Barren County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,509 mortgage applications in Barren County, KY totaling $150.5 million, up 2% from 2010. The average application was for $99,000, and applicants reported an average income of $58,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Edmonton State Bank, with 365 applications, followed by Truist Bank and US Bk NA Nd.

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Total Number of Mortgage Applications 1,509
Total Mortgage Loan Application Amount $150,486,000
Average Mortgage Loan Application Amount $99,000
Highest Mortgage Loan Application Amount $1,551,000
Average Applicant Income $58,000
Highest Applicant Income $1,144,000

Mortgage Company List for Lending in Barren 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
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ 411,946,000 365 $ 33,619,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 142 $ 11,261,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 134 $ 9,717,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 95 $ 5,866,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 61 $ 5,215,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 53 $ 6,870,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 53 $ 6,278,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,719,502,000 46 $ 4,790,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 37 $ 4,726,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 35 $ 4,210,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 35 $ 3,498,000
Citizens First Bank, Inc.
1805 CAMPBELL LN
BOWLING GREEN, KY 42104
* $ 349,412,000 30 $ 3,098,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 29 $ 4,063,000
Service One Credit Union
P.O. BOX 51770
BOWLING GREEN, KY 42102
* $ 98,901,000 25 $ 1,865,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 605,766,000 19 $ 2,226,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 19 $ 2,901,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 15 $ 916,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 15 $ 2,411,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 13 $ 1,607,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 13 $ 1,943,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 13 $ 1,263,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 11 $ 1,443,000
Independence Bank
13100 NORTHWEST FREEWAY SUITE 100
HOUSTON, TX 77040
* $ 167,069,000 11 $ 1,006,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 10 $ 1,939,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 9 $ 1,386,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 9 $ 1,091,000
Bank of Edmonson County
PO BOX 99
BROWNSVILLE, KY 42210
* $ 195,962,000 8 $ 635,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 8 $ 1,019,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 8 $ 1,185,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 8 $ 604,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 7 $ 358,000
The Farmers National Bank of Scottsville
1595 VETERANS MEMORIAL HWY
SCOTTSVILLE, KY 42164
* $ 239,290,000 6 $ 1,730,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 5 $ 723,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 5 $ 199,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,856,646,000,000 4 $ 120,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 4 $ 360,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 551,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 4 $ 540,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 4 $ 414,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 4 $ 379,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 665,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,319,293,000 4 $ 387,000
Hancock Bank & Trust Company
220 MAIN STREET
HAWESVILLE, KY 42348
* $ 335,824,000 4 $ 1,003,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 818,355,000 4 $ 598,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 4 $ 478,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 234,789,000 3 $ 351,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ 347,192,000 3 $ 450,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,524,028,000 3 $ 413,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 623,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 376,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 3 $ 381,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 3 $ 522,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 3 $ 345,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 3 $ 403,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 146,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 180,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ 131,722,000 2 $ 256,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 345,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 2 $ 211,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 2 $ 280,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 2 $ 74,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 201,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 236,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 2 $ 228,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 2 $ 135,000
Macon Bank and Trust Company
609 RED BOILING SPRINGS ROAD
LAFAYETTE, TN 37083
* $ 313,642,000 2 $ 44,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 395,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 458,261,000 2 $ 65,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 930,431,000 1 $ 18,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,514,287,000 1 $ 32,000
Xceed Financial
888 N. NASH ST
EL SEGUNDO, CA 90245
* $ 721,020,000 1 $ 118,000
Southwest Airlines FCU
2340 SHORECREST
DALLAS, TX 75235
* $ 196,522,000 1 $ 71,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 283,342,000 1 $ 120,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 1 $ 189,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 120,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 123,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 128,847,000 1 $ 49,000
The Farmers Bank
P. O. BOX 10, 120 VILLAGE DRIVE
PORTLAND, TN 37148
* $ 546,239,000 1 $ 48,000
Wellworth Bank
400 HWY 52 BYPASS WEST
LAFAYETTE, TN 37083
* $ 419,183,000 1 $ 43,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 1 $ 288,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 403,959,000 1 $ 120,000
South Central Bank of Bowling
1757 CAMPBELL LANE
BOWLING GREEN, KY 42104
* $ 224,915,000 1 $ 46,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 265,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 146,587,000 1 $ 123,000
United Security Financial Corp
930 EAST 6600 SOUTH
MURRAY, UT 84121
* $ 10,000,000 1 $ 85,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 102,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 1 $ 125,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 71,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 655,223,000 1 $ 172,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 256,084,000 1 $ 376,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 126,000
Mortgage Metwork Inc.
10529 A TIMBERWOOD CIRCLE
LOUISVILLE, KY 40223
* $ 100,000,000 1 $ 269,000
Reunion Mortgage, Inc
860 HILLVIEW COURT #300
MILPITAS, CA 95035
* $ 10,000,000 1 $ 115,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 182,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 168,000
Oceanside Mortgage Company
55 MAIN ST
TOMS RIVER, NJ 08753
* $ 10,000,000 1 $ 156,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 69,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 1 $ 52,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 159,000
Pinnacle National Bank
150 3RD AVENUE SOUTH, SUITE 900
NASHVILLE, TN 37201
* $ 4,903,192,000 1 $ 150,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 29,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 74,000
American Bank of Huntsville
3301 MEMORIAL PKWY SW
HUNTSVILLE, AL 35801
* $ 172,971,000 1 $ 57,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 341,542,000 1 $ 14,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 92,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 241,105,000 1 $ 68,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 135,000
Onemain Financial Servi
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 14,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,104,501,000 1 $ 150,000

