Floyd County, KY Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 897 mortgage applications in Floyd County, KY totaling $88.0 million, up 3% from 2018. The average application was for $98,000, and applicants reported an average income of $67,000. 40% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 152 applications, followed by Community Trust Bank, Inc. and US Bank, N.A..

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 897
Total Mortgage Loan Application Amount $88,035,000
Average Mortgage Loan Application Amount $98,000
Highest Mortgage Loan Application Amount $665,000
Average Applicant Income $67,000
Highest Applicant Income $559,000

Mortgage Company List for Lending in Floyd County, KY for 2019

* 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
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 152 $ 9,950,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,179,535,000 147 $ 15,565,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 73 $ 7,405,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 3,986,345,000 52 $ 4,610,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 49 $ 3,665,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 42 $ 4,800,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 32 $ 2,570,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 589,527,000 26 $ 1,980,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,060,792,000 17 $ 1,295,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 17 $ 2,065,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 14 $ 1,390,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 12 $ 1,810,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 11 $ 1,685,000
The First Commonwealth Bank of Prestonsburg, Inc.
601 S MAYO TRAIL
MARIETTA, OH 45750
* $ 307,880,000 11 $ 375,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 10 $ 1,390,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 4,835,856,000 9 $ 1,165,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,266,772,000 8 $ 410,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 5,133,339,000 8 $ 680,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 8 $ 340,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 7 $ 475,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ -1,000 6 $ 550,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 6 $ 900,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 610,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 5 $ 945,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 625,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 565,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 5 $ 555,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 585,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 5 $ 925,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 465,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 1,175,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 680,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 540,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,782,639,000,000 4 $ 450,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 295,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 3 $ 275,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 265,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 405,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 666,879,000 3 $ 185,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 996,244,000 2 $ 80,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 864,619,000 2 $ 90,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,185,032,000 2 $ 350,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 2 $ 270,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 2 $ 130,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,071,570,000 2 $ 770,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 2 $ 360,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 2 $ 310,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 260,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 480,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 2 $ 230,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 2 $ 130,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 250,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 290,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 85,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 1 $ 135,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,514,584,000 1 $ 25,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 45,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 65,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 125,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 135,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 1 $ 95,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 95,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,205,430,000 1 $ 35,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 1 $ 145,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 45,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 1 $ 25,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 1 $ 5,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 907,640,000 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 215,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 24,484,751,000 1 $ 35,000
Citibank, NA

NEW YORK, NY 10012
* $ 826,876,000,000 1 $ 25,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 1,811,622,000 1 $ 135,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 205,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 1 $ 55,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 95,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 268,405,000 1 $ 215,000
Victory Community Bank
2500 CHAMBER CENTER DRIVE
FORT MITCHELL, KY 41017
* $ 180,152,000 1 $ 135,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 55,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 1 $ 395,000
Axos Bank
4350 LA JOLLA VILLAGE DR SUITE 140
SAN DIEGO, CA 92122
* $ 9,796,674,000 1 $ 85,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 215,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 36,899,806,000 1 $ 125,000
Commercial Bank of Grayson
208 E MAIN ST
GRAYSON, KY 41143
* $ 176,009,000 1 $ 75,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ -1,000 1 $ 165,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 55,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 1 $ 65,000
First Choice Loan Services Inc.
ONE TOWER CENTER, FLOOR #18
EAST BRUNSWICK, NJ 08816
* $ -1,000 1 $ 55,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 1 $ 385,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 165,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 215,000
Winfirst Bank
57 SOUTH MAIN STREET
WINCHESTER, KY 40391
* $ 145,137,000 1 $ 225,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 195,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 65,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 95,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 1 $ 525,000
Peoples Mortgage Company
2055 E CENTENNIAL CIRCLE
TEMPE, AZ 85284
* $ -1,000 1 $ 55,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 65,000
Arvest Bank

TULSA, OK 74103
* $ 18,449,940,000 1 $ 165,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,216,056,000 1 $ 15,000

The tables below break down 2019 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 2019

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 471 $44,195,000 $93,000 $665,000 $56,000 $559,000
Refinancing 182 $22,050,000 $121,000 $555,000 $88,000 $557,000
Cash-out Refinancing 105 $14,145,000 $134,000 $395,000 $79,000 $460,000
Other Purpose 77 $4,425,000 $57,000 $365,000 $70,000 $337,000
Home Improvement 57 $2,695,000 $47,000 $225,000 $77,000 $291,000
Not Applicable 5 $525,000 $105,000 $185,000 $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 775 $74,385,000 $95,000 $555,000 $68,000 $559,000
Not applicable 57 $7,075,000 $124,000 $665,000 $67,000 $114,000
Not Provided 41 $4,425,000 $107,000 $385,000 $57,000 $269,000
American Indian or Alaskan Native 10 $540,000 $54,000 $85,000 $44,000 $72,000
Hispanic 10 $1,180,000 $118,000 $235,000 $114,000 $460,000
Asian 2 $140,000 $70,000 $75,000 $74,000 $74,000
Black or African American 2 $290,000 $145,000 $205,000 $0 $0
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) 675 $59,705,000 $88,000 $665,000 $69,000 $559,000
FHA-insured (Federal Housing Administration) 135 $16,065,000 $119,000 $315,000 $56,000 $165,000
VA-guaranteed (Veterans Administration) 48 $8,790,000 $183,000 $395,000 $91,000 $269,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $3,475,000 $89,000 $215,000 $47,000 $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 361 $39,125,000 $108,000 $665,000 $80,000 $559,000
Application Denied By Financial Institution 269 $20,705,000 $76,000 $325,000 $49,000 $170,000
File Closed For Incompleteness 90 $7,670,000 $85,000 $275,000 $60,000 $250,000
Application Withdrawn By Applicant 77 $9,865,000 $128,000 $555,000 $88,000 $557,000
Loan Purchased By The Institution 61 $6,925,000 $113,000 $395,000 $67,000 $114,000
Application Approved But Not Accepted 39 $3,745,000 $96,000 $395,000 $65,000 $215,000
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 587 $64,705,000 $110,000 $665,000 $77,000 $559,000
Credit History 146 $10,210,000 $69,000 $325,000 $54,000 $170,000
Debt-To-Income Ratio 97 $7,545,000 $77,000 $305,000 $49,000 $315,000
Collateral 18 $1,160,000 $64,000 $165,000 $48,000 $155,000
Unverifiable Information 13 $1,115,000 $85,000 $255,000 $55,000 $94,000
Credit Application Incomplete 12 $1,580,000 $131,000 $315,000 $68,000 $156,000
Other 11 $795,000 $72,000 $135,000 $38,000 $80,000
Insufficient Cash (Downpayment, Closing Cost) 7 $525,000 $75,000 $115,000 $57,000 $112,000
Employment History 6 $400,000 $66,000 $75,000 $29,000 $52,000
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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