Fulton County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 85 mortgage applications in Fulton County, KY totaling $5.6 million, down 23% from 2009. The average application was for $66,000, and applicants reported an average income of $54,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was Heritage Bank, with 16 applications, followed by Embrace Home Loans, Inc. and Bank of America, 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 | 85 |
| Total Mortgage Loan Application Amount | $5,612,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $270,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $470,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Heritage Bank 4155 LAFAYETTE RD HOPKINSVILLE, KY 42240 |
* | $ 1,024,599,000 | 16 | $ 544,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 9 | $ 559,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 8 | $ 587,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 547,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 5 | $ 425,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 350,000 |
| First State Finance 2705 OLD FORT PARKWAY SUITE P MURFREESBORO, TN 37128 |
* | $ 103,640,000 | 3 | $ 53,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 3 | $ 115,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 228,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 2 | $ 135,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 609,493,000 | 2 | $ 148,000 |
| Ut Federal Credit Union 2100 WHITE AVENUE KNOXVILLE, TN 37919 |
* | $ 169,739,000 | 2 | $ 35,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 2 | $ 152,000 |
| First State Bank 221 HARRISON ST UNION CITY, TN 38261 |
* | $ 1,402,122,000 | 2 | $ 96,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 125,649,000 | 2 | $ 198,000 |
| Kirkston Mortgage Lending 501 CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ 10,000,000 | 2 | $ 142,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 171,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 117,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 152,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 270,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 203,624,000 | 1 | $ 16,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 202,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 38,000 |
| Star One Credit Union PO BOX 3643 SUNNYVALE, CA 94088 |
* | $ 5,111,238,000 | 1 | $ 137,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 105,000 |
The tables below break down 2010 mortgage applications in Fulton 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 Fulton County, KY in 2010
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 | 43 | $3,362,000 | $78,000 | $270,000 | $46,000 | $187,000 |
| Home Purchase | 33 | $2,066,000 | $62,000 | $134,000 | $65,000 | $470,000 |
| Home Improvement | 9 | $184,000 | $20,000 | $57,000 | $49,000 | $116,000 |
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 | 67 | $4,447,000 | $66,000 | $270,000 | $59,000 | $470,000 |
| Black or African American | 9 | $531,000 | $59,000 | $71,000 | $36,000 | $55,000 |
| Not applicable | 3 | $271,000 | $90,000 | $100,000 | $0 | $0 |
| Not Provided | 3 | $175,000 | $58,000 | $85,000 | $49,000 | $73,000 |
| Asian | 2 | $93,000 | $46,000 | $49,000 | $76,000 | $104,000 |
| Hispanic | 1 | $95,000 | $95,000 | $95,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 51 | $2,822,000 | $55,000 | $202,000 | $54,000 | $470,000 |
| FHA-insured (Federal Housing Administration) | 27 | $2,170,000 | $80,000 | $270,000 | $58,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $620,000 | $88,000 | $134,000 | $37,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 38 | $2,335,000 | $61,000 | $202,000 | $70,000 | $470,000 |
| Application Denied By Financial Institution | 19 | $1,101,000 | $57,000 | $144,000 | $40,000 | $73,000 |
| Loan Purchased By The Institution | 14 | $1,101,000 | $78,000 | $118,000 | $38,000 | $100,000 |
| Application Withdrawn By Applicant | 12 | $958,000 | $79,000 | $270,000 | $49,000 | $150,000 |
| Application Approved But Not Accepted | 2 | $117,000 | $58,000 | $64,000 | $30,000 | $34,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 3 | $262,000 | $87,000 | $144,000 | $39,000 | $69,000 |
| Other | 3 | $226,000 | $75,000 | $131,000 | $39,000 | $54,000 |
| Credit History | 2 | $49,000 | $24,000 | $38,000 | $32,000 | $40,000 |
| Debt-To-Income Ratio | 1 | $117,000 | $117,000 | $117,000 | $53,000 | $53,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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