Owen County, KY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 587 mortgage applications in Owen County, KY totaling $84.3 million, down 16% from 2021. The average application was for $143,000, and applicants reported an average income of $83,000. 48% of applications resulted in an originated loan and 22% were denied. The most active lender was German American Bank, with 87 applications, followed by Commonwealth Federal Credit Union and Vanderbilt Mortgage and Finance, Inc.
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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 | 587 |
| Total Mortgage Loan Application Amount | $84,255,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $665,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $1,785,000 |
* 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 |
|---|---|---|---|---|
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 87 | $ 10,695,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,895,919,000 | 65 | $ 5,215,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 22 | $ 2,920,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 20 | $ 3,350,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 19 | $ 2,615,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 13 | $ 2,445,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 12 | $ 1,790,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 12 | $ 1,490,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 11 | $ 1,485,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 10 | $ 1,560,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 10 | $ 810,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 10 | $ 1,500,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,509,253,000 | 9 | $ 1,625,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 9 | $ 1,535,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 9 | $ 1,175,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 1,835,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 8 | $ 1,560,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 1,390,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 1,345,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,045,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,244,199,000 | 6 | $ 1,050,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 5 | $ 645,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 5 | $ 265,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 795,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 5 | $ 1,105,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 5 | $ 915,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 5 | $ 995,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 4 | $ 780,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 4 | $ 600,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 550,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 400,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 4 | $ 590,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 4 | $ 510,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 4 | $ 280,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 4 | $ 500,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 885,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 3 | $ 455,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 555,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 295,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 2,063,401,000 | 3 | $ 335,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 3,890,954,000 | 3 | $ 695,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 1,133,661,000 | 3 | $ 585,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 695,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,878,802,000 | 3 | $ 225,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 310,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 2 | $ 470,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 1,402,858,000 | 2 | $ 120,000 |
| United Citizens Bank & Trust Company P O BOX 250 CAMPBELLSBURG, KY 40011 |
* | $ 156,505,000 | 2 | $ 190,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 230,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 2 | $ 270,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,840,658,000 | 2 | $ 630,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 2 | $ 710,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 340,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 120,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 280,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 520,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 170,000 |
| Option Financial, LLC 6551 HARRISON AVE CINCINNATI, OH 45247 |
* | $ -1,000 | 2 | $ 370,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 220,000 |
| Bedford Loan & Deposit Bank P.O. BOX 276 45 HWY 42 E BEDFORD, KY 40006 |
* | $ 119,974,000 | 2 | $ 50,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 2 | $ 260,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 490,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 2 | $ 340,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 560,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 2 | $ 470,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 6,639,234,000 | 2 | $ 470,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 2 | $ 260,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 2 | $ 420,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 430,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 2 | $ 260,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 2 | $ 110,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 220,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,590,117,000 | 2 | $ 120,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ 7,423,952,000 | 2 | $ 330,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 2 | $ 270,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 145,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 175,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 225,000 |
| Merchants Bank of Indiana 11555 N. MERIDIAN STREET CARMEL, IN 46032 |
* | $ 10,994,199,000 | 1 | $ 175,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 75,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 3,237,305,000 | 1 | $ 165,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 115,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 1,180,778,000 | 1 | $ 135,000 |
