Boyle County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 975 mortgage applications in Boyle County, KY totaling $124.3 million, down 11% from 2010. The average application was for $127,000, and applicants reported an average income of $65,000. 43% of applications resulted in an originated loan and 19% were denied. The most active lender was JPMorgan Chase Bank, NA, with 100 applications, followed by Wells Fargo Bank NA and PNC Bank N.A..

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Total Number of Mortgage Applications 975
Total Mortgage Loan Application Amount $124,341,000
Average Mortgage Loan Application Amount $127,000
Highest Mortgage Loan Application Amount $1,716,000
Average Applicant Income $65,000
Highest Applicant Income $985,000

Mortgage Company List for Lending in Boyle 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
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 100 $ 12,159,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 85 $ 11,546,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 56 $ 4,729,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 48 $ 6,953,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 43 $ 4,824,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 42 $ 3,841,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 40 $ 6,197,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 38 $ 6,480,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 36 $ 4,873,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 36 $ 4,776,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 34 $ 4,224,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 930,431,000 30 $ 2,871,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 26 $ 3,074,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 19 $ 942,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 17 $ 1,831,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 15 $ 1,366,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 13 $ 1,788,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 655,223,000 11 $ 1,549,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 11 $ 1,112,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 10 $ 1,062,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 10 $ 1,234,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 8 $ 1,207,000
Independence Bank
13100 NORTHWEST FREEWAY SUITE 100
HOUSTON, TX 77040
* $ 167,069,000 8 $ 924,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 8 $ 1,070,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 8 $ 1,043,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 137,130,000 7 $ 983,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 899,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 1,197,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 7 $ 896,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 7 $ 1,100,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 7 $ 1,461,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 6 $ 1,836,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,587,678,000 6 $ 1,685,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 6 $ 530,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 6 $ 2,088,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 592,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 5 $ 814,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 4 $ 658,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 4 $ 602,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 4 $ 548,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 377,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 644,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 4 $ 406,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 4 $ 560,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 3 $ 207,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 3 $ 258,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 485,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 3 $ 434,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,856,646,000,000 2 $ 118,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 105,000
UBS Ag, Tampa Branch
3000 BAYPORT
TAMPA, FL 33607
* $ 1,400,000,000 2 $ 351,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 176,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 2 $ 148,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 2 $ 163,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 197,000
Qr Lending Inc
555 ZOR SHRINE PLACE
MADISON, WI 53719
* $ 1,093,327,000 2 $ 205,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 2 $ 86,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 2 $ 274,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 2 $ 274,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 2 $ 430,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 455,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 283,342,000 2 $ 254,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 2 $ 476,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 2 $ 326,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 658,623,000 2 $ 383,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 2,753,046,000 2 $ 220,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 628,498,000 1 $ 132,000
First State Bank
221 HARRISON ST
UNION CITY, TN 38261
* $ 1,476,966,000 1 $ 321,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,063,725,000 1 $ 78,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 318,387,000 1 $ 69,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 1 $ 52,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 1 $ 90,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 91,323,000 1 $ 68,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 614,260,000 1 $ 156,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 1,228,405,000 1 $ 100,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 10,000,000 1 $ 98,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 416,689,000 1 $ 22,000
Alliance Banking Company
695 BULLION BLVD
WINCHESTER, KY 40391
* $ 59,224,000 1 $ 72,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 124,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 781,696,000 1 $ 70,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 379,380,000 1 $ 11,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 1 $ 40,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 69,000
Miami University Community Federal Credit Union
5120 COLLEGE CORNER PIKE
OXFORD, OH 45056
* $ 47,551,000 1 $ 22,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 86,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 100,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 123,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 142,000
Lsi Mortgage Plus
6470 E JOHNS CROSSING STE 400
DULUTH, GA 30097
* $ 1,704,000 1 $ 152,000
National Bank of St Anne
158 WEST STATION ST
ST ANNE, IL 60964
* $ 45,737,000 1 $ 81,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 467,975,000 1 $ 50,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 91,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 145,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 69,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 126,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 190,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 243,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 83,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 125,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 140,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 203,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 1 $ 242,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 933,501,000 1 $ 121,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 1 $ 184,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 703,619,000 1 $ 170,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 1 $ 91,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 1 $ 87,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 130,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,217,801,000 1 $ 10,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 191,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 297,097,000 1 $ 69,000

The tables below break down 2011 mortgage applications in Boyle 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 Boyle 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 638 $85,454,000 $133,000 $1,716,000 $71,000 $985,000
Home Purchase 308 $37,584,000 $122,000 $968,000 $55,000 $487,000
Home Improvement 29 $1,303,000 $44,000 $205,000 $51,000 $117,000

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 718 $89,639,000 $124,000 $1,230,000 $70,000 $985,000
Not applicable 108 $15,581,000 $144,000 $1,716,000 $26,000 $985,000
Not Provided 100 $13,480,000 $134,000 $348,000 $76,000 $504,000
Black or African American 33 $2,602,000 $78,000 $225,000 $48,000 $178,000
Asian 7 $1,545,000 $220,000 $417,000 $136,000 $419,000
Hispanic 4 $447,000 $111,000 $133,000 $29,000 $49,000
American Indian or Alaskan Native 3 $330,000 $110,000 $159,000 $80,000 $157,000
Native Hawaiian or Other Pacific Islander 2 $717,000 $358,000 $417,000 $104,000 $120,000

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) 665 $86,337,000 $129,000 $1,716,000 $74,000 $985,000
FHA-insured (Federal Housing Administration) 211 $25,915,000 $122,000 $452,000 $47,000 $435,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 57 $5,440,000 $95,000 $149,000 $30,000 $58,000
VA-guaranteed (Veterans Administration) 42 $6,649,000 $158,000 $356,000 $62,000 $159,000

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 419 $55,792,000 $133,000 $1,716,000 $77,000 $985,000
Loan Purchased By The Institution 193 $25,699,000 $133,000 $417,000 $48,000 $985,000
Application Denied By Financial Institution 189 $21,632,000 $114,000 $856,000 $65,000 $706,000
Application Withdrawn By Applicant 101 $12,847,000 $127,000 $356,000 $54,000 $182,000
Application Approved But Not Accepted 41 $4,213,000 $102,000 $271,000 $55,000 $170,000
File Closed For Incompleteness 32 $4,158,000 $129,000 $452,000 $73,000 $175,000
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 40 $4,611,000 $115,000 $452,000 $77,000 $473,000
Collateral 32 $3,852,000 $120,000 $417,000 $69,000 $180,000
Credit Application Incomplete 25 $2,699,000 $107,000 $282,000 $59,000 $237,000
Debt-To-Income Ratio 22 $2,470,000 $112,000 $321,000 $42,000 $170,000
Other 7 $1,000,000 $142,000 $344,000 $118,000 $504,000
Unverifiable Information 4 $415,000 $103,000 $149,000 $62,000 $119,000
Insufficient Cash (Downpayment, Closing Cost) 3 $157,000 $52,000 $96,000 $42,000 $70,000
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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