Edmonson County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 502 mortgage applications in Edmonson County, KY totaling $48.1 million, down 24% from 2009. The average application was for $95,000, and applicants reported an average income of $59,000. 55% of applications resulted in an originated loan and 25% were denied. The most active lender was Bank of Edmonson County, with 156 applications, followed by US Bank, N.A. and Embrace Home Loans, 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 | 502 |
| Total Mortgage Loan Application Amount | $48,074,000 |
| Average Mortgage Loan Application Amount | $95,000 |
| Highest Mortgage Loan Application Amount | $1,040,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $523,000 |
* 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 |
* | $ 204,222,000 | 156 | $ 11,664,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 25 | $ 2,465,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 2,620,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 24 | $ 2,797,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,825,348,000 | 19 | $ 1,612,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,119,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 15 | $ 1,429,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 15 | $ 1,254,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 12 | $ 1,579,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 11 | $ 1,190,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 9 | $ 1,245,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 9 | $ 1,142,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 1,603,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,817,638,000 | 8 | $ 1,271,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 8 | $ 295,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,919,085,000 | 7 | $ 127,000 |
| The Farmers National Bank of Scottsville 1595 VETERANS MEMORIAL HWY SCOTTSVILLE, KY 42164 |
* | $ 220,999,000 | 7 | $ 47,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ 404,248,000 | 7 | $ 629,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 7 | $ 848,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 658,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 5 | $ 664,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 884,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 568,279,000 | 4 | $ 441,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 125,649,000 | 4 | $ 592,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 303,704,000 | 4 | $ 212,000 |
| American Bank & Trust Company Inc. 1302 SCOTTSVILLE ROAD BOWLING GREEN, KY 42102 |
* | $ 218,896,000 | 4 | $ 566,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 4 | $ 442,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 395,787,000 | 4 | $ 541,000 |
| Service One Credit Union P.O. BOX 51770 BOWLING GREEN, KY 42102 |
* | $ 101,766,000 | 3 | $ 195,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 140,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 524,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 618,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 3 | $ 372,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 381,000 |
| South Central Bank of Bowling 1757 CAMPBELL LANE BOWLING GREEN, KY 42104 |
* | $ 232,022,000 | 2 | $ 12,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 98,000 |
| Independence Bank 13100 NORTHWEST FREEWAY SUITE 100 HOUSTON, TX 77040 |
* | $ 149,708,000 | 2 | $ 177,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 359,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 289,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 2 | $ 440,000 |
| Republic State Mortgage Co. 2715 BISSONNET, SUITE 102 HOUSTON, TX 77005 |
* | $ 10,000,000 | 2 | $ 189,000 |
| The Cecilian Bank 104 EAST MAIN STREET CECILIA, KY 42724 |
* | $ 406,515,000 | 2 | $ 196,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 852,360,000 | 2 | $ 342,000 |
| Franklin Bank & Trust Company P.O. BOX 449 FRANKLIN, KY 42134 |
* | $ 322,148,000 | 1 | $ 3,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 77,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 127,000 |
| American Bank 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 1 | $ 158,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 607,497,000 | 1 | $ 51,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 457,299,000 | 1 | $ 120,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 60,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 121,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 208,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 118,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 140,000 |
| First Rate Mortgage 10400 LINN STATION RD LOUISVILLE, KY 40223 |
* | $ 102,272,000 | 1 | $ 60,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 82,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 1 | $ 119,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,104,173,000 | 1 | $ 50,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 187,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 48,000 |
| Woodforest Bank, FSB 25231 GROGANS MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 85,854,000 | 1 | $ 10,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,396,195,000 | 1 | $ 111,000 |
| Wintrust Mortgage Corporation 660 MIDWEST RD SUITE 100 OAK BROOK TERRACE, IL 60181 |
* | $ 300,000,000 | 1 | $ 94,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 650,290,000 | 1 | $ 140,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 127,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,845,482,000 | 1 | $ 140,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 882,619,000 | 1 | $ 132,000 |
| West Point Bank P.O. 440 RADCLIFF, KY 40160 |
* | $ 115,596,000 | 1 | $ 11,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 219,708,000 | 1 | $ 88,000 |
The tables below break down 2010 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 2010
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 | 306 | $32,446,000 | $106,000 | $385,000 | $58,000 | $523,000 |
| Home Purchase | 151 | $13,768,000 | $91,000 | $1,040,000 | $62,000 | $515,000 |
| Home Improvement | 45 | $1,860,000 | $41,000 | $251,000 | $60,000 | $292,000 |
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 | 441 | $40,945,000 | $92,000 | $1,040,000 | $61,000 | $523,000 |
| Not Provided | 37 | $3,926,000 | $106,000 | $229,000 | $72,000 | $363,000 |
| Not applicable | 22 | $3,141,000 | $142,000 | $348,000 | $0 | $0 |
| Hispanic | 2 | $62,000 | $31,000 | $56,000 | $61,000 | $84,000 |
| 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 |
| 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) | 409 | $37,232,000 | $91,000 | $1,040,000 | $63,000 | $523,000 |
| FHA-insured (Federal Housing Administration) | 91 | $10,659,000 | $117,000 | $251,000 | $42,000 | $126,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $92,000 | $92,000 | $92,000 | $47,000 | $47,000 |
| VA-guaranteed (Veterans Administration) | 1 | $91,000 | $91,000 | $91,000 | $45,000 | $45,000 |
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 | 275 | $25,172,000 | $91,000 | $385,000 | $73,000 | $523,000 |
| Application Denied By Financial Institution | 125 | $11,038,000 | $88,000 | $243,000 | $42,000 | $132,000 |
| Application Withdrawn By Applicant | 49 | $5,492,000 | $112,000 | $1,040,000 | $52,000 | $147,000 |
| Loan Purchased By The Institution | 35 | $4,579,000 | $130,000 | $276,000 | $27,000 | $105,000 |
| Application Approved But Not Accepted | 11 | $1,042,000 | $94,000 | $210,000 | $67,000 | $217,000 |
| File Closed For Incompleteness | 7 | $751,000 | $107,000 | $251,000 | $58,000 | $93,000 |
| 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 | 23 | $1,414,000 | $61,000 | $229,000 | $38,000 | $125,000 |
| Collateral | 20 | $2,337,000 | $116,000 | $195,000 | $59,000 | $126,000 |
| Debt-To-Income Ratio | 10 | $1,043,000 | $104,000 | $230,000 | $49,000 | $132,000 |
| Other | 5 | $350,000 | $70,000 | $130,000 | $43,000 | $92,000 |
| Credit Application Incomplete | 2 | $214,000 | $107,000 | $155,000 | $77,000 | $104,000 |
| Employment History | 2 | $353,000 | $176,000 | $236,000 | $28,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $161,000 | $161,000 | $161,000 | $59,000 | $59,000 |
| Unverifiable Information | 1 | $102,000 | $102,000 | $102,000 | $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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