Mercer County, KY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 1,056 mortgage applications in Mercer County, KY totaling $176.9 million, down 15% from 2022. The average application was for $167,000, and applicants reported an average income of $106,000. 54% of applications resulted in an originated loan and 17% were denied. The most active lender was Whitaker Bank Inc, with 87 applications, followed by Commonwealth Federal Credit Union and First Financial 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 | 1,056 |
| Total Mortgage Loan Application Amount | $176,910,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $2,115,000 |
| Average Applicant Income | $106,000 |
| Highest Applicant Income | $6,013,000 |
* 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 |
|---|---|---|---|---|
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 2,018,525,000 | 87 | $ 13,525,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 2,031,410,000 | 75 | $ 6,295,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,915,645,000 | 53 | $ 5,615,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 45 | $ 6,205,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 36 | $ 5,190,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 35 | $ 5,905,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 27 | $ 5,345,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 1,409,134,000 | 27 | $ 2,045,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 26 | $ 5,200,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 25 | $ 4,485,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 24 | $ 2,880,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 23 | $ 5,605,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 22 | $ 5,610,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 17 | $ 3,235,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 2,104,193,000 | 16 | $ 2,050,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 15 | $ 1,905,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 15 | $ 1,755,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 14 | $ 3,220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 2,220,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 14 | $ 3,780,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 12 | $ 1,770,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 12 | $ 2,590,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 11 | $ 1,385,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 2,335,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 10 | $ 3,300,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 1,156,139,000 | 10 | $ 1,950,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 10 | $ 1,330,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 10 | $ 570,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 10 | $ 2,120,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,894,686,000 | 10 | $ 1,280,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 10 | $ 2,290,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 9 | $ 785,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 1,535,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 9 | $ 2,055,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 3,821,266,000 | 8 | $ 1,840,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 8 | $ 1,350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 7 | $ 1,535,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 7 | $ 1,195,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,795,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 441,843,000 | 6 | $ 1,710,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 1,060,078,000 | 6 | $ 970,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 6 | $ 1,070,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,380,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 6 | $ 1,190,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 7,488,838,000 | 6 | $ 760,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 5 | $ 575,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 5 | $ 965,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 5 | $ 1,695,000 |
| Central Kentucky Agricultural 640 S BROADWAY LEXINGTON, KY 40544 |
* | $ -1,000 | 5 | $ 225,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 1,095,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 4 | $ 770,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 590,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 4 | $ 1,020,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 509,066,000 | 4 | $ 390,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 2,145,608,000 | 4 | $ 340,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 4 | $ 80,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 4 | $ 840,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 4 | $ 1,390,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 4 | $ 930,000 |
| Farmers Bank 200 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 230,631,000 | 4 | $ 980,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 4 | $ 640,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 3 | $ 1,025,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 415,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 525,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,995,485,000 | 3 | $ 555,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 1,166,483,000 | 3 | $ 425,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 3 | $ 525,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 725,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 5,825,549,000 | 2 | $ 500,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 2 | $ 460,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 2 | $ 600,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 523,769,000 | 2 | $ 400,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 390,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 2 | $ 860,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 2 | $ 730,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 250,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 2 | $ 490,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 490,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 350,000 |
| Transcend Credit Union 3740 BARDSTOWN ROAD LOUISVILLE, KY 40218 |
* | $ 510,121,000 | 2 | $ 230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 330,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 8,408,012,000 | 2 | $ 700,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 220,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,213,677,000 | 1 | $ 165,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 1 | $ 75,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 1 | $ 65,000 |
| Western Ohio Mortgage Corp 733 FAIR RD SIDNEY, OH 45365 |
* | $ -1,000 | 1 | $ 195,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 1 | $ 65,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 205,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 305,000 |
