Breathitt County, KY Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 410 mortgage applications in Breathitt County, KY totaling $23.0 million, down 8% from 2004. The average application was for $56,000, and applicants reported an average income of $49,000. 21% of applications resulted in an originated loan and 43% were denied. The most active lender was Vanderbilt Mortgage, with 43 applications, followed by Origen Financial Services LLC and Beneficial Company LLC.
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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 | 410 |
| Total Mortgage Loan Application Amount | $23,000,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $195,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $3,356,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 43 | $ 1,626,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 37 | $ 1,410,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 34 | $ 1,677,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 33 | $ 1,462,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,101,493,000 | 26 | $ 936,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 17 | $ 1,701,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 13 | $ 534,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,698,709,000 | 12 | $ 533,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 783,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 11 | $ 1,157,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 11 | $ 545,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 9 | $ 867,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 8 | $ 327,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 8 | $ 750,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 953,604,000,000 | 7 | $ 206,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 6 | $ 238,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 615,514,000 | 5 | $ 165,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 5 | $ 513,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,043,312,000 | 5 | $ 228,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 5 | $ 230,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 469,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 5 | $ 323,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 4 | $ 272,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 4 | $ 99,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 231,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 154,000 |
| Advent Mortgage, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 3 | $ 416,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 178,668,000 | 3 | $ 214,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 3 | $ 7,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 332,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 13,102,536,000 | 3 | $ 281,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 967,365,000,000 | 3 | $ 154,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 187,073,000 | 3 | $ 260,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 2 | $ 10,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 98,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 2 | $ 201,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 2 | $ 325,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 138,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 105,147,000 | 2 | $ 77,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 222,794,000 | 2 | $ 39,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 2 | $ 57,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 2 | $ 179,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 2 | $ 103,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 2 | $ 36,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,172,397,000 | 1 | $ 119,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 1 | $ 52,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 771,618,758,000 | 1 | $ 35,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 144,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,807,417,000 | 1 | $ 48,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 36,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Home Loan Corporation 450 GEARS ROAD, SUITE 600 HOUSTON, TX 77067 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 1 | $ 10,000 |
| First Street Financial, Inc. 310 COMMERCE, SUITE 150 IRVINE, CA 92602 |
* | $ 10,000,000 | 1 | $ 83,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 120,000 |
| Prime Financial Credit Union 5656 S PACKARD AVE CUDAHY, WI 53110 |
* | $ 147,866,000 | 1 | $ 42,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Ownit Mortgage Solutions, Inc 27349 AGOURA RD # 100 AGOURA HILLS, CA 91301 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 137,000 |
| United Financial Mortgage Corp 815 COMMERCE DRIVE SUITE 100 OAK BROOK, IL 60523 |
* | $ 10,000,000 | 1 | $ 42,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 1 | $ 35,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 117,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 1 | $ 183,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 27,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 88,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 1 | $ 85,000 |
| Irwin Home Equity Corporation 500 WASHINGTON ST COLUMBUS, IN 47201 |
* | $ 4,870,451,000 | 1 | $ 35,000 |
| Irwin Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 47037 |
* | $ 4,870,451,000 | 1 | $ 119,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 442,207,000 | 1 | $ 50,000 |
| Lasalle Bank Midwest, NA 2600 WEST BIG BEAVER ROAD TROY, MI 48084 |
* | $ 39,128,455,000 | 1 | $ 3,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 3,919,502,000 | 1 | $ 66,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 1 | $ 15,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 130,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 97,000 |
The tables below break down 2005 mortgage applications in Breathitt 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 Breathitt County, KY in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 197 | $9,276,000 | $47,000 | $183,000 | $60,000 | $3,356,000 |
| Refinancing | 177 | $12,808,000 | $72,000 | $195,000 | $43,000 | $715,000 |
| Home Improvement | 36 | $916,000 | $25,000 | $185,000 | $38,000 | $99,000 |
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 | 324 | $16,396,000 | $50,000 | $185,000 | $50,000 | $3,356,000 |
| Not Provided | 52 | $4,874,000 | $93,000 | $195,000 | $50,000 | $135,000 |
| Not applicable | 29 | $1,452,000 | $50,000 | $165,000 | $6,000 | $42,000 |
| Black or African American | 3 | $142,000 | $47,000 | $56,000 | $104,000 | $264,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $64,000 | $64,000 |
| American Indian or Alaskan Native | 1 | $96,000 | $96,000 | $96,000 | $30,000 | $30,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 385 | $21,660,000 | $56,000 | $195,000 | $49,000 | $3,356,000 |
| FHA-insured (Federal Housing Administration) | 20 | $785,000 | $39,000 | $89,000 | $73,000 | $264,000 |
| VA-guaranteed (Veterans Administration) | 3 | $465,000 | $155,000 | $165,000 | $36,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $90,000 | $45,000 | $55,000 | $35,000 | $42,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 177 | $8,531,000 | $48,000 | $195,000 | $37,000 | $264,000 |
| Loan Originated | 86 | $4,902,000 | $57,000 | $189,000 | $44,000 | $128,000 |
| Application Approved But Not Accepted | 52 | $2,855,000 | $54,000 | $144,000 | $40,000 | $264,000 |
| Application Withdrawn By Applicant | 51 | $3,925,000 | $76,000 | $188,000 | $48,000 | $715,000 |
| Loan Purchased By The Institution | 37 | $2,204,000 | $59,000 | $169,000 | $149,000 | $3,356,000 |
| File Closed For Incompleteness | 7 | $583,000 | $83,000 | $190,000 | $53,000 | $106,000 |
| 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 | 38 | $1,601,000 | $42,000 | $136,000 | $33,000 | $92,000 |
| Other | 18 | $1,064,000 | $59,000 | $156,000 | $36,000 | $71,000 |
| Credit Application Incomplete | 7 | $372,000 | $53,000 | $85,000 | $26,000 | $64,000 |
| Debt-To-Income Ratio | 7 | $353,000 | $50,000 | $67,000 | $27,000 | $60,000 |
| Collateral | 3 | $399,000 | $133,000 | $195,000 | $66,000 | $100,000 |
| Unverifiable Information | 2 | $102,000 | $51,000 | $72,000 | $40,000 | $50,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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