Hickman County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 101 mortgage applications in Hickman County, KY totaling $11.6 million, up 19% from 2023. The average application was for $114,000, and applicants reported an average income of $76,000. 54% of applications resulted in an originated loan and 20% were denied. The most active lender was First Community Bank of the Heartland, Inc., with 16 applications, followed by Citizens Deposit 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 | 101 |
| Total Mortgage Loan Application Amount | $11,565,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $455,000 |
| Average Applicant Income | $76,000 |
| Highest Applicant Income | $284,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Community Bank of the Heartland, Inc. 114 E JACKSON ST CLINTON, KY 42031 |
* | $ n/a | 16 | $ 1,990,000 |
| Citizens Deposit Bank 1 WALNUT ST ARLINGTON, KY 42021 |
* | $ n/a | 13 | $ 895,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 8 | $ 920,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ n/a | 5 | $ 365,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 3 | $ 595,000 |
| Fnb Bank Inc 101 E BROADWAY MAYFIELD, KY 42066 |
* | $ n/a | 3 | $ 135,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 345,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 3 | $ 605,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 3 | $ 435,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 480,000 |
| First Kentucky Bank 223 S 6TH ST P.O BOX 367 MAYFIELD, KY 42066 |
* | $ n/a | 2 | $ 220,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 440,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 440,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 2 | $ 170,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 2 | $ 160,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 180,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 265,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 145,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 55,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 75,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 1 | $ 65,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 255,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 25,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 1 | $ 75,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 25,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 75,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 125,000 |
| Security Bank and Trust Company 110 S MAIN ST DYER, TN 38330 |
* | $ n/a | 1 | $ 15,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 85,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 1 | $ 95,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ n/a | 1 | $ 135,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ n/a | 1 | $ 125,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 185,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 255,000 |
| Firsttrust Home Loans 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ n/a | 1 | $ 75,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 1 | $ 55,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 85,000 |
| Leaders Credit Union 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ n/a | 1 | $ 25,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 125,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2024 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 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 | 63 | $8,055,000 | $127,000 | $455,000 | $74,000 | $284,000 |
| Refinancing | 18 | $1,820,000 | $101,000 | $285,000 | $83,000 | $264,000 |
| Cash-out Refinancing | 9 | $1,135,000 | $126,000 | $205,000 | $87,000 | $143,000 |
| Other Purpose | 6 | $310,000 | $51,000 | $95,000 | $60,000 | $81,000 |
| Home Improvement | 5 | $245,000 | $49,000 | $125,000 | $79,000 | $176,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 80 | $9,740,000 | $121,000 | $455,000 | $75,000 | $284,000 |
| Black or African American | 9 | $585,000 | $65,000 | $165,000 | $99,000 | $213,000 |
| Not applicable | 6 | $540,000 | $90,000 | $155,000 | $0 | $0 |
| Not Provided | 4 | $450,000 | $112,000 | $185,000 | $67,000 | $96,000 |
| Hispanic | 2 | $250,000 | $125,000 | $195,000 | $74,000 | $75,000 |
| 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) | 77 | $8,085,000 | $105,000 | $455,000 | $81,000 | $284,000 |
| FHA-insured (Federal Housing Administration) | 15 | $2,085,000 | $139,000 | $385,000 | $63,000 | $164,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,090,000 | $181,000 | $285,000 | $65,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $305,000 | $101,000 | $125,000 | $36,000 | $47,000 |
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 | 55 | $6,355,000 | $115,000 | $455,000 | $81,000 | $284,000 |
| Application Denied By Financial Institution | 20 | $2,510,000 | $125,000 | $385,000 | $80,000 | $264,000 |
| File Closed For Incompleteness | 8 | $940,000 | $117,000 | $265,000 | $61,000 | $128,000 |
| Application Approved But Not Accepted | 7 | $875,000 | $125,000 | $185,000 | $52,000 | $104,000 |
| Application Withdrawn By Applicant | 6 | $390,000 | $65,000 | $125,000 | $73,000 | $143,000 |
| Loan Purchased By The Institution | 5 | $495,000 | $99,000 | $155,000 | $0 | $0 |
| 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 | 52 | $6,210,000 | $119,000 | $285,000 | $67,000 | $143,000 |
| Debt-To-Income Ratio | 37 | $3,335,000 | $90,000 | $455,000 | $81,000 | $284,000 |
| Credit History | 6 | $920,000 | $153,000 | $385,000 | $109,000 | $264,000 |
| Credit Application Incomplete | 3 | $605,000 | $201,000 | $255,000 | $128,000 | $128,000 |
| Other | 2 | $390,000 | $195,000 | $265,000 | $111,000 | $128,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $31,000 | $31,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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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