Gallatin County, KY Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 349 mortgage applications in Gallatin County, KY totaling $36.5 million, down 1% from 2016. The average application was for $104,000, and applicants reported an average income of $55,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was Truist Bank, with 32 applications, followed by Citizens Union Bank of Shelbyville and Vanderbilt Mortgage and Finance, Inc.
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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 | 349 |
| Total Mortgage Loan Application Amount | $36,460,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $678,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $415,000 |
* 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 |
|---|---|---|---|---|
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 32 | $ 2,458,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 573,601,000 | 28 | $ 1,739,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 26 | $ 2,170,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 23 | $ 2,674,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 23 | $ 1,491,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 12 | $ 1,554,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 11 | $ 708,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 1,164,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 9 | $ 1,203,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 933,712,000 | 8 | $ 1,149,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 1,092,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ -1,000 | 6 | $ 520,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 528,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 6 | $ 839,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 664,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 6 | $ 607,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 6 | $ 619,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 6 | $ 885,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 5 | $ 429,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 968,843,000 | 4 | $ 427,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 4 | $ 291,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 335,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 484,000 |
| Western Ohio Mortgage Corporation 733 FAIR RD SIDNEY, OH 45365 |
* | $ -1,000 | 3 | $ 851,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 3 | $ 504,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 423,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 3 | $ 410,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 128,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 3 | $ 311,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 983,700,000 | 3 | $ 200,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 778,522,000 | 2 | $ 7,000 |
| The Friendship State Bank PO BOX 357 FRIENDSHIP, IN 47021 |
* | $ 349,453,000 | 2 | $ 65,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 2 | $ 205,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 542,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 702,041,000 | 2 | $ 139,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 2 | $ 139,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 241,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 3,459,301,000 | 2 | $ 203,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 502,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,925,022,000 | 2 | $ 778,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 210,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 2 | $ 122,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 339,000 |
| Farmers Bank of Milton 41 FERRY ST. MILTON, KY 40045 |
* | $ 229,984,000 | 2 | $ 70,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 187,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 2 | $ 120,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 2 | $ 206,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 1 | $ 85,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 2,953,338,000 | 1 | $ 150,000 |
| 1st Financial, Inc. 1111 BENFIELD BLVD #106 MILLERSVILLE, MD 21108 |
* | $ -1,000 | 1 | $ 115,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 1 | $ 165,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 168,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 286,080,320,000 | 1 | $ 180,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 71,000 |
| Gateway Mortgage Group, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 125,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 97,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 158,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 20,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 147,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 629,495,000 | 1 | $ 204,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 172,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 135,000 |
| Park Lane Finance Solutionsllc 1228 CEDARS CT STE 201 CHARLOTTESVILLE, VA 22903 |
* | $ 0 | 1 | $ 30,000 |
| Cove Federal Credit Union 577 DUDLEY ROAD EDGEWOOD, KY 41017 |
* | $ 58,698,000 | 1 | $ 65,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 105,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 114,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 1 | $ 138,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 140,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 139,776,168,000 | 1 | $ 35,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 78,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 199,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 1 | $ 199,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 1 | $ 110,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 232,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 72,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 60,000 |
| R M K Financial Corp. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ -1,000 | 1 | $ 60,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ 0 | 1 | $ 84,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 75,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,072,392,000 | 1 | $ 194,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 75,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 142,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 181,000 |
The tables below break down 2017 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 2017
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 | 183 | $20,819,000 | $113,000 | $678,000 | $53,000 | $361,000 |
| Refinancing | 118 | $13,869,000 | $117,000 | $363,000 | $56,000 | $415,000 |
| Home Improvement | 48 | $1,772,000 | $36,000 | $158,000 | $62,000 | $153,000 |
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 | 285 | $29,492,000 | $103,000 | $678,000 | $60,000 | $415,000 |
| Not Provided | 31 | $2,859,000 | $92,000 | $243,000 | $55,000 | $184,000 |
| Not applicable | 25 | $3,499,000 | $139,000 | $406,000 | $5,000 | $129,000 |
| American Indian or Alaskan Native | 4 | $262,000 | $65,000 | $92,000 | $9,000 | $37,000 |
| Black or African American | 3 | $249,000 | $83,000 | $165,000 | $37,000 | $48,000 |
| Hispanic | 1 | $99,000 | $99,000 | $99,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 207 | $18,356,000 | $88,000 | $678,000 | $63,000 | $415,000 |
| FHA-insured (Federal Housing Administration) | 92 | $10,979,000 | $119,000 | $280,000 | $43,000 | $227,000 |
| VA-guaranteed (Veterans Administration) | 26 | $4,467,000 | $171,000 | $313,000 | $57,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,658,000 | $110,000 | $181,000 | $32,000 | $68,000 |
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 | 158 | $18,138,000 | $114,000 | $678,000 | $62,000 | $415,000 |
| Application Denied By Financial Institution | 83 | $6,524,000 | $78,000 | $269,000 | $57,000 | $361,000 |
| Application Withdrawn By Applicant | 38 | $3,823,000 | $100,000 | $292,000 | $45,000 | $124,000 |
| Loan Purchased By The Institution | 29 | $3,941,000 | $135,000 | $406,000 | $20,000 | $160,000 |
| File Closed For Incompleteness | 27 | $2,396,000 | $88,000 | $255,000 | $57,000 | $227,000 |
| Application Approved But Not Accepted | 14 | $1,638,000 | $117,000 | $227,000 | $56,000 | $110,000 |
| 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 | 20 | $909,000 | $45,000 | $107,000 | $59,000 | $180,000 |
| Collateral | 8 | $654,000 | $81,000 | $236,000 | $77,000 | $128,000 |
| Credit Application Incomplete | 5 | $696,000 | $139,000 | $258,000 | $83,000 | $151,000 |
| Other | 3 | $303,000 | $101,000 | $123,000 | $145,000 | $361,000 |
| Debt-To-Income Ratio | 2 | $251,000 | $125,000 | $161,000 | $44,000 | $46,000 |
| Employment History | 2 | $129,000 | $64,000 | $94,000 | $55,000 | $90,000 |
| Unverifiable Information | 1 | $61,000 | $61,000 | $61,000 | $42,000 | $42,000 |
| 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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