Nelson County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 2,610 mortgage applications in Nelson County, KY totaling $314.5 million, down 10% from 2010. The average application was for $120,000, and applicants reported an average income of $53,000. 46% of applications resulted in an originated loan and 14% were denied. The most active lender was Wells Fargo Bank NA, with 198 applications, followed by JPMorgan Chase Bank, NA and Bank of America NA.

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Total Number of Mortgage Applications 2,610
Total Mortgage Loan Application Amount $314,506,000
Average Mortgage Loan Application Amount $120,000
Highest Mortgage Loan Application Amount $895,000
Average Applicant Income $53,000
Highest Applicant Income $677,000

Mortgage Company List for Lending in Nelson County, KY for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 198 $ 28,005,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 187 $ 20,425,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 180 $ 24,636,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 403,959,000 140 $ 12,947,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 104 $ 13,983,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 103 $ 14,992,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 102 $ 13,851,000
Kentucky Home Bank
940 BLOOMFIELD RD.
BARDSTOWN, KY 40004
* $ 98,388,000 99 $ 7,786,000
Town & Country Bank and Trust Co.
PO BOX 305
BARDSTOWN, KY 40004
* $ 432,581,000 94 $ 8,488,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,319,293,000 84 $ 7,548,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 930,431,000 84 $ 9,699,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 68 $ 6,918,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 67 $ 7,796,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 65 $ 9,287,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 56 $ 7,062,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 53 $ 7,157,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 49 $ 3,731,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 44 $ 4,758,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 39 $ 5,132,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 29 $ 4,844,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,524,028,000 26 $ 3,613,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 628,498,000 25 $ 3,065,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 24 $ 2,749,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 23 $ 3,216,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 22 $ 2,323,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 21 $ 3,873,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 21 $ 2,733,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 21 $ 2,882,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 20 $ 2,461,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 20 $ 1,093,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 18 $ 2,900,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 18 $ 2,745,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 16 $ 2,062,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 14 $ 2,568,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 14 $ 1,224,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 14 $ 2,163,000
The Peoples Bank
23 WEST MAIN ST
TAYLORSVILLE, KY 40071
* $ 104,053,000 14 $ 1,946,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 13 $ 1,516,000
King Southern Bank
911 BLANKENBAKER PKWY
LOUISVILLE, KY 40243
* $ 174,031,000 12 $ 643,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 11 $ 1,944,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 146,587,000 10 $ 1,220,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 10 $ 633,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 10 $ 1,621,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 137,130,000 10 $ 1,328,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 9 $ 1,253,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 9 $ 1,309,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 8 $ 582,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 8 $ 910,000
Your Community Bank
101 W MAIN ST
NEW ALBANY, IN 47150
* $ 665,330,000 8 $ 636,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 661,119,000 8 $ 891,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 464,723,000 7 $ 902,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 1,891,557,000 7 $ 961,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 818,355,000 7 $ 915,000
The Peoples Bk of Bullitt Cty
P.O. BOX 247
SHEPHERDSVILLE, KY 40165
* $ 218,911,000 7 $ 33,000
Peoples Bank Mt Washington
P O BOX 95, 201 N BARDSTOWN ROAD
MT WASHINGTON, KY 40047
* $ 86,281,000 7 $ 737,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 7 $ 958,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 7 $ 776,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 6 $ 650,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 614,260,000 6 $ 800,000
Kentucky Neighborhood Bank, in
1000 N. DIXIE AVE.
ELIZABETHTOWN, KY 42701
* $ 115,288,000 5 $ 793,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 5 $ 668,000
CU Channels
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 505,929,000 5 $ 491,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 5 $ 213,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 5 $ 990,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 5 $ 904,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 5 $ 765,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 5 $ 587,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 5 $ 672,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 5 $ 727,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 4 $ 861,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 4 $ 690,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 4 $ 298,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 4 $ 603,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 4 $ 552,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 4 $ 630,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 470,804,000 3 $ 302,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,856,646,000,000 3 $ 110,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 3 $ 243,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 3 $ 261,000
First Capital Bank of Kentucky
293 NORTH HUBBARDS LANE
LOUISVILLE, KY 40207
* $ 435,240,000 3 $ 391,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 3 $ 333,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 3 $ 177,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 3 $ 529,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 7,121,605,000 3 $ 294,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 345,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 3 $ 296,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 3 $ 129,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 226,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 2 $ 215,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 2 $ 222,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 175,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 2 $ 252,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 54,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 262,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 421,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 128,847,000 2 $ 102,000
South Central Bank of Hardin
2908 RING ROAD
ELIZABETHTOWN, KY 42702
* $ 78,113,000 2 $ 124,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ 261,715,000 2 $ 261,000
Class Act Federal Credit Union
3620 FERN VALLEY RD
LOUISVILLE, KY 40219
* $ 142,951,000 2 $ 237,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 2 $ 240,000
Kemba Louisville Credit Union
4017 POPLAR LEVEL ROAD
LOUISVILLE, KY 40213
* $ 40,435,000 2 $ 53,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 2 $ 199,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,051,060,000 2 $ 182,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 2 $ 142,000
First Citizens Bank
425 WEST DIXIE AVENUE
ELIZABETHTOWN, KY 42701
* $ 296,131,000 2 $ 119,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 2 $ 281,000
Home Savings of America
35 E BROADWAY
LITTLE FALLS, MN 56345
* $ 457,501,000 2 $ 185,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 2 $ 50,000
Bank of Buffalo
2375 LINCOLN FARM RD
HODGENVILLE, KY 42748
* $ 67,003,000 1 $ 194,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 318,387,000 1 $ 236,000
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ 411,946,000 1 $ 238,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 8,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 133,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 1 $ 312,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 1 $ 54,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 100,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 84,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 427,083,000 1 $ 238,000
Independence Bank
13100 NORTHWEST FREEWAY SUITE 100
HOUSTON, TX 77040
* $ 167,069,000 1 $ 108,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 108,000
First Harrison Bank
220 FEDERAL DRIVE
CORYDON, IN 47112
* $ 452,515,000 1 $ 74,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 1 $ 251,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 3,942,789,000 1 $ 20,000
Share Plus Federal Bank
5224 W. PLANO PARKWAY
PLANO, TX 75093
* $ 238,874,000 1 $ 5,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 2,335,049,000 1 $ 103,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,514,287,000 1 $ 108,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 339,118,000 1 $ 12,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 283,342,000 1 $ 80,000
Meade County Bank
PO BOX 278
BRANDENBURG, KY 40108
* $ 135,966,000 1 $ 182,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 416,689,000 1 $ 167,000
Town Center Bank
1938 E. LINCOLN HIGHWAY #101
NEW LENOX, IL 60451
* $ 141,350,000 1 $ 27,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 1 $ 147,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 165,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 104,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ 115,146,000 1 $ 119,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 91,323,000 1 $ 33,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 1 $ 500,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 130,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 107,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 175,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 144,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 108,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 655,223,000 1 $ 100,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 110,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 1 $ 161,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ 10,000,000 1 $ 219,000
R.H. Lending, Inc.
6209 COLLEYVILLE BLVD.
COLLEYVILLE, TX 76034
* $ 10,000,000 1 $ 143,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 229,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 180,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 53,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 179,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 1 $ 163,000

