Livingston County, KY Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 274 mortgage applications in Livingston County, KY totaling $27.1 million, down 1% from 2017. The average application was for $98,000, and applicants reported an average income of $70,000. 45% of applications resulted in an originated loan and 25% were denied. The most active lender was Regions Bank, with 39 applications, followed by US Bank, N.A. and Truist Bank.
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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 | 274 |
| Total Mortgage Loan Application Amount | $27,080,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $1,246,000 |
* 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 |
|---|---|---|---|---|
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 39 | $ 2,365,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 29 | $ 1,755,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 21 | $ 1,025,000 |
| Farmers Bank and Trust Company 201 SOUTH MAIN STREET MARION, KY 42064 |
* | $ 193,240,000 | 19 | $ 1,615,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 16 | $ 1,460,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 11 | $ 1,335,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 790,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 695,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 5 | $ 465,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 330,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 4 | $ 360,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 4 | $ 550,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 2,172,570,000 | 4 | $ 1,190,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 590,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 3 | $ 185,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 3 | $ 575,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 635,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 3 | $ 345,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 3 | $ 135,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 4,724,296,000 | 3 | $ 805,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 3 | $ 225,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 3 | $ 415,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 2 | $ 130,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 2 | $ 250,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 2 | $ 100,000 |
| Heritage Bank USA, Inc. 4155 LAFAYETTE RD HOPKINSVILLE, KY 42241 |
* | $ 915,652,000 | 2 | $ 830,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 470,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ -1,000 | 2 | $ 120,000 |
| Fnb Bank Inc 101 E BROADWAY MAYFIELD, KY 42066 |
* | $ 487,598,000 | 2 | $ 100,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 280,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 200,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 130,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 200,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 215,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 125,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| River Valley Agcredit P O BOX 309 PADUCAH, KY 42001 |
* | $ -1,000 | 1 | $ 255,000 |
| Farmers State Bank of Alto Pass 555 S. COMMERCIAL HARRISBURG, IL 62946 |
* | $ 194,525,000 | 1 | $ 65,000 |
| Community State Bank of Southwestern Indiana 220 S. LOCKWOOD PO BOX 280 POSEYVILLE, IN 47633 |
* | $ 80,911,000 | 1 | $ 195,000 |
| Reverse Mortgage Funding LLC 1455 BROAD ST., 2ND FL BLOOMFIELD, NJ 07003 |
* | $ -1,000 | 1 | $ 185,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 1 | $ 75,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 175,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 95,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 125,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 75,000 |
| First Federal Bank of Kansas City 6900 EXECUTIVE DR KANSAS CITY, MO 64120 |
* | $ 725,571,000 | 1 | $ 215,000 |
| Field & Main Bank 140 N. MAIN ST. HENDERSON, KY 42420 |
* | $ 415,058,000 | 1 | $ 705,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 45,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 135,000 |
| Shoreham Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 264,496,000 | 1 | $ 25,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 65,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 155,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,151,298,000 | 1 | $ 35,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 135,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 85,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 165,000 |
| Peoples Bank of Altenburg 8537 MAIN ST ALTENBURG, MO 63732 |
* | $ 60,801,000 | 1 | $ 75,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 1 | $ 65,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ -1,000 | 1 | $ 45,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 45,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 55,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2018 mortgage applications in Livingston 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 Livingston County, KY in 2018
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 | 137 | $14,905,000 | $108,000 | $805,000 | $67,000 | $628,000 |
| Refinancing | 49 | $4,925,000 | $100,000 | $705,000 | $57,000 | $242,000 |
| Cash-out Refinancing | 39 | $4,405,000 | $112,000 | $425,000 | $72,000 | $309,000 |
| Other Purpose | 24 | $1,160,000 | $48,000 | $225,000 | $118,000 | $1,246,000 |
| Home Improvement | 21 | $955,000 | $45,000 | $105,000 | $53,000 | $180,000 |
| Not Applicable | 4 | $730,000 | $182,000 | $445,000 | $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 | 229 | $21,245,000 | $92,000 | $805,000 | $70,000 | $1,246,000 |
| Not applicable | 24 | $2,970,000 | $123,000 | $445,000 | $43,000 | $43,000 |
| Not Provided | 18 | $2,500,000 | $138,000 | $315,000 | $63,000 | $207,000 |
| Hispanic | 2 | $300,000 | $150,000 | $255,000 | $101,000 | $120,000 |
| American Indian or Alaskan Native | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 180 | $17,080,000 | $94,000 | $805,000 | $77,000 | $1,246,000 |
| FHA-insured (Federal Housing Administration) | 49 | $4,795,000 | $97,000 | $245,000 | $49,000 | $218,000 |
| VA-guaranteed (Veterans Administration) | 26 | $3,410,000 | $131,000 | $325,000 | $69,000 | $207,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,795,000 | $94,000 | $145,000 | $38,000 | $63,000 |
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 | 122 | $12,610,000 | $103,000 | $705,000 | $69,000 | $628,000 |
| Application Denied By Financial Institution | 69 | $5,165,000 | $74,000 | $255,000 | $72,000 | $1,246,000 |
| Loan Purchased By The Institution | 30 | $3,400,000 | $113,000 | $325,000 | $67,000 | $121,000 |
| Application Withdrawn By Applicant | 27 | $3,705,000 | $137,000 | $805,000 | $67,000 | $240,000 |
| File Closed For Incompleteness | 21 | $1,855,000 | $88,000 | $245,000 | $71,000 | $218,000 |
| Application Approved But Not Accepted | 5 | $345,000 | $69,000 | $145,000 | $86,000 | $230,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 183 | $19,595,000 | $107,000 | $805,000 | $66,000 | $309,000 |
| Credit History | 35 | $2,335,000 | $66,000 | $235,000 | $94,000 | $1,246,000 |
| Debt-To-Income Ratio | 33 | $3,195,000 | $96,000 | $705,000 | $75,000 | $628,000 |
| Credit Application Incomplete | 8 | $530,000 | $66,000 | $105,000 | $40,000 | $75,000 |
| Collateral | 6 | $340,000 | $56,000 | $105,000 | $58,000 | $88,000 |
| Unverifiable Information | 6 | $810,000 | $135,000 | $215,000 | $85,000 | $122,000 |
| Other | 2 | $200,000 | $100,000 | $145,000 | $26,000 | $40,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $4,000 | $4,000 |
| 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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