Lewis County, KY Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 276 mortgage applications in Lewis County, KY totaling $19.7 million, down 6% from 2015. The average application was for $71,000, and applicants reported an average income of $53,000. 59% of applications resulted in an originated loan and 21% were denied. The most active lender was Citizens Deposit Bank & Trust, with 75 applications, followed by US Bank, N.A. and Vanderbilt Mortgage and Finance, 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 | 276 |
| Total Mortgage Loan Application Amount | $19,731,000 |
| Average Mortgage Loan Application Amount | $71,000 |
| Highest Mortgage Loan Application Amount | $234,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $229,000 |
* 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 |
|---|---|---|---|---|
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 389,450,000 | 75 | $ 4,001,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 36 | $ 2,627,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 27 | $ 1,931,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 465,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 7 | $ 838,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,881,833,000 | 6 | $ 81,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 534,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 4 | $ 364,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 4 | $ 177,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 4 | $ 260,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 4 | $ 318,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 138,620,635,000 | 4 | $ 261,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 4 | $ 297,000 |
| Town Square Bank 1500 CARTER AVENUE ASHLAND, KY 41105 |
* | $ 434,606,000 | 3 | $ 225,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 3 | $ 174,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 3 | $ 137,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 398,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 425,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 3 | $ 202,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 234,265,000 | 3 | $ 264,000 |
| Atomic Credit Union, Inc 711 BEAVER CREEK ROAD PIKETON, OH 45661 |
* | $ 245,435,000 | 2 | $ 171,000 |
| Incenta 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 84,881,000 | 2 | $ 113,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 173,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 121,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 2 | $ 204,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 351,875,000 | 2 | $ 181,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 2 | $ 258,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 138,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 138,620,635,000 | 2 | $ 176,000 |
| American Savings Bank, FSB 503 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 256,743,000 | 2 | $ 278,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 1 | $ 122,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 274,560,000 | 1 | $ 129,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 972,166,000 | 1 | $ 100,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 1 | $ 71,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 61,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 1 | $ 7,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 43,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 1 | $ 131,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 988,439,000 | 1 | $ 67,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 1 | $ 173,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 206,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ 1,271,767,000 | 1 | $ 115,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 1 | $ 15,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 1 | $ 176,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 1 | $ 5,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 85,747,508,000 | 1 | $ 65,000 |
| Sharefax Credit Union 1147 OLD STATE ROUTE 74 CINCINNATI, OH 45245 |
* | $ 340,542,000 | 1 | $ 24,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ 204,949,000 | 1 | $ 40,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 1 | $ 82,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 167,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 100,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 55,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 1,086,068,000 | 1 | $ 41,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 138,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 131,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 1 | $ 80,000 |
The tables below break down 2016 mortgage applications in Lewis 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 Lewis County, KY in 2016
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 | 143 | $9,993,000 | $69,000 | $206,000 | $47,000 | $166,000 |
| Refinancing | 99 | $8,756,000 | $88,000 | $234,000 | $60,000 | $229,000 |
| Home Improvement | 34 | $982,000 | $28,000 | $144,000 | $61,000 | $109,000 |
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 | 238 | $16,495,000 | $69,000 | $234,000 | $55,000 | $172,000 |
| Not Provided | 20 | $1,512,000 | $75,000 | $170,000 | $62,000 | $229,000 |
| Not applicable | 15 | $1,497,000 | $99,000 | $173,000 | $6,000 | $60,000 |
| Hispanic | 2 | $121,000 | $60,000 | $62,000 | $36,000 | $36,000 |
| American Indian or Alaskan Native | 1 | $106,000 | $106,000 | $106,000 | $212,000 | $212,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin 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) | 208 | $13,725,000 | $65,000 | $234,000 | $59,000 | $229,000 |
| FHA-insured (Federal Housing Administration) | 39 | $3,122,000 | $80,000 | $173,000 | $32,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,321,000 | $77,000 | $129,000 | $33,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,563,000 | $130,000 | $206,000 | $47,000 | $90,000 |
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 | 163 | $11,045,000 | $67,000 | $234,000 | $59,000 | $229,000 |
| Application Denied By Financial Institution | 57 | $4,177,000 | $73,000 | $210,000 | $45,000 | $179,000 |
| Loan Purchased By The Institution | 17 | $1,663,000 | $97,000 | $206,000 | $14,000 | $68,000 |
| File Closed For Incompleteness | 16 | $1,062,000 | $66,000 | $108,000 | $51,000 | $98,000 |
| Application Withdrawn By Applicant | 14 | $1,159,000 | $82,000 | $145,000 | $60,000 | $118,000 |
| Application Approved But Not Accepted | 9 | $625,000 | $69,000 | $159,000 | $71,000 | $147,000 |
| 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 | 12 | $667,000 | $55,000 | $176,000 | $46,000 | $104,000 |
| Collateral | 9 | $848,000 | $94,000 | $190,000 | $48,000 | $179,000 |
| Debt-To-Income Ratio | 5 | $310,000 | $62,000 | $88,000 | $28,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $184,000 | $61,000 | $68,000 | $37,000 | $39,000 |
| Credit Application Incomplete | 2 | $140,000 | $70,000 | $97,000 | $69,000 | $72,000 |
| Unverifiable Information | 1 | $116,000 | $116,000 | $116,000 | $63,000 | $63,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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