Todd County, KY Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 604 mortgage applications in Todd County, KY totaling $42.4 million. The average application was for $70,000, and applicants reported an average income of $44,000. 49% of applications resulted in an originated loan and 24% were denied. The most active lender was Heritage Bank, with 82 applications, followed by United Southern Bank and Beneficial.
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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 | 604 |
| Total Mortgage Loan Application Amount | $42,383,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $460,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $600,000 |
* 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 |
|---|---|---|---|---|
| Heritage Bank 4155 LAFAYETTE RD HOPKINSVILLE, KY 42240 |
* | $ 425,213,000 | 82 | $ 6,492,000 |
| United Southern Bank PO BOX 951 HOPKINSVILLE, KY 42240 |
* | $ 108,125,000 | 63 | $ 3,988,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 27 | $ 1,500,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 65,629,555,000 | 22 | $ 1,429,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 19 | $ 705,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 176,049,792,000 | 18 | $ 1,782,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 18 | $ 1,563,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 17 | $ 1,441,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 1,233,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 15 | $ 1,418,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 14 | $ 1,056,000 |
| US Bancorp,Consumer Finance Ky 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 174,000,000 | 12 | $ 319,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 9,432,256,000 | 12 | $ 646,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 11 | $ 568,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 10 | $ 778,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 2,437,029,000 | 10 | $ 426,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 10 | $ 562,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 727,337,000,000 | 9 | $ 497,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 8 | $ 682,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 624,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 7 | $ 330,000 |
| Amsouth Bank P.O. BOX 11007 - AC-10 BIRMINGHAM, AL 35288 |
* | $ 40,569,048,000 | 7 | $ 460,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 150,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 6 | $ 351,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 6 | $ 285,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 11,370,323,000 | 6 | $ 460,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 606,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 6 | $ 374,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 115,148,694,000 | 5 | $ 400,000 |
| Fortera Federal Credit Union 2050 LOWES DRIVE CLARKSVILLE, TN 37040 |
* | $ 171,324,000 | 5 | $ 411,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 327,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 4 | $ 239,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 4 | $ 333,000 |
| First Franklin Financial Corp. 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 592,000,000 | 4 | $ 264,000 |
| National City Mortgage Corpora 1900 E9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 12,000,000,000 | 4 | $ 299,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 4 | $ 327,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 237,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 4 | $ 229,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 4 | $ 373,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 3 | $ 192,000 |
| Sebring Capital Partners, LP 4000 INTERNATIONAL PARWAY, SUITE 3000 CARROLLTON, TX 75007 |
* | $ 10,000,000 | 3 | $ 130,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 3 | $ 206,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 280,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 43,721,511,000 | 3 | $ 77,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 1,708,852,000 | 3 | $ 151,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 3 | $ 222,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 382,144,000 | 3 | $ 299,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 223,000 |
| Amtrust Mortgage Corporation 100 GLENRIDGE POINT PKWY, SUITE 400 ATLANTA, GA 30342 |
* | $ 10,000,000 | 3 | $ 179,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 202,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 339,575,000 | 2 | $ 99,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 242,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 127,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 96,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 565,382,000,000 | 2 | $ 83,000 |
| Citifinancial Inc 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 2 | $ 120,000 |
| Full Spectrum Lending 35 N. LAKE AVENUE MS 55-11 PASADENA, CA 91101 |
* | $ 58,034,697,000 | 2 | $ 198,000 |
| Guaranty Trust Company 640 BROADMOR BLVD. SUITE 100 MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 2 | $ 214,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 2 | $ 161,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,567,878,000 | 2 | $ 277,000 |
| Morequity,Inc. (Nv) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 2 | $ 86,000 |
| Fremont Investment & Loan 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 6,363,082,000 | 2 | $ 82,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 335,210,000 | 2 | $ 144,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ 162,977,000 | 2 | $ 83,000 |
| Priceline Mortgage Company LLC 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 75,254,000 | 1 | $ 152,000 |
| Principal Residential Mortgage ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 1,736,131,000 | 1 | $ 53,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 23,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 177,712,000 | 1 | $ 116,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 111,000 |
