Edmonson County, KY Mortgage Lenders & HMDA Data, 2007

In 2007, lenders reported 735 mortgage applications in Edmonson County, KY totaling $55.0 million, down 14% from 2006. The average application was for $74,000, and applicants reported an average income of $54,000. 64% of applications resulted in an originated loan and 18% were denied. The most active lender was Bank of Edmonson County, with 246 applications, followed by Suntrust Mortgage, Inc and Countrywide Home Loans.

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Total Number of Mortgage Applications 735
Total Mortgage Loan Application Amount $55,024,000
Average Mortgage Loan Application Amount $74,000
Highest Mortgage Loan Application Amount $400,000
Average Applicant Income $54,000
Highest Applicant Income $600,000

Mortgage Company List for Lending in Edmonson County, KY for 2007

* 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
Bank of Edmonson County
PO BOX 99
BROWNSVILLE, KY 42210
* $ 176,169,000 246 $ 10,638,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 182,588,156,000 60 $ 5,278,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 43 $ 4,519,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 35 $ 4,184,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,045,011,000 24 $ 1,590,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 134,344,792,000 20 $ 1,535,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 92,836,714,000 16 $ 1,762,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 16 $ 1,581,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 15 $ 1,121,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,884,318,000,000 15 $ 769,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 12 $ 1,160,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 117,134,085,000 12 $ 1,351,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,179,390,000,000 11 $ 1,412,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 217,802,326,000 9 $ 925,000
The Farmers National Bank of Scottsville
1595 VETERANS MEMORIAL HWY
SCOTTSVILLE, KY 42164
* $ 200,062,000 9 $ 133,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 254,471,000 9 $ 557,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 8 $ 404,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 6 $ 1,266,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 6 $ 659,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,419,450,000 6 $ 199,000
Integra Bank
PO BOX 868
EVANSVILLE, IN 47705
* $ 2,676,585,000 6 $ 666,000
Wells Fargo Fin'l Kentucky Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 6 $ 579,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 167,285,000 5 $ 506,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 309,888,000 5 $ 530,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 5 $ 369,000
South Central Bank of Bowling
1757 CAMPBELL LANE
BOWLING GREEN, KY 42104
* $ 188,142,000 4 $ 432,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 4 $ 299,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 4 $ 377,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 3 $ 309,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 3 $ 422,000
First Rate Mortgage
10400 LINN STATION RD
LOUISVILLE, KY 40223
* $ 102,272,000 3 $ 189,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 3 $ 214,000
Service One Credit Union
P.O. BOX 51770
BOWLING GREEN, KY 42102
* $ 77,713,000 3 $ 126,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 3 $ 432,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 629,502,000 3 $ 166,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 2,978,011,000 2 $ 369,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 820,293,000 2 $ 109,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 2 $ 85,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 13,489,917,000 2 $ 54,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 28,740,902,000 2 $ 143,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 16,981,282,000 2 $ 305,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 2 $ 178,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 1,420,902,000 2 $ 181,000
Monticello Banking Company
50 NORTH MAIN STREET
MONTICELLO, KY 42633
* $ 431,546,000 2 $ 143,000
The Cit Group/Consumer Finance
1 CIT DRIVE
LIVINGSTON, NJ 07039
* $ 10,000,000 2 $ 207,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 2 $ 80,000
Allied Home Mtg Capital Corp
6110 PINEMONT DR., STE. 215
HOUSTON, TX 77092
* $ 10,000,000 2 $ 195,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 2 $ 175,000
American Lending Group, Inc
3288 EAGLE VIEW LN, STE 300
LEXINGTON, KY 40509
* $ 10,000,000 2 $ 159,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 2 $ 204,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 2 $ 310,000
Citizens First Bank, Inc.
1805 CAMPBELL LN
BOWLING GREEN, KY 42104
* $ 339,010,000 2 $ 73,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 543,353,000 2 $ 132,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 2 $ 115,000
Mortgage It Inc
60 WALL ST
NEW YORK, NY 10005
* $ 10,000,000 2 $ 224,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 2 $ 212,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 2 $ 117,000
Equity Financial Mortgage, Inc
1268 CAMPBELL LANE, SUITE 101
BOWLING GREEN, KY 42104
* $ 10,000,000 2 $ 150,000
Fifth Third Bank Michigan
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,441,275,000 2 $ 74,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 52,671,972,000 2 $ 121,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 138,667,948,000 2 $ 142,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 2 $ 169,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 90,142,449,000 2 $ 48,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 2 $ 178,000
Rbs Citizens, N.A.
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 17,125,177,000 1 $ 69,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,196,123,794,000 1 $ 100,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 129,233,000 1 $ 119,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 83,973,505,000 1 $ 56,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 1 $ 15,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 398,671,000,000 1 $ 52,000
The Huntington National Bank
7575 HUNTINGTON PARK DR
COLUMBUS, OH 43235
* $ 34,914,009,000 1 $ 88,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 1 $ 128,000
First Group Home Loans
100 CHASE WAY SUITE 1
ELIZABETH, KY 42701
* $ 175,085,370,000 1 $ 73,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 1 $ 124,000
First Nlc Financial Services,
4680 CONFERENCE WAY SOUTH
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 67,000
Pentagon Federal Credit Union
14300 SULLYFIELD CIRCLE
CHANTILLY, VA 20151
* $ 9,339,663,000 1 $ 80,000
American General Home Equ.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 1 $ 25,000
Realty Mortgage
215 KATHERINE DR.
FLOWOOD, MS 39232
* $ 10,000,000 1 $ 124,000
Nationwide Advantage Mortgage
1100 LOCUST ST
DES MOINES, IA 50391
* $ 31,000,000 1 $ 149,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 1 $ 105,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 1 $ 180,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 266,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 117,000
Select Mortgage Group Ltd
3040 PRESIDENTIAL DR
FAIRBORN, OH 45324
* $ 370,000 1 $ 50,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 1 $ 106,000
Beneficial Financial I, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 12,000,000 1 $ 107,000
Decision One Mortgage
26525 N. RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 12,000,000 1 $ 230,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 804,648,000 1 $ 97,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 533,671,000 1 $ 94,000
Kentucky Trust Bank
200 NORTH MAIN
BEAVER DAM, KY 42320
* $ 120,464,000 1 $ 125,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 1,660,337,000 1 $ 24,000
United Citizens Bank & Trust Company
P O BOX 250
CAMPBELLSBURG, KY 40011
* $ 73,773,000 1 $ 169,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 301,289,000 1 $ 69,000
Franklin Bank & Trust Company
P.O. BOX 449
FRANKLIN, KY 42134
* $ 225,685,000 1 $ 23,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 26,048,419,000 1 $ 207,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 345,610,758,000 1 $ 35,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,112,383,000 1 $ 74,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 19,937,022,000 1 $ 87,000
South Central Bank of Hardin
2908 RING ROAD
ELIZABETHTOWN, KY 42702
* $ 46,165,000 1 $ 26,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 252,285,000 1 $ 63,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 108,403,000 1 $ 42,000
Hancock Bank & Trust Company
220 MAIN STREET
HAWESVILLE, KY 42348
* $ 178,896,000 1 $ 68,000

