Muhlenberg County, KY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,133 mortgage applications in Muhlenberg County, KY totaling $142.4 million, down 15% from 2021. The average application was for $125,000, and applicants reported an average income of $75,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was First Southern National Bank, with 151 applications, followed by Farmers Bank and Trust Company and Old National 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 | 1,133 |
| Total Mortgage Loan Application Amount | $142,385,000 |
| Average Mortgage Loan Application Amount | $125,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $694,000 |
* 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 |
|---|---|---|---|---|
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 1,180,778,000 | 151 | $ 14,115,000 |
| Farmers Bank and Trust Company 201 SOUTH MAIN STREET MARION, KY 42064 |
* | $ 497,372,000 | 107 | $ 14,775,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 94 | $ 9,420,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 91 | $ 11,275,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 37 | $ 4,695,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 35 | $ 4,755,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 29 | $ 2,675,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 28 | $ 3,120,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 24 | $ 5,500,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 22 | $ 3,410,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 19 | $ 2,675,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 18 | $ 1,570,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 18 | $ 2,350,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 16 | $ 2,220,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 15 | $ 995,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 13 | $ 975,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 12 | $ 1,600,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 12 | $ 1,520,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 11 | $ 1,405,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 11 | $ 1,215,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 10 | $ 1,040,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 1,470,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 1,420,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 9 | $ 375,000 |
| Sacramento Deposit Bank P.O. BOX 228 SACRAMENTO, KY 42372 |
* | $ 133,794,000 | 9 | $ 815,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 9 | $ 1,715,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 9 | $ 1,185,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 9 | $ 955,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 8 | $ 1,280,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 8 | $ 1,260,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 7 | $ 1,155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 7 | $ 1,135,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 7 | $ 1,045,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 6 | $ 1,150,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,060,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 6 | $ 1,880,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 6 | $ 600,000 |
| Morgantown Bank & Trust Co Inc PO BOX 68 MORGANTOWN, KY 42261 |
* | $ 257,667,000 | 5 | $ 755,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 3,237,305,000 | 5 | $ 665,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 5 | $ 415,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,895,919,000 | 5 | $ 245,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 5 | $ 825,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 885,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 5 | $ 665,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 5 | $ 495,000 |
| First United Bank & Trust Company 162 N MAIN ST MADISONVILLE, KY 42431 |
* | $ 490,494,000 | 5 | $ 325,000 |
| Sofi Lending Corp. 375 HEALDSBURG AVENUE, SUITE 280 SACRAMENTO, CA 95448 |
* | $ -1,000 | 4 | $ 940,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 4 | $ 180,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 4 | $ 340,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 4 | $ 510,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 310,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 3 | $ 115,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 3 | $ 905,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 305,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 435,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 3 | $ 565,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 3 | $ 595,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 375,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 2 | $ 100,000 |
| The Farmers Bank P. O. BOX 10, 120 VILLAGE DRIVE PORTLAND, TN 37148 |
* | $ 865,802,000 | 2 | $ 500,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 210,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 320,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 190,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 2 | $ 420,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 2 | $ 410,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 140,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 620,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 6,088,183,000 | 2 | $ 200,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 2 | $ 320,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 350,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 2 | $ 310,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 580,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 510,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 2 | $ 150,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 2 | $ 290,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 2 | $ 230,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 2 | $ 430,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 340,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 2 | $ 240,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 450,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 180,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 2 | $ 380,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 220,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 2 | $ 110,000 |
