Meade County, KY Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 1,687 mortgage applications in Meade County, KY totaling $307.3 million, down 25% from 2021. The average application was for $182,000, and applicants reported an average income of $94,000. 56% of applications resulted in an originated loan and 15% were denied. The most active lender was Meade County Bank, with 196 applications, followed by Abound Federal Credit Union and The Cecilian 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 1,687
Total Mortgage Loan Application Amount $307,345,000
Average Mortgage Loan Application Amount $182,000
Highest Mortgage Loan Application Amount $1,715,000
Average Applicant Income $94,000
Highest Applicant Income $1,968,000

Mortgage Company List for Lending in Meade 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
Meade County Bank
PO BOX 278
BRANDENBURG, KY 40108
* $ 288,987,000 196 $ 31,140,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 2,025,359,000 128 $ 17,850,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 1,384,857,000 123 $ 15,015,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 76 $ 11,120,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 62 $ 6,340,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 58 $ 16,590,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 55 $ 14,785,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 46 $ 11,640,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 37 $ 7,405,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 34 $ 7,360,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 32 $ 3,940,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,591,396,000 32 $ 7,840,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 31 $ 7,445,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 26 $ 5,690,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 25 $ 5,605,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 341,539,000 24 $ 4,060,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 23 $ 4,705,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 23 $ 5,435,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 21 $ 1,435,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 21 $ 1,965,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 20 $ 3,660,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 18 $ 3,010,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 16 $ 3,170,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 14 $ 3,200,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 14 $ 3,310,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 12 $ 2,200,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 6,639,234,000 11 $ 1,525,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 11 $ 3,095,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 11 $ 2,365,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 11 $ 2,035,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 11 $ 2,185,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 11 $ 2,555,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 10 $ 1,840,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 10 $ 2,900,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 9 $ 1,665,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,840,658,000 9 $ 895,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 9 $ 1,395,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 9 $ 2,555,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 9 $ 2,795,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 8 $ 1,810,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,720,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 8 $ 1,220,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 950,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 7 $ 1,065,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 7 $ 955,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 7 $ 2,185,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 7 $ 1,185,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 7 $ 1,015,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 7 $ 1,475,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 7 $ 1,645,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ -1,000 6 $ 1,520,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 6 $ 1,330,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 6 $ 890,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 1,380,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 6 $ 1,090,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 6 $ 1,060,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 5 $ 665,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 5 $ 325,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 1,495,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 5 $ 665,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 5 $ 435,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 1,189,715,000 5 $ 405,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 5 $ 995,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 1,055,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 5 $ 465,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 4 $ 830,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 6,088,183,000 4 $ 190,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 4 $ 530,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 4 $ 350,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 4 $ 990,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 4 $ 480,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 4 $ 690,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 4 $ 900,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 4 $ 780,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 699,135,000 3 $ 705,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 3 $ 925,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 3 $ 585,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 615,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 865,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 339,245,000 3 $ 65,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ 375,552,000 3 $ 525,000
The Mortgage Warehouse, LLC
13430 PARKER COMMONS BLVD SUITE 103
FORT MYERS, FL 33912
* $ -1,000 3 $ 805,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 3 $ 595,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 3 $ 855,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ 10,822,403,000 3 $ 815,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 393,296,000 3 $ 395,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 3 $ 515,000
First Harrison Bank
220 FEDERAL DR NW
CORYDON, IN 47112
* $ 1,151,118,000 2 $ 320,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,514,736,000 2 $ 330,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 410,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 540,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,895,919,000 2 $ 170,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 2 $ 540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 440,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 2 $ 450,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 190,000
Paramount Bank
90 VILLAGE SQUARE SHOPPING CENTER
HAZELWOOD, MO 63042
* $ 153,010,000 2 $ 590,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 2 $ 260,000
Ally Bank

