Lewis County, KY Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 365 mortgage applications in Lewis County, KY totaling $37.5 million, down 21% from 2022. The average application was for $102,000, and applicants reported an average income of $78,000. 44% of applications resulted in an originated loan and 26% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 47 applications, followed by Peoples Bank and Peoples Bank of Kentucky, 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 | 365 |
| Total Mortgage Loan Application Amount | $37,525,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $615,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $490,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 47 | $ 5,105,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 7,197,574,000 | 43 | $ 2,625,000 |
| Peoples Bank of Kentucky, Inc 106 S MAIN CROSS ST FLEMINGSBURG, KY 41041 |
* | $ 434,445,000 | 27 | $ 2,425,000 |
| First Guaranty Bank 400 EAST THOMAS STREET HAMMOND, LA 70401 |
* | $ 3,149,346,000 | 25 | $ 2,595,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 22 | $ 2,490,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 20 | $ 1,650,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 10 | $ 1,030,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 9 | $ 1,165,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 7 | $ 875,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 6 | $ 900,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 6 | $ 720,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 605,000 |
| Commercial Bank of Grayson 208 E MAIN ST GRAYSON, KY 41143 |
* | $ 212,590,000 | 5 | $ 405,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 325,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 5 | $ 455,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 4 | $ 270,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 76,785,000 | 4 | $ 530,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 4 | $ 540,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 160,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 380,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 385,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 185,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 7,794,453,000 | 3 | $ 125,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 3 | $ 255,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 455,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 545,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 215,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 3 | $ 385,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 3 | $ 235,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,826,414,000 | 3 | $ 355,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 2 | $ 130,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 2 | $ 590,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 2 | $ 110,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 410,000 |
| Atomic Credit Union, Inc 711 BEAVER CREEK ROAD PIKETON, OH 45661 |
* | $ 550,745,000 | 2 | $ 230,000 |
| First National Bank of Grayson 200 CAROL MALONE BLVD GRAYSON, KY 41143 |
* | $ 329,165,000 | 2 | $ 260,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ -1,000 | 2 | $ 300,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ 3,141,703,000 | 2 | $ 60,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 270,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 2 | $ 250,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 2 | $ 270,000 |
| Kentucky Farmers Bank Corporation 6313 US RT 60 ASHLAND, KY 41102 |
* | $ 267,317,000 | 1 | $ 115,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 85,000 |
| First National Bank of Kentucky 604 HIGHLAND AVE CARROLLTON, KY 41008 |
* | $ 186,552,000 | 1 | $ 345,000 |
| Pathways Financial Credit Union 5665 N. HAMILTON RD COLUMBUS, OH 43230 |
* | $ 598,470,000 | 1 | $ 65,000 |
| Flat Branch Mortgage, Inc. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 1 | $ 235,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 95,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 125,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 7,488,838,000 | 1 | $ 45,000 |
| Members Choice Credit Union 145 RUSSELL RD ASHLAND, KY 41101 |
* | $ 358,992,000 | 1 | $ 105,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 6,150,272,000 | 1 | $ 215,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,722,761,000 | 1 | $ 65,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 125,000 |
| Hapo Communtiy Credit Union 4 N UNION ST RICHLAND, WA 99354 |
* | $ 2,335,413,000 | 1 | $ 55,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 5,832,156,000 | 1 | $ 15,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 85,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 125,000 |
| Ocmbc, Inc. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 125,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 1,060,078,000 | 1 | $ 85,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 3,821,266,000 | 1 | $ 95,000 |
| Desco Federal Credit Union 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 439,747,000 | 1 | $ 25,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 175,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 75,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 5,264,106,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 195,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 225,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 45,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 115,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 5,825,549,000 | 1 | $ 125,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 1 | $ 85,000 |
| Vinton County National Bank 112 W MAIN ST PO BOX 460 MCARTHUR, OH 45651 |
* | $ 1,361,287,000 | 1 | $ 55,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 775,153,000 | 1 | $ 65,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 95,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 85,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 175,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 105,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,307,068,000 | 1 | $ 615,000 |
| Victorian Finance, LLC 2570 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 |
* | $ -1,000 | 1 | $ 125,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 135,000 |
The tables below break down 2023 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 2023
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 | 227 | $26,745,000 | $117,000 | $615,000 | $79,000 | $490,000 |
| Refinancing | 43 | $4,245,000 | $98,000 | $315,000 | $72,000 | $256,000 |
| Cash-out Refinancing | 36 | $3,190,000 | $88,000 | $165,000 | $70,000 | $176,000 |
| Home Improvement | 29 | $1,615,000 | $55,000 | $105,000 | $91,000 | $216,000 |
| Other Purpose | 28 | $1,600,000 | $57,000 | $155,000 | $75,000 | $203,000 |
| Not Applicable | 2 | $130,000 | $65,000 | $75,000 | $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 | 323 | $32,375,000 | $100,000 | $615,000 | $76,000 | $397,000 |
| Not Provided | 25 | $2,925,000 | $117,000 | $335,000 | $81,000 | $356,000 |
| Not applicable | 12 | $1,430,000 | $119,000 | $285,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $200,000 | $100,000 | $115,000 | $272,000 | $490,000 |
| Asian | 1 | $345,000 | $345,000 | $345,000 | $241,000 | $241,000 |
| Black or African American | 1 | $115,000 | $115,000 | $115,000 | $44,000 | $44,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $75,000 | $75,000 |
| 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) | 283 | $27,195,000 | $96,000 | $615,000 | $81,000 | $490,000 |
| FHA-insured (Federal Housing Administration) | 58 | $6,790,000 | $117,000 | $285,000 | $65,000 | $182,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,540,000 | $128,000 | $195,000 | $54,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 12 | $2,000,000 | $166,000 | $335,000 | $71,000 | $99,000 |
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 | 159 | $17,355,000 | $109,000 | $615,000 | $87,000 | $397,000 |
| Application Denied By Financial Institution | 96 | $9,390,000 | $97,000 | $295,000 | $61,000 | $216,000 |
| File Closed For Incompleteness | 44 | $4,130,000 | $93,000 | $165,000 | $84,000 | $490,000 |
| Application Withdrawn By Applicant | 32 | $3,060,000 | $95,000 | $285,000 | $78,000 | $191,000 |
| Application Approved But Not Accepted | 17 | $1,325,000 | $77,000 | $205,000 | $72,000 | $146,000 |
| Loan Purchased By The Institution | 16 | $2,030,000 | $126,000 | $285,000 | $71,000 | $97,000 |
| Preapproval Approved but not Accepted | 1 | $235,000 | $235,000 | $235,000 | $84,000 | $84,000 |
| 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 | 213 | $22,635,000 | $106,000 | $615,000 | $84,000 | $490,000 |
| Debt-To-Income Ratio | 82 | $8,100,000 | $98,000 | $315,000 | $71,000 | $239,000 |
| Credit History | 32 | $3,010,000 | $94,000 | $235,000 | $74,000 | $216,000 |
| Unverifiable Information | 10 | $1,220,000 | $122,000 | $225,000 | $69,000 | $125,000 |
| Other | 8 | $840,000 | $105,000 | $295,000 | $64,000 | $124,000 |
| Collateral | 8 | $600,000 | $75,000 | $165,000 | $42,000 | $67,000 |
| Credit Application Incomplete | 4 | $230,000 | $57,000 | $85,000 | $68,000 | $97,000 |
| Employment History | 4 | $330,000 | $82,000 | $105,000 | $51,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $560,000 | $140,000 | $185,000 | $80,000 | $117,000 |
| 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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