Hancock County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 380 mortgage applications in Hancock County, KY totaling $34.0 million, up 13% from 2010. The average application was for $89,000, and applicants reported an average income of $55,000. 50% of applications resulted in an originated loan and 27% were denied. The most active lender was Independence Bank of Kentucky, with 69 applications, followed by US Bk NA Nd and Vanderbilt Mortgage and Finance, 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 | 380 |
| Total Mortgage Loan Application Amount | $34,030,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $310,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $420,000 |
* 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 |
|---|---|---|---|---|
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 990,285,000 | 69 | $ 5,724,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 37 | $ 2,476,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 35 | $ 1,983,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 33 | $ 3,372,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 335,824,000 | 32 | $ 1,890,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 22 | $ 1,690,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 14 | $ 1,307,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 13 | $ 1,748,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 12 | $ 1,469,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 10 | $ 1,018,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 673,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 9 | $ 1,005,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 8 | $ 943,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 8 | $ 757,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,524,028,000 | 6 | $ 620,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 4 | $ 440,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 4 | $ 500,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 445,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 194,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 265,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,719,502,000 | 2 | $ 240,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 1,365,455,000 | 2 | $ 65,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 794,165,000 | 2 | $ 118,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 384,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 411,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 368,000 |
| Kirkston Mortgage Lending 501 CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ 10,000,000 | 2 | $ 189,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 2 | $ 111,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 1 | $ 118,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 118,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 26,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 1 | $ 240,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 159,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 745,184,000 | 1 | $ 118,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 76,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 144,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 136,000 |
| First Nb of Jacksboro P.O. DRAWER E JACKSBORO, TX 76458 |
* | $ 475,843,000 | 1 | $ 136,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,416,159,000 | 1 | $ 32,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 166,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 89,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 52,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 96,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 310,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 1 | $ 89,000 |
| Owensboro 717 HARVARD DRIVE OWENSBORO, KY 42301 |
* | $ 49,506,000 | 1 | $ 50,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 283,342,000 | 1 | $ 123,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 27,000 |
| CU Channels 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 505,929,000 | 1 | $ 127,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 1 | $ 95,000 |
| South Central Bank of Daviess 300 SOUTHTOWN BLVD OWENSBORO, KY 42303 |
* | $ 194,465,000 | 1 | $ 84,000 |
The tables below break down 2011 mortgage applications in Hancock 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 Hancock 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 | 197 | $19,180,000 | $97,000 | $310,000 | $58,000 | $194,000 |
| Home Purchase | 153 | $13,509,000 | $88,000 | $252,000 | $51,000 | $420,000 |
| Home Improvement | 30 | $1,341,000 | $44,000 | $155,000 | $58,000 | $161,000 |
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 | 341 | $30,385,000 | $89,000 | $252,000 | $56,000 | $420,000 |
| Not Provided | 26 | $2,190,000 | $84,000 | $243,000 | $52,000 | $165,000 |
| Not applicable | 7 | $849,000 | $121,000 | $240,000 | $13,000 | $93,000 |
| American Indian or Alaskan Native | 4 | $243,000 | $60,000 | $78,000 | $46,000 | $94,000 |
| Black or African American | 1 | $310,000 | $310,000 | $310,000 | $82,000 | $82,000 |
| Hispanic | 1 | $53,000 | $53,000 | $53,000 | $85,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 306 | $25,246,000 | $82,000 | $310,000 | $58,000 | $420,000 |
| FHA-insured (Federal Housing Administration) | 44 | $5,210,000 | $118,000 | $246,000 | $55,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,248,000 | $140,000 | $240,000 | $35,000 | $113,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,326,000 | $94,000 | $117,000 | $32,000 | $78,000 |
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 | 191 | $16,123,000 | $84,000 | $252,000 | $58,000 | $243,000 |
| Application Denied By Financial Institution | 103 | $8,544,000 | $82,000 | $216,000 | $51,000 | $420,000 |
| Application Withdrawn By Applicant | 27 | $3,527,000 | $130,000 | $243,000 | $64,000 | $132,000 |
| Application Approved But Not Accepted | 26 | $1,881,000 | $72,000 | $310,000 | $47,000 | $96,000 |
| Loan Purchased By The Institution | 21 | $2,524,000 | $120,000 | $240,000 | $37,000 | $128,000 |
| File Closed For Incompleteness | 12 | $1,431,000 | $119,000 | $243,000 | $72,000 | $194,000 |
| 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 | $2,141,000 | $69,000 | $150,000 | $56,000 | $165,000 |
| Collateral | 20 | $1,951,000 | $97,000 | $216,000 | $56,000 | $88,000 |
| Debt-To-Income Ratio | 7 | $853,000 | $121,000 | $204,000 | $57,000 | $120,000 |
| Credit Application Incomplete | 6 | $585,000 | $97,000 | $174,000 | $42,000 | $68,000 |
| Other | 6 | $569,000 | $94,000 | $110,000 | $46,000 | $74,000 |
| Employment History | 2 | $92,000 | $46,000 | $88,000 | $39,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $39,000 | $39,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $47,000 | $47,000 |
| 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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