Gallatin County, KY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 540 mortgage applications in Gallatin County, KY totaling $50.8 million, down 23% from 2007. The average application was for $94,000, and applicants reported an average income of $55,000. 35% of applications resulted in an originated loan and 37% were denied. The most active lender was Integra Bank, with 58 applications, followed by Beneficial Company LLC and First Farmers Bank & Trust Co..
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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 | 540 |
| Total Mortgage Loan Application Amount | $50,781,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $410,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $543,000 |
* 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 |
|---|---|---|---|---|
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,341,313,000 | 58 | $ 3,025,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 57 | $ 7,099,000 |
| First Farmers Bank & Trust Co. 127 NORTH THOMAS ST./PO BOX 188 OWENTON, KY 40359 |
* | $ 81,251,000 | 42 | $ 3,134,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 38 | $ 1,196,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 24 | $ 3,005,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 19 | $ 3,058,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 54,098,791,000 | 19 | $ 1,583,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 18 | $ 2,062,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 17 | $ 2,044,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 15 | $ 1,215,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 15 | $ 1,424,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 15 | $ 1,593,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 14 | $ 1,413,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,187,631,000,000 | 13 | $ 906,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 10 | $ 999,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 9 | $ 783,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 18,878,056,000 | 9 | $ 1,301,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 598,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,230,807,000 | 7 | $ 1,085,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 324,237,000 | 6 | $ 463,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 6 | $ 495,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 6 | $ 457,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 6 | $ 724,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 6 | $ 639,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 5 | $ 70,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 4 | $ 353,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 4 | $ 299,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 544,827,000 | 3 | $ 246,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 433,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 444,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,700,637,000 | 3 | $ 368,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 3 | $ 411,000 |
| Farmers National Bank 13447 DIXIE HWY P O BOX 128 WALTON, KY 41094 |
* | $ 62,899,000 | 3 | $ 299,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 3 | $ 448,000 |
| First Security Trust Bank 7135 HOUSTON ROAD FLORENCE, KY 41042 |
* | $ 103,485,000 | 3 | $ 232,000 |
| Grant County Deposit Bank 106 NORTH MAIN P.O. BOX 399 WILLIAMSTOWN, KY 41097 |
* | $ 96,233,000 | 3 | $ 146,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 3 | $ 326,000 |
| Nationwide Mortgage Concepts, 40380 DESERT CREEK LANE RANCHO MIRAGE, CA 92270 |
* | $ 10,000,000 | 3 | $ 248,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 249,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 135,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 196,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 433,000 |
| M&T Bank 1 M&T PLAZA -15TH FLOOR BUFFALO, NY 14203 |
* | $ 64,072,546,000 | 2 | $ 243,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 56,294,475,000 | 2 | $ 387,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,970,989,000 | 2 | $ 159,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 15,898,003,000 | 2 | $ 85,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 33,000 | 2 | $ 393,000 |
| Farmers Bank of Milton 41 FERRY ST. MILTON, KY 40045 |
* | $ 127,346,000 | 2 | $ 135,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 2 | $ 36,000 |
| Lender Ltd. 7789 EAST MI STATE ROAD 36 WHITMORE LAKE, MI 48189 |
* | $ 10,000,000 | 2 | $ 137,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 70,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 185,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ 10,000,000 | 1 | $ 56,000 |
