Floyd County, KY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 1,286 mortgage applications in Floyd County, KY totaling $100.9 million, down 39% from 2007. The average application was for $78,000, and applicants reported an average income of $57,000. 40% of applications resulted in an originated loan and 37% were denied. The most active lender was Community Trust Bank, Inc., with 266 applications, followed by US Bank North Dakota and Citizens Nb of Paintsville.
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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 | 1,286 |
| Total Mortgage Loan Application Amount | $100,883,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $1,203,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $1,387,000 |
* 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 |
|---|---|---|---|---|
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,892,231,000 | 266 | $ 19,560,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 212 | $ 10,146,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 106 | $ 10,365,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 77 | $ 5,169,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 66 | $ 5,424,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,187,631,000,000 | 64 | $ 2,876,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 47 | $ 5,080,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 38 | $ 3,603,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 37 | $ 2,627,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 23 | $ 1,278,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 18 | $ 697,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 17 | $ 1,526,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 17 | $ 1,287,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 16 | $ 2,880,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 14 | $ 1,133,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,317,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 12 | $ 816,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 11 | $ 996,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 10 | $ 1,222,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 10 | $ 1,295,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 9 | $ 1,178,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 9 | $ 989,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 9 | $ 1,285,000 |
| Popular Housing Services 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 11,000,000 | 8 | $ 568,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 8 | $ 919,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 7 | $ 577,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,024,460,000 | 7 | $ 742,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 7 | $ 979,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 7 | $ 742,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 6 | $ 285,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 343,735,670,000 | 6 | $ 597,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 938,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,462,991,000 | 5 | $ 151,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 5 | $ 529,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 646,856,000 | 5 | $ 508,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 4 | $ 256,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,271,572,000 | 4 | $ 230,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 4 | $ 423,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 4 | $ 479,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 4 | $ 425,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 405,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 3 | $ 202,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 3 | $ 28,000 |
| First Tennessee Bank NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 36,725,591,000 | 3 | $ 410,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 3 | $ 562,000 |
| First Rate Mortgage 10400 LINN STATION RD LOUISVILLE, KY 40223 |
* | $ 102,272,000 | 3 | $ 309,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 429,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 403,955,000 | 2 | $ 275,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 717,398,000 | 2 | $ 126,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 2 | $ 204,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 2 | $ 191,000 |
| Assurity Financial Services 6025 SOUTH QUEBEC STREET, #260 ENGLEWOOD, CO 80111 |
* | $ 10,000,000 | 2 | $ 170,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 2 | $ 166,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 20,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 2 | $ 16,000 |
| Tierone Bank 1235 "N" STREET LINCOLN, NE 68508 |
* | $ 3,535,843,000 | 2 | $ 162,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 2 | $ 161,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 2 | $ 308,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 77,748,330,000 | 2 | $ 247,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Ideal Mortgage Bankers, Ltd 520 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 117,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 234,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 104,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 653,393,000 | 1 | $ 18,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 962,672,000 | 1 | $ 255,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 24,000 |
| Sterling National Mortgage Co. 98 CUTTERMILL RD GREAT NECK, NY 11021 |
* | $ 964,388,000 | 1 | $ 137,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 124,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 1 | $ 29,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 124,782,289,000 | 1 | $ 30,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 42,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 260,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 1 | $ 58,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 267,080,000 | 1 | $ 41,000 |
| Security Bank 510 E. MONROE ST SPRINGFIELD, IL 62701 |
* | $ 176,011,000 | 1 | $ 38,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 870,669,000 | 1 | $ 56,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 171,611,000 | 1 | $ 127,000 |
| Alliance Banking Company 695 BULLION BLVD WINCHESTER, KY 40391 |
* | $ 55,493,000 | 1 | $ 22,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 1 | $ 118,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 85,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,901,132,000 | 1 | $ 113,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 103,000 |
| Liberty Mortgage Corporation 223 W NASH STREET WILSON, NC 27893 |
* | $ 2,406,088,000 | 1 | $ 132,000 |
| Usalliance Federal Credit Union 411 THEODORE FREMD AVE, SUITE 350 RYE, NY 10580 |
* | $ 592,227,000 | 1 | $ 50,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 551,751,000 | 1 | $ 50,000 |
| Premium Capital Funding LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 119,000 |
| Colorado Federal Savings Bank 8400 EAST PRENTICE AVE, SUITE 545 GREENWOOD VILLAGE, CO 80111 |
* | $ 45,485,000 | 1 | $ 183,000 |
The tables below break down 2008 mortgage applications in Floyd 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 Floyd County, KY in 2008
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 | 684 | $65,520,000 | $95,000 | $1,203,000 | $61,000 | $1,387,000 |
| Home Purchase | 352 | $27,888,000 | $79,000 | $385,000 | $51,000 | $302,000 |
| Home Improvement | 250 | $7,475,000 | $29,000 | $168,000 | $54,000 | $386,000 |
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 | 1,146 | $85,702,000 | $74,000 | $451,000 | $57,000 | $1,387,000 |
| Not Provided | 89 | $7,889,000 | $88,000 | $260,000 | $48,000 | $159,000 |
| Not applicable | 39 | $6,129,000 | $157,000 | $1,203,000 | $68,000 | $1,387,000 |
| Hispanic | 6 | $519,000 | $86,000 | $198,000 | $91,000 | $163,000 |
| American Indian or Alaskan Native | 3 | $452,000 | $150,000 | $194,000 | $0 | $0 |
| Black or African American | 2 | $190,000 | $95,000 | $140,000 | $345,000 | $660,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $2,000 | $2,000 | $2,000 | $17,000 | $17,000 |
| 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) | 1,133 | $83,098,000 | $73,000 | $1,203,000 | $58,000 | $1,387,000 |
| FHA-insured (Federal Housing Administration) | 129 | $15,146,000 | $117,000 | $241,000 | $51,000 | $159,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,979,000 | $98,000 | $148,000 | $26,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 4 | $660,000 | $165,000 | $194,000 | $31,000 | $78,000 |
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 | 520 | $40,278,000 | $77,000 | $1,203,000 | $61,000 | $1,387,000 |
| Application Denied By Financial Institution | 482 | $34,537,000 | $71,000 | $385,000 | $50,000 | $386,000 |
| Loan Purchased By The Institution | 82 | $9,075,000 | $110,000 | $367,000 | $61,000 | $1,387,000 |
| Application Withdrawn By Applicant | 80 | $7,530,000 | $94,000 | $255,000 | $65,000 | $660,000 |
| Application Approved But Not Accepted | 79 | $5,799,000 | $73,000 | $417,000 | $53,000 | $159,000 |
| File Closed For Incompleteness | 43 | $3,664,000 | $85,000 | $192,000 | $66,000 | $540,000 |
| 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 | 121 | $6,338,000 | $52,000 | $211,000 | $49,000 | $386,000 |
| Collateral | 73 | $5,753,000 | $78,000 | $241,000 | $61,000 | $181,000 |
| Debt-To-Income Ratio | 52 | $4,173,000 | $80,000 | $385,000 | $37,000 | $159,000 |
| Other | 36 | $1,998,000 | $55,000 | $150,000 | $56,000 | $165,000 |
| Credit Application Incomplete | 9 | $1,324,000 | $147,000 | $305,000 | $56,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $297,000 | $49,000 | $85,000 | $31,000 | $55,000 |
| Unverifiable Information | 5 | $473,000 | $94,000 | $138,000 | $37,000 | $49,000 |
| Employment History | 2 | $121,000 | $60,000 | $71,000 | $173,000 | $288,000 |
| 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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