Carlisle County, KY Mortgage Lenders & HMDA Data, 2006
In 2006, lenders reported 104 mortgage applications in Carlisle County, KY totaling $7.5 million, down 11% from 2005. The average application was for $72,000, and applicants reported an average income of $49,000. 30% of applications resulted in an originated loan and 37% were denied. The most active lender was Beneficial Company LLC, with 15 applications, followed by Countrywide Home Loans and US Bank, N.A..
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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 | 104 |
| Total Mortgage Loan Application Amount | $7,526,000 |
| Average Mortgage Loan Application Amount | $72,000 |
| Highest Mortgage Loan Application Amount | $210,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $240,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 15 | $ 1,123,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 175,085,370,000 | 11 | $ 876,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 208,867,410,000 | 5 | $ 341,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 392,000 |
| The Grange Bank 605 SOUTH FRONT STREET, SUITE 100 COLUMBUS, OH 43215 |
* | $ 275,513,000 | 4 | $ 240,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 3 | $ 145,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 110,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 3 | $ 286,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 73,116,292,000 | 3 | $ 229,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 81,074,402,000 | 3 | $ 244,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 177,231,290,000 | 2 | $ 162,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,900,290,000 | 2 | $ 25,000 |
| First Horizon Home Loan Corp 4000 HORIZON WAY IRVING, TX 75063 |
* | $ 1,446,000,000 | 2 | $ 125,000 |
| First Rate Mortgage 10400 LINN STATION RD LOUISVILLE, KY 40223 |
* | $ 102,272,000 | 2 | $ 195,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 88,960,716,000 | 2 | $ 9,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 143,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 30,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 40,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,438,837,000 | 2 | $ 140,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 173,242,000 | 1 | $ 35,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 470,677,000 | 1 | $ 85,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 81,074,402,000 | 1 | $ 90,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 47,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 330,706,384,000 | 1 | $ 49,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 240,529,000 | 1 | $ 18,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 12,329,271,000 | 1 | $ 6,000 |
| First Community Bank 2945 S. 132ND STREET OMAHA, NE 68144 |
* | $ 40,797,000 | 1 | $ 49,000 |
| Heritage Bank 4155 LAFAYETTE RD HOPKINSVILLE, KY 42240 |
* | $ 636,585,000 | 1 | $ 75,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 110,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 24,644,357,000 | 1 | $ 124,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 43,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 75,051,579,000 | 1 | $ 126,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 1 | $ 53,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 77,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 210,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 706,497,000 | 1 | $ 100,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 90,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 69,482,177,000 | 1 | $ 134,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 691,594,000 | 1 | $ 25,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 403,258,000,000 | 1 | $ 120,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,013,985,000,000 | 1 | $ 65,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 85,000 |
The tables below break down 2006 mortgage applications in Carlisle 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 Carlisle County, KY in 2006
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 | 54 | $4,463,000 | $82,000 | $210,000 | $54,000 | $137,000 |
| Home Purchase | 36 | $2,463,000 | $68,000 | $134,000 | $41,000 | $240,000 |
| Home Improvement | 14 | $600,000 | $42,000 | $144,000 | $51,000 | $75,000 |
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 | 75 | $5,433,000 | $72,000 | $210,000 | $51,000 | $240,000 |
| Not Provided | 14 | $1,061,000 | $75,000 | $162,000 | $49,000 | $137,000 |
| Not applicable | 7 | $418,000 | $59,000 | $100,000 | $26,000 | $54,000 |
| American Indian or Alaskan Native | 4 | $305,000 | $76,000 | $125,000 | $55,000 | $112,000 |
| Hispanic | 4 | $309,000 | $77,000 | $160,000 | $45,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 95 | $6,807,000 | $71,000 | $210,000 | $50,000 | $240,000 |
| FHA-insured (Federal Housing Administration) | 6 | $519,000 | $86,000 | $134,000 | $40,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 2 | $135,000 | $67,000 | $78,000 | $51,000 | $65,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $65,000 | $65,000 | $65,000 | $33,000 | $33,000 |
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 | 38 | $2,665,000 | $70,000 | $150,000 | $50,000 | $137,000 |
| Loan Originated | 31 | $2,154,000 | $69,000 | $210,000 | $56,000 | $240,000 |
| Loan Purchased By The Institution | 14 | $987,000 | $70,000 | $140,000 | $37,000 | $78,000 |
| Application Withdrawn By Applicant | 13 | $1,224,000 | $94,000 | $162,000 | $42,000 | $74,000 |
| File Closed For Incompleteness | 4 | $363,000 | $90,000 | $125,000 | $71,000 | $112,000 |
| Application Approved But Not Accepted | 4 | $133,000 | $33,000 | $50,000 | $31,000 | $46,000 |
| 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 | 11 | $772,000 | $70,000 | $124,000 | $45,000 | $61,000 |
| Collateral | 3 | $208,000 | $69,000 | $120,000 | $83,000 | $135,000 |
| Other | 2 | $180,000 | $90,000 | $110,000 | $23,000 | $35,000 |
| Debt-To-Income Ratio | 2 | $148,000 | $74,000 | $78,000 | $47,000 | $60,000 |
| Employment History | 1 | $81,000 | $81,000 | $81,000 | $35,000 | $35,000 |
| Credit Application Incomplete | 1 | $126,000 | $126,000 | $126,000 | $137,000 | $137,000 |
| Unverifiable Information | 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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