| Heartland Bank 430 N HAMILTON ROAD WHITEHALL, OH 43213 |
* | $ 1,464,528,000 | 1 | $ 255,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 335,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 1,463,835,000 | 1 | $ 155,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 185,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 175,000 |
| Best Capital Funding 21540 PLUMMER STREET, SUITE A CHATSWORTH, CA 91311 |
* | $ -1,000 | 1 | $ 75,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 165,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 1,075,788,000 | 1 | $ 125,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 105,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 215,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,463,554,000 | 1 | $ 85,000 |
| Axos Bank 4350 LA JOLLA VILLAGE DR SUITE 140 SAN DIEGO, CA 92122 |
* | $ 14,047,081,000 | 1 | $ 115,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 235,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 1 | $ 195,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 95,000 |
| Eagle.Bank 6415 BRIDGETOWN ROAD CINCINNATI, OH 45248 |
* | $ 174,667,000 | 1 | $ 105,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 1,189,715,000 | 1 | $ 355,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,591,396,000 | 1 | $ 85,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 235,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 145,000 |
| United Fidelity Funding Corp. 1300 NW BRIARCLIFF PKWY SUITE 275 JEFFERSON CITY, MO 64150 |
* | $ -1,000 | 1 | $ 285,000 |
| The Friendship State Bank PO BOX 357 FRIENDSHIP, IN 47021 |
* | $ 543,637,000 | 1 | $ 45,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 115,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 195,000 |
| Cinfed Federal Credit Union 4801 KENNEDY AVE CINCINNATI, OH 45209 |
* | $ 675,508,000 | 1 | $ 55,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 145,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 225,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 1 | $ 275,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 215,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 9,203,588,000 | 1 | $ 15,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 135,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 3,900,713,000 | 1 | $ 425,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 75,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,663,066,000 | 1 | $ 215,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 1 | $ 165,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 175,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 185,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 55,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 1 | $ 375,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 1 | $ 35,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 165,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 9,535,304,000 | 1 | $ 305,000 |
| Farmers Bank of Milton 41 FERRY ST. MILTON, KY 40045 |
* | $ 312,585,000 | 1 | $ 95,000 |
The tables below break down 2022 mortgage applications in Owen 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 Owen 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 | 290 | $48,270,000 | $166,000 | $665,000 | $79,000 | $600,000 |
| Cash-out Refinancing | 111 | $16,555,000 | $149,000 | $605,000 | $79,000 | $342,000 |
| Refinancing | 77 | $12,215,000 | $158,000 | $455,000 | $88,000 | $250,000 |
| Home Improvement | 61 | $3,945,000 | $64,000 | $365,000 | $81,000 | $219,000 |
| Other Purpose | 45 | $2,885,000 | $64,000 | $365,000 | $107,000 | $1,785,000 |
| Not Applicable | 3 | $385,000 | $128,000 | $245,000 | $40,000 | $40,000 |
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 | 475 | $66,065,000 | $139,000 | $605,000 | $83,000 | $1,785,000 |
| Not Provided | 55 | $8,885,000 | $161,000 | $665,000 | $78,000 | $467,000 |
| Not applicable | 42 | $7,830,000 | $186,000 | $595,000 | $106,000 | $181,000 |
| Black or African American | 6 | $570,000 | $95,000 | $195,000 | $116,000 | $312,000 |
| Hispanic | 5 | $385,000 | $77,000 | $105,000 | $69,000 | $122,000 |
| American Indian or Alaskan Native | 4 | $520,000 | $130,000 | $395,000 | $113,000 | $277,000 |
| 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) | 411 | $55,635,000 | $135,000 | $665,000 | $91,000 | $1,785,000 |
| FHA-insured (Federal Housing Administration) | 125 | $18,895,000 | $151,000 | $375,000 | $58,000 | $136,000 |
| VA-guaranteed (Veterans Administration) | 41 | $8,425,000 | $205,000 | $595,000 | $71,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,300,000 | $130,000 | $185,000 | $50,000 | $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 | 280 | $42,810,000 | $152,000 | $665,000 | $89,000 | $600,000 |
| Application Denied By Financial Institution | 132 | $14,060,000 | $106,000 | $435,000 | $79,000 | $1,785,000 |
| Application Withdrawn By Applicant | 76 | $10,560,000 | $138,000 | $395,000 | $73,000 | $358,000 |
| Loan Purchased By The Institution | 53 | $10,655,000 | $201,000 | $605,000 | $109,000 | $342,000 |
| File Closed For Incompleteness | 35 | $4,675,000 | $133,000 | $395,000 | $65,000 | $187,000 |
| Application Approved But Not Accepted | 11 | $1,495,000 | $135,000 | $435,000 | $54,000 | $94,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 450 | $69,840,000 | $155,000 | $665,000 | $84,000 | $600,000 |
| Credit History | 48 | $4,810,000 | $100,000 | $245,000 | $112,000 | $1,785,000 |
| Debt-To-Income Ratio | 36 | $4,550,000 | $126,000 | $385,000 | $53,000 | $113,000 |
| Collateral | 17 | $1,335,000 | $78,000 | $185,000 | $79,000 | $188,000 |
| Credit Application Incomplete | 15 | $1,295,000 | $86,000 | $245,000 | $52,000 | $129,000 |
| Other | 9 | $1,215,000 | $135,000 | $435,000 | $94,000 | $200,000 |
| Unverifiable Information | 6 | $480,000 | $80,000 | $145,000 | $43,000 | $67,000 |
| Employment History | 5 | $665,000 | $133,000 | $155,000 | $37,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $18,000 | $18,000 |
| 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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