Lawrence County, KY Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 384 mortgage applications in Lawrence County, KY totaling $40.4 million, down 3% from 2017. The average application was for $105,000, and applicants reported an average income of $66,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 60 applications, followed by Community Trust Bank, Inc. and Citizens Bank of Kentucky, 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 | 384 |
| Total Mortgage Loan Application Amount | $40,360,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $825,000 |
| Average Applicant Income | $66,000 |
| Highest Applicant Income | $505,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 60 | $ 3,500,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,113,495,000 | 34 | $ 2,970,000 |
| Citizens Bank of Kentucky, Inc. PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 588,997,000 | 18 | $ 2,850,000 |
| Town Square Bank 1500 CARTER AVENUE ASHLAND, KY 41105 |
* | $ 446,770,000 | 16 | $ 1,580,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 14 | $ 810,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 13 | $ 895,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 4,072,671,000 | 12 | $ 1,510,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 430,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 1,335,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 7 | $ 785,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 7 | $ 1,085,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 6 | $ 580,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,390,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 410,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 6 | $ 730,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 950,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 5 | $ 685,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 5 | $ 655,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 5 | $ 655,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 5 | $ 935,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 4 | $ 430,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ 205,142,000 | 4 | $ 270,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 4 | $ 480,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,569,754,000 | 4 | $ 530,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 4 | $ 160,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 260,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,151,298,000 | 4 | $ 400,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 505,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 355,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 165,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 205,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 305,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 3 | $ 865,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 300,000 |
| Ez Mortgage Loans, Inc. 419 VERNON ST IRONTON, OH 45638 |
* | $ -1,000 | 2 | $ 190,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 2 | $ 130,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 180,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 210,000 |
| First Priority Federal Credit Union 9408 VIRGINIA AVE HUNTINGTON, WV 25701 |
* | $ 55,039,000 | 2 | $ 150,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 2 | $ 200,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 310,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 300,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 230,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ -1,000 | 2 | $ 140,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,167,122,000 | 2 | $ 170,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 2 | $ 150,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 2 | $ 110,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 350,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 2 | $ 290,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 230,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 115,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 282,670,000 | 1 | $ 175,000 |
| Ohio Valley Bank 420 THIRD AVE GALLIPOLIS, OH 45631 |
* | $ 1,011,182,000 | 1 | $ 195,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 55,000 |
| Atlanta Postal Credit Union 1605 BOGGS ROAD ATLANTA, GA 30354 |
* | $ 2,107,765,000 | 1 | $ 125,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 125,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 1,050,914,000 | 1 | $ 25,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 145,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 215,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 175,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ 179,723,000 | 1 | $ 135,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 65,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 115,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 85,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ 1,202,018,000 | 1 | $ 185,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 181,947,000 | 1 | $ 95,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 75,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 85,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 135,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 285,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 1 | $ 75,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 1 | $ 75,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 1 | $ 215,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 175,000 |
| Suntrust Banks, Inc. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 85,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 1 | $ 235,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 2,835,749,000 | 1 | $ 15,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 260,106,000 | 1 | $ 145,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 75,000 |
| Westerra Credit Union 3700 E ALAMEDA AVE DENVER, CO 80209 |
* | $ 1,535,006,000 | 1 | $ 35,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 215,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 135,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2018 mortgage applications in Lawrence 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 Lawrence County, KY in 2018
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 | 205 | $20,095,000 | $98,000 | $295,000 | $58,000 | $268,000 |
| Refinancing | 70 | $9,660,000 | $138,000 | $825,000 | $88,000 | $505,000 |
| Cash-out Refinancing | 55 | $7,315,000 | $133,000 | $375,000 | $66,000 | $222,000 |
| Home Improvement | 24 | $1,100,000 | $45,000 | $115,000 | $66,000 | $181,000 |
| Other Purpose | 21 | $1,415,000 | $67,000 | $225,000 | $75,000 | $254,000 |
| Not Applicable | 9 | $775,000 | $86,000 | $175,000 | $66,000 | $89,000 |
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 | 325 | $32,645,000 | $100,000 | $825,000 | $66,000 | $505,000 |
| Not applicable | 27 | $3,425,000 | $126,000 | $525,000 | $53,000 | $64,000 |
| Not Provided | 25 | $2,845,000 | $113,000 | $375,000 | $65,000 | $222,000 |
| Hispanic | 4 | $880,000 | $220,000 | $375,000 | $124,000 | $221,000 |
| American Indian or Alaskan Native | 2 | $340,000 | $170,000 | $175,000 | $60,000 | $65,000 |
| Asian | 1 | $225,000 | $225,000 | $225,000 | $151,000 | $151,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 267 | $25,585,000 | $95,000 | $825,000 | $69,000 | $505,000 |
| FHA-insured (Federal Housing Administration) | 58 | $6,520,000 | $112,000 | $215,000 | $50,000 | $121,000 |
| VA-guaranteed (Veterans Administration) | 35 | $6,085,000 | $173,000 | $375,000 | $82,000 | $222,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,170,000 | $90,000 | $135,000 | $44,000 | $67,000 |
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 | 145 | $16,295,000 | $112,000 | $825,000 | $79,000 | $505,000 |
| Application Denied By Financial Institution | 123 | $11,285,000 | $91,000 | $405,000 | $50,000 | $223,000 |
| File Closed For Incompleteness | 39 | $3,975,000 | $101,000 | $375,000 | $65,000 | $222,000 |
| Application Withdrawn By Applicant | 34 | $3,970,000 | $116,000 | $395,000 | $74,000 | $186,000 |
| Loan Purchased By The Institution | 29 | $3,555,000 | $122,000 | $275,000 | $78,000 | $155,000 |
| Application Approved But Not Accepted | 14 | $1,280,000 | $91,000 | $145,000 | $66,000 | $128,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 246 | $26,510,000 | $107,000 | $395,000 | $73,000 | $505,000 |
| Credit History | 49 | $3,715,000 | $75,000 | $405,000 | $43,000 | $105,000 |
| Debt-To-Income Ratio | 44 | $5,070,000 | $115,000 | $825,000 | $62,000 | $304,000 |
| Other | 12 | $1,530,000 | $127,000 | $255,000 | $86,000 | $132,000 |
| Collateral | 10 | $1,030,000 | $103,000 | $295,000 | $73,000 | $223,000 |
| Credit Application Incomplete | 9 | $1,205,000 | $133,000 | $285,000 | $56,000 | $120,000 |
| Unverifiable Information | 9 | $735,000 | $81,000 | $245,000 | $39,000 | $75,000 |
| Employment History | 4 | $510,000 | $127,000 | $345,000 | $55,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $27,000 | $27,000 |
| 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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