Elliott County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 75 mortgage applications in Elliott County, KY totaling $6.6 million, up 1% from 2010. The average application was for $87,000, and applicants reported an average income of $47,000. 40% of applications resulted in an originated loan and 41% were denied. The most active lender was Kentucky Bank, with 19 applications, followed by Vanderbilt Mortgage and Finance, Inc and US Bk NA Nd.
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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 | 75 |
| Total Mortgage Loan Application Amount | $6,559,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $350,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $118,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 658,623,000 | 19 | $ 1,959,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 1,088,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 10 | $ 818,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 5 | $ 282,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 577,869,000 | 2 | $ 151,000 |
| Peoples Bank, National Associa 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,830,322,000 | 2 | $ 90,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 2 | $ 73,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,613,220,000 | 2 | $ 132,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 171,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 379,380,000 | 1 | $ 52,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 49,000 |
| First Priority Federal Credit Union 9408 VIRGINIA AVE HUNTINGTON, WV 25701 |
* | $ 49,971,000 | 1 | $ 42,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,147,152,000 | 1 | $ 350,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,587,678,000 | 1 | $ 5,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 67,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 47,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 118,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 56,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 256,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 1 | $ 38,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 1 | $ 115,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 1 | $ 90,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 1 | $ 135,000 |
The tables below break down 2011 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 2011
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 | 42 | $4,343,000 | $103,000 | $350,000 | $54,000 | $117,000 |
| Home Purchase | 27 | $2,037,000 | $75,000 | $144,000 | $39,000 | $65,000 |
| Home Improvement | 6 | $179,000 | $29,000 | $56,000 | $41,000 | $118,000 |
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 | 66 | $5,908,000 | $89,000 | $350,000 | $48,000 | $118,000 |
| Not Provided | 9 | $651,000 | $72,000 | $118,000 | $41,000 | $108,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 69 | $5,975,000 | $86,000 | $350,000 | $48,000 | $118,000 |
| FHA-insured (Federal Housing Administration) | 5 | $507,000 | $101,000 | $216,000 | $47,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 1 | $77,000 | $77,000 | $77,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 31 | $2,631,000 | $84,000 | $350,000 | $39,000 | $112,000 |
| Loan Originated | 30 | $2,445,000 | $81,000 | $228,000 | $51,000 | $118,000 |
| Application Approved But Not Accepted | 9 | $730,000 | $81,000 | $256,000 | $45,000 | $102,000 |
| Application Withdrawn By Applicant | 4 | $670,000 | $167,000 | $250,000 | $100,000 | $117,000 |
| File Closed For Incompleteness | 1 | $83,000 | $83,000 | $83,000 | $37,000 | $37,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8 | $620,000 | $77,000 | $91,000 | $50,000 | $108,000 |
| Debt-To-Income Ratio | 1 | $350,000 | $350,000 | $350,000 | $27,000 | $27,000 |
| Collateral | 1 | $216,000 | $216,000 | $216,000 | $100,000 | $100,000 |
| Credit Application Incomplete | 1 | $90,000 | $90,000 | $90,000 | $112,000 | $112,000 |
| Other | 1 | $94,000 | $94,000 | $94,000 | $29,000 | $29,000 |
| Unverifiable Information | 1 | $52,000 | $52,000 | $52,000 | $21,000 | $21,000 |
| 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.
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