Harlan County, KY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 708 mortgage applications in Harlan County, KY totaling $47.4 million, down 24% from 2007. The average application was for $66,000, and applicants reported an average income of $51,000. 41% of applications resulted in an originated loan and 37% were denied. The most active lender was Branch Banking and Trust Co, with 171 applications, followed by Commercial Bank and Citifinancial Services, 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 | 708 |
| Total Mortgage Loan Application Amount | $47,404,000 |
| Average Mortgage Loan Application Amount | $66,000 |
| Highest Mortgage Loan Application Amount | $379,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $528,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 171 | $ 7,708,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 443,592,000 | 111 | $ 6,422,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,187,631,000,000 | 86 | $ 3,547,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 33 | $ 2,615,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 31 | $ 2,605,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,892,231,000 | 18 | $ 1,359,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 18 | $ 1,625,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 18 | $ 1,618,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 16 | $ 1,106,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 15 | $ 1,721,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 13 | $ 950,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 13 | $ 1,352,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 12 | $ 729,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 10 | $ 1,070,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 9 | $ 1,218,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 9 | $ 419,000 |
| Homecomings Financial LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 8 | $ 913,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 8 | $ 741,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 7 | $ 244,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 362,271,000 | 5 | $ 613,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 28,404,352,000 | 5 | $ 644,000 |
| Capital One Home Loans, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 5 | $ 458,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 5 | $ 425,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 717,398,000 | 4 | $ 496,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 373,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 4 | $ 256,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 4 | $ 289,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 870,669,000 | 4 | $ 421,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 4 | $ 317,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 217,000 |
| Popular Housing Services 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 11,000,000 | 3 | $ 294,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 3 | $ 447,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 3 | $ 225,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 30,219,506,000 | 2 | $ 133,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 15,757,171,000 | 2 | $ 344,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 80,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 2 | $ 226,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 2 | $ 297,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,271,572,000 | 2 | $ 65,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 548,397,000 | 2 | $ 81,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 978,554,000 | 2 | $ 243,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 118,000 |
| Lee Bank & Trust Company P.O. BOX 100 PENNINGTON GAP, VA 24277 |
* | $ 163,000,000 | 1 | $ 45,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,770,082,000 | 1 | $ 25,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 68,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 126,992,000 | 1 | $ 54,000 |
| Amtrust Bank 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 16,938,391,000 | 1 | $ 101,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 16,047,364,000 | 1 | $ 101,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 1 | $ 84,000 |
| Bank of Oklahoma, NA PO BOX 2300 TULSA, OK 74102 |
* | $ 14,649,115,000 | 1 | $ 139,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 395,864,000 | 1 | $ 15,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,024,460,000 | 1 | $ 32,000 |
| Rbs Citizens, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 128,863,082,000 | 1 | $ 25,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,251,715,000,000 | 1 | $ 2,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 1 | $ 157,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ 11,000,000 | 1 | $ 187,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 171,000 |
| Wilmington Finance, Inc. 620 W GERMANTOWN RD PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 178,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 144,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 70,000 |
| Merrill Lynch Credit Corp. 4804 DEER LAKE DRIVE EAST BLDG 3 FL 5 JACKSONVILLE, FL 32246 |
* | $ 4,500,000,000 | 1 | $ 60,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 107,404,000 | 1 | $ 20,000 |
| New South Federal Savings Bank 1900 CRESTWOOD BOULEVARD BIRMINGHAM, AL 35210 |
* | $ 1,901,132,000 | 1 | $ 164,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 14,839,190,000 | 1 | $ 5,000 |
The tables below break down 2008 mortgage applications in Harlan 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 Harlan County, KY in 2008
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 | 357 | $28,982,000 | $81,000 | $379,000 | $53,000 | $394,000 |
| Home Purchase | 210 | $13,861,000 | $66,000 | $260,000 | $53,000 | $528,000 |
| Home Improvement | 141 | $4,561,000 | $32,000 | $245,000 | $42,000 | $108,000 |
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 | 631 | $41,429,000 | $65,000 | $379,000 | $51,000 | $528,000 |
| Not Provided | 43 | $3,375,000 | $78,000 | $178,000 | $47,000 | $88,000 |
| Not applicable | 16 | $1,667,000 | $104,000 | $260,000 | $22,000 | $143,000 |
| Black or African American | 9 | $287,000 | $31,000 | $67,000 | $46,000 | $109,000 |
| Hispanic | 4 | $216,000 | $54,000 | $86,000 | $53,000 | $94,000 |
| American Indian or Alaskan Native | 3 | $60,000 | $20,000 | $50,000 | $45,000 | $87,000 |
| Asian | 2 | $370,000 | $185,000 | $218,000 | $243,000 | $394,000 |
| 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) | 612 | $37,878,000 | $61,000 | $379,000 | $51,000 | $528,000 |
| FHA-insured (Federal Housing Administration) | 73 | $7,651,000 | $104,000 | $233,000 | $53,000 | $130,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,039,000 | $64,000 | $159,000 | $38,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 7 | $836,000 | $119,000 | $260,000 | $50,000 | $100,000 |
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 | 289 | $17,612,000 | $60,000 | $379,000 | $51,000 | $360,000 |
| Application Denied By Financial Institution | 264 | $18,217,000 | $69,000 | $260,000 | $52,000 | $528,000 |
| Application Approved But Not Accepted | 79 | $4,984,000 | $63,000 | $325,000 | $48,000 | $115,000 |
| Application Withdrawn By Applicant | 38 | $3,020,000 | $79,000 | $178,000 | $50,000 | $150,000 |
| Loan Purchased By The Institution | 27 | $2,467,000 | $91,000 | $214,000 | $47,000 | $143,000 |
| File Closed For Incompleteness | 11 | $1,104,000 | $100,000 | $280,000 | $60,000 | $172,000 |
| 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 | 68 | $3,623,000 | $53,000 | $164,000 | $52,000 | $156,000 |
| Collateral | 26 | $2,315,000 | $89,000 | $218,000 | $75,000 | $528,000 |
| Debt-To-Income Ratio | 18 | $1,407,000 | $78,000 | $260,000 | $30,000 | $80,000 |
| Other | 16 | $878,000 | $54,000 | $194,000 | $47,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $307,000 | $51,000 | $88,000 | $43,000 | $65,000 |
| Credit Application Incomplete | 6 | $499,000 | $83,000 | $207,000 | $104,000 | $291,000 |
| Unverifiable Information | 1 | $59,000 | $59,000 | $59,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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