Fleming County, KY Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 670 mortgage applications in Fleming County, KY totaling $90.3 million, up 26% from 2020. The average application was for $134,000, and applicants reported an average income of $74,000. 62% of applications resulted in an originated loan and 18% were denied. The most active lender was Peoples Bank of Kentucky, Inc, with 114 applications, followed by Community Trust Bank, Inc. and US Bank, N.A..

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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 670
Total Mortgage Loan Application Amount $90,250,000
Average Mortgage Loan Application Amount $134,000
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $74,000
Highest Applicant Income $561,000

Mortgage Company List for Lending in Fleming County, KY for 2021

* 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
Peoples Bank of Kentucky, Inc
106 S MAIN CROSS ST
FLEMINGSBURG, KY 41041
* $ -1,000 114 $ 15,010,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,344,716,000 111 $ 14,115,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 61 $ 6,015,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 36 $ 3,700,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 25 $ 1,935,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 15 $ 1,805,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,535,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 515,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 10 $ 2,100,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 10 $ 1,480,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 9 $ 1,415,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 8 $ 990,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,170,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,663,066,000 7 $ 1,205,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 7 $ 1,605,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 6 $ 950,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ 250,630,000 6 $ 820,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 6 $ 850,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 1,107,663,000 6 $ 1,250,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 960,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 760,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,388,018,000 5 $ 255,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 5 $ 785,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 925,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 4 $ 460,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 4 $ 370,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 600,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 3,720,038,000 4 $ 660,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 4 $ 550,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 4 $ 460,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 4 $ 760,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 590,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 4,956,190,000 4 $ 400,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 405,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,275,110,000 3 $ 455,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 978,294,000 3 $ 65,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 3 $ 375,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 475,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 3 $ 475,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 3 $ 505,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 445,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 552,890,000 3 $ 245,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 2 $ 200,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 480,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,155,026,000 2 $ 110,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 2 $ 340,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 2 $ 230,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 2 $ 220,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 680,000
Pathways Financial Credit Union
5665 N. HAMILTON RD
COLUMBUS, OH 43230
* $ 414,199,000 2 $ 240,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 340,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 2 $ 310,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 190,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 2 $ 440,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 180,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 85,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 1 $ 1,275,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 105,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 416,824,000 1 $ 95,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 1 $ 75,000
Hancock Mortgage Partners, LLC
ONE SUGAR CREEK CENTER BLVD SUITE 1000
SUGAR LAND, TX 77478
* $ -1,000 1 $ 255,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 275,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 165,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 115,000
Mission Loans, LLC

IRVINE, CA 92612
* $ -1,000 1 $ 115,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 85,000
Beeline Loans, Inc.
188 VALLEY ST SUITE 225
PROVIDENCE, RI 02909
* $ -1,000 1 $ 135,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 95,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 375,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 387,236,000 1 $ 125,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 137,588,093,000 1 $ 305,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 125,000
Capital One, National Association
7933 PRESTON ROAD
PLANO, TX 75024
* $ 328,999,040,000 1 $ 3,005,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 75,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 195,000
Ally Bank

CHARLOTTE, NC 28202
* $ 167,492,000,000 1 $ 95,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 115,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 85,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 1 $ 65,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,762,148,000 1 $ 135,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ 1,034,678,000 1 $ 55,000
Members First Credit Union of Florida
251 WEST GARDEN STREET
PENSACOLA, FL 32502
* $ 200,992,000 1 $ 45,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ 494,299,000 1 $ 235,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 85,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 155,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 115,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 6,120,102,000 1 $ 35,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 1 $ 165,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 1 $ 65,000
Redstone Federal Credit Union
220 WYNN DRIVE
HUNTSVILLE, AL 35893
* $ 5,454,143,000 1 $ 25,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 275,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 997,561,000 1 $ 85,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,432,105,000 1 $ 65,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ -1,000 1 $ 195,000
Connexus Credit Union
2600 PINE RIDGE
WAUSAU, WI 54401
* $ 2,675,632,000 1 $ 105,000
Commercial Bank of Grayson
208 E MAIN ST
GRAYSON, KY 41143
* $ 178,804,000 1 $ 165,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 1 $ 95,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 1 $ 65,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 85,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 155,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 205,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 95,000

The tables below break down 2021 mortgage applications in Fleming 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 Fleming County, KY in 2021

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 327 $47,655,000 $145,000 $3,005,000 $67,000 $374,000
Refinancing 176 $24,150,000 $137,000 $1,275,000 $84,000 $561,000
Cash-out Refinancing 98 $14,370,000 $146,000 $455,000 $76,000 $323,000
Home Improvement 39 $2,165,000 $55,000 $275,000 $84,000 $240,000
Other Purpose 26 $1,650,000 $63,000 $305,000 $73,000 $212,000
Not Applicable 4 $260,000 $65,000 $85,000 $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 589 $73,975,000 $125,000 $585,000 $74,000 $561,000
Not applicable 37 $10,585,000 $286,000 $3,005,000 $0 $0
Not Provided 32 $4,070,000 $127,000 $255,000 $76,000 $199,000
American Indian or Alaskan Native 5 $445,000 $89,000 $155,000 $75,000 $83,000
Black or African American 4 $580,000 $145,000 $225,000 $77,000 $109,000
Hispanic 2 $390,000 $195,000 $365,000 $68,000 $70,000
Asian 1 $205,000 $205,000 $205,000 $69,000 $69,000
Native Hawaiian or Other Pacific Islander 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) 522 $69,850,000 $133,000 $3,005,000 $77,000 $561,000
FHA-insured (Federal Housing Administration) 73 $8,995,000 $123,000 $265,000 $51,000 $119,000
VA-guaranteed (Veterans Administration) 46 $7,700,000 $167,000 $375,000 $74,000 $213,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,705,000 $127,000 $225,000 $56,000 $90,000

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 414 $60,290,000 $145,000 $3,005,000 $78,000 $561,000
Application Denied By Financial Institution 121 $12,955,000 $107,000 $315,000 $67,000 $323,000
Application Withdrawn By Applicant 44 $5,970,000 $135,000 $455,000 $69,000 $199,000
File Closed For Incompleteness 36 $4,070,000 $113,000 $305,000 $59,000 $125,000
Loan Purchased By The Institution 30 $4,220,000 $140,000 $375,000 $63,000 $63,000
Application Approved But Not Accepted 25 $2,745,000 $109,000 $335,000 $64,000 $112,000
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 543 $76,645,000 $141,000 $3,005,000 $74,000 $374,000
Credit History 49 $4,535,000 $92,000 $285,000 $64,000 $213,000
Debt-To-Income Ratio 25 $2,825,000 $113,000 $255,000 $78,000 $561,000
Other 20 $2,390,000 $119,000 $235,000 $70,000 $280,000
Collateral 13 $995,000 $76,000 $155,000 $56,000 $105,000
Unverifiable Information 9 $1,105,000 $122,000 $165,000 $89,000 $180,000
Credit Application Incomplete 8 $1,180,000 $147,000 $295,000 $90,000 $323,000
Insufficient Cash (Downpayment, Closing Cost) 2 $440,000 $220,000 $315,000 $117,000 $146,000
Employment History 1 $135,000 $135,000 $135,000 $82,000 $82,000
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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