Lee County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 175 mortgage applications in Lee County, KY totaling $22.2 million, down 11% from 2023. The average application was for $126,000, and applicants reported an average income of $74,000. 29% of applications resulted in an originated loan and 33% were denied. The most active lender was 21st Mortgage, with 28 applications, followed by Vanderbilt Mortgage and Finance, Inc and Peoples Exchange Bank.
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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 | 175 |
| Total Mortgage Loan Application Amount | $22,185,000 |
| Average Mortgage Loan Application Amount | $126,000 |
| Highest Mortgage Loan Application Amount | $385,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $412,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 28 | $ 2,620,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 25 | $ 2,485,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ n/a | 9 | $ 765,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 8 | $ 1,390,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 8 | $ 770,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 7 | $ 835,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,280,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 5 | $ 785,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 395,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 5 | $ 685,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 3 | $ 345,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 3 | $ 445,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 515,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 3 | $ 645,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ n/a | 2 | $ 110,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 170,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 2 | $ 300,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 2 | $ 140,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 170,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 2 | $ 180,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 370,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 50,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 210,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 2 | $ 390,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 135,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 55,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 15,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ n/a | 1 | $ 305,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ n/a | 1 | $ 195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 365,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 275,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 5,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 145,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 225,000 |
| Warsaw Federal Savings and Loan Association 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ n/a | 1 | $ 185,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 165,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 245,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ n/a | 1 | $ 385,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ n/a | 1 | $ 165,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 185,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 285,000 |
| A+ Federal Credit Union 6420 US HWY 290 EAST AUSTIN, TX 78723 |
* | $ n/a | 1 | $ 135,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 1 | $ 115,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 95,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 135,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 225,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 125,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 285,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 185,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ n/a | 1 | $ 45,000 |
The tables below break down 2024 mortgage applications in Lee 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 Lee 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 | 133 | $17,345,000 | $130,000 | $385,000 | $73,000 | $248,000 |
| Cash-out Refinancing | 22 | $2,490,000 | $113,000 | $275,000 | $59,000 | $102,000 |
| Refinancing | 13 | $2,065,000 | $158,000 | $305,000 | $76,000 | $189,000 |
| Other Purpose | 5 | $195,000 | $39,000 | $85,000 | $101,000 | $300,000 |
| Home Improvement | 2 | $90,000 | $45,000 | $55,000 | $240,000 | $412,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 147 | $17,865,000 | $121,000 | $365,000 | $72,000 | $412,000 |
| Not Provided | 16 | $2,320,000 | $145,000 | $305,000 | $86,000 | $183,000 |
| Not applicable | 6 | $1,290,000 | $215,000 | $385,000 | $0 | $0 |
| Hispanic | 3 | $405,000 | $135,000 | $195,000 | $100,000 | $145,000 |
| Asian | 2 | $180,000 | $90,000 | $145,000 | $104,000 | $115,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 133 | $14,825,000 | $111,000 | $385,000 | $76,000 | $412,000 |
| FHA-insured (Federal Housing Administration) | 28 | $4,570,000 | $163,000 | $275,000 | $61,000 | $100,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,655,000 | $204,000 | $365,000 | $88,000 | $189,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $53,000 | $53,000 |
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 | 57 | $6,235,000 | $109,000 | $305,000 | $65,000 | $300,000 |
| Loan Originated | 51 | $7,645,000 | $149,000 | $385,000 | $88,000 | $412,000 |
| File Closed For Incompleteness | 32 | $3,060,000 | $95,000 | $245,000 | $59,000 | $201,000 |
| Application Withdrawn By Applicant | 22 | $3,210,000 | $145,000 | $265,000 | $77,000 | $144,000 |
| Application Approved But Not Accepted | 8 | $1,130,000 | $141,000 | $285,000 | $105,000 | $189,000 |
| Loan Purchased By The Institution | 5 | $905,000 | $181,000 | $305,000 | $0 | $0 |
| 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 | 115 | $15,265,000 | $132,000 | $365,000 | $78,000 | $412,000 |
| Credit History | 20 | $2,110,000 | $105,000 | $305,000 | $64,000 | $152,000 |
| Debt-To-Income Ratio | 13 | $1,875,000 | $144,000 | $385,000 | $47,000 | $100,000 |
| Credit Application Incomplete | 7 | $655,000 | $93,000 | $135,000 | $49,000 | $64,000 |
| Unverifiable Information | 7 | $675,000 | $96,000 | $175,000 | $68,000 | $150,000 |
| Collateral | 5 | $645,000 | $129,000 | $225,000 | $126,000 | $300,000 |
| Other | 5 | $455,000 | $91,000 | $135,000 | $40,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $155,000 | $77,000 | $131,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $193,000 | $193,000 |
| 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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