| Sibcy Cline Mortgage Services, Inc. 8044 MONTGOMERY RD. SUITE 301 CINCINNATI, OH 45236 |
* | $ 10,000,000 | 1 | $ 124,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 67,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 175,000 |
| First Rate Mortgage 10400 LINN STATION RD LOUISVILLE, KY 40223 |
* | $ 102,272,000 | 1 | $ 200,000 |
| United Midwest Savings Bank 101 S MAIN ST DEGRAFF, OH 43318 |
* | $ 260,888,000 | 1 | $ 72,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 646,856,000 | 1 | $ 79,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,402,062,000 | 1 | $ 56,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 126,992,000 | 1 | $ 64,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 77,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 10,442,308,000 | 1 | $ 180,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 1 | $ 232,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 79,977,597,000 | 1 | $ 165,000 |
| Victory Community Bank 2500 CHAMBER CENTER DRIVE FORT MITCHELL, KY 41017 |
* | $ 128,957,000 | 1 | $ 184,000 |
| Gb Mortgage, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 29,183,000 | 1 | $ 267,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 1 | $ 3,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 1 | $ 104,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 34,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 33,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 1 | $ 18,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 130,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 25,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 1 | $ 109,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 596,931,000 | 1 | $ 130,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,139,120,000 | 1 | $ 132,000 |
| First Dupage Bank 520 N. CASS AVENUE WESTMONT, IL 60559 |
* | $ 312,483,000 | 1 | $ 19,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Security Atlantic Wholesale 499 THORNALL ST, SUITE 220 EDISON, NJ 08837 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Allied Mortgage Group, Inc 225 E. CITY AVENUE, SUITE 102 BALA CYNWYD, PA 19004 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 169,000 |
The tables below break down 2008 mortgage applications in Gallatin 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 Gallatin 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 | 305 | $35,282,000 | $115,000 | $410,000 | $62,000 | $543,000 |
| Home Purchase | 176 | $13,572,000 | $77,000 | $340,000 | $43,000 | $350,000 |
| Home Improvement | 59 | $1,927,000 | $32,000 | $155,000 | $51,000 | $120,000 |
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 | 472 | $43,967,000 | $93,000 | $410,000 | $58,000 | $543,000 |
| Not Provided | 29 | $2,825,000 | $97,000 | $240,000 | $52,000 | $140,000 |
| Not applicable | 26 | $2,594,000 | $99,000 | $265,000 | $2,000 | $35,000 |
| Hispanic | 7 | $679,000 | $97,000 | $167,000 | $58,000 | $82,000 |
| Black or African American | 5 | $561,000 | $112,000 | $167,000 | $42,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 397 | $35,464,000 | $89,000 | $410,000 | $59,000 | $543,000 |
| FHA-insured (Federal Housing Administration) | 131 | $14,111,000 | $107,000 | $264,000 | $43,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 9 | $918,000 | $102,000 | $169,000 | $39,000 | $69,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $288,000 | $96,000 | $127,000 | $51,000 | $52,000 |
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 | 198 | $17,787,000 | $89,000 | $410,000 | $59,000 | $543,000 |
| Loan Originated | 188 | $16,856,000 | $89,000 | $340,000 | $58,000 | $350,000 |
| Loan Purchased By The Institution | 52 | $5,729,000 | $110,000 | $265,000 | $28,000 | $188,000 |
| Application Approved But Not Accepted | 48 | $3,860,000 | $80,000 | $303,000 | $46,000 | $105,000 |
| Application Withdrawn By Applicant | 46 | $5,747,000 | $124,000 | $295,000 | $59,000 | $137,000 |
| File Closed For Incompleteness | 8 | $802,000 | $100,000 | $193,000 | $67,000 | $120,000 |
| 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 | 47 | $2,762,000 | $58,000 | $269,000 | $49,000 | $159,000 |
| Collateral | 26 | $2,777,000 | $106,000 | $267,000 | $79,000 | $461,000 |
| Debt-To-Income Ratio | 25 | $1,713,000 | $68,000 | $267,000 | $39,000 | $86,000 |
| Other | 5 | $319,000 | $63,000 | $82,000 | $36,000 | $40,000 |
| Unverifiable Information | 4 | $618,000 | $154,000 | $300,000 | $225,000 | $543,000 |
| Credit Application Incomplete | 3 | $418,000 | $139,000 | $162,000 | $47,000 | $66,000 |
| Employment History | 1 | $30,000 | $30,000 | $30,000 | $96,000 | $96,000 |
| 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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