Butler County, KY Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 509 mortgage applications in Butler County, KY totaling $69.3 million, down 3% from 2020. The average application was for $136,000, and applicants reported an average income of $76,000. 57% of applications resulted in an originated loan and 18% were denied. The most active lender was Morgantown Bank & Trust Co Inc, with 74 applications, followed by Citizens Bank, NA and Vanderbilt Mortgage and Finance, Inc.
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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 | 509 |
| Total Mortgage Loan Application Amount | $69,305,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $1,833,000 |
* 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 |
* | $ 207,027,000 | 74 | $ 7,630,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 58 | $ 8,060,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 31 | $ 2,705,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 31 | $ 3,085,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 25 | $ 3,315,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 15 | $ 2,845,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 14 | $ 2,020,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,275,110,000 | 13 | $ 1,875,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 11 | $ 1,895,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 9 | $ 985,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 9 | $ 1,435,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 9 | $ 2,105,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 7 | $ 1,055,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 7 | $ 1,095,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 7 | $ 1,195,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,239,472,000 | 6 | $ 530,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 6 | $ 1,070,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,020,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 865,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 5 | $ 1,085,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 4 | $ 630,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 4 | $ 430,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 4 | $ 1,020,000 |
| Service One Credit Union P.O. BOX 51770 BOWLING GREEN, KY 42102 |
* | $ 175,969,000 | 4 | $ 480,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 4 | $ 490,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 220,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,660,163,000 | 4 | $ 660,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 288,916,000 | 4 | $ 560,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 395,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 595,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 185,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 4,385,485,000 | 3 | $ 395,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 160,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 895,737,000 | 2 | $ 410,000 |
| Franklin Bank & Trust Company P.O. BOX 449 FRANKLIN, KY 42134 |
* | $ 551,535,000 | 2 | $ 120,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 2 | $ 270,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 360,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 2 | $ 270,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ -1,000 | 2 | $ 520,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 2,596,482,000 | 2 | $ 260,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 240,000 |
| American Bank & Trust Company Inc. 1302 SCOTTSVILLE ROAD BOWLING GREEN, KY 42102 |
* | $ 436,372,000 | 2 | $ 340,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 2 | $ 250,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 410,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 564,599,000 | 1 | $ 55,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 185,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 25,000 |
| Farmers Bank and Trust Company 201 SOUTH MAIN STREET MARION, KY 42064 |
* | $ 374,295,000 | 1 | $ 165,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 135,000 |
| Bank of Edmonson County PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ 217,381,000 | 1 | $ 65,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 95,000 |
| Ameris Bank 300 SOUTH MAIN STREET ATLANTA, GA 30305 |
* | $ 18,156,981,000 | 1 | $ 85,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 1 | $ 125,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 175,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 225,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 125,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 55,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 105,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 155,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 155,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 255,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 195,000 |
| Transcend Credit Union 3740 BARDSTOWN ROAD LOUISVILLE, KY 40218 |
* | $ 445,359,000 | 1 | $ 145,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 225,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 85,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 1 | $ 85,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 155,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 265,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 135,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 385,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 5,611,084,000 | 1 | $ 195,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 265,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 1 | $ 55,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 1 | $ 185,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2021 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 2021
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 | 252 | $34,840,000 | $138,000 | $545,000 | $75,000 | $1,833,000 |
| Refinancing | 159 | $22,915,000 | $144,000 | $985,000 | $76,000 | $265,000 |
| Cash-out Refinancing | 73 | $10,385,000 | $142,000 | $305,000 | $84,000 | $208,000 |
| Other Purpose | 14 | $610,000 | $43,000 | $105,000 | $72,000 | $147,000 |
| Home Improvement | 10 | $500,000 | $50,000 | $105,000 | $66,000 | $138,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
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 | 456 | $61,950,000 | $135,000 | $985,000 | $78,000 | $1,833,000 |
| Not Provided | 31 | $3,985,000 | $128,000 | $305,000 | $48,000 | $100,000 |
| Not applicable | 15 | $2,345,000 | $156,000 | $295,000 | $65,000 | $65,000 |
| Hispanic | 4 | $600,000 | $150,000 | $225,000 | $73,000 | $124,000 |
| American Indian or Alaskan Native | 2 | $290,000 | $145,000 | $145,000 | $66,000 | $80,000 |
| Black or African American | 1 | $135,000 | $135,000 | $135,000 | $54,000 | $54,000 |
| 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) | 362 | $45,810,000 | $126,000 | $985,000 | $81,000 | $1,833,000 |
| FHA-insured (Federal Housing Administration) | 83 | $11,875,000 | $143,000 | $355,000 | $57,000 | $152,000 |
| VA-guaranteed (Veterans Administration) | 38 | $7,440,000 | $195,000 | $385,000 | $79,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $4,180,000 | $160,000 | $265,000 | $54,000 | $90,000 |
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 | 289 | $39,985,000 | $138,000 | $985,000 | $80,000 | $1,833,000 |
| Application Denied By Financial Institution | 92 | $11,250,000 | $122,000 | $355,000 | $61,000 | $246,000 |
| File Closed For Incompleteness | 53 | $6,265,000 | $118,000 | $295,000 | $68,000 | $192,000 |
| Application Withdrawn By Applicant | 37 | $6,205,000 | $167,000 | $365,000 | $84,000 | $265,000 |
| Application Approved But Not Accepted | 19 | $2,375,000 | $125,000 | $425,000 | $81,000 | $147,000 |
| Loan Purchased By The Institution | 19 | $3,225,000 | $169,000 | $305,000 | $92,000 | $195,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 403 | $56,715,000 | $140,000 | $985,000 | $79,000 | $1,833,000 |
| Credit History | 42 | $4,340,000 | $103,000 | $355,000 | $58,000 | $165,000 |
| Debt-To-Income Ratio | 29 | $3,485,000 | $120,000 | $275,000 | $60,000 | $169,000 |
| Collateral | 12 | $1,760,000 | $146,000 | $305,000 | $91,000 | $246,000 |
| Credit Application Incomplete | 9 | $1,205,000 | $133,000 | $205,000 | $58,000 | $75,000 |
| Other | 5 | $775,000 | $155,000 | $255,000 | $75,000 | $110,000 |
| Unverifiable Information | 5 | $585,000 | $117,000 | $175,000 | $63,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $295,000 | $98,000 | $145,000 | $44,000 | $69,000 |
| Employment History | 1 | $145,000 | $145,000 | $145,000 | $106,000 | $106,000 |
| 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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