First National Bank of Kentucky Mortgage Lending & HMDA Data, 2024
In 2024, First National Bank of Kentucky of Carrollton, KY reported 83 mortgage applications totaling $22.9 million, down 22% from 2023. The average application was for $276,204, and applicants reported an average income of $126,349. 77% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Cincinnati, OH-KY-IN (38), Louisville/Jefferson County, KY-IN (23) and Lexington-Fayette, KY (1) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Kentucky 604 Highland Ave Carrollton, KY 41008 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2019 |
| Total Number of Mortgage Applications | 83 |
| Total Mortgage Loan Application Amount | $22,925,000 |
| Average Mortgage Loan Application Amount | $276,204 |
| Highest Mortgage Loan Application Amount | $2,175,000 |
| Average Applicant Income | $126,349 |
| Highest Applicant Income | $340,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Kentucky filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN | 38 | $ 13,870,000 | $ 365,000 | $ 140,236 |
| Louisville/Jefferson County, KY-IN | 23 | $ 5,455,000 | $ 237,173 | $ 120,000 |
| Outside any metro area | 20 | $ 2,890,000 | $ 144,500 | $ 88,800 |
| Lexington-Fayette, KY | 1 | $ 465,000 | $ 465,000 | $ 340,000 |
| Tampa, FL | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
Mortgage Loan Application Detail Totals for First National Bank of Kentucky 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 | 33 | $12,515,000 | $379,000 | $2,175,000 | $139,000 | $313,000 |
| Refinancing | 32 | $9,340,000 | $291,000 | $1,255,000 | $127,000 | $340,000 |
| Other Purpose | 10 | $580,000 | $58,000 | $155,000 | $90,000 | $221,000 |
| Home Improvement | 8 | $490,000 | $61,000 | $155,000 | $117,000 | $228,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 59 | $12,805,000 | $217,000 | $2,175,000 | $124,000 | $340,000 |
| Not applicable | 21 | $9,805,000 | $466,000 | $1,255,000 | $0 | $0 |
| Hispanic | 2 | $270,000 | $135,000 | $135,000 | $128,000 | $129,000 |
| Black or African American | 1 | $45,000 | $45,000 | $45,000 | $75,000 | $75,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 83 | $22,925,000 | $276,000 | $2,175,000 | $123,000 | $340,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 64 | $14,890,000 | $232,000 | $1,205,000 | $128,000 | $340,000 |
| Application Denied By Financial Institution | 11 | $5,415,000 | $492,000 | $2,175,000 | $107,000 | $234,000 |
| Application Approved But Not Accepted | 6 | $2,580,000 | $430,000 | $725,000 | $143,000 | $167,000 |
| Application Withdrawn By Applicant | 2 | $40,000 | $20,000 | $25,000 | $34,000 | $57,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 | 71 | $17,305,000 | $243,000 | $1,205,000 | $126,000 | $340,000 |
| Credit History | 6 | $2,400,000 | $400,000 | $1,255,000 | $79,000 | $142,000 |
| Debt-To-Income Ratio | 4 | $540,000 | $135,000 | $265,000 | $101,000 | $189,000 |
| Other | 2 | $2,680,000 | $1,340,000 | $2,175,000 | $234,000 | $234,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Kentucky's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First National Bank of Kentucky's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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