Lawrence County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 475 mortgage applications in Lawrence County, KY totaling $63.1 million, up 9% from 2023. The average application was for $132,000, and applicants reported an average income of $91,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 104 applications, followed by City National Bank of Wv and Credit Human Federal Credit Un.
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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 | 475 |
| Total Mortgage Loan Application Amount | $63,065,000 |
| Average Mortgage Loan Application Amount | $132,000 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $91,000 |
| Highest Applicant Income | $5,788,000 |
* 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 |
* | $ n/a | 104 | $ 11,560,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 38 | $ 3,800,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 26 | $ 2,550,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 22 | $ 1,700,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 21 | $ 3,325,000 |
| Citizens Bank of Kentucky, Inc. PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ n/a | 15 | $ 2,275,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 13 | $ 1,415,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 13 | $ 2,065,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 11 | $ 1,205,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ n/a | 11 | $ 1,365,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 10 | $ 1,770,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 9 | $ 1,535,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 8 | $ 990,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ n/a | 7 | $ 865,000 |
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ n/a | 7 | $ 525,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 6 | $ 730,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 5 | $ 345,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 1,475,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 825,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 1,175,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 5 | $ 455,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 690,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 4 | $ 390,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 4 | $ 1,200,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 4 | $ 560,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 4 | $ 410,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 1,130,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 775,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 175,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 3 | $ 745,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 3 | $ 275,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 3 | $ 825,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 705,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ n/a | 2 | $ 180,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 340,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 230,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ n/a | 2 | $ 270,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 410,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 160,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 310,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 320,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 270,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 200,000 |
| Commercial Bank of Grayson 208 E MAIN ST GRAYSON, KY 41143 |
* | $ n/a | 2 | $ 180,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 90,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ n/a | 2 | $ 350,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ n/a | 1 | $ 195,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 205,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ n/a | 1 | $ 115,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ n/a | 1 | $ 405,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ n/a | 1 | $ 325,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 105,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 255,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 165,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ n/a | 1 | $ 185,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ n/a | 1 | $ 205,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 125,000 |
| First National Bank of Grayson 200 CAROL MALONE BLVD GRAYSON, KY 41143 |
* | $ n/a | 1 | $ 5,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 135,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 105,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 165,000 |
| Nexera Holding LLC 2200 POWELL STREET SUITE 340 EMERYVILLE, CA 94608 |
* | $ n/a | 1 | $ 225,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 1 | $ 65,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 5,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 195,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ n/a | 1 | $ 235,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 115,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 135,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 205,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 175,000 |
| Kemba Financial Credit Union 555 OFFICENTER PL GAHANNA, OH 43230 |
* | $ n/a | 1 | $ 85,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 35,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 155,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 1 | $ 205,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 105,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ n/a | 1 | $ 165,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ n/a | 1 | $ 255,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 205,000 |
The tables below break down 2024 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 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 | 327 | $46,275,000 | $141,000 | $455,000 | $74,000 | $265,000 |
| Cash-out Refinancing | 61 | $9,405,000 | $154,000 | $545,000 | $83,000 | $252,000 |
| Other Purpose | 32 | $2,010,000 | $62,000 | $155,000 | $82,000 | $240,000 |
| Home Improvement | 28 | $1,670,000 | $59,000 | $205,000 | $101,000 | $362,000 |
| Refinancing | 26 | $3,670,000 | $141,000 | $365,000 | $347,000 | $5,788,000 |
| Not Applicable | 1 | $35,000 | $35,000 | $35,000 | $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 | 416 | $53,350,000 | $128,000 | $545,000 | $93,000 | $5,788,000 |
| Not Provided | 26 | $4,250,000 | $163,000 | $425,000 | $75,000 | $176,000 |
| Not applicable | 20 | $3,400,000 | $170,000 | $455,000 | $0 | $0 |
| Hispanic | 6 | $790,000 | $131,000 | $205,000 | $64,000 | $120,000 |
| Asian | 3 | $635,000 | $211,000 | $365,000 | $62,000 | $108,000 |
| Black or African American | 3 | $575,000 | $191,000 | $315,000 | $59,000 | $102,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $53,000 | $53,000 |
| American Indian or Alaskan Native | 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) | 344 | $37,990,000 | $110,000 | $425,000 | $93,000 | $5,788,000 |
| FHA-insured (Federal Housing Administration) | 83 | $14,125,000 | $170,000 | $395,000 | $80,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 35 | $8,685,000 | $248,000 | $545,000 | $102,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $2,265,000 | $174,000 | $405,000 | $68,000 | $107,000 |
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 | 182 | $26,380,000 | $144,000 | $455,000 | $118,000 | $5,788,000 |
| Application Denied By Financial Institution | 153 | $16,165,000 | $105,000 | $285,000 | $67,000 | $362,000 |
| Application Withdrawn By Applicant | 50 | $8,220,000 | $164,000 | $495,000 | $77,000 | $265,000 |
| File Closed For Incompleteness | 49 | $6,645,000 | $135,000 | $545,000 | $77,000 | $252,000 |
| Application Approved But Not Accepted | 21 | $2,475,000 | $117,000 | $275,000 | $97,000 | $226,000 |
| Loan Purchased By The Institution | 19 | $3,135,000 | $165,000 | $455,000 | $60,000 | $60,000 |
| Preapproval Approved but not Accepted | 1 | $45,000 | $45,000 | $45,000 | $37,000 | $37,000 |
| 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 | 301 | $43,865,000 | $145,000 | $545,000 | $104,000 | $5,788,000 |
| Credit History | 66 | $6,380,000 | $96,000 | $235,000 | $75,000 | $206,000 |
| Debt-To-Income Ratio | 61 | $7,045,000 | $115,000 | $385,000 | $60,000 | $240,000 |
| Unverifiable Information | 16 | $1,910,000 | $119,000 | $225,000 | $59,000 | $118,000 |
| Credit Application Incomplete | 13 | $1,445,000 | $111,000 | $195,000 | $80,000 | $150,000 |
| Collateral | 9 | $875,000 | $97,000 | $285,000 | $65,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $765,000 | $153,000 | $275,000 | $76,000 | $189,000 |
| Other | 4 | $780,000 | $195,000 | $245,000 | $237,000 | $362,000 |
| Mortgage Insurance Denied | 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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