Meade County, KY Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,669 mortgage applications in Meade County, KY totaling $344.0 million, up 15% from 2024. The average application was for $206,000, and applicants reported an average income of $104,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lender was Meade County Bank, with 139 applications, followed by Abound Federal Credit Union and United Wholesale Mortgage.

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 1,669
Total Mortgage Loan Application Amount $343,995,000
Average Mortgage Loan Application Amount $206,000
Highest Mortgage Loan Application Amount $4,205,000
Average Applicant Income $104,000
Highest Applicant Income $1,154,000

Mortgage Company List for Lending in Meade 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
Meade County Bank
PO BOX 278
BRANDENBURG, KY 40108
* $ n/a 139 $ 21,355,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ n/a 131 $ 20,505,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 107 $ 29,715,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ n/a 99 $ 15,795,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 88 $ 12,560,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 85 $ 25,285,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 69 $ 18,185,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 49 $ 13,935,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 40 $ 10,800,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 37 $ 7,015,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ n/a 31 $ 7,075,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 30 $ 7,440,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 29 $ 5,505,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 27 $ 6,145,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 22 $ 3,260,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 20 $ 3,080,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 16 $ 3,860,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 16 $ 2,700,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 16 $ 4,510,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 15 $ 2,195,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 15 $ 3,795,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 14 $ 2,060,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 13 $ 1,985,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ n/a 13 $ 3,265,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 13 $ 3,465,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 13 $ 2,805,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 13 $ 1,675,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 12 $ 3,290,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 12 $ 2,980,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 12 $ 1,000,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 11 $ 1,355,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 11 $ 2,135,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 10 $ 2,010,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 10 $ 2,500,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 10 $ 680,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 9 $ 2,675,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 9 $ 615,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 9 $ 1,385,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 8 $ 1,120,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 8 $ 1,660,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ n/a 8 $ 1,030,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 8 $ 2,840,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 8 $ 2,550,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 1,500,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 7 $ 1,875,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 1,725,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 7 $ 1,845,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 7 $ 2,025,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ n/a 6 $ 1,170,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 6 $ 990,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 6 $ 1,750,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ n/a 6 $ 1,080,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 935,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 5 $ 585,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 5 $ 1,275,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ n/a 5 $ 895,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 5 $ 225,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 5 $ 1,435,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ n/a 5 $ 995,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 5 $ 815,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 4 $ 940,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 4 $ 850,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ n/a 4 $ 860,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 4 $ 740,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 4 $ 700,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ n/a 4 $ 710,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 4 $ 1,100,000
First Harrison Bank
220 FEDERAL DR NW
CORYDON, IN 47112
* $ n/a 4 $ 840,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 3 $ 665,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 295,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ n/a 3 $ 425,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 3 $ 355,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 3 $ 555,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 3 $ 685,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 3 $ 1,105,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 3 $ 725,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 2 $ 140,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 2 $ 430,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 470,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 2 $ 1,000,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 2 $ 570,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 2 $ 140,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 2 $ 670,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 2 $ 850,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 550,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 470,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 2 $ 80,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 2 $ 610,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 2 $ 80,000
Eclipse Bank Inc
3827 SHELBYVILLE RD
LOUISVILLE, KY 40245
* $ n/a 2 $ 3,160,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ n/a 2 $ 750,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 2 $ 460,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 2 $ 140,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 2 $ 370,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 2 $ 280,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ n/a 2 $ 280,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 1 $ 85,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ n/a 1 $ 265,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 45,000
Arizona Financial Credit Union
333 N 44TH ST
PHOENIX, AZ 85082
* $ n/a 1 $ 325,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 1 $ 105,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 125,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 195,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ n/a 1 $ 55,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 195,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 1 $ 85,000
Logan Finance Corporation
1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE
HAUPPAUGE, NY 11788
* $ n/a 1 $ 245,000
Montgomery Bank
P.O. BOX 948
SIKESTON, MO 63801
* $ n/a 1 $ 55,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 135,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ n/a 1 $ 345,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 25,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ n/a 1 $ 45,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 1 $ 295,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 775,000
Weichert Financial Services
225 LITTLETON ROAD
MORRIS PLAINS, NJ 07950
* $ n/a 1 $ 335,000
Service Federal Credit Union
3003 LAFAYETTE ROAD
PORTSMOUTH, NH 03801
* $ n/a 1 $ 325,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ n/a 1 $ 75,000
Advanz Federal Credit Union
9600 ORMSBY STATION ROAD
LOUISVILLE, KY 40223
* $ n/a 1 $ 55,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ n/a 1 $ 165,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 1 $ 265,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 225,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 365,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ n/a 1 $ 325,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 235,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ n/a 1 $ 215,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 125,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 1 $ 85,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 1 $ 165,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 375,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 1 $ 295,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ n/a 1 $ 225,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 45,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 165,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 395,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 1 $ 65,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 115,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 1 $ 35,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ n/a 1 $ 55,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 95,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 205,000
Presidential Bank, FSB
4600 EAST WEST HIGHWAY, SUITE 400
BETHESDA, MD 20814
* $ n/a 1 $ 385,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 245,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 205,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 165,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 1 $ 185,000
Southwest Funding LP
13150 COIT ROAD STE 100
DALLAS, TX 75240
* $ n/a 1 $ 125,000
Champions Funding, LLC
365 E GERMANN RD #140
GILBERT, AZ 85297
* $ n/a 1 $ 255,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 425,000
Jmac Lending, Inc.
2510 RED HILL AVENUE
SANTA ANA, CA 92705
* $ n/a 1 $ 285,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 355,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 1 $ 195,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 195,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 275,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 1 $ 105,000

