Grayson County, KY Mortgage Lenders & HMDA Data, 2015

In 2015, lenders reported 806 mortgage applications in Grayson County, KY totaling $90.7 million, down 4% from 2014. The average application was for $112,000, and applicants reported an average income of $66,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was The Cecilian Bank, with 118 applications, followed by Wilson & Muir Bank & Trust Company and Abound Federal Credit Union.

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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 806
Total Mortgage Loan Application Amount $90,714,000
Average Mortgage Loan Application Amount $112,000
Highest Mortgage Loan Application Amount $1,850,000
Average Applicant Income $66,000
Highest Applicant Income $700,000

Mortgage Company List for Lending in Grayson 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
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 586,632,000 118 $ 14,540,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ 457,455,000 85 $ 6,617,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,183,835,000 72 $ 6,589,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,532,784,000,000 34 $ 4,048,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 21 $ 2,208,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,074,981,000,000 18 $ 3,379,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 17 $ 951,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 182,489,046,000 16 $ 1,556,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 16 $ 1,197,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 15 $ 1,806,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 335,060,015,000 13 $ 768,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 398,978,359,000 12 $ 1,460,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 12 $ 1,557,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 11 $ 1,346,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 11 $ 1,126,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 11 $ 1,236,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 10 $ 973,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 10 $ 1,117,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 136,279,317,000 9 $ 1,614,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 9 $ 933,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,742,760,000 9 $ 1,790,000
Kentucky Neighborhood Bank, in
1000 N. DIXIE AVE.
ELIZABETHTOWN, KY 42701
* $ 131,953,000 9 $ 876,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 9 $ 1,364,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 8 $ 720,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 164,706,000 8 $ 1,002,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 8 $ 1,051,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 8 $ 1,086,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 708,292,000 7 $ 404,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,685,931,000 7 $ 744,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ 157,421,000 6 $ 1,607,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 6 $ 699,000
Your Community Bank
101 W MAIN ST
NEW ALBANY, IN 47150
* $ 744,388,000 6 $ 657,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,761,042,000 5 $ 327,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 63,635,411,000 5 $ 624,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 5 $ 793,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 5 $ 953,000
American Equity Mortgage, Inc.
11933 WESTLINE INDUSTRIAL DRIVE
SAINT LOUIS, MO 63146
* $ 10,000,000 5 $ 742,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 499,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 161,503,000 4 $ 187,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 689,333,000 4 $ 371,000
The Farmers National Bank of Scottsville
1595 VETERANS MEMORIAL HWY
SCOTTSVILLE, KY 42164
* $ 245,941,000 4 $ 54,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,016,665,000 4 $ 694,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ 276,900,000 4 $ 252,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 4 $ 432,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 4 $ 913,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,808,214,000 4 $ 307,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 3 $ 361,000
Stonegate Mortgage Corporation
9190 PRIORITY WAY WEST DRIVE
INDIANAPOLIS, IN 46240
* $ 10,000,000 3 $ 475,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ 10,000,000 3 $ 234,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 3 $ 616,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ 10,000,000 3 $ 553,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 822,125,000 3 $ 251,000
360 Mortgage Group, LLC
11305 FOUR POINTS DRIVE, BLDG 1, #200
AUSTIN, TX 78726
* $ 10,000,000 3 $ 679,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 524,620,000 3 $ 204,000
Bank of Edmonson County
PO BOX 99
BROWNSVILLE, KY 42210
* $ 199,287,000 3 $ 177,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 181,973,000 3 $ 483,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 894,566,000 3 $ 246,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 333,771,000 3 $ 166,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 3 $ 197,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 3 $ 244,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 556,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ 0 2 $ 160,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ 10,000,000 2 $ 263,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 336,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 2 $ 187,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 2 $ 158,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 2 $ 24,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 498,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 2 $ 177,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 1,229,885,000 2 $ 140,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 2 $ 523,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 2 $ 209,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 67,301,894,000 2 $ 163,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 185,888,583,000 2 $ 37,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ 603,000 2 $ 364,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 66,111,039,000 2 $ 151,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 7,873,796,000 1 $ 90,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ 10,000,000 1 $ 187,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 116,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,356,442,000,000 1 $ 154,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,574,093,000,000 1 $ 112,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 95,920,564,000 1 $ 71,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 524,293,000 1 $ 82,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 451,471,000 1 $ 6,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 216,602,000 1 $ 356,000
Lenderlive Network, LLC
710 S ASH
GLENDALE, CO 80246
* $ 17,900,000 1 $ 116,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 1 $ 80,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 21,610,491,000 1 $ 84,000
Discover Home Loans, Inc
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 83,125,845,000 1 $ 263,000
Citizens First Bank, Inc.
1805 CAMPBELL LN
BOWLING GREEN, KY 42104
* $ 412,921,000 1 $ 31,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 98,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,622,355,000 1 $ 19,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 100,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 321,539,000 1 $ 184,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 56,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 65,000
First Federal Bank of Kansas City
6900 EXECUTIVE DR
KANSAS CITY, MO 64120
* $ 463,562,000 1 $ 302,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ 10,000,000 1 $ 142,000
Talmer Bank and Trust
2301 W. BIG BEAVER RD., SUITE 200
TROY, MI 48084
* $ 5,045,286,000 1 $ 220,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 2,561,014,000 1 $ 400,000
Peoples Bank
4831 W 6TH ST
LAWRENCE, KS 66049
* $ 447,877,000 1 $ 169,000
First Citizens Bank
425 WEST DIXIE AVENUE
ELIZABETHTOWN, KY 42701
* $ 311,752,000 1 $ 33,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ 26,864,000 1 $ 70,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 1 $ 221,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 143,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 102,000

