Hancock County, KY Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 402 mortgage applications in Hancock County, KY totaling $35.2 million, up 6% from 2011. The average application was for $87,000, and applicants reported an average income of $61,000. 52% of applications resulted in an originated loan and 24% were denied. The most active lender was Independence Bank of Kentucky, with 53 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 | 402 |
| Total Mortgage Loan Application Amount | $35,219,000 |
| Average Mortgage Loan Application Amount | $87,000 |
| Highest Mortgage Loan Application Amount | $428,000 |
| Average Applicant Income | $61,000 |
| Highest Applicant Income | $575,000 |
* 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 |
* | $ 1,133,577,000 | 53 | $ 4,436,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 52 | $ 3,451,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 46 | $ 3,391,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 31 | $ 3,467,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 350,669,000 | 25 | $ 1,451,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 20 | $ 1,529,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 15 | $ 1,531,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 14 | $ 1,267,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 14 | $ 1,708,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 14 | $ 920,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 11 | $ 1,231,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 8 | $ 627,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 8,467,892,000 | 8 | $ 647,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 8 | $ 1,089,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 1,866,842,000 | 6 | $ 693,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 5 | $ 472,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 5 | $ 286,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 829,102,000 | 4 | $ 287,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,310,308,000 | 3 | $ 247,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 460,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 46,925,466,000 | 3 | $ 182,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 146,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 672,996,000 | 2 | $ 130,000 |
| First Security Bank, Inc. PO BOX 788 OWENSBORO, KY 42302 |
* | $ 368,578,000 | 2 | $ 306,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 386,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 263,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Kirkston Mortgage Lending 501 CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ 10,000,000 | 2 | $ 150,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Cmco Mortgage, LLC dba Home Le 7851 FREEWAY CIRCLE MIDDLEBURG HEIGHTS, OH 44130 |
* | $ 10,000,000 | 2 | $ 237,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 2 | $ 199,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 628,766,000 | 2 | $ 103,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 133,582,000 | 1 | $ 83,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 897,005,000 | 1 | $ 53,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 595,190,000 | 1 | $ 142,000 |
| Viewpoint Bank, N.A. 1309 W 15TH, SUITE 302 PLANO, TX 75075 |
* | $ 3,179,743,000 | 1 | $ 86,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 1 | $ 70,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,019,985,000 | 1 | $ 108,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 280,708,000 | 1 | $ 164,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 6,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 82,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 164,000 |
| West Point Bank P.O. 440 RADCLIFF, KY 40160 |
* | $ 141,640,000 | 1 | $ 28,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 251,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 1 | $ 75,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 86,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 214,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 152,000 |
| Kentucky Neighborhood Bank, in 1000 N. DIXIE AVE. ELIZABETHTOWN, KY 42701 |
* | $ 126,656,000 | 1 | $ 52,000 |
| South Central Bank of Daviess 300 SOUTHTOWN BLVD OWENSBORO, KY 42303 |
* | $ 199,127,000 | 1 | $ 26,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 56,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 1 | $ 74,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 1 | $ 73,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 99,000 |
The tables below break down 2012 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 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 | 187 | $18,397,000 | $98,000 | $428,000 | $64,000 | $454,000 |
| Home Purchase | 174 | $15,252,000 | $87,000 | $292,000 | $58,000 | $575,000 |
| Home Improvement | 41 | $1,570,000 | $38,000 | $150,000 | $55,000 | $143,000 |
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 | 352 | $30,997,000 | $88,000 | $428,000 | $60,000 | $575,000 |
| Not Provided | 32 | $2,676,000 | $83,000 | $200,000 | $65,000 | $389,000 |
| Not applicable | 9 | $746,000 | $82,000 | $140,000 | $3,000 | $34,000 |
| American Indian or Alaskan Native | 3 | $276,000 | $92,000 | $202,000 | $207,000 | $454,000 |
| Black or African American | 3 | $139,000 | $46,000 | $65,000 | $65,000 | $143,000 |
| Hispanic | 3 | $385,000 | $128,000 | $171,000 | $58,000 | $78,000 |
| 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) | 324 | $26,827,000 | $82,000 | $428,000 | $63,000 | $575,000 |
| FHA-insured (Federal Housing Administration) | 51 | $4,900,000 | $96,000 | $251,000 | $45,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 15 | $2,109,000 | $140,000 | $251,000 | $78,000 | $152,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,383,000 | $115,000 | $165,000 | $43,000 | $70,000 |
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 | 210 | $18,931,000 | $90,000 | $428,000 | $66,000 | $575,000 |
| Application Denied By Financial Institution | 98 | $7,758,000 | $79,000 | $205,000 | $58,000 | $446,000 |
| Application Approved But Not Accepted | 39 | $2,481,000 | $63,000 | $162,000 | $49,000 | $143,000 |
| Application Withdrawn By Applicant | 24 | $2,691,000 | $112,000 | $214,000 | $58,000 | $163,000 |
| Loan Purchased By The Institution | 21 | $2,319,000 | $110,000 | $208,000 | $49,000 | $142,000 |
| File Closed For Incompleteness | 9 | $976,000 | $108,000 | $172,000 | $51,000 | $84,000 |
| Preapproval Denied by Financial Institution | 1 | $63,000 | $63,000 | $63,000 | $39,000 | $39,000 |
| Preapproval Approved but not Accepted | 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 | 24 | $1,455,000 | $60,000 | $200,000 | $54,000 | $112,000 |
| Collateral | 19 | $1,791,000 | $94,000 | $205,000 | $64,000 | $191,000 |
| Credit Application Incomplete | 8 | $683,000 | $85,000 | $204,000 | $86,000 | $218,000 |
| Other | 8 | $677,000 | $84,000 | $192,000 | $98,000 | $446,000 |
| Debt-To-Income Ratio | 7 | $695,000 | $99,000 | $152,000 | $50,000 | $77,000 |
| Employment History | 1 | $30,000 | $30,000 | $30,000 | $37,000 | $37,000 |
| Unverifiable Information | 1 | $87,000 | $87,000 | $87,000 | $77,000 | $77,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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