Gallatin County, KY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 366 mortgage applications in Gallatin County, KY totaling $39.6 million, up 5% from 2017. The average application was for $108,000, and applicants reported an average income of $65,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Truist Bank, with 28 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 366
Total Mortgage Loan Application Amount $39,610,000
Average Mortgage Loan Application Amount $108,000
Highest Mortgage Loan Application Amount $455,000
Average Applicant Income $65,000
Highest Applicant Income $633,000

Mortgage Company List for Lending in Gallatin County, KY for 2018

* 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
* $ 216,077,000,000 28 $ 2,580,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 23 $ 1,775,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 19 $ 525,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 747,360,000 17 $ 1,555,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 17 $ 1,525,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 12 $ 1,320,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 9 $ 1,025,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 1,315,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 9 $ 1,015,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 9 $ 945,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 9 $ 1,335,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 7 $ 475,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 7 $ 1,105,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 6 $ 690,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 6 $ 120,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 6 $ 640,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ 762,809,000 5 $ 445,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 423,294,000 5 $ 345,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 5 $ 555,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 5 $ 555,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,151,298,000 4 $ 250,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 470,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 640,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 4 $ 820,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 3 $ 245,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 3 $ 535,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 295,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 3 $ 435,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 3 $ 355,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 3 $ 265,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 325,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 295,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 255,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 3 $ 425,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 3 $ 365,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,056,164,000 3 $ 165,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 3 $ 355,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 2 $ 90,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,167,122,000 2 $ 420,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 2 $ 150,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 270,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 120,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 2 $ 290,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 350,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 2 $ 90,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 230,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 120,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 2 $ 280,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 2 $ 150,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 2 $ 610,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 240,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 637,492,000 2 $ 320,000
Secured Investment Corp
701 E FRONT AVE
COEUR D'ALENE, ID 83814
* $ -1,000 1 $ 75,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 75,000
First National Bank
302 S MAIN ST
CLOVERDALE, IN 46120
* $ 309,287,000 1 $ 315,000
Victory Community Bank
2500 CHAMBER CENTER DRIVE
FORT MITCHELL, KY 41017
* $ 176,383,000 1 $ 185,000
Homeservices Lending LLC
2900 100TH STREET SUITE 109
URBANDALE, IA 50322
* $ -1,000 1 $ 95,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 1 $ 275,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 115,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,149,750,000 1 $ 55,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 1 $ 45,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,471,410,000 1 $ 405,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 65,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 760,511,000 1 $ 35,000
Farmers Bank of Milton
41 FERRY ST.
MILTON, KY 40045
* $ 238,191,000 1 $ 105,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 185,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 260,106,000 1 $ 115,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 235,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 1 $ 265,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 1 $ 25,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 55,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 929,549,000 1 $ 95,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 135,000
Centerbank
744 STATE ROUTE 28
MILFORD, OH 45150
* $ 172,190,000 1 $ 345,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 175,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 335,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 155,852,000 1 $ 175,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 1 $ 15,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 55,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 45,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 379,071,000 1 $ 125,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 105,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 1 $ 75,000
BNC National Bank

BISMARCK, ND 58501
* $ 945,013,000 1 $ 265,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 1 $ 55,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 125,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 1 $ 155,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 2,795,857,000 1 $ 135,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 3,234,045,000 1 $ 105,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,995,487,000 1 $ 385,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 95,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 115,000
Town Square Bank
1500 CARTER AVENUE
ASHLAND, KY 41105
* $ 446,770,000 1 $ 115,000
First Equity Mortgage Inc
211 GRANDVIEW DRIVE, SUITE 102
FT MITCHELL, KY 41017
* $ -1,000 1 $ 225,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 34,298,273,000 1 $ 205,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,408,261,000 1 $ 85,000
Dearborn Savings Bank
PO BOX 4161
LAWRENCEBURG, IN 47025
* $ 113,127,000 1 $ 225,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 55,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 195,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 75,000
Option Financial, LLC
6551 HARRISON AVE
CINCINNATI, OH 45247
* $ -1,000 1 $ 125,000
The Friendship State Bank
PO BOX 357
FRIENDSHIP, IN 47021
* $ 363,306,000 1 $ 175,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 95,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 135,000

The tables below break down 2018 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 2018

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 215 $25,485,000 $118,000 $455,000 $63,000 $633,000
Refinancing 70 $7,380,000 $105,000 $405,000 $68,000 $434,000
Cash-out Refinancing 36 $4,260,000 $118,000 $255,000 $59,000 $166,000
Home Improvement 21 $1,175,000 $55,000 $255,000 $79,000 $169,000
Other Purpose 17 $785,000 $46,000 $105,000 $81,000 $276,000
Not Applicable 7 $525,000 $75,000 $205,000 $0 $0

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 293 $31,715,000 $108,000 $455,000 $65,000 $633,000
Not Provided 38 $3,540,000 $93,000 $305,000 $66,000 $276,000
Not applicable 28 $3,620,000 $129,000 $385,000 $169,000 $169,000
Black or African American 3 $305,000 $101,000 $135,000 $55,000 $134,000
Hispanic 3 $195,000 $65,000 $75,000 $49,000 $61,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
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) 228 $21,250,000 $93,000 $455,000 $73,000 $633,000
FHA-insured (Federal Housing Administration) 94 $11,370,000 $120,000 $285,000 $49,000 $139,000
VA-guaranteed (Veterans Administration) 28 $4,630,000 $165,000 $385,000 $63,000 $140,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $2,360,000 $147,000 $285,000 $42,000 $75,000

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 166 $19,370,000 $116,000 $455,000 $74,000 $633,000
Application Denied By Financial Institution 92 $7,700,000 $83,000 $285,000 $53,000 $156,000
Application Withdrawn By Applicant 46 $5,580,000 $121,000 $305,000 $68,000 $305,000
Loan Purchased By The Institution 32 $4,640,000 $145,000 $385,000 $85,000 $169,000
File Closed For Incompleteness 22 $1,730,000 $78,000 $255,000 $43,000 $110,000
Application Approved But Not Accepted 8 $590,000 $73,000 $155,000 $54,000 $117,000
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
Not applicable 266 $30,840,000 $115,000 $455,000 $68,000 $633,000
Credit History 43 $3,195,000 $74,000 $275,000 $56,000 $156,000
Debt-To-Income Ratio 25 $2,475,000 $99,000 $345,000 $64,000 $276,000
Collateral 13 $1,375,000 $105,000 $275,000 $64,000 $120,000
Other 8 $700,000 $87,000 $185,000 $46,000 $59,000
Insufficient Cash (Downpayment, Closing Cost) 4 $350,000 $87,000 $145,000 $40,000 $62,000
Credit Application Incomplete 3 $195,000 $65,000 $155,000 $57,000 $79,000
Employment History 3 $415,000 $138,000 $285,000 $90,000 $95,000
Unverifiable Information 1 $65,000 $65,000 $65,000 $40,000 $40,000
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.

Download the Kentucky Lender List