In 2004, lenders reported 612 mortgage applications in Jackson County, KY totaling $38.8 million, up 14% from 2003. The average application was for $63,000, and applicants reported an average income of $37,000. 25% of applications resulted in an originated loan and 35% were denied. The most active lender was Vanderbilt Mortgage, with 84 applications, followed by Beneficial and Citifinancial Services, 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 | 612 |
| Total Mortgage Loan Application Amount | $38,767,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $37,000 |
| Highest Applicant Income | $914,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 84 | $ 3,218,000 |
| Beneficial 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 67 | $ 3,904,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 820,103,000,000 | 32 | $ 1,335,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 27 | $ 2,612,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 46,276,022,000 | 27 | $ 1,335,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 23 | $ 1,487,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 20 | $ 887,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 10,538,602,000 | 20 | $ 356,000 |
| Hfc 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 16 | $ 1,184,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 16 | $ 800,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 13 | $ 840,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 12 | $ 525,000 |
| New Century Mortgage Corporati 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 12 | $ 814,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 12 | $ 1,236,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 11 | $ 731,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 11 | $ 1,149,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 10 | $ 730,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 10 | $ 976,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 212,818,000 | 9 | $ 852,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 8 | $ 346,000 |
| Accredited Home Lenders, Inc 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 7 | $ 409,000 |
| American Business Financial 100 PENN SQUARE EAST PHILADELPHIA, PA 19107 |
* | $ 10,000,000 | 7 | $ 501,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 5 | $ 398,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 74,320,522,000 | 5 | $ 243,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 5 | $ 361,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 5 | $ 266,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 411,185,000 | 4 | $ 274,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 4 | $ 225,000 |
| First Greensboro Home Equity 1801 STANLEY RD, STE 400 GREENSBORO, NC 27407 |
* | $ 10,000,000 | 4 | $ 249,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 4 | $ 340,000 |
| Mbna America Delaware, N.A. 200 N COLLEGE ST NC1-004-04-13 CHARLOTTE, NC 28255 |
* | $ 2,032,341,000 | 4 | $ 442,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,463,959,000 | 4 | $ 181,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 4 | $ 409,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 4 | $ 270,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 4 | $ 302,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 3 | $ 176,000 |
| Corinthian Mortgage Corp 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 3 | $ 309,000 |
| New State Mortgage Company 8401 VIRGINIA STREET MERRILLVILE, IN 46410 |
* | $ 10,000,000 | 3 | $ 259,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 598,658,000 | 3 | $ 167,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 3 | $ 302,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 204,688,000 | 3 | $ 3,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 216,000 |
| Wachovia Mortgage Corp 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 3 | $ 301,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 2 | $ 175,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 226,000 |
| Washtenaw Mortgage Company 3767 RANCHERO DRIVE ANN ARBOR, MI 48108 |
* | $ 130,602,000 | 2 | $ 252,000 |
| Right-Away Mortgage, Inc. 10833 VALLEY VIEW STREET SUITE 500 CYPRESS, CA 90630 |
* | $ 10,000,000 | 2 | $ 340,000 |
| Southstar Funding, LLC 400 NORTHRDIGE ROAD, SUITE 1000 ATLANTA, GA 30350 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 223,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 367,047,000 | 2 | $ 187,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 62,020,896,000 | 2 | $ 109,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 2 | $ 200,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 160,000 |
| Novastar Home Mortgage, Inc. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 2 | $ 266,000 |
| Merit Financial, Inc 13905 NE 128TH ST KIRKLAND, WA 98034 |
* | $ 10,000,000 | 2 | $ 251,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 147,720,000 | 2 | $ 146,000 |
| Long Beach Mortgage Co. 227 EAST AVENUE ALBION, NY 14411 |
* | $ 10,000,000 | 2 | $ 146,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 904,406,000 | 2 | $ 75,000 |
| AMC Mortgage Services, Inc. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 2 | $ 296,000 |
| Citizens Guaranty Bank 457 EAST MAIN STREET; PO BOX 767 RICHMOND, KY 40476 |
* | $ 108,286,000 | 2 | $ 66,000 |
