Estill County, KY Mortgage Lenders & HMDA Data, 2007

In 2007, lenders reported 752 mortgage applications in Estill County, KY totaling $58.2 million, down 23% from 2006. The average application was for $77,000, and applicants reported an average income of $50,000. 38% of applications resulted in an originated loan and 34% were denied. The most active lender was Citizens Guaranty Bank, with 125 applications, followed by Countrywide Home Loans and Hfc Company LLC.

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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 752
Total Mortgage Loan Application Amount $58,231,000
Average Mortgage Loan Application Amount $77,000
Highest Mortgage Loan Application Amount $1,500,000
Average Applicant Income $50,000
Highest Applicant Income $960,000

Mortgage Company List for Lending in Estill County, KY for 2007

* 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
Citizens Guaranty Bank
457 EAST MAIN STREET; PO BOX 767
RICHMOND, KY 40476
* $ 106,188,000 125 $ 7,491,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 68 $ 6,618,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 46 $ 2,615,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,419,450,000 38 $ 2,245,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 30 $ 1,914,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 92,836,714,000 29 $ 2,759,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,884,318,000,000 27 $ 1,158,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 117,134,085,000 22 $ 1,210,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,179,390,000,000 17 $ 1,564,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 217,802,326,000 15 $ 1,114,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 14 $ 732,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 14 $ 957,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 13 $ 1,630,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 134,344,792,000 13 $ 960,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,200,208,000 12 $ 478,000
Wells Fargo Fin'l Kentucky Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 11 $ 828,000
The Cit Group/Consumer Finance
1 CIT DRIVE
LIVINGSTON, NJ 07039
* $ 10,000,000 11 $ 733,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 254,471,000 11 $ 794,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 10 $ 892,000
Equity One
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 21,874,000,000 10 $ 707,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 9 $ 847,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 398,671,000,000 8 $ 1,648,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 138,667,948,000 8 $ 700,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 8 $ 706,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 7 $ 903,000
First Nlc Financial Services,
4680 CONFERENCE WAY SOUTH
BOCA RATON, FL 33431
* $ 10,000,000 7 $ 688,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 7 $ 822,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 2,958,674,000 7 $ 384,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 7 $ 785,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 20,349,757,000 5 $ 628,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,393,321,000 5 $ 386,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 345,610,758,000 5 $ 591,000
First Franklin Financial Corp
2150 NORTH FIRST STREET
SAN JOSE, CA 95131
* $ 14,004,000 5 $ 648,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 337,500,000 4 $ 346,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 509,775,000 4 $ 166,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 4 $ 333,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 4 $ 411,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 3 $ 130,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 475,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 3 $ 414,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 3 $ 330,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 3 $ 234,000
Option One Mortgage Corp
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 3 $ 317,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 16,981,282,000 3 $ 230,000
Alliance Banking Company
695 BULLION BLVD
WINCHESTER, KY 40391
* $ 45,764,000 3 $ 315,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 19,105,280,000 3 $ 288,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 26,048,419,000 3 $ 305,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 3 $ 325,000
Abn Amro Mtg Group Inc
850 THIRD AVENUE, 12TH FLOOR
NEW YORK, NY 10022
* $ 250,000,000 3 $ 445,000
First Indiana Bank
135 NORTH PENNSYLVANIA
INDIANAPOLIS, IN 46204
* $ 2,158,392,000 3 $ 335,000
Fifth Third Bank Michigan
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,441,275,000 3 $ 111,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 182,588,156,000 2 $ 305,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 372,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 2 $ 174,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 2 $ 198,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,464,820,000 2 $ 65,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 12,595,722,000 2 $ 95,000
BNC Mortgage
745 SEVENTH AVENUE, 24TH FLOOR
NEW YORK, NY 10019
* $ 2,500,000,000 2 $ 340,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 19,937,022,000 2 $ 110,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 2 $ 192,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 2 $ 85,000
Residential Funding Corp. LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 2 $ 56,000
Mortgage It Inc
60 WALL ST
NEW YORK, NY 10005
* $ 10,000,000 2 $ 294,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 2 $ 191,000
American General Home Equ.(De)
601 N.W. SECOND STREET, P.O. BOX 59
EVANSVILLE, IN 47701
* $ 10,000,000 2 $ 97,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 67,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 1 $ 65,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 126,000
Bear Stearns Residential Mortg
9201 E. MOUNTAIN VIEW RD, STE 210
SCOTTSDALE, AZ 85258
* $ 2,926,352,230,000 1 $ 50,000
AMC Mortgage Services, Inc.
1100 TOWN & COUNTRY ROAD, SUITE 1100
IRVINE, CA 92868
* $ 10,000,000 1 $ 168,000
First Rate Mortgage
10400 LINN STATION RD
LOUISVILLE, KY 40223
* $ 102,272,000 1 $ 93,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 1 $ 51,000
Performance Credit Corporation
2040 MAIN STREET, SUITE 800B
IRVINE, CA 92614
* $ 10,000,000 1 $ 50,000
Delta Funding Corporation
1000 WOODBURY ROAD
WOODBURY, NY 11797
* $ 31,000,000 1 $ 53,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 1 $ 73,000
Ame Financial Corporation
6455 SHILOH RD STE D
ALPHARETTA, GA 30005
* $ 21,903,000 1 $ 155,000
Allied Home Mtg Capital Corp
6110 PINEMONT DR., STE. 215
HOUSTON, TX 77092
* $ 10,000,000 1 $ 105,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 90,142,449,000 1 $ 6,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 1 $ 37,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 1 $ 28,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,112,383,000 1 $ 88,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 1,660,337,000 1 $ 70,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 157,717,000 1 $ 73,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 2,978,011,000 1 $ 168,000
Central Bank of Jefferson Cty
4630 TAYLORSVILLE RD
LOUISVILLE, KY 40220
* $ 179,066,000 1 $ 60,000
Decision One Mortgage
26525 N. RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 12,000,000 1 $ 79,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 804,648,000 1 $ 79,000
Popular Housing Services
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 12,000,000 1 $ 31,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 630,014,000 1 $ 3,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 765,076,000 1 $ 89,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 252,285,000 1 $ 30,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 218,877,000 1 $ 95,000
Members Heritage FCU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 194,474,000 1 $ 128,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 1,140,942,000 1 $ 100,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 146,260,800,000 1 $ 120,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 11,121,365,000 1 $ 28,000
PNC Reverse Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 1 $ 82,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 1 $ 76,000
Wachovia Mortgage Corp
301 S COLLEGE ST
CHARLOTTE, NC 28202
* $ 2,687,938,000 1 $ 87,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 103,827,000 1 $ 52,000
HSBC Bank USA, NA
1 HSBC CENTER - 24TH FLOOR
BUFFALO, NY 14203
* $ 165,673,017,000 1 $ 61,000
Integra Bank
PO BOX 868
EVANSVILLE, IN 47705
* $ 2,676,585,000 1 $ 68,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 447,310,000 1 $ 59,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,196,123,794,000 1 $ 13,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 30,802,955,000 1 $ 7,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 83,973,505,000 1 $ 99,000

