Lincoln County, KY Mortgage Lenders & HMDA Data, 2008

In 2008, lenders reported 884 mortgage applications in Lincoln County, KY totaling $85.0 million, down 33% from 2007. The average application was for $96,000, and applicants reported an average income of $54,000. 41% of applications resulted in an originated loan and 35% were denied. The most active lender was JPMorgan Chase Bank, NA, with 78 applications, followed by First Southern National Bank and Beneficial Company LLC.

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Total Number of Mortgage Applications 884
Total Mortgage Loan Application Amount $85,002,000
Average Mortgage Loan Application Amount $96,000
Highest Mortgage Loan Application Amount $1,350,000
Average Applicant Income $54,000
Highest Applicant Income $462,000

Mortgage Company List for Lending in Lincoln County, KY for 2008

* 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
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,318,888,000,000 78 $ 7,645,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 750,468,000 77 $ 5,813,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 69 $ 6,181,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 121,054,736,000 69 $ 6,999,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 60 $ 5,887,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 42 $ 4,362,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 37 $ 3,745,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 27 $ 2,390,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 26 $ 3,887,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 467,861,000,000 24 $ 3,316,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 138,755,343,000 21 $ 1,841,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 2,892,231,000 21 $ 1,385,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 630,785,000 18 $ 1,506,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 2,187,631,000,000 17 $ 1,095,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 97,517,902,000 16 $ 134,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 14 $ 1,558,000
Suntrust Mortgage, Inc
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 175,107,526,000 11 $ 1,182,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 9 $ 894,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 61,450,273,000 9 $ 1,032,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 5,028,246,000 9 $ 367,000
Cimarron Mortgage Company
6311 RIDGEWOOD RD, SUITE 400W
JACKSON, MS 39211
* $ 10,000,000 8 $ 696,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 7 $ 888,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,271,572,000 7 $ 856,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 18,878,056,000 7 $ 598,000
Citizens Guaranty Bank
457 EAST MAIN STREET; PO BOX 767
RICHMOND, KY 40476
* $ 120,575,000 7 $ 200,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 126,992,000 7 $ 707,000
Wells Fargo Fin'l Kentucky Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 6 $ 362,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 28,404,352,000 6 $ 767,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 127,698,351,000 6 $ 895,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,024,460,000 6 $ 381,000
First Tennessee Bank NA
165 MADISON 5TH FLOOR
MEMPHIS, TN 38103
* $ 36,725,591,000 6 $ 580,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 6 $ 843,000
Select Mortgage Group Ltd
3040 PRESIDENTIAL DR
FAIRBORN, OH 45324
* $ 370,000 6 $ 707,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 6 $ 624,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 232,759,503,000 5 $ 426,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 5 $ 606,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 5 $ 267,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,757,171,000 5 $ 454,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 266,672,000 4 $ 599,000
First Federal Savings Bank
2323 RING ROAD
ELIZABETHTOWN, KY 42701
* $ 870,669,000 4 $ 591,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 4 $ 670,000
Plaza Home Mortgage, Inc
5090 SHOREHAM PLACE, SUITE #206
SAN DIEGO, CA 92122
* $ 10,000,000 4 $ 475,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 4 $ 683,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 4 $ 377,000
Birmingham Bancorp Mortgage
6230 ORCHARD LAKE ROAD
WEST BLOOMFIELD, MI 48322
* $ 10,000,000 3 $ 282,000
Homecomings Financial LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 10,000,000 3 $ 325,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 3 $ 470,000
Americanmtgnetwork dba Vertice
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 473,000,000,000 3 $ 336,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 3,154,401,000 3 $ 297,000
Wachovia Mortgage FSB
TONYA YOUNG 100 N MAIN ST MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 56,294,475,000 3 $ 407,000