The tables below break down 2007 mortgage applications in Edmonson 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 Edmonson County, KY in 2007

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 382 $32,158,000 $84,000 $400,000 $58,000 $600,000
Home Purchase 277 $20,619,000 $74,000 $350,000 $49,000 $447,000
Home Improvement 76 $2,247,000 $29,000 $101,000 $49,000 $208,000

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 660 $47,798,000 $72,000 $400,000 $54,000 $600,000
Not Provided 42 $3,839,000 $91,000 $248,000 $70,000 $329,000
Not applicable 22 $2,256,000 $102,000 $230,000 $4,000 $48,000
Hispanic 6 $480,000 $80,000 $156,000 $47,000 $79,000
American Indian or Alaskan Native 2 $267,000 $133,000 $143,000 $53,000 $70,000
Asian 2 $360,000 $180,000 $180,000 $298,000 $298,000
Black or African American 1 $24,000 $24,000 $24,000 $24,000 $24,000
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) 709 $52,472,000 $74,000 $400,000 $54,000 $600,000
FHA-insured (Federal Housing Administration) 26 $2,552,000 $98,000 $169,000 $45,000 $117,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $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 468 $31,407,000 $67,000 $398,000 $54,000 $600,000
Application Denied By Financial Institution 134 $11,183,000 $83,000 $400,000 $52,000 $260,000
Application Withdrawn By Applicant 56 $5,088,000 $90,000 $292,000 $59,000 $329,000
Loan Purchased By The Institution 43 $4,966,000 $115,000 $266,000 $63,000 $298,000
Application Approved But Not Accepted 30 $1,763,000 $58,000 $135,000 $49,000 $155,000
File Closed For Incompleteness 4 $617,000 $154,000 $248,000 $70,000 $98,000
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 22 $1,601,000 $72,000 $244,000 $41,000 $115,000
Collateral 15 $1,193,000 $79,000 $264,000 $68,000 $155,000
Debt-To-Income Ratio 12 $627,000 $52,000 $169,000 $49,000 $152,000
Other 4 $233,000 $58,000 $120,000 $38,000 $54,000
Unverifiable Information 3 $391,000 $130,000 $152,000 $52,000 $83,000
Employment History 2 $196,000 $98,000 $103,000 $34,000 $57,000
Insufficient Cash (Downpayment, Closing Cost) 1 $40,000 $40,000 $40,000 $110,000 $110,000
Credit Application Incomplete 1 $150,000 $150,000 $150,000 $210,000 $210,000
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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