The tables below break down 2007 mortgage applications in Estill 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 Estill County, KY in 2007

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 450 $39,909,000 $88,000 $1,254,000 $53,000 $960,000
Home Purchase 189 $14,666,000 $77,000 $1,500,000 $45,000 $168,000
Home Improvement 113 $3,656,000 $32,000 $145,000 $44,000 $130,000

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 676 $49,653,000 $73,000 $340,000 $51,000 $960,000
Not Provided 49 $4,153,000 $84,000 $225,000 $50,000 $150,000
Not applicable 18 $3,937,000 $218,000 $1,500,000 $19,000 $83,000
American Indian or Alaskan Native 3 $169,000 $56,000 $85,000 $28,000 $37,000
Black or African American 3 $120,000 $40,000 $46,000 $48,000 $60,000
Hispanic 3 $199,000 $66,000 $89,000 $38,000 $44,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
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) 715 $52,115,000 $72,000 $340,000 $50,000 $960,000
FHA-insured (Federal Housing Administration) 27 $3,840,000 $142,000 $1,254,000 $47,000 $88,000
VA-guaranteed (Veterans Administration) 6 $529,000 $88,000 $145,000 $30,000 $42,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $1,747,000 $436,000 $1,500,000 $27,000 $43,000

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 287 $20,085,000 $69,000 $340,000 $49,000 $205,000
Application Denied By Financial Institution 257 $21,442,000 $83,000 $1,500,000 $50,000 $960,000
Application Approved But Not Accepted 68 $4,507,000 $66,000 $285,000 $57,000 $480,000
Application Withdrawn By Applicant 67 $5,894,000 $87,000 $285,000 $52,000 $136,000
Loan Purchased By The Institution 55 $4,502,000 $81,000 $233,000 $40,000 $90,000
File Closed For Incompleteness 18 $1,801,000 $100,000 $192,000 $62,000 $138,000
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 57 $3,283,000 $57,000 $170,000 $44,000 $150,000
Collateral 21 $1,846,000 $87,000 $190,000 $57,000 $166,000
Debt-To-Income Ratio 20 $1,742,000 $87,000 $200,000 $87,000 $960,000
Other 19 $3,140,000 $165,000 $1,500,000 $46,000 $89,000
Credit Application Incomplete 11 $1,170,000 $106,000 $170,000 $57,000 $120,000
Unverifiable Information 5 $310,000 $62,000 $106,000 $69,000 $108,000
Employment History 4 $193,000 $48,000 $77,000 $36,000 $59,000
Insufficient Cash (Downpayment, Closing Cost) 1 $68,000 $68,000 $68,000 $44,000 $44,000
Mortgage Insurance Denied 1 $1,254,000 $1,254,000 $1,254,000 $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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