Henry County, KY Mortgage Lenders & HMDA Data, 2011

In 2011, lenders reported 700 mortgage applications in Henry County, KY totaling $81.2 million, down 11% from 2010. The average application was for $116,000, and applicants reported an average income of $58,000. 43% of applications resulted in an originated loan and 24% were denied. The most active lender was Wells Fargo Bank NA, with 60 applications, followed by JPMorgan Chase Bank, NA and United Citizens Bank & Trust Company.

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Total Number of Mortgage Applications 700
Total Mortgage Loan Application Amount $81,249,000
Average Mortgage Loan Application Amount $116,000
Highest Mortgage Loan Application Amount $745,000
Average Applicant Income $58,000
Highest Applicant Income $405,000

Mortgage Company List for Lending in Henry County, KY for 2011

* 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
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,104,833,000,000 60 $ 8,305,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,791,060,000,000 46 $ 5,760,000
United Citizens Bank & Trust Company
P O BOX 250
CAMPBELLSBURG, KY 40011
* $ 84,830,000 36 $ 1,756,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,454,050,584,000 35 $ 4,125,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 254,825,730,000 26 $ 2,153,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 24 $ 2,752,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 108,971,662,000 22 $ 2,609,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 19 $ 2,896,000
Bedford Loan & Deposit Bank
P.O. BOX 276 45 HWY 42 E
BEDFORD, KY 40006
* $ 83,545,000 19 $ 2,005,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 18 $ 1,252,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 153,341,765,000 18 $ 2,277,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 108,668,289,000 17 $ 1,278,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,719,502,000 17 $ 1,227,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 310,099,589,000 16 $ 1,878,000
Farmers Deposit Bank
5230 S MAIN STREET
EMINENCE, KY 40019
* $ 61,434,000 15 $ 304,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,955,059,000 14 $ 1,754,000
Farmers Bank of Milton
41 FERRY ST.
MILTON, KY 40045
* $ 173,288,000 13 $ 1,566,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 1,319,293,000 11 $ 1,563,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 11 $ 1,291,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 10 $ 541,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 10 $ 1,658,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 628,498,000 10 $ 756,000
Metlife Bank, N.A.
1555 WEST WALNUT HILL LANE, STE. 200
IRVING, TX 75038
* $ 16,490,790,000 9 $ 1,250,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 8 $ 779,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 8 $ 1,196,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 818,355,000 7 $ 620,000
The Bank-Oldham County, Inc.
PO BOX 500
LAGRANGE, KY 40031
* $ 145,025,000 7 $ 792,000
Carolina Bank
PO BOX 10209
GREENSBORO, NC 27404
* $ 676,387,000 7 $ 1,166,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 880,217,000 6 $ 687,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 931,141,000 6 $ 722,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 6 $ 657,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 48,783,813,000 6 $ 707,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,856,646,000,000 6 $ 434,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 12,522,585,000 6 $ 1,211,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 77,423,723,000 5 $ 536,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 5 $ 567,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 5 $ 503,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 3,524,028,000 5 $ 674,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 464,723,000 5 $ 508,000
First Farmers Bank & Trust Co.
127 NORTH THOMAS ST./PO BOX 188
OWENTON, KY 40359
* $ 116,579,000 4 $ 569,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,285,622,000 4 $ 852,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 4 $ 433,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 836,000
Allquest Home Mortgage Corpora
6110 PINEMONT DR, STE 220
HOUSTON, TX 77092
* $ 10,000,000 4 $ 496,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 4 $ 446,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 162,509,568,000 4 $ 507,000
Gmac Mortgage, LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 4 $ 392,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 1,312,000,000 3 $ 924,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,216,291,000,000 3 $ 484,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 461,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 3 $ 617,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 345,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 2 $ 175,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 184,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 2 $ 283,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 2 $ 205,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,796,328,000 2 $ 400,000
River Valley Financial Bank
430 CLIFTY DR
MADISON, IN 47250
* $ 386,385,000 2 $ 233,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,469,196,000 2 $ 278,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 213,864,000 2 $ 463,000
First Capital Bank of Kentucky
293 NORTH HUBBARDS LANE
LOUISVILLE, KY 40207
* $ 435,240,000 2 $ 182,000
Mainsource Bank
2105 N STATE RD 3 BYPASS
GREENSBURG, IN 47240
* $ 2,753,046,000 2 $ 96,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 661,119,000 2 $ 372,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 2 $ 371,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 1 $ 123,000
Class Act Federal Credit Union
3620 FERN VALLEY RD
LOUISVILLE, KY 40219
* $ 142,951,000 1 $ 175,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 416,689,000 1 $ 54,000
First Choice Bank
669 WHITEHEAD ROAD
LAWRENCEVILLE, NJ 08648
* $ 448,171,000 1 $ 180,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 283,342,000 1 $ 65,000
American Airlines Federal Cred
4151 AMON CARTER BLVD
FORT WORTH, TX 76155
* $ 5,192,808,000 1 $ 200,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 902,312,000 1 $ 290,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 471,002,000 1 $ 125,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 83,000
One Reverse Mortgage, LLC
4445 EASTGATE MALL, SUITE 320
SAN DIEGO, CA 92121
* $ 39,000,000 1 $ 71,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 1 $ 88,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 1,891,557,000 1 $ 4,000
The Peoples Bank
23 WEST MAIN ST
TAYLORSVILLE, KY 40071
* $ 104,053,000 1 $ 46,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 130,979,000 1 $ 68,000
Grant County Deposit Bank
106 NORTH MAIN P.O. BOX 399
WILLIAMSTOWN, KY 41097
* $ 90,881,000 1 $ 25,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,761,005,000 1 $ 129,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 199,980,000 1 $ 140,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,587,678,000 1 $ 2,000
Fidelity Bank
100 E ENGLISH
WICHITA, KS 67202
* $ 1,640,565,000 1 $ 49,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 10,788,420,000 1 $ 28,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 3,162,456,000 1 $ 192,000
Onemain Financial, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 0 1 $ 75,000
M&I Bank FSB
W57N14280 DOERR WAY
CEDARBURG, WI 53012
* $ 1,311,970,000 1 $ 211,000
Farmers Bank and Trust NA
1017 HARRISON
GREAT BEND, KS 67530
* $ 665,875,000 1 $ 340,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 830,474,000 1 $ 202,000
South Central Bank, National Association
525 W ROOSEVELT RD
CHICAGO, IL 60607
* $ 241,311,000 1 $ 20,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 359,000
Ing Bank, FSB
1 SOUTH ORANGE STREET
WILMINGTON, DE 19801
* $ 91,413,704,000 1 $ 38,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 44,423,207,000 1 $ 20,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 211,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 344,000
Integra Bank
PO BOX 868
EVANSVILLE, IN 47705
* $ 2,416,159,000 1 $ 188,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 82,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD, SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 121,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 1 $ 359,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 1 $ 88,000
Inlanta Mortgage, Inc.
W239 N3490 PEWAUKEE ROAD, STE.200
PEWAUKEE, WI 53072
* $ 39,000,000 1 $ 187,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 1 $ 216,000
Myers Park Mortgage
141 PROVIDENCE RD
CHARLOTTE, NC 28207
* $ 10,000,000 1 $ 213,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 86,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 1 $ 147,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ 10,000,000 1 $ 195,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 1 $ 147,000

