Hickman County, KY Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 69 mortgage applications in Hickman County, KY totaling $5.8 million, up 5% from 2016. The average application was for $83,000, and applicants reported an average income of $62,000. 52% of applications resulted in an originated loan and 28% were denied. The most active lender was Heritage Bank USA, Inc., with 7 applications, followed by River Valley Agcredit and 21st Mortgage.
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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 | 69 |
| Total Mortgage Loan Application Amount | $5,772,000 |
| Average Mortgage Loan Application Amount | $83,000 |
| Highest Mortgage Loan Application Amount | $256,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $185,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Heritage Bank USA, Inc. 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 889,605,000 | 7 | $ 293,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ -1,000 | 5 | $ 674,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 316,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 4 | $ 321,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 3 | $ 438,000 |
| Fnb Bank Inc 101 E BROADWAY MAYFIELD, KY 42066 |
* | $ 452,041,000 | 3 | $ 95,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 3 | $ 50,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 156,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 256,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 2 | $ 226,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 119,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 141,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 2 | $ 454,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,042,021,000 | 2 | $ 4,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 2 | $ 316,000 |
| First Citizens National Bank NEWARK, OH 43055 |
* | $ 1,598,928,000 | 1 | $ 85,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 96,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 96,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 98,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 54,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 76,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 216,651,000 | 1 | $ 62,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 968,843,000 | 1 | $ 200,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 45,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 110,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 1 | $ 84,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 92,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 200,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 43,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 76,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 1 | $ 51,000 |
The tables below break down 2017 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 2017
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 | $3,540,000 | $95,000 | $234,000 | $56,000 | $149,000 |
| Refinancing | 18 | $1,841,000 | $102,000 | $256,000 | $75,000 | $185,000 |
| Home Improvement | 14 | $391,000 | $27,000 | $98,000 | $61,000 | $113,000 |
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 | 55 | $4,651,000 | $84,000 | $256,000 | $67,000 | $185,000 |
| Not Provided | 7 | $502,000 | $71,000 | $166,000 | $70,000 | $113,000 |
| Not applicable | 4 | $389,000 | $97,000 | $200,000 | $10,000 | $41,000 |
| Black or African American | 2 | $186,000 | $93,000 | $96,000 | $0 | $0 |
| Hispanic | 1 | $44,000 | $44,000 | $44,000 | $56,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 42 | $3,488,000 | $83,000 | $256,000 | $72,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $824,000 | $74,000 | $110,000 | $27,000 | $60,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,023,000 | $102,000 | $234,000 | $70,000 | $149,000 |
| VA-guaranteed (Veterans Administration) | 6 | $437,000 | $72,000 | $92,000 | $47,000 | $80,000 |
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 | 36 | $3,417,000 | $94,000 | $256,000 | $71,000 | $152,000 |
| Application Denied By Financial Institution | 19 | $1,067,000 | $56,000 | $116,000 | $55,000 | $185,000 |
| Loan Purchased By The Institution | 7 | $801,000 | $114,000 | $234,000 | $37,000 | $149,000 |
| Application Approved But Not Accepted | 3 | $190,000 | $63,000 | $110,000 | $33,000 | $46,000 |
| File Closed For Incompleteness | 3 | $237,000 | $79,000 | $111,000 | $58,000 | $75,000 |
| Application Withdrawn By Applicant | 1 | $60,000 | $60,000 | $60,000 | $139,000 | $139,000 |
| 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 | 3 | $256,000 | $85,000 | $116,000 | $108,000 | $185,000 |
| Collateral | 3 | $145,000 | $48,000 | $54,000 | $33,000 | $48,000 |
| Credit Application Incomplete | 2 | $142,000 | $71,000 | $83,000 | $37,000 | $47,000 |
| Debt-To-Income Ratio | 1 | $45,000 | $45,000 | $45,000 | $25,000 | $25,000 |
| Employment History | 1 | $30,000 | $30,000 | $30,000 | $48,000 | $48,000 |
| 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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