CHARLOTTE, NC 28202
* $ 172,820,000,000 2 $ 410,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 16,244,199,000 2 $ 140,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 2 $ 550,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 85,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ 7,423,952,000 1 $ 495,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 95,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 295,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 42,392,285,000 1 $ 505,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 115,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ 251,923,000 1 $ 175,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 195,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,120,189,000 1 $ 405,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ 1,041,605,000 1 $ 245,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 1 $ 85,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 45,000
Georgia Banking Company
6190 POWERS FERRY ROAD, SUITE 150
ATLANTA, GA 30309
* $ 1,164,122,000 1 $ 35,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 555,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 185,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 265,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 245,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 135,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ -1,000 1 $ 195,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 345,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 175,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 265,000
Dieterich Bank
300 SUR WOODS DRIVE
EFFINGHAM, IL 62401
* $ 1,299,036,000 1 $ 145,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 145,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,072,223,000 1 $ 25,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 415,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 1 $ 175,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 3,890,954,000 1 $ 415,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 175,000
Residential Home Funding Corp.
707 WESTCHESTER AVENUE, SUITE 305
WHITE PLAINS, NY 10604
* $ -1,000 1 $ 175,000
Willamette Valley Bank
101 HIGH ST NE
SALEM, OR 97301
* $ 407,850,000 1 $ 265,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 265,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 225,000
Peoples Bank Mt Washington
P O BOX 95, 201 N BARDSTOWN ROAD
MT WASHINGTON, KY 40047
* $ 111,427,000 1 $ 185,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 165,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 154,830,000,000 1 $ 285,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 195,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 5,596,059,000 1 $ 15,000
Nbh Bank
7800 EAST ORCHARD ROAD, SUITE 300
GREENWOOD VILLAGE, CO 80011
* $ 7,187,889,000 1 $ 325,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 125,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ -1,000 1 $ 105,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 1 $ 115,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 205,000
Farmers & Stockmens Bank
22 MAPLE STREET
CLAYTON, NM 88415
* $ 560,163,000 1 $ 285,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 295,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 185,000
Draper and Kramer Mortgage Corp.
1431 OPUS PLACE SUITE 200
WILMINGTON, DE 60515
* $ -1,000 1 $ 245,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ -1,000 1 $ 115,000
Transcend Credit Union
3740 BARDSTOWN ROAD
LOUISVILLE, KY 40218
* $ 487,024,000 1 $ 245,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 215,000
Cake Mortgage Corp.
9200 OAKDALE AVE STE 501
CHATSWORTH, CA 91311
* $ -1,000 1 $ 225,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ -1,000 1 $ 115,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 435,000

The tables below break down 2022 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 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 795 $169,585,000 $213,000 $735,000 $89,000 $375,000
Cash-out Refinancing 391 $77,395,000 $197,000 $555,000 $88,000 $1,205,000
Refinancing 226 $37,480,000 $165,000 $1,715,000 $97,000 $1,022,000
Home Improvement 144 $12,170,000 $84,000 $435,000 $121,000 $1,968,000
Other Purpose 125 $9,995,000 $79,000 $555,000 $99,000 $665,000
Not Applicable 6 $720,000 $120,000 $195,000 $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 1,338 $234,990,000 $175,000 $1,715,000 $94,000 $1,968,000
Not Provided 141 $27,275,000 $193,000 $605,000 $93,000 $1,205,000
Not applicable 117 $26,415,000 $225,000 $735,000 $0 $0
Black or African American 35 $6,665,000 $190,000 $465,000 $82,000 $201,000
Hispanic 30 $6,850,000 $228,000 $425,000 $99,000 $259,000
American Indian or Alaskan Native 11 $2,045,000 $185,000 $355,000 $56,000 $100,000
Asian 10 $1,740,000 $174,000 $465,000 $104,000 $180,000
Native Hawaiian or Other Pacific Islander 2 $570,000 $285,000 $335,000 $90,000 $123,000

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) 1,093 $167,815,000 $153,000 $1,715,000 $97,000 $1,968,000
VA-guaranteed (Veterans Administration) 348 $94,950,000 $272,000 $615,000 $100,000 $260,000
FHA-insured (Federal Housing Administration) 232 $41,700,000 $179,000 $405,000 $69,000 $181,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $2,880,000 $205,000 $275,000 $68,000 $105,000

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 945 $171,455,000 $181,000 $1,715,000 $98,000 $1,038,000
Application Denied By Financial Institution 254 $37,390,000 $147,000 $525,000 $81,000 $1,968,000
Application Withdrawn By Applicant 206 $43,510,000 $211,000 $545,000 $92,000 $665,000
File Closed For Incompleteness 123 $21,095,000 $171,000 $425,000 $88,000 $1,205,000
Loan Purchased By The Institution 99 $24,855,000 $251,000 $555,000 $132,000 $271,000
Application Approved But Not Accepted 57 $8,635,000 $151,000 $465,000 $90,000 $208,000
Preapproval Approved but not Accepted 3 $405,000 $135,000 $205,000 $48,000 $53,000
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 1,229 $236,555,000 $192,000 $615,000 $95,000 $1,205,000
Debt-To-Income Ratio 278 $43,570,000 $156,000 $1,715,000 $89,000 $1,022,000
Credit History 92 $12,010,000 $130,000 $455,000 $107,000 $1,968,000
Collateral 33 $4,955,000 $150,000 $525,000 $79,000 $195,000
Credit Application Incomplete 21 $3,815,000 $181,000 $465,000 $81,000 $208,000
Other 17 $3,215,000 $189,000 $395,000 $76,000 $165,000
Unverifiable Information 12 $2,310,000 $192,000 $355,000 $69,000 $142,000
Insufficient Cash (Downpayment, Closing Cost) 3 $655,000 $218,000 $295,000 $75,000 $98,000
Employment History 2 $260,000 $130,000 $155,000 $54,000 $96,000
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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