Leslie County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 146 mortgage applications in Leslie County, KY totaling $11.3 million, down 20% from 2012. The average application was for $77,000, and applicants reported an average income of $49,000. 31% of applications resulted in an originated loan and 39% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 31 applications, followed by 21st Mortgage and Community Trust Bank, 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 | 146 |
| Total Mortgage Loan Application Amount | $11,312,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $276,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $180,000 |
| 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 |
* | $ 31,000,000 | 31 | $ 2,135,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 31 | $ 1,685,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,617,126,000 | 20 | $ 1,532,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 9 | $ 757,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 7 | $ 902,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 4 | $ 121,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 4 | $ 373,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 4 | $ 261,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 928,031,000 | 3 | $ 204,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 2 | $ 99,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 292,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 213,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 300,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 179,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 2 | $ 104,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 120,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 2 | $ 120,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 215,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 276,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 1 | $ 154,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,441,431,000 | 1 | $ 30,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 60,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 1 | $ 36,000 |
| Peoples Bank Mt Washington P O BOX 95, 201 N BARDSTOWN ROAD MT WASHINGTON, KY 40047 |
* | $ 88,595,000 | 1 | $ 172,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 72,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 153,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 92,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 791,697,000 | 1 | $ 25,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 950,246,000 | 1 | $ 43,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 92,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 89,000 |
The tables below break down 2013 mortgage applications in Leslie 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 Leslie County, KY in 2013
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 | 90 | $6,113,000 | $67,000 | $215,000 | $47,000 | $120,000 |
| Refinancing | 44 | $4,939,000 | $112,000 | $276,000 | $50,000 | $180,000 |
| Home Improvement | 12 | $260,000 | $21,000 | $67,000 | $53,000 | $124,000 |
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 | 133 | $10,303,000 | $77,000 | $276,000 | $51,000 | $180,000 |
| Not Provided | 10 | $859,000 | $85,000 | $153,000 | $31,000 | $86,000 |
| Not applicable | 3 | $150,000 | $50,000 | $65,000 | $29,000 | $56,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 125 | $8,799,000 | $70,000 | $229,000 | $50,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,066,000 | $88,000 | $150,000 | $22,000 | $74,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,375,000 | $171,000 | $276,000 | $67,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $72,000 | $72,000 | $72,000 | $25,000 | $25,000 |
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 | $4,340,000 | $76,000 | $229,000 | $50,000 | $180,000 |
| Loan Originated | 45 | $3,209,000 | $71,000 | $181,000 | $49,000 | $124,000 |
| Application Approved But Not Accepted | 24 | $1,620,000 | $67,000 | $153,000 | $50,000 | $120,000 |
| Application Withdrawn By Applicant | 10 | $1,243,000 | $124,000 | $276,000 | $42,000 | $99,000 |
| File Closed For Incompleteness | 6 | $542,000 | $90,000 | $100,000 | $53,000 | $92,000 |
| Loan Purchased By The Institution | 4 | $358,000 | $89,000 | $153,000 | $36,000 | $58,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $462,000 | $77,000 | $191,000 | $60,000 | $106,000 |
| Debt-To-Income Ratio | 6 | $307,000 | $51,000 | $68,000 | $30,000 | $64,000 |
| Collateral | 5 | $676,000 | $135,000 | $229,000 | $75,000 | $120,000 |
| Other | 4 | $462,000 | $115,000 | $215,000 | $28,000 | $89,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $52,000 | $52,000 | $52,000 | $30,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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