Johnson County, KY Mortgage Lenders & HMDA Data, 2021

In 2021, lenders reported 885 mortgage applications in Johnson County, KY totaling $119.2 million, down 8% from 2020. The average application was for $134,000, and applicants reported an average income of $80,000. 48% of applications resulted in an originated loan and 18% were denied. The most active lender was Community Trust Bank, Inc., with 72 applications, followed by Vanderbilt Mortgage and Finance, Inc and City National Bank of Wv.

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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 885
Total Mortgage Loan Application Amount $119,215,000
Average Mortgage Loan Application Amount $134,000
Highest Mortgage Loan Application Amount $895,000
Average Applicant Income $80,000
Highest Applicant Income $1,121,000

Mortgage Company List for Lending in Johnson County, KY for 2021

* 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
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,344,716,000 72 $ 11,660,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 65 $ 5,365,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 4,956,190,000 53 $ 5,465,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 656,120,000 50 $ 6,200,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 4,351,191,000 39 $ 4,295,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 36 $ 5,110,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 29 $ 4,125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 27 $ 3,785,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 26 $ 3,990,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 25 $ 3,935,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 24 $ 3,170,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 23 $ 2,535,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 21 $ 3,995,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 20 $ 1,800,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 17 $ 2,385,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 16 $ 2,460,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,388,018,000 14 $ 1,420,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 14 $ 2,220,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 1,915,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 13 $ 1,515,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 1,895,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 10 $ 1,700,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,480,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 1,015,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 7 $ 1,205,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,035,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 5 $ 785,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 595,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 5 $ 505,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 895,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 5 $ 1,335,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 5 $ 625,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 5 $ 715,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 5 $ 245,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 5 $ 925,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 4 $ 1,080,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 470,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 4 $ 690,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 4 $ 530,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 4 $ 340,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 4 $ 390,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 4 $ 840,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 978,294,000 4 $ 210,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 4 $ 410,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 3 $ 1,285,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 3 $ 205,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,275,110,000 3 $ 265,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 3 $ 405,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 3 $ 115,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 3 $ 465,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 3 $ 335,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 350,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 570,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 410,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 260,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 2 $ 340,000
Desco Federal Credit Union
401 CHILLICOTHE STREET
PORTSMOUTH, OH 45662
* $ 304,797,000 2 $ 250,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 2 $ 430,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 220,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 105,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 75,000
Hometown Lenders, Inc.
310 THE BRIDGE STREET, 4TH FLOOR SUITE A
HUNTSVILLE, AL 35806
* $ -1,000 1 $ 155,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 85,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 125,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 225,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 145,000
Fed Ex Employees Credit Association
2731 NONCONNAH BLVD
MEMPHIS, TN 38132
* $ 525,924,000 1 $ 215,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ -1,000 1 $ 165,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ 250,630,000 1 $ 115,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 1 $ 155,000
Ross Mortgage Corporation
2075 W. BIG BEAVER, SUITE 700
TROY, MI 48084
* $ -1,000 1 $ 115,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 1 $ 215,000
Eastman Credit Union
P.O. BOX 1989
KINGSPORT, TN 37662
* $ 5,099,588,000 1 $ 45,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 105,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 95,000
Andrews Federal Credit Union
5711 ALLENTOWN ROAD
SUITLAND, MD 20746
* $ 2,060,114,000 1 $ 95,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 531,151,000 1 $ 235,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ -1,000 1 $ 95,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ 841,254,000 1 $ 25,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 309,299,000 1 $ 255,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 125,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 273,530,000 1 $ 185,000
One American Bank
515 S MINNESOTA AVE
SIOUX FALLS, SD 57104
* $ -1,000 1 $ 205,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 185,000
Quontic Bank
31-05 BROADWAY
ASTORIA, NY 11106
* $ 394,658,000 1 $ 105,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 155,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 95,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 1 $ 135,000
Arizona Financial Credit Union
333 N 44TH ST
PHOENIX, AZ 85082
* $ 1,937,883,000 1 $ 95,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 305,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ -1,000 1 $ 185,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
Members Choice Credit Union
145 RUSSELL RD
ASHLAND, KY 41101
* $ 222,302,000 1 $ 65,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 115,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 1 $ 5,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 1 $ 235,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,445,435,000 1 $ 85,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 1 $ 85,000
Lendsure Mortgage Corp.
16959 BERNARDO CENTER DR, #102
SAN DIEGO, CA 92128
* $ -1,000 1 $ 405,000
Sofi Lending Corp.
375 HEALDSBURG AVENUE, SUITE 280
SACRAMENTO, CA 95448
* $ -1,000 1 $ 155,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 416,824,000 1 $ 115,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 55,000

The tables below break down 2021 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 2021

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 440 $60,040,000 $136,000 $895,000 $68,000 $402,000
Refinancing 273 $39,985,000 $146,000 $615,000 $95,000 $1,121,000
Cash-out Refinancing 98 $14,260,000 $145,000 $535,000 $84,000 $476,000
Home Improvement 38 $1,970,000 $51,000 $165,000 $89,000 $225,000
Other Purpose 32 $2,560,000 $80,000 $255,000 $98,000 $724,000
Not Applicable 4 $400,000 $100,000 $125,000 $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 720 $95,370,000 $132,000 $895,000 $78,000 $1,121,000
Not Provided 80 $10,830,000 $135,000 $405,000 $94,000 $845,000
Not applicable 72 $10,700,000 $148,000 $435,000 $73,000 $115,000
American Indian or Alaskan Native 4 $500,000 $125,000 $255,000 $53,000 $59,000
Hispanic 4 $620,000 $155,000 $305,000 $116,000 $244,000
Black or African American 3 $565,000 $188,000 $275,000 $104,000 $142,000
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) 591 $78,155,000 $132,000 $615,000 $86,000 $1,121,000
FHA-insured (Federal Housing Administration) 166 $22,940,000 $138,000 $325,000 $62,000 $244,000
VA-guaranteed (Veterans Administration) 68 $10,950,000 $161,000 $895,000 $72,000 $209,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 60 $7,170,000 $119,000 $635,000 $53,000 $290,000

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 429 $59,905,000 $139,000 $895,000 $85,000 $476,000
Application Denied By Financial Institution 162 $18,210,000 $112,000 $585,000 $58,000 $209,000
Application Withdrawn By Applicant 104 $14,530,000 $139,000 $435,000 $82,000 $845,000
File Closed For Incompleteness 79 $10,325,000 $130,000 $635,000 $86,000 $1,121,000
Loan Purchased By The Institution 77 $11,605,000 $150,000 $435,000 $95,000 $343,000
Application Approved But Not Accepted 33 $4,475,000 $135,000 $405,000 $90,000 $724,000
Preapproval Approved but not Accepted 1 $165,000 $165,000 $165,000 $88,000 $88,000
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 681 $95,685,000 $140,000 $895,000 $84,000 $1,121,000
Debt-To-Income Ratio 82 $10,560,000 $128,000 $585,000 $73,000 $256,000
Credit History 73 $7,625,000 $104,000 $265,000 $65,000 $209,000
Unverifiable Information 12 $1,410,000 $117,000 $305,000 $66,000 $135,000
Collateral 12 $890,000 $74,000 $145,000 $51,000 $91,000
Other 10 $1,070,000 $107,000 $175,000 $63,000 $133,000
Credit Application Incomplete 7 $935,000 $133,000 $195,000 $58,000 $143,000
Insufficient Cash (Downpayment, Closing Cost) 6 $710,000 $118,000 $245,000 $67,000 $120,000
Employment History 2 $330,000 $165,000 $195,000 $53,000 $68,000
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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