Calloway County, KY Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 1,243 mortgage applications in Calloway County, KY totaling $200.2 million, down 7% from 2012. The average application was for $161,000, and applicants reported an average income of $79,000. 60% of applications resulted in an originated loan and 18% were denied. The most active lender was Truist Bank, with 267 applications, followed by US Bank, N.A. and Regions Bank.

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Total Number of Mortgage Applications 1,243
Total Mortgage Loan Application Amount $200,204,000
Average Mortgage Loan Application Amount $161,000
Highest Mortgage Loan Application Amount $43,153,000
Average Applicant Income $79,000
Highest Applicant Income $2,815,000

Mortgage Company List for Lending in Calloway County, KY for 2013

* 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
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 267 $ 27,303,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 146 $ 18,786,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 120,420,787,000 94 $ 8,348,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 73 $ 8,243,000
Heritage Bank USA, Inc.
4155 LAFAYETTE RD
HOPKINSVILLE, KY 42241
* $ 964,517,000 70 $ 10,425,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 67 $ 9,474,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 60 $ 8,658,000
Fnb Bank Inc
101 E BROADWAY
MAYFIELD, KY 42066
* $ 394,356,000 42 $ 7,936,000
River Valley Agcredit
P O BOX 309
PADUCAH, KY 42001
* $ 300,098,000 37 $ 9,781,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 27 $ 2,984,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 22 $ 1,549,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 22 $ 2,153,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 16 $ 2,051,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 15 $ 2,970,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 13 $ 1,593,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 12 $ 1,392,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 10 $ 1,455,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 1,033,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 8 $ 1,077,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 7 $ 730,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 7 $ 973,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 7 $ 893,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 137,781,000 6 $ 819,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 1,242,890,000 6 $ 688,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 6 $ 418,000
Bank of Cadiz and Trust Company
P.O. BOX 2020
CADIZ, KY 42211
* $ 104,659,000 6 $ 938,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 6 $ 784,000
Caliber Funding LLC
6031 CONNECTION DRIVE, SUITE 200
IRVING, TX 75039
* $ 37,112,000 6 $ 806,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 278,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ 3,642,000 5 $ 948,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 293,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 4 $ 655,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 4 $ 789,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 4 $ 464,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 4 $ 403,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 4 $ 229,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 3 $ 381,000
Gfs Capital
6499 HAVENWOOD CIRCLE
HUNTINGTON BEACH, CA 92648
* $ 10,000,000 3 $ 542,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 3 $ 368,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 543,088,000 3 $ 128,000
Woodforest National Bank
25231 GROGAN'S MILL ROAD
THE WOODLANDS, TX 77380
* $ 3,701,612,000 3 $ 371,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 209,365,000 3 $ 354,000
Commercial Bank & Trust Company
P.O. BOX 1000
PARIS, TN 38242
* $ 683,070,000 3 $ 200,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 3 $ 231,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 3 $ 396,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 593,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 338,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 3 $ 572,000
First Citizens National Bank

NEWARK, OH 43055
* $ 1,177,985,000 3 $ 711,000
Focus Bank
PO BOX 99
CHARLESTON, MO 63834
* $ 658,492,000 3 $ 101,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 2 $ 136,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 2 $ 545,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 2 $ 978,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,441,431,000 2 $ 269,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 2 $ 140,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 2 $ 269,000
Mortgage Investors Corp
6090 CENTRAL AVE
ST. PETERSBURG, FL 33707
* $ 10,000,000 2 $ 308,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 2 $ 253,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ 10,000,000 2 $ 374,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 646,232,000 2 $ 24,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 559,606,000 2 $ 113,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 178,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 2 $ 187,000
Aerospace Federal Credit Union