Members Heritage FCU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 206,951,000 3 $ 156,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 717,398,000 3 $ 168,000
American Founders Bank, Inc.
1200 FOREST BRIDGE ROAD
LOUISVILLE, KY 40223
* $ 582,485,000 2 $ 136,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 2 $ 54,000
Aurora Bank FSB
1271 SIXTH AVENUE, 46TH FLOOR
NEW YORK, NY 10020
* $ 16,047,364,000 2 $ 192,000
Bank of America, N.A.
4500 PARK GRANADA
CALABASAS, CA 91302
* $ 1,312,794,218,000 2 $ 225,000
Beneficial Financial I, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 11,000,000 2 $ 156,000
Monticello Banking Company
50 NORTH MAIN STREET
MONTICELLO, KY 42633
* $ 473,071,000 2 $ 70,000
Fifth Third Bank Michigan
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 53,421,606,000 2 $ 84,000
Freedom Mortgage Corp.
10500 KINCAID DR. STE. 300
FISHERS, IN 46037
* $ 10,000,000 2 $ 169,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 2 $ 289,000
Republic State Mortgage Co.
2715 BISSONNET, SUITE 102
HOUSTON, TX 77005
* $ 10,000,000 2 $ 189,000
First Rate Mortgage
10400 LINN STATION RD
LOUISVILLE, KY 40223
* $ 102,272,000 2 $ 214,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 62,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ 11,000,000 1 $ 52,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ 10,000,000 1 $ 89,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 82,000
Premium Capital Funding LLC
125 JERICHO TPKE
JERICHO, NY 11753
* $ 10,000,000 1 $ 142,000
Primary Residential Mortgage
4750 W WILEY POST WAY SUITE 200
SALT LAKE CITY, UT 84116
* $ 10,000,000 1 $ 170,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 1 $ 81,000
Mld Mortgage Inc.
30B VREELAND ROAD
FLORHAM PARK, NJ 07932
* $ 10,000,000 1 $ 115,000
Franklin American Mortgage Co
501 CORPORATE CENTRE DRIVE, SUITE 400
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 73,000
Accredited Home Lenders, Inc
15253 AVENUE OF SCIENCE BLDG 1
SAN DIEGO, CA 92128
* $ 10,000,000 1 $ 66,000
Nationwide Mortgage Concepts,
40380 DESERT CREEK LANE
RANCHO MIRAGE, CA 92270
* $ 10,000,000 1 $ 85,000
Edward Jones Mortgage, LLC
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,000,000 1 $ 93,000
Access National Mortgage Corp
1800 ROBERT FULTON DR, SUITE 350
RESTON, VA 20191
* $ 10,000,000 1 $ 188,000
Wintrust Mortgage Corporation
660 MIDWEST RD SUITE 100
OAK BROOK TERRACE, IL 60181
* $ 300,000,000 1 $ 139,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 64,072,546,000 1 $ 70,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 267,080,000 1 $ 161,000
Limestone Bank, Inc.
2500 EASTPOINT PARKWAY
LOUISVILLE, KY 40223
* $ 1,446,452,000 1 $ 61,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 343,735,670,000 1 $ 102,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 77,748,330,000 1 $ 86,000
Rbs Citizens, N.A.
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 128,863,082,000 1 $ 82,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,251,715,000,000 1 $ 10,000
The Huntington National Bank
7575 HUNTINGTON PARK DR
COLUMBUS, OH 43235
* $ 54,098,791,000 1 $ 80,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 435,215,000 1 $ 24,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 548,397,000 1 $ 20,000
New South Federal Savings Bank
1900 CRESTWOOD BOULEVARD
BIRMINGHAM, AL 35210
* $ 1,901,132,000 1 $ 350,000
Amtrust Bank
1801 E. 9TH ST #200
CLEVELAND, OH 44114
* $ 16,938,391,000 1 $ 90,000
Guardian Savings Bank, FSB
5901 COLERAIN AV
CINCINNATI, OH 45239
* $ 646,856,000 1 $ 122,000
Great Southern Bank
218 S GLENSTONE AVE
SPRINGFIELD, MO 65802
* $ 2,433,336,000 1 $ 46,000
Town Square Bank Inc
PO BOX 2289
ASHLAND, KY 41105
* $ 130,912,000 1 $ 100,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 182,678,000 1 $ 87,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 1,770,082,000 1 $ 60,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 95,672,000 1 $ 96,000
United Bank & Trust
100 UNITED BANK DRIVE
VERSAILLES, KY 40383
* $ 223,635,000 1 $ 70,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,476,025,000 1 $ 72,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 4,895,539,000 1 $ 25,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 1 $ 175,000
Kentucky Telco CU
3740 BARDSTOWN RD
LOUISVILLE, KY 40218
* $ 191,580,000 1 $ 41,000
Liberty Mortgage Corporation
223 W NASH STREET
WILSON, NC 27893
* $ 2,406,088,000 1 $ 163,000
Midfirst Bank
501 NW GRAND BLVD.
OKLAHOMA CITY, OK 73118
* $ 12,970,989,000 1 $ 83,000
Gateway Bank, FSB
2336 MERCED STREET
SAN LEANDRO, CA 94577
* $ 403,955,000 1 $ 131,000
Central Bank, FSB
301 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 167,253,000 1 $ 30,000
State Farm Bank
1 STATE FARM PLAZA
BLOOMINGTON, IL 61710
* $ 15,898,003,000 1 $ 10,000
American Sterling Bank
535 S STERLING
SUGAR CREEK, MO 64054
* $ 272,321,000 1 $ 164,000

