Letcher County, KY Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 707 mortgage applications in Letcher County, KY totaling $42.1 million, down 16% from 2011. The average application was for $59,000, and applicants reported an average income of $58,000. 49% of applications resulted in an originated loan and 33% were denied. The most active lender was Community Trust Bank, Inc., with 297 applications, followed by Vanderbilt Mortgage and Finance, Inc and Whitaker 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 | 707 |
| Total Mortgage Loan Application Amount | $42,088,000 |
| Average Mortgage Loan Application Amount | $59,000 |
| Highest Mortgage Loan Application Amount | $644,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $475,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,573,012,000 | 297 | $ 12,782,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 123 | $ 7,493,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,496,537,000 | 107 | $ 5,486,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 34 | $ 2,922,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 25 | $ 1,018,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 12 | $ 835,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 10 | $ 1,051,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 9 | $ 1,301,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 5 | $ 510,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 5 | $ 393,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 5 | $ 448,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 897,005,000 | 5 | $ 466,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 558,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 4 | $ 371,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 356,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 793,438,000 | 4 | $ 118,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 1,038,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 659,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 308,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 222,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 2 | $ 122,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 583,350,000 | 2 | $ 75,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 283,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 706,416,000 | 2 | $ 222,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 422,177,000 | 1 | $ 10,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 1 | $ 29,000 |
| Ashland Credit Union 1300 CENTRAL AVE ASHLAND, KY 41101 |
* | $ 171,560,000 | 1 | $ 46,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 2,520,100,000 | 1 | $ 101,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 70,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 1 | $ 13,000 |
| Farmers and Miners Bank 41526 W MORGAN AVENUE PENNINGTON GAP, VA 24277 |
* | $ 129,141,000 | 1 | $ 17,000 |
| Miners Exchange Bank PO BOX 1197 COEBURN, VA 24230 |
* | $ 160,390,000 | 1 | $ 80,000 |
| Highlands Union Bank 340 WEST MAIN STREET ABINGDON, VA 24210 |
* | $ 620,609,000 | 1 | $ 8,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 1 | $ 18,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 1 | $ 29,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 60,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 1 | $ 66,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 100,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 60,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 127,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 1 | $ 69,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 30,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 142,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 1 | $ 62,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 48,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 122,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 122,000 |
| Cmco Mortgage, LLC dba Home Le 7851 FREEWAY CIRCLE MIDDLEBURG HEIGHTS, OH 44130 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 127,000 |
The tables below break down 2012 mortgage applications in Letcher 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 Letcher County, KY 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 261 | $17,353,000 | $66,000 | $280,000 | $56,000 | $307,000 |
| Home Improvement | 239 | $4,323,000 | $18,000 | $150,000 | $47,000 | $190,000 |
| Refinancing | 207 | $20,412,000 | $98,000 | $644,000 | $71,000 | $475,000 |
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 | 670 | $39,090,000 | $58,000 | $644,000 | $58,000 | $475,000 |
| Not Provided | 24 | $1,905,000 | $79,000 | $410,000 | $70,000 | $267,000 |
| Not applicable | 6 | $486,000 | $81,000 | $180,000 | $10,000 | $62,000 |
| Black or African American | 4 | $259,000 | $64,000 | $158,000 | $83,000 | $209,000 |
| Hispanic | 1 | $40,000 | $40,000 | $40,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $258,000 | $258,000 | $258,000 | $32,000 | $32,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $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) | 661 | $37,297,000 | $56,000 | $644,000 | $58,000 | $475,000 |
| FHA-insured (Federal Housing Administration) | 37 | $3,958,000 | $106,000 | $270,000 | $49,000 | $238,000 |
| VA-guaranteed (Veterans Administration) | 5 | $540,000 | $108,000 | $156,000 | $60,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $293,000 | $73,000 | $80,000 | $33,000 | $42,000 |
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 |
|---|---|---|---|---|---|---|
| Loan Originated | 349 | $19,897,000 | $57,000 | $644,000 | $62,000 | $475,000 |
| Application Denied By Financial Institution | 231 | $12,894,000 | $55,000 | $410,000 | $51,000 | $346,000 |
| Application Approved But Not Accepted | 87 | $5,556,000 | $63,000 | $320,000 | $60,000 | $307,000 |
| Application Withdrawn By Applicant | 22 | $2,199,000 | $99,000 | $270,000 | $74,000 | $238,000 |
| Loan Purchased By The Institution | 12 | $1,093,000 | $91,000 | $180,000 | $37,000 | $76,000 |
| File Closed For Incompleteness | 6 | $449,000 | $74,000 | $102,000 | $49,000 | $85,000 |
| 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 | 91 | $3,797,000 | $41,000 | $410,000 | $52,000 | $260,000 |
| Debt-To-Income Ratio | 22 | $1,193,000 | $54,000 | $208,000 | $32,000 | $91,000 |
| Collateral | 18 | $1,513,000 | $84,000 | $262,000 | $95,000 | $346,000 |
| Credit Application Incomplete | 8 | $716,000 | $89,000 | $242,000 | $41,000 | $97,000 |
| Other | 4 | $129,000 | $32,000 | $105,000 | $76,000 | $147,000 |
| Unverifiable Information | 2 | $30,000 | $15,000 | $20,000 | $48,000 | $57,000 |
| 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 |
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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