The tables below break down 2025 mortgage applications in Meade 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 Meade 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 813 $187,785,000 $230,000 $4,205,000 $100,000 $697,000
Cash-out Refinancing 286 $60,400,000 $211,000 $655,000 $107,000 $501,000
Refinancing 285 $69,485,000 $243,000 $1,405,000 $99,000 $317,000
Home Improvement 141 $13,985,000 $99,000 $2,905,000 $113,000 $430,000
Other Purpose 140 $11,560,000 $82,000 $405,000 $115,000 $1,154,000
Not Applicable 4 $780,000 $195,000 $245,000 $70,000 $70,000

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 1,292 $246,650,000 $190,000 $775,000 $104,000 $1,154,000
Not applicable 159 $46,035,000 $289,000 $4,205,000 $127,000 $200,000
Not Provided 131 $32,675,000 $249,000 $645,000 $102,000 $300,000
Hispanic 42 $8,840,000 $210,000 $465,000 $110,000 $501,000
Black or African American 32 $6,700,000 $209,000 $405,000 $111,000 $240,000
American Indian or Alaskan Native 7 $1,715,000 $245,000 $475,000 $146,000 $203,000
Asian 3 $675,000 $225,000 $295,000 $146,000 $288,000
Native Hawaiian or Other Pacific Islander 3 $705,000 $235,000 $365,000 $115,000 $142,000

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) 971 $154,985,000 $159,000 $4,205,000 $106,000 $1,154,000
VA-guaranteed (Veterans Administration) 382 $118,900,000 $311,000 $775,000 $121,000 $415,000
FHA-insured (Federal Housing Administration) 292 $65,500,000 $224,000 $475,000 $82,000 $295,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 24 $4,610,000 $192,000 $265,000 $73,000 $107,000

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 883 $187,305,000 $212,000 $4,205,000 $110,000 $633,000
Application Denied By Financial Institution 281 $44,645,000 $158,000 $655,000 $94,000 $1,154,000
Application Withdrawn By Applicant 222 $49,340,000 $222,000 $555,000 $97,000 $305,000
Loan Purchased By The Institution 129 $33,915,000 $262,000 $605,000 $127,000 $200,000
File Closed For Incompleteness 100 $18,750,000 $187,000 $645,000 $94,000 $697,000
Application Approved But Not Accepted 50 $9,200,000 $184,000 $775,000 $113,000 $633,000
Preapproval Approved but not Accepted 2 $330,000 $165,000 $185,000 $68,000 $100,000
Preapproval Denied by Financial Institution 2 $510,000 $255,000 $335,000 $91,000 $131,000

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 1,244 $272,570,000 $219,000 $4,205,000 $106,000 $697,000
Debt-To-Income Ratio 212 $37,820,000 $178,000 $2,905,000 $97,000 $633,000
Credit History 92 $13,640,000 $148,000 $655,000 $96,000 $415,000
Collateral 50 $8,200,000 $164,000 $605,000 $124,000 $1,154,000
Credit Application Incomplete 26 $3,110,000 $119,000 $325,000 $103,000 $501,000
Unverifiable Information 18 $3,270,000 $181,000 $335,000 $90,000 $124,000
Other 12 $2,650,000 $220,000 $515,000 $102,000 $208,000
Insufficient Cash (Downpayment, Closing Cost) 10 $1,630,000 $163,000 $355,000 $69,000 $135,000
Employment History 5 $1,105,000 $221,000 $415,000 $56,000 $102,000
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