| Aames Funding Corporation 15090 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 2 | $ 215,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 2 | $ 64,000 |
| Chase Manhattan Mortgage Corp. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 2 | $ 132,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 617,888,534,000 | 1 | $ 54,000 |
| Central Pacfic Mortgage 950 IRON POINT RD SUITE 200 FOLSOM, CA 95630 |
* | $ 31,000,000 | 1 | $ 108,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 44,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Americas Moneyline 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 59,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 15,000 |
| Citizens Bank 130 S BROAD STREET NEW TAZEWELL, TN 37825 |
* | $ 126,617,000 | 1 | $ 106,000 |
| Decision One Mortgage 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Dollar Mortgage Corporation 7578 EL CAJON BOULEVARD LA MESA, CA 91941 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 45,247,734,000 | 1 | $ 41,000 |
| Fieldstone Mortgage Company 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 1 | $ 36,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 1 | $ 10,000 |
| Meritage Mortgage Corp. 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,155,337,000 | 1 | $ 98,000 |
| Home Equity of America 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 1 | $ 130,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 1 | $ 99,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,800,963,000 | 1 | $ 116,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Franklin Mortgage Funding 25800 NORTHWESTERN HWY SUITE 875 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Gmac Bank 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 1 | $ 69,000 |
| Greenpoint Mortgage Funding 4 COLISEUM CENTRE, 2730 WEST TYVOLA ROAD CHARLOTTE, NC 28217 |
* | $ 6,677,533,000 | 1 | $ 55,000 |
| Rbmg, Inc 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 171,000 |
| Toyota Federal Credit Union 19001 S WESTERN AVENUE, T206 TORRANCE, CA 90501 |
* | $ 184,617,000 | 1 | $ 56,000 |
| Unimortgage LLC 8647 BAYPINE ROAD SUITE 100 JACKSONVILLE, FL 32256 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,690,967,000 | 1 | $ 58,000 |
| US Bancorp,Consumer Finance Ky 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 174,000,000 | 1 | $ 1,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 1 | $ 106,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 233,880,000 | 1 | $ 125,000 |
| Pgnf Home Lending Corp 1431 OPUS PLACE, SUITE 200 DOWNERS GROVE, IL 60515 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Pinnacle Financial Corporation 2611 TECHNOLOGY DRIVE ORLANDO, FL 32804 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Specialty Mortgage Corporation 2901 JUAN TABO NE, STE 100 ALBUQUERQUE, NM 87112 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 576,951,000 | 1 | $ 95,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 1 | $ 120,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 1 | $ 220,000 |
The tables below break down 2004 mortgage applications in Jackson County, KY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 401 | $29,215,000 | $72,000 | $280,000 | $40,000 | $914,000 |
| Home Purchase | 148 | $7,774,000 | $52,000 | $200,000 | $33,000 | $106,000 |
| Home Improvement | 63 | $1,778,000 | $28,000 | $138,000 | $31,000 | $100,000 |
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 | 467 | $29,261,000 | $62,000 | $280,000 | $40,000 | $914,000 |
| Not Provided | 103 | $6,975,000 | $67,000 | $262,000 | $37,000 | $492,000 |
| Not applicable | 29 | $1,811,000 | $62,000 | $220,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $368,000 | $52,000 | $71,000 | $26,000 | $42,000 |
| Hispanic | 4 | $228,000 | $57,000 | $60,000 | $46,000 | $91,000 |
| Black or African American | 2 | $124,000 | $62,000 | $64,000 | $31,000 | $48,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 592 | $37,608,000 | $63,000 | $280,000 | $38,000 | $914,000 |
| FHA-insured (Federal Housing Administration) | 16 | $952,000 | $59,000 | $140,000 | $27,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $182,000 | $60,000 | $66,000 | $21,000 | $29,000 |
| VA-guaranteed (Veterans Administration) | 1 | $25,000 | $25,000 | $25,000 | $20,000 | $20,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 216 | $12,074,000 | $55,000 | $280,000 | $36,000 | $914,000 |
| Loan Originated | 150 | $9,532,000 | $63,000 | $220,000 | $42,000 | $152,000 |
| Application Withdrawn By Applicant | 112 | $8,493,000 | $75,000 | $262,000 | $42,000 | $492,000 |
| Application Approved But Not Accepted | 83 | $4,994,000 | $60,000 | $270,000 | $42,000 | $149,000 |
| Loan Purchased By The Institution | 37 | $2,550,000 | $68,000 | $220,000 | $14,000 | $106,000 |
| File Closed For Incompleteness | 14 | $1,124,000 | $80,000 | $200,000 | $39,000 | $171,000 |
| 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 | 79 | $4,049,000 | $51,000 | $137,000 | $34,000 | $120,000 |
| Other | 38 | $2,536,000 | $66,000 | $280,000 | $50,000 | $540,000 |
| Debt-To-Income Ratio | 20 | $998,000 | $49,000 | $103,000 | $27,000 | $68,000 |
| Collateral | 16 | $1,166,000 | $72,000 | $153,000 | $38,000 | $76,000 |
| Credit Application Incomplete | 7 | $289,000 | $41,000 | $86,000 | $27,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $93,000 | $46,000 | $68,000 | $25,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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