Edmonson County, KY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 565 mortgage applications in Edmonson County, KY totaling $90.5 million, down 11% from 2022. The average application was for $160,000, and applicants reported an average income of $107,000. 59% of applications resulted in an originated loan and 17% were denied. The most active lender was Bank of Edmonson County, with 96 applications, followed by Vanderbilt Mortgage and Finance, Inc and South Central Bank Inc.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 565
Total Mortgage Loan Application Amount $90,545,000
Average Mortgage Loan Application Amount $160,000
Highest Mortgage Loan Application Amount $1,105,000
Average Applicant Income $107,000
Highest Applicant Income $3,470,000

Mortgage Company List for Lending in Edmonson County, KY for 2023

* 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
* $ 271,364,000 96 $ 13,190,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 36 $ 4,330,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,734,843,000 26 $ 2,750,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 21 $ 4,255,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 18 $ 3,670,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 2,325,000
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ 740,741,000 14 $ 2,130,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 14 $ 2,810,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 2,640,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 14 $ 1,810,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 2,104,193,000 12 $ 1,670,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 11 $ 1,675,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 3,450,913,000 11 $ 2,075,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 11 $ 1,295,000
Service One Credit Union
P.O. BOX 51770
BOWLING GREEN, KY 42102
* $ 282,395,000 9 $ 835,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 7,197,574,000 9 $ 1,365,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ 277,592,000 9 $ 1,565,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 8 $ 1,190,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 8 $ 930,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 7 $ 1,465,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 6,150,272,000 6 $ 740,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 6 $ 1,370,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 661,211,000 6 $ 770,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 6 $ 720,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 6 $ 380,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 5 $ 775,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 5 $ 1,575,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 5 $ 695,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 5 $ 585,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 1,401,549,000 5 $ 795,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 895,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 4 $ 330,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 840,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 4 $ 1,300,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 706,771,000 4 $ 360,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 4 $ 490,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 1,156,139,000 3 $ 1,445,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,469,556,000 3 $ 585,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 3 $ 775,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 3 $ 295,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 895,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 3 $ 645,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 1,252,212,000 3 $ 565,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 3 $ 895,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 3 $ 345,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 280,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 396,988,000 2 $ 90,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ -1,000 2 $ 540,000
Sharefax Credit Union
1147 OLD STATE ROUTE 74
CINCINNATI, OH 45245
* $ 514,845,000 2 $ 880,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 220,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 605,740,000 2 $ 370,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 2 $ 650,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 380,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 340,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,925,697,000 2 $ 210,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 410,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 420,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 1,166,483,000 2 $ 340,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,307,068,000 2 $ 640,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 250,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 250,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 18,739,008,000 2 $ 50,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 400,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 1 $ 165,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 5,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 155,000
Raymond James Bank
710 CARILLON PARKWAY
SAINT PETERSBURG, FL 33716
* $ 42,076,662,000 1 $ 575,000
Peoples Bank Mt Washington
P O BOX 95, 201 N BARDSTOWN ROAD
MT WASHINGTON, KY 40047
* $ 110,930,000 1 $ 55,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 1 $ 55,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 1 $ 115,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 235,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 3,821,266,000 1 $ 295,000
Bank of Buffalo
2375 LINCOLN FARM RD
HODGENVILLE, KY 42748
* $ 90,141,000 1 $ 135,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 485,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 125,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 425,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 35,526,360,000 1 $ 65,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 125,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ -1,000 1 $ 615,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 205,000
Rbc Bank (Georgia), N.A.

RALEIGH, NC 27607
* $ 6,097,782,000 1 $ 115,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 1 $ 205,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 4,973,142,000 1 $ 15,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ 411,957,000 1 $ 85,000
Castle Mortgage Corporation
10251 VISTA SORRENTO PKWY, STE. 225
WILMINGTON, DE 92121
* $ -1,000 1 $ 205,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 95,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 7,488,838,000 1 $ 365,000
Meade County Bank
PO BOX 278
BRANDENBURG, KY 40108
* $ 343,097,000 1 $ 125,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 395,993,000 1 $ 35,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 1 $ 165,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 1 $ 175,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 115,000
First Harrison Bank
220 FEDERAL DR NW
CORYDON, IN 47112
* $ 1,146,163,000 1 $ 65,000
The Paducah Bank and Trust Company
2635 LONE OAK RD
PADUCAH, KY 42002
* $ 891,968,000 1 $ 145,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 7,481,805,000 1 $ 345,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 375,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 1,154,561,000 1 $ 105,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 125,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 305,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 275,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 125,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,453,555,000 1 $ 85,000

The tables below break down 2023 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 2023

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 315 $58,705,000 $186,000 $1,105,000 $102,000 $1,315,000
Cash-out Refinancing 75 $13,455,000 $179,000 $975,000 $95,000 $713,000
Refinancing 63 $10,005,000 $158,000 $1,005,000 $93,000 $725,000
Other Purpose 59 $5,105,000 $86,000 $575,000 $157,000 $3,470,000
Home Improvement 52 $3,220,000 $61,000 $255,000 $108,000 $325,000
Not Applicable 1 $55,000 $55,000 $55,000 $39,000 $39,000

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 462 $71,470,000 $154,000 $1,005,000 $106,000 $3,470,000
Not applicable 47 $10,265,000 $218,000 $1,105,000 $39,000 $39,000
Not Provided 39 $6,715,000 $172,000 $615,000 $106,000 $614,000
Hispanic 7 $715,000 $102,000 $175,000 $187,000 $757,000
American Indian or Alaskan Native 3 $375,000 $125,000 $165,000 $55,000 $74,000
Black or African American 3 $265,000 $88,000 $195,000 $147,000 $211,000
Asian 1 $235,000 $235,000 $235,000 $130,000 $130,000
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $75,000 $75,000

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) 431 $63,935,000 $148,000 $1,105,000 $116,000 $3,470,000
FHA-insured (Federal Housing Administration) 71 $13,795,000 $194,000 $425,000 $69,000 $201,000
VA-guaranteed (Veterans Administration) 47 $9,975,000 $212,000 $505,000 $76,000 $142,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $2,840,000 $177,000 $285,000 $62,000 $88,000

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 333 $57,975,000 $174,000 $1,105,000 $123,000 $3,470,000
Application Denied By Financial Institution 97 $11,415,000 $117,000 $465,000 $80,000 $240,000
Loan Purchased By The Institution 36 $6,950,000 $193,000 $425,000 $39,000 $39,000
Application Withdrawn By Applicant 35 $5,845,000 $167,000 $505,000 $93,000 $325,000
File Closed For Incompleteness 35 $4,305,000 $123,000 $365,000 $64,000 $180,000
Application Approved But Not Accepted 29 $4,055,000 $139,000 $435,000 $92,000 $212,000
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
Not applicable 359 $63,175,000 $175,000 $655,000 $112,000 $3,470,000
Debt-To-Income Ratio 136 $18,840,000 $138,000 $1,105,000 $104,000 $1,315,000
Credit History 37 $3,835,000 $103,000 $315,000 $89,000 $225,000
Collateral 15 $2,295,000 $153,000 $385,000 $87,000 $240,000
Unverifiable Information 9 $975,000 $108,000 $185,000 $54,000 $119,000
Credit Application Incomplete 6 $650,000 $108,000 $205,000 $73,000 $147,000
Other 3 $775,000 $258,000 $465,000 $131,000 $204,000
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

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.

Download the Kentucky Lender List