The tables below break down 2011 mortgage applications in Henry 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 Henry County, KY in 2011

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 429 $55,709,000 $129,000 $477,000 $60,000 $405,000
Home Purchase 223 $23,241,000 $104,000 $745,000 $52,000 $335,000
Home Improvement 48 $2,299,000 $47,000 $302,000 $67,000 $184,000

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 563 $64,568,000 $114,000 $745,000 $62,000 $405,000
Not Provided 65 $8,020,000 $123,000 $340,000 $57,000 $350,000
Not applicable 50 $6,391,000 $127,000 $359,000 $12,000 $142,000
Black or African American 12 $1,294,000 $107,000 $404,000 $39,000 $119,000
American Indian or Alaskan Native 5 $596,000 $119,000 $174,000 $118,000 $335,000
Asian 3 $179,000 $59,000 $85,000 $42,000 $82,000
Hispanic 2 $201,000 $100,000 $136,000 $39,000 $48,000
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) 476 $52,291,000 $109,000 $745,000 $64,000 $405,000
FHA-insured (Federal Housing Administration) 157 $19,238,000 $122,000 $282,000 $44,000 $180,000
VA-guaranteed (Veterans Administration) 37 $6,456,000 $174,000 $341,000 $54,000 $169,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 30 $3,264,000 $108,000 $202,000 $39,000 $74,000

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 300 $33,198,000 $110,000 $477,000 $65,000 $405,000
Application Denied By Financial Institution 171 $19,031,000 $111,000 $745,000 $55,000 $353,000
Loan Purchased By The Institution 97 $12,922,000 $133,000 $359,000 $36,000 $127,000
Application Withdrawn By Applicant 80 $10,542,000 $131,000 $340,000 $62,000 $212,000
Application Approved But Not Accepted 39 $3,456,000 $88,000 $316,000 $53,000 $267,000
File Closed For Incompleteness 13 $2,100,000 $161,000 $404,000 $82,000 $132,000
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
Collateral 42 $5,728,000 $136,000 $745,000 $65,000 $225,000
Credit History 33 $3,530,000 $106,000 $215,000 $54,000 $156,000
Debt-To-Income Ratio 16 $1,472,000 $92,000 $257,000 $41,000 $107,000
Credit Application Incomplete 10 $1,330,000 $133,000 $261,000 $60,000 $130,000
Other 6 $639,000 $106,000 $180,000 $54,000 $157,000
Insufficient Cash (Downpayment, Closing Cost) 2 $60,000 $30,000 $35,000 $86,000 $101,000
Unverifiable Information 1 $153,000 $153,000 $153,000 $35,000 $35,000
Employment History 1 $122,000 $122,000 $122,000 $32,000 $32,000
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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