Butler County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 418 mortgage applications in Butler County, KY totaling $32.1 million, up 24% from 2010. The average application was for $76,000, and applicants reported an average income of $49,000. 54% of applications resulted in an originated loan and 21% were denied. The most active lender was Morgantown Bank & Trust Co Inc, with 127 applications, followed by Limestone Bank, Inc. and Bank of America 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 | 418 |
| Total Mortgage Loan Application Amount | $32,131,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $401,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $579,000 |
* 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 |
|---|---|---|---|---|
| Morgantown Bank & Trust Co Inc PO BOX 68 MORGANTOWN, KY 42261 |
* | $ 131,722,000 | 127 | $ 5,552,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,719,502,000 | 55 | $ 3,912,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 15 | $ 1,465,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 13 | $ 1,789,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 12 | $ 1,104,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,047,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 11 | $ 1,500,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 11 | $ 934,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 759,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 418,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 8 | $ 623,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 130,979,000 | 8 | $ 807,000 |
| Service One Credit Union P.O. BOX 51770 BOWLING GREEN, KY 42102 |
* | $ 98,901,000 | 7 | $ 540,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 6 | $ 717,000 |
| The Farmers National Bank of Scottsville 1595 VETERANS MEMORIAL HWY SCOTTSVILLE, KY 42164 |
* | $ 239,290,000 | 6 | $ 120,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 6 | $ 712,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 710,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 6 | $ 511,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 5 | $ 411,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 5 | $ 426,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 4 | $ 166,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 3 | $ 226,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 3 | $ 178,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 375,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 3 | $ 285,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 3 | $ 281,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 655,223,000 | 3 | $ 330,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 3 | $ 384,000 |
| Bank of Edmonson County PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ 195,962,000 | 3 | $ 256,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 162,509,568,000 | 2 | $ 213,000 |
| Franklin Bank & Trust Company P.O. BOX 449 FRANKLIN, KY 42134 |
* | $ 347,192,000 | 2 | $ 71,000 |
| Citizens First Bank, Inc. 1805 CAMPBELL LN BOWLING GREEN, KY 42104 |
* | $ 349,412,000 | 2 | $ 117,000 |
| American Bank & Trust Company Inc. 1302 SCOTTSVILLE ROAD BOWLING GREEN, KY 42102 |
* | $ 234,789,000 | 2 | $ 60,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 459,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 164,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 304,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 2 | $ 140,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 2 | $ 140,000 |
| The Lincoln National Bank of Hodgenville P.O. BOX 9, 41 LINCOLN SQUARE HODGENVILLE, KY 42748 |
* | $ 146,587,000 | 1 | $ 80,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 101,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 147,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 91,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 1 | $ 81,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 61,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 230,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 74,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 178,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 83,000 |
| Lsi Mortgage Plus 6470 E JOHNS CROSSING STE 400 DULUTH, GA 30097 |
* | $ 1,704,000 | 1 | $ 187,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 257,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 930,431,000 | 1 | $ 100,000 |
| CU Channels 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 505,929,000 | 1 | $ 50,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 88,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,524,028,000 | 1 | $ 60,000 |
| South Central Bank of Bowling 1757 CAMPBELL LANE BOWLING GREEN, KY 42104 |
* | $ 224,915,000 | 1 | $ 97,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 335,824,000 | 1 | $ 20,000 |
| The Cecilian Bank 104 EAST MAIN STREET CECILIA, KY 42724 |
* | $ 470,804,000 | 1 | $ 93,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,001,416,000 | 1 | $ 57,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 247,938,000 | 1 | $ 98,000 |
| University Bank 2015 WASHTENAW AVE ANN ARBOR, MI 48104 |
* | $ 115,146,000 | 1 | $ 131,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 403,959,000 | 1 | $ 155,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,311,970,000 | 1 | $ 179,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 194,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ 164,067,000 | 1 | $ 72,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 1 | $ 180,000 |
The tables below break down 2011 mortgage applications in Butler 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 Butler 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 | 191 | $20,738,000 | $108,000 | $401,000 | $56,000 | $162,000 |
| Home Purchase | 143 | $10,132,000 | $70,000 | $265,000 | $43,000 | $579,000 |
| Home Improvement | 84 | $1,261,000 | $15,000 | $142,000 | $41,000 | $129,000 |
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 | 363 | $26,858,000 | $73,000 | $401,000 | $52,000 | $579,000 |
| Not applicable | 29 | $2,689,000 | $92,000 | $155,000 | $9,000 | $86,000 |
| Not Provided | 21 | $2,299,000 | $109,000 | $240,000 | $43,000 | $122,000 |
| Hispanic | 3 | $252,000 | $84,000 | $147,000 | $41,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $19,000 | $19,000 | $19,000 | $54,000 | $54,000 |
| Black or African American | 1 | $14,000 | $14,000 | $14,000 | $34,000 | $34,000 |
| 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) | 325 | $22,487,000 | $69,000 | $401,000 | $51,000 | $579,000 |
| FHA-insured (Federal Housing Administration) | 73 | $7,308,000 | $100,000 | $219,000 | $38,000 | $158,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,357,000 | $90,000 | $142,000 | $31,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 5 | $979,000 | $195,000 | $262,000 | $89,000 | $117,000 |
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 | 227 | $15,852,000 | $69,000 | $401,000 | $55,000 | $579,000 |
| Application Denied By Financial Institution | 89 | $6,555,000 | $73,000 | $255,000 | $41,000 | $158,000 |
| Loan Purchased By The Institution | 45 | $4,610,000 | $102,000 | $262,000 | $29,000 | $155,000 |
| Application Withdrawn By Applicant | 40 | $3,450,000 | $86,000 | $194,000 | $52,000 | $190,000 |
| Application Approved But Not Accepted | 16 | $1,526,000 | $95,000 | $266,000 | $48,000 | $129,000 |
| File Closed For Incompleteness | 1 | $138,000 | $138,000 | $138,000 | $35,000 | $35,000 |
| 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 | 16 | $951,000 | $59,000 | $140,000 | $45,000 | $90,000 |
| Debt-To-Income Ratio | 10 | $542,000 | $54,000 | $96,000 | $30,000 | $68,000 |
| Collateral | 8 | $1,108,000 | $138,000 | $240,000 | $68,000 | $158,000 |
| Credit Application Incomplete | 4 | $359,000 | $89,000 | $158,000 | $40,000 | $55,000 |
| Other | 3 | $167,000 | $55,000 | $110,000 | $36,000 | $39,000 |
| Employment History | 1 | $166,000 | $166,000 | $166,000 | $68,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $68,000 | $68,000 | $68,000 | $22,000 | $22,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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