Edmonson County, KY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 731 mortgage applications in Edmonson County, KY totaling $57.3 million, down 1% from 2007. The average application was for $78,000, and applicants reported an average income of $60,000. 66% of applications resulted in an originated loan and 18% were denied. The most active lender was Bank of Edmonson County, with 316 applications, followed by Countrywide Bank FSB and Limestone Bank, Inc..
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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 | 731 |
| Total Mortgage Loan Application Amount | $57,269,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $899,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $468,000 |
* 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 |
|---|---|---|---|---|
| Bank of Edmonson County PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ 190,906,000 | 316 | $ 20,172,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 33 | $ 3,428,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,446,452,000 | 32 | $ 1,890,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 26 | $ 2,088,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 21 | $ 1,877,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 19 | $ 2,594,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,187,631,000,000 | 15 | $ 958,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 15 | $ 1,434,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,341,313,000 | 14 | $ 968,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 12 | $ 1,442,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 12 | $ 518,000 |
| Monticello Banking Company 50 NORTH MAIN STREET MONTICELLO, KY 42633 |
* | $ 473,071,000 | 12 | $ 1,315,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 11 | $ 1,158,000 |
| The Farmers National Bank of Scottsville 1595 VETERANS MEMORIAL HWY SCOTTSVILLE, KY 42164 |
* | $ 214,504,000 | 10 | $ 202,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 10 | $ 716,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 9 | $ 1,005,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 9 | $ 976,000 |
| South Central Bank of Bowling 1757 CAMPBELL LANE BOWLING GREEN, KY 42104 |
* | $ 193,820,000 | 9 | $ 742,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 9 | $ 430,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 1,349,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ 367,714,000 | 6 | $ 619,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 6 | $ 680,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 671,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 978,554,000 | 5 | $ 417,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 5 | $ 508,000 |
| American Bank & Trust Company Inc. 1302 SCOTTSVILLE ROAD BOWLING GREEN, KY 42102 |
* | $ 182,678,000 | 4 | $ 181,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 4 | $ 505,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 4 | $ 625,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 465,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 478,000 |
| Citizens First Bank, Inc. 1805 CAMPBELL LN BOWLING GREEN, KY 42104 |
* | $ 346,568,000 | 3 | $ 79,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,091,562,000 | 3 | $ 469,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 870,669,000 | 3 | $ 481,000 |
| Service One Credit Union P.O. BOX 51770 BOWLING GREEN, KY 42102 |
* | $ 81,568,000 | 3 | $ 208,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 188,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 2 | $ 151,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 147,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 77,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 28,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 2 | $ 295,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 2 | $ 70,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 2 | $ 85,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 2 | $ 83,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 2 | $ 186,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 16,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 2 | $ 50,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 649,972,000 | 2 | $ 55,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 128,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 128,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 267,080,000 | 1 | $ 64,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 102,064,000 | 1 | $ 43,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 106,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 1,475,548,000 | 1 | $ 40,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 3,154,401,000 | 1 | $ 91,000 |
| Dover Mortgage Company 711 E. MOREHEAD ST CHARLOTTE, NC 28202 |
* | $ 1,817,511,000 | 1 | $ 67,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 94,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 80,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 73,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 124,782,289,000 | 1 | $ 97,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,024,460,000 | 1 | $ 32,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 101,000 |
| PNC Reverse Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,000,000 | 1 | $ 218,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 1 | $ 194,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 42,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 1 | $ 40,000 |
| South Central Bank of Hardin 2908 RING ROAD ELIZABETHTOWN, KY 42702 |
* | $ 53,599,000 | 1 | $ 86,000 |
| Kentucky Home Bank 940 BLOOMFIELD RD. BARDSTOWN, KY 40004 |
* | $ 93,630,000 | 1 | $ 100,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 596,931,000 | 1 | $ 21,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 322,036,000 | 1 | $ 84,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 152,000 |
| Advancial Federal Credit Union 1845 WOODALL RODGERS FWY, SUITE 1300 DALLAS, TX 75231 |
* | $ 584,687,000 | 1 | $ 72,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 1 | $ 135,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 630,785,000 | 1 | $ 21,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 544,827,000 | 1 | $ 170,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 191,580,000 | 1 | $ 56,000 |
| Numark Credit Union 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 151,470,000 | 1 | $ 35,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Equity Financial Mortgage, Inc 1268 CAMPBELL LANE, SUITE 101 BOWLING GREEN, KY 42104 |
* | $ 10,000,000 | 1 | $ 46,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 167,000 |
| CU Channels 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 505,929,000 | 1 | $ 236,000 |
The tables below break down 2008 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 2008
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 | 421 | $38,216,000 | $90,000 | $899,000 | $61,000 | $468,000 |
| Home Purchase | 198 | $15,258,000 | $77,000 | $272,000 | $65,000 | $458,000 |
| Home Improvement | 112 | $3,795,000 | $33,000 | $155,000 | $48,000 | $275,000 |
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 | 675 | $52,086,000 | $77,000 | $899,000 | $61,000 | $468,000 |
| Not Provided | 28 | $2,517,000 | $89,000 | $218,000 | $68,000 | $244,000 |
| Not applicable | 17 | $1,452,000 | $85,000 | $223,000 | $13,000 | $104,000 |
| Black or African American | 4 | $360,000 | $90,000 | $152,000 | $24,000 | $39,000 |
| American Indian or Alaskan Native | 3 | $274,000 | $91,000 | $135,000 | $81,000 | $159,000 |
| Hispanic | 2 | $245,000 | $122,000 | $200,000 | $170,000 | $320,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $335,000 | $167,000 | $169,000 | $47,000 | $55,000 |
| 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) | 663 | $49,792,000 | $75,000 | $899,000 | $61,000 | $468,000 |
| FHA-insured (Federal Housing Administration) | 60 | $6,620,000 | $110,000 | $220,000 | $49,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $414,000 | $82,000 | $106,000 | $21,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 3 | $443,000 | $147,000 | $198,000 | $61,000 | $96,000 |
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 | 483 | $36,788,000 | $76,000 | $899,000 | $61,000 | $468,000 |
| Application Denied By Financial Institution | 132 | $9,816,000 | $74,000 | $240,000 | $56,000 | $375,000 |
| Application Withdrawn By Applicant | 51 | $4,700,000 | $92,000 | $390,000 | $71,000 | $370,000 |
| Loan Purchased By The Institution | 38 | $3,879,000 | $102,000 | $223,000 | $48,000 | $240,000 |
| Application Approved But Not Accepted | 21 | $1,556,000 | $74,000 | $252,000 | $59,000 | $227,000 |
| File Closed For Incompleteness | 6 | $530,000 | $88,000 | $138,000 | $83,000 | $244,000 |
| 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 | 21 | $1,253,000 | $59,000 | $194,000 | $55,000 | $248,000 |
| Collateral | 21 | $1,993,000 | $94,000 | $240,000 | $78,000 | $307,000 |
| Debt-To-Income Ratio | 14 | $826,000 | $59,000 | $162,000 | $44,000 | $120,000 |
| Other | 8 | $577,000 | $72,000 | $207,000 | $53,000 | $125,000 |
| Credit Application Incomplete | 2 | $160,000 | $80,000 | $100,000 | $59,000 | $80,000 |
| 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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