Garrard County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 859 mortgage applications in Garrard County, KY totaling $96.6 million, up 11% from 2010. The average application was for $112,000, and applicants reported an average income of $58,000. 47% of applications resulted in an originated loan and 19% were denied. The most active lender was JPMorgan Chase Bank, NA, with 85 applications, followed by Whitaker Bank Inc and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 859
Total Mortgage Loan Application Amount $96,599,000
Average Mortgage Loan Application Amount $112,000
Highest Mortgage Loan Application Amount $479,000
Average Applicant Income $58,000
Highest Applicant Income $1,176,000

Mortgage Company List for Lending in Garrard County, KY for 2011

* 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
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 85 $ 8,941,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,587,678,000 60 $ 3,031,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 53 $ 7,119,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 48 $ 5,264,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 655,223,000 46 $ 3,350,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 32 $ 4,617,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 32 $ 4,319,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 25 $ 1,911,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 23 $ 2,606,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 21 $ 1,559,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 19 $ 2,491,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 18 $ 2,734,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,063,725,000 18 $ 1,380,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 17 $ 1,143,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 17 $ 1,886,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 16 $ 2,225,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 15 $ 2,455,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 14 $ 1,899,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 13 $ 1,404,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 10 $ 1,342,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 10 $ 1,356,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 10 $ 2,087,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 9 $ 843,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,147,152,000 9 $ 1,060,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 9 $ 1,435,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 318,387,000 9 $ 888,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 91,323,000 8 $ 506,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 8 $ 838,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 8 $ 863,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 8 $ 1,254,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 7 $ 999,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 7 $ 1,113,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 7 $ 1,156,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 930,431,000 6 $ 657,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 6 $ 1,249,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 5 $ 517,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 5 $ 794,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 5 $ 191,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 5 $ 739,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 4 $ 407,000
Independence Bank
13100 NORTHWEST FREEWAY SUITE 100
HOUSTON, TX 77040
* $ 167,069,000 4 $ 541,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 4 $ 768,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 4 $ 730,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 464,723,000 4 $ 447,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 379,380,000 4 $ 74,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 4 $ 395,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 658,623,000 4 $ 329,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 4 $ 680,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 3 $ 207,000
Town Square Bank Inc
PO BOX 2289
ASHLAND, KY 41105
* $ 168,808,000 3 $ 116,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 3 $ 366,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 374,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 3 $ 271,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 3 $ 518,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 3 $ 77,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 317,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 2 $ 181,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 2 $ 154,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,051,060,000 2 $ 149,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 197,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 2 $ 366,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 358,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 416,689,000 2 $ 750,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 781,696,000 2 $ 254,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 2 $ 340,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 2 $ 515,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 2 $ 300,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 614,260,000 2 $ 16,000
Town & Country Bank and Trust Co.
PO BOX 305
BARDSTOWN, KY 40004
* $ 432,581,000 1 $ 13,000
Bank of the Bluegrass and Trust Company
101 EAST HIGH STREET
LEXINGTON, KY 40507
* $ 209,858,000 1 $ 295,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,524,028,000 1 $ 140,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,311,651,000 1 $ 281,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 247,938,000 1 $ 67,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 111,000
Greater Kentucky Credit Union
1001 RED MILE ROAD
LEXINGTON, KY 40504
* $ 57,891,000 1 $ 102,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 68,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 661,119,000 1 $ 54,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 147,000
United Federal Credit Union
2807 SOUTH STATE ST
ST. JOSEPH, MI 49085
* $ 1,228,405,000 1 $ 26,000
Amerifirst Financial Corporati
616 WEST CENTRE AVENUE
PORTAGE, MI 49024
* $ 10,000,000 1 $ 83,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 423,281,000 1 $ 110,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 577,869,000 1 $ 37,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 1,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 138,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 135,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 124,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 84,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 156,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 162,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 130,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 1 $ 174,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 15,000
Grand Bank, National Association
2297 HWY 33
HAMILTON, NJ 08690
* $ 424,689,000 1 $ 144,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 137,130,000 1 $ 105,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 555,205,000 1 $ 119,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 73,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 605,766,000 1 $ 167,000
Nycb Mortgage Company, LLC
1801 EAST 9TH STREET
CLEVELAND, OH 44114
* $ 75,001,000 1 $ 87,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 1 $ 140,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 297,097,000 1 $ 66,000
Charles Schwab Bank, SSB

LONE TREE, CO 80124
* $ 56,866,447,000 1 $ 165,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 109,283,991,000 1 $ 247,000
Mountain States Mortgage
1333 E 9400 S
SANDY, UT 84093
* $ 10,000,000 1 $ 122,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 126,719,736,000 1 $ 3,000

The tables below break down 2011 mortgage applications in Garrard 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 Garrard 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 499 $61,902,000 $124,000 $479,000 $57,000 $711,000
Home Purchase 297 $32,857,000 $110,000 $375,000 $60,000 $1,176,000
Home Improvement 63 $1,840,000 $29,000 $263,000 $55,000 $234,000

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 686 $75,133,000 $109,000 $479,000 $64,000 $1,176,000
Not applicable 84 $10,467,000 $124,000 $318,000 $10,000 $120,000
Not Provided 75 $9,488,000 $126,000 $310,000 $56,000 $287,000
Black or African American 6 $479,000 $79,000 $123,000 $41,000 $65,000
Hispanic 4 $480,000 $120,000 $240,000 $58,000 $101,000
American Indian or Alaskan Native 3 $512,000 $170,000 $296,000 $109,000 $177,000
Asian 1 $40,000 $40,000 $40,000 $25,000 $25,000
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) 575 $60,947,000 $105,000 $445,000 $66,000 $1,176,000
FHA-insured (Federal Housing Administration) 170 $21,579,000 $126,000 $479,000 $44,000 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 80 $8,813,000 $110,000 $192,000 $37,000 $82,000
VA-guaranteed (Veterans Administration) 34 $5,260,000 $154,000 $303,000 $40,000 $276,000

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 406 $41,822,000 $103,000 $445,000 $63,000 $792,000
Application Denied By Financial Institution 165 $18,240,000 $110,000 $479,000 $62,000 $1,176,000
Loan Purchased By The Institution 154 $20,024,000 $130,000 $318,000 $37,000 $276,000
Application Withdrawn By Applicant 88 $11,730,000 $133,000 $415,000 $64,000 $720,000
Application Approved But Not Accepted 26 $2,262,000 $87,000 $310,000 $70,000 $177,000
File Closed For Incompleteness 20 $2,521,000 $126,000 $205,000 $56,000 $102,000
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
Collateral 32 $3,629,000 $113,000 $228,000 $48,000 $120,000
Credit History 28 $2,567,000 $91,000 $240,000 $95,000 $1,176,000
Debt-To-Income Ratio 26 $3,445,000 $132,000 $479,000 $33,000 $146,000
Credit Application Incomplete 12 $1,193,000 $99,000 $170,000 $45,000 $102,000
Other 7 $768,000 $109,000 $320,000 $148,000 $711,000
Insufficient Cash (Downpayment, Closing Cost) 5 $530,000 $106,000 $192,000 $71,000 $143,000
Unverifiable Information 2 $178,000 $89,000 $116,000 $55,000 $85,000
Employment History 1 $124,000 $124,000 $124,000 $58,000 $58,000
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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