Nicholas County, KY Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 511 mortgage applications in Nicholas County, KY totaling $34.2 million. The average application was for $66,000, and applicants reported an average income of $43,000. 44% of applications resulted in an originated loan and 27% were denied. The most active lender was Whitaker Bank NA, with 57 applications, followed by Countrywide Home Loans and Kentucky 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 | 511 |
| Total Mortgage Loan Application Amount | $34,173,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $298,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $334,000 |
* 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 NA PO BOX 55439 LEXINGTON, KY 40555 |
* | $ 544,875,000 | 57 | $ 1,722,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 30 | $ 2,264,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 418,603,000 | 24 | $ 1,649,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 19 | $ 1,203,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,479,610,000 | 18 | $ 1,197,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 17 | $ 1,368,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 16 | $ 1,084,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 47,877,769,000 | 16 | $ 1,673,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 15 | $ 1,612,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 557,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 14 | $ 860,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 13 | $ 1,078,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 13 | $ 692,000 |
| Citizens Bank 120 NORTH HAMILTON STREET GEORGETOWN, KY 40324 |
* | $ 84,406,000 | 13 | $ 433,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 11 | $ 1,130,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 727,337,000,000 | 10 | $ 589,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 7 | $ 346,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 25,145,204,000 | 7 | $ 88,000 |
| Keybank USA, N.A. 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 8,943,095,000 | 7 | $ 86,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 6 | $ 533,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 6 | $ 291,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 176,049,792,000 | 6 | $ 412,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 43,721,511,000 | 6 | $ 280,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 2,437,029,000 | 5 | $ 231,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 5 | $ 320,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 482,603,000 | 4 | $ 480,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 4 | $ 284,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 59,635,661,000 | 4 | $ 126,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 4 | $ 229,000 |
| Citifinancial Mortgage Company 1111 NORTHPOINT DRIVE COPPELL, TX 75019 |
* | $ 1,097,190,000,000 | 4 | $ 318,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 537,961,000 | 4 | $ 216,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 4 | $ 161,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 3 | $ 99,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 3 | $ 191,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 167,000 |
| Members Heritage FCU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 170,805,000 | 3 | $ 108,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 306,000 |
| Mortgage Company of America,Ll 2416 21ST AVE. SOUTH, SUITE 202 NASHVILLE, TN 37212 |
* | $ 10,000,000 | 3 | $ 582,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 177,712,000 | 3 | $ 258,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,074,052,000 | 3 | $ 126,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 3 | $ 534,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 2 | $ 155,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,160,559,000 | 2 | $ 131,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 2 | $ 137,000 |
| Trustcorp Mortgage Company 100 NORTH MICHIGAN ST., SUITE 800 SOUTH BEND, IN 46601 |
* | $ 31,000,000 | 2 | $ 98,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 2 | $ 187,000 |
| SWBC Mortgage Corporation 12950 COUNTRY PARKWAY, STE. 150 SAN ANTONIO, TX 78216 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 2 | $ 180,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 2 | $ 175,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 2 | $ 200,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 288,000 |
| Paragon Home Lending, LLC 19435 W. CAPITOL DRIVE, SUITE 201 BROOKFIELD, WI 53045 |
* | $ 10,000,000 | 2 | $ 117,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 167,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 121,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 339,575,000 | 2 | $ 275,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 2 | $ 155,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 2 | $ 211,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 13,961,613,000 | 2 | $ 151,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 252,976,000 | 2 | $ 160,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 992,316,000 | 2 | $ 161,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 101,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 117,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,849,140,000 | 2 | $ 96,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 2 | $ 82,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 90,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 77,000 |
| First Security Bank of Lexingt 318 EAST MAIN STREET LEXINGTON, KY 40507 |
* | $ 231,064,000 | 1 | $ 3,000 |
| First Bank 11901 OLIVE BOULEVARD SAINT LOUIS, MO 63141 |
