Bourbon County, KY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 981 mortgage applications in Bourbon County, KY totaling $145.2 million, up 20% from 2011. The average application was for $147,000, and applicants reported an average income of $73,000. 56% of applications resulted in an originated loan and 18% were denied. The most active lender was Kentucky Bank, with 137 applications, followed by Wells Fargo Bank NA and JPMorgan Chase 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 981
Total Mortgage Loan Application Amount $145,174,000
Average Mortgage Loan Application Amount $147,000
Highest Mortgage Loan Application Amount $3,370,000
Average Applicant Income $73,000
Highest Applicant Income $981,000

Mortgage Company List for Lending in Bourbon County, KY for 2012

* 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
* $ 659,728,000 137 $ 21,434,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 63 $ 10,125,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 63 $ 8,755,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,078,796,000 60 $ 8,294,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 52 $ 4,888,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 48 $ 7,921,000
Blue Grass Federal S&L Assoc
P O BOX 285
PARIS, KY 40362
* $ 41,946,000 46 $ 3,721,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 352,621,000 34 $ 4,407,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 283,544,000 34 $ 5,712,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 25 $ 3,414,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 25 $ 4,850,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 811,158,000 23 $ 2,891,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,908,559,000 20 $ 3,261,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 20 $ 3,023,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,573,012,000 16 $ 2,449,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 16 $ 2,147,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 14 $ 8,218,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 14 $ 1,716,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 12 $ 2,324,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 12 $ 694,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 11 $ 1,679,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 11 $ 2,076,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 11 $ 670,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 10 $ 903,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 9 $ 1,372,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,310,308,000 9 $ 1,866,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 7 $ 1,353,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 6 $ 467,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 6 $ 586,000
Members Heritage FCU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 300,669,000 6 $ 300,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 582,171,000 5 $ 875,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 5 $ 538,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 5 $ 831,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 4 $ 548,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 4 $ 456,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 485,047,000 4 $ 254,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,663,069,000 3 $ 337,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 422,177,000 3 $ 51,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 3 $ 18,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 567,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 3 $ 551,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 3 $ 224,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 3 $ 440,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 505,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 3 $ 319,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 3 $ 460,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 3 $ 345,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 128,108,000 3 $ 454,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 3 $ 20,000
Farmers National Bank
P.O. BOX 188
CYNTHIANA, KY 41031
* $ 105,293,000 2 $ 269,000
Bank of Lexington
761 CORPORATE DRIVE
LEXINGTON, KY 40503
* $ 166,757,000 2 $ 351,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 518,825,000 2 $ 21,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 992,086,000 2 $ 707,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 2 $ 92,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 2 $ 258,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 154,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 2 $ 181,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 13,039,950,000 2 $ 356,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 241,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 138,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 2 $ 354,000
Wcs Lending, LLC
951 YAMATO ROAD, SUITE 150
BOCA RATON, FL 33431
* $ 25,076,000 2 $ 241,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 213,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 248,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 2 $ 258,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 202,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 135,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,496,537,000 2 $ 675,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 280,708,000 1 $ 58,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 840,006,000 1 $ 99,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 897,005,000 1 $ 83,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,452,553,000 1 $ 691,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 234,288,000 1 $ 295,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 823,405,000 1 $ 90,000
First Financial Services, Inc.
6230 FAIRVIEW RD, 450
CHARLOTTE, NC 28210
* $ 842,786,000 1 $ 240,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 139,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 132,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 53,000
Ditech Mortgage Corp
1100 VIRGINIA DRIVE, SUITE 100
FT. WASHINGTON, PA 19034
* $ 5,720,000 1 $ 80,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 142,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 1 $ 139,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 87,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 128,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 96,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 298,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 177,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 121,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ 10,000,000 1 $ 1,500,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 95,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 81,000
Cmco Mortgage, LLC dba Home Le
7851 FREEWAY CIRCLE
MIDDLEBURG HEIGHTS, OH 44130
* $ 10,000,000 1 $ 92,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 86,198,836,000 1 $ 5,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 215,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 1 $ 112,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 1 $ 93,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,056,671,000 1 $ 280,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,368,203,000 1 $ 73,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 235,866,000 1 $ 12,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 1 $ 417,000
Winfirst Bank
57 SOUTH MAIN STREET
WINCHESTER, KY 40391
* $ 164,113,000 1 $ 268,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 1 $ 137,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 64,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 165,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 1 $ 124,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 235,850,000 1 $ 263,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 341,507,000 1 $ 113,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 407,410,000 1 $ 108,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ 397,136,000 1 $ 622,000

The tables below break down 2012 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 2012

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 658 $106,870,000 $162,000 $3,370,000 $73,000 $939,000
Home Purchase 264 $34,291,000 $129,000 $660,000 $69,000 $981,000
Home Improvement 59 $4,013,000 $68,000 $685,000 $88,000 $470,000

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 834 $123,362,000 $147,000 $3,370,000 $78,000 $981,000
Not applicable 52 $10,086,000 $193,000 $1,360,000 $6,000 $121,000
Not Provided 51 $6,539,000 $128,000 $343,000 $72,000 $372,000
Black or African American 28 $2,884,000 $103,000 $380,000 $57,000 $125,000
Hispanic 5 $516,000 $103,000 $132,000 $46,000 $91,000
American Indian or Alaskan Native 5 $1,008,000 $201,000 $361,000 $68,000 $117,000
Asian 4 $527,000 $131,000 $207,000 $49,000 $103,000
Native Hawaiian or Other Pacific Islander 2 $252,000 $126,000 $150,000 $70,000 $140,000

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) 748 $115,135,000 $153,000 $3,370,000 $82,000 $981,000
FHA-insured (Federal Housing Administration) 144 $17,084,000 $118,000 $275,000 $41,000 $372,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 55 $6,143,000 $111,000 $188,000 $36,000 $79,000
VA-guaranteed (Veterans Administration) 34 $6,812,000 $200,000 $363,000 $62,000 $125,000

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 551 $86,005,000 $156,000 $3,370,000 $82,000 $981,000
Application Denied By Financial Institution 177 $20,934,000 $118,000 $571,000 $57,000 $372,000
Loan Purchased By The Institution 103 $14,442,000 $140,000 $363,000 $41,000 $274,000
Application Withdrawn By Applicant 98 $16,587,000 $169,000 $1,812,000 $76,000 $400,000
Application Approved But Not Accepted 29 $3,741,000 $129,000 $417,000 $78,000 $280,000
File Closed For Incompleteness 23 $3,465,000 $150,000 $445,000 $80,000 $196,000
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 35 $4,322,000 $123,000 $287,000 $67,000 $108,000
Credit History 33 $2,999,000 $90,000 $298,000 $60,000 $300,000
Debt-To-Income Ratio 30 $4,897,000 $163,000 $571,000 $63,000 $372,000
Other 7 $789,000 $112,000 $165,000 $70,000 $195,000
Unverifiable Information 3 $726,000 $242,000 $498,000 $109,000 $132,000
Credit Application Incomplete 3 $215,000 $71,000 $80,000 $23,000 $32,000
Employment History 3 $334,000 $111,000 $160,000 $61,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 1 $74,000 $74,000 $74,000 $43,000 $43,000
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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