Bourbon County, KY Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 684 mortgage applications in Bourbon County, KY totaling $95.3 million, up 3% from 2014. The average application was for $139,000, and applicants reported an average income of $66,000. 55% of applications resulted in an originated loan and 18% were denied. The most active lender was Traditional Bank Inc, with 85 applications, followed by Kentucky Bank 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 684
Total Mortgage Loan Application Amount $95,293,000
Average Mortgage Loan Application Amount $139,000
Highest Mortgage Loan Application Amount $1,722,000
Average Applicant Income $66,000
Highest Applicant Income $1,954,000

Mortgage Company List for Lending in Bourbon County, KY for 2015

* 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
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,167,564,000 85 $ 9,961,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 854,298,000 81 $ 11,552,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 31 $ 4,094,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 136,279,317,000 31 $ 2,665,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 28 $ 3,957,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 20 $ 2,605,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 17 $ 2,139,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 14 $ 2,181,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 14 $ 1,763,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 13 $ 1,976,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 13 $ 1,772,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,938,014,000 12 $ 2,037,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 11 $ 1,800,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 10 $ 765,000
Farmers Deposit Bank
P O BOX 188
CYNTHIANA, KY 41031
* $ 138,280,000 10 $ 1,068,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 245,515,000 10 $ 2,078,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 800,639,000 10 $ 1,527,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 9 $ 1,266,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 9 $ 748,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 8 $ 4,138,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 8 $ 819,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,699,771,000 8 $ 1,376,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 7 $ 730,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 336,096,000 7 $ 619,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 7 $ 570,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 6 $ 792,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 6 $ 884,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 878,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 5 $ 904,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 5 $ 748,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 5 $ 763,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 5 $ 429,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 5 $ 808,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 451,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 4 $ 572,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 4 $ 886,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 4 $ 688,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 4 $ 369,000
Bank of the Bluegrass and Trust Company
101 EAST HIGH STREET
LEXINGTON, KY 40507
* $ 214,404,000 3 $ 371,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,742,760,000 3 $ 292,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 3 $ 226,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 524,293,000 3 $ 326,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 3 $ 579,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 3 $ 362,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 3 $ 548,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 3 $ 147,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 342,347,000 3 $ 270,000
First Security Bank, Inc.
PO BOX 788
OWENSBORO, KY 42302
* $ 546,102,000 2 $ 367,000
Town Square Bank
1500 CARTER AVENUE
ASHLAND, KY 41105
* $ 414,518,000 2 $ 407,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 948,996,000 2 $ 158,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 2 $ 306,000
Field & Main Bank
140 N. MAIN ST.
HENDERSON, KY 42420
* $ 260,313,000 2 $ 1,085,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 2 $ 166,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 2 $ 509,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 66,111,039,000 2 $ 474,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 2 $ 428,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,036,325,000 2 $ 130,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 2 $ 35,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 2 $ 130,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 2 $ 489,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 2 $ 469,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 2 $ 329,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 2 $ 387,000
Mwabank
100 17TH STREET
ROCK ISLAND, IL 61201
* $ 256,815,000 2 $ 57,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 281,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,183,835,000 2 $ 391,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 979,204,000 2 $ 152,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,371,264,000 2 $ 365,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 373,064,000 1 $ 209,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,727,490,000 1 $ 72,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 1 $ 186,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,424,729,000 1 $ 275,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ 10,000,000 1 $ 72,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 183,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ 4,993,000 1 $ 61,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 117,000
Lument Real Estate Capital
10 W BROAD STREET, 8TH FLOOR
COLUMBUS, OH 43215
* $ 10,000,000 1 $ 1,240,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 1 $ 136,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 91,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 325,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 1,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 822,125,000 1 $ 236,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ 10,000,000 1 $ 120,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 221,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ 176,870,000 1 $ 105,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 102,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 150,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 552,179,000 1 $ 10,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 95,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 1 $ 112,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 152,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,781,238,000 1 $ 109,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 1 $ 91,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 104,474,692,000 1 $ 100,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 202,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 158,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 174,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 102,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 121,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 193,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 108,000
Winfirst Bank
57 SOUTH MAIN STREET
WINCHESTER, KY 40391
* $ 163,499,000 1 $ 42,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 118,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 689,333,000 1 $ 50,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 122,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 3,124,382,000 1 $ 87,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 2,028,213,000 1 $ 192,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 67,000

The tables below break down 2015 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 2015

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 337 $46,338,000 $137,000 $760,000 $63,000 $796,000
Home Purchase 303 $45,039,000 $148,000 $1,722,000 $71,000 $1,954,000
Home Improvement 44 $3,916,000 $89,000 $1,240,000 $64,000 $218,000

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 521 $73,849,000 $141,000 $1,722,000 $75,000 $1,954,000
Not applicable 84 $13,557,000 $161,000 $1,240,000 $17,000 $207,000
Not Provided 44 $4,638,000 $105,000 $317,000 $74,000 $561,000
Black or African American 20 $1,676,000 $83,000 $266,000 $52,000 $107,000
Hispanic 10 $1,005,000 $100,000 $195,000 $41,000 $67,000
American Indian or Alaskan Native 2 $137,000 $68,000 $82,000 $9,000 $19,000
Asian 2 $211,000 $105,000 $115,000 $98,000 $167,000
Native Hawaiian or Other Pacific Islander 1 $220,000 $220,000 $220,000 $56,000 $56,000

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) 450 $62,894,000 $139,000 $1,722,000 $82,000 $1,954,000
FHA-insured (Federal Housing Administration) 115 $14,944,000 $129,000 $1,240,000 $32,000 $148,000
VA-guaranteed (Veterans Administration) 63 $10,916,000 $173,000 $394,000 $50,000 $172,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 56 $6,539,000 $116,000 $204,000 $31,000 $80,000

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 374 $54,904,000 $146,000 $1,722,000 $82,000 $1,954,000
Application Denied By Financial Institution 123 $15,104,000 $122,000 $760,000 $55,000 $254,000
Loan Purchased By The Institution 86 $12,586,000 $146,000 $379,000 $30,000 $207,000
Application Withdrawn By Applicant 54 $7,035,000 $130,000 $444,000 $53,000 $127,000
File Closed For Incompleteness 27 $3,267,000 $121,000 $305,000 $53,000 $135,000
Application Approved But Not Accepted 20 $2,397,000 $119,000 $240,000 $68,000 $158,000
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 21 $2,260,000 $107,000 $402,000 $69,000 $153,000
Collateral 15 $1,758,000 $117,000 $325,000 $57,000 $109,000
Debt-To-Income Ratio 12 $1,664,000 $138,000 $300,000 $50,000 $116,000
Credit Application Incomplete 10 $1,323,000 $132,000 $400,000 $70,000 $134,000
Other 8 $1,485,000 $185,000 $760,000 $79,000 $254,000
Unverifiable Information 1 $32,000 $32,000 $32,000 $121,000 $121,000
Employment History 1 $271,000 $271,000 $271,000 $42,000 $42,000
Insufficient Cash (Downpayment, Closing Cost) 1 $87,000 $87,000 $87,000 $56,000 $56,000
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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