Hart County, KY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 845 mortgage applications in Hart County, KY totaling $127.9 million, up 13% from 2024. The average application was for $151,000, and applicants reported an average income of $84,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was The Cecilian Bank, with 124 applications, followed by German American Bank and Peoples Bank.
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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 | 845 |
| Total Mortgage Loan Application Amount | $127,915,000 |
| Average Mortgage Loan Application Amount | $151,000 |
| Highest Mortgage Loan Application Amount | $785,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $580,000 |
* 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 |
|---|---|---|---|---|
| The Cecilian Bank 104 EAST MAIN STREET CECILIA, KY 42724 |
* | $ n/a | 124 | $ 17,280,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ n/a | 71 | $ 6,615,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 54 | $ 5,580,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 52 | $ 6,660,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ n/a | 43 | $ 5,085,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 36 | $ 9,180,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 29 | $ 5,445,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ n/a | 28 | $ 4,500,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ n/a | 24 | $ 3,970,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 18 | $ 2,980,000 |
| The Lincoln National Bank of Hodgenville P.O. BOX 9, 41 LINCOLN SQUARE HODGENVILLE, KY 42748 |
* | $ n/a | 17 | $ 2,935,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 15 | $ 3,905,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 14 | $ 2,950,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 13 | $ 2,995,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 12 | $ 2,160,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 10 | $ 2,020,000 |
| West Point Bank P.O. 440 RADCLIFF, KY 40160 |
* | $ n/a | 10 | $ 1,030,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 10 | $ 1,950,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 10 | $ 1,240,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 9 | $ 1,635,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 9 | $ 995,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 9 | $ 2,035,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 9 | $ 1,545,000 |
| Bank of Buffalo 2375 LINCOLN FARM RD HODGENVILLE, KY 42748 |
* | $ n/a | 8 | $ 790,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 8 | $ 960,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 7 | $ 2,075,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 765,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 1,070,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 6 | $ 670,000 |
| Premier Lending Inc. CHARLOTTE, NC 28277 |
* | $ n/a | 6 | $ 830,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 6 | $ 690,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 6 | $ 610,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 5 | $ 445,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 1,025,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 5 | $ 625,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 4 | $ 150,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ n/a | 4 | $ 760,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 4 | $ 420,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 430,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 4 | $ 490,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 370,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ n/a | 4 | $ 700,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 4 | $ 470,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 890,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 615,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 3 | $ 435,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 3 | $ 595,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 3 | $ 535,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 1,125,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 3 | $ 575,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 405,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ n/a | 3 | $ 165,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 3 | $ 335,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ n/a | 2 | $ 260,000 |
| Franklin Bank & Trust Company P.O. BOX 449 FRANKLIN, KY 42134 |
* | $ n/a | 2 | $ 220,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 160,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 240,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 2 | $ 390,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 260,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 2 | $ 700,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 2 | $ 60,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ n/a | 2 | $ 330,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 160,000 |
| Bank of Edmonson County PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ n/a | 2 | $ 350,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ n/a | 2 | $ 200,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 105,000 |
| Mm Lending, LLC 4165 WESTPORT RD SUITE 204 LOUISVILLE, KY 40222 |
