Grant County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 1,372 mortgage applications in Grant County, KY totaling $156.4 million, down 10% from 2010. The average application was for $114,000, and applicants reported an average income of $54,000. 47% of applications resulted in an originated loan and 21% were denied. The most active lender was The Bank of Kentucky, with 130 applications, followed by Grant County Deposit Bank and Wells Fargo Bank NA.

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Total Number of Mortgage Applications 1,372
Total Mortgage Loan Application Amount $156,430,000
Average Mortgage Loan Application Amount $114,000
Highest Mortgage Loan Application Amount $555,000
Average Applicant Income $54,000
Highest Applicant Income $582,000

Mortgage Company List for Lending in Grant 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
The Bank of Kentucky
111 LOOKOUT FARM DR
CRESTVIEW HILLS, KY 41017
* $ 1,663,790,000 130 $ 16,436,000
Grant County Deposit Bank
106 NORTH MAIN P.O. BOX 399
WILLIAMSTOWN, KY 41097
* $ 90,881,000 122 $ 7,411,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 118 $ 15,489,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 82 $ 5,295,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 80 $ 11,789,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 735,798,000 69 $ 9,635,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 51 $ 5,876,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 50 $ 6,482,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,051,060,000 49 $ 5,850,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 48 $ 4,520,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 45 $ 1,813,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 38 $ 5,423,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 35 $ 4,006,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 28 $ 3,357,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 52,799,993,000 25 $ 3,121,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 21 $ 1,922,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 18 $ 2,166,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 15 $ 2,215,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,124,635,000 15 $ 1,872,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ 392,675,000 14 $ 914,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 14 $ 2,298,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 13 $ 1,441,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 12 $ 1,948,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 11 $ 1,155,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 1,294,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 10 $ 608,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 9 $ 1,243,000
Flagstar Bank NA

TROY, MI 49098
* $ 12,648,357,000 8 $ 1,127,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 8 $ 892,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 1,419,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 8 $ 1,570,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 7 $ 854,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 6 $ 903,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 6 $ 995,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 6 $ 707,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 998,891,000 6 $ 697,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 661,119,000 6 $ 813,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 5 $ 503,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 5 $ 813,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 5 $ 662,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 5 $ 943,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ 16,280,000 5 $ 494,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 5 $ 949,000
Old National Bank
1 MAIN STREET
EVANSVILLE, IN 47708
* $ 7,121,605,000 4 $ 164,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 4 $ 471,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 4 $ 542,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 490,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 301,642,000 4 $ 439,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,919,054,000 4 $ 183,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 4 $ 736,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 4 $ 318,000
First Farmers Bank & Trust Co.
127 NORTH THOMAS ST./PO BOX 188
OWENTON, KY 40359
* $ 116,579,000 4 $ 252,000
Kentucky Federal S&L Assoc
1050 SCOTT STREET
COVINGTON, KY 41011
* $ 40,751,000 3 $ 309,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 3 $ 784,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 1,193,270,000 3 $ 327,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 3 $ 340,000
Amerifirst Financial Corporati
616 WEST CENTRE AVENUE
PORTAGE, MI 49024
* $ 10,000,000 3 $ 316,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 465,000
Farmers National Bank
13447 DIXIE HWY P O BOX 128
WALTON, KY 41094
* $ 83,258,000 3 $ 192,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 3 $ 488,000
First Financial Bank NA
255 EAST FIFTH STREET SUITE #900
CINCINNATI, OH 45202
* $ 6,237,352,000 3 $ 272,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 426,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 415,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 238,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 2 $ 373,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 2 $ 234,000
Primary Capital
1000 PARKWOOD CIRCLE, SUITE 600
ATLANTA, GA 30339
* $ 10,000,000 2 $ 302,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 2 $ 228,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 2 $ 210,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 2 $ 231,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 2 $ 261,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,524,028,000 2 $ 265,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 2 $ 113,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 2 $ 86,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,054,163,000 2 $ 293,000
Victory Community Bank
2500 CHAMBER CENTER DRIVE
FORT MITCHELL, KY 41017
* $ 142,997,000 2 $ 382,000
Evolve Bank & Trust
6000 POPLAR AVENUE SUITE 300
MEMPHIS, TN 38119
* $ 160,432,000 1 $ 152,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,587,678,000 1 $ 57,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 658,623,000 1 $ 64,000
Colorado Federal Savings Bank8
400 EAST PRENTICE AVE, SUITE 840
GREENWOOD VILLAGE, CO 80111
* $ 703,619,000 1 $ 12,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 650,594,000 1 $ 10,000
University Bank
2015 WASHTENAW AVE
ANN ARBOR, MI 48104
* $ 115,146,000 1 $ 90,000
Bank of the Bluegrass and Trust Company
101 EAST HIGH STREET
LEXINGTON, KY 40507
* $ 209,858,000 1 $ 112,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 464,871,000 1 $ 79,000
Aurgroup Financial Credit Union
8811 HOLDEN BLVD
FAIRFIELD, OH 45014
* $ 141,380,000 1 $ 139,000
Cheviot Savings Bank
3723 GLENMORE AVE
CINCINNATI, OH 45211
* $ 354,696,000 1 $ 108,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,319,293,000 1 $ 151,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 52,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 117,000
Cgb Agri Financial Services
2209 RIVER ROAD
LOUISVILLE, KY 40206
* $ 433,538,000 1 $ 61,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 85,930,126,000 1 $ 93,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,465,208,000 1 $ 109,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 1 $ 93,000
National Bank of Kansas City
10700 NALL AVENUE
OVERLAND PARK, KS 66211
* $ 652,138,000 1 $ 194,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 151,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 23,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 1 $ 84,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 129,000
Liberty Home Equity Solutions, Inc.
10951 WHITE ROCK ROAD, SUITE 200
RANCHO CORDOVA, CA 95670
* $ 60,629,000 1 $ 128,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ 3,125,000 1 $ 63,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 115,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 200,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 577,869,000 1 $ 112,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 145,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 177,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 180,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 1 $ 196,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 68,000

