Boyd County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 2,238 mortgage applications in Boyd County, KY totaling $235.9 million, down 1% from 2010. The average application was for $105,000, and applicants reported an average income of $72,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was City National Bank of Wv, with 235 applications, followed by Desco Federal Credit Union and Community Trust Bank, Inc..

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Total Number of Mortgage Applications 2,238
Total Mortgage Loan Application Amount $235,916,000
Average Mortgage Loan Application Amount $105,000
Highest Mortgage Loan Application Amount $925,000
Average Applicant Income $72,000
Highest Applicant Income $1,202,000

Mortgage Company List for Lending in Boyd 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
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,613,220,000 235 $ 23,108,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 242,954,000 175 $ 21,556,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 166 $ 17,216,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 143 $ 12,936,000
Town Square Bank
1500 CARTER AVENUE
ASHLAND, KY 41105
* $ 287,604,000 136 $ 15,212,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 124 $ 11,975,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 121 $ 14,327,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 105 $ 11,527,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 82 $ 10,278,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 81 $ 4,658,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 79 $ 7,790,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 56 $ 6,696,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 56 $ 6,468,000
Kentucky Farmers Bank Corporation
6313 US RT 60
ASHLAND, KY 41102
* $ 164,067,000 49 $ 2,421,000
Peoples Bank, National Associa
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 1,830,322,000 47 $ 4,122,000
Members Choice Credit Union
145 RUSSELL RD
ASHLAND, KY 41101
* $ 135,517,000 45 $ 3,242,000
Town Square Bank Inc
PO BOX 2289
ASHLAND, KY 41105
* $ 168,808,000 38 $ 2,575,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 27 $ 2,809,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 20 $ 2,267,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 577,869,000 20 $ 2,252,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 20 $ 2,134,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 19 $ 3,606,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 19 $ 2,126,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 17 $ 2,484,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 16 $ 2,051,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 16 $ 2,272,000
First & Peoples Bank and Trust Company
1001 DIEDERICH BLVD
RUSSELL, KY 41169
* $ 190,570,000 15 $ 756,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 14 $ 1,291,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 11 $ 1,165,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 11 $ 1,059,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 11 $ 2,179,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 11 $ 1,749,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 10 $ 1,268,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 10 $ 498,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 9 $ 1,242,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 8 $ 1,062,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 8 $ 1,006,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 8 $ 1,078,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 8 $ 921,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 6 $ 503,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 6 $ 1,116,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 6 $ 1,216,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 5,348,107,000 5 $ 365,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 5 $ 428,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 5 $ 666,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 4 $ 340,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 349,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 4 $ 329,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 398,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 4 $ 434,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 4 $ 270,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 174,229,000 3 $ 251,000
First Priority Federal Credit Union
9408 VIRGINIA AVE
HUNTINGTON, WV 25701
* $ 49,971,000 3 $ 73,000
Advantage Bank
814 WHEELING AVE
CAMBRIDGE, OH 43725
* $ 816,770,000 3 $ 235,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 3 $ 417,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 545,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 3 $ 552,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 371,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 388,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 3 $ 230,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 2 $ 470,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 137,130,000 2 $ 124,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 2 $ 283,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 161,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 2 $ 222,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 2 $ 200,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,319,293,000 2 $ 278,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 2,001,416,000 2 $ 164,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 382,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 658,623,000 2 $ 353,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 147,000
First Sentry Bank, Inc.
823 EIGHTH STREET
HUNTINGTON, WV 25701
* $ 490,689,000 2 $ 213,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 126,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 2 $ 148,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 167,000
CU Channels
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ 505,929,000 2 $ 104,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 379,380,000 1 $ 15,000
First Internet Bank of Indiana
11201 USA PARKWAY
FISHERS, IN 46038
* $ 502,376,000 1 $ 106,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,124,635,000 1 $ 169,000
Ohio River Bank
221 RAILROAD STREET
IRONTON, OH 45638
* $ 94,652,000 1 $ 7,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 1 $ 286,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 540,392,000 1 $ 51,000
United Bank Inc
5TH & AVERY/UNITED SQUARE
PARKERSBURG, WV 26102
* $ 3,465,028,000 1 $ 140,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,587,678,000 1 $ 55,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 49,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 103,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 146,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 1 $ 291,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 12,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 139,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 249,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 151,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 107,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 1 $ 118,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 84,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ 10,000,000 1 $ 84,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 1 $ 67,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 354,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 131,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 1 $ 7,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 139,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 39,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 1 $ 134,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 118,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 1 $ 89,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,856,646,000,000 1 $ 65,000
Arvest Mortgage Company
931 W MONROE
LOWELL, AR 72745
* $ 11,516,509,000 1 $ 74,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 139,000

The tables below break down 2011 mortgage applications in Boyd 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 Boyd 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 1,345 $157,060,000 $116,000 $925,000 $76,000 $1,164,000
Home Purchase 694 $69,396,000 $99,000 $523,000 $63,000 $1,202,000
Home Improvement 199 $9,460,000 $47,000 $515,000 $78,000 $1,033,000

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 2,004 $209,576,000 $104,000 $925,000 $74,000 $1,202,000
Not Provided 117 $13,669,000 $116,000 $924,000 $70,000 $719,000
Not applicable 72 $7,984,000 $110,000 $841,000 $10,000 $265,000
Black or African American 26 $2,849,000 $109,000 $249,000 $62,000 $250,000
Hispanic 9 $679,000 $75,000 $185,000 $61,000 $200,000
Asian 8 $1,046,000 $130,000 $284,000 $192,000 $680,000
American Indian or Alaskan Native 2 $113,000 $56,000 $106,000 $64,000 $105,000
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) 1,701 $176,031,000 $103,000 $925,000 $79,000 $1,202,000
FHA-insured (Federal Housing Administration) 410 $44,273,000 $107,000 $580,000 $47,000 $250,000
VA-guaranteed (Veterans Administration) 92 $12,012,000 $130,000 $413,000 $48,000 $140,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 35 $3,600,000 $102,000 $246,000 $53,000 $510,000

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 1,157 $121,078,000 $104,000 $890,000 $82,000 $1,202,000
Application Denied By Financial Institution 485 $46,691,000 $96,000 $925,000 $62,000 $790,000
Loan Purchased By The Institution 246 $28,576,000 $116,000 $417,000 $48,000 $265,000
Application Withdrawn By Applicant 183 $22,096,000 $120,000 $580,000 $70,000 $1,033,000
Application Approved But Not Accepted 132 $13,040,000 $98,000 $417,000 $71,000 $490,000
File Closed For Incompleteness 35 $4,435,000 $126,000 $354,000 $66,000 $240,000
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 142 $11,201,000 $78,000 $534,000 $59,000 $288,000
Collateral 84 $9,861,000 $117,000 $924,000 $86,000 $719,000
Debt-To-Income Ratio 62 $6,506,000 $104,000 $394,000 $64,000 $400,000
Credit Application Incomplete 51 $5,265,000 $103,000 $397,000 $60,000 $180,000
Other 17 $2,769,000 $162,000 $925,000 $106,000 $790,000
Employment History 7 $654,000 $93,000 $219,000 $39,000 $69,000
Insufficient Cash (Downpayment, Closing Cost) 6 $584,000 $97,000 $183,000 $63,000 $112,000
Unverifiable Information 5 $609,000 $121,000 $231,000 $35,000 $100,000
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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