Fulton County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 75 mortgage applications in Fulton County, KY totaling $4.5 million, down 12% from 2010. The average application was for $60,000, and applicants reported an average income of $44,000. 33% of applications resulted in an originated loan and 40% were denied. The most active lender was Embrace Home Loans, Inc., with 16 applications, followed by Heritage Bank and First State Bank.
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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 | 75 |
| Total Mortgage Loan Application Amount | $4,542,000 |
| Average Mortgage Loan Application Amount | $60,000 |
| Highest Mortgage Loan Application Amount | $257,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $250,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,232,000 |
| Heritage Bank 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 1,060,659,000 | 12 | $ 469,000 |
| First State Bank 221 HARRISON ST UNION CITY, TN 38261 |
* | $ 1,476,966,000 | 6 | $ 141,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 6 | $ 450,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 5 | $ 439,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 172,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 264,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 974,038,000 | 2 | $ 73,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 166,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 2 | $ 192,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 2 | $ 95,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 2 | $ 57,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 49,000 |
| Commercial Bank & Trust Company P.O. BOX 1000 PARIS, TN 38242 |
* | $ 630,017,000 | 1 | $ 25,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,068,872,000 | 1 | $ 47,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 122,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 1 | $ 42,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 79,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 91,413,704,000 | 1 | $ 28,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 1 | $ 10,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 60,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 60,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 158,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 1 | $ 87,000 |
The tables below break down 2011 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 2011
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 | 35 | $2,621,000 | $74,000 | $257,000 | $47,000 | $250,000 |
| Home Purchase | 33 | $1,793,000 | $54,000 | $153,000 | $46,000 | $151,000 |
| Home Improvement | 7 | $128,000 | $18,000 | $42,000 | $17,000 | $45,000 |
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 | 63 | $3,832,000 | $60,000 | $257,000 | $45,000 | $250,000 |
| Black or African American | 6 | $284,000 | $47,000 | $84,000 | $27,000 | $49,000 |
| Not Provided | 5 | $416,000 | $83,000 | $152,000 | $48,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $45,000 | $45,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 41 | $1,889,000 | $46,000 | $152,000 | $46,000 | $250,000 |
| FHA-insured (Federal Housing Administration) | 23 | $1,884,000 | $81,000 | $257,000 | $47,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 6 | $445,000 | $74,000 | $108,000 | $23,000 | $31,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $324,000 | $64,000 | $122,000 | $44,000 | $62,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 30 | $1,735,000 | $57,000 | $257,000 | $31,000 | $127,000 |
| Loan Originated | 25 | $1,322,000 | $52,000 | $153,000 | $58,000 | $250,000 |
| Application Withdrawn By Applicant | 9 | $731,000 | $81,000 | $158,000 | $41,000 | $95,000 |
| Application Approved But Not Accepted | 5 | $214,000 | $42,000 | $89,000 | $43,000 | $64,000 |
| Loan Purchased By The Institution | 5 | $432,000 | $86,000 | $153,000 | $58,000 | $151,000 |
| File Closed For Incompleteness | 1 | $108,000 | $108,000 | $108,000 | $31,000 | $31,000 |
| 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 | 4 | $57,000 | $14,000 | $20,000 | $27,000 | $45,000 |
| Debt-To-Income Ratio | 3 | $156,000 | $52,000 | $76,000 | $26,000 | $32,000 |
| Collateral | 2 | $115,000 | $57,000 | $80,000 | $19,000 | $27,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $23,000 | $23,000 |
| Other | 1 | $25,000 | $25,000 | $25,000 | $63,000 | $63,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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