Bracken County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 543 mortgage applications in Bracken County, KY totaling $51.8 million, up 11% from 2008. The average application was for $95,000, and applicants reported an average income of $57,000. 51% of applications resulted in an originated loan and 28% were denied. The most active lender was The First National Bank of Brooksville, with 117 applications, followed by US Bank North Dakota and Citizens Deposit Bank & Trust.
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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 | 543 |
| Total Mortgage Loan Application Amount | $51,750,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $1,837,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $946,000 |
* 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 |
|---|---|---|---|---|
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 64,186,000 | 117 | $ 7,496,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 100 | $ 8,160,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 125,533,000 | 43 | $ 3,476,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 28 | $ 3,283,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 21 | $ 2,658,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 20 | $ 2,474,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 20 | $ 1,837,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 14 | $ 1,869,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 13 | $ 730,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 13 | $ 745,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 12 | $ 815,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 12 | $ 1,602,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 9 | $ 941,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 7 | $ 676,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 7 | $ 1,146,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 641,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 646,321,000 | 5 | $ 574,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 5 | $ 228,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 650,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,706,972,000 | 4 | $ 2,166,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 3 | $ 541,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 3 | $ 306,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 309,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 3 | $ 267,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 528,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 3 | $ 396,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 3 | $ 413,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 3 | $ 325,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 434,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 3 | $ 327,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 295,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 130,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 232,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 2 | $ 388,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 830,760,000 | 2 | $ 360,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 2 | $ 380,000 |
| Farmers National Bank 13447 DIXIE HWY P O BOX 128 WALTON, KY 41094 |
* | $ 68,765,000 | 2 | $ 85,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 129,691,000 | 2 | $ 226,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,253,995,000 | 2 | $ 150,000 |
| Citizens Bank of Northern Ky 103 CHURCHILL DRIVE NEWPORT, KY 41071 |
* | $ 274,933,000 | 1 | $ 106,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 111,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 274,379,000 | 1 | $ 128,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 95,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,311,463,000 | 1 | $ 43,000 |
| Victory Community Bank 2500 CHAMBER CENTER DRIVE FORT MITCHELL, KY 41017 |
* | $ 141,356,000 | 1 | $ 163,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,518,475,000 | 1 | $ 111,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 279,777,049,000 | 1 | $ 271,000 |
| Grant County Deposit Bank 106 NORTH MAIN P.O. BOX 399 WILLIAMSTOWN, KY 41097 |
* | $ 101,189,000 | 1 | $ 34,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 213,972,000 | 1 | $ 19,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,725,957,000 | 1 | $ 5,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 131,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 112,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 50,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 137,626,000 | 1 | $ 128,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 19,000 |
| Incenta 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 62,610,000 | 1 | $ 20,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 94,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 833,513,000 | 1 | $ 70,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 1,474,002,000 | 1 | $ 112,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 247,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 142,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 183,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Multi-State Home Lending Inc. 2081 BUSINESS CENTER DRIVE SUITE 190 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 123,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 109,000 |
The tables below break down 2009 mortgage applications in Bracken 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 Bracken County, KY in 2009
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 | 347 | $36,616,000 | $105,000 | $417,000 | $56,000 | $770,000 |
| Home Purchase | 129 | $13,369,000 | $103,000 | $1,837,000 | $58,000 | $946,000 |
| Home Improvement | 67 | $1,765,000 | $26,000 | $215,000 | $60,000 | $200,000 |
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 | 478 | $45,442,000 | $95,000 | $1,837,000 | $60,000 | $946,000 |
| Not Provided | 37 | $3,481,000 | $94,000 | $271,000 | $60,000 | $138,000 |
| Not applicable | 26 | $2,643,000 | $101,000 | $233,000 | $6,000 | $53,000 |
| Hispanic | 2 | $184,000 | $92,000 | $92,000 | $58,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 433 | $38,990,000 | $90,000 | $1,837,000 | $62,000 | $946,000 |
| FHA-insured (Federal Housing Administration) | 91 | $10,739,000 | $118,000 | $266,000 | $42,000 | $121,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,345,000 | $103,000 | $157,000 | $27,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 6 | $676,000 | $112,000 | $222,000 | $34,000 | $71,000 |
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 | 279 | $26,310,000 | $94,000 | $1,837,000 | $66,000 | $946,000 |
| Application Denied By Financial Institution | 153 | $13,216,000 | $86,000 | $417,000 | $54,000 | $344,000 |
| Loan Purchased By The Institution | 58 | $6,613,000 | $114,000 | $230,000 | $23,000 | $114,000 |
| Application Withdrawn By Applicant | 27 | $2,491,000 | $92,000 | $247,000 | $57,000 | $120,000 |
| Application Approved But Not Accepted | 17 | $1,776,000 | $104,000 | $240,000 | $53,000 | $115,000 |
| File Closed For Incompleteness | 9 | $1,344,000 | $149,000 | $271,000 | $60,000 | $120,000 |
| 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 | 54 | $3,107,000 | $57,000 | $260,000 | $51,000 | $123,000 |
| Collateral | 37 | $4,373,000 | $118,000 | $417,000 | $73,000 | $344,000 |
| Debt-To-Income Ratio | 18 | $1,995,000 | $110,000 | $325,000 | $35,000 | $114,000 |
| Other | 5 | $264,000 | $52,000 | $130,000 | $44,000 | $80,000 |
| Unverifiable Information | 3 | $353,000 | $117,000 | $143,000 | $54,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $158,000 | $52,000 | $94,000 | $87,000 | $138,000 |
| Credit Application Incomplete | 2 | $205,000 | $102,000 | $119,000 | $48,000 | $53,000 |
| Employment History | 1 | $19,000 | $19,000 | $19,000 | $21,000 | $21,000 |
| 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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