Green County, KY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 390 mortgage applications in Green County, KY totaling $34.0 million, up 12% from 2011. The average application was for $87,000, and applicants reported an average income of $50,000. 46% of applications resulted in an originated loan and 29% were denied. The most active lender was Forcht Bank, N.A., with 114 applications, followed by Community Trust Bank, Inc. and Limestone Bank, Inc..

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Total Number of Mortgage Applications 390
Total Mortgage Loan Application Amount $33,984,000
Average Mortgage Loan Application Amount $87,000
Highest Mortgage Loan Application Amount $746,000
Average Applicant Income $50,000
Highest Applicant Income $497,000

Mortgage Company List for Lending in Green County, KY for 2012

* 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
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 992,086,000 114 $ 8,716,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,573,012,000 62 $ 5,232,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,452,553,000 29 $ 2,080,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 19 $ 974,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 17 $ 2,516,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 16 $ 1,283,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 13 $ 693,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 628,766,000 13 $ 674,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 12 $ 1,421,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,019,985,000 10 $ 632,000
Bank of Buffalo
2375 LINCOLN FARM RD
HODGENVILLE, KY 42748
* $ 74,529,000 5 $ 269,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 5 $ 725,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 4 $ 344,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 4 $ 367,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 4 $ 373,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 3 $ 349,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 401,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 897,005,000 2 $ 163,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 595,190,000 2 $ 58,000
Edmonton State Bank
204 ROGERS ROAD
GLASGOW, KY 42141
* $ 433,847,000 2 $ 115,000
West Point Bank
P.O. 440
RADCLIFF, KY 40160
* $ 141,640,000 2 $ 79,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 240,651,000 2 $ 586,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 2 $ 218,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 2 $ 518,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 2 $ 138,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 2 $ 223,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 117,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 2 $ 149,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 2 $ 432,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 2 $ 176,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 125,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 55,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 150,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 1 $ 129,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 302,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 1 $ 83,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 196,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 117,000
Cmco Mortgage, LLC dba Home Le
7851 FREEWAY CIRCLE
MIDDLEBURG HEIGHTS, OH 44130
* $ 10,000,000 1 $ 78,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 1 $ 117,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 675,932,000 1 $ 200,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 155,384,000 1 $ 70,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 569,541,000 1 $ 62,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 75,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 52,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,084,000,000 1 $ 30,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 1 $ 217,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 1 $ 193,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 1 $ 52,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 283,544,000 1 $ 80,000
Southeast Financial Credit Union
220 S ROYAL OAKS BLVD
FRANKLIN, TN 37064
* $ 434,566,000 1 $ 30,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ 790,637,000 1 $ 155,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 823,405,000 1 $ 329,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 133,582,000 1 $ 140,000
Hancock Bank & Trust Company
220 MAIN STREET
HAWESVILLE, KY 42348
* $ 350,669,000 1 $ 292,000
Shelter Financial Bank
1817 W. BROADWAY
COLUMBIA, MO 65218
* $ 172,261,000 1 $ 38,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 591,189,000 1 $ 42,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 197,000

The tables below break down 2012 mortgage applications in Green 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 Green County, KY in 2012

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 199 $21,105,000 $106,000 $746,000 $53,000 $331,000
Home Purchase 160 $10,865,000 $67,000 $518,000 $45,000 $497,000
Home Improvement 31 $2,014,000 $64,000 $200,000 $58,000 $193,000

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 351 $29,553,000 $84,000 $746,000 $52,000 $497,000
Not Provided 16 $1,902,000 $118,000 $383,000 $45,000 $200,000
Not applicable 15 $1,849,000 $123,000 $396,000 $4,000 $62,000
American Indian or Alaskan Native 3 $377,000 $125,000 $217,000 $73,000 $91,000
Black or African American 2 $133,000 $66,000 $88,000 $28,000 $38,000
Hispanic 2 $135,000 $67,000 $80,000 $85,000 $128,000
Asian 1 $35,000 $35,000 $35,000 $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) 322 $25,819,000 $80,000 $746,000 $52,000 $497,000
FHA-insured (Federal Housing Administration) 37 $4,629,000 $125,000 $230,000 $43,000 $120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 20 $1,584,000 $79,000 $112,000 $25,000 $50,000
VA-guaranteed (Veterans Administration) 11 $1,952,000 $177,000 $298,000 $67,000 $178,000

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 178 $15,607,000 $87,000 $518,000 $55,000 $208,000
Application Denied By Financial Institution 113 $9,699,000 $85,000 $746,000 $51,000 $331,000
Application Withdrawn By Applicant 45 $3,542,000 $78,000 $302,000 $54,000 $497,000
Loan Purchased By The Institution 31 $3,243,000 $104,000 $288,000 $26,000 $165,000
Application Approved But Not Accepted 17 $1,230,000 $72,000 $165,000 $38,000 $89,000
File Closed For Incompleteness 6 $663,000 $110,000 $167,000 $19,000 $62,000
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 38 $2,339,000 $61,000 $226,000 $36,000 $68,000
Debt-To-Income Ratio 13 $1,512,000 $116,000 $192,000 $36,000 $70,000
Collateral 8 $968,000 $121,000 $197,000 $98,000 $177,000
Other 6 $498,000 $83,000 $156,000 $50,000 $90,000
Insufficient Cash (Downpayment, Closing Cost) 2 $270,000 $135,000 $150,000 $83,000 $104,000
Credit Application Incomplete 2 $351,000 $175,000 $217,000 $53,000 $64,000
Employment History 1 $25,000 $25,000 $25,000 $36,000 $36,000
Unverifiable Information 1 $120,000 $120,000 $120,000 $50,000 $50,000
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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