Woodford County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 1,915 mortgage applications in Woodford County, KY totaling $321.3 million, up 24% from 2008. The average application was for $167,000, and applicants reported an average income of $78,000. 51% of applications resulted in an originated loan and 12% were denied. The most active lender was United Bank & Trust, with 169 applications, followed by Bank of America, N.A. and Wells Fargo Bank, NA.
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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 | 1,915 |
| Total Mortgage Loan Application Amount | $321,307,000 |
| Average Mortgage Loan Application Amount | $167,000 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $4,894,000 |
* 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 |
|---|---|---|---|---|
| United Bank & Trust 100 UNITED BANK DRIVE VERSAILLES, KY 40383 |
* | $ 785,640,000 | 169 | $ 20,750,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 139 | $ 22,010,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 119 | $ 23,479,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 117 | $ 17,332,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 111 | $ 17,880,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 93 | $ 15,636,000 |
| Citizens Commerce Bank 534 MARSAILLES ROAD VERSAILLES, KY 40383 |
* | $ 278,566,000 | 71 | $ 11,010,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 69 | $ 12,667,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 62 | $ 9,135,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 55 | $ 8,149,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 49 | $ 8,950,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 49 | $ 6,694,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 678,908,000 | 41 | $ 6,082,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 35 | $ 5,598,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 32 | $ 5,967,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,518,475,000 | 31 | $ 7,267,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 833,513,000 | 30 | $ 4,535,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,867,289,000 | 29 | $ 4,905,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 29 | $ 4,024,000 |
| Republic State Mortgage Co. 2715 BISSONNET, SUITE 102 HOUSTON, TX 77005 |
* | $ 10,000,000 | 27 | $ 4,922,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 23 | $ 3,450,000 |
| Mortgage Investors Group 8320 E. WALKER SPRINGS LANE KNOXVILLE, TN 37923 |
* | $ 10,000,000 | 22 | $ 3,526,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 646,321,000 | 22 | $ 3,382,000 |
| Town & Country Bank and Trust Co. PO BOX 305 BARDSTOWN, KY 40004 |
* | $ 398,767,000 | 22 | $ 2,375,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 22 | $ 3,660,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 19 | $ 3,924,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 3,267,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 16 | $ 1,299,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 14 | $ 2,861,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 13 | $ 1,930,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 13 | $ 1,782,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 13 | $ 2,936,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,930,807,000 | 12 | $ 2,229,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 12 | $ 2,002,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 273,842,000 | 11 | $ 728,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 10 | $ 1,465,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 10 | $ 1,580,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 10 | $ 1,998,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 9 | $ 1,162,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 9 | $ 77,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 8 | $ 1,556,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 8 | $ 1,500,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 8 | $ 1,081,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,398,452,000 | 8 | $ 596,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 6 | $ 869,000 |
| Bank of Lexington 761 CORPORATE DRIVE LEXINGTON, KY 40503 |
* | $ 107,773,000 | 6 | $ 1,400,000 |
| New York Community Bank 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 30,307,736,000 | 6 | $ 1,083,000 |
| Bank of the Bluegrass and Trust Company 101 EAST HIGH STREET LEXINGTON, KY 40507 |
* | $ 237,934,000 | 6 | $ 639,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 938,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 6 | $ 1,451,000 |
| Central Bank, FSB 301 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 176,174,000 | 6 | $ 1,312,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 272,520,000 | 6 | $ 838,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,706,972,000 | 6 | $ 689,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 137,626,000 | 6 | $ 925,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 919,604,000 | 6 | $ 2,665,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 6 | $ 834,000 |
| Members Heritage FCU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 238,348,000 | 5 | $ 612,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 5 | $ 305,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 4 | $ 721,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 82,416,721,000 | 4 | $ 4,137,000 |
| Stonegate Mortgage Corporation 10412 ALLISONVILLE ROAD SUITE 250 FISHERS, IN 46038 |
* | $ 1,855,000 | 4 | $ 957,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 180,373,000 | 4 | $ 793,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 4 | $ 678,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 1,529,917,000 | 3 | $ 291,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 431,817,000 | 3 | $ 486,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 3 | $ 567,000 |
| D & R Mortgage Corp 29870 MIDDLEBELT ROAD FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 3 | $ 459,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 3 | $ 3,344,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 3 | $ 673,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 10,273,647,000 | 3 | $ 391,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,014,126,000 | 3 | $ 447,000 |
| Greater Kentucky Credit Union 1001 RED MILE ROAD LEXINGTON, KY 40504 |
* | $ 58,322,000 | 3 | $ 618,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 142,084,005,000 | 3 | $ 3,258,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 3 | $ 251,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 429,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 3 | $ 428,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 401,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 2 | $ 529,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 280,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 2 | $ 275,000 |
| Homeplus Finance Corporation 2143 S. SEPULVEDA BLVD LOS ANGELES, CA 90025 |
