Lincoln County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 594 mortgage applications in Lincoln County, KY totaling $53.8 million, down 26% from 2013. The average application was for $90,000, and applicants reported an average income of $43,000. 43% of applications resulted in an originated loan and 21% were denied. The most active lender was First Southern National Bank, with 75 applications, followed by JPMorgan Chase Bank, NA 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 | 594 |
| Total Mortgage Loan Application Amount | $53,778,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $344,000 |
| Average Applicant Income | $43,000 |
| Highest Applicant Income | $665,000 |
* 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 |
|---|---|---|---|---|
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 701,667,000 | 75 | $ 3,027,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 65 | $ 6,289,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 42 | $ 3,004,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 25 | $ 2,731,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 24 | $ 1,358,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 22 | $ 2,107,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 1,119,995,000 | 21 | $ 2,105,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 17 | $ 1,598,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,559,631,000 | 17 | $ 1,612,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 16 | $ 1,657,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 1,699,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 14 | $ 1,077,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 12 | $ 1,286,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,155,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 10 | $ 899,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 9 | $ 830,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 7 | $ 696,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 7 | $ 740,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 7 | $ 1,242,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 434,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 734,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 4 | $ 369,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 4 | $ 367,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 4 | $ 505,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 830,298,000 | 4 | $ 119,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,384,836,000 | 4 | $ 155,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 951,283,000 | 4 | $ 140,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 401,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,847,543,000 | 4 | $ 378,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 3 | $ 317,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 3 | $ 318,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 3 | $ 446,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,921,853,000 | 3 | $ 263,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 3 | $ 309,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 3 | $ 300,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 377,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 240,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 225,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 3 | $ 344,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 3 | $ 174,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 2 | $ 221,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 139,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 209,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 139,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 2 | $ 298,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 170,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 545,937,000 | 2 | $ 161,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 329,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 289,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 183,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 2 | $ 183,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 943,977,000 | 2 | $ 168,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 374,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 2 | $ 183,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 2 | $ 117,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 147,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 736,219,000 | 1 | $ 93,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 862,016,000 | 1 | $ 189,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,728,692,000 | 1 | $ 60,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,361,206,000 | 1 | $ 103,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 260,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 1 | $ 88,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 89,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 212,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 1 | $ 130,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 173,000 |
| Colorado Federal Savings Bank8 400 EAST PRENTICE AVE, SUITE 840 GREENWOOD VILLAGE, CO 80111 |
* | $ 1,556,338,000 | 1 | $ 60,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 5,573,160,000 | 1 | $ 70,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 141,772,000 | 1 | $ 193,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 813,894,000 | 1 | $ 176,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 41,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 1 | $ 198,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 66,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 135,000 |
| Citizens Commerce Bank 534 MARSAILLES ROAD VERSAILLES, KY 40383 |
* | $ 208,566,000 | 1 | $ 38,000 |
| Farmers Bank & Trust 1017 HARRISON GREAT BEND, KS 67530 |
* | $ 690,026,000 | 1 | $ 75,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 1 | $ 107,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 106,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 1 | $ 41,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 104,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 148,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 76,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 129,000 |
| Cinfed Federal Credit Union 4801 KENNEDY AVE CINCINNATI, OH 45209 |
* | $ 319,800,000 | 1 | $ 50,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 313,877,000 | 1 | $ 201,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 260,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 77,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 88,000 |
| Impac Mortgage Corp. 19500 JAMBOREE RD GLENDALE, CA 92612 |
* | $ 32,120,000 | 1 | $ 83,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 40,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 1 | $ 40,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 344,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 337,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 163,000 |
The tables below break down 2014 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 2014
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 | 337 | $30,762,000 | $91,000 | $337,000 | $38,000 | $665,000 |
| Refinancing | 201 | $20,722,000 | $103,000 | $344,000 | $50,000 | $600,000 |
| Home Improvement | 56 | $2,294,000 | $40,000 | $288,000 | $49,000 | $120,000 |
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 | 453 | $39,674,000 | $87,000 | $344,000 | $49,000 | $665,000 |
| Not applicable | 81 | $7,953,000 | $98,000 | $185,000 | $1,000 | $63,000 |
| Not Provided | 53 | $5,483,000 | $103,000 | $225,000 | $56,000 | $600,000 |
| Black or African American | 4 | $410,000 | $102,000 | $212,000 | $12,000 | $29,000 |
| Hispanic | 1 | $119,000 | $119,000 | $119,000 | $98,000 | $98,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $70,000 | $70,000 | $70,000 | $36,000 | $36,000 |
| American Indian or Alaskan Native | 1 | $69,000 | $69,000 | $69,000 | $167,000 | $167,000 |
| 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) | 327 | $25,354,000 | $77,000 | $288,000 | $55,000 | $665,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 129 | $12,291,000 | $95,000 | $185,000 | $19,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 86 | $8,522,000 | $99,000 | $216,000 | $35,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 52 | $7,611,000 | $146,000 | $344,000 | $42,000 | $126,000 |
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 | 257 | $20,919,000 | $81,000 | $337,000 | $53,000 | $665,000 |
| Application Denied By Financial Institution | 127 | $10,455,000 | $82,000 | $337,000 | $48,000 | $600,000 |
| Loan Purchased By The Institution | 97 | $9,848,000 | $101,000 | $337,000 | $7,000 | $84,000 |
| Application Withdrawn By Applicant | 56 | $6,453,000 | $115,000 | $344,000 | $42,000 | $129,000 |
| Application Approved But Not Accepted | 35 | $3,327,000 | $95,000 | $288,000 | $47,000 | $138,000 |
| File Closed For Incompleteness | 22 | $2,776,000 | $126,000 | $247,000 | $55,000 | $130,000 |
| 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 | 20 | $1,066,000 | $53,000 | $114,000 | $39,000 | $118,000 |
| Debt-To-Income Ratio | 18 | $1,806,000 | $100,000 | $337,000 | $79,000 | $600,000 |
| Collateral | 9 | $1,103,000 | $122,000 | $288,000 | $58,000 | $120,000 |
| Credit Application Incomplete | 9 | $869,000 | $96,000 | $158,000 | $50,000 | $105,000 |
| Other | 3 | $247,000 | $82,000 | $157,000 | $44,000 | $62,000 |
| Employment History | 2 | $234,000 | $117,000 | $196,000 | $53,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $204,000 | $102,000 | $110,000 | $46,000 | $54,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $56,000 | $56,000 |
| 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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