Garrard County, KY Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 658 mortgage applications in Garrard County, KY totaling $78.6 million, about the same as 2014. The average application was for $119,000, and applicants reported an average income of $55,000. 54% of applications resulted in an originated loan and 17% were denied. The most active lender was First Southern National Bank, with 64 applications, followed by JPMorgan Chase Bank, NA and Whitaker Bank 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 658
Total Mortgage Loan Application Amount $78,626,000
Average Mortgage Loan Application Amount $119,000
Highest Mortgage Loan Application Amount $1,800,000
Average Applicant Income $55,000
Highest Applicant Income $903,000

Mortgage Company List for Lending in Garrard County, KY for 2015

* 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
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 683,163,000 64 $ 4,906,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 41 $ 7,164,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,371,264,000 31 $ 1,523,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 29 $ 3,915,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 26 $ 3,373,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 23 $ 3,117,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 23 $ 3,073,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 23 $ 2,183,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,938,014,000 16 $ 2,787,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 15 $ 1,859,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 800,639,000 14 $ 1,943,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 13 $ 1,296,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 13 $ 1,830,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 13 $ 1,014,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 13 $ 1,641,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 12 $ 1,580,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 111,145,000 11 $ 854,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 11 $ 1,379,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 10 $ 1,329,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 1,085,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,183,835,000 8 $ 893,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 8 $ 1,192,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 7 $ 1,152,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ 10,000,000 7 $ 732,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,699,771,000 7 $ 2,523,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 6 $ 773,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 6 $ 656,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 6 $ 778,000
Town Square Bank
1500 CARTER AVENUE
ASHLAND, KY 41105
* $ 414,518,000 6 $ 708,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 575,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ 40,000,000 5 $ 892,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 5 $ 228,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 504,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 854,298,000 5 $ 673,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 4 $ 367,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 4 $ 617,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 247,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 3 $ 396,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 979,204,000 3 $ 251,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 3 $ 296,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 948,996,000 3 $ 265,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 3 $ 327,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 689,333,000 3 $ 361,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 3 $ 369,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 3 $ 32,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 136,279,317,000 3 $ 168,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 3 $ 292,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 3 $ 388,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 338,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 3 $ 594,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ 1,543,699,000 3 $ 268,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 2 $ 293,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 360,000
Flagstar Bank
5151 CORPORATE DRIVE
TROY, MI 48098
* $ 9,779,461,000 2 $ 213,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 2 $ 38,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 417,945,000 2 $ 86,000
Bank of the Bluegrass and Trust Company
101 EAST HIGH STREET
LEXINGTON, KY 40507
* $ 214,404,000 2 $ 60,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,742,760,000 2 $ 101,000
Proficio Bank
6985 UNION PARK CENTER, SUITE 150
COTTONWOOD HEIGHTS, UT 84047
* $ 161,483,000 2 $ 297,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 2 $ 274,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 185,888,583,000 2 $ 171,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 2 $ 239,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 213,856,000 2 $ 214,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 2 $ 259,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 2 $ 133,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 2 $ 156,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 2 $ 143,000
Reverse Mortgage Solutions Inc
14405 WALTERS RD SUITE 200
HOUSTON, TX 77014
* $ 10,978,000 1 $ 173,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 365,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 129,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 894,566,000 1 $ 92,000
Kentucky Farmers Bank Corporation
6313 US RT 60
ASHLAND, KY 41102
* $ 175,129,000 1 $ 410,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 152,000
Greater Kentucky Credit Union
1001 RED MILE ROAD
LEXINGTON, KY 40504
* $ 59,013,000 1 $ 99,000
Kemba Louisville Credit Union
4017 POPLAR LEVEL ROAD
LOUISVILLE, KY 40213
* $ 46,942,000 1 $ 12,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 127,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 152,000
Delta Community Credit Union
3270 RIVERWOOD PKWY
ATLANTA, GA 30339
* $ 4,663,901,000 1 $ 150,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 172,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 227,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 1,036,325,000 1 $ 2,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 552,179,000 1 $ 4,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 1 $ 33,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 66,111,039,000 1 $ 5,000
Mb Financial Bank, National Association
6111 N. RIVER ROAD
ROSEMONT, IL 60018
* $ 9,910,776,000 1 $ 212,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 1 $ 118,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 524,293,000 1 $ 72,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 131,000
Morgan Stanley Private Bank NA
2000 WESTCHESTER AVE
PURCHASE, NY 10577
* $ 27,356,000,000 1 $ 258,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 1 $ 129,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 121,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 190,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 186,000
First Security Bank, Inc.
PO BOX 788
OWENSBORO, KY 42302
* $ 546,102,000 1 $ 138,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 153,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 98,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 100,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 1 $ 112,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 156,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 162,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 252,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 119,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 38,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 71,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 1 $ 182,000

The tables below break down 2015 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 2015

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 338 $42,868,000 $126,000 $1,800,000 $51,000 $674,000
Refinancing 267 $34,204,000 $128,000 $1,750,000 $61,000 $903,000
Home Improvement 53 $1,554,000 $29,000 $227,000 $49,000 $144,000

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 504 $56,755,000 $112,000 $410,000 $62,000 $903,000
Not applicable 86 $12,417,000 $144,000 $1,800,000 $5,000 $116,000
Not Provided 54 $8,002,000 $148,000 $1,750,000 $64,000 $550,000
Hispanic 7 $717,000 $102,000 $312,000 $73,000 $146,000
Black or African American 4 $470,000 $117,000 $159,000 $78,000 $109,000
Asian 2 $183,000 $91,000 $95,000 $30,000 $32,000
American Indian or Alaskan Native 1 $82,000 $82,000 $82,000 $24,000 $24,000
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) 389 $43,769,000 $112,000 $1,800,000 $68,000 $903,000
FHA-insured (Federal Housing Administration) 119 $15,152,000 $127,000 $276,000 $41,000 $182,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 90 $10,597,000 $117,000 $183,000 $25,000 $64,000
VA-guaranteed (Veterans Administration) 60 $9,108,000 $151,000 $283,000 $38,000 $127,000

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 356 $42,072,000 $118,000 $1,800,000 $61,000 $903,000
Application Denied By Financial Institution 109 $10,635,000 $97,000 $360,000 $53,000 $550,000
Loan Purchased By The Institution 83 $10,909,000 $131,000 $276,000 $13,000 $134,000
Application Withdrawn By Applicant 60 $7,979,000 $132,000 $365,000 $67,000 $674,000
Application Approved But Not Accepted 27 $3,046,000 $112,000 $276,000 $70,000 $600,000
File Closed For Incompleteness 23 $3,985,000 $173,000 $1,750,000 $71,000 $537,000
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 31 $2,633,000 $84,000 $245,000 $50,000 $109,000
Collateral 17 $1,786,000 $105,000 $360,000 $83,000 $550,000
Debt-To-Income Ratio 14 $1,766,000 $126,000 $252,000 $54,000 $122,000
Credit Application Incomplete 7 $665,000 $95,000 $153,000 $40,000 $75,000
Other 5 $483,000 $96,000 $183,000 $93,000 $176,000
Unverifiable Information 2 $354,000 $177,000 $187,000 $89,000 $100,000
Employment History 2 $203,000 $101,000 $108,000 $29,000 $31,000
Insufficient Cash (Downpayment, Closing Cost) 1 $75,000 $75,000 $75,000 $51,000 $51,000
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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