LOS ANGELES, CA 90009
* $ 361,300,000 2 $ 194,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 250,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 2 $ 193,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 355,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 86,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ 101,315,000 1 $ 223,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 862,757,000 1 $ 271,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 928,031,000 1 $ 80,000
Standard Bank and Trust Co.
7800 W 95TH ST
HICKORY HILLS, IL 60457
* $ 2,183,156,000 1 $ 187,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 669,944,000 1 $ 125,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ 433,174,000 1 $ 97,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 900,762,000 1 $ 82,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 177,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 87,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ 730,009,000 1 $ 160,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 589,329,000 1 $ 100,000
Premier Home Mortgage, Inc.
3024 TOWER RD
RAPID CITY, SD 57701
* $ 20,569,000 1 $ 88,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 865,970,000 1 $ 110,000
Cumberland Bank & Trust
502 MADISON STREET
CLARKSVILLE, TN 37040
* $ 152,933,000 1 $ 64,000
United Cmnty Bk of West Ky Inc
500 N MORGAN STREET, P O BOX 209
MORGANFIELD, KY 42437
* $ 208,419,000 1 $ 176,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 313,661,000 1 $ 136,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 43,153,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 270,000
Mortgage Capital Associates, Inc.
11150 W OYMPIC BLVD. STE. 1160
LOS ANGELES, CA 90064
* $ 10,000,000 1 $ 308,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 167,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 1 $ 186,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ 669,000,000 1 $ 223,000
Coastal States Mortgage, Inc.
5 BOW CIRCLE
HILTON HEAD ISLAND, SC 29928
* $ 10,000,000 1 $ 203,000
Synovus Bank
PO BOX 120
COLUMBUS, GA 31902
* $ 26,425,077,000 1 $ 125,000
Southern Bank
531 VINE ST
POPLAR BLUFF, MO 63901
* $ 763,553,000 1 $ 264,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 274,539,000 1 $ 157,000
Midwest Bank
200 EAST BROADWAY, P.O. BOX 440
MONMOUTH, IL 61462
* $ 412,260,000 1 $ 88,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,105,077,000 1 $ 63,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 1,835,386,000 1 $ 152,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 50,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 88,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 95,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 135,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 78,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 1 $ 98,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,006,990,000 1 $ 104,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 119,444,656,000 1 $ 104,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 1 $ 334,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 698,534,000 1 $ 39,000
First National Bank of Layton
1601 N. HILLFIELD ROAD
LAYTON, UT 84041
* $ 268,686,000 1 $ 153,000
Peoples Bank Mt Washington
P O BOX 95, 201 N BARDSTOWN ROAD
MT WASHINGTON, KY 40047
* $ 88,595,000 1 $ 104,000
Hancock Bank & Trust Company
220 MAIN STREET
HAWESVILLE, KY 42348
* $ 337,594,000 1 $ 85,000

The tables below break down 2013 mortgage applications in Calloway 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 Calloway County, KY in 2013

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 706 $136,632,000 $193,000 $43,153,000 $87,000 $2,815,000
Home Purchase 440 $57,388,000 $130,000 $1,291,000 $70,000 $815,000
Home Improvement 97 $6,184,000 $63,000 $465,000 $67,000 $291,000

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 1,070 $133,052,000 $124,000 $2,465,000 $82,000 $2,815,000
Not Provided 86 $9,635,000 $112,000 $452,000 $86,000 $460,000
Not applicable 53 $52,821,000 $996,000 $43,153,000 $14,000 $227,000
Hispanic 10 $1,582,000 $158,000 $297,000 $55,000 $103,000
Black or African American 9 $1,128,000 $125,000 $387,000 $55,000 $146,000
Asian 7 $992,000 $141,000 $280,000 $66,000 $101,000
American Indian or Alaskan Native 6 $710,000 $118,000 $244,000 $163,000 $637,000
Native Hawaiian or Other Pacific Islander 2 $284,000 $142,000 $197,000 $152,000 $252,000

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) 915 $118,072,000 $129,000 $2,465,000 $92,000 $2,815,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 150 $16,100,000 $107,000 $254,000 $35,000 $98,000
FHA-insured (Federal Housing Administration) 111 $55,495,000 $499,000 $43,153,000 $44,000 $348,000
VA-guaranteed (Veterans Administration) 67 $10,537,000 $157,000 $387,000 $63,000 $266,000

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 751 $96,648,000 $128,000 $1,291,000 $86,000 $2,815,000
Application Denied By Financial Institution 223 $23,610,000 $105,000 $650,000 $63,000 $850,000
Loan Purchased By The Institution 111 $57,233,000 $515,000 $43,153,000 $49,000 $326,000
Application Withdrawn By Applicant 86 $14,598,000 $169,000 $2,465,000 $105,000 $915,000
Application Approved But Not Accepted 47 $4,931,000 $104,000 $387,000 $66,000 $348,000
File Closed For Incompleteness 25 $3,184,000 $127,000 $229,000 $95,000 $460,000
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 55 $4,576,000 $83,000 $285,000 $64,000 $265,000
Collateral 35 $3,576,000 $102,000 $334,000 $69,000 $440,000
Debt-To-Income Ratio 31 $3,592,000 $115,000 $300,000 $51,000 $180,000
Other 15 $1,592,000 $106,000 $220,000 $60,000 $164,000
Credit Application Incomplete 9 $1,282,000 $142,000 $286,000 $76,000 $170,000
Unverifiable Information 7 $1,256,000 $179,000 $317,000 $170,000 $850,000
Employment History 6 $532,000 $88,000 $130,000 $41,000 $72,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,068,000 $356,000 $650,000 $143,000 $360,000
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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