Gallatin County, KY Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 536 mortgage applications in Gallatin County, KY totaling $72.9 million, up 38% from 2019. The average application was for $135,000, and applicants reported an average income of $74,000. 47% of applications resulted in an originated loan and 17% were denied. The most active lender was Truist Bank, with 44 applications, followed by 21st Mortgage and US Bank, N.A..

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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 536
Total Mortgage Loan Application Amount $72,850,000
Average Mortgage Loan Application Amount $135,000
Highest Mortgage Loan Application Amount $935,000
Average Applicant Income $74,000
Highest Applicant Income $732,000

Mortgage Company List for Lending in Gallatin County, KY for 2020

* 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
* $ 461,256,000,000 44 $ 4,720,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 34 $ 1,610,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 27 $ 3,365,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 25 $ 2,275,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 25 $ 3,135,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 21 $ 3,905,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 15 $ 1,755,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 15 $ 1,905,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 14 $ 2,230,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ -1,000 13 $ 525,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 13 $ 1,745,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,388,018,000 13 $ 1,555,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 855,175,000 12 $ 1,480,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 12 $ 1,470,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 11 $ 1,525,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 11 $ 1,205,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 997,561,000 9 $ 1,475,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 8 $ 1,250,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 8 $ 1,490,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 7 $ 885,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,275,110,000 6 $ 960,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 6 $ 730,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 1,020,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 880,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 6 $ 880,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 5 $ 535,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 1,075,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 885,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 5 $ 545,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 5 $ 1,425,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 4 $ 560,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 4 $ 600,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 490,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 4 $ 360,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 498,507,000 4 $ 630,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 3 $ 455,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 1,029,826,000 3 $ 415,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 715,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,453,998,000,000 3 $ 235,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,365,732,000 3 $ 235,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 3 $ 815,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 3 $ 505,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 3 $ 465,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 2 $ 310,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 2 $ 130,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 220,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 380,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,850,784,000 2 $ 660,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 330,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 2 $ 430,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 2 $ 160,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 380,000
Option Financial, LLC
6551 HARRISON AVE
CINCINNATI, OH 45247
* $ -1,000 2 $ 490,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 180,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 680,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 2 $ 250,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 240,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 978,294,000 2 $ 60,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 2 $ 250,000
Heartland Bank
430 N HAMILTON ROAD
WHITEHALL, OH 43213
* $ 1,112,506,000 2 $ 490,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 2 $ 280,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ 975,651,000 2 $ 1,340,000
Bedford Loan & Deposit Bank
P.O. BOX 276 45 HWY 42 E
BEDFORD, KY 40006
* $ 95,873,000 1 $ 25,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,762,148,000 1 $ 165,000
The Mortgage Warehouse, LLC
13430 PARKER COMMONS BLVD SUITE 103
FORT MYERS, FL 33912
* $ -1,000 1 $ 185,000
Tcf National Bank
2508 LOUISE AVE S (PCC-2E-L)
SIOUX FALLS, SD 57106
* $ 46,627,366,000 1 $ 85,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 115,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 1 $ 85,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 2,177,570,000 1 $ 95,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 165,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 65,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 1 $ 75,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 175,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 3,720,038,000 1 $ 105,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 1 $ 185,000
Strong Home Mortgage, LLC
9408 GRANT AVENUE SUITE 302
MANASSAS, VA 20110
* $ -1,000 1 $ 235,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 700,768,000 1 $ 225,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 95,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 3,361,620,000 1 $ 935,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ 2,304,000,000 1 $ 135,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,079,626,000 1 $ 125,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 155,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 1 $ 155,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 14,789,845,000 1 $ 265,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 145,000
Amcap Mortgage, Ltd.
9999 BELLAIRE BLVD., SUITE 700
AUSTIN, TX 77036
* $ -1,000 1 $ 85,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 135,000
Cove Federal Credit Union
577 DUDLEY ROAD
EDGEWOOD, KY 41017
* $ 61,976,000 1 $ 155,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 155,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 1 $ 125,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 1 $ 135,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 85,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 1 $ 165,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 115,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,208,947,000 1 $ 95,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 41,950,721,000 1 $ 85,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 125,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 115,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 8,528,848,000 1 $ 515,000
Pacific Residential Mortgage, LLC
4949 MEADOWS ROAD SUITE 350
LAKE OSWEGO, OR 97035
* $ -1,000 1 $ 305,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 145,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 1 $ 235,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 125,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 75,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 115,000

The tables below break down 2020 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 2020

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 245 $32,775,000 $133,000 $935,000 $67,000 $732,000
Refinancing 162 $24,400,000 $150,000 $535,000 $84,000 $312,000
Cash-out Refinancing 78 $12,370,000 $158,000 $515,000 $83,000 $462,000
Other Purpose 18 $900,000 $50,000 $125,000 $59,000 $113,000
Home Improvement 17 $825,000 $48,000 $115,000 $63,000 $118,000
Not Applicable 16 $1,580,000 $98,000 $235,000 $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 430 $58,040,000 $134,000 $935,000 $75,000 $732,000
Not applicable 47 $7,035,000 $149,000 $405,000 $74,000 $123,000
Not Provided 40 $6,100,000 $152,000 $535,000 $63,000 $125,000
Hispanic 13 $875,000 $67,000 $345,000 $50,000 $121,000
American Indian or Alaskan Native 3 $435,000 $145,000 $255,000 $88,000 $100,000
Black or African American 3 $365,000 $121,000 $165,000 $40,000 $96,000
Asian 0 $0 $0 $0 $0 $0
Native Hawaiian or Other Pacific Islander 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) 342 $44,000,000 $128,000 $935,000 $80,000 $732,000
FHA-insured (Federal Housing Administration) 118 $15,720,000 $133,000 $315,000 $53,000 $120,000
VA-guaranteed (Veterans Administration) 46 $8,990,000 $195,000 $535,000 $79,000 $136,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $4,140,000 $138,000 $285,000 $55,000 $92,000

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 253 $37,345,000 $147,000 $935,000 $75,000 $326,000
Application Denied By Financial Institution 93 $8,985,000 $96,000 $345,000 $70,000 $732,000
Application Withdrawn By Applicant 79 $12,895,000 $163,000 $935,000 $80,000 $462,000
Loan Purchased By The Institution 51 $7,355,000 $144,000 $315,000 $73,000 $123,000
File Closed For Incompleteness 47 $5,155,000 $109,000 $365,000 $69,000 $186,000
Application Approved But Not Accepted 13 $1,115,000 $85,000 $205,000 $52,000 $75,000
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 426 $60,260,000 $141,000 $935,000 $73,000 $462,000
Debt-To-Income Ratio 35 $5,265,000 $150,000 $935,000 $76,000 $227,000
Credit History 31 $2,205,000 $71,000 $175,000 $75,000 $732,000
Collateral 16 $1,800,000 $112,000 $345,000 $75,000 $138,000
Other 8 $1,030,000 $128,000 $225,000 $90,000 $244,000
Unverifiable Information 8 $950,000 $118,000 $275,000 $57,000 $98,000
Credit Application Incomplete 7 $705,000 $100,000 $175,000 $76,000 $100,000
Employment History 4 $440,000 $110,000 $145,000 $42,000 $47,000
Insufficient Cash (Downpayment, Closing Cost) 1 $195,000 $195,000 $195,000 $104,000 $104,000
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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