Bourbon County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 818 mortgage applications in Bourbon County, KY totaling $111.8 million, down 12% from 2010. The average application was for $136,000, and applicants reported an average income of $67,000. 52% of applications resulted in an originated loan and 18% were denied. The most active lender was Kentucky Bank, with 92 applications, followed by Traditional Bank Inc and Fifth Third Mortgage Company.

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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 818
Total Mortgage Loan Application Amount $111,783,000
Average Mortgage Loan Application Amount $136,000
Highest Mortgage Loan Application Amount $1,613,000
Average Applicant Income $67,000
Highest Applicant Income $1,214,000

Mortgage Company List for Lending in Bourbon 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
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 658,623,000 92 $ 14,302,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,063,725,000 82 $ 10,917,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 60 $ 8,865,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 59 $ 7,524,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 49 $ 6,437,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 45 $ 3,930,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 43 $ 6,234,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 28 $ 3,201,000
Blue Grass Federal S&L Assoc
P O BOX 285
PARIS, KY 40362
* $ 41,082,000 27 $ 1,664,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 20 $ 2,131,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 15 $ 1,822,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 318,387,000 14 $ 1,446,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 13 $ 2,259,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 12 $ 2,240,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 12 $ 2,188,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 12 $ 2,146,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 11 $ 2,770,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 11 $ 688,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 10 $ 1,424,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 9 $ 1,194,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 9 $ 1,385,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 9 $ 1,139,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 9 $ 1,516,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 8 $ 628,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 1,608,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 1,492,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,587,678,000 6 $ 270,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 5 $ 554,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 5 $ 664,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 5 $ 489,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 5 $ 1,024,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 5 $ 827,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 215,545,000 5 $ 366,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 614,260,000 3 $ 889,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 781,696,000 3 $ 140,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 3 $ 135,000
Winfirst Bank
57 SOUTH MAIN STREET
WINCHESTER, KY 40391
* $ 171,174,000 2 $ 444,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 443,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 296,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 2 $ 247,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 359,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 2 $ 465,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 577,869,000 2 $ 179,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 2 $ 1,685,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 2 $ 279,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 236,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 388,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 2 $ 259,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 290,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 379,380,000 2 $ 136,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 2 $ 147,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 442,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 2 $ 517,000
Members Heritage FCU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 295,043,000 2 $ 40,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 464,723,000 2 $ 210,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 416,689,000 2 $ 109,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,524,028,000 2 $ 211,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ 261,715,000 1 $ 63,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,319,293,000 1 $ 111,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 139,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,719,502,000 1 $ 417,000
Bank of Lexington
761 CORPORATE DRIVE
LEXINGTON, KY 40503
* $ 139,817,000 1 $ 169,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 151,000
Fme Federal Credit Union
29624 HARPER
ST CLAIR SHORES, MI 48082
* $ 72,512,000 1 $ 168,000
Health Education Federal C U
424 PARK PLACE
LEXINGTON, KY 40511
* $ 63,070,000 1 $ 126,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,514,287,000 1 $ 95,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 82,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 384,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 390,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 162,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 125,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 161,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 118,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 1 $ 82,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 130,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 61,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 230,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 104,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 77,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 93,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 1 $ 103,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 156,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 1 $ 366,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 146,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 78,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 1 $ 78,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 171,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 120,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 1 $ 77,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 57,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 1 $ 85,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 68,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 1 $ 131,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 1 $ 157,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 137,130,000 1 $ 294,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 81,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 608,783,443,000 1 $ 90,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 82,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 297,097,000 1 $ 102,000
Independence Bank
13100 NORTHWEST FREEWAY SUITE 100
HOUSTON, TX 77040
* $ 167,069,000 1 $ 78,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 628,498,000 1 $ 85,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 241,105,000 1 $ 26,000
Share Plus Federal Bank
5224 W. PLANO PARKWAY
PLANO, TX 75093
* $ 238,874,000 1 $ 120,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 138,000

The tables below break down 2011 mortgage applications in Bourbon 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 Bourbon 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 520 $75,377,000 $144,000 $1,190,000 $68,000 $1,214,000
Home Purchase 261 $34,511,000 $132,000 $1,613,000 $64,000 $530,000
Home Improvement 37 $1,895,000 $51,000 $400,000 $75,000 $367,000

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 659 $87,859,000 $133,000 $1,613,000 $73,000 $1,214,000
Not applicable 57 $9,514,000 $166,000 $1,190,000 $3,000 $77,000
Not Provided 56 $8,069,000 $144,000 $1,099,000 $60,000 $395,000
Black or African American 20 $1,777,000 $88,000 $349,000 $54,000 $126,000
Asian 15 $2,812,000 $187,000 $331,000 $59,000 $107,000
Hispanic 8 $1,209,000 $151,000 $356,000 $71,000 $210,000
American Indian or Alaskan Native 3 $543,000 $181,000 $300,000 $120,000 $187,000
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) 617 $86,409,000 $140,000 $1,613,000 $75,000 $1,214,000
FHA-insured (Federal Housing Administration) 137 $17,315,000 $126,000 $505,000 $44,000 $143,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $4,357,000 $111,000 $230,000 $38,000 $85,000
VA-guaranteed (Veterans Administration) 25 $3,702,000 $148,000 $384,000 $50,000 $87,000

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 424 $59,928,000 $141,000 $1,190,000 $77,000 $541,000
Application Denied By Financial Institution 146 $16,189,000 $110,000 $390,000 $53,000 $270,000
Loan Purchased By The Institution 107 $14,005,000 $130,000 $340,000 $38,000 $114,000
Application Withdrawn By Applicant 84 $12,569,000 $149,000 $1,613,000 $61,000 $495,000
Application Approved But Not Accepted 41 $6,512,000 $158,000 $673,000 $93,000 $1,214,000
File Closed For Incompleteness 16 $2,580,000 $161,000 $339,000 $85,000 $395,000
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 38 $3,170,000 $83,000 $390,000 $46,000 $114,000
Collateral 23 $3,578,000 $155,000 $366,000 $85,000 $270,000
Debt-To-Income Ratio 19 $2,169,000 $114,000 $309,000 $44,000 $132,000
Credit Application Incomplete 16 $1,587,000 $99,000 $206,000 $50,000 $138,000
Other 7 $871,000 $124,000 $169,000 $51,000 $125,000
Unverifiable Information 1 $32,000 $32,000 $32,000 $45,000 $45,000
Insufficient Cash (Downpayment, Closing Cost) 1 $133,000 $133,000 $133,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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