The tables below break down 2011 mortgage applications in Barren 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 Barren 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 864 $95,844,000 $110,000 $1,551,000 $61,000 $1,144,000
Home Purchase 542 $49,235,000 $90,000 $760,000 $51,000 $758,000
Home Improvement 103 $5,407,000 $52,000 $499,000 $64,000 $314,000

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 1,219 $117,406,000 $96,000 $706,000 $61,000 $1,144,000
Not Provided 152 $14,424,000 $94,000 $516,000 $52,000 $286,000
Not applicable 83 $13,114,000 $158,000 $1,551,000 $7,000 $126,000
Black or African American 35 $3,343,000 $95,000 $274,000 $45,000 $165,000
Hispanic 9 $638,000 $70,000 $108,000 $37,000 $65,000
American Indian or Alaskan Native 6 $777,000 $129,000 $253,000 $191,000 $332,000
Asian 4 $736,000 $184,000 $324,000 $266,000 $550,000
Native Hawaiian or Other Pacific Islander 1 $48,000 $48,000 $48,000 $36,000 $36,000

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) 1,163 $111,914,000 $96,000 $1,551,000 $63,000 $1,144,000
FHA-insured (Federal Housing Administration) 222 $24,084,000 $108,000 $274,000 $40,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 81 $8,246,000 $101,000 $156,000 $31,000 $70,000
VA-guaranteed (Veterans Administration) 43 $6,242,000 $145,000 $376,000 $54,000 $253,000

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 764 $76,980,000 $100,000 $1,551,000 $70,000 $1,144,000
Application Denied By Financial Institution 342 $31,340,000 $91,000 $760,000 $47,000 $779,000
Loan Purchased By The Institution 142 $17,741,000 $124,000 $375,000 $38,000 $253,000
Application Approved But Not Accepted 118 $9,790,000 $82,000 $530,000 $42,000 $250,000
Application Withdrawn By Applicant 110 $10,480,000 $95,000 $269,000 $45,000 $170,000
File Closed For Incompleteness 33 $4,155,000 $125,000 $265,000 $74,000 $465,000
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 73 $6,576,000 $90,000 $483,000 $57,000 $779,000
Debt-To-Income Ratio 37 $4,593,000 $124,000 $760,000 $43,000 $192,000
Collateral 36 $3,295,000 $91,000 $410,000 $43,000 $166,000
Other 17 $1,457,000 $85,000 $248,000 $52,000 $151,000
Unverifiable Information 5 $671,000 $134,000 $178,000 $88,000 $182,000
Insufficient Cash (Downpayment, Closing Cost) 4 $283,000 $70,000 $85,000 $109,000 $271,000
Credit Application Incomplete 3 $301,000 $100,000 $122,000 $75,000 $135,000
Employment History 0 $0 $0 $0 $0 $0
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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