Elliott County, KY Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 244 mortgage applications in Elliott County, KY totaling $13.0 million. The average application was for $53,000, and applicants reported an average income of $40,000. 48% of applications resulted in an originated loan and 33% were denied. The most active lender was First National Bank of Grayson, with 74 applications, followed by Peoples Exchange Bank and Vanderbilt Mortgage.
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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 | 244 |
| Total Mortgage Loan Application Amount | $13,035,000 |
| Average Mortgage Loan Application Amount | $53,000 |
| Highest Mortgage Loan Application Amount | $232,000 |
| Average Applicant Income | $40,000 |
| Highest Applicant Income | $167,000 |
* 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 |
|---|---|---|---|---|
| First National Bank of Grayson PO BOX 67 GRAYSON, KY 41143 |
* | $ 139,325,000 | 74 | $ 2,917,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 177,712,000 | 27 | $ 2,350,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 22 | $ 957,000 |
| The Commercial Bank of Grayson 208 EAST MAIN STREET, P. O. BOX 7 GRAYSON, KY 41143 |
* | $ 146,518,000 | 17 | $ 631,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 32,738,033,000 | 13 | $ 655,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 7 | $ 311,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 2,437,029,000 | 7 | $ 202,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 727,337,000,000 | 6 | $ 346,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 58,034,697,000 | 5 | $ 275,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 5 | $ 217,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 100,646,000 | 5 | $ 562,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 3 | $ 252,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ 135,120,000 | 3 | $ 107,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 188,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 3 | $ 155,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 122,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 105,000 |
| Bank One, NA 45303 VAN DYKE SUITE 9048 UTICA, MI 48317 |
* | $ 53,001,000,000 | 2 | $ 82,000 |
| Chase Manhattan Mortgage Corp 343 THORNALL STREET EDISON, NJ 08837 |
* | $ 622,388,000,000 | 2 | $ 117,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 68,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 2 | $ 154,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 2 | $ 99,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 43,721,511,000 | 2 | $ 456,000 |
| Oakwood Acceptance Corporation 7800 MCCLOUD ROAD GREENSBORO, NC 27409 |
* | $ 10,000,000 | 2 | $ 60,000 |
| Whitaker Bank NA PO BOX 55439 LEXINGTON, KY 40555 |
* | $ 544,875,000 | 2 | $ 195,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 176,049,792,000 | 1 | $ 107,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 19,074,052,000 | 1 | $ 13,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 64,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 1 | $ 132,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Resource Bank 4429 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 712,440,000 | 1 | $ 46,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Tammac Corporation 275 MUNDAY STREET WILKES BARRE, PA 18702 |
* | $ 10,000,000 | 1 | $ 15,000 |
| The Cit Group/Consumer Finance 650 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 1,358,138,000 | 1 | $ 50,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,384,712,000 | 1 | $ 50,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 1 | $ 48,000 |
| First Priority Federal Credit Union 9408 VIRGINIA AVE HUNTINGTON, WV 25701 |
* | $ 37,838,000 | 1 | $ 38,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 8,190,484,000 | 1 | $ 50,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 43,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 1 | $ 104,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,479,610,000 | 1 | $ 2,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 66,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 70,000 |
| Avizen Lending Solutions 8441 WAZATA BLVD GOLDEN VALLEY, MN 55426 |
* | $ 10,000,000 | 1 | $ 55,000 |
The tables below break down 2003 mortgage applications in Elliott 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 Elliott County, KY in 2003
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 (home purchase or home improvement, one-to-four family) | 119 | $8,346,000 | $70,000 | $232,000 | $40,000 | $152,000 |
| Home Purchase (one-to-four family) | 93 | $4,223,000 | $45,000 | $180,000 | $39,000 | $167,000 |
| Home Improvement (one-to-four family) | 32 | $466,000 | $14,000 | $75,000 | $41,000 | $143,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 223 | $11,518,000 | $51,000 | $224,000 | $41,000 | $167,000 |
| Information not provided by applicant in mail or telephone application | 9 | $878,000 | $97,000 | $232,000 | $48,000 | $88,000 |
| Not applicable | 8 | $351,000 | $43,000 | $65,000 | $0 | $0 |
| Other | 3 | $227,000 | $75,000 | $101,000 | $29,000 | $42,000 |
| American Indian or Alaskan Native | 1 | $61,000 | $61,000 | $61,000 | $56,000 | $56,000 |
| Asian or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 241 | $12,906,000 | $53,000 | $232,000 | $40,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $106,000 | $53,000 | $56,000 | $33,000 | $42,000 |
| FHA-insured (Federal Housing Administration) | 1 | $23,000 | $23,000 | $23,000 | $49,000 | $49,000 |
| 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 | 117 | $6,231,000 | $53,000 | $224,000 | $46,000 | $167,000 |
| Application Denied By Financial Institution | 80 | $4,141,000 | $51,000 | $160,000 | $37,000 | $144,000 |
| Application Withdrawn By Applicant | 19 | $1,198,000 | $63,000 | $180,000 | $47,000 | $100,000 |
| Application Approved But Not Accepted | 15 | $825,000 | $55,000 | $232,000 | $41,000 | $97,000 |
| Loan Purchased By The Institution | 10 | $480,000 | $48,000 | $65,000 | $6,000 | $31,000 |
| File Closed For Incompleteness | 3 | $160,000 | $53,000 | $57,000 | $42,000 | $60,000 |
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 |
|---|---|---|---|---|---|---|
| Other | 26 | $1,404,000 | $54,000 | $160,000 | $42,000 | $127,000 |
| Credit History | 20 | $866,000 | $43,000 | $90,000 | $27,000 | $49,000 |
| Debt-To-Income Ratio | 6 | $437,000 | $72,000 | $142,000 | $35,000 | $61,000 |
| Credit Application Incomplete | 5 | $286,000 | $57,000 | $115,000 | $34,000 | $61,000 |
| Collateral | 3 | $105,000 | $35,000 | $51,000 | $32,000 | $57,000 |
| Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $0 | $0 |
| Employment History | 1 | $8,000 | $8,000 | $8,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $160,000 | $160,000 | $160,000 | $132,000 | $132,000 |
| 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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