The tables below break down 2008 mortgage applications in Lincoln 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 Lincoln County, KY in 2008

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
Refinancing 574 $61,390,000 $106,000 $1,350,000 $55,000 $432,000
Home Purchase 239 $21,489,000 $89,000 $300,000 $50,000 $460,000
Home Improvement 71 $2,123,000 $29,000 $180,000 $69,000 $462,000

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 774 $73,202,000 $94,000 $1,350,000 $56,000 $462,000
Not Provided 64 $6,200,000 $96,000 $300,000 $52,000 $174,000
Not applicable 25 $3,778,000 $151,000 $1,125,000 $13,000 $95,000
Black or African American 8 $591,000 $73,000 $100,000 $38,000 $76,000
Hispanic 7 $582,000 $83,000 $188,000 $65,000 $110,000
American Indian or Alaskan Native 5 $555,000 $111,000 $175,000 $83,000 $237,000
Asian 1 $94,000 $94,000 $94,000 $27,000 $27,000
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) 646 $59,328,000 $91,000 $1,350,000 $59,000 $462,000
FHA-insured (Federal Housing Administration) 196 $21,938,000 $111,000 $300,000 $45,000 $120,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 37 $3,268,000 $88,000 $144,000 $29,000 $52,000
VA-guaranteed (Veterans Administration) 5 $468,000 $93,000 $120,000 $24,000 $45,000

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 359 $32,529,000 $90,000 $1,125,000 $56,000 $460,000
Application Denied By Financial Institution 305 $28,437,000 $93,000 $585,000 $54,000 $432,000
Application Withdrawn By Applicant 86 $9,650,000 $112,000 $417,000 $57,000 $310,000
Loan Purchased By The Institution 70 $7,294,000 $104,000 $238,000 $37,000 $167,000
Application Approved But Not Accepted 44 $3,764,000 $85,000 $246,000 $50,000 $223,000
File Closed For Incompleteness 20 $3,328,000 $166,000 $1,350,000 $102,000 $462,000
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 48 $2,820,000 $58,000 $350,000 $49,000 $110,000
Collateral 25 $2,247,000 $89,000 $261,000 $58,000 $152,000
Credit Application Incomplete 17 $1,701,000 $100,000 $300,000 $55,000 $138,000
Debt-To-Income Ratio 15 $2,090,000 $139,000 $585,000 $53,000 $186,000
Other 9 $788,000 $87,000 $222,000 $56,000 $155,000
Unverifiable Information 4 $228,000 $57,000 $86,000 $32,000 $62,000
Employment History 1 $121,000 $121,000 $121,000 $32,000 $32,000
Insufficient Cash (Downpayment, Closing Cost) 1 $205,000 $205,000 $205,000 $65,000 $65,000
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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