Hickman County, KY Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 66 mortgage applications in Hickman County, KY totaling $6.0 million, up 32% from 2015. The average application was for $91,000, and applicants reported an average income of $54,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was The First State Bank, with 11 applications, followed by US Bank, N.A. and Heritage Bank USA, 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 | 66 |
| Total Mortgage Loan Application Amount | $6,018,000 |
| Average Mortgage Loan Application Amount | $91,000 |
| Highest Mortgage Loan Application Amount | $270,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $148,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 234,265,000 | 11 | $ 1,016,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 6 | $ 453,000 |
| Heritage Bank USA, Inc. 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 900,590,000 | 4 | $ 283,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 3 | $ 281,000 |
| Fnb Bank Inc 101 E BROADWAY MAYFIELD, KY 42066 |
* | $ 434,519,000 | 3 | $ 224,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 343,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 305,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 260,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ 300,098,000 | 2 | $ 393,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 130,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 2 | $ 29,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 2 | $ 123,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 112,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 347,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 60,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 1 | $ 127,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 175,000 |
| Bbmc Mortgage, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 241,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 57,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 50,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 15,843,566,000 | 1 | $ 68,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 1 | $ 114,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 1 | $ 74,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 30,000 |
The tables below break down 2016 mortgage applications in Hickman 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 Hickman County, KY in 2016
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 | 37 | $3,082,000 | $83,000 | $175,000 | $45,000 | $124,000 |
| Refinancing | 21 | $2,305,000 | $109,000 | $250,000 | $69,000 | $148,000 |
| Home Improvement | 8 | $631,000 | $78,000 | $270,000 | $61,000 | $122,000 |
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 | 46 | $4,250,000 | $92,000 | $270,000 | $58,000 | $148,000 |
| Not applicable | 11 | $1,133,000 | $103,000 | $175,000 | $42,000 | $104,000 |
| Not Provided | 5 | $329,000 | $65,000 | $99,000 | $35,000 | $79,000 |
| Black or African American | 3 | $209,000 | $69,000 | $82,000 | $67,000 | $124,000 |
| American Indian or Alaskan Native | 1 | $97,000 | $97,000 | $97,000 | $62,000 | $62,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 35 | $2,910,000 | $83,000 | $270,000 | $64,000 | $148,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,185,000 | $91,000 | $241,000 | $47,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,542,000 | $128,000 | $250,000 | $49,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $381,000 | $63,000 | $85,000 | $24,000 | $40,000 |
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 | 32 | $2,754,000 | $86,000 | $270,000 | $58,000 | $148,000 |
| Application Denied By Financial Institution | 17 | $1,566,000 | $92,000 | $241,000 | $56,000 | $126,000 |
| Loan Purchased By The Institution | 12 | $1,183,000 | $98,000 | $175,000 | $40,000 | $104,000 |
| Application Withdrawn By Applicant | 2 | $175,000 | $87,000 | $110,000 | $55,000 | $65,000 |
| File Closed For Incompleteness | 2 | $309,000 | $154,000 | $250,000 | $82,000 | $122,000 |
| Application Approved But Not Accepted | 1 | $31,000 | $31,000 | $31,000 | $30,000 | $30,000 |
| 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 | 3 | $273,000 | $91,000 | $130,000 | $42,000 | $55,000 |
| Credit History | 2 | $209,000 | $104,000 | $127,000 | $36,000 | $38,000 |
| Debt-To-Income Ratio | 1 | $30,000 | $30,000 | $30,000 | $106,000 | $106,000 |
| Credit Application Incomplete | 1 | $63,000 | $63,000 | $63,000 | $40,000 | $40,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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