Marshall County, KY Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,189 mortgage applications in Marshall County, KY totaling $184.1 million, down 23% from 2021. The average application was for $154,000, and applicants reported an average income of $85,000. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was US Bank, N.A., with 110 applications, followed by Regions Bank and Vanderbilt Mortgage and Finance, 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 1,189
Total Mortgage Loan Application Amount $184,055,000
Average Mortgage Loan Application Amount $154,000
Highest Mortgage Loan Application Amount $1,715,000
Average Applicant Income $85,000
Highest Applicant Income $1,013,000

Mortgage Company List for Lending in Marshall 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 110 $ 10,540,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 88 $ 7,630,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 68 $ 8,780,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 56 $ 7,330,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 5,045,573,000 44 $ 4,010,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 34 $ 4,790,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 33 $ 5,785,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 29 $ 4,015,000
Fnb Bank Inc
101 E BROADWAY
MAYFIELD, KY 42066
* $ 608,908,000 28 $ 5,420,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 26 $ 4,340,000
The Paducah Bank and Trust Company
2635 LONE OAK RD
PADUCAH, KY 42002
* $ 822,330,000 21 $ 6,715,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 21 $ 3,065,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,237,305,000 21 $ 5,935,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 21 $ 2,475,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 21 $ 4,455,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 21 $ 3,385,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 20 $ 3,630,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 19 $ 3,785,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 15 $ 3,045,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 14 $ 1,700,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 14 $ 2,620,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 13 $ 2,025,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 13 $ 1,755,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 13 $ 2,935,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 11 $ 1,735,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 11 $ 1,445,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 11 $ 1,745,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 10 $ 2,040,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,420,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 10 $ 1,510,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 9 $ 1,905,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 8 $ 700,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 8 $ 2,220,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 8 $ 1,260,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,240,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 8 $ 1,170,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 7 $ 1,175,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 7 $ 1,175,000
River Valley Agcredit
P O BOX 309
PADUCAH, KY 42001
* $ -1,000 7 $ 1,105,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 7 $ 1,335,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 6 $ 1,010,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 6 $ 1,270,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 6 $ 780,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 6 $ 1,050,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 6 $ 810,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 6 $ 580,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 5 $ 1,625,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 175,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 5 $ 1,055,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 445,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 4 $ 500,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 580,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 4 $ 1,290,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 4 $ 560,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 3 $ 525,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ 1,416,938,000 3 $ 1,365,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 3 $ 485,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 3,828,717,000 3 $ 625,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,895,919,000 3 $ 395,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 685,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 1,025,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 3 $ 455,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ 2,573,220,000 2 $ 370,000
Numark Credit Union
1654 TERRY DR; P O BOX 2729
JOLIET, IL 60434
* $ 604,572,000 2 $ 190,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 2 $ 310,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 270,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 2 $ 690,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 2 $ 1,000,000
Focus Bank
PO BOX 99
CHARLESTON, MO 63834
* $ 821,607,000 2 $ 210,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 497,372,000 2 $ 230,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 2 $ 490,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 2 $ 540,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 330,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 290,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 2 $ 110,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 2 $ 430,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 380,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 2 $ 370,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 4,206,869,000 2 $ 450,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 2 $ 290,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 262,541,000 2 $ 250,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 270,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 2 $ 320,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 2 $ 580,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ 756,446,000 2 $ 370,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,793,269,000 2 $ 170,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 2 $ 610,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 175,000
First Federal Bank
611 EAST COLLEGE ST
DICKSON, TN 37055
* $ 950,963,000 1 $ 315,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ -1,000 1 $ 185,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 135,000
Origin Bank

