The Bank Of Kentucky
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
The Bank Of Kentucky 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | The Bank Of Kentucky 111 Lookout Farm Dr Crestview Hills, KY 41017 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,565 |
| Total Mortgage Loan Application Amount | $287,267,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $5,100,000 |
| Average Applicant Income | $92,000 |
| Highest Applicant Income | $1,833,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with The Bank Of Kentucky. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing The Bank Of Kentucky's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down The Bank Of Kentucky's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how The Bank Of Kentucky serves its applicants.
Each category highlights the total number of mortgage applications processed by The Bank Of Kentucky, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at The Bank Of Kentucky's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kenton County Kentucky | 579 | $ 94,267,000 | $ 162,000 | $ 103,000 |
| Boone County Kentucky | 424 | $ 78,278,000 | $ 184,000 | $ 107,000 |
| Campbell County Kentucky | 194 | $ 34,579,000 | $ 178,000 | $ 97,000 |
| Grant County Kentucky | 140 | $ 18,064,000 | $ 129,000 | $ 76,000 |
| Hamilton County Ohio | 81 | $ 32,361,000 | $ 399,000 | $ 112,000 |
| Gallatin County Kentucky | 29 | $ 4,010,000 | $ 138,000 | $ 85,000 |
| Pendleton County Kentucky | 29 | $ 4,251,000 | $ 146,000 | $ 83,000 |
| Clermont County Ohio | 17 | $ 3,654,000 | $ 214,000 | $ 132,000 |
| Owen County Kentucky | 14 | $ 1,106,000 | $ 79,000 | $ 69,000 |
| Carroll County Kentucky | 5 | $ 507,000 | $ 101,000 | $ 98,000 |
| Butler County Ohio | 5 | $ 944,000 | $ 188,000 | $ 153,000 |
| Bracken County Kentucky | 4 | $ 585,000 | $ 146,000 | $ 88,000 |
| Warren County Ohio | 4 | $ 932,000 | $ 233,000 | $ 173,000 |
| Dearborn County Indiana | 3 | $ 480,000 | $ 160,000 | $ 110,000 |
| Pulaski County Kentucky | 3 | $ 309,000 | $ 103,000 | $ 147,000 |
| Campbell County Tennessee | 3 | $ 1,016,000 | $ 338,000 | $ 386,000 |
| Decatur County Indiana | 2 | $ 70,000 | $ 35,000 | $ 0 |
| Fayette County Kentucky | 2 | $ 597,000 | $ 298,000 | $ 205,000 |
| Brown County Ohio | 2 | $ 298,000 | $ 149,000 | $ 86,000 |
| Escambia County Florida | 1 | $ 1,274,000 | $ 1,274,000 | $ 1,770,000 |
| Lee County Florida | 1 | $ 305,000 | $ 305,000 | $ 308,000 |
| Ohio County Indiana | 1 | $ 172,000 | $ 172,000 | $ 155,000 |
| Switzerland County Indiana | 1 | $ 51,000 | $ 51,000 | $ 28,000 |
| Bullitt County Kentucky | 1 | $ 236,000 | $ 236,000 | $ 125,000 |
| Franklin County Kentucky | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Hardin County Kentucky | 1 | $ 130,000 | $ 130,000 | $ 113,000 |
| Harrison County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 62,000 |
| Menifee County Kentucky | 1 | $ 53,000 | $ 53,000 | $ 66,000 |
| Russell County Kentucky | 1 | $ 150,000 | $ 150,000 | $ 190,000 |
| Scott County Kentucky | 1 | $ 86,000 | $ 86,000 | $ 37,000 |
| Shelby County Kentucky | 1 | $ 113,000 | $ 113,000 | $ 77,000 |
| Trimble County Kentucky | 1 | $ 1,000 | $ 1,000 | $ 26,000 |
| Wayne County Kentucky | 1 | $ 80,000 | $ 80,000 | $ 100,000 |
| Allegan County Michigan | 1 | $ 232,000 | $ 232,000 | $ 199,000 |
| Jefferson County Missouri | 1 | $ 208,000 | $ 208,000 | $ 96,000 |
| Haywood County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 152,000 |
| Allen County Ohio | 1 | $ 2,950,000 | $ 2,950,000 | $ 0 |
| Clinton County Ohio | 1 | $ 92,000 | $ 92,000 | $ 32,000 |
| Delaware County Ohio | 1 | $ 158,000 | $ 158,000 | $ 150,000 |
| Montgomery County Ohio | 1 | $ 2,168,000 | $ 2,168,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 344,000 | $ 344,000 | $ 496,000 |
| Sevier County Tennessee | 1 | $ 448,000 | $ 448,000 | $ 0 |
| Williamson County Tennessee | 1 | $ 234,000 | $ 234,000 | $ 135,000 |
| Greenbrier County West Virginia | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Bank Of Kentucky in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,273 | $241,362,000 | $189,000 | $5,100,000 | $101,000 | $1,770,000 |
| Home Purchase | 253 | $44,836,000 | $177,000 | $2,168,000 | $119,000 | $1,833,000 |
| Home Improvement | 39 | $1,069,000 | $27,000 | $406,000 | $56,000 | $400,000 |
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 | 1,475 | $253,472,000 | $171,000 | $1,600,000 | $107,000 | $1,833,000 |
| Not applicable | 48 | $28,770,000 | $599,000 | $5,100,000 | $0 | $0 |
| Not Provided | 21 | $2,709,000 | $129,000 | $352,000 | $68,000 | $413,000 |
| Asian | 11 | $1,415,000 | $128,000 | $250,000 | $113,000 | $400,000 |
| Black or African American | 6 | $625,000 | $104,000 | $160,000 | $53,000 | $77,000 |
| Hispanic | 2 | $170,000 | $85,000 | $135,000 | $72,000 | $96,000 |
| American Indian or Alaskan Native | 2 | $106,000 | $53,000 | $103,000 | $48,000 | $61,000 |
| 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) | 1,557 | $286,375,000 | $183,000 | $5,100,000 | $103,000 | $1,833,000 |
| FHA-insured (Federal Housing Administration) | 8 | $892,000 | $111,000 | $181,000 | $49,000 | $100,000 |
| 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 | 1,272 | $241,666,000 | $189,000 | $5,100,000 | $106,000 | $1,833,000 |
| Application Denied By Financial Institution | 171 | $23,548,000 | $137,000 | $417,000 | $71,000 | $428,000 |
| Application Withdrawn By Applicant | 78 | $13,764,000 | $176,000 | $1,274,000 | $118,000 | $1,770,000 |
| File Closed For Incompleteness | 30 | $5,288,000 | $176,000 | $406,000 | $97,000 | $225,000 |
| Application Approved But Not Accepted | 12 | $2,469,000 | $205,000 | $700,000 | $151,000 | $762,000 |
| Loan Purchased By The Institution | 2 | $532,000 | $266,000 | $417,000 | $105,000 | $167,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank Of Kentucky's 2012 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 The 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.