Clinton County, KY Mortgage Lenders & HMDA Data, 2004
In 2004, lenders reported 311 mortgage applications in Clinton County, KY totaling $18.9 million, up 9% from 2003. The average application was for $60,000, and applicants reported an average income of $42,000. 36% of applications resulted in an originated loan and 30% were denied. The most active lender was Monticello Banking Company, with 59 applications, followed by JPMorgan Chase Bank, NA and Branch Banking and Trust Co.
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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 | 311 |
| Total Mortgage Loan Application Amount | $18,895,000 |
| Average Mortgage Loan Application Amount | $60,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $42,000 |
| Highest Applicant Income | $583,000 |
* 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 |
|---|---|---|---|---|
| Monticello Banking Company 50 NORTH MAIN STREET MONTICELLO, KY 42633 |
* | $ 326,066,000 | 59 | $ 2,367,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 27 | $ 1,164,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 25 | $ 2,267,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 24 | $ 1,881,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 14 | $ 837,000 |
| Union Planters Bank P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 11 | $ 580,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 9 | $ 792,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 9 | $ 486,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 8 | $ 98,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 8 | $ 249,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 8 | $ 291,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 6 | $ 321,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 6 | $ 406,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 160,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 177,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 5 | $ 564,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 521,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 4 | $ 310,000 |
| US Bancorp,Consumer Finance Ky 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 174,000,000 | 4 | $ 109,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 4 | $ 444,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 257,000 |
| Greenpoint Credit, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 3 | $ 115,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 3 | $ 254,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,463,959,000 | 3 | $ 417,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 123,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 820,103,000,000 | 2 | $ 67,000 |
| Citizens Guaranty Bank 457 EAST MAIN STREET; PO BOX 767 RICHMOND, KY 40476 |
* | $ 108,286,000 | 2 | $ 26,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 2 | $ 281,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 143,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 2 | $ 210,000 |
| First Greensboro Home Equity 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 2 | $ 156,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 2 | $ 113,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 2 | $ 212,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 2 | $ 249,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 135,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 71,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,219,749,000 | 1 | $ 47,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 1 | $ 127,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 70,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,342,774,000 | 1 | $ 71,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 20,039,756,000 | 1 | $ 77,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 204,688,000 | 1 | $ 66,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 128,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 62,020,896,000 | 1 | $ 15,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Service First Mortgage, L.C. 4171 W. HILLSBORO BLVD. STE 10 COCONUT CREEK, FL 33073 |
* | $ 10,000,000 | 1 | $ 47,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 1 | $ 10,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 1 | $ 30,000 |
| Washingtion Mutual Finance Cor 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 1 | $ 28,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 1 | $ 50,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 50,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 24,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 113,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 55,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 70,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 1 | $ 55,000 |
| Bank of Blue Valley 11935 RILEY OVERLAND PARK, KS 66213 |
* | $ 611,144,000 | 1 | $ 135,000 |
| Countrywide Bank, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 15,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 212,818,000 | 1 | $ 112,000 |
The tables below break down 2004 mortgage applications in Clinton 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 Clinton County, KY in 2004
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 | 150 | $11,215,000 | $74,000 | $320,000 | $51,000 | $583,000 |
| Home Purchase | 141 | $6,967,000 | $49,000 | $242,000 | $30,000 | $150,000 |
| Home Improvement | 20 | $713,000 | $35,000 | $140,000 | $35,000 | $77,000 |
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 | 238 | $14,806,000 | $62,000 | $320,000 | $43,000 | $583,000 |
| Not applicable | 38 | $1,312,000 | $34,000 | $96,000 | $3,000 | $36,000 |
| Not Provided | 31 | $2,421,000 | $78,000 | $242,000 | $50,000 | $214,000 |
| Black or African American | 2 | $104,000 | $52,000 | $52,000 | $40,000 | $53,000 |
| Hispanic | 2 | $252,000 | $126,000 | $133,000 | $58,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 303 | $18,397,000 | $60,000 | $320,000 | $43,000 | $583,000 |
| FHA-insured (Federal Housing Administration) | 5 | $326,000 | $65,000 | $74,000 | $20,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 2 | $116,000 | $58,000 | $77,000 | $18,000 | $24,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $56,000 | $56,000 | $56,000 | $21,000 | $21,000 |
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 | 112 | $6,830,000 | $60,000 | $320,000 | $49,000 | $346,000 |
| Application Denied By Financial Institution | 92 | $5,665,000 | $61,000 | $242,000 | $34,000 | $147,000 |
| Loan Purchased By The Institution | 42 | $1,589,000 | $37,000 | $116,000 | $17,000 | $84,000 |
| Application Withdrawn By Applicant | 41 | $3,247,000 | $79,000 | $160,000 | $41,000 | $385,000 |
| Application Approved But Not Accepted | 18 | $1,083,000 | $60,000 | $140,000 | $33,000 | $105,000 |
| File Closed For Incompleteness | 6 | $481,000 | $80,000 | $150,000 | $163,000 | $583,000 |
| 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 | 26 | $1,476,000 | $56,000 | $160,000 | $33,000 | $72,000 |
| Other | 16 | $981,000 | $61,000 | $242,000 | $37,000 | $147,000 |
| Debt-To-Income Ratio | 11 | $891,000 | $81,000 | $205,000 | $29,000 | $71,000 |
| Collateral | 8 | $615,000 | $76,000 | $149,000 | $31,000 | $52,000 |
| Credit Application Incomplete | 3 | $69,000 | $23,000 | $38,000 | $31,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $315,000 | $105,000 | $133,000 | $46,000 | $60,000 |
| Unverifiable Information | 1 | $6,000 | $6,000 | $6,000 | $11,000 | $11,000 |
| Employment History | 1 | $60,000 | $60,000 | $60,000 | $34,000 | $34,000 |
| 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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