Harlan County, KY Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 574 mortgage applications in Harlan County, KY totaling $50.6 million, up 9% from 2019. The average application was for $88,000, and applicants reported an average income of $60,000. 35% of applications resulted in an originated loan and 36% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 97 applications, followed by Hearthside Bank Corporation and Monticello Banking Company.
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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 | 574 |
| Total Mortgage Loan Application Amount | $50,550,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $965,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $720,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 97 | $ 6,475,000 |
| Hearthside Bank Corporation 1602 CUMBERLAND AVENUE MIDDLESBORO, KY 40965 |
* | $ 389,907,000 | 62 | $ 5,200,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 766,200,000 | 52 | $ 5,430,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 46 | $ 2,720,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 46 | $ 2,900,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 1,285,083,000 | 44 | $ 3,720,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,388,018,000 | 19 | $ 1,245,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 13 | $ 1,535,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 12 | $ 2,080,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,344,716,000 | 11 | $ 1,165,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 10 | $ 1,040,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 6,120,102,000 | 9 | $ 715,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 8 | $ 580,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 8 | $ 720,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 8 | $ 620,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 7 | $ 595,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 640,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 6 | $ 680,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,020,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 4 | $ 780,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 460,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 354,165,000 | 3 | $ 375,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 5,099,588,000 | 3 | $ 125,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 235,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 3 | $ 205,000 |
| Reliant Bank 1736 CAROTHERS PARKWAY BRENTWOOD, TN 37027 |
* | $ 1,897,550,000 | 3 | $ 125,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 60,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 2 | $ 210,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 300,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 220,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 180,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 2 | $ 250,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,453,998,000,000 | 2 | $ 150,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 2 | $ 400,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,365,732,000 | 2 | $ 90,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 400,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 2 | $ 70,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 2 | $ 270,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 2 | $ 210,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 2 | $ 180,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 250,000 |
| Signature Federal Credit Union 12 HERBERT ST. ALEXANDRIA, VA 22305 |
* | $ 319,196,000 | 2 | $ 150,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 85,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 1 | $ 205,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 175,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 85,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 25,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 1 | $ 95,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 1 | $ 175,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 55,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 205,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 65,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 165,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,079,626,000 | 1 | $ 115,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 265,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 275,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 85,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 85,000 |
| Eagle.Bank 6415 BRIDGETOWN ROAD CINCINNATI, OH 45248 |
* | $ 142,769,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 185,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 165,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 265,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 65,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 975,232,000 | 1 | $ 25,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 115,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 1 | $ 75,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 135,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 2,488,033,000 | 1 | $ 15,000 |
The tables below break down 2020 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 2020
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 | 357 | $29,935,000 | $83,000 | $425,000 | $54,000 | $250,000 |
| Refinancing | 99 | $12,025,000 | $121,000 | $965,000 | $81,000 | $720,000 |
| Cash-out Refinancing | 54 | $5,300,000 | $98,000 | $305,000 | $66,000 | $180,000 |
| Home Improvement | 34 | $1,550,000 | $45,000 | $205,000 | $66,000 | $373,000 |
| Other Purpose | 18 | $830,000 | $46,000 | $95,000 | $55,000 | $123,000 |
| Not Applicable | 12 | $910,000 | $75,000 | $165,000 | $0 | $0 |
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 | 504 | $43,390,000 | $86,000 | $965,000 | $60,000 | $720,000 |
| Not applicable | 36 | $3,610,000 | $100,000 | $265,000 | $59,000 | $97,000 |
| Not Provided | 23 | $2,525,000 | $109,000 | $325,000 | $87,000 | $270,000 |
| Black or African American | 4 | $510,000 | $127,000 | $265,000 | $42,000 | $64,000 |
| Hispanic | 4 | $330,000 | $82,000 | $195,000 | $46,000 | $75,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $95,000 | $28,000 | $47,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $25,000 | $25,000 | $25,000 | $36,000 | $36,000 |
| 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) | 453 | $36,675,000 | $80,000 | $965,000 | $61,000 | $720,000 |
| FHA-insured (Federal Housing Administration) | 52 | $6,190,000 | $119,000 | $245,000 | $70,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,535,000 | $90,000 | $225,000 | $39,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 30 | $4,150,000 | $138,000 | $325,000 | $60,000 | $181,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 204 | $16,090,000 | $78,000 | $425,000 | $51,000 | $720,000 |
| Loan Originated | 203 | $19,005,000 | $93,000 | $305,000 | $68,000 | $250,000 |
| File Closed For Incompleteness | 63 | $4,825,000 | $76,000 | $205,000 | $53,000 | $270,000 |
| Application Withdrawn By Applicant | 49 | $5,625,000 | $114,000 | $965,000 | $72,000 | $373,000 |
| Loan Purchased By The Institution | 35 | $3,715,000 | $106,000 | $265,000 | $97,000 | $250,000 |
| Application Approved But Not Accepted | 20 | $1,290,000 | $64,000 | $255,000 | $60,000 | $133,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 289 | $27,055,000 | $93,000 | $325,000 | $64,000 | $270,000 |
| Debt-To-Income Ratio | 141 | $13,115,000 | $93,000 | $965,000 | $63,000 | $373,000 |
| Credit History | 101 | $6,155,000 | $60,000 | $325,000 | $51,000 | $720,000 |
| Unverifiable Information | 14 | $1,310,000 | $93,000 | $235,000 | $59,000 | $154,000 |
| Collateral | 11 | $1,355,000 | $123,000 | $215,000 | $60,000 | $158,000 |
| Other | 9 | $725,000 | $80,000 | $175,000 | $51,000 | $109,000 |
| Credit Application Incomplete | 6 | $470,000 | $78,000 | $205,000 | $62,000 | $157,000 |
| Employment History | 3 | $365,000 | $121,000 | $175,000 | $32,000 | $41,000 |
| 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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