HOUSTON, TX 77024
* $ 7,798,628,000 1 $ 235,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 175,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 95,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 155,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 325,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 1 $ 115,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 161,574,000 1 $ 95,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 105,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 95,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 1 $ 55,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ -1,000 1 $ 145,000
Together Credit Union
MICHAEL DOUGHERTY
423 LYNCH STREET, MO 63118
* $ 2,311,081,000 1 $ 75,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 1,454,541,000 1 $ 85,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 5,384,484,000 1 $ 105,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 6,193,839,000 1 $ 115,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 1 $ 225,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,840,658,000 1 $ 195,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 755,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ -1,000 1 $ 55,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 175,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,025,737,000 1 $ 35,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 255,000
Guaranty Bank & Trust
100 W ARKANSAS ST
MT PLEASANT, TX 75455
* $ 3,085,443,000 1 $ 115,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 105,000
The Health and Education Federal Credit Union
185 PASADENA DR #155
LEXINGTON, KY 40511
* $ 117,090,000 1 $ 115,000
Iroquois Federal Savings & Loan Association
201 E CHERRY ST
WATSEKA, IL 60970
* $ 772,572,000 1 $ 405,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 55,000
Associated Bank NA
200 NORTH ADAMS STREET
GREEN BAY, WI 54301
* $ 35,057,609,000 1 $ 75,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 245,000
Consumers Credit Union
PO BOX 525
KALAMAZOO, MI 49009
* $ 1,803,219,000 1 $ 85,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 135,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 1,252,099,000 1 $ 45,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 24,354,109,000 1 $ 75,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 1 $ 205,000
First Horizon Bank
165 MADISON AVE 5TH FLOOR
MEMPHIS, TN 38103
* $ 88,758,641,000 1 $ 305,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 1 $ 125,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ 6,610,753,000 1 $ 205,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 165,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ 5,652,968,000 1 $ 145,000
The Equitable Mortgage Corporation
655 METRO PLACE SOUTH SUITE 500
DUBLIN, OH 43017
* $ -1,000 1 $ 455,000
Heritage Federal Credit Union
PO BOX 189
NEWBURGH, IN 47629
* $ 929,352,000 1 $ 165,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 7,134,316,000 1 $ 95,000
Fcb Banks
800 BELT LINE ROAD
COLLINSVILLE, IL 62234
* $ 2,026,686,000 1 $ 85,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 185,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 165,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 2,905,965,000 1 $ 425,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ 23,754,594,000 1 $ 275,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 135,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ 1,177,451,000 1 $ 395,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 185,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 225,000
Capstar Bank
1201 DEMONBREUN ST #700
NASHVILLE, TN 37203
* $ 3,129,211,000 1 $ 185,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ -1,000 1 $ 285,000
State Bank
885 N ILLINOIS ROUTE 3
WATERLOO, IL 62298
* $ 305,960,000 1 $ 115,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 175,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 225,000

The tables below break down 2022 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 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 641 $107,965,000 $168,000 $855,000 $80,000 $1,013,000
Cash-out Refinancing 219 $40,295,000 $183,000 $935,000 $79,000 $559,000
Refinancing 169 $23,235,000 $137,000 $1,715,000 $97,000 $634,000
Home Improvement 84 $4,960,000 $59,000 $155,000 $96,000 $888,000
Other Purpose 73 $7,365,000 $100,000 $1,005,000 $103,000 $727,000
Not Applicable 3 $235,000 $78,000 $105,000 $31,000 $31,000

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 956 $145,420,000 $152,000 $1,005,000 $87,000 $1,013,000
Not applicable 112 $18,910,000 $168,000 $1,715,000 $56,000 $115,000
Not Provided 91 $15,375,000 $168,000 $605,000 $70,000 $240,000
Hispanic 12 $1,400,000 $116,000 $275,000 $41,000 $95,000
American Indian or Alaskan Native 8 $1,110,000 $138,000 $275,000 $92,000 $211,000
Black or African American 7 $1,455,000 $207,000 $415,000 $81,000 $181,000
Asian 3 $385,000 $128,000 $185,000 $61,000 $84,000
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) 884 $131,840,000 $149,000 $1,715,000 $91,000 $1,013,000
FHA-insured (Federal Housing Administration) 148 $22,350,000 $151,000 $385,000 $59,000 $185,000
VA-guaranteed (Veterans Administration) 119 $24,945,000 $209,000 $485,000 $75,000 $275,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $4,920,000 $129,000 $195,000 $52,000 $78,000

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 $94,565,000 $165,000 $1,715,000 $95,000 $1,013,000
Application Denied By Financial Institution 230 $28,850,000 $125,000 $1,005,000 $67,000 $888,000
Application Withdrawn By Applicant 132 $22,160,000 $167,000 $935,000 $85,000 $491,000
Loan Purchased By The Institution 107 $17,825,000 $166,000 $645,000 $120,000 $398,000
File Closed For Incompleteness 92 $12,450,000 $135,000 $855,000 $63,000 $255,000
Application Approved But Not Accepted 51 $7,115,000 $139,000 $365,000 $89,000 $329,000
Preapproval Approved but not Accepted 6 $1,090,000 $181,000 $355,000 $72,000 $168,000
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 924 $148,020,000 $160,000 $1,715,000 $87,000 $1,013,000
Credit History 99 $11,845,000 $119,000 $415,000 $71,000 $888,000
Debt-To-Income Ratio 86 $14,090,000 $163,000 $1,005,000 $90,000 $727,000
Collateral 29 $3,705,000 $127,000 $375,000 $71,000 $156,000
Credit Application Incomplete 25 $3,155,000 $126,000 $345,000 $59,000 $132,000
Other 11 $1,415,000 $128,000 $205,000 $90,000 $275,000
Unverifiable Information 11 $1,215,000 $110,000 $145,000 $82,000 $268,000
Employment History 3 $485,000 $161,000 $205,000 $72,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 1 $125,000 $125,000 $125,000 $55,000 $55,000
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.

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