| United Southern Bank PO BOX 951 HOPKINSVILLE, KY 42241 |
* | $ 280,977,000 | 2 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 220,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 154,617,469,000 | 1 | $ 65,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 275,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 155,000 |
| Colten Mortgage, LLC 6021 S SYRACUSE WAY STE 104 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 135,000 |
| First Commonwealth Bank PO BOX 400 INDIANA, PA 15701 |
* | $ 9,521,721,000 | 1 | $ 25,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 175,000 |
| American Bank & Trust Company Inc. 1302 SCOTTSVILLE ROAD BOWLING GREEN, KY 42102 |
* | $ 614,390,000 | 1 | $ 45,000 |
| Peoples Bank PO BOX 7 MENDENHALL, MS 39114 |
* | $ 431,628,000 | 1 | $ 145,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 265,000 |
| Fortera Federal Credit Union 2050 LOWES DRIVE CLARKSVILLE, TN 37040 |
* | $ 715,451,000 | 1 | $ 55,000 |
| Transportation Federal Credit Union 1600 CAMERON STREET ALEXANDRIA, VA 22314 |
* | $ 288,660,000 | 1 | $ 35,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 135,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 1 | $ 55,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 15,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 6,639,234,000 | 1 | $ 95,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 175,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 155,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ 1,416,938,000 | 1 | $ 125,000 |
| Mortgage Masters of Indiana Inc 501 N CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ -1,000 | 1 | $ 335,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 5,045,573,000 | 1 | $ 255,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ -1,000 | 1 | $ 155,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 65,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 455,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,407,879,000 | 1 | $ 65,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 195,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 85,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 1,252,099,000 | 1 | $ 55,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 175,000 |
| Keller Mortgage, LLC AUSTIN, TX 78746 |
* | $ -1,000 | 1 | $ 65,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 75,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ 732,216,000 | 1 | $ 35,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 95,000 |
| The Fisher National Bank 1710 S NEIL ST SUITE 3 FISHER, IL 61843 |
* | $ 200,333,000 | 1 | $ 115,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 155,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,810,411,000 | 1 | $ 185,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,591,396,000 | 1 | $ 65,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 1 | $ 35,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 1 | $ 155,000 |
| First Federal Savings Bank PO BOX 1111 EVANSVILLE, IN 47706 |
* | $ 482,575,000 | 1 | $ 465,000 |
The tables below break down 2022 mortgage applications in Muhlenberg 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 Muhlenberg 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 | 628 | $86,090,000 | $137,000 | $685,000 | $73,000 | $650,000 |
| Refinancing | 249 | $31,805,000 | $127,000 | $485,000 | $83,000 | $268,000 |
| Cash-out Refinancing | 134 | $18,560,000 | $138,000 | $455,000 | $65,000 | $694,000 |
| Other Purpose | 65 | $3,315,000 | $51,000 | $225,000 | $81,000 | $665,000 |
| Home Improvement | 48 | $1,950,000 | $40,000 | $255,000 | $83,000 | $282,000 |
| Not Applicable | 9 | $665,000 | $73,000 | $125,000 | $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 | 933 | $116,205,000 | $124,000 | $665,000 | $75,000 | $694,000 |
| Not applicable | 93 | $13,395,000 | $144,000 | $685,000 | $154,000 | $422,000 |
| Not Provided | 66 | $8,090,000 | $122,000 | $375,000 | $82,000 | $665,000 |
| Black or African American | 19 | $2,155,000 | $113,000 | $325,000 | $67,000 | $180,000 |
| Hispanic | 13 | $1,585,000 | $121,000 | $295,000 | $61,000 | $110,000 |
| Asian | 4 | $250,000 | $62,000 | $65,000 | $55,000 | $77,000 |
| American Indian or Alaskan Native | 3 | $305,000 | $101,000 | $165,000 | $59,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $33,000 | $33,000 |
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) | 824 | $96,840,000 | $117,000 | $685,000 | $81,000 | $694,000 |
| FHA-insured (Federal Housing Administration) | 165 | $22,045,000 | $133,000 | $335,000 | $54,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 81 | $16,255,000 | $200,000 | $455,000 | $68,000 | $225,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 63 | $7,245,000 | $115,000 | $215,000 | $49,000 | $84,000 |
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 | 609 | $75,675,000 | $124,000 | $685,000 | $79,000 | $650,000 |
| Application Denied By Financial Institution | 231 | $26,555,000 | $114,000 | $485,000 | $64,000 | $665,000 |
| Application Withdrawn By Applicant | 116 | $15,500,000 | $133,000 | $405,000 | $67,000 | $261,000 |
| File Closed For Incompleteness | 73 | $8,785,000 | $120,000 | $325,000 | $76,000 | $694,000 |
| Loan Purchased By The Institution | 71 | $10,695,000 | $150,000 | $505,000 | $127,000 | $422,000 |
| Application Approved But Not Accepted | 27 | $4,415,000 | $163,000 | $665,000 | $81,000 | $213,000 |
| Preapproval Approved but not Accepted | 6 | $760,000 | $126,000 | $155,000 | $82,000 | $189,000 |
| 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 | 779 | $99,745,000 | $128,000 | $685,000 | $77,000 | $694,000 |
| Debt-To-Income Ratio | 167 | $21,975,000 | $131,000 | $485,000 | $71,000 | $262,000 |
| Credit History | 119 | $13,115,000 | $110,000 | $485,000 | $74,000 | $665,000 |
| Collateral | 31 | $3,255,000 | $105,000 | $255,000 | $70,000 | $282,000 |
| Credit Application Incomplete | 11 | $985,000 | $89,000 | $165,000 | $36,000 | $64,000 |
| Other | 10 | $940,000 | $94,000 | $185,000 | $68,000 | $135,000 |
| Unverifiable Information | 10 | $1,300,000 | $130,000 | $265,000 | $64,000 | $165,000 |
| Employment History | 3 | $505,000 | $168,000 | $255,000 | $36,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $565,000 | $188,000 | $365,000 | $89,000 | $143,000 |
| 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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