Cumberland County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 92 mortgage applications in Cumberland County, KY totaling $9.4 million, down 27% from 2013. The average application was for $102,000, and applicants reported an average income of $50,000. 30% of applications resulted in an originated loan and 33% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 12 applications, followed by 21st Mortgage and State Farm Bank, F.S.B..
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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 | 92 |
| Total Mortgage Loan Application Amount | $9,417,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $552,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $198,000 |
Top Mortgage Lenders in Cumberland County, KY (2014)
Ranked by the number of mortgage applications each lender reported in Cumberland County, KY in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance, Inc Maryville, TN |
12 | $713,000 | $59,000 | $57,000 |
| 2 | 21st Mortgage Knoxville, TN |
7 | $288,000 | $41,000 | $27,000 |
| 3 | State Farm Bank, F.S.B. Bloomington, IL |
6 | $642,000 | $107,000 | $41,000 |
| 4 | JPMorgan Chase Bank, NA Columbus, OH |
6 | $396,000 | $66,000 | $0 |
| 5 | Edmonton State Bank Glasgow, KY |
4 | $329,000 | $82,000 | $43,000 |
| 6 | Magnolia Bank Hodgenville, KY |
4 | $272,000 | $68,000 | $43,000 |
| 7 | Farm Credit Mid-America, Aca Louisville, KY |
4 | $1,099,000 | $274,000 | $78,000 |
| 8 | Monticello Banking Company Monticello, KY |
3 | $335,000 | $111,000 | $37,000 |
| 9 | Credit Human Federal Credit Un San Antonio, TX |
3 | $175,000 | $58,000 | $36,000 |
| 10 | Abound Federal Credit Union Radcliff, KY |
3 | $221,000 | $73,000 | $43,000 |
The tables below break down 2014 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 2014
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 | 63 | $4,989,000 | $79,000 | $260,000 | $46,000 | $198,000 |
| Refinancing | 28 | $4,366,000 | $155,000 | $552,000 | $61,000 | $157,000 |
| Home Improvement | 1 | $62,000 | $62,000 | $62,000 | $36,000 | $36,000 |
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 | $7,019,000 | $93,000 | $540,000 | $57,000 | $198,000 |
| Not applicable | 8 | $654,000 | $81,000 | $146,000 | $0 | $0 |
| Not Provided | 7 | $975,000 | $139,000 | $552,000 | $20,000 | $38,000 |
| American Indian or Alaskan Native | 1 | $229,000 | $229,000 | $229,000 | $95,000 | $95,000 |
| Hispanic | 1 | $540,000 | $540,000 | $540,000 | $137,000 | $137,000 |
| 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) | 69 | $7,371,000 | $106,000 | $552,000 | $57,000 | $198,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,108,000 | $79,000 | $137,000 | $17,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 6 | $711,000 | $118,000 | $146,000 | $65,000 | $108,000 |
| FHA-insured (Federal Housing Administration) | 3 | $227,000 | $75,000 | $117,000 | $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 | 30 | $3,453,000 | $115,000 | $552,000 | $43,000 | $157,000 |
| Loan Originated | 28 | $2,737,000 | $97,000 | $229,000 | $71,000 | $198,000 |
| Application Approved But Not Accepted | 13 | $812,000 | $62,000 | $155,000 | $47,000 | $91,000 |
| Loan Purchased By The Institution | 11 | $890,000 | $80,000 | $146,000 | $16,000 | $108,000 |
| Application Withdrawn By Applicant | 7 | $608,000 | $86,000 | $151,000 | $41,000 | $69,000 |
| File Closed For Incompleteness | 3 | $917,000 | $305,000 | $540,000 | $103,000 | $139,000 |
| 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 | 5 | $947,000 | $189,000 | $540,000 | $67,000 | $157,000 |
| Debt-To-Income Ratio | 2 | $176,000 | $88,000 | $112,000 | $23,000 | $38,000 |
| Collateral | 2 | $179,000 | $89,000 | $120,000 | $32,000 | $33,000 |
| Credit Application Incomplete | 2 | $198,000 | $99,000 | $138,000 | $53,000 | $77,000 |
| Other | 1 | $51,000 | $51,000 | $51,000 | $33,000 | $33,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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