Clay County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 460 mortgage applications in Clay County, KY totaling $42.1 million, up 4% from 2012. The average application was for $91,000, and applicants reported an average income of $51,000. 25% of applications resulted in an originated loan and 42% were denied. The most active lender was PNC Bank N.A., with 104 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.
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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 | 460 |
| Total Mortgage Loan Application Amount | $42,111,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $10,775,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $1,713,000 |
Top Mortgage Lenders in Clay County, KY (2013)
Ranked by the number of mortgage applications each lender reported in Clay County, KY in 2013.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | PNC Bank N.A. Pittsburgh, PA |
104 | $6,922,000 | $66,000 | $69,000 |
| 2 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
94 | $4,675,000 | $49,000 | $32,000 |
| 3 | 21st Mortgage Knoxville, TN |
71 | $3,281,000 | $46,000 | $33,000 |
| 4 | Clayton Bank and Trust Knoxville, TN |
23 | $1,067,000 | $46,000 | $31,000 |
| 5 | Ark-La-Tex Financial Services LLC Plano, TX |
16 | $1,298,000 | $81,000 | $144,000 |
| 6 | JPMorgan Chase Bank, NA Columbus, OH |
14 | $1,311,000 | $93,000 | $43,000 |
| 7 | US Bank, N.A. Cincinnati, OH |
14 | $1,016,000 | $72,000 | $26,000 |
| 8 | Credit Human Federal Credit Un San Antonio, TX |
11 | $589,000 | $53,000 | $31,000 |
| 9 | Forcht Bank, N.A. Lexington, KY |
9 | $901,000 | $100,000 | $54,000 |
| 10 | Wells Fargo Bank NA Minneapolis, MN |
8 | $756,000 | $94,000 | $58,000 |
The tables below break down 2013 mortgage applications in Clay 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 Clay 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 285 | $18,127,000 | $63,000 | $321,000 | $46,000 | $1,713,000 |
| Refinancing | 144 | $23,237,000 | $161,000 | $10,775,000 | $65,000 | $1,226,000 |
| Home Improvement | 31 | $747,000 | $24,000 | $118,000 | $36,000 | $138,000 |
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 | 394 | $26,761,000 | $67,000 | $321,000 | $53,000 | $1,713,000 |
| Not Provided | 51 | $3,450,000 | $67,000 | $215,000 | $44,000 | $94,000 |
| Not applicable | 7 | $11,501,000 | $1,643,000 | $10,775,000 | $0 | $0 |
| Hispanic | 4 | $253,000 | $63,000 | $153,000 | $51,000 | $92,000 |
| American Indian or Alaskan Native | 3 | $107,000 | $35,000 | $51,000 | $41,000 | $53,000 |
| Black or African American | 1 | $39,000 | $39,000 | $39,000 | $72,000 | $72,000 |
| 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) | 393 | $24,275,000 | $61,000 | $270,000 | $49,000 | $1,226,000 |
| FHA-insured (Federal Housing Administration) | 35 | $14,790,000 | $422,000 | $10,775,000 | $43,000 | $93,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $2,798,000 | $96,000 | $321,000 | $92,000 | $1,713,000 |
| VA-guaranteed (Veterans Administration) | 3 | $248,000 | $82,000 | $158,000 | $44,000 | $68,000 |
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 | 192 | $11,138,000 | $58,000 | $267,000 | $47,000 | $1,713,000 |
| Loan Originated | 115 | $8,945,000 | $77,000 | $270,000 | $67,000 | $1,226,000 |
| Application Approved But Not Accepted | 89 | $4,977,000 | $55,000 | $249,000 | $35,000 | $94,000 |
| Application Withdrawn By Applicant | 28 | $3,116,000 | $111,000 | $321,000 | $75,000 | $805,000 |
| File Closed For Incompleteness | 18 | $1,127,000 | $62,000 | $174,000 | $65,000 | $127,000 |
| Loan Purchased By The Institution | 18 | $12,808,000 | $711,000 | $10,775,000 | $31,000 | $154,000 |
| 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 | 58 | $3,162,000 | $54,000 | $200,000 | $69,000 | $1,713,000 |
| Debt-To-Income Ratio | 15 | $1,010,000 | $67,000 | $157,000 | $41,000 | $108,000 |
| Collateral | 7 | $596,000 | $85,000 | $267,000 | $44,000 | $97,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $598,000 | $85,000 | $158,000 | $34,000 | $68,000 |
| Credit Application Incomplete | 6 | $577,000 | $96,000 | $162,000 | $61,000 | $99,000 |
| Other | 1 | $14,000 | $14,000 | $14,000 | $51,000 | $51,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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