Leslie County, KY Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 114 mortgage applications in Leslie County, KY totaling $9.4 million, down 26% from 2018. The average application was for $82,000, and applicants reported an average income of $56,000. 35% of applications resulted in an originated loan and 42% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 25 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 | 114 |
| Total Mortgage Loan Application Amount | $9,390,000 |
| Average Mortgage Loan Application Amount | $82,000 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $336,000 |
| 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 |
* | $ -1,000 | 25 | $ 1,725,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 25 | $ 1,555,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,179,535,000 | 10 | $ 930,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 4 | $ 270,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,060,792,000 | 3 | $ 275,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 445,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 265,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 2 | $ 170,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 120,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 230,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 230,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ -1,000 | 2 | $ 130,000 |
| Hearthside Bank Corporation 1602 CUMBERLAND AVENUE MIDDLESBORO, KY 40965 |
* | $ 381,367,000 | 1 | $ 45,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,266,772,000 | 1 | $ 155,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,235,698,000 | 1 | $ 65,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 145,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,500,928,000 | 1 | $ 65,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 75,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 35,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 165,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 165,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 1 | $ 25,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 75,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 1,280,405,000 | 1 | $ 105,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,216,056,000 | 1 | $ 85,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 95,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 347,050,000 | 1 | $ 45,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 25,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 165,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 135,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 85,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 45,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 165,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 45,000 |
The tables below break down 2019 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 2019
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 | 77 | $5,455,000 | $70,000 | $165,000 | $51,000 | $336,000 |
| Refinancing | 16 | $1,910,000 | $119,000 | $335,000 | $70,000 | $195,000 |
| Cash-out Refinancing | 14 | $1,620,000 | $115,000 | $185,000 | $60,000 | $139,000 |
| Other Purpose | 6 | $250,000 | $41,000 | $55,000 | $72,000 | $91,000 |
| Home Improvement | 1 | $155,000 | $155,000 | $155,000 | $82,000 | $82,000 |
| 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 | 106 | $8,550,000 | $80,000 | $335,000 | $53,000 | $195,000 |
| Not Provided | 4 | $560,000 | $140,000 | $165,000 | $59,000 | $78,000 |
| Not applicable | 2 | $200,000 | $100,000 | $165,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $80,000 | $40,000 | $55,000 | $182,000 | $336,000 |
| 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) | 86 | $6,220,000 | $72,000 | $335,000 | $58,000 | $336,000 |
| FHA-insured (Federal Housing Administration) | 17 | $1,675,000 | $98,000 | $165,000 | $43,000 | $93,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,365,000 | $151,000 | $195,000 | $67,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $130,000 | $65,000 | $65,000 | $26,000 | $35,000 |
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 | 48 | $3,590,000 | $74,000 | $165,000 | $51,000 | $336,000 |
| Loan Originated | 40 | $3,620,000 | $90,000 | $335,000 | $69,000 | $195,000 |
| File Closed For Incompleteness | 15 | $1,115,000 | $74,000 | $165,000 | $43,000 | $88,000 |
| Application Withdrawn By Applicant | 5 | $465,000 | $93,000 | $155,000 | $42,000 | $56,000 |
| Application Approved But Not Accepted | 4 | $400,000 | $100,000 | $125,000 | $61,000 | $72,000 |
| Loan Purchased By The Institution | 2 | $200,000 | $100,000 | $165,000 | $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 | 65 | $5,755,000 | $88,000 | $335,000 | $59,000 | $195,000 |
| Credit History | 23 | $1,625,000 | $70,000 | $165,000 | $58,000 | $336,000 |
| Debt-To-Income Ratio | 11 | $735,000 | $66,000 | $135,000 | $45,000 | $91,000 |
| Unverifiable Information | 5 | $415,000 | $83,000 | $145,000 | $56,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $290,000 | $72,000 | $105,000 | $50,000 | $73,000 |
| Other | 3 | $255,000 | $85,000 | $155,000 | $46,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $35,000 | $35,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $25,000 | $25,000 |
| Credit Application Incomplete | 1 | $165,000 | $165,000 | $165,000 | $53,000 | $53,000 |
| 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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