The tables below break down 2011 mortgage applications in Nelson 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 Nelson County, KY in 2011

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
Refinancing 1,662 $207,386,000 $124,000 $570,000 $55,000 $677,000
Home Purchase 824 $102,069,000 $123,000 $895,000 $51,000 $335,000
Home Improvement 124 $5,051,000 $40,000 $187,000 $56,000 $170,000

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 1,981 $235,881,000 $119,000 $570,000 $59,000 $677,000
Not applicable 345 $46,880,000 $135,000 $895,000 $22,000 $329,000
Not Provided 210 $24,762,000 $117,000 $400,000 $52,000 $187,000
Black or African American 45 $4,004,000 $88,000 $247,000 $62,000 $169,000
American Indian or Alaskan Native 12 $1,101,000 $91,000 $202,000 $95,000 $178,000
Hispanic 11 $847,000 $77,000 $165,000 $39,000 $83,000
Asian 4 $939,000 $234,000 $376,000 $67,000 $91,000
Native Hawaiian or Other Pacific Islander 2 $92,000 $46,000 $47,000 $80,000 $140,000

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) 1,764 $205,111,000 $116,000 $895,000 $58,000 $677,000
FHA-insured (Federal Housing Administration) 549 $69,595,000 $126,000 $296,000 $46,000 $600,000
VA-guaranteed (Veterans Administration) 152 $24,064,000 $158,000 $363,000 $47,000 $188,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 145 $15,736,000 $108,000 $238,000 $36,000 $75,000

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 1,212 $137,170,000 $113,000 $895,000 $59,000 $553,000
Loan Purchased By The Institution 653 $90,148,000 $138,000 $417,000 $43,000 $553,000
Application Denied By Financial Institution 374 $40,719,000 $108,000 $570,000 $50,000 $677,000
Application Withdrawn By Applicant 232 $30,771,000 $132,000 $417,000 $59,000 $600,000
Application Approved But Not Accepted 82 $9,296,000 $113,000 $294,000 $55,000 $213,000
File Closed For Incompleteness 57 $6,402,000 $112,000 $260,000 $58,000 $187,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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
Credit History 75 $6,696,000 $89,000 $323,000 $46,000 $137,000
Debt-To-Income Ratio 49 $5,430,000 $110,000 $376,000 $43,000 $137,000
Collateral 49 $6,137,000 $125,000 $353,000 $61,000 $188,000
Credit Application Incomplete 34 $4,077,000 $119,000 $224,000 $47,000 $144,000
Other 27 $3,743,000 $138,000 $339,000 $76,000 $350,000
Insufficient Cash (Downpayment, Closing Cost) 8 $1,338,000 $167,000 $570,000 $67,000 $169,000
Employment History 3 $207,000 $69,000 $94,000 $55,000 $83,000
Mortgage Insurance Denied 2 $286,000 $143,000 $145,000 $54,000 $75,000
Unverifiable Information 2 $194,000 $97,000 $144,000 $39,000 $45,000

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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