Cumberland County, KY Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 111 mortgage applications in Cumberland County, KY totaling $13.1 million, up 21% from 2014. The average application was for $118,000, and applicants reported an average income of $55,000. 34% of applications resulted in an originated loan and 29% were denied. The most active lender was 21st Mortgage, with 11 applications, followed by Vanderbilt Mortgage and Finance, Inc and Truist Bank.
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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 | 111 |
| Total Mortgage Loan Application Amount | $13,125,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $417,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $253,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 11 | $ 538,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 606,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 6 | $ 1,105,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 6 | $ 546,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ 452,436,000 | 6 | $ 430,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 6 | $ 831,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 6 | $ 835,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 6 | $ 308,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 979,243,000 | 4 | $ 225,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 4 | $ 720,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 3 | $ 226,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 2 | $ 700,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 2 | $ 216,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 2 | $ 40,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 822,125,000 | 2 | $ 272,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,183,835,000 | 2 | $ 326,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 262,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 134,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 531,673,000 | 2 | $ 170,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 245,515,000 | 1 | $ 138,000 |
| The Mortgage Warehouse, LLC 13430 PARKER COMMONS BLVD SUITE 103 FORT MYERS, FL 33912 |
* | $ 7,644,442,000 | 1 | $ 148,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 800,639,000 | 1 | $ 94,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 417,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 46,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 134,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ 10,000,000 | 1 | $ 93,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Central Bank of Boone County 720 E. BROADWAY COLUMBIA, MO 65201 |
* | $ 1,448,928,000 | 1 | $ 13,000 |
| First Internet Bank of Indiana 11201 USA PARKWAY FISHERS, IN 46038 |
* | $ 968,312,000 | 1 | $ 407,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 195,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 148,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,016,665,000 | 1 | $ 26,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 215,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 147,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 1 | $ 105,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 400,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 340,000 |
| Progressive Savings Bank 500 N MAIN ST JAMESTOWN, TN 38556 |
* | $ 259,303,000 | 1 | $ 75,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 255,011,219,000 | 1 | $ 300,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 157,000 |
The tables below break down 2015 mortgage applications in Cumberland 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 Cumberland County, KY in 2015
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 | 55 | $5,217,000 | $94,000 | $340,000 | $50,000 | $253,000 |
| Refinancing | 50 | $7,645,000 | $152,000 | $417,000 | $60,000 | $171,000 |
| Home Improvement | 6 | $263,000 | $43,000 | $131,000 | $50,000 | $104,000 |
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 | 85 | $10,058,000 | $118,000 | $417,000 | $59,000 | $253,000 |
| Not Provided | 12 | $1,760,000 | $146,000 | $340,000 | $66,000 | $185,000 |
| Not applicable | 11 | $990,000 | $90,000 | $148,000 | $7,000 | $85,000 |
| Black or African American | 2 | $62,000 | $31,000 | $59,000 | $52,000 | $70,000 |
| American Indian or Alaskan Native | 1 | $255,000 | $255,000 | $255,000 | $84,000 | $84,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 92 | $10,589,000 | $115,000 | $417,000 | $58,000 | $253,000 |
| FHA-insured (Federal Housing Administration) | 7 | $1,071,000 | $153,000 | $223,000 | $50,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,071,000 | $153,000 | $195,000 | $48,000 | $94,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $394,000 | $78,000 | $122,000 | $0 | $0 |
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 | 38 | $4,810,000 | $126,000 | $417,000 | $63,000 | $253,000 |
| Application Denied By Financial Institution | 32 | $3,432,000 | $107,000 | $407,000 | $58,000 | $185,000 |
| Loan Purchased By The Institution | 16 | $1,960,000 | $122,000 | $417,000 | $40,000 | $171,000 |
| Application Withdrawn By Applicant | 11 | $1,667,000 | $151,000 | $300,000 | $54,000 | $102,000 |
| File Closed For Incompleteness | 8 | $770,000 | $96,000 | $300,000 | $47,000 | $84,000 |
| Application Approved But Not Accepted | 6 | $486,000 | $81,000 | $157,000 | $34,000 | $87,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 8 | $1,772,000 | $221,000 | $407,000 | $90,000 | $185,000 |
| Credit History | 6 | $376,000 | $62,000 | $131,000 | $70,000 | $104,000 |
| Debt-To-Income Ratio | 1 | $102,000 | $102,000 | $102,000 | $61,000 | $61,000 |
| Employment History | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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