Leslie County, KY Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 150 mortgage applications in Leslie County, KY totaling $9.7 million, up 14% from 2014. The average application was for $64,000, and applicants reported an average income of $47,000. 23% of applications resulted in an originated loan and 43% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 41 applications, followed by 21st Mortgage and Alliance Credit, LLC.
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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 | 150 |
| Total Mortgage Loan Application Amount | $9,669,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $200,000 |
| Average Applicant Income | $47,000 |
| Highest Applicant Income | $160,000 |
| 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 | 41 | $ 2,603,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 29 | $ 1,581,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 14 | $ 740,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,699,771,000 | 14 | $ 932,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 979,243,000 | 6 | $ 311,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 5 | $ 383,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 4 | $ 192,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,761,042,000 | 3 | $ 140,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 3 | $ 27,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 3 | $ 160,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 2 | $ 46,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,808,214,000 | 2 | $ 128,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 248,000 |
| Hearthside Bank Corporation 1602 CUMBERLAND AVENUE MIDDLESBORO, KY 40965 |
* | $ 334,863,000 | 2 | $ 189,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 194,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 150,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 37,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 158,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 660,993,000 | 1 | $ 79,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 30,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 91,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 114,000 |
| Acceptance Capital Mortgage 113 EAST MAGNESIUM RD, UNIT D SPOKANE, WA 99208 |
* | $ 12,414,000 | 1 | $ 142,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 1 | $ 145,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 1 | $ 91,000 |
The tables below break down 2015 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 2015
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 | 108 | $6,679,000 | $61,000 | $168,000 | $42,000 | $95,000 |
| Refinancing | 26 | $2,527,000 | $97,000 | $200,000 | $63,000 | $160,000 |
| Home Improvement | 16 | $463,000 | $28,000 | $179,000 | $56,000 | $111,000 |
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 | 141 | $8,913,000 | $63,000 | $179,000 | $48,000 | $160,000 |
| Not Provided | 6 | $503,000 | $83,000 | $200,000 | $46,000 | $120,000 |
| Not applicable | 3 | $253,000 | $84,000 | $114,000 | $0 | $0 |
| 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) | 129 | $7,932,000 | $61,000 | $200,000 | $48,000 | $160,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,029,000 | $68,000 | $124,000 | $39,000 | $66,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $438,000 | $109,000 | $142,000 | $25,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 2 | $270,000 | $135,000 | $158,000 | $74,000 | $75,000 |
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 | 65 | $4,094,000 | $62,000 | $200,000 | $40,000 | $159,000 |
| Loan Originated | 34 | $2,319,000 | $68,000 | $179,000 | $63,000 | $160,000 |
| File Closed For Incompleteness | 28 | $1,503,000 | $53,000 | $145,000 | $45,000 | $120,000 |
| Loan Purchased By The Institution | 9 | $564,000 | $62,000 | $114,000 | $40,000 | $95,000 |
| Application Withdrawn By Applicant | 8 | $498,000 | $62,000 | $112,000 | $41,000 | $75,000 |
| Application Approved But Not Accepted | 6 | $691,000 | $115,000 | $171,000 | $56,000 | $100,000 |
| 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 | 14 | $449,000 | $32,000 | $86,000 | $37,000 | $67,000 |
| Debt-To-Income Ratio | 4 | $240,000 | $60,000 | $134,000 | $32,000 | $49,000 |
| Collateral | 2 | $105,000 | $52,000 | $65,000 | $59,000 | $72,000 |
| Credit Application Incomplete | 1 | $158,000 | $158,000 | $158,000 | $159,000 | $159,000 |
| Employment History | 1 | $54,000 | $54,000 | $54,000 | $15,000 | $15,000 |
| 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 |
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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