The tables below break down 2011 mortgage applications in Grant 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 Grant 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 876 $110,107,000 $125,000 $555,000 $59,000 $507,000
Home Purchase 454 $44,533,000 $98,000 $358,000 $43,000 $582,000
Home Improvement 42 $1,790,000 $42,000 $146,000 $66,000 $287,000

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 1,076 $120,138,000 $111,000 $555,000 $62,000 $582,000
Not applicable 179 $22,982,000 $128,000 $415,000 $2,000 $155,000
Not Provided 94 $10,899,000 $115,000 $416,000 $58,000 $240,000
Hispanic 11 $1,179,000 $107,000 $150,000 $59,000 $108,000
American Indian or Alaskan Native 5 $387,000 $77,000 $140,000 $56,000 $88,000
Black or African American 4 $553,000 $138,000 $216,000 $35,000 $93,000
Asian 2 $216,000 $108,000 $116,000 $45,000 $51,000
Native Hawaiian or Other Pacific Islander 1 $76,000 $76,000 $76,000 $41,000 $41,000

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) 981 $106,298,000 $108,000 $555,000 $59,000 $582,000
FHA-insured (Federal Housing Administration) 263 $32,432,000 $123,000 $335,000 $39,000 $150,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 64 $7,673,000 $119,000 $224,000 $40,000 $96,000
VA-guaranteed (Veterans Administration) 64 $10,027,000 $156,000 $258,000 $47,000 $130,000

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 641 $73,022,000 $113,000 $481,000 $66,000 $582,000
Application Denied By Financial Institution 294 $30,103,000 $102,000 $555,000 $53,000 $312,000
Loan Purchased By The Institution 240 $31,870,000 $132,000 $415,000 $20,000 $155,000
Application Withdrawn By Applicant 95 $11,135,000 $117,000 $315,000 $59,000 $262,000
Application Approved But Not Accepted 78 $6,412,000 $82,000 $253,000 $49,000 $146,000
File Closed For Incompleteness 24 $3,888,000 $162,000 $416,000 $62,000 $124,000
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 65 $5,519,000 $84,000 $180,000 $53,000 $192,000
Collateral 49 $6,782,000 $138,000 $416,000 $75,000 $240,000
Debt-To-Income Ratio 33 $3,665,000 $111,000 $237,000 $47,000 $147,000
Credit Application Incomplete 17 $1,801,000 $105,000 $197,000 $53,000 $130,000
Other 15 $1,920,000 $128,000 $245,000 $63,000 $312,000
Unverifiable Information 5 $519,000 $103,000 $149,000 $26,000 $85,000
Insufficient Cash (Downpayment, Closing Cost) 3 $370,000 $123,000 $232,000 $45,000 $71,000
Employment History 1 $86,000 $86,000 $86,000 $41,000 $41,000
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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