* | $ n/a | 1 | $ 115,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 175,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 1 | $ 115,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ n/a | 1 | $ 115,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 265,000 |
| Indiana Members Credit Union 4790 E. 96TH STREET, SUITE 120 INDIANAPOLIS, IN 46240 |
* | $ n/a | 1 | $ 75,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 145,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ n/a | 1 | $ 95,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 1 | $ 235,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 145,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 75,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 185,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 65,000 |
| Farmers Bank and Trust Company 201 SOUTH MAIN STREET MARION, KY 42064 |
* | $ n/a | 1 | $ 255,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 155,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 1 | $ 175,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 195,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 1 | $ 75,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 175,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 245,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 105,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 1 | $ 235,000 |
| Andrew Johnson Bank 124 N MAIN STREET GREENEVILLE, TN 37744 |
* | $ n/a | 1 | $ 245,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 145,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 205,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 1 | $ 285,000 |
| Victory Mortgage, LLC 3940 OLYMPIC BLVD SUITE 110 ERLANGER, KY 41018 |
* | $ n/a | 1 | $ 365,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 195,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 205,000 |
| DHI Mortgage Company, Ltd. 10700 PECAN PARK BLVD, SUITE 450 AUSTIN, TX 78750 |
* | $ n/a | 1 | $ 185,000 |
| Wilson Bank and Trust 623 WEST MAIN STREET LEBANON, TN 37087 |
* | $ n/a | 1 | $ 175,000 |
The tables below break down 2025 mortgage applications in Hart 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 Hart County, KY in 2025
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 | 391 | $69,005,000 | $176,000 | $785,000 | $83,000 | $580,000 |
| Cash-out Refinancing | 139 | $21,685,000 | $156,000 | $655,000 | $81,000 | $346,000 |
| Refinancing | 131 | $24,785,000 | $189,000 | $605,000 | $90,000 | $302,000 |
| Other Purpose | 97 | $6,265,000 | $64,000 | $285,000 | $82,000 | $235,000 |
| Home Improvement | 85 | $6,055,000 | $71,000 | $265,000 | $85,000 | $473,000 |
| Not Applicable | 2 | $120,000 | $60,000 | $115,000 | $118,000 | $118,000 |
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 | 708 | $104,170,000 | $147,000 | $785,000 | $83,000 | $580,000 |
| Not Provided | 53 | $9,635,000 | $181,000 | $655,000 | $100,000 | $447,000 |
| Not applicable | 50 | $8,510,000 | $170,000 | $365,000 | $89,000 | $118,000 |
| Hispanic | 14 | $2,490,000 | $177,000 | $525,000 | $93,000 | $251,000 |
| Black or African American | 13 | $1,905,000 | $146,000 | $305,000 | $57,000 | $140,000 |
| American Indian or Alaskan Native | 5 | $585,000 | $117,000 | $175,000 | $41,000 | $67,000 |
| Asian | 1 | $435,000 | $435,000 | $435,000 | $253,000 | $253,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $56,000 | $56,000 |
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) | 638 | $85,720,000 | $134,000 | $625,000 | $87,000 | $580,000 |
| FHA-insured (Federal Housing Administration) | 117 | $20,905,000 | $178,000 | $445,000 | $64,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 57 | $15,885,000 | $278,000 | $785,000 | $98,000 | $242,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $5,405,000 | $163,000 | $225,000 | $63,000 | $104,000 |
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 | 494 | $74,450,000 | $150,000 | $655,000 | $90,000 | $580,000 |
| Application Denied By Financial Institution | 146 | $17,920,000 | $122,000 | $525,000 | $72,000 | $251,000 |
| Application Withdrawn By Applicant | 87 | $16,325,000 | $187,000 | $625,000 | $81,000 | $242,000 |
| File Closed For Incompleteness | 44 | $6,800,000 | $154,000 | $785,000 | $77,000 | $235,000 |
| Loan Purchased By The Institution | 44 | $7,680,000 | $174,000 | $365,000 | $77,000 | $119,000 |
| Application Approved But Not Accepted | 27 | $4,285,000 | $158,000 | $565,000 | $70,000 | $239,000 |
| Preapproval Approved but not Accepted | 2 | $380,000 | $190,000 | $365,000 | $66,000 | $80,000 |
| Preapproval Denied by Financial Institution | 1 | $75,000 | $75,000 | $75,000 | $52,000 | $52,000 |
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 | 665 | $104,555,000 | $157,000 | $785,000 | $85,000 | $580,000 |
| Debt-To-Income Ratio | 76 | $10,590,000 | $139,000 | $465,000 | $74,000 | $447,000 |
| Credit History | 59 | $6,675,000 | $113,000 | $385,000 | $78,000 | $240,000 |
| Collateral | 14 | $1,720,000 | $122,000 | $345,000 | $92,000 | $143,000 |
| Unverifiable Information | 12 | $1,520,000 | $126,000 | $315,000 | $90,000 | $208,000 |
| Credit Application Incomplete | 11 | $1,415,000 | $128,000 | $295,000 | $84,000 | $188,000 |
| Other | 6 | $1,120,000 | $186,000 | $525,000 | $95,000 | $251,000 |
| Employment History | 2 | $320,000 | $160,000 | $245,000 | $26,000 | $52,000 |
| 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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