* | $ 40,000,000 | 2 | $ 29,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 181,604,079,000 | 2 | $ 377,000 |
| American Founders Bank, Inc. 1200 FOREST BRIDGE ROAD LOUISVILLE, KY 40223 |
* | $ 518,545,000 | 2 | $ 520,000 |
| Charles Schwab Bank 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 25,365,108,000 | 2 | $ 165,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 380,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 255,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 2 | $ 253,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 795,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 113,925,000 | 2 | $ 310,000 |
| Grant County Deposit Bank 106 NORTH MAIN P.O. BOX 399 WILLIAMSTOWN, KY 41097 |
* | $ 101,189,000 | 2 | $ 62,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 129,691,000 | 2 | $ 385,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 2 | $ 32,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 2 | $ 280,000 |
| Farmers Bank 200 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 87,252,000 | 1 | $ 52,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 116,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,643,712,000 | 1 | $ 144,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 722,397,000 | 1 | $ 370,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 1 | $ 136,000 |
| Home Federal 1500 CARTER AVENUE ASHLAND, KY 41101 |
* | $ 234,729,000 | 1 | $ 70,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 178,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,483,611,000 | 1 | $ 105,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 817,286,000 | 1 | $ 161,000 |
| Winchester Federal Bank 57 SOUTH MAIN STREET WINCHESTER, KY 40391 |
* | $ 170,964,000 | 1 | $ 135,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 729,128,000 | 1 | $ 150,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 191,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 218,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 320,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 90,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 221,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 125,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 1 | $ 179,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 146,000 |
| Clearpoint Funding, Inc. 4 TECHNOLOGY DRIVE, SUITE 200 WESTBOROUGH, MA 01581 |
* | $ 10,000,000 | 1 | $ 174,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 106,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 115,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 178,000 |
| Guaranty Bank, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,629,217,000 | 1 | $ 146,000 |
| Franklin Bank & Trust Company P.O. BOX 449 FRANKLIN, KY 42134 |
* | $ 285,753,000 | 1 | $ 3,600,000 |
| Standard Bank and Trust Co. 7800 W 95TH ST HICKORY HILLS, IL 60457 |
* | $ 2,310,882,000 | 1 | $ 251,000 |
| First Capital Bank of Kentucky 293 NORTH HUBBARDS LANE LOUISVILLE, KY 40207 |
* | $ 419,727,000 | 1 | $ 80,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 542,235,000 | 1 | $ 344,000 |
| Community Bank and Trust of Florida P.O. BOX 1570 OCALA, FL 34478 |
* | $ 440,374,000 | 1 | $ 3,500,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 179,215,000 | 1 | $ 153,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 625,192,000 | 1 | $ 4,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,064,641,000 | 1 | $ 159,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 195,000 |
| Arvest Mortgage Company 931 W MONROE LOWELL, AR 72745 |
* | $ 10,210,879,000 | 1 | $ 99,000 |
| BBVA USA 15 SOUTH 20TH STREET BIRMINGHAM, AL 35233 |
* | $ 62,251,283,000 | 1 | $ 319,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 204,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 222,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 285,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 31,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 206,000 |
The tables below break down 2009 mortgage applications in Woodford 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 Woodford County, KY in 2009
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 | 1,435 | $257,986,000 | $179,000 | $3,600,000 | $82,000 | $4,894,000 |
| Home Purchase | 403 | $59,993,000 | $148,000 | $918,000 | $69,000 | $584,000 |
| Home Improvement | 77 | $3,328,000 | $43,000 | $199,000 | $66,000 | $262,000 |
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 | 1,488 | $251,316,000 | $168,000 | $3,563,000 | $85,000 | $4,894,000 |
| Not applicable | 261 | $45,694,000 | $175,000 | $3,600,000 | $46,000 | $602,000 |
| Not Provided | 99 | $16,096,000 | $162,000 | $406,000 | $75,000 | $357,000 |
| Black or African American | 46 | $5,264,000 | $114,000 | $215,000 | $54,000 | $336,000 |
| Hispanic | 16 | $1,883,000 | $117,000 | $182,000 | $62,000 | $247,000 |
| Asian | 3 | $645,000 | $215,000 | $255,000 | $71,000 | $87,000 |
| American Indian or Alaskan Native | 1 | $221,000 | $221,000 | $221,000 | $75,000 | $75,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $188,000 | $188,000 | $188,000 | $31,000 | $31,000 |
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) | 1,482 | $254,987,000 | $172,000 | $3,600,000 | $88,000 | $4,894,000 |
| FHA-insured (Federal Housing Administration) | 338 | $52,348,000 | $154,000 | $415,000 | $48,000 | $324,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $6,394,000 | $130,000 | $219,000 | $38,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 46 | $7,578,000 | $164,000 | $350,000 | $41,000 | $142,000 |
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 | 978 | $158,663,000 | $162,000 | $3,600,000 | $81,000 | $732,000 |
| Loan Purchased By The Institution | 479 | $76,444,000 | $159,000 | $3,000,000 | $59,000 | $602,000 |
| Application Denied By Financial Institution | 231 | $41,528,000 | $179,000 | $3,563,000 | $99,000 | $4,894,000 |
| Application Withdrawn By Applicant | 134 | $31,073,000 | $231,000 | $3,500,000 | $90,000 | $1,070,000 |
| Application Approved But Not Accepted | 61 | $8,626,000 | $141,000 | $630,000 | $84,000 | $357,000 |
| File Closed For Incompleteness | 32 | $4,973,000 | $155,000 | $605,000 | $72,000 | $283,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 44 | $15,105,000 | $343,000 | $3,563,000 | $255,000 | $4,894,000 |
| Credit History | 33 | $3,948,000 | $119,000 | $810,000 | $61,000 | $424,000 |
| Debt-To-Income Ratio | 33 | $5,177,000 | $156,000 | $379,000 | $58,000 | $429,000 |
| Credit Application Incomplete | 27 | $4,091,000 | $151,000 | $352,000 | $81,000 | $415,000 |
| Other | 11 | $1,690,000 | $153,000 | $392,000 | $88,000 | $240,000 |
| Unverifiable Information | 6 | $767,000 | $127,000 | $159,000 | $58,000 | $100,000 |
| Employment History | 2 | $209,000 | $104,000 | $115,000 | $45,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $222,000 | $111,000 | $160,000 | $36,000 | $38,000 |
| Mortgage Insurance Denied | 2 | $324,000 | $162,000 | $163,000 | $139,000 | $196,000 |
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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