
Employment History 2 $160,000 $80,000 $85,000 $25,000 $28,000
Insufficient Cash (Downpayment, Closing Cost) 2 $250,000 $125,000 $125,000 $53,000 $69,000
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.

Download the Kentucky Lender List