Johnson County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 675 mortgage applications in Johnson County, KY totaling $73.9 million, down 19% from 2009. The average application was for $109,000, and applicants reported an average income of $64,000. 45% of applications resulted in an originated loan and 23% were denied. The most active lender was Citizens Nb of Paintsville, with 101 applications, followed by City National Bank of Wv and Bank of America, N.A..
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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 | 675 |
| Total Mortgage Loan Application Amount | $73,912,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $1,550,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $669,000 |
* 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 |
|---|---|---|---|---|
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 581,565,000 | 101 | $ 12,345,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 2,601,971,000 | 99 | $ 7,965,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 55 | $ 7,288,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,072,308,000 | 47 | $ 3,296,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 40 | $ 6,450,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 33 | $ 2,811,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 30 | $ 4,215,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 29 | $ 1,418,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 28 | $ 2,902,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 22 | $ 3,664,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 19 | $ 2,402,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 15 | $ 1,192,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 11 | $ 1,226,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 744,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 7 | $ 1,161,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 7 | $ 1,116,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 6 | $ 581,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 590,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 6 | $ 662,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 881,251,000 | 5 | $ 511,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 5 | $ 222,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 4 | $ 240,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 656,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 617,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 326,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 3 | $ 354,000 |
| First Priority Federal Credit Union 9408 VIRGINIA AVE HUNTINGTON, WV 25701 |
* | $ 49,694,000 | 3 | $ 240,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 282,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 142,810,000 | 2 | $ 334,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 291,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 202,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 151,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 2 | $ 91,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 2 | $ 158,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 2 | $ 119,000 |
| Republic State Mortgage Co. 2715 BISSONNET, SUITE 102 HOUSTON, TX 77005 |
* | $ 10,000,000 | 2 | $ 447,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 207,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 332,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 200,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 1 | $ 165,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 190,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 270,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 195,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Meridias Capital Incorporated P.O. BOX 241429 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 1 | $ 164,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 1 | $ 126,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 1 | $ 102,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 188,000 |
| Superior Choice Credit Union 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 170,688,000 | 1 | $ 35,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 276,000 |
| Member Home Loan LLC 9601 JONES RD SUITE 108 HOUSTON, TX 77065 |
* | $ 589,064,000 | 1 | $ 25,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 75,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 240,259,000 | 1 | $ 276,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 731,347,000 | 1 | $ 10,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 1 | $ 5,000 |
| Old Second National Bank 37 SOUTH RIVER STREET AURORA, IL 60506 |
* | $ 2,548,251,000 | 1 | $ 240,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,396,195,000 | 1 | $ 122,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 1 | $ 70,000 |
| Financial Freedom Acquisition 1 BANTING IRVINE, CA 92618 |
* | $ 36,000,000,000 | 1 | $ 112,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 11,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 73,000 |
| First Bank Richmond, NA P.O. BOX 937 RICHMOND, IN 47375 |
* | $ 635,380,000 | 1 | $ 36,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 260,000 |
| Home Federal 1500 CARTER AVENUE ASHLAND, KY 41101 |
* | $ 272,253,000 | 1 | $ 65,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 675,939,000 | 1 | $ 60,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 125,649,000 | 1 | $ 132,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 112,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 219,708,000 | 1 | $ 164,000 |
| Gateway Business Bank 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 216,229,000 | 1 | $ 154,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 64,958,000 | 1 | $ 1,000 |
The tables below break down 2010 mortgage applications in Johnson 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 Johnson County, KY in 2010
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 | 353 | $44,675,000 | $126,000 | $547,000 | $66,000 | $379,000 |
| Home Purchase | 229 | $25,365,000 | $110,000 | $1,550,000 | $59,000 | $625,000 |
| Home Improvement | 93 | $3,872,000 | $41,000 | $274,000 | $66,000 | $669,000 |
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 | 606 | $63,981,000 | $105,000 | $547,000 | $66,000 | $669,000 |
| Not Provided | 39 | $5,406,000 | $138,000 | $405,000 | $57,000 | $219,000 |
| Not applicable | 19 | $3,462,000 | $182,000 | $1,550,000 | $10,000 | $130,000 |
| Asian | 4 | $613,000 | $153,000 | $207,000 | $130,000 | $225,000 |
| Hispanic | 4 | $194,000 | $48,000 | $60,000 | $20,000 | $27,000 |
| American Indian or Alaskan Native | 3 | $256,000 | $85,000 | $120,000 | $43,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 488 | $49,415,000 | $101,000 | $1,550,000 | $70,000 | $669,000 |
| FHA-insured (Federal Housing Administration) | 149 | $19,486,000 | $130,000 | $280,000 | $50,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $3,094,000 | $128,000 | $191,000 | $43,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 14 | $1,917,000 | $136,000 | $202,000 | $31,000 | $93,000 |
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 | 307 | $33,674,000 | $109,000 | $1,550,000 | $74,000 | $669,000 |
| Application Denied By Financial Institution | 155 | $13,885,000 | $89,000 | $547,000 | $50,000 | $285,000 |
| Loan Purchased By The Institution | 104 | $14,171,000 | $136,000 | $385,000 | $53,000 | $232,000 |
| Application Withdrawn By Applicant | 55 | $6,456,000 | $117,000 | $293,000 | $64,000 | $379,000 |
| Application Approved But Not Accepted | 38 | $3,652,000 | $96,000 | $340,000 | $73,000 | $226,000 |
| File Closed For Incompleteness | 16 | $2,074,000 | $129,000 | $280,000 | $65,000 | $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 | 67 | $4,061,000 | $60,000 | $275,000 | $42,000 | $144,000 |
| Debt-To-Income Ratio | 20 | $1,917,000 | $95,000 | $315,000 | $41,000 | $255,000 |
| Collateral | 17 | $2,752,000 | $161,000 | $547,000 | $82,000 | $285,000 |
| Other | 9 | $673,000 | $74,000 | $248,000 | $61,000 | $124,000 |
| Employment History | 4 | $588,000 | $147,000 | $270,000 | $65,000 | $88,000 |
| Unverifiable Information | 3 | $323,000 | $107,000 | $138,000 | $60,000 | $61,000 |
| Credit Application Incomplete | 1 | $190,000 | $190,000 | $190,000 | $98,000 | $98,000 |
| 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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