| Citizens Commerce Bank 160 BOVET ROAD, SUITE #400 VERSAILLES, KY 94402 |
* | $ 336,115,000 | 1 | $ 385,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 185,000 |
| Florida Capital Bank, N.A 10151 DEERWOOD PARK BLVD. BLDG. 100 #200 JACKSONVILLE, FL 32256 |
* | $ 444,412,000 | 1 | $ 155,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 245,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 365,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,734,843,000 | 1 | $ 185,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 95,000 |
| Servbank, N.A. 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 389,402,000 | 1 | $ 225,000 |
| Real Genius LLC 1625 S CONGRESS AVE STE 190 DELRAY BEACH, FL 33445 |
* | $ -1,000 | 1 | $ 145,000 |
| Total Mortgage Services, LLC 185 PLAINS ROAD MILFORD, CT 06461 |
* | $ -1,000 | 1 | $ 145,000 |
| The Mortgage Warehouse, LLC 13430 PARKER COMMONS BLVD SUITE 103 FORT MYERS, FL 33912 |
* | $ -1,000 | 1 | $ 185,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 435,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 398,189,000 | 1 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 155,000 |
| Mercantile Bank 310 LEONARD STREET NORTH WEST GRAND RAPIDS, MI 49504 |
* | $ 4,853,001,000 | 1 | $ 295,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ 358,992,000 | 1 | $ 175,000 |
| United Community Bank 104 N MACOUPIN CHATHAM, IL 62629 |
* | $ 3,460,034,000 | 1 | $ 395,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 135,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 205,000 |
| Sage Home Loans Corporation 1423 RED VENTURES DRIVE SUITE 201 FORT MILL, SC 29707 |
* | $ -1,000 | 1 | $ 325,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 115,000 |
| University Credit Union 1500 S. SEPULVEDA BLVD. LOS ANGELES, CA 90025 |
* | $ 1,226,016,000 | 1 | $ 95,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 655,000 |
| The Health and Education Federal Credit Union 185 PASADENA DR #155 LEXINGTON, KY 40511 |
* | $ 117,278,000 | 1 | $ 45,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 295,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 25,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 155,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,054,618,000 | 1 | $ 185,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 255,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 1 | $ 195,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 355,000 |
| Cornerstone Capital Bank, SSB 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 1,991,593,000 | 1 | $ 115,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 135,000 |
| Pinnacle Bank 150 3RD AVE SOUTH NASHVILLE, TN 37203 |
* | $ 41,842,515,000 | 1 | $ 185,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 455,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 105,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 575,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 3,469,556,000 | 1 | $ 55,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 546,228,000,000 | 1 | $ 65,000 |
| Franklin Loan Corporation 44800 VILLAGE COURT PALM DESERT, CA 92260 |
* | $ -1,000 | 1 | $ 565,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 225,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,501,392,000 | 1 | $ 85,000 |
| United Cumberland Bank 47 S. MAIN STREET WHITLEY CITY, KY 42653 |
* | $ 375,602,000 | 1 | $ 215,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 395,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 115,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2023 mortgage applications in Mercer 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 Mercer County, KY in 2023
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 | 600 | $126,500,000 | $210,000 | $2,115,000 | $98,000 | $962,000 |
| Cash-out Refinancing | 140 | $21,640,000 | $154,000 | $455,000 | $77,000 | $325,000 |
| Home Improvement | 126 | $8,580,000 | $68,000 | $355,000 | $93,000 | $551,000 |
| Refinancing | 94 | $13,140,000 | $139,000 | $465,000 | $232,000 | $6,013,000 |
| Other Purpose | 93 | $6,825,000 | $73,000 | $305,000 | $94,000 | $1,547,000 |
| Not Applicable | 3 | $225,000 | $75,000 | $85,000 | $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 | 852 | $133,540,000 | $156,000 | $825,000 | $109,000 | $6,013,000 |
| Not applicable | 102 | $24,850,000 | $243,000 | $2,115,000 | $62,000 | $62,000 |
| Not Provided | 67 | $12,635,000 | $188,000 | $575,000 | $82,000 | $229,000 |
| Hispanic | 18 | $3,760,000 | $208,000 | $455,000 | $87,000 | $200,000 |
| Black or African American | 14 | $1,920,000 | $137,000 | $555,000 | $73,000 | $206,000 |
| American Indian or Alaskan Native | 2 | $150,000 | $75,000 | $135,000 | $48,000 | $59,000 |
| 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) | 726 | $105,980,000 | $145,000 | $2,115,000 | $118,000 | $6,013,000 |
| FHA-insured (Federal Housing Administration) | 203 | $40,075,000 | $197,000 | $485,000 | $73,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 91 | $24,315,000 | $267,000 | $695,000 | $86,000 | $277,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $6,540,000 | $181,000 | $255,000 | $68,000 | $130,000 |
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 | 575 | $95,885,000 | $166,000 | $2,115,000 | $123,000 | $6,013,000 |
| Application Denied By Financial Institution | 178 | $21,670,000 | $121,000 | $485,000 | $66,000 | $234,000 |
| Application Withdrawn By Applicant | 127 | $25,665,000 | $202,000 | $695,000 | $107,000 | $792,000 |
| Loan Purchased By The Institution | 93 | $21,975,000 | $236,000 | $655,000 | $81,000 | $135,000 |
| File Closed For Incompleteness | 51 | $6,485,000 | $127,000 | $575,000 | $70,000 | $325,000 |
| Application Approved But Not Accepted | 31 | $5,055,000 | $163,000 | $435,000 | $111,000 | $394,000 |
| Preapproval Denied by Financial Institution | 1 | $175,000 | $175,000 | $175,000 | $100,000 | $100,000 |
| Preapproval Approved but not Accepted | 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 | 825 | $148,745,000 | $180,000 | $2,115,000 | $112,000 | $6,013,000 |
| Debt-To-Income Ratio | 112 | $13,130,000 | $117,000 | $505,000 | $105,000 | $1,547,000 |
| Credit History | 61 | $7,025,000 | $115,000 | $485,000 | $70,000 | $234,000 |
| Collateral | 19 | $2,685,000 | $141,000 | $435,000 | $91,000 | $204,000 |
| Other | 13 | $1,475,000 | $113,000 | $215,000 | $58,000 | $130,000 |
| Credit Application Incomplete | 9 | $1,225,000 | $136,000 | $235,000 | $72,000 | $126,000 |
| Unverifiable Information | 8 | $1,610,000 | $201,000 | $365,000 | $63,000 | $118,000 |
| Employment History | 5 | $425,000 | $85,000 | $195,000 | $118,000 | $196,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $590,000 | $147,000 | $215,000 | $66,000 | $92,000 |
| 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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