In 2014, lenders reported 538 mortgage applications in Harrison County, KY totaling $65.9 million, down 29% from 2013. The average application was for $122,000, and applicants reported an average income of $68,000. 52% of applications resulted in an originated loan and 20% were denied. The most active lender was Kentucky Bank, with 32 applications, followed by Farm Credit Mid-America, Aca and Central Bank & Trust Co.
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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 | 538 |
| Total Mortgage Loan Application Amount | $65,899,000 |
| Average Mortgage Loan Application Amount | $122,000 |
| Highest Mortgage Loan Application Amount | $1,890,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $1,313,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 770,246,000 | 32 | $ 4,241,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 31 | $ 5,408,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,921,853,000 | 28 | $ 3,153,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 27 | $ 2,607,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 23 | $ 3,556,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 20 | $ 2,375,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 20 | $ 2,910,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 18 | $ 2,259,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 17 | $ 1,816,000 |
| Farmers Deposit Bank P O BOX 188 CYNTHIANA, KY 41031 |
* | $ 134,878,000 | 17 | $ 1,346,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 2,052,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 320,841,000 | 15 | $ 1,540,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 14 | $ 1,158,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 14 | $ 1,254,000 |
| Banktrust Financial 208 N MAIN ST HENDERSON, KY 42420 |
* | $ 133,467,000 | 13 | $ 838,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 1,044,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 1,244,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 8 | $ 823,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 8 | $ 968,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 925,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 943,977,000 | 7 | $ 480,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 629,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 318,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 813,894,000 | 6 | $ 913,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 5 | $ 529,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 5 | $ 823,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 4 | $ 242,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 398,000 |
| United Bank & Trust 100 UNITED BANK DRIVE VERSAILLES, KY 40383 |
* | $ 540,200,000 | 4 | $ 255,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 4 | $ 583,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,384,836,000 | 4 | $ 153,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,140,070,000 | 4 | $ 502,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 411,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 288,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 3 | $ 434,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 435,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 371,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 3 | $ 486,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 437,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 591,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 835,729,000 | 3 | $ 269,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 951,283,000 | 3 | $ 127,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 3 | $ 310,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 349,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 333,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 280,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 153,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 123,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 2 | $ 252,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 316,000 |
| Citizens State Bank 13840 W. NEWBERRY RD NEWBERRY, FL 32669 |
* | $ 191,437,000 | 2 | $ 38,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 2 | $ 292,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 2 | $ 104,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,856,362,000 | 2 | $ 455,000 |
| Centerbank 744 STATE ROUTE 28 MILFORD, OH 45150 |
* | $ 120,712,000 | 2 | $ 350,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 2 | $ 144,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 2 | $ 381,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 736,219,000 | 2 | $ 178,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,728,692,000 | 2 | $ 268,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,559,631,000 | 2 | $ 218,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 701,667,000 | 2 | $ 2,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,253,875,000 | 2 | $ 63,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 386,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 2 | $ 233,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 1 | $ 165,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,308,075,000 | 1 | $ 342,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 534,278,000 | 1 | $ 353,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 107,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 363,451,000 | 1 | $ 38,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 119,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ 21,269,000 | 1 | $ 117,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 1 | $ 139,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 130,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 81,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 492,224,000 | 1 | $ 12,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,119,995,000 | 1 | $ 100,000 |
| Air Force Federal Credit Union 1560 CABLE RANCH ROAD STE 200 SAN ANTONIO, TX 78245 |
* | $ 361,541,000 | 1 | $ 162,000 |
| Citizens Commerce Bank 534 MARSAILLES ROAD VERSAILLES, KY 40383 |
* | $ 208,566,000 | 1 | $ 1,890,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 240,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 266,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 617,585,000 | 1 | $ 33,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 190,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 235,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 69,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 22,971,000,000 | 1 | $ 240,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 120,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,261,678,000 | 1 | $ 60,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 246,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 1 | $ 106,000 |
| Town Square Bank 1500 CARTER AVENUE ASHLAND, KY 41105 |
* | $ 288,940,000 | 1 | $ 60,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 1 | $ 99,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 2,841,126,000 | 1 | $ 50,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 5,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 5,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 93,000 |
The tables below break down 2014 mortgage applications in Harrison County, KY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 281 | $33,860,000 | $120,000 | $446,000 | $67,000 | $1,313,000 |
| Refinancing | 234 | $30,897,000 | $132,000 | $1,890,000 | $67,000 | $332,000 |
| Home Improvement | 23 | $1,142,000 | $49,000 | $200,000 | $84,000 | $718,000 |
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 | 422 | $49,079,000 | $116,000 | $368,000 | $68,000 | $721,000 |
| Not applicable | 54 | $7,796,000 | $144,000 | $1,890,000 | $5,000 | $135,000 |
| Not Provided | 42 | $7,599,000 | $180,000 | $1,055,000 | $136,000 | $1,313,000 |
| American Indian or Alaskan Native | 10 | $587,000 | $58,000 | $109,000 | $122,000 | $217,000 |
| Hispanic | 8 | $645,000 | $80,000 | $140,000 | $57,000 | $84,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $93,000 | $93,000 | $93,000 | $37,000 | $37,000 |
| Asian | 1 | $100,000 | $100,000 | $100,000 | $122,000 | $122,000 |
| Black or African American | 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) | 343 | $41,119,000 | $119,000 | $1,890,000 | $82,000 | $1,313,000 |
| FHA-insured (Federal Housing Administration) | 77 | $9,293,000 | $120,000 | $280,000 | $46,000 | $135,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $7,847,000 | $113,000 | $250,000 | $30,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 49 | $7,640,000 | $155,000 | $368,000 | $59,000 | $168,000 |
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 | 280 | $36,298,000 | $129,000 | $1,890,000 | $86,000 | $1,313,000 |
| Application Denied By Financial Institution | 108 | $11,102,000 | $102,000 | $353,000 | $50,000 | $212,000 |
| Loan Purchased By The Institution | 65 | $8,319,000 | $127,000 | $319,000 | $23,000 | $135,000 |
| Application Withdrawn By Applicant | 43 | $5,662,000 | $131,000 | $368,000 | $61,000 | $168,000 |
| Application Approved But Not Accepted | 31 | $3,184,000 | $102,000 | $240,000 | $71,000 | $295,000 |
| File Closed For Incompleteness | 11 | $1,334,000 | $121,000 | $237,000 | $53,000 | $140,000 |
| 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 | 25 | $2,202,000 | $88,000 | $250,000 | $60,000 | $145,000 |
| Collateral | 11 | $924,000 | $84,000 | $165,000 | $75,000 | $135,000 |
| Debt-To-Income Ratio | 10 | $1,540,000 | $154,000 | $353,000 | $44,000 | $93,000 |
| Credit Application Incomplete | 4 | $400,000 | $100,000 | $177,000 | $66,000 | $96,000 |
| Unverifiable Information | 2 | $110,000 | $55,000 | $105,000 | $36,000 | $48,000 |
| Employment History | 2 | $153,000 | $76,000 | $80,000 | $36,000 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $287,000 | $143,000 | $165,000 | $67,000 | $72,000 |
| Other | 1 | $101,000 | $101,000 | $101,000 | $51,000 | $51,000 |
| 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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