Gallatin County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 413 mortgage applications in Gallatin County, KY totaling $41.9 million, down 5% from 2010. The average application was for $101,000, and applicants reported an average income of $61,000. 39% of applications resulted in an originated loan and 30% were denied. The most active lender was The Bank of Kentucky, with 39 applications, followed by 21st Mortgage 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 | 413 |
| Total Mortgage Loan Application Amount | $41,924,000 |
| Average Mortgage Loan Application Amount | $101,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $4,244,000 |
* 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 |
|---|---|---|---|---|
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,663,790,000 | 39 | $ 4,082,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 38 | $ 948,000 |
| First Farmers Bank & Trust Co. 127 NORTH THOMAS ST./PO BOX 188 OWENTON, KY 40359 |
* | $ 116,579,000 | 36 | $ 2,924,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 27 | $ 2,816,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 25 | $ 2,864,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 18 | $ 1,716,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 17 | $ 1,205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 17 | $ 2,135,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 13 | $ 1,727,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 11 | $ 931,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 11 | $ 1,402,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 10 | $ 1,307,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 874,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 990,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 735,798,000 | 9 | $ 1,441,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 9 | $ 1,038,000 |
| Grant County Deposit Bank 106 NORTH MAIN P.O. BOX 399 WILLIAMSTOWN, KY 41097 |
* | $ 90,881,000 | 8 | $ 271,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 1,294,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 7 | $ 990,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 6 | $ 506,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 6 | $ 572,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 661,119,000 | 5 | $ 468,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 4 | $ 805,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 4 | $ 184,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 3 | $ 159,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 469,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 568,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 3 | $ 281,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 222,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 235,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 137,130,000 | 2 | $ 432,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 2 | $ 160,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,753,046,000 | 2 | $ 289,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 130,979,000 | 2 | $ 117,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 392,675,000 | 2 | $ 42,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 118,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,237,352,000 | 2 | $ 215,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 231,000 |
| Mortgage Metwork Inc. 10529 A TIMBERWOOD CIRCLE LOUISVILLE, KY 40223 |
* | $ 100,000,000 | 1 | $ 110,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 60,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 240,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 212,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 1 | $ 39,000 |
| The American Eagle Mortgage Co 6145 PARK SQUARE DRIVE SUITE 3 LORAIN, OH 44053 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 57,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 101,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 112,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 83,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 145,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,416,159,000 | 1 | $ 224,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Citizens Bank of Northern Ky 103 CHURCHILL DRIVE NEWPORT, KY 41071 |
* | $ 249,920,000 | 1 | $ 80,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 134,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 1 | $ 290,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,124,635,000 | 1 | $ 166,000 |
| Cinfed Federal Credit Union 4801 KENNEDY AVE CINCINNATI, OH 45209 |
* | $ 301,642,000 | 1 | $ 349,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 379,380,000 | 1 | $ 15,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 1,193,270,000 | 1 | $ 100,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 1 | $ 129,000 |
| Victory Community Bank 2500 CHAMBER CENTER DRIVE FORT MITCHELL, KY 41017 |
* | $ 142,997,000 | 1 | $ 138,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 1,374,407,000 | 1 | $ 66,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 341,542,000 | 1 | $ 22,000 |
| River Valley Financial Bank 430 CLIFTY DR MADISON, IN 47250 |
* | $ 386,385,000 | 1 | $ 320,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 66,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 220,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 81,000 |
The tables below break down 2011 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 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 | 249 | $31,404,000 | $126,000 | $500,000 | $75,000 | $4,244,000 |
| Home Purchase | 134 | $10,071,000 | $75,000 | $307,000 | $40,000 | $226,000 |
| Home Improvement | 30 | $449,000 | $14,000 | $69,000 | $40,000 | $105,000 |
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 | 326 | $31,816,000 | $97,000 | $400,000 | $57,000 | $1,229,000 |
| Not applicable | 49 | $5,249,000 | $107,000 | $300,000 | $0 | $0 |
| Not Provided | 32 | $3,811,000 | $119,000 | $285,000 | $57,000 | $488,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $821,000 | $273,000 | $500,000 | $1,525,000 | $4,244,000 |
| Hispanic | 2 | $82,000 | $41,000 | $41,000 | $30,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $62,000 | $62,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 304 | $29,150,000 | $95,000 | $500,000 | $70,000 | $4,244,000 |
| FHA-insured (Federal Housing Administration) | 79 | $9,186,000 | $116,000 | $290,000 | $39,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,102,000 | $105,000 | $246,000 | $32,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,486,000 | $148,000 | $285,000 | $23,000 | $69,000 |
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 | 162 | $16,627,000 | $102,000 | $500,000 | $65,000 | $1,229,000 |
| Application Denied By Financial Institution | 124 | $10,358,000 | $83,000 | $400,000 | $81,000 | $4,244,000 |
| Loan Purchased By The Institution | 65 | $7,629,000 | $117,000 | $300,000 | $14,000 | $107,000 |
| Application Withdrawn By Applicant | 28 | $4,184,000 | $149,000 | $349,000 | $57,000 | $107,000 |
| Application Approved But Not Accepted | 25 | $1,794,000 | $71,000 | $225,000 | $55,000 | $226,000 |
| File Closed For Incompleteness | 9 | $1,332,000 | $148,000 | $246,000 | $79,000 | $155,000 |
| 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 | 37 | $1,824,000 | $49,000 | $160,000 | $48,000 | $154,000 |
| Debt-To-Income Ratio | 21 | $1,516,000 | $72,000 | $203,000 | $44,000 | $91,000 |
| Collateral | 19 | $2,218,000 | $116,000 | $299,000 | $268,000 | $4,244,000 |
| Other | 7 | $664,000 | $94,000 | $145,000 | $72,000 | $107,000 |
| Credit Application Incomplete | 6 | $668,000 | $111,000 | $224,000 | $52,000 | $124,000 |
| Employment History | 2 | $361,000 | $180,000 | $320,000 | $80,000 | $131,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $144,000 | $144,000 | $144,000 | $44,000 | $44,000 |
| Unverifiable Information | 1 | $176,000 | $176,000 | $176,000 | $120,000 | $120,000 |
| 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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