* | $ 4,164,526,000 | 1 | $ 51,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 6,363,082,000 | 1 | $ 107,000 |
| Gateway Funding Dms, LP 300 WELSH ROAD, BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 1 | $ 144,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 1 | $ 75,000 |
| Homeland Capital Mortgage 600 E CARMEL DR, SUITE 110 CARMEL, IN 46033 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Home Equity of America 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 25,145,204,000 | 1 | $ 145,000 |
| Merrill Lynch Credit Corp. 4802 DEER LAKE DRIVE EAST BLDG 3 JACKSONVILLE, FL 32246 |
* | $ 31,000,000 | 1 | $ 205,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 1 | $ 34,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 1 | $ 67,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,911,223,000 | 1 | $ 100,000 |
| Choice Capital Funding Inc. 223 ROSWELL STREET SUITE 100 ALPHARETTA, GA 30004 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Citimortgage, Inc 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 281,018,000,000 | 1 | $ 58,000 |
| Citizens Bank 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 5,119,317,000 | 1 | $ 131,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 1 | $ 45,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 128,000 |
| Bank of the Bluegrass and Trust Company 101 EAST HIGH STREET LEXINGTON, KY 40507 |
* | $ 138,750,000 | 1 | $ 37,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 104,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Amerus Home Lending, Inc 4121 NW URBANDALE DRIVE URBANDALE, IA 50322 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 12,811,549,000 | 1 | $ 103,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Avizen Lending Solutions 8441 WAZATA BLVD GOLDEN VALLEY, MN 55426 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Home Loans 17991 COWAN IRVINE, CA 92614 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Aegis Funding Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 20,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 1 | $ 145,000 |
| Service First Mortgage, L.C. 4171 W. HILLSBORO BLVD. STE 10 COCONUT CREEK, FL 33073 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 144,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 4,586,886,000 | 1 | $ 115,000 |
| Prime Mortgage USA Inc 1811 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46202 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 1 | $ 25,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 107,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 27,399,278,000 | 1 | $ 108,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 151,703,000 | 1 | $ 20,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 54,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 56,000 |
| Winchester Federal Bank 57 SOUTH MAIN STREET WINCHESTER, KY 40391 |
* | $ 94,635,000 | 1 | $ 110,000 |
The tables below break down 2003 mortgage applications in Nicholas 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 Nicholas County, KY in 2003
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 (home purchase or home improvement, one-to-four family) | 338 | $25,886,000 | $76,000 | $298,000 | $45,000 | $187,000 |
| Home Purchase (one-to-four family) | 114 | $7,156,000 | $62,000 | $160,000 | $37,000 | $113,000 |
| Home Improvement (one-to-four family) | 59 | $1,131,000 | $19,000 | $152,000 | $46,000 | $334,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 380 | $23,636,000 | $62,000 | $252,000 | $46,000 | $334,000 |
| Information not provided by applicant in mail or telephone application | 89 | $7,730,000 | $86,000 | $221,000 | $42,000 | $187,000 |
| Not applicable | 27 | $1,634,000 | $60,000 | $152,000 | $0 | $0 |
| Other | 7 | $522,000 | $74,000 | $116,000 | $47,000 | $97,000 |
| Black | 5 | $282,000 | $56,000 | $82,000 | $31,000 | $44,000 |
| American Indian or Alaskan Native | 2 | $71,000 | $35,000 | $57,000 | $26,000 | $31,000 |
| Asian or Pacific Islander | 1 | $298,000 | $298,000 | $298,000 | $153,000 | $153,000 |
| Hispanic | 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) | 483 | $32,092,000 | $66,000 | $298,000 | $44,000 | $334,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,030,000 | $68,000 | $108,000 | $32,000 | $64,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $945,000 | $85,000 | $160,000 | $31,000 | $60,000 |
| VA-guaranteed (Veterans Administration) | 2 | $106,000 | $53,000 | $53,000 | $21,000 | $43,000 |
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 | 224 | $13,967,000 | $62,000 | $298,000 | $48,000 | $187,000 |
| Application Denied By Financial Institution | 138 | $9,437,000 | $68,000 | $252,000 | $45,000 | $334,000 |
| Application Withdrawn By Applicant | 67 | $5,426,000 | $80,000 | $213,000 | $47,000 | $137,000 |
| Loan Purchased By The Institution | 36 | $2,361,000 | $65,000 | $152,000 | $10,000 | $72,000 |
| Application Approved But Not Accepted | 35 | $2,265,000 | $64,000 | $145,000 | $40,000 | $77,000 |
| File Closed For Incompleteness | 11 | $717,000 | $65,000 | $127,000 | $45,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 39 | $2,394,000 | $61,000 | $210,000 | $50,000 | $334,000 |
| Other | 14 | $1,162,000 | $83,000 | $225,000 | $42,000 | $62,000 |
| Collateral | 13 | $977,000 | $75,000 | $221,000 | $47,000 | $84,000 |
| Credit Application Incomplete | 12 | $1,270,000 | $105,000 | $252,000 | $53,000 | $79,000 |
| Debt-To-Income Ratio | 11 | $721,000 | $65,000 | $160,000 | $31,000 | $60,000 |
| Employment History | 3 | $284,000 | $94,000 | $122,000 | $29,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $14,000 | $14,000 | $14,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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