The tables below break down 2015 mortgage applications in Grayson 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 Grayson 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 409 $41,532,000 $101,000 $1,208,000 $60,000 $696,000
Refinancing 352 $47,650,000 $135,000 $1,850,000 $74,000 $700,000
Home Improvement 45 $1,532,000 $34,000 $265,000 $66,000 $330,000

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 669 $73,437,000 $109,000 $1,850,000 $70,000 $700,000
Not Provided 77 $9,042,000 $117,000 $411,000 $80,000 $500,000
Not applicable 48 $6,722,000 $140,000 $1,208,000 $1,000 $50,000
Asian 4 $323,000 $80,000 $155,000 $87,000 $158,000
Black or African American 4 $493,000 $123,000 $133,000 $47,000 $58,000
Hispanic 2 $577,000 $288,000 $302,000 $66,000 $132,000
American Indian or Alaskan Native 2 $120,000 $60,000 $75,000 $94,000 $134,000
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) 566 $61,042,000 $107,000 $1,850,000 $78,000 $700,000
FHA-insured (Federal Housing Administration) 102 $11,381,000 $111,000 $276,000 $42,000 $133,000
VA-guaranteed (Veterans Administration) 76 $12,237,000 $161,000 $464,000 $46,000 $138,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 62 $6,054,000 $97,000 $305,000 $30,000 $84,000

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 407 $48,601,000 $119,000 $1,850,000 $76,000 $685,000
Application Denied By Financial Institution 194 $18,580,000 $95,000 $585,000 $65,000 $696,000
Application Withdrawn By Applicant 70 $8,303,000 $118,000 $411,000 $66,000 $700,000
Loan Purchased By The Institution 64 $8,238,000 $128,000 $355,000 $18,000 $131,000
Application Approved But Not Accepted 39 $3,759,000 $96,000 $259,000 $55,000 $149,000
File Closed For Incompleteness 32 $3,233,000 $101,000 $333,000 $68,000 $405,000
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 25 $1,494,000 $59,000 $204,000 $76,000 $330,000
Debt-To-Income Ratio 16 $1,837,000 $114,000 $417,000 $44,000 $139,000
Collateral 13 $2,099,000 $161,000 $585,000 $139,000 $696,000
Credit Application Incomplete 12 $1,371,000 $114,000 $263,000 $57,000 $200,000
Other 5 $730,000 $146,000 $204,000 $66,000 $115,000
Unverifiable Information 3 $404,000 $134,000 $173,000 $77,000 $118,000
Employment History 1 $118,000 $118,000 $118,000 $95,000 $95,000
Insufficient Cash (Downpayment, Closing Cost) 1 $88,000 $88,000 $88,000 $35,000 $35,000
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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