| Ocean West Funding 15991 RED HILL AVENUE, SUITE 110 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Service First Mortgage, L.C. 4171 W. HILLSBORO BLVD. STE 10 COCONUT CREEK, FL 33073 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Tennessee Valley Federal C U 535 CHESTNUT STREET CHATTANOOGA, TN 37402 |
* | $ 369,952,000 | 1 | $ 119,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 21,008,000 | 1 | $ 61,000 |
| Watermark Financial Partners 4582 S ULSTER ST, SUITE 300 DENVER, CO 80237 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,074,052,000 | 1 | $ 43,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 318,870,000,000 | 1 | $ 49,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,366,324,000 | 1 | $ 77,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 33,756,573,000 | 1 | $ 375,000 |
| United California Systems Intl 11755 WILSHIRE BLVD SUITE 2100 LOS ANGELES, CA 90025 |
* | $ 10,000,000 | 1 | $ 42,000 |
| United Financial Mortgage Corp 815 COMMERCE DR., STE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Mortgage Company of America,Ll 2416 21ST AVE. SOUTH, SUITE 202 NASHVILLE, TN 37212 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Lasalle Bank NA 135 SOUTH LASALLE STREET, STE 2325 CHICAGO, IL 60603 |
* | $ 57,441,766,000 | 1 | $ 147,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 9,508,220,000 | 1 | $ 108,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 8,575,434,000 | 1 | $ 38,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 25,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 148,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 1 | $ 89,000 |
| First Mutual Bank 400 108TH AVE NE BELLEVUE, WA 98004 |
* | $ 742,648,000 | 1 | $ 13,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 55,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 375,518,000 | 1 | $ 76,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 18,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 28,000 |
| Colorado Federal Savings Bank 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 46,282,000 | 1 | $ 43,000 |
| Columbia National, Inc. 7142 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 |
* | $ 31,000,000 | 1 | $ 135,000 |
| Commercial Federal Bank 11207 WEST DODGE ROAD 2ND FL OMAHA, NE 68154 |
* | $ 13,094,324,000 | 1 | $ 105,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 537,961,000 | 1 | $ 84,000 |
| Conseco Bank, Inc. 2825 E. COTTONWOOD PARKWAY, SUITE 230 SALT LAKE CITY, UT 84121 |
* | $ 3,042,016,000 | 1 | $ 39,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 81,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 44,835,341,000 | 1 | $ 115,000 |
| Cuna Mutual Mortgage Corporati 2908 MARKETPLACE DRIVE SUITE 100 MADISON, WI 53719 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 47,877,769,000 | 1 | $ 66,000 |
| First Federal Savings Bank 1430 MADISON STREET CLARKSVILLE, TN 37041 |
* | $ 258,394,000 | 1 | $ 164,000 |
| Aegis Lending Corporation 3250 BRIARPARK DR SUITE 400 HOUSTON, TX 77042 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 879,740,000 | 1 | $ 65,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Aurora Loan Services 10350 PARK MEADOWS DRIVE LITTLETON, CO 80124 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Capital Equity Services, LLC 1130 SITUS COURT, SUITE 250 RALEIGH, NC 27606 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 252,976,000 | 1 | $ 62,000 |
The tables below break down 2003 mortgage applications in Todd 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 Todd 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) | 380 | $28,199,000 | $74,000 | $375,000 | $48,000 | $600,000 |
| Home Purchase (one-to-four family) | 185 | $13,316,000 | $71,000 | $460,000 | $38,000 | $150,000 |
| Home Improvement (one-to-four family) | 38 | $816,000 | $21,000 | $80,000 | $35,000 | $200,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $52,000 | $52,000 | $52,000 | $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 | 432 | $30,699,000 | $71,000 | $460,000 | $47,000 | $600,000 |
| Information not provided by applicant in mail or telephone application | 103 | $6,993,000 | $67,000 | $186,000 | $47,000 | $398,000 |
| Black | 34 | $1,882,000 | $55,000 | $117,000 | $37,000 | $96,000 |
| Not applicable | 21 | $2,029,000 | $96,000 | $365,000 | $3,000 | $42,000 |
| Hispanic | 8 | $437,000 | $54,000 | $77,000 | $29,000 | $52,000 |
| American Indian or Alaskan Native | 3 | $146,000 | $48,000 | $59,000 | $72,000 | $168,000 |
| Other | 3 | $197,000 | $65,000 | $94,000 | $41,000 | $50,000 |
| Asian or 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) | 557 | $38,031,000 | $68,000 | $460,000 | $47,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 29 | $2,640,000 | $91,000 | $164,000 | $26,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $858,000 | $85,000 | $116,000 | $23,000 | $54,000 |
| FHA-insured (Federal Housing Administration) | 8 | $854,000 | $106,000 | $135,000 | $21,000 | $67,000 |
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 | 294 | $21,021,000 | $71,000 | $365,000 | $47,000 | $600,000 |
| Application Denied By Financial Institution | 143 | $8,829,000 | $61,000 | $460,000 | $44,000 | $120,000 |
| Application Withdrawn By Applicant | 64 | $4,371,000 | $68,000 | $159,000 | $40,000 | $156,000 |
| Application Approved But Not Accepted | 49 | $3,444,000 | $70,000 | $375,000 | $50,000 | $171,000 |
| Loan Purchased By The Institution | 44 | $3,921,000 | $89,000 | $186,000 | $21,000 | $383,000 |
| File Closed For Incompleteness | 10 | $797,000 | $79,000 | $152,000 | $87,000 | $398,000 |
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 | 32 | $1,753,000 | $54,000 | $158,000 | $39,000 | $120,000 |
| Other | 28 | $1,706,000 | $60,000 | $186,000 | $42,000 | $83,000 |
| Collateral | 10 | $639,000 | $63,000 | $149,000 | $58,000 | $96,000 |
| Credit Application Incomplete | 9 | $546,000 | $60,000 | $107,000 | $53,000 | $120,000 |
| Debt-To-Income Ratio | 7 | $481,000 | $68,000 | $122,000 | $32,000 | $53,000 |
| Employment History | 2 | $77,000 | $38,000 | $57,000 | $27,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $220,000 | $110,000 | $170,000 | $67,000 | $82,000 |
| Unverifiable Information | 1 | $20,000 | $20,000 | $20,000 | $36,000 | $36,000 |
| 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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