Hart County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 750 mortgage applications in Hart County, KY totaling $114.8 million, up 8% from 2023. The average application was for $153,000, and applicants reported an average income of $94,000. 62% of applications resulted in an originated loan and 18% were denied. The most active lender was The Cecilian Bank, with 106 applications, followed by German American Bank 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 | 750 |
| Total Mortgage Loan Application Amount | $114,820,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $795,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $1,180,000 |
* 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 | 106 | $ 13,780,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ n/a | 72 | $ 7,270,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 48 | $ 5,970,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ n/a | 45 | $ 4,985,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 40 | $ 4,130,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 23 | $ 4,275,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ n/a | 21 | $ 3,425,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ n/a | 18 | $ 3,130,000 |
| The Lincoln National Bank of Hodgenville P.O. BOX 9, 41 LINCOLN SQUARE HODGENVILLE, KY 42748 |
* | $ n/a | 18 | $ 3,330,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 17 | $ 3,825,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 16 | $ 3,590,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 16 | $ 4,330,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 14 | $ 3,430,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 14 | $ 3,380,000 |
| West Point Bank P.O. 440 RADCLIFF, KY 40160 |
* | $ n/a | 13 | $ 1,785,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 13 | $ 2,055,000 |
| Bank of Buffalo 2375 LINCOLN FARM RD HODGENVILLE, KY 42748 |
* | $ n/a | 12 | $ 2,120,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 10 | $ 1,480,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 9 | $ 1,855,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 9 | $ 2,475,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 9 | $ 1,385,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ n/a | 9 | $ 2,275,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 8 | $ 1,050,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 7 | $ 1,975,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 7 | $ 785,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 7 | $ 1,385,000 |
| Bank of Edmonson County PO BOX 99 BROWNSVILLE, KY 42210 |
* | $ n/a | 6 | $ 880,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 550,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 5 | $ 945,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 855,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 5 | $ 735,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 5 | $ 915,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 4 | $ 690,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 4 | $ 710,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 780,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 650,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 4 | $ 790,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 4 | $ 430,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 4 | $ 750,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 4 | $ 420,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 545,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 335,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 125,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 385,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 395,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 795,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 2 | $ 450,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 220,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ n/a | 2 | $ 270,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 2 | $ 200,000 |
| Ross Mortgage Corporation 2075 W. BIG BEAVER, SUITE 700 TROY, MI 48084 |
* | $ n/a | 2 | $ 490,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 380,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ n/a | 2 | $ 270,000 |
| Premier Lending Inc. CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 230,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 2 | $ 510,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 2 | $ 360,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 190,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 70,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 480,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 2 | $ 170,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 115,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ n/a | 1 | $ 25,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 55,000 |
| Mm Lending, LLC 4165 WESTPORT RD SUITE 204 LOUISVILLE, KY 40222 |
* | $ n/a | 1 | $ 115,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 85,000 |
| Loanfront, LLC RED BANK, NJ 07701 |
* | $ n/a | 1 | $ 85,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 75,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ n/a | 1 | $ 95,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 235,000 |
| The Farmers Bank P. O. BOX 10, 120 VILLAGE DRIVE PORTLAND, TN 37148 |
* | $ n/a | 1 | $ 125,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ n/a | 1 | $ 115,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ n/a | 1 | $ 405,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 45,000 |
| Service One Credit Union P.O. BOX 51770 BOWLING GREEN, KY 42102 |
* | $ n/a | 1 | $ 35,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 175,000 |
| First Alliance Home Mortgage, LLC 20 JACKSON DRIVE 2ND FLOOR CRANFORD, NJ 07016 |
* | $ n/a | 1 | $ 85,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ n/a | 1 | $ 145,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ n/a | 1 | $ 165,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ n/a | 1 | $ 195,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 185,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 15,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ n/a | 1 | $ 205,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 105,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 35,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 125,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 425,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 1 | $ 205,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 335,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 1 | $ 195,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 155,000 |
| Paramount Bank 90 VILLAGE SQUARE SHOPPING CENTER HAZELWOOD, MO 63042 |
* | $ n/a | 1 | $ 235,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 245,000 |
The tables below break down 2024 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 2024
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 | 366 | $65,680,000 | $179,000 | $795,000 | $96,000 | $1,180,000 |
| Cash-out Refinancing | 126 | $21,450,000 | $170,000 | $525,000 | $88,000 | $330,000 |
| Refinancing | 113 | $18,875,000 | $167,000 | $555,000 | $103,000 | $942,000 |
| Home Improvement | 73 | $4,535,000 | $62,000 | $205,000 | $88,000 | $698,000 |
| Other Purpose | 71 | $4,165,000 | $58,000 | $365,000 | $91,000 | $251,000 |
| Not Applicable | 1 | $115,000 | $115,000 | $115,000 | $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 | 625 | $94,235,000 | $150,000 | $795,000 | $95,000 | $1,180,000 |
| Not applicable | 55 | $10,225,000 | $185,000 | $535,000 | $0 | $0 |
| Not Provided | 41 | $7,225,000 | $176,000 | $385,000 | $102,000 | $452,000 |
| Black or African American | 18 | $1,800,000 | $100,000 | $295,000 | $65,000 | $148,000 |
| Hispanic | 8 | $830,000 | $103,000 | $235,000 | $82,000 | $128,000 |
| Asian | 2 | $330,000 | $165,000 | $205,000 | $59,000 | $70,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $36,000 | $36,000 |
| 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) | 548 | $72,780,000 | $132,000 | $755,000 | $98,000 | $1,180,000 |
| FHA-insured (Federal Housing Administration) | 107 | $19,845,000 | $185,000 | $405,000 | $72,000 | $159,000 |
| VA-guaranteed (Veterans Administration) | 71 | $18,435,000 | $259,000 | $795,000 | $93,000 | $298,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $3,760,000 | $156,000 | $235,000 | $73,000 | $103,000 |
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 | 462 | $69,200,000 | $149,000 | $795,000 | $102,000 | $1,180,000 |
| Application Denied By Financial Institution | 133 | $18,925,000 | $142,000 | $755,000 | $77,000 | $300,000 |
| Application Withdrawn By Applicant | 67 | $11,675,000 | $174,000 | $455,000 | $83,000 | $489,000 |
| Loan Purchased By The Institution | 43 | $8,925,000 | $207,000 | $535,000 | $0 | $0 |
| File Closed For Incompleteness | 28 | $3,760,000 | $134,000 | $355,000 | $60,000 | $168,000 |
| Application Approved But Not Accepted | 17 | $2,335,000 | $137,000 | $295,000 | $109,000 | $452,000 |
| 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 | 598 | $93,110,000 | $155,000 | $795,000 | $98,000 | $1,180,000 |
| Credit History | 54 | $6,060,000 | $112,000 | $365,000 | $85,000 | $186,000 |
| Debt-To-Income Ratio | 46 | $7,960,000 | $173,000 | $755,000 | $81,000 | $245,000 |
| Credit Application Incomplete | 16 | $1,810,000 | $113,000 | $295,000 | $53,000 | $251,000 |
| Collateral | 14 | $2,280,000 | $162,000 | $555,000 | $86,000 | $239,000 |
| Unverifiable Information | 11 | $1,335,000 | $121,000 | $185,000 | $67,000 | $136,000 |
| Other | 7 | $815,000 | $116,000 | $195,000 | $61,000 | $73,000 |
| Employment History | 2 | $950,000 | $475,000 | $525,000 | $150,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $500,000 | $250,000 | $285,000 | $57,000 | $57,000 |
| 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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